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

On XX/XX/22 There was a fraudulent ach transaction on our business account at Bank of America. I noticed the transaction on XX/XX/22 and went into my local branch located at XXXX XXXX XXXX XXXX XXXX, Ca XXXX. I spoke to the bank manager about it and they froze the account so no further fraud could take place. The managers name is XXXX XXXX. I told him I wanted to get the fraud recovered right a way. The amount was for {$33000.00}. He responded by telling me that I needed to fill out some paperwork and I would get my money back in 60 to 90 days. He had me sit with one of the bank associates that day to open up a new account and order new checks. The associates name was XXXX and he said he would email me the fraud claim forms and I could fill them out and send them back. He never sent me the forms and never responded to my calls or email to ask why the forms weren't sent to me. I went into the bank on XX/XX/22 and the bank manager said XXXX no longer worked there. The bank manager XXXX XXXX then filled out the forms with me at that time an faxed them to the fraud department. I learned later that with a business account and with an ach fraud transaction you only have 24 hours to stop it. I went into the bank within that time period and asked for an attempt to get the money recovered but because the bank manager didn't know this rule he did nothing at that time to recover the funds. Him telling me to fill out fraud forms that could be sent in later confirms that. The bank is not taking responsibility for there negligence and is refusing to give our money back. If he would have made the call to his fraud department when I came in on the XXXX the money could have been recovered but he failed to do so.
Product: Credit card or prepaid card

I made a payment on XX/XX/XXXX and scheduled for XX/XX/XXXX which was the due date. You did not process payment nor did you note on my account but I have my email confirmation. Not only that you charged me XXXX late fee for YOUR MISTAKE. This happened in XXXX  as well. I am not sure what your system problem is but for your mistakes you have now charged me XXXX in late fees. I had to make my payment again in XXXX  when I noticed you did not process again and I paid on XX/XX/XXXX since my XX/XX/XXXX payment never processed. Now XXXX same issue and you have been causing financial and credit reporting harm because of your system issues not mine. I call in and no one will help. I called in this morning and spoke to a XXXX at XXXX am. She was extremely unhelpful. I gave her all the information and she said she could do nothing. She can not do anything about late fees that were applied incorrectly and then just kept me on hold. I asked for supervisor after 20 mins of XXXX just repeating her canned script and not knowing anything or being helpful. A supervisor never answered and I stayed on hold for another 40 mins!!! This is ridiculous. I am sending copied of this to the CFPB and FTC as well as all credit reporting agencies since you can not fix your system or payments and then keep charging me FEES FOR YOUR ERRORS!!!! UNBELIEVEABLE. Fix your customer service as it is by far awful. I can tell it is people that most likely do not work in the US and just use a script and are unable to actually do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an email from Venmo saying my account was suspended for suspicious activity and requested I upload my ID. I followed the instructions and received an email on XX/XX/XXXX that my account was permanently deactivated and that the decision was final and any correspondence from me would not be answered. They closed my account and wont allow me to access my funds, or the funds on my XXXXXXXX XXXX XXXX XXXXXXXX XXXX  account that I opened under my account & is attached to my account. They will not respond to my emails or inquiries.
Product: Debt collection

Ive sent letters to all 3 credit bureau asking to have the removal of these regarding fraudulent collections item on my credit report Merchant ADJ Service/ XXXX XXXX XXXX XXXX XXXX have violated my HIPAA rights. This is a violation of my rights due to HIPAA laws & FCRA laws. Ive disputed these collections the XXXX, FTC.. I demand these accounts be blocked, deleted and removed from my consumer report immediately or i will file for legitation. I am trying to obtain credit and these fradulent collections are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent information that has been added to my consumer report. After reviewing my report, I discovered items that I did not authorize, nor did I participate in any transactions associated with these entries. 
XXXX XXXX XXXX XXXX XXXX all these account numbers are in older documents I been sent in to all these credit bureaus like XXXX and they are not doing anything about it I believe these entries are a result of identity theft and do not reflect any activity authorized by me. 

I kindly request that these fraudulent items be removed from my consumer report as quickly as possible. Thank you for your attention to this matter and for helping maintain the accuracy of my credit information.
Product: Vehicle loan or lease

Stander coumser is basic called me every other day car payment
Product: Debt collection

I am fining a complaint against resurgent capital due to trying to collect on a loan that was token out due to identity theft. I filed an identity theft report and faxed it to them and they still have not resolved matter
Product: Credit card

On XX/XX/2024 I opened an email from XXXX XXXX that said did you open this new account : Ulta Beauty Rewards card on XX/XX/2024 for the credit amount of {$9800.00}. I called Ulta credit card Rewards and spoke to the fraud department. They said this was opened in XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, on XX/XX/2024 at XXXX. The phone number ended in XXXX of the person who opened it under my credentials. The person spent approximately {$390.00} and that the card would now be investigated and this investigation would take 3 months or less. I called XXXX XXXX Police Department to file report. The report number is XXXX. They recommended I file a report at ftc.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was listed as affected by the Equifax data leak. 

The company has made no attempt to contact me. 

Their potential impact website and pin unlock process is not sufficiently secure or randomized. 

I am disappointed in their delayed announcement, arbitration clauses for resolution agreements, and that they are trying to charge for future fraud monitoring services.
Product: Credit card or prepaid card

XXXX booked vacation through XXXX from XXXX through XXXX in the amount {$930.00}. We were to stay at XXXX XXXX XXXX, XXXX XXXX, XXXX. 
XXXX received e-mail from XXXX that our trip had been cancelled due to Covd-19. I was advised that as of XXXX XXXX had paused operation and I would need to contact my credit card company to receive reimbursement. 
XXXX I contacted my credit card company, COMENITY-Orbitz  Rewards Visa Card by phone to receive credit on my account and was advised a dispute would be processed. 
My COMENITY-Orbitz statement showed a credit of {$930.00} plus XXXX interest fee but was again charged back to my account. 
XXXX I received a letter from Comenity requesting information which I sent to them by mail on XXXX. 
XXXX Comenity sent me a letter advising they had received my claim and notification would be made within 90 days. 
XXXX I received another letter requesting the same information. 
XXXX I called Comenity and talked to XXXX advising him I had already sent the information. He advised me to resend the information and that he would process another dispute. He advised that his supervisor had called the resort and it was still closed. 
XXXX received letter requesting information AGAIN. 
XXXX I sent information to them. 
XXXX received letter to Comenity advising they received my claim and they needed another 90 days to complete the investigation. 
XXXX called Comenity and was advised the case was closed in XXXX. I never received notification of this. I requested to speak to her supervisor as she could not give me an explanation. 
Was transferred to a supervisor, XXXX who advised she would send e-mail to dispute department and call me back on XXXX. She advised Comenity received the information they needed from me on XXXX. 
XXXX I called Comenity and talked to XXXX who left me on Hold for 30 minutes and was then cut off. I called back and requested to speak to a supervisor. Was connected with XXXX who advised she was a senior supervisor but could not help me in any way. She advised Waiting for dispute department to make a decision. 

I still have {$930.00} plus interest on my card and received nothing.
Product: Debt collection

I am filing a formal complaint regarding an inaccurate account reported on my credit file by XXXX XXXX. I have never had a contractual agreement with this company. It appears that the original creditor, XXXX XXXXXXXX XXXX, transferred or sold my account without providing proper notification. This failure to notify me constitutes a violation of Fair Credit Reporting Act ( FCRA ) Section 611, which ensures the accuracy and fairness of information reported on consumer credit files.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2021, I received a fraudulent call from a person representing themselves as Bank of America. The call came in as caller id as Bank of America. The caller had much of my personal information and said they were calling to stop a fraudulent XXXX transaction for {$3500.00} from being paid from my Bank of America account. They walked me through the steps to redeposit the money back into my account and said they would call me back in 24hours. They did call but this time from a number with no caller id. The call dropped during the conversation. I then called Bank of America to inquire about the status of the the re-deposit and there was no record of such a call. The bank told me I had been frauded and that they would open a case and try and get my money back. The receiver of the funds banked with XXXX. The bank told me that it was unsure if and when I would receive my money. I think since Bank of America offers XXXX to its customers directly in its apps and online banking they should have accountability.
Product: Mortgage

XX/XX/XXXX, One West Bank sent me a HAMP package, informing me that I was qualified to receive all benefits of the program, as long as I send all documentation required and complied with the trial payments scheduled for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( Please see attachment XXXX ) I sent all documentation required, and timely sent the XX/XX/XXXX and XX/XX/XXXX payments. On XX/XX/XXXX I received a phone call from One West, informing me that they had denied my Hamp application. I said to the representative that the Hamp contract stated that if I sent all documentation and make my trial payments, the loan will become permanent modified by XX/XX/XXXX ( please see attachment XXXX, page XXXX ). The One West representative told me that even if I sent the three payments, they were denying HAMP to me, she also informed me that a letter with an explanation of the denial was going to be send. However, instead I received a letter of default of my trial payments. Although, I called and asked for an investigation of the phone call I received on XX/XX/XXXX, according to One West representatives there was no way to confirmed. On XX/XX/XXXX, I was served with a foreclosure lawsuit. One west never offered another foreclosure alternative, even that I was behind my payments three months only. Because a sale day was set, I hired an attorney to defend myself. The foreclosure attorney representing One West, was accused of bringing homeowners illegally to foreclosure by the Florida General Attorney, and was placed under investigation for long time. Also, Florida 's courts were extremely behind in foreclosure cases, time went by, years and years. All that time I repeatedly asked for an investigation on my case, but One West just ignored my requests. On XX/XX/XXXX my loan was sold to XXXX, and with being able to manage my account online, thanks to new technology. I found a log of phone calls and notes by One West Bank in XXXX 's web site. The phone call from XX/XX/XXXX that I have been referring to, is recorded there. ( Please see attachment XXXX, page XXXX ). According to One West Bank they were denying HAMP to me because they thought that the house was rented, which in fact, I was renting XXXX rooms at the time. All that One West Bank need it to do was request more information and prove of residency, which I would be able to supply without any problem. I contacted XXXX 's escalation department regarding this issue, but they complied that I should be contacting One west Bank not them. 
One west bank has taken away from me the chance to avoid foreclosure, the chance to have my loan modified by HAMP program. One West Bank has failed in their duty of care with my HAMP modification. One west is the reason I am losing my home. One West Bank has caused me a lot of harm.
Product: Debt collection

I received an email from a XXXX XXXX regarding a XXXX XXXX XXXX  card that I have never had in my life. It states that True Accord is a 3rd party debt collection agency, working on behalf of XXXX XXXX. It states that no attorney has personally reviewed this account, if I fail to reach out to them, they may forward it to a local attorney for the purposes of filing suit. I take offense to this language very much so. Especially since the debt doesn't belong to me. I do not know who it belongs to, but it doesn't belong to me at all. I am not going to verify any information with them. They should be able to verify it, which they won't, because the debt doesn't belong to me at all. I have been a victim of identity theft for over 5 years. I am attaching my police report and nothing else.
Product: Credit reporting or other personal consumer reports

Registered Mail Receipt Delivery : XXXX XXXX XXXX XXXX XXXX XXXX. Attention General Counsel : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has Enclosed Consumer Demand For Arbitration Form With XXXX concerning issue regarding the handling of fraudulent XXXX XXXX XXXX : XXXX and inaccurate information on consumer credit report by Experian. 


2. Additionally, Experians problematic dispute resolution processes have resulted in several other issues, including Experians outright failure to reinvestigate a significant number of disputes within the timeline required by the FCRA, its ongoing refusal to reinvestigate hard inquiry disputes, and its routine failure to ensure that previously deleted tradelines are not improperly reinserted into a consumers file.

Consumer, XXXX XXXX XXXX On XX/XX/XXXX, at XXXX XXXX  XXXX, Experian initially removed the disputed account, which had identified been identified as fraudulent, from Consumer credit report. FTC Report XXXX However, on XX/XX/XXXX, after a Fraud Alert had already been placed on my file, Experian inexplicably reinstated the fraudulent account. CC : Enclosed Documents Consumer Demand For Arbitration Form Privacy Act Of XXXX XXXX XXXX XXXX Power Of Attorney Case Case XXXX XXXX FTC Identity Report XXXX Experian Report With Tradeline Deleted & Experian Report With Tradeline Reinserted
Product: Debt collection

Property Manager at XXXX XXXX XXXX is trying to collect a dibt for months in which we did not reside at the address. They have sent {$2200.00} to National Credit Systems after we already went to town court. The judge already ordered no money owed to the property and we were not obligated to pay further rent. They kept the security deposit anyways, and continue to try to collect. We were already ovetpaid and at a loss resulting the issues at that property. I don't owe them any rent at all and there was no damages to the unit. It is XXXX properties.
Product: Student loan

I graduated from pharmacy school in 2004 before the new Obama plan went into effect. I immediately consolidated my loans ( fed and private ) with American Education Services and have paid between $ XXXX for the last 12 years. I never got any notification from the about the new plan that if I re-consolidated through direct loanI could have a different payback plan including having my loans forgiven after 10 years of working for a non-profit. I have worked at a non-profit hospital for the last 8 years. When I confronted AES about this they said there was nothing they could do for me. They said " it was all over the news ''. I asked why they did n't send out notifications to their customers years ago that this would be in their benefit. Their answer was what I previously stated. I have spend countless hours on the phone with studentloan.gov people getting nowhere. I find this very unfair that I will pay back 3 times what my initial loans were with interest and then also " pay '' for all the forgiven loans that this new federal program loan program offers through my taxes. I still have 18 years left of my loans and would almost be done if AES had been a decent business and helped their customers years back. The person who answered the phone actually told me I could n't have consolidated through them because the only company that would is Direct Loan. I said I have been paying you for the last 12 years so that is false. I feel owed something by them by missing out on this amazing federal program. I have paid them more than my original loans were at least twice and still owe 18 years of payments. THis is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Closed accounts that are on file are a result of identity theft I have reached out several times about these items that will be listed below. 

XXXX XXXX  Opened XX/XX/XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My card wallet was stolen and had personal account information in it somebody took that information and tried to XXXX for a loan with it and also went to XXXX  and bought gift cards with my money then logged in to my navy federal and filed a fraud claim causing navy federal to withdraw money from my account and I did not approve any of this. Later the police found my wallet and my paper with my personal information was gone I filed a claim with navy federal twice and was denied both times
Product: Debt collection

I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 12years I have not been able to achieve or get any promotion due to the false report of my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 2 years, Experian has been reporting inaccurate and unverifiable information on my credit report. When asked to provide proof of verification, they either reply with verified by company, or even more commonly not respond at all ; which they are notorious for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial account number XXXX has violated my rights as a consumer. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 agencycannot furnish a acoount without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Checking or savings account

On XX/XX/2022 from XXXX - XXXX, there were XXXX attempted atm withdrawals from my account. XXXX were successful. All in the amount of {$84.00}. Totaling {$500.00} The banking company is called Current I immediately cancelled my card and reported that there were fraudulent charges. 
That same night I filed a police report. My roommate had money stolen from his card moments before it happened to me, however his bank blocked it. 
Current does not have customer service via the phone. The police werent able to subpoena Current. 

I sent a copy of the police report to them and explained what happened. They said my dispute could take up to XXXX business days. I frequently checked in there was no update. Finally I called again at the end of XXXX and they said it was denied because the merchant said it wasnt fraud. I have never even been to that part of XXXX. I filed an appeal and checked in multiple times. I was directed to email, they would take days to get back to me, and it seemed like I was just getting floated back and fourth and that no one was taking this seriously. Everytime I contact them Im told theyll escalate it. Im usually so exhausted by the end of it I just say fine. But I have spent over 5+ hours talking to current to resolve this, and I dont think they care. The way theyve handled this is very wrong. It doesnt even feel legal. Im hoping reporting it here can get something done because I cant seem to get them to listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Opened XX/XX/XXXX + {$450.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$160.00} Original creditor : XXXX  XXXX   XXXX  Opened XX/XX/XXXX + {$220.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1000.00} Original creditor : XXXX  XXXX XXXX  XXXX XXXX  all ftc violations filed
Product: Credit reporting or other personal consumer reports

THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA XXXX05B ( 15 U.S.C 1681C-2 ) THAT YOU, THE 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 FRADULENT, INNACURATE, AND FALSE INFORMATION CONSISTS OF A PERSONAL COLLECTIONS ACCOUNTS, CHILD SUPPORT, CHARGE OFF AND HARD INQUIRIES. THIS ACCOUNT COLLECTION, DATES OPENED ( XXXX XXXX, XXXX ) - DATE OPENED XX/XX/XXXX ) - DATE OPENED XX/XX/XXXX ) - DATE OPENED XX/XX/XXXX ) - ( XXXX XXXX ) - DATE OPENED ( XXXX XXXX ) THIS ACCOUNT HAVE RESULTED IN SEVERAL FRAUDULENT HARD IN QUIRIES AND COLLECTIONS. ALL OF THE AFOREMENTIONED ACCOUNTS, COLLECTIONS, ARE RESULT OF IDENTITY THEFT AND FRAUD. I HAVE ATTACHED A COPY OF FTC IDENTITY THEFT CRIMINAL COMPLAINT
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>