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

To whom it may concern, I have been banking with Bank of America for close to 3 years.

I have requested my claim to be looked at 3 times now, all 3 times they have closed, and not paid me back.

Two transactions of {$500.00} equaling {$1000.00} have been FRAUDUENTLY deducted from my checking account from XXXX  to bitcoin. 
As I explained to the first and second representative I spoke with I woke up Friday XX/XX/2021 to {$1000.00} GONE. 
Someone hacked into my XXXX  account and withdrew 2 {$500.00} payments from my checking account to my XXXX  account, put it into Bitcoin than immediately withdrew the funds.

I wrote XXXX  support to report it I got absolutely no help they gave me the run around. I called my Bank ( Bank of America ) who is SUPPOSED TO SECURE and PROTECT my account.

I did not get any alerts asking if I approved this transaction, nor any phone calls verifying if this was my transaction. I am very upset with the service I have received thus far.

MY FAMILY AND I HAVE BEEN FINANCIALLY AND EMOTIONALLY AFFECTED BY THIS FRAUDULENT activity that my bank ( bank of America ) did NOT PROTECT ME FROM.

From what I have been told the reason for denial was- 1 : Due to my account not being drained- it literally was, my deposit was {$1000.00} on XX/XX/XXXX. 
If there was enough in there for the scammers to pull another {$500.00} than XXXX sure they would have taken that too. 
2 : 2nd reason was because I used XXXX before- OF COURSE I HAVE USED XXXX! 
But! NOT FOR BITCOIN. I have sent an attachment to the bank of all transactions I have made through that app and it CLEARLY showed that NEVER have I purchased from Bit coin.

Also as you can see in the screenshot these people transferred the balance immediately out of Bitcoin.

I need my HARD EARNED MONEY Refunded now!!! 

As soon as I get this resolved I am closing this bank account with BANK OF AMERICA. I refuse to be treated as though I dont matter. 
I have called and asked for help multiple times and this bank clearly does NOT value their card holders. 

If I need to go the legal route trust me I will as I will not let some fraudster take MY hard earned money that i work hard for to support my FAMILY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Identified Issues : 1. Bank of America Revolving card ( loan ) has been issued by someone under my personal information in XX/XX/XXXX with the debt of approx {$9000.00}. 
2. someone has been paying back on the bank of Americal Revolving loan since XXXX and still active with $ XXXX bebt. 
3. someone stopped the payment since XX/XX/XXXX which negatively impacted on my Credit score. 

Actions taken so far 1. I visited Bank of America branch > Financial Advisor in person and identified that I've never issued the bank account under Bank of America and they confirmed that they can not find any history of Revolving loan 2. Frozen my bank account or credit card issuance by calling all three credit bureau
Product: Credit reporting or other personal consumer reports

Please consider this as my formal complaint to the GENESIS CREDIT MANAG for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/2024, with the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report this is the fraudulent account still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Debt collection

Upon reviewing my credit report as I do on a monthly basis, I noticed on XX/XX/XXXX new activity in the form of a collection from KINGSTON DATA & CREDIT INTERNATIONAL INC . Puzzled as to why negative information could be reporting on my XXXX  Report, I found out the original creditor was XXXXXXXX XXXX XXXXXXXX and the negative info was associated from an old Gym membership which has not been active for more than 4 years. In XXXX of XXXX I contacted and had a lengthy conversation with my local XXXX XXXX XXXX and expressed that I wished to cancel my membership. I explained that I had to abruptly leave the country for work and was told by the XXXX XXXX employee that because of my situation she would accept cancellation by phone. I provided my contact info, and date of birth and the employee said she would initiate the cancelation and send me confirmation to my email. Following that day in XXXX of XXXX, I had not received any notification of a balance owed. No attempt was made in any form from XXXX XXXX to contact me within a 4 year period to inform me that any balance was owed or a contract was left unsatisfactory. Upon discovering the collection from Kingston Data, I requested documentation verifying the outstanding debt but nothing has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 604A Sec 2 : Also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC Cose 1681a : Rules of construction Exclusions-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences the between the consumer and the person making the report.

15 USC 1666B A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.
Product: Credit card

I have tried on numerous occasions to communicate with American Express regarding their fraudulent accounts. I have also filed a complaint with the Federal Trade Commission against them. I also spoke with American Express on XX/XX/year>, regarding an account that was t was opened on XX/XX/year>. It is stating that the account is current with an outstanding balance of XXXX. When I spoke with the credit bureaus, they stated that American Express said I agreed to make payments on the account. I never made such a statement, nor have I made any payments that would suggest that I have an agreement with them. When I spoke with American Express, I informed them that the account was opened at a time when I was in pXXXX  I was not XXXX until XX/XX/year>. 

American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have included my original disputes with this company along with a copy of my XXXX XXXX XXXX. I respectfully request that this company be investigated for failing to honor my request that the account information be removed from my credit reports because it is fraudulent and damaging my credit report.
Product: Mortgage

On XXXX, I received a letter from Mr.Cooper stating my flood insurance has lapsed and I must provide flood insurance. I have flood insurance escrowed in my monthly payments and they have paid this insurance every year since they bought my loan from XXXX XXXX XXXX. 
PLEASE REFERENCE : XXXX cfpb complaint from me about Mr.Coopers XXXX XXXX XXXX XXXX behavior towards my situation. You folks helped me rectify that and I am thankful. NOW they are attacking me and not paying my flood insurance, I am sure forced coverage will be put on my loan shortly at an extremely inflated price. All this is because I asked for your help to save my home from foreclosure.On XX/XX/2021 I called the customer help number, the woman, XXXX, said that they had paid the flood insurance dated XX/XX/2021, and she would email me the proof. I told her I was in their website and in the escrow section and no payment s were showing to have been made. she assured me they had been made, I waited on the phone with her making small talk for XXXX minutes waiting for the email, she had to leave the call and assured me it was coming. It never came, no proof of payment.PLEASE help me get thru this, I am looking at a refi but no one will do it until I have made XXXX payments after the forbearance, I have to get thru XX/XX/2021, then I am getting away from these scoundrels!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an account with this creditor. I have disputed this account on several occassions 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

In XX/XX/XXXX, I ran my credit report through XXXX. 3 accounts were on my account that show date account opened and closed with no activity reported. The dates closed respectively are XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, ell well over 10 years old. I called XXXX, was told to submit a dispute request and they would investigate the accounts. At the end of XX/XX/XXXX, I was notified XXXX  finished its investigation, but would not take the accounts off. Reason : due to Customer Dispute, the 10 years changes to most recent activity date ( my dispute ) and the accounts would stay on the report. First and foremost, these accounts were not mine primarily, they were joint accounts dating back to when I was married. Since being divorced over 10 years now, there is no reason it should stay on my report. It is reducing my credit score for no good reason and immediately needs to be removed.
Product: Credit card or prepaid card

I just received by email a copy of account summary from accounts Netspend decided to transfer to one account. 
Netspend refuses to allow me disputed unauthorized transactions on charges I just became aware. 
Netspend also refuses to provide a provisional credit within 10 business days of unauthorized transactions they did allow me to dispute on my current card. 
Netspend did credit my account for prior unauthorized charges but did not credit me their arbitrary and capricious transaction fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

This isnt my first complaint/review. After several disputes and attempts to reach XXXX, I got an email from them AFTER ( 4 years of avoiding and not returning my calls ) I started assessing law firms to take my case. I brought this concern up with two of the law firms, and now they wont reply. I can only presume that ethical laws were bootleg and my information and intent was shared with XXXX ... which invoked the email. 

XXXX XXXX XXXX, a corrupt company that XXXX  partners with, has violated my personal rights via the following acts : the Fair Debt Collection Practices Act ; the Fair Credit Reporting Act ; the Civil Rights Act of 1866 ; The Fair Housing Act ; Americans with Disabilities Act ; and the The Equal Credit Opportunity Act.

I have, Under FRCA 611 ( a ) disputed the completeness and accuracy of the information being reported to all credit bureaus. Per the formal investigation process under FRCA 611 ( a ) ( 2 ), the following is suppose to take place by law, yet XXXX  has already responded with XXXX XXXX inaccurate response. The process states that, all relevant information regarding the dispute is to be sent to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your re-investigation within 30 days of the date of this letter. 

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true re-investigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

As you may guess ... NONE of these laws have been adhered to by XXXX, and I will need to take further action towards the bureaus that have not followed the law. 

This is an update on an ongoing process. XXXXXXXX email started that we should talk ... lets find a solution. The solution is to follow the law and due diligence of the process. I am not certain that XXXX knows that XXXX XXXX XXXX filed this inaccurate account, was paid with federal funds by the Department of Veteran Affairs and the Military Family Relief Fund ( MFRF ). Paid the lease out 19 days ( prorated ) in advance, which they did not return the fund or deny them. Only a month later, I got a erroneous bill, after I had already received my checkout list and deposit amount owed. 

I can only presume that XXXX knows and is enabling, reinforcing, and complicit in breaking the law.
Product: Student loan

Aidvantage is requesting repayment for a loan. Before I send any money to them I would like proof that such payment is owed. 

In accordance with Holder In Due Course Rule UCC 3-305 ( e ) ( ii ) ( HIDC ) the person obliged to pay the instrument has a defense, claim in recoupment or claim to the instrument that may be asserted against the person who granted the security interest, the person entitled to enforce the instrument may assert rights as a holder in due course only to an amount payable under the instrument which, at the time of enforcement of the instrument, does not exceed the amount of the unpaid obligation secured. 

I am asserting my rights as the holder in due course of any rights, interest, dividends, proceeds, and profits made from the promissory note, application or commercial instrument involving the consumer credit transaction with Aidvantage. 

I am demanding answers to the following : 1. Was the promissory note sold to a special-purpose vehicle or trust?

2. Has the note/commercial instrument been securitized?

3. If the note has been sold, how much profit was made from the sale?

4. Is the applicant entitled to the profits made from the sale of the note?

5. Is the promissory note considered collateral security?

6. Did Aidvantage provide full disclosure as to the consumer credit transaction with the applicant?

7. Is Aidvantage in possession of the original promissory note and can provide proof of such on request? 
8. Did Aidvantage loan me any money?

9. Is Advantage authorized to loan money to applicants?

10. Can Aidvantage show documentation that money was debited from their bank account and given to me?

11. What species of payment is Aidvantage requesting for repayment?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. Thank you.
Product: Debt collection

Date : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX XX/XX/2018
Product: Checking or savings account

Chase Bank has closed my checking and saving accounts without my consent. When I ask the reason, they refuse to give me the reason. I have even called the bank 's headquarter and still don't give me a reason or explanation.
Product: Checking or savings account

My wallet was stollen and when this happen the thieves tried to cash a check ( to my name ) using my ID and credit card associated with wells fargo. I had already turned off my cards at this time because I suspected it was stollen. A bank teller at Wells Fargo allowed the thieves ( who look nothing like my ID ) to process this check. It was then returned and charged to me a few days later. ( {$2500.00}. ) Which is now leaving me fighting Wells Fargo and out my {$2500.00}. 

Wells Fargo keeps dismissing my claims because they said the people ( Thieves ) had the correct forms of ID to process this check. ( Again, though they don't match the ID or description and my cards were turned off for stolen at this time. ) I am incredibly frustrated as I have been fighting Wells Fargo for nearly one month at this point and would like my money back as it was due to the incompetence of one of their employees this was processed in the beginning. 

( I have filed numerous police reports, have detectives working on the case, and have surveillance footage of the thieves. )
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Chase Bank regarding an inaccurate credit card debt of {$11000.00} on my credit report. I have disputed this three times, yet Chase continues to verify the account without providing proper validation. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) as the information is inaccurate and unverifiable.
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. XXXXXXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX. XXXX XXXXXXXX XXXX, Account # 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 a account without my written instructions
Product: Vehicle loan or lease

Sovreign Being= UCC 1 form # XXXX has been approved on XXXX, authentication of my birth certificate House Resolution 192 full access public law 7310 to discharge all debt 31 USC 5118 Discharge all debts and does not have to be in legal tender 15 USC 1602G We the consumers are the creditors 42 USC 408 asking for social security number on any credit transaction or loan is illegal, no lawful money UCC*3 104 12 USC 143 banks can not loan any money because they are the barrowers
Product: Vehicle loan or lease

On or about XX/XX/XXXX, I sent a check for {$30000.00} to Ally Financial for the remaining balance of a leased XXXX XXXXXXXX XXXX XXXX XXXX. The check was for the remaining purchase price of the car as agreed upon. Ally was suppose to send me the original title, the bill of sale and the lien release form so that I could retitle car in my name and place XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX as the lien holder. I agreed with XXXX XXXX  to refinance the car at a rate of XXXX % and a monthly payment of {$630.00} per month. This amount was {$85.00} less than the {$720.00} per month I paid leasing the vehicle from Ally. However, this deal was predicated upon me getting the title and retitling the car in my name, placing them as lien holder and sending the title to them for holding until I paid the car off. The problem is that Ally never sent the title to me or to XXXXXXXX XXXX although they claim they did. I asked for a tracking number but they could not produce XXXX. Ally claimed next they sent the title to XXXX XXXX however that was not the truth and XXXX XXXX never received it. Ally finally concluded as I had already concluded the title was lost. Ally stated that I could use a certified copy of the title to get the car retitled so they sent me XXXX but the State oXXXX XXXX XXXX DMV would not accept a certified copy of a title and demanded that I get the original or a duplicate title to retitle the car in my name and place XXXXXXXX XXXX as lien holder. I translated this message to Ally but to no avail and they simply told me that I could take the XXXX XXXX XXXX, the XXXX Holder Release and a Power of Attorney for Ally From XXXX XXXX ( the owner of record according to the DMV ) and that would be sufficient, it was not true and NCXXXX stated the same or if XXXX XXXX who at this time had submitted a form to the DMV to remove their name from the title. It has been over XXXX  months since I paid this car off and I still have not received a title from Ally Financial. This is very disheartening and unappreciated from a loyal customer who made every payment on time while in a lease with them. I reached out to Ally Corporate to file a complaint, their representative called me and took my information but nothing has happened and I am stuck in Limbo with a car, no title and my rate has been increased to XXXX  % by XXXXXXXX XXXX, my new payment is {$880.00} per month and I have had to work with XXXX XXXX from XXXXXXXX XXXX to try and get my rate back and lower my payment. I received a call from Ally Financial ( XXXX XXXX ) and she stated that herself and others are still trying to get the title released by XXXX XXXX, it has been well over XXXX months and I am still without a title.