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

On XX/XX/XXXX at XXXX I received a call from Chase Bank XXXX XXXX ) informing me there was fraudulent activity on my account. I looked up the phone number, and it registered to the local chase bank. 

The individual provided me with my backup phone numbers on the account ( i.e, my in laws ), and asked me my chase security questions. He then sent a text message from Chase and asked me to confirm the number sent to confirm I am who I say I am.

Ultimately, he added my chase debit card to his XXXX XXXX He was not Chase. I called Chase immediately, and they thought they stopped it. However, they did not. He was able to take {$380.00} from my savings and {$500.00} from my checking. A total of {$880.00}.

I contacted chase, and even though I filed a police report ( which I can provide if necessary ) and had proof of the transactions taking place at two separate Chase ATMs, ( I can provide the addresses ), they are not refunding the money. Stating that they can not control XXXX XXXX  and they did an investigation and said because I provided him with the text number, I was delinquent. 

I also asked Chase how he knew all of my information from Chase. Including all my security questions. And how he was able to send me the text message from Chase. They did not have an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/XXXX and made them aware of inquiries on my credit report that I did not authorize and are a result of fraud. The inquiries and dates are as follows : XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I have an active fraud alert on my consumer report with Equifax and I extended it for another 90 days in attempt to prevent any further fraudulent activity. I also submitted a police report to accompany my claim, which I have included with this complaint. The report contains information that proves my personal information was compromised. I received correspondence from Equifax stating that the fraudulent inquiries still remain on my report. I am very upset that my personal information is being mishandled by Equifax and I should not be held accountable for a fraud related situation.
Product: Checking or savings account

In XX/XX/year>, a direct deposit of {$5000.00} was made to my USbank account from XXXX XXXX XXXX XXXX, but the USbank put it on hold due to safety issue. I have already contacted the usbank online service and they told me to go to the branch and ask the manager for help. The manager said that they can not do anything since this was done by the bank system and they asked me to let the XXXX payroll office to submit a request for refund. I called the XXXX  payroll office but they said they can not request refund and the bank should return the money automatically. The bank has already hold this money for more than 6 months and they did nothing to give it back to me or the payer.
Product: Debt collection

I moved in XX/XX/2022. Im a single mother of XXXX barley surviving as it is in this state. I never received anything from the original debtor that this account was going to collections the original debtor is XXXX XXXXXXXX XXXX, not sure if its because I moved or what happened. I spoke to the credit collector ( Bonneville Collections ) after I had received a court order and was sued, when I called to go over what was going on the representative told me well maybe you should have paid your bills and said they had already started legal action and if I didnt agree to pay them in full at that moment or agree to a payment plan then they would proceed to go after me in court. They have now set up a garnishment as of today, I called and ask for verification of the debt and everything that had been done on my account to verify the debt and was told NO, if I wanted any information on my account I would have to obtain an attorney and request them through him. That sounds a lot like Financial harassment to me. I have emailed my attorney but have it heard back from him as of yet. Everything Ive located on Bonneville Collections suggest this isnt the first time they have illegally gone after someone and sued them. My original bill was {$150.00} its now over {$1000.00}, again I was told the only way this was going to stop is if I paid them in full today and they are refusing to release verification of such debt.
Product: Credit reporting or other personal consumer reports

I send a XXXX out 30 days ago to XXXX, XXXX, Equifax. .How ever its been 30 days and the credit bureaus failed to send my investigation back. This is not making is not making any sense. 


According to the law 15U.s code S 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly though a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine wether the disputed information is inaccurate and the Current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Product: Vehicle loan or lease

I received copies of car contracts from Bank of America that belonged to me except one that had my electronic signature and I never purchased the car. The car in question is a XXXX XXXXXXXX XXXX that Bank of America is saying I purchased and I'll include the contract in this complaint. This is an unethical way of doing business by getting my signature somehow on a document that I never even signed for. The Federal Reserve Act provides for the utilization of securities as collateral for various financial transactions. I believe Bank of America has utilized my security without my consent or proper compensation, thereby infringing upon my rights as a securities holder, thus committing fraud pursuant to 18 U.S.Code 1348. The concept of equity of account ensures that all parties involved in a financial transaction are treated fairly and interest of securities holders, such as myself are protected. I believe that Bank of America has denied my rights to equity of account by not providing me with the appropriate benefits and compensation associated with the utilization of my collateral security. As a financial institution and national bank Bank of America has legal obligations to comply with the the Federal Reserve Act and other applicable laws & regulations. This includes ensuring that the rights of security holders are respected and that fair and transparent financial practices are followed. It is crucial to ensure that Bank of America upholds its fiduciary responsibilities, complies with fair lending regulations refrains from engaging in fraudulent activities. If Bank Of America remains in violation of their fiduciary duties, I will have no choice but to open claims with ALL of their regulatory agencies for these violations, file a suit in Delaware XXXX XXXX, and file Form 3949a naming the Bank and all affiliates listed in the prospectus that have handled my receivables.
Product: Checking or savings account

I attempted to make a wire transfer, I never even put in the amount I wanted to transfer, it locked me out. Citibank now will not allow me to access my account or take money out. I have contacted them many times in the past 24 hours as they hold me hostage and cause me much undo stress. how is a bank allowed to freeze my account and not provide me with any information as to why they are doing this? very unprofessional in my opinion.

they also stated that within 24 hours someone will reach out to me. well that window has come and gone and my account is still frozen. I have been with Citibank for 25 years. This is absurd and I will be leaving them as soon as possible.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX  XXXX Balance : {$40.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX  XXXX Balance {$2100.00} DEPT OF ED/XXXX  XXXX Balance {$2200.00}
Product: Mortgage

IN XX/XX/XXXX MY EX BOYFRIEND " FORCED '' ( I WILL SUPPLY YOU WITH XXXX REPORTS IF NEEDED ) ME TO ALLOW HIM TO PLACE A MORTGAGE ON MY HOME THAT I ALONE PURCHASED, WITH THE PROMISE OF MAKING THE MORTGAGE PAYMENTS. HE DID NO SUCH A THING. IN XX/XX/XXXX I TOOK HIM TO COURT AND HAD COME TO A BASIC AGREEMENT ( XX/XX/XXXX ), THE LAWYERS MET AND WE WERE TO HAVE A COURT DATE SCHEDULED. XXXX LEAVING ME WITH A MORTGAGE THAT WAS MORE THAN MY MONTHLY SOCIAL SECURITY XXXX INCOME. MY HUSBAND AND I HAVE WORKED WITH MANY ENTITIES INCLUDING TOWN SUPERVISORS, NY SENATE AND CONGRESS TO TRY AND GET POINTED IN THE RIGHT DIRECTION TO RIGHT THIS WRONG. I WILL INCLUDE THE DOCUMENTATION SUPPORTING MY CLAIMS OF THE LOAN BEING FRAUDULENT IN NATURE. I HAVE HAD TO CLAIM BANKRUPTCY WHICH I GAVE THE HOUSE BACK TO THE BANK. I CAN SHOW WHERE THE BANK ALLOWED ME TO RETURN TO MY HOME ( *SEE EX ; XXXX ) KNOWING THAT I FILED BANKRUPTCY. I HAVE HAD MY CREDIT RUINED, THE XXXX HAS LANDED ME IN THE HOSPITAL ON MANY OCCASIONS. WE FEEL WE HAVE MORE THAN ENOUGH PROOF INCLUDING A DECISION FROM OUR COUNTY XXXX COURTS WHO ON XX/XX/XXXX ( ORDERED THAT THE PLAINTIFF 'S ( BANK ) MOTION IS DENIED IN IT 'S ENTIRETY ; AND IT IS FURTHER ORDERED THAT THE COMPLAINT DISMISSED AS ABANDONED ) * SEE EX ; XXXX THAT IS INCLUDED. I JUST FEEL THAT I NO LONGER HAVE A MORTGAGE *SEE EX ; XXXX. AS I FEEL AT WORST THIS SHOULD BE ATTACHED TO MY EX 'S ESTATE. NOW THE BANK HAS DECIDED TO TAKE US BACK TO COURT TO TRY AND REOPEN THE CASE *SEE EX XXXX. WE FEEL THIS COURT DATE SHOULD BE STOPPED WITH OUR UNDERSTANDING THAT WITH NO MORTGAGE THEY JUST WANT THE HOUSE, WHICH WILL LEAVE MYSELF WHO IS XXXX AND MY HUSBAND A XXXX VET HOMELESS POSSIBLY AS SOON AS 90 DAYS AFTER THE COURTS DECISION. WITH THIS WE HOPE YOU CAN SEE OUR INFORMATION IS TRUE AND VALID AND HOPEFULLY WILL SEE THE FRUSTRATION ON OUR PART. WE ALSO FEEL WE HAVE SUPPLIED DOCUMENTATION TO TO HELP IN OUR CAUSE.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 

3. Employer Information : My current employer is XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602a states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXX Opened XX/XX/XXXX {$260.00} XX/XX/XXXX Opened XX/XX/XXXX {$390.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1800.00} collection bureau of a has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I can not pay due to a financial set back. They just keep calling me friends family and never sent me anything in mail or e mail to discuss. Call me after XXXX
Product: Money transfer, virtual currency, or money service

Despite using Zelle as one of my main sources of transferring money, I have had come into a numerous amount of problems with sending and receiving money through that app. I have also sent money and not got and it has been canceled and non-refunded with no explanation why and vice versa
Product: Debt collection

In XXXX XXXX I was sued for {$2500.00} on a hospital bill. The company of Works and Lentz garnished my paycheck starting in XXXX XXXX for 25 % of my biweekly income. The garnishment stayed in place until the it was paid on XXXX XXXX, XXXX. I received no notification from Works and Lentz that there was a {$28.00} interest charge due on the account after this time. On XXXX/XXXX/XXXX my check was garnished {$310.00} from Works and Lentz and when I called to see why, I was told it was due to this {$28.00} interest payment that was " left over '' and that once the payment from my employer was received the garnishment would be release immediately. I called on XXXX/XXXX/XXXX and was advised that the {$310.00} payment had been received from my employer, but now it would take 7-10 business days to get the information to my employer to release the garnishment, therefore meaning that my payroll check will again be garnished 25 % on XXXX/XXXX/XXXX, and this company will get around if not more than {$600.00} on a {$28.00} interest fee we were never informed about. Then I will have to wait 30 days to receive any type of refund from Works and Lentz for the amount that was paid over.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name : US Dept of ED XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

I been making payments ahead of time and sometime sending extra money to be applied to the principle and i have statement to. The show debt the balance goes up instead of decreasing after i am paid at front all the time my total amount dude show {$0.00} and but carmax sent statement with amount {$3800.00} on XX/XX/2022 and on XX/XX/2022 they sent one with my balance XXXX how is posible when i paid ahead all the time and my principal is the same
Product: Credit reporting, credit repair services, or other personal consumer reports

One of my XXXX XXXX Accounts is duplicated ( listed twice ) on my Equifax credit report. The address listed on my Equifax report is 5 years out of date. XXXX  and XXXX  both have correct information. All of my creditors have my correct current address and are reporting it correctly. The creditor of the duplicated account, XXXX XXXX XXXX, has confirmed that their reporting is correct and that Equifax has incorrectly listed the same identical account twice on their report. 

I have filed an online dispute and called Equifax Customer Service to follow up to no avail. Their customer service is awful. 

Equifax has requested twice, via unattended automated email, that I send them a copy of my driver 's license, my Social Security card or W-2, and a recent utility bill. 

I have no problem with the utility bill, and have faxed them same, but there is no way in XXXX I am going to send my license and Social Security number through the USPS.They claim the be very interested in protecting my personal information. Really? Obviously not! 

I understand they are trying to 'verify ' my identity - sounds reasonable - but sending sensitive documents through the mail is not the way to do so, nor should it matter in this case. I obviously have access to the report in question ( and yes, it's mine ), and the errors I have noted on the report are easily verified as ERRORS! They should be corrected. Period. Full Stop. 

I DO NOT TRUST Equifax with my personal information. They already leaked it to XXXX hackers. As far as I'm concerned they should have been forced to pay far more than they did in the breach settlement. They got off way too easy and it shows. 

I want a human being with authorization to do something about this to contact me. 
My existing Equifax dispute numbers are : XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit card or prepaid card

I have had a reopened claim from 2020 regarding unemployment benefits through Bank of America that is still ongoing!! Its been going on three years and they just tell me to call back and check in with them. I dont understand how it has been three years and through that my moms passing has put me in a negative financial position because my claim of {$2500.00} is still ongoing. Please help! 
Bank of America is wrong!!!
Product: Debt collection

Subject : Formal Consumer Dispute Regarding CREDITORS BUREAU ASSOCIATES. 

To Whom It May Concern, I am writing to formally dispute the reporting of an auto loan account by CREDITORS BUREAU ASSOCIATES. on my consumer credit report. This dispute is based on violations of my rights under the following federal laws : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has not provided the required validation information for the alleged debt. Despite this failure, they have furnished and continue to report this account to consumer reporting agencies. This is a clear violation of the law. 
2. 12 CFR 1006.34 ( c ) ( 4 ) : I have not been given an opportunity to dispute this account. The agencys failure to provide proper notice has deprived me of my right to dispute the validity of the alleged debt before it was reported. 
3. False, Misleading, or Deceptive Practices : The agency has engaged in practices that are false, misleading, and deceptive in their handling and reporting of this account. Such behavior violates the Fair Debt Collection Practices Act ( FDCPA ). 
4. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) : The agency has no authority to report this account to any consumer reporting agency without first providing all disclosures required by law. By furnishing information without complying with these requirements, they are in direct violation of these regulations. 

Request for Immediate Action I am requesting the following actions to resolve this matter : 1. Immediate Deletion of this debt collection : Remove this account from my credit report as it was reported unlawfully.

2. Proof of Validation : If the agency believes the debt is valid, provide all validation information required under federal law.

3. Cessation of Reporting : Immediately stop reporting this account to consumer reporting agencies until all legal requirements have been fulfilled. 

Timeline and Legal Remedy Please resolve this dispute within 14-21 days of receiving this letter. Failure to comply with these demands may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulatory agencies. Additionally, I reserve the right to seek statutory damages of {$1000.00} for these violations as provided under the FDCPA. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation of the resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXX XXXX  sold my loan to XXXX XXXX after I paid off the account and caused major issues from adding two loans to my credit reports so I disputed the errors and received a letter from a XXXX attached here. Now both of the mortgage companies submitted to IRS tax 1098 forms showing $ XXXX. I have left several messages for XXXX at the number on the letter however the buy never returns calls. It's been over a month ago.Additionally, Loancare lied to me saying they mailed my original escrow refund, which never arrived, so I reported the check lost and Loancare stopped payment on the check, then mailed me the original stopped payment check in XXXX when this check was alleged mailed as the law states escrow refunds must be refunded. Loancare continues to lie to me. The right hand does not know what the left hand is doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX, federal student loan were closed in XX/XX/XXXX under chapter XXXX. Acct should have been fully cleared and removed from credit under the bankruptcy signed by judge. Requesting removal of negative impact and acct from credit. 

Ally auto loan Acct. was held under spouses bankruptcy XX/XX/XXXX under chapter XXXX. Acct should have been fully cleared and removed from credit under the bankruptcy signed by judge. Requesting removal of negative impact and acct from credit.
Product: Debt collection

PayPal credited my debit account for XXXX transactions that PayPal had already deemed to be unauthorized. PayPal then reversed their decision without explanation or justification and for which our my debit account into a negative balance of {$31.00}. I disputed this with PayPal and their response was that my dispute was a duplicate and refused to address my dispute any further. PayPal has since turned this understudied debt over to a collector named XXXX XXXX XXXX XXXX. XXXX register to address my account because they do not '' own the debt anymore '' and the collection agency refuses to address my issue also
Product: Credit reporting or other personal consumer reports

Correct name and address that should be reported. Remove all names and old addresses from credit report. One name a d one address should be reported. Enclosed be find a copy from secretary of state with Correct name and address
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/12/2017 Its reporting on my credit that someone checked my credit. I havent applied for any new accounts or credit cards today. It has also affected my credit score by dropping it by 3 points