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

On XX/XX/year>, at XXXX PM XXXX XXXX, I reported a fraudulent transaction of {$980.00} made via XXXX ( Recipient : XXXX XXXX ) at XXXX PM on the same day to the Bank of America XXXX Department. 

The fraud involved voice phishing. I am currently an XXXX driver. While en route to a pickup location after accepting a ride request, I received a call from the scammer, who claimed to be a supervisor from XXXX XXXX. He said, " We received a report from a passenger that you were driving under the influence, and an investigation is necessary. '' He then instructed me, " I will cancel your current trip for now, so please park your car in a safe location. '' Since the trip was indeed canceled, I had no reason to suspect he was a scammer and followed his instructions. 

Afterward, he said that he needed to verify my identity and began asking for personal information, including details about the payment method XXXX uses to pay me weekly. The scammer then sent me a text message, pretending to be from Bank of America, asking for my account login information. When I responded, he gave me a code, XXXX, and said, In order to verify my identity, I was told through the XXXX that I needed to authenticate the code with the bank 's XXXX, XXXX, by entering the code number in the payment amount field and clicking the send button. 
I am attaching screenshots of the text messages I received and the XXXX transaction related to this incident. 

When I reported the fraudulent transaction, the bank representative asked for the phone number and name of the person suspected of voice phishing. I informed them that the phone number was XXXX ( XXXX ) XXXX, but I couldnt remember the name, only that the person claimed to be a supervisor from XXXX XXXX. 
The bank representative told me that after a XXXX investigation, I would receive a credit for the amount regardless of the investigation 's outcome. 

However, on XX/XX/XXXX, before the XXXX period had ended, I received a notification from the bank regarding the claim. The notification stated that the claim was denied because the transaction was made from a device I had previously used for electronic transactions. I am attaching the notification for your reference.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX - XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XXXX XXXX XXXXXXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XXXX XXXX thru XX/XX/2019 I preformed a manual audit on my account. 

I went on my online bank account and added all off my debit transactions that appeared on my ledger. 

When I added my entire ledger, I discovered lots of transactions the look malicious and a lot of these transactions appears to look really that exhausted {$110000.00} in funds into my account to exhausted my balance. 

I have made mortgage payments that I did not see not other funds that was deposited into my account to pay my mortgages. 

I did not make these transactions. At least a large some of them. 

I spoke with the bank to inform them from the record I was going to complete a manual audit on my account. 

I am aware that these actions have happen before on my dad deceased account where money was withdrawn from his account on the day of his death by a poa. Then the statements said something different. 

I went into a branch and a personal banker told me this and I have not been able to recover those funds from the fraudulent act.
Product: Debt collection

Experian has refused to remove negative collections off my account after refusing to send over proof of debt.
Product: Debt collection

EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS MAKE ME STRESS, I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY!
Product: Credit card or prepaid card

On XX/XX/2019 I was charged twice for my XXXX membership annual renewal. I disputed one of the duplicate charges as I only should have been charged once for my Annual Renewal. I contacted XXXX and they acknowledged that they mistakenly charged my account twice and I only should have been charged once but when one of the duplicate charges was credited back, they cancelled my XXXX membership number that was attached to my Costco Credit Card. This caused my Citi Costco Credit Card to be cancelled through no fault of my own. 

I have contacted both Citi and XXXX and they have both acknowledged that my account should be active and that the Costco Credit Card should still be open as well. Citi initially offered to attempt to re-open my account pending a Hard Credit Card Pull and I declined that authorization as my account should not have been closed in the first place. I checked my Citi account today and my Visa Costco Credit Card it is still closed.
Product: Debt collection

XXXX XX/XX/XXXX, I pulled my credit report and realized I had negative reporting by Porffolio Recovery Assoc. On XX/XX/XXXX, I sent a letter via certified mail, requesting a validation of the debt to Portfolio Recovery associates. I still have not received a response from this request and neither have a received any correspondence, or opportunity to dispute. Ive tech several notices from attorneys asking that I use their services for Portfolio law suit. I didnt know I was being sued. On XX/XX/XXXX, I called Portfolio Assoc. and they refused to talk to me about the account, yet gave me a phone number to Lawyers office the account has been passed to. I then called Lawyers office 3 times, and couldnt get anyone on the phone after being on hold thru the automated service.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. REMOVE THIS ACCOUNT IMMEDIATLY
Product: Checking or savings account

Mishandling an IRA account, first error, applied the standard withdrawal to another account. No approval by me. Correcting that at branch bank in communication with IRA department. 
Second error. Transfer the remaining funds into a XXXX month cd. With no withdrawal. Renewed the same with a standard deduction of {$270.00} plus income tax {$30.00}. Bank of America showed the total amount as income. 
Went into the branch bank and got assurance that the statement would be corrected before XX/XX/XXXX. Went back to the branch bank on XX/XX/XXXX and they were unable to give me a print out the corrected statement. Had to cash another cd to meet incorrect statement and pay the IRS. Overage of {$6400.00}, 4 months for the IRS to process the amendment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve an account with the company XXXX, XXXX. The account number with XXXX is : XXXX. I have written a letter in XXXX of 2020 to this company regarding rectifying this account and I have not received a response. I have also sent letters in XXXX, 2020 asking for verification and method of verification for this account. THIS COMPANY DOES NOT RESPOND TO MY LETTERS. 

I have also disputed this account with XXXX  and Experian both online and written letters. This account was disputed in XXXX of 2020, and nothing has been done to rectify this. The account number for XXXX on my credit report is : XXXX. This account with XXXX has been removed from my XXXX  report. This account is inaccurate and falsely reporting because it is not a validated account according to the FCRA and has already been removed from my XXXX  report because of this reason. I am requesting that the item be deleted to correct this information. Please do a full investigation of this item and delete disputed item as soon as possible.
Product: Mortgage

Mortgage Loan XXXXTo Whom It May Concern : I have submitted settlement offers regarding the above loan to Indymac Mortgage Services five times since XX/XX/XXXX. On XX/XX/XXXX I received a counter offer from Indymac in the amount of {$19000.00}. I agreed to this offer and was in the process of arranging a wire transfer when the account manager, XXXX XXXX stopped returning my calls. I was able to contact XXXX again on XXXX/XXXX/XXXX and was told to resubmit the {$19000.00} offer in writing which I did. I never received a response. 

On XXXX/XXXX/XXXX I received a call from XXXX XXXX informing me that the debt had been discharged and they were now in charge of collection on the account. The account XXXX, XXXX XXXX directed me to submit a settlement offer. I continued to submit documents over an over without a proper response or a settlement conclusion until a call to XXXX XXXX on XXXX/XXXX/XXXX was rerouted to a new collection company called XXXX XXXX XXXX. They informed me that they are now in charge of collection on this account. I resubmitted documents to them several times between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX XXXX and XXXX XXXX, both of XXXX XXXX XXXX informed me by telephone that the offer was denied, but there was a counter offer of {$120000.00}. When I asked them for proof in writing from Indymac they refused to provide it and told me the full balance was now due. 

I never received anything in writing from Indymac or XXXX XXXX Services that they are in charge of my account. I do not know if this is a legitimate company as they will not share their address or domain. In addition they will not share with me the actual denial letters or counter offers that they claim were generated directly from Indymac. I have spoken to several representatives at Indymac who claim that XXXX XXXX XXXX still services the account and that they have the authority to settle the account on behalf of Indymac. Once again I am not able to reach anyone at XXXX as all of their calls are rerouted to XXXX XXXX XXXX. 

I am requesting that Indymac Mortgage Services contact me in writing with the reasons for each settlement denial, the documents used to make the decisions and the full name, address and contact information for the collection company that is charge of my account.
Product: Debt collection

I received a call at work in regards to a debt from XXXX years ago. I have no knowledge of this debt and asked for validation. They stated they would email me validation which I did not accept, I wanted something via paper mail. They stated they did not have to mail me anything. I stated I did not want them calling my place of employment in which I was told that they did not have to honor that request but according to the Fair Debt Collection Practices Act ( FDCPA ) they should. I gave them my correct address and phone number so I could have any correspondence they have sent be received by me since there has been nothing to date. I spoke to a XXXX, who left me the first voicemail on XX/XX/2016 but he denied it was him on the voicemail, he stated he was a supervisor and did not make outbound calls but the voice on the message was his ( I have it saved for my records XXXX. I also spoke to a XXXX and both individuals gave me different total balances owed. So with that being said I told them I would dispute this since this was not my debt. I was told my balance owed would then triple if disputed it and I would receive paperwork " soon '' and would have to make an appearance before the end of the month or early XXXX XXXX XXXX XXXX stated that he was going to have XXXX XXXX '' speak to me to set up my court date via phone ( which is unheard of ) so I waited to speak to XXXX XXXX '' and no one has called to set said date up. XXXX gave me other information stating I would receive a letter either to my job or home address. So at this point I am waiting for these documents and any proof to dispute a debt that is n't mine. They were trying to use scare tactics to coerce me into agreeing to a settlement and saying that I would be taken to court under " fraud and theft '' because I told them I wanted to dispute this illegitimate debt. I have NEVER in my life heard of the practices this company tried to impose on me and am going to await the documents that should be forthcoming in regards to this erroneous allegation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX ID : XXXX DOB : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing this letter to request an investigation of the following information that appears in my XXXX XXXX XXXX  consumer report. I have identified several inaccuracies that need your immediate attention and resolution. 


Bank : XXXX XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I want to clarify that I have no association with these accounts and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. Enclosed are copies of my identification and any other supporting documents that may assist in your investigation. I would appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your assistance. I look forward to your timely response. 



Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-husband and I had a VA home loan with Village Capital Investments. We were in forbearance because of being laid off due to Covid-19. My ex-husband returned to work on Monday, XX/XX/XXXX and I have relocated as a XXXX, in Arizona to help with the Covid-19 pandemic. My credit has been affected as well as being considered delinquent, late fees and additional interest accrued on the mortgage despite being in forbearance. We should have been advised about how to repay the forbearance monies and were not. We were also denied an extended forbearance, stating they lost our paperwork that was submitted. Assistance to pay back forbearance was also denied. I have worked my XXXX off to stay afloat on the frontline of this covid-19 pandemic and this is the treatment I received, just incredible!! 
I can see the interest still accruing, but the late fees and points lost on my credit score is preventing me from moving on in Arizona. The house finally sold and the loan paid in full but also due to coved-19 my credit is being denied for a house here in Arizona. I am pleading for some assistance, and advise as to what to do next. I want these delinquencies removed from my credit report. 

Thank you for your time, Respectfully begging, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : | XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | TransUnion | XXXX XXXX | XXXX  | XX/XX/XXXX | TransUnion | XXXX  | XXXX XXXX  | XX/XX/XXXX | TransUnion | XXXX XXXX | XXXX  | XX/XX/XXXX | TransUnion | XXXX XXXX | XXXX  | XX/XX/XXXX | TransUnion | XXXX | XXXX XXXX | XX/XX/XXXX | TransUnion | XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX | XX/XX/XXXX | TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | TransUnion | XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | XX/XX/XXXX | TransUnion | XXXX  XXXX | XXXX XXXX XXXX XXXX XXXX  | XX/XX/XXXX | TransUnion | XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | TransUnion | XXXX | XXXXXXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX | TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$420.00}
Product: Credit reporting

I requested a copy of my credit report via Annual credit report. I contacted Equifax on XX/XX/XXXX to correct inaccurate information. The individual updated all of my personal information per my request ; however refused to delete inquiries though I advised that I had not authorized the inquiries and was unaware who those companies were. The representative from Equifax stated that it was MY responsibility to contact the companies who illegally pulled my credit. Though I was upset by this, I did contact each one, that day. They all referred me BACK to Equifax because they had no record of my ever applying for credit with them and stated it was Equifax 's error. I sent a letter via certified mail on the same day, tracking number XXXX which they received XX/XX/XXXX requesting again for a the credit inquiries to be removed because I had not authorized them and per FCRA only permissible purpose for pulling someone 's credit was for a firm offer of credit, insurance, employment or court order. This week, I received another letter from Equifax explaining what credit inquiries are and they were not removing them. I pledge that I have no knowledge of the following credit inquiries that are erroneously being reported by Equifax even after it has been brought to their attention : XXXX XXXX XX/XX/XXXX ( fyi, I have been with XXXX for last 8 years ), XXXX XXXX XXXX XX/XX/XXXX ( please be advised that per XXXX XXXX the XX/XX/XXXX inquiry was a promotional inquiry and that only the XX/XX/XXXX is a hard inquiry because that I when I opened credit with them ), XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX ( XXXX did state that they would provide a letter to Equifax to remove the inquiry since I did not apply ). 
I am requesting that Equifax, immediately remove the aforementioned credit inquiries.