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

I'm a client of Bank of America since XX/XX/XXXX. The checking account has one card, debit mastercard, in my possession at all times. 

On XX/XX/XXXX my brother and myself went out of the country to visit relatives in XXXX. During our trip the account showed fraudulent transactions in Florida apparently made by the debit mastercard I had in my possession for an amount around XXXX XXXX dollars ( {$10000.00} ). Also, please be advised that the debit mastercard assigned to the account mentioned herein was in my possession at all times. At my return to the United States ( US ) on XX/XX/XXXX I noticed the charges and immediately called to cancel the card. If you see the bank statement, youll notice that two ( 2 ) of the fraudulent charges were processed on XX/XX/XXXX after I had already canceled the card. 

We have a XXXX XXXX XXXX which handles anywhere from six ( 6 ) to ten ( 10 ) employees at any given time depending the project at hand. The PIN number for the account is only known and handled by myself, the account holder. As I was explained during a conversation with Bank of America personnel there appears to be some of the transactions that were done fraudulently. Please allow me to be clear and transparent, I do not have any idea how my card may have been compromised since it has not been shared with anyone, not even the other account holder. Please keep in mind that we do XXXX XXXX  in which I involve myself on every aspect from buying materials to performing hard labor. The typical crew for a work day includes myself and at least three ( 3 ) employees that are present whenever I buy any necessary materials. Last time I used the before mentioned debit card was at a busy Bank of America location close to XXXX, FL. 

At the time of the committed fraud I was out of the country with the only card the account has ( see evidence attached ) and even though some of the transactions were in the range of my residential address the amount of the transactions and frequency was not within my profile. That being said, there are four ( 4 ) transactions XXXX XXXX for which the nearest one is in XXXX, FL which is more than 200 miles away from home and a three ( 3 ) hour car ride. Spending more than ten thousand dollars ( {$10000.00} ) in five days seems excessive and not according to my spending patterns. Another inquiry I have is why did Bank of Americas fraud program did not prevent or confirmed any of these transactions since like I mentioned before they are not within my spending pattern. 

We have submitted a claim to Bank of America for the charges described herein and we have been denied the claim. We re-submitted a reconsideration to Bank of America with evidence that we ( account holders ) were both out of the country at the time of the fraud and Bank of America took has taken more than 120 days to deal with the claim. 

That being said, our only desire is to have the money credited back to the account as guaranteed by Bank of America when there are fraudulent charges and continue banking with the institution.
Product: Checking or savings account

On XX/XX/XXXX, I wrote check XXXX  XXXX in the amount of XXXX to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for my XXXX property taxes. I mailed the payment at the post office. On XX/XX/XXXX, the XXXX amount was deducted from my checking account. I reconciled my XXXX bank statement when I received it and all the balances were correct. 
On XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  stating that my XXXX taxes had not been paid yet. I IMMEDIATELY called Bank of America to inquire as I did send the payment and it was deducted from my checking account. 
Bank of America told me that check XXXX  XXXX was made out to XXXX XXXX XXXX ' I was able to view the check online and saw that it was a counterfeit check and was not authorized by me. 
The counterfeit check amount was the same as the check I wrote to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but the security features in the check are inconsistent with my checks and the signature is not mine. 
I put in a fraud case at the Bank of America and they told me that there is nothing they can do about it because I needed to report the unauthorized transactions within XXXX  days and the claim was reported out of this time period. 
There was no way for me to know or even suspect that there was any fraud before this time. I pay my property taxes every year in XXXX and the check clears without any issues, there was never a doubt in my mind that this time would be different. 
Bank of America told me that the counterfeit check was cashed at a XXXX XXXX and they have a tracer as to the account number but will not assist me with recovering my stolen funds. I was a victim of identity theft and Bank of America honored a counterfeit check and signature on my behalf. 
Please assist me with further investigating this issue and helping me get my stolen money returned.
Product: Money transfer, virtual currency, or money service

I am writing to informally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old charged-off account ( XXXX XXXX XXXX XXXX XXXX This account is too old to be on my credit profile. On my last dispute to Equifax on XX/XX/2022, Equifax responded and said that the credit account will be removed automictically on XX/XX/2022. I checked my credit profile today XX/XX/2022, and the ( XXXX XXXX XXXX, XXXX ) is still on my report. Charge-off accounts stays on a credit profile for up to 7 years. This account is really affecting my credit score.
Product: Checking or savings account

Consumer Complaint : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Claim Amount : {$100.00} Complaint Details : I am filing a complaint against Navy Federal Credit Union regarding their handling of a fraudulent transaction dispute. On XX/XX/2024, an unauthorized charge of {$100.00} was posted to my account, which I immediately disputed as fraudulent. Despite my repeated requests for proof or documentation indicating that I authorized this transaction, Navy Federal denied my fraud claim without providing any justification or supporting evidence. 

I have also contacted the merchant associated with the charge, a company called XXXX, which confirmed that they do not process monetary transactions. On XX/XX/2024, I received a call from their secretary at XXXX, who stated that she had no knowledge of why I would have a charge from their company. This clearly supports my claim that the transaction is fraudulent. 

Recently, Navy Federal provided me with a vague and insufficient response that did not clarify the reasons for the denial of my fraud claim. They failed to provide any documentation or proof of my authorization for the transaction, nor did they explain the basis for their decision. I have explicitly stated that I do not recognize this company or the transaction, yet my concerns remain unresolved. 

Desired Resolution : 1. I request that Navy Federal Credit Union provide clear, documented proof of authorization for the transaction in question.

2. A detailed explanation of why my fraud claim was denied, including any investigation details.

3. Immediate reversal of the unauthorized charge and correction of my account.

Navy Federals failure to provide transparency and adequate protection for my account has left me no choice but to seek further action. I hope this issue can be resolved promptly, but I am prepared to take additional steps if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX : {$0.00}. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : 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 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 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
Product: Vehicle loan or lease

My car got repossessed and now Ally Financial is saying that I owe more fees and they are not able to tell what the fees are for.
Product: Money transfer, virtual currency, or money service

My complaint is with Cashapp. I have an amount of {$7400.00} on my Cashapp account. Cashapp however locked my account because I logged into my account on a different device. After sending several emails they finally replied and said I would have to wait for about 45 days before I can have access to my account. Within those few days I had an email that both my mobile number and email has been unlinked from account leaving me with no access to my account. It has been 45 days already and I still dont have any access to my account or my money. I have emailed them several times and even XXXX on their support page on XXXX   but I however don't get a response at all or get the same automated response. 
Right now I believe cashapp is trying to scam me and keep my money. I have sent several emails and nobody is responding to me. I just want to get my money
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX  Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  Account Name : XXXX  XXXX # XXXX  UNAUTHORIZED INQUIRIES : 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: Credit reporting

I have tried repeatedly to have my security freeze temporarily lift. Equifax refuses to lift it. I have supplied them the PIN #, my drivers license, social security card, and bank statement. I have also paid the required fee. I am unable to obtain credit due to Equifax system issues. I have called them repeatedly. I got no help from their call center in XXXX.
Product: Credit card or prepaid card

I try to use XXXX  to connect my bank it would not let me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021, I hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed company above to pull or review my consumer report. Additionally, I have not given XXXX, XXXX or Transunion permission to to furnish this information. Having understood this is a violation 15 USC1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

having issues getting my credit report sent XXXX  information they have not responded
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian business because I discovered that my auto loan payments were only reported once in XXXX of XXXX, I asked that they update my report with accurate and complete information. On XX/XX/XXXX, I received a notice from Experian Business stating that my dispute was closed. They did not send me a complimentary report of the changes they claim they made. They also informed in that same letter, that they found multiple profiles for my company, but failed to provide me an explanation as to how they determined which profile belong to my company. Per FCRA when a dispute is made, and changes are made to a report a free report must be issued for the requesting person to give them an opportunity to review for accurate and complete information. That did not happen here. I have requested twice a complimentary copy of the update business report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Experian has been reporting and sharing invalid personal information, addresses, telephone numbers, employers as well as accounts and inquiries that are unknown or no longer open! My personal information has been shared to other telephone numbers and I have no idea how the numbers were even found.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX, Consumer social security Number : XXXX, Consumer date of birth : XX/XX/XXXX, Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C to 1681 c-2 ) that you, The XXXX credit reporting XXXX XXXX XXXX XXXX appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened account opened at XXXX XXXX Bank XXXX on XX/XX/XXXX under the account number # XXXX, A Phone Account at XXXX on XX/XX/XXXX under the account number # XXXX, An Auto loan at XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX, And a Auto loan at XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  XXXX  report mentioned by you which shows the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer XXXX report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, or hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint # XXXX as proof from the US federal trade commission that all of 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 submitted complaints to have items that I did not authorize removed from my credit profile and I didn't get any response to my letters. This is against the law and I demand these negative items be removed because they are keeping me from obtaining new credit.
Product: Vehicle loan or lease

I attempted tp get a small loan ( + {$8000.00} ) for a used car for my son so he could establish credit. My score on the other major agencies was XXXX. This is my normal average. My credit is exemplary and I pride myself on that. 
So far I have been denies by 3 companies, the last being XXXX. It seems that a company called XXXX, XXXX has reported my credit score at XXXX and has labeled e a risk! Who is XXXX and why do they have any right to check my credit? 
This is embarrassing!!! I could easily write a check for the remaining balance nut I am trying to teach my son the value of a dollar. 
I would appreciate it if you could check out this company and what is wrong with just relying on the 3 major credit bureaus?? 
Thank you.
Product: Credit card or prepaid card

I opened the new Master credit card from Capital One in XXXX XXXX. They had advertised and promotion in their Website and, spend {$500.00} and receive the bonus {$150.00} in three months and I applied for the Master card and received in XX/XX/2020 and used it for three cycle billing. I spent more than {$500.00}. I called and talked to them, but they denied and told me " They did not approve me for the bonus {$150.00} their promotion '' It is gimmick and cheating the customer in Pandermic Covid-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Experian is breaking the law.
Product: Debt collection

I received a phone call on XX/XX/XXXX from someone claiming to be from the CBE Group attempting to collect a debt of {$140.00} owed by my wife to her doctor for a visit in XX/XX/XXXX. The caller sounded like an midwestern American female in her 20 's or 30 's. The caller accurately identified the name of my wife 's doctor and the date of her last appointment. I told the caller I wasn't willing to pay until looking into the matter further, and requested a callback number. The number provided was XXXX. I then called my wife 's doctor. The doctor 's office advised that their record 's don't show any debts owed or any report to a debt collector, meaning the call was a scam. I called the scammer back at the number above and was connected to computer voice menu claiming to be the CBE Group. The computer said it didn't recognize my phone number but that it could locate my file if I provided my social security number. I hung up without saying anything.
Product: Mortgage

On XXXX of XXXX my family and I were heading on vacation to XXXX and during this time Ditech Mortgage was undergoing a transition with Shellpoint Mortgage Servicing. As is assumed, borrowers received monthly mortgage statements, however during the month of XXXX of XXXX, I did not received a statement from the acquiring party, NewRez LLC DBA Shellpoint Mortgage, nor did I receive one from Ditech Mortgage. So I was left with the decision to pay my monthly mortgage on XX/XX/XXXX made out to Ditech Financial for the month of XX/XX/XXXX. 
On XX/XX/XXXX, XXXX Mortgage became my new servicer. 
Ditech Financial cashed my check for {$1000.00} for the month of XX/XX/XXXX. 
Shellpoint claims to have never received a check from me for XX/XX/XXXX. 
We have attempted to dispute this with Shellpoint on XXXX, but they never got back to us.