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

Bank of America will not let me dispute XXXX dollar worth of fees because I did not pay even though I did on XX/XX/19 and bank of america reps where very abusive about it,
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax XXXX XXXX XXXX theft. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised in the Equifax Data  Breach.
Product: Checking or savings account

Was frauded, deceived and lured by the use of deceptive marketing from a seller on the website XXXX and when I called her on the topic she refused to refund it. So I went to my financial institution which was Chime. Gave them all the proper information which is valid for a refund and they have since then harassed, ignored and caused me to have not have employment and ignore every obligation to the FTC law and the financial institution that they work for which is Chime. Chime has also been charged as of last month on the XXXX XX/XX/XXXX of XXXX More for the same thing, holding refunds and not giving any money back to their clients and withholding their money from them for over 60 days and now they are being charged with fines and have to refund people up to {$3.00} XXXX. So the fact that they have these practices in place and do not. Abide by any law and are so flatly arrogant about the fact that they don't care and they will not over and over and over after request and requests since XX/XX/XXXX just flat out ignoring me and always tell me the stupidest response, which is I don't have any control to do this in my department. Which is the XXXXXXXX XXXX XXXXXXXX. Response to give to somebody and it is intentionally done so they can ignore the topic and get away with XXXX once again. They are literally committing a crime because I am XXXX and they're blocking me from my employment as well and it is a lot of money. It was my whole month 's income and they flat out won't do anything about it and I am sick. To my stomach, don't know what else I'm going to do. And it's also now a crime and a sense of it's now financial exploitation of a XXXX person and blocking them from being able to support themselves. So they are not only just disgusting, but they are evil and they are committing a civil and criminal crime at this point. And I want them prosecuted and I want to be compensated immediately so I can move on with my life. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXXXXXX Balance : {$28000.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$340.00}
Product: Money transfer, virtual currency, or money service

I PAID {$1400.00} TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX BANKING WITH XXXX XXXX XXXX, XXXX. BUT THE FUNDS NEVER ARRIVED AT XXXX XXXX. XXXX XXXX XXXX. USES JP MORGAN CHASE AS THE CORRESPONDENT BANK FOR INTERNATIONAL AFFAIRS. OUR BANK IS XXXX XXXX XXXX CONFIRMED THAT THE FUNDS WERE SENT TO JP MORGAN CHASE. TO CONFIRM THAT THIS TRANSACTION HAD BEEN DONE WE REFER TO SWIFT REFERENCE PET XXXX
Product: Money transfer, virtual currency, or money service

I was the victim of fraud and my bank, Bank of America has denied my claim. 

This situation occurred on XXXX XXXX, 2023 when I thought that I was speaking to a representative of XXXX and was helping to verify my account and a friend 's account so that she could complete a refund for a purchase. 

After a brief conversation with my friend the " XXXX '' representative ( s ) hacked her phone and was controlling it remotely, he then sent a message from her to me with a " verification '' link. Thinking that it was legitimate I clicked it, as the conversation continued the " representative '' said that he was going to send a prompt to my phone to screen share what he was doing to verify the accounts and process the refund. I became suspicious and tried to text and call my friend from my landline ( I was speaking to the " rep '' on my cell phone ). As I was texting my friend the " representative '' told me to stop pressing keys on my phone or he could not finish the transaction. At this point I realized he could see my phone, then seconds later I realized that not only could see what I was doing, but he had control of my phone and had my Bank of America app open and began to take out a cash advance on my credit card and transfer money with XXXX to a contact that I did not know. I tried to close the app, but I couldn't, I tried to shut my phone off, but I couldn't. He kept pressing keys and I had no control of the phone. 

After a couple minutes I was able to hang up the phone, and then went to the police station to file a report. I then went to my local Bank of America branch to report this in person. I was told I needed to call the bank to report it. I reported and filed a claim with both the credit card division ( for a fraudulent {$5000.00} cash advance, and fee ) and the checking account department for two XXXX transfers for a total of {$3500.00}. I had the credit card closed, and opened a new card. I had the checking account frozen, and transferred my money ( excluding the remaining {$1500.00} ) to a new checking account. I asked BOA to report the XXXX contact as fraudulent and they said they would report the number to the bank it was associated with. I have no written confirmation of this. 

There were then two attempts on the frozen checking account to withdraw money from XXXX. They were declined because the account was frozen, but Bank of America did not notify me or flag this as fraud. I did receive a notification the transaction was declined because of insufficient funds, which does not make sense. 

I sent a copy of the police report for the credit card dispute. I did not immediately send it for the checking account as they did not ask for it, and I ( incorrectly ) assumed the credit card complaint would be forwarded to the same fraud department and they would have access to it. The checking dispute was denied, I have appealed and sent a copy of the police report. The credit card dispute was also denied, and I have also appealed. 

Additionally, I have also filed a fraud report with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem with Equifax has started back around XX/XX/XXXX when I filed a dispute against the record they filed on my credit report as XXXX XXXX XXXX. To this day XX/XX/XXXX it is still listed on my credit report as reinvestagton in process. I was disputing that XXXX listed different amounts where it says Past Due and the amount thats charged off. What is also inaccurate is the last date of payment. The last payment I had made on this account was XX/XX/XXXX. Under the fair credit reporting act any investigation that takes over XXXX  days must be removed. By this incorrect information staying on my report i a paying XXXX % interest on the new car loan that Im current on now. I get lower credit offers than what i should qualify for otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly told Experian in writing and in phone calls that these accounts are a result of fraud and they have failed to help me.

1. XXXX XXXX XXXX address identification is XXXX on my report. I have never had an account with this company.

2. XXXX XXXX states the original creditor is XXXX XXXX XXXX  XXXX XXXX XXXX and the address identification number is XXXX. I have never had an account with this company, and it was fraudulently opened. Experian does not have the authority to allow a company to report false information on my credit report because they have a duty to FIRST validate the debts before they put them on a consumers report. I have never had an account with this company, and it was fraudulently opened. I will pursue legal action if this is not corrected immediately. They have no means to validate this debt because its fraud and has been reported to the XXXX XXXX Police Dept. 

3. XXXX  is on there twice. The original creditor is listed as XXXX XXXXXXXX XXXX XXXXXXXX. The address identification number is XXXX. I have never had an account with this company, and it was fraudulently opened. I will pursue legal action if this is not corrected immediately. They have no means to validate this debt because its fraud and has been reported to the XXXX XXXX Police Dept. 

4XXXX XXXX XXXX XXXXXXXX XXXXthe address identification number is XXXX- I have never had an account with this company, and it was fraudulently opened. I will pursue legal action if this is not corrected immediately. They sold this fraudulent account to a collection agency by the name of XXXX. They have no means to validate this debt because its fraud and has been reported to the XXXX XXXX Police Dept.
Product: Credit reporting or other personal consumer reports

This is my THIRD NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX
Product: Debt collection

To whom it may concerned, I am respectfully requesting help with a law firm/debt collector, Winn Law Group, in which I have recieved 2 letters threatning legal action if I did not contact them for a resolution. The last letter I recieved was XX/XX/2020, notifying me that they intend to enforce legal proceedings to obtain payment. I have tried numerous times to contact them by phone and email and have been unsuccessful. They have an email address of XXXX in which you will recieve an automatic reply that they do not respond to emails. If you call there phone number, ( XXXX ) XXXX, you will be directed to leave a message in which you will never recieve a call back. I had to do a web search to try and find any other possible way to communicate with the Winn Law Group and discovered a website of Winnlawgroup.com, in which you can submit an offer regarding your debt and I proceeded in submitting and completing that option, unfortunately I still have not heard anything back, nor did I recieve a confirmation that I submitted anything.
Product: Debt collection

Barclays Card close my account in XX/XX/XXXX and i tried to pay it current. Barclays Card Charged off the account in XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX bought the account. At the time in XXXX i did not know who they were so i did not answer most of their calls. I eventually talked with them and tried to work something out, but then i got repeated harassing, threatening calls with profanity in them. In XX/XX/XXXX, I became unemployed, homeless, and let them know that, however the calls came in until finally i blocked their number. 
Their threats came true in late XX/XX/XXXX, first week in XX/XX/XXXX when i look at my credit and found that XXXX XXXX XXXX went back in and rated the Barclay Card account as Charged Off ( CO ) for every month since XX/XX/XXXX to present. This has caused me distress, as i was almost homeless again, because of their rating this account CO for all the months back to XX/XX/XXXX. I am a XXXX veteran and i'm trying to rent an apartment, but can't until i get this resolved. 
I talked to them again today and still nothing. I talked to Barclays to try and get a letter stating that the account was closed in XX/XX/XXXX and Charged off XX/XX/XXXX. Still waiting on the letter from Barclays. I have also filed a claim with XXXX to correct the account. I have reported this company before for the abusive nature and tactics they take.
Product: Checking or savings account

I have been notified by my credit reporting services/fraud service that a bank account was opened at Wells Fargo XX/XX/2021 using my name and ssn. I notified Wells Fargo of the fraud and they stated they were placing a hold on the account because of the fraud, however, today XX/XX/2021 I received a new notification from my paid fraud service that Wells Fargo has allowed another checking account be opened using my name and SSN. This make no sense because I have placed a fraud alert on my credit, my credit reports are locked & noone from Wells Fargo has reached out to me to verify my identity prior to opening these accounts which is required per the fraud alert placed on my credit which includes my personal cell phone that is required to be called prior to opening any accounts.
Product: Mortgage

After Hurricane Irma we applied for disaster-relief mortgage forbearance with our Loan Servicer, XXXX XXXXXXXX XXXX. This was approved in XXXX and we had an agreement where we would make 3 payments for XXXX, XXXX and XXXX and they would process a loan modification. 

In XX/XX/XXXX the servicing of our loan transferred to Shellpoint Mortgage Servicing and I was told by both XXXX and Shellpoint that the terms of the forbearance agreement would be honored and that no negative information would be sent to credit bureaus for 90 days while the loan was being transferred. It has taken a long time, but I was told last week that Shellpoint finally had the information that they needed. I have been receiving Default Notices and was told by Shellpoint that  these were automated, don't worry as we're still in that 90-day window and this will all get resolved shortly, I've continued to make all the payments as agreed previously each month. 

I checked my credit report yesterday and Shellpoint has been reporting since XXXX that I am over 6 months behind on my payments causing a XXXX-point drop on my score and my wife 's score. My wife is going to College for a XXXX degree and we can't get a loan because of this mistake. I called Shellpoint yesterday and was told that I'm late and I owe the money. I tried for 30 minutes to explain the situation but the agent I spoke to just didn't want to listen and wasn't concerned. The call ended with her telling me I can try to escalate, but I need to repay the money because I'm behind. I am NOT behind, I am in deferment as agreed and I need this resolving ASAP. 

What worries me greatly too is I was told by my single point of contact that I'm not the only person who's in a deferment and had their loan servicing transferred. That means there are other people out here who are having their lives destroyed by having derogatory information incorrectly posted to their credit report.
Product: Checking or savings account

On XX/XX/year> I became a victim for being scammed. My son and I have joint bank accounts, since he is only XXXX XXXX XXXX. I went and applied for a loan online, and the website to looked real. It was through XXXX XXXX. When I went to the website it looked real. I was not aware that the scammers where going to mobile deposit checks into my son 's saving account. They ran four checks back to back through his account, in the amount of {$400.00} each. This was not authorized by myself nor my son. I did not sign the back of these checks. The scammers signed the back of the checks as XXXX XXXX, I feel the bank should of caught this immediately and shut down the accounts. They did not catch is until 24 hours later. By then it was to late the funds where no longer in the account. That's when the bank put a hold on both my son 's and mine accounts. I did turn this into the fraud department. All they really did was clear up the over draft charges on my son 's savings account. Prior to this happening my son had {$900.00} in savings. 
When I went in to talk to my personal banker " XXXX XXXX '', he told me since it was a mobile deposit, the bank released the funds out of good faith. I told him I did not authorized any mobile checks, even though my name was on the front of them. I am not XXXX XXXX, that is not my signature on the back of it. 
Since someone got hold of my credentials there is not anything the bank can do to help, nor make it right. My son now owes the bank {$1100.00} in his savings account, over this.
Product: Money transfer, virtual currency, or money service

I have tried several times on my account in order to be able to repay some money to another person. It was not possible, any credit card ( even prepaid ) I put them did not verify it. They blocked an account without even giving me the chance to give back the money to the buyer. It's XXXX dollars.
Product: Credit reporting or other personal consumer reports

For three months Experian has reported incorrectly on balances that did not exist. One has been on report for three months straight. They are responsible for my credit score lowering from XXXX. I am furious and owe nothing except my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX ( Account # : XXXX ) has violated my rights. 

15 U.S.C. 1681 Section 602 ( A ) states that I have right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax on different occasions in regards to the information on my credit report for XXXX. XXXX is listed on my credit report as a charge off and this account was sold to a collection agency and this should not be listed on my credit report.
Product: Credit card or prepaid card

I applied for Citi Bank AAdvantage Platinum Select World Elite card in XX/XX/2018. When I applied the AD said as follows : They claim in AD if following conditions are satisfied then I get XXXX bonus miles after spending {$2000.00} in first 3 months and XXXX after making a total of {$6000.00} in purchases in first 12 months of account opening. Unfortunately I spent more than {$11000.00} because of there luring AD and see any other conditions posted under their disclosure and was never told on the phone. So I thought it is good deal in my Senior years and I can use this mileage for my vacation but later I saw it was never awarded to me and I was shocked. 
I called them about their misleading practice and not being transparent but all they made vague argument via letter as follows : Special offers are not allowed if account is approved or closed in 24 months. But honestly I did not see in their AD Disclosures. The copy of which is pasted below. If it is hidden somewhere to me that is fraud and deliberate lack of transparency.. I would like you please resolve this issue that is fair to me. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CITI ADVERTISER DISCLOSURE Partner Offer Citi / AAdvantage Platinum Select World Elite Mastercard Good to Excellent Credit  Recommended ( XXXX )? 


at Citi 's Secure Site Intro Bonus XXXX miles Earn up to XXXX American Airlines AAdvantage bonus miles : XXXX AAdvantage miles after making {$2000.00} in purchases in first 3 months and XXXX after making a total of {$6000.00} in purchases in first 12 months of account opening* Reward Rates 2X 2 AAdvantage miles on eligible American Airlines purchases* 2X 2 AAdvantage miles for every {$1.00} spent at gas stations* 2X