23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello, ****PLEASE HELP**** PLEASE HELP. 
Whoever is reading this, I hope you are having a good day. I havent been able to get this money back, and Ive spent countless nights crying and depressed. 


On XX/XX/2021 I received an email from bank of america for a fraud alert for my unemployment card. 

Someone tried to withdraw some money from an ATM in XXXX XXXX, CA. 
I live in XXXX, CA. I was not in XXXX XXXX, and I NEVER LOST MY CARD. 

Naturally, I called my bank and checked my statements. Almost all of my money was gone. This is a card I dont really use, so it was normal for me to not check the activity often. There were a series of withdrawals before the XXXX, listed below, ( I did not receive fraud alerts ) I filed a fraud claim, and my claim was denied. 

I had no idea why it was denied, so I asked for it to be reopened. I was also told that filing a police report and faxing my drivers license would help, so I did those things. My claim still gets denied. I have reopened it probably 5 or 10 times now, I dont know. I lost count. 

I found out that I had a wrong date on the initial fraud claim, as well as on the police report. 

The fraudulent transactions were : {$1000.00} on XXXX XXXX each. for a total of {$8000.00}. 

I mistakenly claimed on both the police report and the fraud claim that a {$900.00} charge on XX/XX/XXXX was fraudulent, but it was me. I have made this fact *very* clear to the fraud department or whoever XXXX XXXX is in charge at bank of america XXXX They have assured me this documentation has been recorded. 

It is now XX/XX/XXXX, and the {$8000.00} that is mine still has not been returned. I never lost my card, and Bank of America does not want to give me my money back. Ive called countless times. Begging, pleading. Ive even spoken to a couple people at the bank, who told me over the phone they were looking at the camera footage and the FOOTAGE CLEARLY SHOWS AN ELDERLY MAN withdrawing money on the above dates. Obviously, not me. I am XXXX, XXXX, and wear glasses. The difference, according to whoever was on the phone, is very easy to tell. Again, to emphasize, I never lost my card. A stranger criminal was able to take my information somehow. This was all on a Bank of America atm by the way. 

****Please help me. No one wants to help me. Im desperate for this money back. *** ill attach the police report, but the bank already has this as well as my license
Product: Checking or savings account

had a high interest savings account that I opened on XX/XX/XXXX. It was to be used for SAVINGS ... .and no way would I authorize 'payments ' FROM it. 5 random payments were made to " Cardmember Services '' as follows : - {$400.00} on XX/XX/20 - {$43.00} XX/XX/20 - {$75.00} XX/XX/20 - {$33.00} XX/XX/20 - {$390.00} XX/XX/20 Totaling {$950.00} When I XXXX this place I can't find a real place called " Cardmember Services ''. But some references suggest its a service to help with credit card payments. I have no credit card debt so no way could that be mine. I reported this to Capital One. They reversed everything than later took all the money BACK out of my account! When I speak to agents they say they are escalating the case but for now the case is CLOSED because the supposed Cardmember Services says I authorized this. It's UNBELIEVABLE that a bank would take their word over mine. XXXX the exact words on my statement yields with numerous complaints that others have had the same issue ... money taken out of their bank accounts in random amounts and times. The world is in a state of emergency, and I too live day to day wondering my own financial status. I need my savings! It's not acceptable for a bank to allow this to happen! It's a pandemic! People need their hard earned money. How on the world can you be so irresponsible as to let unauthorized transactions occur from a SAVINGS account??????? Savings accounts should be 100 % SAFE.
Product: Student loan

In XXXX of this year I applied for the IBR and had not revived a response on approval. I was offered forbearance and felt forced to take it as a result of not being able to get a hold of Navient. Despite harrassment almost every other day with them filling up my inbox they never called or sent a physical letter until last week threatening action with wage garnishment or tax penalty and so on. I did attempt to reply to the email and it was not responded to. This has effected my credit score drastically and it's become damaging to the point where it is impossible for me to rebound back from. I have never had an issue before and I was always able to renew my IBR yearly. I was told I needed spousal signature but we never able to log in. Either times it was submitted. Evn after I have gotten a ton of emails saying I owe more and more.
Product: Consumer Loan

We got aa title loan from loamart in the name of XXXX XXXX and XXXX XXXX they gave us the check we cashedit they said the bill was due on XXXX XXXX and the tow truck came on XXXX XXXX and repo thethe truck when we was n't even late for the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'am a victim of idenity theft I'am including attachments which are FTC report, XXXX data breach, and the letters I sent the bureaus.
Product: Credit card or prepaid card

XX/XX/2023 I went to XXXX XXXX for groceries. I scanned in my membership card and paid for my bill, {$86.00} at XXXX XXXX. I left and walked to my car. I searched for my card and realized I left it on the credit card terminal. I went back inside to search and the worker reported she had given it to her manager. I then went and got gas, again scanning my card for {$63.00} at XXXX XXXX. Later after looking at my statement, between XXXX and XXXX there were two separate XXXX charges for {$180.00} at XXXX XXXX  and {$190.00} at XXXX XXXX. Neither of these two additional charged were scanned under my membership account. Upon seeing these charges, I canceled my card and reported the charges as fraud. Citi bank has denied these fraud claims. I am now no longer able to see my past purchases beyond my most recent one with my linked Citi Costco card. If this is resolved I will be more than happy to show that I only scanned my membership card for my initial purchase and for my gas.
Product: Checking or savings account

I applied for a loan with XXXX XXXX XXXX to consolidate my credit card debt. Was approved for $ XXXX. They put the money in my account which on my end looked like a wire transfer in 2 payments of XXXX. Then they transfered half of that out of my account and to XXXXXXXX XXXXXXXX where they had gotten access to and transfered money from there to a XXXX account. USAA, my bank took all the funds I had in every account I was linked to and then closed them out. They then charged off only $ XXXX in fraud. Leaving me with a {$0.00} balance but not giving me access to the money that was previously in my account. This was not my fault, I was a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax, XXXX and XXXX Credit Bureaus are reporting inaccurate information in XXXX, XXXX XXXX and XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be updated. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or update this from my personal file. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$480.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00}.
Product: Debt collection

I do not know and have never had any business transactions with the company NATCREADJ.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, also filed a complaint with CFPB and against Equifax, I received a response from Equifax stating the inquiry on my consumer report was FACTUAL, XXXX. assured me that there was not any application attached with my social security number in their system and also assured me that they would contact Equifax to inform them of the error. I will attach the letter that was sent to me from XXXX to this complaint as well, In my last last complaint about this matter, Equifax lied to the CFPB about it being FACTUAL! The attached letter from XXXX shows the truth.
Product: Credit reporting or other personal consumer reports

I have spent the past 3 weeks contacting credit reporting agencies ( XXXX, Experian and XXXX ) about a recent collection notification on my credit report. Each collection agency has not provided adequate customer service to address the issue. In each instance, my inquiry is sent to various service agents. Eventually, my call is terminated after more than an hour on hold.

Summary of issue : The collection agencies indicate that there's an outstanding debt of {$600.00} being sought by XXXX XXXX XXXX XXXX. Further investigation on my part concludes that this is a fraudulent effort by the original inquiry company XXXX XXXX  ( a leasing company ) to force payment on a non-existent debt. The debt in question is an administrative fee imposed by the leasing company ( XXXX XXXX ). This is a retaliatory effort, since I submitted a request for leasing reimbursement. The reimbursement was to address non-compliance of a leasing agreement. I have attached my original reimbursement request to XXXX XXXX for reference. This amount remains outstanding. Since they are a business entity, I am unable to follow suit with regards to reporting. In addition, I have never been contacted by the collection agency about the outstanding debt. Neither have I been provided the opportunity to showcase evidence that this is a fraudulent effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 
1.  The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Product: Checking or savings account

I filed a claim with Wells Fargo after purchasing a resume service and not getting what I paid for and the individual who I purchased from was aggressive and abusive when having him correct errors. 
I reached out to XXXX first and they told me to go through Wells Fargo to get my money back. 


Fast forward to XX/XX/24 when the same individual decided to threaten me on XXXX after getting notified about the chargeback through XXXX. Wells Fargo has now put my account in overdraft for this issue and Im in the process of seeking legal counsel if this isnt resolved. His threats for not delivering should be investigated and I should not foot the bill for this. 

I want the overdraft fees and payment removed or I will file suit for being an accomplice to threatening behavior against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is truly a misrepresentation of the law. Im just confused and feel abused by unethical procedures that are taken place. My kids can be homless because of the fraud. I have studied the regulations committed to protect the consumers from fraud and any inaccurate information on there credit report.

You are validating information that cant be validated unless if all parties in the matter are interviewed and giving a statement. The person who in fact stole my identity cant be interviewed because we do not know who it is. You are reasonably justifying these accounts but thats impossible because these accounts arent mine. According to FCRA 15 U.S. Code 1681c-2 Block of information resulting from identity theft within 4 days. I have submitted all the documents required according to the FCRA to have all accounts removed. This is completely wrong. I am a victim of identity theft. The data funishers can not say that these are my accounts. The information was stolen so you are validating accounts that shouldnt be on my report. You have 4 days in receipt to remove these accounts. Protect me from this fraud I am a victim. I am uploading all factual documents again. Thank you in XXXX.
Product: Credit reporting or other personal consumer reports

A complaint was filed against Experian on XX/XX/year>. On XX/XX/year> and XX/XX/year> I attempted to log into Experian and kept receiving an error message stating that either my username or password was incorrect. I had signed in the same Experian website, using the same username and the same password as I always have but after my complaint, I can no longer access my Experian account. When I clicked on the link to change my password, I changed my password and the new password didn't work either. I changed my password 3 times and none of the passwords allowed me to access my Experian account. 

How is it that these credit bureaus have so much control over our personal information? How is it that these credit bureaus are able to allow or deny access to OUR own personal information? How is it that these credit reporting agencies allow companies to say XXXX they want about us, the consumer, even if it's not been proven. 

The credit bureaus are not here for us! They do not protect our personal information, in fact, they encourage the companies to write whatever they want and it sticks to OUR profile/report. 

I know for a fact, I am not the only person that has complained about Experian or the other bureaus. Yet, they are able to thrive and conduct business as usual with no care or concern for the human beings with defaming remarks on their credit. Those defaming remarks on credit determine what WE can and can not have as far as allowances. Doesn't seem fair. XXXX XXXX XXXX. Good or bad. The credit bureaus are worse then a XXXX  XXXX ... a XXXX XXXX will at least give BOTH parties coal in their stocking. The bureaus gives ALL the coal to the poor consumer. 

The bureaus should mediate between the company and the individual to resolve credit reporting matters. But no the bureaus just take the company 's word and leave XXXX looking irresponsible, untrustworthy and like a XXXX XXXX XXXX
Product: Debt collection

A collection agency sent me a letter on behalf of XXXX XXXX commpany for a past due utility account which I never had. Transworld Systems Inc. is the collection agency. They advised me the past due bill is for a property in XXXX, MI which I never owned. I have never lived in or owned property in XXXX, MI.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX    the pretender lender loan servicer, its shady incompetent delusional robo-employees on the upper crooked floor division, and its lawyers on the crooked bonus division committed fraud against me for years attempting to steal my home, pushing me around making threats with the loss of my home using fraudulent foreclosure and fraudulent trustee sales. The pretender lender loan servicer has clouded up my title frozen all my equity and ruined my credit by placing fraudulent incorrect information on all  XXXX  major credit reporting agencies for years. I know its been a complete waist of time filing consumer complaints against the pretender lender loan servicer because its employee  XXXX   XXXX  on the crooked floor division is trained to respond to all my CFPB consumer complaints using her  XXXX  spin-pin-tool not to admit  XXXX  dark secret white collar crimes cover-ups, and that 's exactly what it is, its nothing less that. After the pretender lender loan servicer used its cozy relationship with  XXXX  as a weapon against me leaving me with no options to save my home from fraudulent trustee sale, only leaving me  only one opt ion to either sign the increased none negotiable loan modification or lose my family home I own free and clear. I have repeatedly told  XXXX   XXXX  that my attorney will be filing a major lawsuit against the pretender lender loan servicer in the coming days, and that the payoff evidence and witnesses will take place in a court a law or in law enforcement agencies. I was advised not provide the pretender lender servicer incompetent delusional employees on the upper crooked floor division and its lawyers on the crooked floor bonus division any evidence. The courts and the authorities have access to the evidence at anytime.
Product: Money transfer, virtual currency, or money service

Coinbase disabled my account for no reason and no explanation. 

I have placed multiple calls to their customer service line for over a month. 

Their customer service tells me that they have escalated my case to a " specialist '' and states that they will get back to me within 5-7 business days but never has for over a month. They would proceed to close the case without resolving the problem or contacting me with any explanation. Their customer service is non-existent. 

Referencing XXXX # XXXX XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX XXXX entered into a Membership Contract for a 12-month period starting on XX/XX/XXXX, with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under account number XXXX for a XXXX XXXX making payments of {$9.00} for 12 months for a grand total of {$110.00}, Upon checking my records ( Bank Statements ) 10 payments were successfully paid from the period of XX/XX/XXXX through XX/XX/XXXX, I received a new debit card in the mail in XXXX, having thought I had a membership underneath a different card and that it was being paid as agreed. XXXX XXXX XXXX XXXX XXXX XXXX failed to provide notice that my account was delinquent and steps to resolve through multiple forms of communication such as the email associated with my contract and account XXXX, mail, or phone, instead XXXX XXXX  took a different approach rather than remedy directly such as when I was late once before they sent me an email ( attached ) but as of XX/XX/XXXX my account has been placed with collection with CACI Collections in XXXX, Missouri with a total in the amount of {$59.00} which is grossly overstated and incorrect, secondly when I go on to the XXXX XXXX XXXX Page to view my contract, account information, or even attempt to update or make a payment, I receive ERROR 86 : The amount past due should be {$18.00} for the remaining 2 months out of the 12 months which I accept should be paid as agreed upon. It is my opinion that with XXXX XXXX  handling this issue so unprofessionally, and punctually that I will no longer visit any of their theme parks in the future.
Product: Credit card

I called and spoke to many people. First one says they can send a text with a link to get account number. Next I spoke with XXXX XXXX who said she has no info for me. I asked to speak to manager who was XXXX XXXX. He told me that at the moment he could not give me the info. Next I spoke to his manager who I failed to get his name. He told me everything was fine and that all we had to do was resend the information to me through the internet. XXXX seconds later I was hung up on. These people were very unprofessional and could have easily fixed my problem. I have numerous banks and credit cards and never had a problem like this. Their attitude was very rude. I don't know if it's because it's new years but they should not be able to talk to people like this and treat them like that. 


Thank you XXXX XXXX
Product: Vehicle loan or lease

I went to XXXX XXXX XXXX on XX/XX/2018 to purchase a new vehicle. I was connected to their one of their sales reps, XXXX, who showed me around and was very kind. I was very clear with her and everyone I encountered that I had recently retired from the XXXX. 

After choosing the vehicle I liked, I negotiated with the manager, XXXX, who I also told about my military status. We agreed on the pricing and away I went to sign all the documents. I was sent to the finance rep, XXXX, to finish off the deal. I told him I recently retired from the XXXX and on my reqest for credit paperwork, it says what I currently do and my military status. 

I signed everything, financed some of the vehicle with Honda Financial ( their in-house lender ), and left to go have dinner. When I got home, I pulled out the paperwork to review it and make sure everything was good to go. Well, everything was not okay. I found a {$490.00} error XXXX made so I immediately called him to tell him. He denied the mistake and told me everything was right. It wasnt until I told him my wife and I both have MBAs that he started to really look at the numbers and then said oh yes, there is a mistake, but just come in and I can fix it. 

So i go in the next day at XXXX in the morning to meet the director of finance for our meeting and of course, he can not meet with me for whatever reason. I was taken care of by another finance rep who was nice and saw the error immediately. Resigned the paperwork and off I go. About a week or so later, Honda Financial sends me an e-mail with instructions to set up my account. 

As I looked around their website, I found a special deal for Active and Retired Military that provides a {$500.00} discount which NOBODY at the dealership mentioned. I called Honda Financial and they gave me the go around saying they can not apply this discount to the loan. I called Honda and they told me I had signed a contract and that there is nothing they can do. I called XXXX XXXX XXXX XXXX, where I purchased the vehicle and they said nothing could be done since they were already paid for the vehicle and they really dont care what happens afterwards. 

This is the reason I am filing this complaint- seems like they dont care about Military personne and are providing advertisements to lure people in but in the end, they dont deliver. I want this resolved.
Product: Checking or savings account

Beginning on XX/XX/2023 Ive been receiving a series of emails related to online banking applications being submitted in my name at Bank of America and those applications being accepted. Each time Ive received these emails, Ive contacted Bank of America to alert them that I did not open these accounts and I do not have and do not intend to open any Bank of America accounts in the future. Each time Ive been assured that the accounts have been suspended and my profile has been flagged so that additional accounts can not be opened. Nevertheless, I have continued to receive these emails and additional accounts have been opened. I have put fraud alerts in with all of the major credit unions but this has not prevented Bank of America from accepting all of these fraudulent applications in my name.