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

My husband and I were thr victims of a fraud scam. He received a phone call on or around XX/XX/XXXX from someone identifying themselves as a member of Navy Federal fraud department stating they found some suspicious activity on our account. They were able to add themselves as a linked member to our checking and gain access to our checking and savings account. They transferred {$10000.00} to our checking and did a withdrawal of {$3500.00}. We immediately called navy federal back directly who informed us that this was a scam. We went I to navy federal and opened a new checking account and transferred all remaining funds to a new account. Navy federal stated they would do a fraud investigation but to date, we still have not been contacted and our compromised checking account is still sitting at a negative balance of over {$1500.00}. Navy federal did not reach out to us at any time to verify that we linked someone to our account and the transfer of funds was not made by us. How can someone else transfer funds out from a different location in such a large amount without getting a legitimate fraud alert to approve the transaction first. Navy fed also held a direct deposit that came from my husband 's place of employment because it happened the following day after the report of fraud was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft Bankruptcy chapter XXXX-dismissed XXXX, XXXX XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several collections accounts that is reported to the credit bureau that are fraudulent on my account.. I should not have any collections or inquiries on my file at this moment.. These is holding me back from providing for my family.. These accounts are not mine
Product: Debt collection

Received a letter from Revco solutions in attempt to collect a debt for a XXXX  ( utility ) ( letter was dated XX/XX/XXXX ) but I received it XX/XX/XXXX. I called XXXX and verified that account was for an address that I never lived at ( or owned property in that city ). I asked XXXX representative to contact their billing department and report the error. I sent Revco a letter ( with proof of receipt ) stating that I do not owe the debt in question. I asked them to provide proof of the bill. I got the signed proof of delivery back from the letter. I then received another collection statement ( offering a 30 % discount ) on the debt that I do not owe. ( with no additional documentation ) Letter is dated XX/XX/XXXX. Revco Solutions is the company sending these letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - Called Equifax and spoke with XXXX, Employee Number XXXXXXXX. They are not being helpful to survivors of XXXX XXXX She said to look up my XXXX XXXX block request that she required me to submit identification and proof of address electronically while on the phone. I submitted my driver 's license, passport, social security card, and a XXXX ( from social security administration ( social security benefit statement ) with both my address and full social security number on it. I offered my car insurance as well to serve as proof of address. XXXX would not accept my documents. She said that she was at the highest level and that it could not be escalated further.
Product: Mortgage

In XX/XX/2022, I paid funds into my account after struggling with paying due to covid. The amount paid was roughly {$11000.00} to The Money Source. The reason I paid this amount is because XXXX Florida program would not pay any funds more than {$50000.00}. The account which was roughly {$260000.00} in outstanding funds was than lowered to {$240000.00}. XXXX Florida than disbursed {$49000.00} to the account which should have lowered the amount to {$200000.00} however The Money Source did not apply all these funds and the account sits currently at {$210000.00} which puts a short of roughly {$11000.00}. I have contacted The Money Source several times and they are not assisting with correcting this amount. At this point it appears the funds are misappropriated. I have notified XXXX Florida for potential fraud and currently searching for an attorney to address the matter. This is potentially heading to a lawsuit and if not resolved I will pursue criminal charges against The Money Source. I will also notify XXXX XXXX XXXX is this matter us not resolved immediately.
Product: Vehicle loan or lease

I purchased a Vehicle Service Contract ( VSC ) from Honda when I purchased my car 2 years ago. This contract was presented and sold to me that I would have access to road side assistance and free rental car when my car was in  need of repair. Below, Ive also pasted verbiage copied directly from Hondas website regarding this contract. 
A XXXX XXXX XXXX provides benefits your manufacturers warranty does not. For example, with XXXX XXXX, youll get roadside assistance1,2 and rental car coverage1 when your vehicle is being serviced for covered repairs, and extensive component coverage5 Recently I received a recall notice from Honda and called to make an appointment. I was told that I do not have a Vehicle Service Contract. I called back again and the second  representative I spoke with stated that I do have one but that a recall is not considered a repair. My car is in need of repair due to the recall. Their verbiage is ridiculous. They are selling a product that does not provide what is described under their terms. 
I wrote to customer service and requested that they confirm that I purchased the VSC. They responded and stated that their records indicate that I do not have one and advised to call this number ( XXXX ) if I had any additional questions. ( Case Number XXXX ) The email I received also stated that a case manager would be reaching out to me in 1-2 business days. It has now been 8  days and I have yet to receive contact. 
I called the number provided and spoke with XXXX XXXX who CONFIRMED I have a VSC. I requested that she send me a copy of the contract which I received in the mail last Thursday ( XX/XX/XXXX ). I sent a copy of the contract to Honda on that same date and asked that they note my account so that I dont encounter this issue in the future. Still no response. 
The VSC I purchased cost over {$2000.00} and added an additional year of payments to my loan. This is a substantial amount of money and it is mind boggling that Honda can not accurately track their own records. 
I am appalled at the lack of communication from Hondas customer service. The VSC is a SCAM. I either want my money back or for Honda to acknowledge that I have a VSC and provide me the coverage that I purchased. My car is being recalled and needs to be repaired. Under the terms of the contract, a rental car should be provided when I bring my car into XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I sent a identity theft affidavit to Transunion regarding my identity theft. They came back and told me to resubmit my police report. On XX/XX/XXXX they received by certified mail my FTC report, police report from XXXX Police Report, report number, ID, verification of address as well as my pay stub, and social security card, and they have still proceeded even though by law they have to block the information within 4 business days to report inaccurate information on my credit report. I want this to be resolved, and I want all inaccurate information to be blocked and removed immediately.
Product: Credit reporting or other personal consumer reports

Equifax ( EX ) is failing to provide verifiable proof of their investigation. I've contacted them 3 times over the last 3 months and each time they've failed to send any verifiable proof. However, they claim the information has been verified. This is strict violation of 611 of the FCRA code. I need EX to be held accountable for their strict violations in the law. If they do NOT provide sufficient proof how do we know EX is performing under the color of the law. Please see the following 3rd letter I'm sending them requesting information me blocked/removed due to identity theft. How are they verifying the information if the account in questions is fraud. Please see this matter is handled to the regulations which hold them accountable. I'm including all records of the last 2 letters. Additionally, EX failed to my original letter mailed on XX/XX/year> they emailed me correspondence claiming they were not going to honor my dispute because I was not the individual or they thought it was being submitted by a third party. They are failing at honoring FCRA laws and regulations. I need them to honor my disputes and if they fail to do so I seek a remedy of {$1000.00} per individual account. I've attached the original letter I mailed to EX. I need this matter honor per FCRA laws.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns regarding JEFFERSON CAPITAL SYSTEM to handling disputes and fraud using my identity numerous of times.
Product: Credit reporting or other personal consumer reports

The following unauthorized inquiries are on my credit reports for all three major credit reporting bureaus. 

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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$560000.00}, XXXX XXXX Date XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date XXXX Balance : {$160000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The lists of accounts below and has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX XXXX Account Num : XXXX Account Name : US Dept Education Account Num : XXXX Account Name : US Dept Education Account Num : XXXX Account Name : US Dept Education Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX has violated my rights . 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received an initial letter from RTR Financial Services dated XX/XX/XXXX alleging I owed a medical debt. I sent a debt verification letter dated XX/XX/XXXX and received a reply dated XX/XX/XXXX enclosing an " itemized bill '' which showed amounts that did not foot, with a note across the bill saying " This bill is true and correct and each of the items shown hereon was necessarily furnished or supplied and the amounts charged therefore are the fair and reasonable value ''. Due to this bill not totaling to the amounts shown, and it does not look to be a proper bill from the hospital, I replied to this letter. The letter I sent back was dated XX/XX/XXXX ( received by RTR Financial Services on XX/XX/XXXX ), where I stated this reply did not validate the debt, and to also cease ALL contact with me. All contact was to cease via USPS, and via phone calls, specifically stating to not call my cell phone also. 

Today, XX/XX/XXXX, I received a call from a RTR Financial Services representative to attempt to explain the debt to me. I told them I do not know what this debt is for, and that I wrote back to them two times about it already and have return receipts to show they received the bill. I also stated that I said to not contact me and this call is a violation of the FDCPA. I stated for their recorded line to not contact me further about this debt. 

This complaint is to report the violation of the FDCPA, as shown below : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The call they made did not meet any of the criteria in numbers 1 - 3 above. The call was to explain the debt to me which violated my do not contact request.
Product: Checking or savings account

The following email was received on Friday, XX/XX/2019 from Bank of America respecting CFPB complaint XXXX ; it provides an excellent example as to one of the many reasons the CFPB needs to be given more regulatory authority. In addition to this email, Bank of America has made several telephones calls to me, sometimes ( but not always ) leaving a message : +++++ " From : XXXX XXXX <XX/XX/XXXX> Date : Fri, XX/XX/2019 at XXXX XXXX Subject : Acknowledgement of Inquiry To : [ Redacted ] XXXX XXXX XXXX, Our Regulatory Complaints team has received correspondence on your behalf from the CFPB. I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2019, to confirm that information. My days and hours of operation are Monday through Friday XXXXXX/XX/XXXX. to XXXX XX/XX/XXXX. XXXX. 

I look forward to assisting you. 

Thank you, C-XXXX XXXX '' XXXX '' XXXX Regulatory Complaints Regulatory Complaints Office : ( XXXX ) XXXX extension XXXX Fax : ( XXXX )XX/XX/XXXX-XXXX '' +++++ In addition to complaint XXXX-XXXX I have submitted three previous CFPB complaints ( not " concerns '' as Bank of America attempts to trivialize ) against Bank of America ( XXXX-XXXX , XXXX, and XXXX-XXXXXX/XX/XXXX). 

At no time previous did Bank of America respond by directing ( not suggesting ) me to call them to confirm that I made a complaint before they would " complete a review of [ my ] concerns ''. 

Placing the duty to respond on the consumer and insisting on a non-documentation method of communication gives Bank of America the opportunity to claim that they responded but the consumer did not. It also gives Bank of America the opportunity to attempt to coerce the consumer into dropping their complaint. 

Bank of America has received more than adequate information to confirm that I am, in fact, the person who has filed the complaint ( not, as Bank of America attempts to trivialize, a " concern '' including, but not limited to, the fact that I am personally known by the two Bank of America officials ( the branch manager and branch operations manager ) that are the primary subjects of the subject complaint. 

This is another duplicitous and reprehensible tactic by the Bank of America designed to prevent documentation of willful negligence and to trivialize blatant discrepancies. 

It appears that that the company calling me is a Bank of America sub-contractor or company that tries to mediate disputes and that Bank of America is attempting to circumvent the CFPB.
Product: Debt collection

I owed XXXX XXXX XXXX XXXX, it 's now {$100.00} after paying them {$50.00} every two weeks.They said I could make payments, since it was closed account ( I switched to XXXX ). It was sent to XXXX XXXX who call me none stopped, I explained I was paying on it to XXXX and that I never received anything from XXXX XXXX. I 've asked them 3 times to stop calling, they said they would. XXXX XXXX and her manger XXXX. I got another phone call today XX/XX/2017 and XXXX yelled at me and said that this was collections not costumer service.
Product: Money transfer, virtual currency, or money service

The money order was lost and cashed but not by me {$380.00}. Im a XXXX XXXX XXXX XXXX and I am just now getting back on my feet. I save my money orders and now it's gone picture of the stub belowe
Product: Money transfer, virtual currency, or money service

XX/XX/year> XXXX Zelle scam Money was sent from my account to wrong account in the amount of {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For months since XX/XX/2018 I have been disputing and following the law to have these items removed and each company reporting on my report has yet to validate their search upon request in accordance to the federal law as required which is a violation of the FCRA & FDCPA. 

I requested that each company please provide me of an original signature or any proof binding me to any debt with them they claim I owe in accordance with federal guidelines and each company has failed to do so after about 6 challenging attempts. 3 from myself 2 from XXXX XXXX and another from XXXX XXXX XXXX  XXXX XXXX XXXX. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I have requested that each organization reporting derogatory items and negative closed accounts please prove this to me as I do not recognize or claim any accounts to be mine. 
Furthermore I have given them more than 30 days to respond accordingly and they have yet to respond proving or validating the debt within the 30 days required by law. 

The first challenges went out on XX/XX/2018 to XXXX XXXX XXXX for {$720.00}, There was a challenge for a XXXX balance as a charge off with them as well. XXXX XXXX also showed a {$720.00} balance along with XXXX XXXX with a balance of {$430.00} and XXXX XXXX for {$680.00}. 

I disputed each item and requested for proof my original signature as validation per the federal law requires within a 30 day period for I did and still do not recall such accounts. I informed them that failure to do so in accordance with the laws provided to remove any debt bearing my name on my credit report from their credit profile and to remove any negative item from my credit report. 

They responded with letters within the 30 day period saying that the debt was valid and their investigation was verified yet did not provide proof within 30 days of the initial letter as requested such as a signature binding me to the debt as the law requires. 

The second challenges went out on XX/XX/2018 to the same companies listed above for the same amounts and their responses were the same still failing to provide me with any type of proof validating the debt as the law requires. 

The third challenges went out on XX/XX/2018. As a final goodwill attempt along with More challenges sent out later via credit repair services between the months of XX/XX/XXXX-XX/XX/2018. 

Yet again these companies have within the 30 day span upon the initial challenge failed repeatedly to act in accordance with the law and have been in violation of the FCRA & FDCPA. 

I too requested Validation they have yet to prove it. 
Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit card or prepaid card

Someone has obtained enough PPI to apply at both Bank of America and XXXX XXXX bank for credit cards that are fraud attempts and the process of issuing does not stop once I report it to the bank. Also the hard inquiries have caused my credit score to fall and today, I received a letter from BoA again asking me to verify my identify to issue a asks XXXX XXXX XXXX card that I did not apply for. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX5 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you