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

On XX/XX/2021 Bank of America closed my checking account due to " fraudulent activity ''. The account had {$12000.00} at the time of closure. And I later received a check for {$2600.00}. Therefore they kept {$10000.00}. This is the total amount of transfers, I had into my checking account from roommates at the time that either owed me money for rent, or needed cash, and didn't have access to their Bank of America EDD prepaid account card. So I kindly allowed them to transfer funds into my account and I then gave them the money the same day. 
But on XX/XX/2021 one of the ex-roommates, XXXX XXXX, transferred {$3300.00} into my checking account " accidentally '' he says, and without my permission. He owed me rent previously and paid it by transfer, so my account information was already in his account. 
This ex-roommate had been recently kicked out of the house for stealing from me, so I wanted nothing to do with him. So as soon as he told me he " accidentally '' transferred {$3300.00} I immediately transferred it right back to him using XXXX in my checking account. And I didn't figure out till later that he called Bank of America right after he transferred and made a fraud claim, claiming he did not initiate the transfer, and that I must have fraudulently gotten access to his account. He did this knowing that I immediately returned the {$3300.00} to him, and was hoping Bank of America would also give him the {$3300.00}, which they did. So he ended up with {$6600.00}, and I ended up out {$10000.00} due to the lack of investigation by Bank of America. Had they done the proper investigating they would have seen that I returned his money and that his fraud claim was nonsense. And since all this I have made fraud claims on all of the transactions at hand. 
Now I realize their policy states you can only transfer from EDD prepaid account into your own account. And would have never allowed the other roommates to transfer money to me. I have copies of my account transactions where you can see the transfers in, and my transfer out or withdraw from ATM to give the roommates access to their cash. I obviously regret allowing this to happen because they ended up keeping {$10000.00} of my hard earned savings, all while claiming it's EDD money, which as you can see isn't the case. 
I am not trying to get something that isn't mine here, I just know that if they would have listened to me or investigated in the slightest, they would have at least returned my {$3300.00}, and at best returned my {$10000.00}. Either way, I can no longer open a bank account now for 3 or 5 years because of this " fraud ''. I really would like this taken off of my credit, or at the least worded differently, because it looks like I am some kind of thief, when it was clearly a misunderstanding on both our parts. Thank you for any and all help with this. I really appreciate it. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a credit monitoring alert that my XXXX account was removed from my Trans Union credit profile. I contacted Trans Union on XX/XX/2018, and they advised that XXXX  contacted them to tell them to remove the account due to fraud. I requested Trans Union to  send me that correspondence, they advised that I would have to contact XXXX  for that information. 

I then contacted XXXX to let them know. They advised that they had not requested for the account to be removed. 

How can credit bureaus contact other bureaus and delete, add, an or do what they want to do with someone's profile and not even advise the person? I feel that this is a personal attack by XXXX to keep my credit score low by removing positive account information.
Product: Credit reporting or other personal consumer reports

I reviewed a recent copy of my credit report, and this account is being fraudulently reported which is effecting my ability to obtain credit. Please remove this account from my credit report.
Product: Consumer Loan

I hold a sub-prime auto loan with Santander Consumer USA ( SCUSA ) initiated in XXXX of 2015. On my statements each month, it shows the principal outstanding but it does not indicate the interest rate being applied against the principal nor the interest rate practices of SCUSA. ( Including the daily interest rate procedure or the calculation of the interest on each month 's statement. ) This information is also not available on their website, myaccount.santanderconsumerusa.com, nor their automated phone system XXXX. The interest charge applied against the principal and added to the loan amount each month is inconsistent with the interest rate indicated on the origination paperwork ( which was filed through a XXXX-party dealer, without representation from SCUSA ). I encourage the CFPB to adjure SCUSA to include interest rates on monthly statements or in the accounts of its borrowers online and to publish information about how it calculates interest charges. Interest rates are a vital component of determining whether I prepay the principal outstanding on the loan ( or address other loans with higher interest rates or more onerous interest charge calculations ) first. Not providing this information makes it significantly more difficult, if not impossible, for me to make a reasonable decision as a consumer of a financial product.
Product: Checking or savings account

In XXXX, a check was written out to XXXX XXXX for my credit card payment. I was soon notified that payment was not received and discovered that someone had stolen my check and forged the amount of {$80.00} to {$850.00} and deposited into a personal account. As soon as I learned this had occurred, I immediately went to the branch to file a Declaration of Unauthorized Endorsement or Altered Item in XXXX. It is now XXXX and the bank has not reimbursed my account of {$850.00} that they allowed to be deposited into someone else 's account. I am a senior citizen on a fixed income and {$850.00} is a significant amount of money they pulled from my account. The check was CLEARLY fraudulent/forged and yet, XXXX is doing NOTHING to recoup my losses. I have followed up with their Fraud Team over a dozen times, in addition to calling and speaking to the branch XXXX on several occasions. All they can tell me is that it's still ongoing ... AFTER 9 MONTHS?! CHASE continues to tell me their hands are tied and they are at the mercy of the other bank to return the funds. RIDICULOUS! XXXX customer protection!
Product: Debt collection

I sent in a fraud packet requested from the creditor, alongside a copy of my ID, proof of address ( bank statement ) a copy of my FTC report and Police report. I have shown significant proof that this account is fraudulent and does not belong to me. This creditor is still reporting to the credit bureaus.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX BALANCED {$2500.00} XXXX XXXX  XXXX BALANCED {$940.00} XXXX XXXX XXXX BALANCED {$730.00} XXXX XXXX  XXXX BALANCED {$5200.00} XXXX  XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$210000.00}
Product: Credit card

I am an Identity Theft Victim. My original FTC document was XXXX to CFPB on XXXX XXXX, XXXX. My personal information ( SSN, Birthday, Address, Driver License #, Phone # ) were stolen after I opened a phone number on XXXX XXXX, XXXX at XXXX Store XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Sale person # XXXX The Criminal used my identity 1 ) Changed my address on file at Credit Card company, fraudulently charged more than {$36000.00}. ( XXXX XXXX {$12000.00}, XXXX {$4000.00}, HomeDepot {$7400.00}, {$1200.00}, {$1400.00}, CitiCard {$2000.00}, Macy {$1500.00}, XXXX {$1800.00}, XXXX {$4400.00} ). Repeatedly asking for Credit Card replacement or new card after I closed the previous ones. 
2 ) Stole my phone number twice and pretended to be me for Credit Card Call Back Verification. They also opened several lines with XXXX and charged equipment. 
3 ) Showed up at my address twice, first time waited for XXXX delivery to retrieve XXXX Card that I did not request and the second time stalked at my place, either waiting for US Mail delivery or tried to break into my now locked mail box.
Product: Vehicle loan or lease

I purchased a car from XXXX XX/XX/2022 I have not missed I received notification from west lake portfolio that I still owe my beginning balance.
Product: Credit reporting or other personal consumer reports

I contacted XXXX numerous of times. I had late payments reporting and they told me to provide medical documentation. I provided the documents and a supervisor stated the amount of hours I was in the emergency room. I was out of work and provided my discharge papers as they requested. 

They are trying to retaliate by not removing the incorrect XXXX accounts. The supervisor listed several reasons of why they will not remove the accounts. They stated someone else called on my account and it was my wife. Then they stated I filed a dispute with the credit bureaus. 

In all 3 credit reports the XXXX  accounts are all reporting incorrectly. Account status, date opened, payment status, and date of last payments are showing different. 

Both of my accounts they are reporting to the credit bureaus are paid and closed. I was experiencing a hardship at the time the late payments were reported. I'm in the process of purchasing my home and this credit building account is the reason why I can't move forwards. XXXX are being very insensitive. If I can't purchase my home home my family will be homeless. My closing date is next week and if the XXXX accounts aren't removed they will suspend my contract. 

I will attach proof of the credit reports reporting inaccurately, medical documentation, emails from XXXX  showing retaliation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/2023, I fell victim to a wire transfer scam. I was contacted by numerous fake numbers over the phone, starting with a fake XXXXXXXX XXXX XXXX XXXXXXXX, and a bunch of other numbers XXXX, XXXX, XXXX, XXXX, claiming to be " secure '' federal agency numbers, XXXX XXXX XXXXXXXX etc. The scammers claiming to represent law enforcement and social security etc., tricked, scammed, conned and pressured me to wire transfer money in my XXXX account to social security or government entity as part of " social security suspension protocol ''. They said I am a victim of identity theft, my social security number has to be suspended, money held in a government account until I can be issued a new social security number, and my money will be returned from the government. They used the XXXX app to communicate the fraudulent wire transfer information with me, which I fell victim to do a wire transfer at the bank branch. XXXX XXXX, I was instructed to wire money to a person, with an account at XXXX  XXXX XXXX. XXXX banker failed to review the wire fund scam warnings with me, had they gone over those warmings with me, it would have prevented me from completing the transaction, as the scammers used the exact tactics and trickery such as government secrecy, confidentiality, urgency and intimidation as described in the warmings. 

I immediately contacted XXXX upon realizing I had been scammed, and logged in XXXX pages of desperate calls, branch visits with XXXX, but have been left in the dark in the past XXXX months about the status of the funds, investigation, and whether a hold harmless letter, which XXXX XXXX XXXXXXXX continued to request since the initial recall, has been indeed sent. XXXX has failed to act in a timely manner, investigate this scam. I have been misled, neglected and treated deeply unfairly by the financial institution who did not act property to protect the consumer who suffered a great loss in the hand of scammers. I'm seeking answers and hold the bank responsible for failed fund recovery. XXXX months of time is simply not acceptable. I have filed a police report, report with XXXX XXXX, FTC and XXXX.
Product: Credit reporting or other personal consumer reports

This is in reference to a dismissed bankruptcy on my credit profile after many months of submitting paperwork the above item is still be report as verified, I have sent them the credit file letter from their data provider stating that they have deleted the item from their records. I have provide information from the court as well. They have refused to obey my rights and refused to obey the law of the Land in the fair credit reporting act. I am submitting this last request to have this item removed or I will submit this to my lawyer for civil lawsuit. It is not possible for them to keep sending vague responses such as We have reviewed your concerns and our conclusions are A dismissed XXXX XXXXXXXX XXXX remains on the credit file for 7 years. Their is no mention of process they listed the source of XXXX XXXX XXXX. It is clear that this is a willful act of deception because the data provider has the item deleted from their system it was removed in XXXX I have sent their new version of the resolution letter to Equifax on XX/XX/2023 their response was dated XX/XX/2023 with the answer. above.
Product: Credit reporting

Experience will not investigate unusual reporting of my identity. I have sent document proving I have never gone by the name XXXX XXXX. That I do not have a SS # that ends with XXXX. And that I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I am attempting to improve my credit and I am concerned that someone at some time used my information or that my information is crossed with someone else and want it investigated. They did not investigate. There are XXXX social security numbers on my report and they will not look into it.
Product: Debt collection

On Friday XXXX XXXX I signed on to the online banking to check my account when I noticed that my savings balance and available balance were XXXX different figures. I called the bank immediately and was told there was a court restraint on my account. I asked what this meant and I was given a collection agency to call XXXX to get assistance. I called the collection agency and was told they had a judgment against me from XX/XX/XXXX in my maiden name. I asked for some kind of information about this so I could check into it. The name is my maiden name and my address was wrong. All I was provided was the account was opened in XX/XX/XXXX and that the court awarded them a judgement in XX/XX/XXXX. This was the XXXX time I heard of this, I even asked if she was sure it was me and not my ex husband. She asked if I had an attorney to speak to which I did n't. They had put a hold on my savings account in the amount of {$1900.00} but the judgment I finally got a copy of shows the amount of {$1700.00} and there is actually due {$1300.00} but I was n't given anything to back up this claim. The agent explained that she will send a form to the bank for me to sign which will allow the bank to send them the money and release the hold on my account. She insisted I do this quickly because the hold will stay on my account and I wo n't be able to use my bank. I was so scared I went ahead and went to the bank to sign this form. I am curious though why the judgment had XXXX amounts on it and they took even more money. I have enclosed all the forms I have. 
Thank you
Product: Checking or savings account

Around XXXX of XXXX, I woke up with my phone giving me notification s that my cash app card was being charged. It had about XXXX charges and had drained my balance. I immediately locked my card and looked for a number to call to talk to some. No number available I had to send a text which a chat bot responded. Told my to lock my card and go in and dispute every charge individually and they will get back with me in XXXX and send me a new card with XXXX to XXXX  days. They eventually returned XXXX of my charges which I had to then resend the XXXX ones they did not do. another email and text. Still another 2 months to get my money back. Cash app and Block Inc. After this incident happened I received notice that the company had a Data breach around the time this incident happened.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a certified letter to Radius Global Solutions LLC with the following request : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may I made this request due to their claim I owe them {$2900.00}. I received a certified mail receipt that they received and signed for the certified letter on XX/XX/year>, Tracking # XXXX. Today is XX/XX/year> and I have yet to receive my request yet they continue to report to credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

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

I received a copy of my credit report and notice some hard inquiries that I don't recognize. 

XXXX XXXXXXXX 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

Chase bank reported a credit card belonging to my ex wife was discharged in XXXX of XXXX. 
It was not. It was discharged in XXXX. 

I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. 
Chase bank did not remove me. 

Chase bank still reports it incorrectly on my credit bureaus and in my name. As well as false information. 

Chase bank has duplicated the discharge 2 times which is not legal in the first place and incorrect. 
And can not be in in my name per legal documents which they did. 

The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. 

Please have them follow all legal avenues and remove the duplicate information as well as off my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding Transunion delete the following information off my file. The items that I need are listed in the report. I am a Victim of identity theft and did not give any person permission to use my information and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit I.D . & Proof of Address.
Product: Credit reporting or other personal consumer reports

I have attempted through all channels seek proper investigations into the reporting of accounts on my reports from all three major credit bureaus. All three credit bureau report that all information is accurate and they put only the account is included in bankruptcy, but still report account is closed or charged off to collectionssold off. Ill accounts before XXXX  should be marked as included in bankruptcy and not to report as charged off or sold for collections or derogatory. I have tried to fix this sold off. Ill accounts before XXXX  should be marked as included in bankruptcy and not to report as charged off or sold for collections or derogatory. I have tried to fix this.
Product: Checking or savings account

On XX/XX/XXXX of XXXX I deposited a check in the amount of {$1000.00} to my Wells Fargo account via mobile deposit. On XX/XX/XXXX of XXXX, Wells Fargo removed that money from my account. After speaking with multiple bankers they told me that the physical check had been deposited in another Wells Fargo account completely unrelated to mine on XX/XX/XXXX through an ATM, despite the check having my name and signature on it. 

They told me that because of regulations, the physical check always takes precedence over the mobile deposit, so the money was transferred to this other person 's account. On top of that, because their terms of agreement states that they are not liable for any checks that are cashed without verification, they would be unable to put the money for my check back into my account.