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

My name is XXXX XXXX. I have been a Bank of America client since XXXX. With an impeccable credit record within the bank. 

In XXXX I was the target of a bank scam. Since a person deposited a check to my bank account and Bank of America credited it to my account immediately. 

The person identified with the name of XXXX XXXX made a deposit with check No. XXXX on XX/XX/XXXX from XXXX XXXX to my Bank of America account XXXX for {$9700.00} ( see attached file ). He told me it was a mistake of his assistant. He sent me a copy of the deposit and my bank did too. He requested the return by XXXX. Seeing that the money was credited and available in my account, I assumed that it was really a mistake and I was prodceed to return the money in XXXX transfers through XXXX for the amounts of {$3000.00}, {$2900.00}, {$2700.00} to email : XXXX in the name of XXXX XXXX ( see attached files ). Later, on XXXX, XX/XX/XXXX, the money {$9700.00} was decredited from my account, since the check had been canceled. I notified my BOFA bank, the operator told me that I should write to the FBI and I did ( see attached file ). 

To this day I have never received a response from Bank of America. 

I recently read in the news that US senators are forcing banks to return money to customers because these XXXX transfers are considered authorized by the customer but induced by the bank by showing the customer as available money that has not yet been approved.. 

Also, I have read in the news that in New York, a federal judge forced Bank of America to return the savings to all customers who were the target of bank scams for the benefit fund. 

In this sense, I want to clarify that I am a XXXX XXXX XXXX XXXX XXXX XXXX I work for a XXXX XXXX and I earn my money honestly and it seemed unfair that unscrupulous people carried out this fraud and Bank of America did not issue any communication. There was no response. 

In XX/XX/XXXX I was at a Bank of America banking agency in XXXX, XXXX, I made my claim again and I was practically mocked for what happened to me. 

Attached to this communication all possible evidence and the XXXX Complaint Referral Form, Internet Crime Complaint Center ( FBI ).
Product: Credit reporting or other personal consumer reports

I am writing to address a matter concerning the reporting of a charge-off on my consumer report, which I believe violates federal regulations and established case law. Specifically, I am concerned that the Internal Revenue Service ( IRS ) considers a charge-off as income, and as such, it should not be reported to any consumer reporting agency. As per the Fair Credit Reporting Act ( FCRA ), it is essential that consumer reporting agencies furnish accurate and fair information regarding an individual 's creditworthiness. However, the reporting of a charge-off, which is treated as income by the IRS, contradicts this requirement. The IRS has explicitly stated in various publications and guidelines that a charge-off is considered taxable income. For instance, in Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ), the IRS outlines that cancelled debts, including those resulting in a charge-off, are generally considered taxable income unless specific exceptions apply. This confirms that a charge-off is recognized as income by the IRS. Furthermore, case law supports the notion that a charge-off should not be reported to consumer reporting agencies due to its classification as income. A notable case in this regard is the United States XXXX XXXX case of XXXX XXXX XXXX XXXX, XXXX T.C. XXXX ( 1987 ). In this case, the court ruled that a cancelled debt, which resulted in a charge-off, was indeed taxable income and should be treated as such for tax purposes. This ruling establishes a precedent that aligns with the IRS ' classification of charge-offs as income. Given the IRS ' stance and the precedent set by relevant case law, it is evident that reporting a charge-off on a consumer report is erroneous and may potentially mislead lenders and other entities assessing an individual 's creditworthiness. Therefore, I kindly demand that you take the necessary steps to rectify this issue and ensure that any reporting of a charge-off on my consumer report is promptly removed. I trust that you will address this matter in a timely and appropriate manner. Should you require any further information or documentation from me, please do not hesitate to contact me via the contact information listed on the account. Thank you for your attention to this matter.
Product: Mortgage

My mother died and ive taken charge of making her mortg pymts, but upon notifying bank of her death, bank proceeded in freezing account, which led to insurance company being unable to auto draft pymt, causing insurance policy to lapse. I received 1 notice from bank informing me of this lapse warning it would place its own policy if I failed to provide new policy info by XX/XX/year>. I obtained a new policy and updated lender with it on XX/XX/year>. Now, lender claims I owe an additional {$1200.00} toward escrow which it claims to have added in XX/XX/year>, contrary to the notice sent and in violation of current laws governing notice requirements before it can take such action. I attempted to resolve issue directly but have not receivef a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, a service i had no option to opt-in or opt-out of using, allowed my PII to be obtained by people with malicious intentions. The personal information that was obtained includes name, current address including address history, social security number, state issued ID number, birth date, and more. 

This information is not able to be changed like an email address or password. The impact of this situation will follow me for the entirety of my life.
Product: Checking or savings account

I received call on XX/XX/2024 from a " mediator " claiming I owe U.S. Bank XXXX. He asked to verify my name XXXX street, birthdate, and social security number. Very persistent and wouldn't allow me to talk. Said I was going to be served unless make agreement for payment plan with him right then. He gave me a XXXX  call back number XXXX but original call was from a different number XXXX with my area code. Gave me a XXXX hour decision time or will be served. Would not send me documentation of his claim and Has persistently called me and now my brother trying to reach me. Now a woman is calling claiming same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 item 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: Credit reporting, credit repair services, or other personal consumer reports

Capitol one credit card for XXXX reported no payment made on my account for XX/XX/2021. Attached statement shows payment made and processed in XX/XX/2021 and they still report no payment made for XX/XX/2021.
Product: Checking or savings account

XXXX XXXX hacked account XXXX XXXX Taken Reported next day to chime On or about XXXX XXXX was denied dispute by chime.
Product: Debt collection

I am writing to formally dispute the validity of the debt you claim I owe, as referenced in your communication. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information to validate the debt : The Amount of the Debt : Please provide a detailed breakdown of the total amount you claim I owe, including any fees, interest, or other charges. 
Proof of the Debt : Please provide documentation that shows I am legally obligated to pay this debt, such as a copy of the original purchase agreement or any relevant account statements.

Verification of Your Authority : If you are a collection agency, please provide evidence that you have the legal right to collect on this debt.

Application of Payments : If any payments have been made on this debt, please provide a history of those payments and how they were applied. 

Please provide this information within 30 days of receiving this letter. During this time, I request that all collection activities cease until the requested documentation is provided. 

If you are unable to provide the necessary validation, I expect this debt to be deleted from my records and any reporting agencies you may have contacted. 


Sincerely, XXXX XXXX
Product: Credit card

To Whom It May Concern, I am writing to request specific information regarding the referenced account. Please note that I am not disputing the account or the information currently reported. I am simply seeking clarification regarding the account details. I kindly request that you provide me with the following information : The date of the first delinquency on this account. The date of the last payment made on this account. The date of the charge-off on this account. Having this information will help me better understand my account history and its reporting timeline. I appreciate your cooperation in addressing this request and look forward to your prompt response. Thank you for your attention to this matter. Sincerely,
Product: Credit reporting or other personal consumer reports

There was a {$2.00} balance on my account and I have a card and bank account connected to make payments. My bank account had the {$2.00} available but every time I tried to make the payment on their app I got an error message. I was only able to make my payment after speaking with a representative. Now my account has been reported as XXXX  days late to XXXX, XXXX and Experian which resulted in damaging my XXXX XXXX more than XXXX points due to their error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax and CFPB, I am writing to formally address several serious inaccuracies and misleading representations found in my recent credit report, which contain outdated and unverifiable information that violates my rights as a consumer. I request the immediate blocking and deletion of this account due to these discrepancies. 



The following issues have come to my attention : 1. **Misleading Information** : The report lists an account with the description XXXX XXXX XXXX XXXX XXXX XXXX and indicates a derogatory status. This description is vague and does not accurately reflect the nature of the account, thus misleading consumers about their financial responsibilities.

2. **Outdated and Unverified Data** : The account is marked as " seriously past due '' and shows a payment status indicating " Late 120 Days. '' If this information is inaccurate or outdated, it violates the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reports be accurate and updated regularly.

3. **Inconsistent Account Details** : The report details an account opened on XX/XX/2018 with a balance of {$7300.00}. However, it also states varying payment amounts, which creates confusion regarding the accurate financial obligations tied to this account. 



4. **Inaccurate Payment History** : The payment history indicates monthly payments of {$570.00}, yet the balance reported does not accurately reflect my payment activity. This can unjustly impact my credit score and financial reputation.

5. **Consumer Rights Violations** : The inaccuracies in this report violate my rights under the FCRA, which protects consumers against the reporting of incorrect or unverifiable information. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to dispute inaccuracies and seek validation of debts reported against them. 

In light of these significant concerns, I am requesting the immediate blocking and deletion of this account from my credit report. These inaccuracies pose a detrimental effect on my credit profile and overall financial health. 

I trust that both Equ and the CFPB will take this matter seriously and act swiftly to ensure compliance with consumer protection laws. I look forward to your prompt response regarding the resolution of this matter. 



Thank you for your immediate attention to this urgent request. 



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

Upon Review my credit files, it showed a false account from XXXX XXXX XXXX XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past.
Product: Credit reporting or other personal consumer reports

I applied for a line of credit and was discriminated against. Being as though theyre on my report, I was never compensated as the beneficial equitable title holder. I am at the age of majority, I just want whats due.
Product: Student loan

I went to XXXX Univeristy in XXXX XXXX, IN. I took out private student loans to help pay for school and immediately began repaying them when the loans went into repayment. That was XX/XX/XXXX. It has been nearly 5 years since I made my first payment and my balance has n't been touched on the largest loan I have through AES/PHEASS. When I applied for these loans I was barely working full time for $ XXXX/hour and supporting myself on my own ... very meagerly. However, the lender informed me that if I qualify for {$1000.00} loan then I also qualify for a {$30000.00} loan. That was XX/XX/XXXX. How can being credit worthy for {$1000.00} mean that I 'm equally as creditworthy for {$30000.00} especially at that income? While I was in school it capitalized until it totaled {$45000.00}. I 've been paying more than my statement says I owe, sometimes by as much as {$300.00} ... yet the principal on the large loan still never goes down. 

So I attempted to take action, now I 'm scared I 'm being scammed again. I got a call one day from XXXX XXXX who said he was a financial advisor through XXXX XXXX. He put me in touch with a group saying the loans were predatory ( I agree ) and if I pay half what my loans were for ... their lawyers will prove the loans are invalid and will have them dismissed. Has anyone heard of XXXX XXXX XXXX., XXXX XXXX, or national legal staff support? These are the people claiming to handle my case, and I just recently was sent a power of attorney form to have notarized in case lenders refuse to release information. I am afraid to go forward any more than I already have until I know this is n't a scam. How do I fix the damage I may have already caused myself by following their directions and not paying the lender? 

I feel like without doing something, I will never pay these loans off. Until last month, I 've paid faithfully, and usually more than I owe. I do n't understand how I 'm not getting anywhere when the bill says I owe {$95.00} but I have paid {$400.00}. Where is my money going and if I owe it, why is n't it on my bill!?
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries - Request for Immediate Removal I am writing to formally dispute unauthorized hard inquiries that appear on two of the bereus ( Experian and Transunion ) in my credit report in violation of 15 U.S. Code 1681b and 15 U.S. Code 1681n under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified the following inquiries that I did not authorize : EXPERIAN XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX via XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX Credit Card XX/XX/XXXX XXXX. XXXX XXXX Credit Card XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX of XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX According to 15 U.S. Code 1681b, consumer reporting agencies may only provide credit reports for specific permissible purposes, such as with my direct authorization or in connection with a legitimate credit transaction. I did not grant authorization for the above-listed companies to access my credit report, making these inquiries a violation of my rights under the FCRA. Additionally, per 15 U.S. Code 1681n, entities that willfully obtain a consumer report under false pretenses or without a permissible purpose are subject to legal liability, including actual and statutory damages, punitive damages, and attorneys fees.
Product: Debt collection

They contacted me and identified the debt amounting to {$310.00} and I never received information to verify and validate the debt.
Product: Prepaid card

Filed a dispute for transactions that were not mine and was denied and the documents the transactions on my account that was disputed was not consistent with my purchase history
Product: Mortgage

I was told by a friend that you helped that has a similar situation. I was convicted of aiding and abetting my parents loans. Yet the court ordered restitution against only me. Approximately $ XXXX between Chase Bank and XXXX XXXX  XXXX Yet under XXXX. It clearly states that unless they were the direct or proximate victim. They are not entitled to a windfall. Given that XXXX was awarded XXXX assets for less than a XXXX on the dollar. Yet they already made over a XXXX dollars on the loans in question. This is a case that went to the Supreme Court, Robers v. US. I have the same problem with a minor loan that was with XXXX XXXX, taken over by XXXX XXXX. I have argued this on my XXXX XXXX. Yet the court refused to rule on this. So my friend said that you helped him on a similar problem and suggested I contact you. I would be very happy if you could be of help, as this burden is keeping me from moving on with my life. I have finished my sentence and was released. Sadly my XXXX XXXX XXXX attorney failed to ask for a forensic analysis to prove this.
Product: Credit reporting or other personal consumer reports

Hi, I am a victim of identity theft and I was just on the phone with XXXX XXXX XXXX they told me this fraud account shall delete from my credit report. I never have any knowledge about this fraud and nothing is correct about this account.
Product: Checking or savings account

During the initial fraud claim investigation with Chime, which took two days, I received an email stating that there was no error found, and the case was concluded. However, upon requesting the documents that led to this conclusion, Chime provided only the questions that their agent had asked me regarding the fraud. The documents lacked any detailed information about their investigation, including the evidence or proof that supported their decision. This information was notably absent in the email I received from Chime.

As a result, I requested Chime to reinvestigate the matter. I have since uploaded a police report, along with time-stamped evidence that confirms I was at a XXXX store at the time the fraudulent transactions occurred. I also provided the contact information of the XXXX employees who can verify my presence there, which directly corresponds to the time and location of the fraudulent activity.

I am still awaiting the details that led to the denial of my claim. It is important to note that it seems highly unlikely for a thorough investigation to be completed within just two business days. I have also asked to reopen the case as well On XX/XX/year> I have been a loyal Chime customer for over three years and have always been satisfied with their service. This is the first time I have experienced fraud on my Chime debit card. I use Chime for important transactions, including receiving my federal tax refunds via direct deposit, and I have maintained a positive account history.

Given the significant amount involved in this claim, I am committed to working with Chime to recover the lost funds. While I would understand if the dispute was over a minor amount, the sum in question is substantial, and I will not give up on pursuing a resolution. I am eager to collaborate with Chime to ensure that this issue is resolved, and my funds are restored.
Product: Credit card or prepaid card

Citibank, credit annual membership fee of {$50.00} charged. I paid it on XX/XX/XXXX. They claim I was 3 days late. Rarely use the card. they charged a late fee of {$29.00}. They then charged a late fee on the late fee of {$30.00}, giving a total owed of {$59.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX
Product: Student loan

I have had several issues with Navinet. I could not afford my payments they sent it to collections without informing me. It went on my credit and is still on my credit saying I 'm am not current and I am because if I did not set up monthly payment plan they would take me to court did not ask me to provide any financial information all they wanted was my bank account information. They get their money every month automatically while I could use that money to provide food for my kids. Customer service is a joke there they do n't listen or care to know what is going on. All they want is money every month. I have been trying for almost two years to improve my credit but ca n't because of how they have it listed on my credit. I receive a monthly statement from them and even though I pay monthly it is still has not decreased like it should. Its frustrating knowing I pay monthly and not get any where because of how they apply my payments. The very sad part was I did n't even know I had a loan until 3 years ago. I enrolled to a collage online. I never received any money. Or infrormation about it at all to help pay for my classes. The collage took it all and I had to drop out because I simply could not afford it. The collage wanted me to take a loan out and I said no. The next thing I knew I received a letter saying I owe money