23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am a retired man living on a fixed income. On XX/XX/2021 at XXXX ( EST ) my entire savings, totaling {$34000.00}, was stolen through a series of online banking transactions in a matter of minutes. Someone hacked my account. 

I had {$7300.00} in my Citibank checking account and {$30000.00} in my Citibank savings account. Someone hacked into my checking account and made a XXXX transaction for {$2500.00}. The individual then immediately transferred it into my savings account. Then the individual used a wire transfer of the entire {$34000.00} savings account balance to another bank. 

I have attempted to have Citibank reverse the transactions including this {$34000.00} fraudulent wire transfer for several months now with no success to speak of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft ; I have filed police reports and an FTC affidavit indicating such. 

The following account is a result of Fraud ; XXXX XXXX XXXX - {$430.00} The following Inquires are a result of Fraud- XXXX-XX/XX/2020 XXXX XXXX  XXXX XXXXXX/XX/2020 XXXX- XX/XX/2020 XXXX XXXXXX/XX/2020XXXXXX/XX/2020XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/2020XXXX XXXX  XXXX XX/XX/2020 XXXX-XX/XX/2020XXXX  XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXXXX/XX/2020 XXXX XXXX-XX/XX/2020XXXX   XXXX XXXX XXXX-XX/XX/2020 XXXX XXXX XXXXXX/XX/2020 XXXX- XX/XX/2020 XXXX XXXX XXXXXX/XX/2020XXXX XXXX-XX/XX/2020 XXXX XXXX-XX/XX/2020 XXXX-XX/XX/2020
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score (, XXXX XXXX XXXX XXXX, XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

My father recently passed away and both my mother and myself have been dealing with Bank of America and have had a terrible experience. My mother had submitted my dads death certificate for her checking and savings account and then asked for both my sister and myself to be listed as co-owners in the case that anything happen to her so that we can easily pay her bills and have access to her funds. On multiple occasions my mother reiceved incorrect information that was VERY unclear. They had advised my XXXX year old mother to come into the branch during Covid numerious times and were sending her to different branches as either they were suddently closed or had no appointments. The banks policy is to have all three of us in a respecitve branch in the different cities we live in at the exact same time again all during COVID to make this happen. No exceptions were to be made. After we had finally coordinated this in the branches and submitted the paperwork that was needed, my mother recieved her check book incorrect and MY ATM card at her address. After my mother being extremely upset that she has no checks to use to now pay her bills, she asked me to make yet another appointment to go back to the branch again ALL during covid. Now after multiple attempts on Bank of America 's website every branch that i tried is now saying they are no longer taking appointments. So now she has no access to her funds as her checks are incorrect as the owner of her account has been switched from herself to me AND she is unable to locate a branch that is taking customers. How can these branches close whenever they feel like however ask my XXXX mother to drive all over Florida to find one that is open to then get incorrect information. Something needs to be done, BofA has TERRIBLE customer service.
Product: Credit reporting

I have XXXX inquires on my Equifax Credit file that are older than XXXX months. For some reason, Equifax appears to have forgotton that inquries are only allowed to stay on credit files for XXXX month. The XXXX entries are : Quality Leads XXXX/XXXX/2013 and XXXX XXXX XXXX/XXXX/2013. When I last requested they be removed per Fair Credit Reporting Rules regulations, their response was the auto reply of : Response*Equifax has reviewed the complaint and its records. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *No follow up actions are required in further response to the complaint. '' Both should be removed. I are not required to send additonal information for removal. XXXX months has passed. Consumer abuse such as thiis is a great example on why the Consumer Financial Protection Bureau was created.
Product: Debt collection

RPM ( Receivables Performance Management LLC ) has send a letter to my home regarding a debt from XXXX XXXX XXXX XXXX XXXX ( original debtor is XXXX XXXX XXXX ). that I do not owe. I lease a vehicle from XXXX years ago that I eventually returned. The lease was paid out of my XXXX earnings and vehicle was returned after a couple years with no issues. The original debtor never stated I had an unpaid balance because I did not. This debt is not valid nor accurate. The notice date of this debt is XX/XX/2022.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED: 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXXlXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX,XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX
Product: Debt collection

CashCall Inc. keeps giving my loan to other company and keep raising interest on my loan and to that I stop paying them.
Product: Credit card

On Friday XX/XX/XXXX, I tried to call Bank of America customer support to ask for an extension on my credit card payment. I clicked on a website that was a fraudulent BOA website and it gave me a fraudulent support number. I spoke to a person and wasnt aware it was fraudulent until I went on my BOA app and it said to authorize a transaction for {$14.00} for an XXXX XXXX XXXX. The person on the phone told me to authorize it & I immediately hung up and logged into my account. There ended being 3 charges, the one for {$14.00} & 2 others. One for {$260.00} and another for {$54.00} to the same XXXX XXXX XXXX. I immediately disputed it to fraud claims, but my claim was denied due to the purchase coming from an authorized device. However, I have never made any false fraudulent claim.
Product: Credit reporting

The company is reporting an inaccurately low credit score for how I am keeping my accounts and will not adjust it. I am getting penalized for using my credit, while others are rewarded for spending money with high vehicle and mortgage payments. This inaccurately low score is affecting my financial and other reputation unfairly.
Product: Credit reporting or other personal consumer reports

I asked Equifax on four occasions to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

I advised that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

Equifax did not complete an investigation, nor had communications of results or said investigations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments where never late but now showing late more than 30 days
Product: Credit reporting or other personal consumer reports

I reached out to the company regarding the removal of the incorrect information and was denied. In addition, the credit scores for Transunion and XXXX are normally at least XXXX points lower than XXXX and the actual FICO scores that are used by the financial institutions that are providing the consumer credit transactions. I'm not sure why one would have to ask multiple times to have inaccurate information removed from their credit report and have it not be done. I have attached a list of the discrepancies from each reporting agency and hope that this can be resolved and corrected quickly as it is negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the account to " openor closed/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. 
XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is incomprehensible to me how my PLEAS FOR JUSTICE AND ASSISTANCE IN THE FACE OF IDENTITY THEFT HAVE BEEN REPEATEDLY MET WITH A SEEMINGLY CALLOUS DISREGARD FOR MY PLIGHT. The nonchalant DISMISSAL OF MY CLAIMS HAS LEFT ME BOTH ASTOUNDED AND DEEPLY TROUBLED. Deep-seated emotions that words alone can not fully convey - emotions encompassing annoyance, distress, anger, and profound sadness. These emotions have been triggered by the persistent denials of my legitimate identity theft claim by your bureau. It is imperative that you take swift and decisive action to address this matter within the legally mandated timeframes. Failure to do so will only exacerbate my frustration, distress, anger, and sadness. XXXX XXXX. Also take note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Debt collection

The Dowler Law Firm Date : XX/XX/2024 Amount : {$460.00} Writ of Garnishment Attached Plaintiff allegations and interrogatories to Garnishee 1.The garnishee is indebted to the defendant ( s ) and/or has control or custody of property belongings to the defendant, including but not limited to banking accounts ; and/or 2. Defendant is employed by and receives wages or other compensation from Garnishee ; and 3. Plaintiff is entitled to garnish Defendant '' s wages, accounts, and/or property from Garnishee pursuant to XXXX XXXX. XXXXXXXX XXXX XXXX
Product: Mortgage

This was originally a XXXX Loan. Deutche started a foreclosure action and at some point XXXX tried to foreclose and was represented by XXXX XXXX Firm and now foreclosure is being aggressively pursued by Deutche Bank. There were notorious robo-signers ( XXXX XXXX ) and bank never had standing due to filing foreclosure action before they claimed to have owned the note.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! 

Credit collection Service {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX, have tried to contact Navy Federal Credit Union about my vehicle loan but to no avail. 

My vehicle loan is paid off and it has not been reported to the credit bureau. There are late payments on my account that are incorrect. I have turned in multiple forms to show them that I am in the military and when I deploy but they refuse to accept. NFCU will not accept my XXXX request. 
The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the XXXX and with out it show on my credit report which is negatively effecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX stating " on XX/XX/XXXX we sent a report to the credit reporting agencies to remove delinquent payment information from XXXX, XXXX and XX/XX/XXXX ''. I applied for a home refinancing on XX/XX/XXXX with XXXX XXXX XXXX and was denied credit due to credit score below 600 and a report of past due mortgage from XXXX for XXXX, XXXX XX/XX/XXXX from the three credit reposrting agencies, Experian, XXXX and XXXX .Please see letter from XXXX Mortgage from XX/XX/XXXX and letter with negative credit report received from XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My company XXXX XXXX, entered into an agreement with Bill.com, sometime in XXXX 2022 Bill.com to ACH and or transfer money from my customers bank accounts to my business bank electronically through Bill.com 's network. On or about the XXXX/XXXX/2022 Bill.com stop transferring money to our bank account. We call and call send them emails and only received vague bot email replies. On XX/XX/2022 Bill.com sent us an email claiming they deposited some {$3400.00} to our XXXX account on XX/XX/2022 We never received these monies. After emailing XXXX on XX/XX/2022 notifying them that we were filing a complaint against them with the California Attorney 's General office of consumer affairs. We received an email from Bill.com on XXXX/XXXX/222 claiming that our company was a RISK and they were ceasing conducting business with us. This is fraud, all communication with them claiming they deposited our money were purely untruths and lies. They also claim that transactions we had in processing with them currently will be void. I want your agency to investigate this company Bill.com thoroughly. We found that the XXXX  had over 150 complaints about this company with similar matters. 100 's of reviews online shows the the company commits ramped fraud and treats it customers badly. Please, please do the what is right, investigate this company. We still have not been told where is our {$34000.00} We would like our money. Also they locked us out from the portal we paid subscriptions fees for on their network. We can not see any transactions or email they sent to us or we send to them. This company also do not have phone numbers where representatives can be reached. The only way to reached them is by email of which they respond with bots mostly. XXXX XXXX is a merchant services provider.
Product: Debt collection

I received an email from a co-worker yesterday stating an automated call came to her for a XXXX XXXX XXXX. That is my maiden name. My colleague 's email to me is below : " Does you maiden name happen to be XXXX? I had an automated call today asking if I was XXXX XXXX XXXX press 1, if I need to get her press 2,  if I wanted to leave a message 3 and not her press 4. 
On my phone it looks like the number is XXXX Convergent Res ( no area code is showing up though ) ''. 

I happen to google the company name and found out that it is a debit collection scam. First off, why are they calling a colleague? I have never heard of this company nor do I have any unpaid debit. I am in the process of re-financing my home mortgages and this does not look good.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires, report is attached. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a text message from Chase letting me know that they have declined a charge for {$89.00} from XXXX XXXX as they have identified it as a fraudulent charge. The prompt asked me to reply YES if it was me or NO if it was not me. I replied NO and received a message back saying that Chase has closed my card and will be sending me a new card. The charge was listed as " Pending '' on my statement. 

On XX/XX/XXXX I noticed that the charge was marked as posted, despite the fact that I let Chase know on XX/XX/XXXX that it was fraudulent. At XXXX XXXX  ET I called Chase to inquire about this and was transferred to their outsourced support team who let me know that the scammer tried charging my card 5 times - one of which went through and 4 of which were blocked. He said that he will indicate that all transactions were not approved and that he will mark it as fraudulent. He abruptly ended the call before confirming that this was processed, and did not let me know if I will be receiving a credit. 

On XX/XX/XXXX I called Chase at XXXX XXXX ET to find out. The support rep let me know that a new card was issued and that I " might '' see a credit within 2 statement periods. 

On XX/XX/XXXX I contacted Chase support via XXXX and was told that there was nothing they could do and to contact Chase support via phone again. 

Per Reg E, I have fulfilled my duties in letting Chase know in a timely period that this was a fraudulent transaction. Additionally, per Reg E and my cardholder agreement, I will be not be financially responsible for fraudulent charges, provided I let Chase know. I've let Chase know 3 times ( this CFPB complaint is the 4th time ). I demand an immediate credit on my statement of {$89.00} showing that Chase acknowledges this transaction as fraudulent, written acknowledgement from Chase as to my fulfillment of these terms, and a guarantee that I will not be financially responsible for this charge, or any fees relating to this charge ( interest, etc. ), as I have fulfilled my duties in letting Chase know of a fraudulent charge. 

Finally, I ask for Chase to re-train their support teams to make sure they are aware of both Reg E and the cardholder agreements with reference to disputing fraud.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information reporting on my consumer file with Experian on five separate occasions, but they failed to respond in a resonnable time frame. They did not inform me of the outcomes either. I first reached out to Experian concerning the inaccurate accounts on my credit file on XX/XX/XXXX. However, after many attempts from me to resolve this issue, Experian is still reporting the accounts on my credit file. It is important to note that some of these accounts were found to violate my rights and were removed back in XX/XX/XXXX and in XX/XX/XXXX. I also informed Experian that the furnishers of the information are most likely unreliable sources and/or giving them false information about me. I'm now seeking a remedy. In accordance with the Fair Credit Reporting Act These accounts violated my rights : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX These accounts are inaccurate, incomplete and not adhering to compliance standards. I require that any mistakes be fixed permanently. On XX/XX/XXXX, I also requested another investigation with Experian into the matter. However it has been more than the 60 days period and Experian has still not completed their investigation or they just ignored my many requests. For that reason I demand that these accounts be removed from my credit report for good seen that it is way outside of normal investigation period. According to the FCRA, 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. It is important to note that I previously requested the information that Experian used to verify the accounts with the creditor but did not receive anything even after 90 days of my demand letter. Experian must remove the accounts from my credit report in a reasonable time frame and inform me of the outcome.
Product: Student loan

I was harassed by Sallie Mae to pay on my loan after my consigner and I have stated that we can not afford to make the required payment. Customer service has said nasty things to myself and co-signer to try to bully us into making payments. One customer service agent suggested I sell my body or drugs so that I can afford to make payments
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, Equifax, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX. 
Per 15 U.S.C. 6802. 
I have not gotten a response from this company and they continue to report my personal information to third parties.
Product: Credit reporting

Equifax is seriously messing up on verifying the information on my report. I just learned that XXXX XXXX XXXX and XXXX are still on my account, XXXX items that have been removed on other credit reports because there was fradulent activity, yet Equifax claims to have found the magical proof others can not. I have also been in contact with XXXX companies who told me they are doing their own investigation and those investigations are incomplete or they did not send me any results. Equifax is continually violating my rights and the law under the FCRA by not taking investigations seriously and I doubt they are investigating anything at all.