23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

A scammer cloned a bank of america phone number on XX/XX/923 XXXX  from XXXX saying someone was trying to make a unauthorized wire transfer for {$24.00}, XXXX they walked me through it on the bank of america app saying I had to send a XXXX XXXX  the account case Manger a wire. They told me not to log into my account for XXXX hrs. 

XX/XX/XXXX I did anyway and saw that money was withdrawn. I then called bank of america on their number on the back of my card XXXX. They said it was not them that I had spoken to earlier and assured me that my money would not go to XXXX XXXX.That a wire takes XXXX hours to process amd I would get money back in a couple of days. This was a general person I spoke to them they transfered me to fraud and they told me the same thing. XXXX filed the claim XXXX at XXXX am I called boa to shut down my frozen account, I was still told the wire was frozen. 

XX/XX/XXXX called the fraud dwpt spoke to XXXX  then to XXXX  they told me the funds went to XXXX  and I may or may not get my money back. That I also jave to fill out a form, which no one else had told me this on several other previous calls.
Product: Credit card or prepaid card

I transferred XXXX ThankYou Points ( Citibank ) to XXXX XXXX to book award flights on XX/XX/XXXX. The transfer was instant, but XXXX 's website was having serious technical issues and the booking was not successful after several contacts with XXXX 's customer service. On XX/XX/XXXX, two days after I initiated the transfer and saw the booking probably never would be successful, I contacted Citi and Citi initiated a point dispute. Citi 's service  agent reassured me that for a case like this ( technical error on XXXX 's side ), the dispute would be successful, and they would call me back after they heard back from XXXX. However, I haven't received any calls and after a week, when I contacted Citi once again, the agent said the dispute was not successful, and the point reversal is not going to happen the moment I transferred them. Citi basically refused to argue with XXXX on behalf of their customers and Citi ThankYou Points customers literally have no protection at all after they initiate a transfer.
Product: Checking or savings account

I had someone get into my account and my bank is issuing me a new card just waiting for the new card to come in
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX E-mail : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Dispute of Unauthorized Hard Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. These inquiries are listed below on XXXX, Transunion, and 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 I do not recognize these inquiries, and I believe they are the result of identity theft. I did not authorize anyone to inquire into my credit on these dates. These inquiries are suspicious and potentially fraudulent, as I have not applied for credit with these institutions or authorized any transactions with them. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. These unauthorized inquiries could adversely affect my credit score and financial standing. 
I request that you investigate these inquiries promptly and remove them from my credit report as they are unauthorized and potentially fraudulent. Please provide me with a written explanation of your investigation results and any actions taken. 
Enclosed are copies of my identification documents and any other relevant information to support my dispute. Please contact me at the above phone number or email address to confirm receipt of this dispute letter and provide updates on your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I contacted the collection agency and the original creditor an informed them both that they have a collection account in my name that does not belong to me. It appears to be an collection account with a company name Merchants Credit Guide partial account number XXXX in the amount of {$340.00} with an open date of XX/XX/2020 and the original creditor is XXXX XXXX XXXX. I have requested signed documents or any contracts that would link me to these accounts in written and both the collection agency and original creditor has failed to provide the information requested and this is a breach against the HIPA Law.
Product: Payday loan, title loan, or personal loan

Today I spoke with a XXXX that was representing ACE Cash express and wanted to pay on what I owe in installments. I was told no unless I can pay it in full. Then was threatened to be sued. Also I have not received any validation of debt or any paperwork from them for that matter. All of a sudden a get a phone call from a private number with a threatening voicemail from XXXX whom was representing ACE CASH EXPRESS. I believe I am being bullied and what I can pay monthly is not being accepted even though they have not provided me validation of debt.
Product: Debt collection

Complaint, XXXX and XXXX  to Bank of America and demand for disclosure of documents. If Bank of America refuse to provide it to me via CFPB, I will issue a subpoena for these documents. 
Bank of America is a part of collection and servicing team who assists others in collection and servicing activities, thus a subject for disclosures under FDCPA and RESPA. 
Between XX/XX/XXXX to XXXX all my money were collected by XXXX XXXX XXXX XXXX XXXX and XXXX and deposited with Bank of America XXXX 
I demand to identify owners of the accounts where my money were deposited and names of each individual employee who had authorized access to these accounts, with contact information of these companies and individuals. Identify the named payee on this account. 
I demand copies of these accounts monthly statements history, which can show all debits and credits, starting from XX/XX/XXXX to XXXX. 
Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To whom it may concern.ONLINE INFORMATION SERVICES # XXXX.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I have paid this debt in full to the Utilities company.I was told it would be deleted from my credit profile yet the debt still appears on my credit. It was originally with XXXX XXXX and not sure how it got with ONLINE INFORMATION SERVICES.
Product: Debt collection

Was advised there was a rental debt in the amount of {$170.00}. Paid the collection as I do have recollection of the debt owed. Payment processed and debited from my bank account the same day. 

Contacted TSI for three straight days following payment for proof of payment ie electronic receipt, payment confirmation, paid in full letter, anything showing the transaction was made. was continuously told to just wait and theres nothing they can provide for proof of payment although they received my funds three days ago. 

Continuously told to check my email, then that they havent sent anything. advised i understand a paid in full letter can take time to generate and populate, but simply asking for a payment confirmation such as an automated email or something to show a transaction was processed. refused. continued to say wait. on the third day following payment, TSI locked my online account to where i can not see any account information, including the View Payments tab. Three days after payment, so receipt, no online access to confirm, no information provided. I do not expect a change on credit profile yet due to the process of reporting, however as a consumer not receiving ANY kind of receipt is unsettling and creates doubt that the company is deceptive.
Product: Credit card or prepaid card

The company does not warn about charge offs. I have been having so much trouble since covid and cant afford a charge off. 

I wish there was more we can work with as customers.
Product: Credit reporting

Around XXXX 2014 I applied for a loan with XXXX XXXX XXXX XXXX ( XXXX ). Unbeknownst to me over the next few months ( XXXX ) continued to request copies of my credit reports from the XXXX major credit reporting agencies through XXXX. Some of the request were days apart. Once I found out about the excessive credit inquiries I requested the credit reporting agencies to delete them. I also asked XXXX to have them deleted with negative results.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX 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 theftandfraud.
Product: Debt collection

XX/XX/XXXX : I had a visit with doctor at XXXX in XXXX, Virginia. XXXX did not file a claim with insurance. Because I temporarily had my mail forwarded, XXXX sent the debt to collections. XXXX made no attempt to contact me. I was unable to access the XXXX 's online portal -- this may have been because XXXX was updating or changing its online portal system. 

XX/XX/XXXX : I first learn about the outstanding debt and immediately pay {$250.00} immediately. Because XXXX never filed a claim with my insurance company, the amount paid exceeded what I owed. XXXX now files a claim with my insurance company. I expect to be refunded my excess payment. I learn that after insurance I should only owe {$100.00}. See attached. XXXX tells me this will take several weeks. 

XX/XX/XXXX : XXXX informs me that the debt is no longer in collections. 

XX/XX/XXXX : XXXX processes insurance, but bills me twice for the same visit. 

XX/XX/XXXX : I receive a letter informing me that this debt is in collections. I still have no been refunded my excess payment. I file a complaint with the CFPB. I am looking into filing complaints with other state and federal agencies too.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following personal information to be in error :
Product: Credit card

I noticed on XX/XX/XXXX that my Bank of America Visa credit card balance had gone from {$9400.00} to {$27000.00} over my credit limit of {$24000.00}. 
I called and reported a fraud dispute which they quickly removed from my account, but now the balance has gone back to {$14000.00}. The only thing they tell me or send to me says that the purchases have been credited by the merchants so Bank of America has removed their credits, but I did not make these purchases. 
Im not getting any call backs from management as I have repeatedly asked for. 
Ive been told that I am not responsible for making payments or late fees, yet these keep being added to my account since XXXX in addition accruing interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; CHILDSUPPORT XXXX CHILD SUPP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX my PayPal business account was limited. Paypal sent me an email on this day stating that my funds would be held for 180 days. After 180 days were up, my money would be released. This did not happen. Instead, on XXXX XXXX, XXXX, PayPal ILLEGALLY withdrew my money from my account into theirs. This is XXXX!! The transaction ID is XXXX. The amount XXXX by PayPal is {$1200.00} USD. 
This is an XXXX and XXXX business practice not to mention it is illegal to XXXX! I want my full amount owed deposited into my bank account right away. PayPal needs to be held accountable. I am also joining a class action lawsuit. This is a known issue that PayPal has been doing illegally to its customers. There is evidence of Class actions online. All i had to do was XXXX " paypal XXXX my money after 180 days ''. I suggest you do the same. You will see others in my exact same situation. PayPal needs to be fined ad XXXX XXXX  brought against them. I will provide any thing needed to get this done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX contacted me by phone offering a credi card account to boost credit score, I was a student, low income. I accepted after was promised coverage on balance if I couldn't pay if I paid extra for insurance to cover card. I did end up having trouble financially, even unable to attend school for that quarter. I called to explain and asked to close the account and settle owing only approx. {$62.00}. They refused to close so interest wouldn't compile, then I asked about insurance so was given a number to call which I was told I'd been charged for insurance but they never paid so no coverage. Unable to resolve. Now they have agreed to close acct but repost to credit agencies under different names. Currently XXXX XXXX XXXX refusing to remove and shows open acct. AND closed. Keeping my score down is lowering quality of life as I am unable to attain loans etc. for a home. Please help. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card account from Citibank is not reported to XXXX credit bureau as XXXX and XXXX is reported. 

I am still waiting on this account record to be updated to reflect accurately on my credit report. 

Please Help! 

I notified Citibank on letter dated XX/XX/XXXX. 

I notified XXXX on certified letter dated XX/XX/XXXX. 


I have enclosed documentation and my authorization to investigate this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the bankruptcy reporting on my credit report and to request its removal based on information provided by the XXXX XXXX XXXX Court and relevant consumer protection laws. 
According to a letter I received from the XXXX XXXX XXXX Court, the court does not report any information to credit bureaus and is not responsible for verifying or validating information from consumers credit files. The letter specifies that " any concerns regarding the accuracy of consumer credit files can be directed to the credit reporting agencies. '' The original creditor is the only entity that can verify or validate information. and in this case the original creditor says they do not report to credit reporting companies, so this inaccurate, unverified, and unvalidated reporting needs to be removed from my report. Based on the information provided by the bankruptcy court and the stipulations of the Fair Credit Reporting Act ( FCRA ), this reporting is inaccurate and must be corrected. 
To assist you in your review, I have included a copy of the letter from the XXXX XXXX XXXX Court for your reference and an image of the bankruptcy courts website as it appeared on XX/XX//2024. Please review my credit report in light of this information and take the necessary steps to remove the bankruptcy record from my file. There is absolutely no third-party with first-hand knowledge of anything. 
Please confirm receipt of this dispute letter and notify me in writing of the action taken to correct this issue within 30 days, as required by the FCRA. If you need any additional information or documentation from me to resolve this matter, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I took out a line of credit with Netcredit. This company is using deceptive practices to keep me unaware of when I could make my payments and when to schedule future pay dates. 

I complained to the Attorney general in Washington state prior, that Netcredit was being deceptive. Netcredit ended up replying to correct the problem, but then took actions against me to make sure making future payments were difficult as possible. 

Prior I had the option to change my payment due dates online. After the complaint Netcredit took that ability away, forcing me to call in to make payments. Netcredit took this action so that I would not be aware of when I could make my payments. 

I would have to call in to make those payments, unaware of when I could extend my payments. Since this created a burden I called into Netcredit to ask why they intentionally kept me unaware to when I could make future payments. 

They're reply was I don't know. The rep than reached out to a manager to look into my problem, who also said they were not aware how this option got removed. The Rep than informed my after I changed this payment, I new payment would replace said payment date. Example I extended the payment, of XX/XX/XXXX, they then said a new payment will appear this date on XX/XX/XXXX that was higher than the original amount. I also did not give verbal agreement to authorize payment but nonetheless they scheduled the new payment for auto pay. 

Netcredit is intentionally trying to keep me in the dark when I can extend my payments, then replacing them with new payments in an attempt create debt so they can ultimately sue. 

Please assist. This company is intentionally keeping me unaware in the dark and attempting to create a financial burden.
Product: Credit card

I contacted support to remove a {$40.00} late fee that was placed on my account when I had paid on the day it was due. They refused to remove the fee because they work off east coast time and they see me as having paid 38 min late when I was actually before the end of the day. This issue is extreme and unfair and unreasonable to charge and is just a way to increase profits. In no way is there a financial hit the company takes by charging these high fees. They don't need to some kind of cost of lending because a person pays 38 min late in east coast time. This is truly predatory lending.
Product: Mortgage

I was given a house modification, supposedly, but after the processing, the mortgage payment was not abated nor was the interest of the loan of 6.25 % lowered. After the government 's moritorium to help homeowners during the pandemic, the mortgage payment was given to me to be {$1400.00} or so each month. I never missed a payment, even while the company was supposed to help with a modification.. The house payment was not lessened as I thought it would be. Just a few months ago, 2 months, I received notice that the house payment beginning in XX/XX/XXXX, would be increased to almost XXXX per month!!!! This company has not helped me. Further, when I called a representative of the company whose name I wrote down, to keep the present payment as and allow me to pay for taxes myself to keep the payment as it. I asked why the monthly payment was raised, also, and was told that there was an escrow deficient PLUS higher taxes ... .all causing the nearly XXXX monthly house payment to rise from XXXX!!! I had tried to try refinancing JUST BEFORE THE LETTER CAME ABOUT THE INCREASE I XXXX. Strange to me. If I am not correct about the situations about this lender 's actions, I need to see that in writing but.. if I am the victim, here, help me!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This account was charged off on the following date ( XXXX of 2021 ). Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history every month. A charge off account should not include an active payment history. This inaccurate information falsely manipulated the statues of limitations and negatively impacted my ability to receive credit in the future. You failed to investigate this account properly for over XXXX years and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX : XXXX I previous filed a complaint with CFPB ( XXXX ) ( XXXX ) reference this account.
Product: Debt collection

Great Lakes Educational Loan Services , Inc reported an alleged debt to my XXXX, XXXX, & XXXX credit report which is a violation of 15 USC 1692c ( b ) 15 USC 1692b ( 2 )
Product: Credit reporting or other personal consumer reports

I would like to request the temporary removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.