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

On XX/XX/2020 XXXX California time XXXX XXXX, a remittance center, got hacked and saw emails that I sent a total amount of {$2200.00} in a bank account in the XXXX  without my authorization. There were a total of 17 transactions that were processed without my knowledge ( and as I was sleeping ). The hacker sent {$120.00} x 4 named through my sister, and {$130.00} x 13 transactions named through my auntie into a ONE bank account in the XXXX. I was told by my sister in the XXXX that she got multiple text messages about how I sent money multiple times, but it wasn't towards her account. It turned out that the hacker used my auntie and sister 's phone number and address, and use their own hacker 's bank account and name to receive the money. 

I escalated the issue to XXXX and I was told that they guaranteed that they will give my money back. During the phone calls, they found out that my one-time passcode was XXXX by the hacker, hence why it did not prompt me for log-in back, and that 2 login attempts in 2 different parts of California were recorded ( one in XXXX, one in XXXX XXXX ). After hours of call with them, they said they will be working with my Bank of America regarding this issue. 

After the call with XXXX, I filed a claim in BofA through call and told them about this incidence. I was told that they will do my best regarding this situation, and will try to resolve it in 10 days. 

Today, XX/XX/2020, they closed my claim and denied it. They said that : " Our records show the transaction activity in question was authorized and posted correctly to your account. '' The problem is that at XXXX XXXX  on the morning of that day I was hacked, I was sleeping. 17 transactions were made multiple times and how come that did not flag BofA. On top of that, they charged me with monthly maintenance fee because of my account balance being below {$1500.00} a few days ago. 

I have attached the transactions in this e-mail
Product: Credit reporting, credit repair services, or other personal consumer reports

So I was told by a friend to check my credit report directly through the credit bureaus instead of monitoring everything through credit karma. It was easy with XXXX and XXXX but Equifax  has been a nightmare. On XX/XX/XXXX I signed up with Equifax and is has my information all wrong. My social isnt correct and my date of birth is wrong too. I tried calling into customer service and they told me on their end they see that everything was correct and that I shouldn't worry. A week later and I noticed that my XXXX XXXX wasnt updating on my Equifax side so I called in again. The rep told me they would escalate the issue and give me a call. I never got a call back so I tried doing a dispute through the online system. Ive uploaded my license and my social security card to show proof of my correct date of birth and correct social security number. The system says that the dispute was completed but I dont see any change and I didnt get anything. Ive tried to do the same thing on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

Real Time Resolutions is reporting to the credit reporting agencies on a previously settled/paid debt with a different collection agency. Real Time Resolutions ( RTR ) is claiming to have an installment loan I previously had with XXXX. This installment loan was previously sold to a different collection agency ; XXXX. Real Time resolutions is claiming to have said loan when the loan they are claiming to have was already collected and settled between XXXX and me. I settled with and completed payment in XXXX XXXX. A settlement was negotiated with XXXX in XXXX by XXXX and myself.. the first XXXX payments were made as follows by XXXX with the remaining made directly to them by me as the was a disconnect between the agencies. The total settlement changed from {$2000.00} to {$22000.00} due to the mix up in payments. 

XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$1000.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$450.00} I received a settlement agreement letter from XXXX dated XXXX/XXXX/XXXX for a total settlement of {$2200.00}. RTR has no right claiming or reporting that I owe them, I have paid this debt and will not pay again on an invalid claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB THIS IS NOT A DUPLICATE :
Product: Credit reporting or other personal consumer reports

Hard pull on TransUnion XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX XXXX XXXX Requested on : XX/XX/year>
Product: Credit card

I wo n't go into it but citi pulled XXXX and denied based on my number not being on my fraud alert. XXXX XXXX conjectured that she could n't remove the inquiry but I applied again when confirmed physically by experian that the number was reporting. This time they demanded XXXX. Classic bait and switch, I RSVP to the XXXX CFPB meeting for the public and I have lots of documents to handover on consumer protection violations. Citi needs to learn Dodd-frank and refrain from attempting to school me on it, XXXX charlatans as they are now want Equifax go figure sounds like ECOA violation retaliation because I filed a dispute. In contradiction to the CCPA.
Product: Debt collection

Bank of America has charged my XXXX XXXX account {$XXXX} and I have no clue what this transaction is about. 

I am not a Bank of America XXXX. 

$ XXXX XX/XX/year> Business to Business XXXX Bank of America XXXX XXXX I tried to contact the Bank of America XXXX and also sent a letter in writing but they did not take my complaint over the phone and have not responded to my letter.
Product: Debt collection

This morning at XXXX XX/XX/XXXX, I received an email from Radius Global Solution LLC at XXXX. Stating that they are attempting to collect a debt of {$2200.00} from XXXX XXXX XXXX. Radius Global Solution # XXXX. From XXXX & XXXX account # XXXX. Apparently I owed XXXX XXXX XXXX  {$2200.00} back in 2011 ( 12 years ago ). Radius tried to intimidated me to pay up. I told them that I don't have an account with XXXX XXXX XXXX and never had a account XXXX XXXX XXXX in the past either. I have been with XXXX and transferred over to XXXX, went XXXX was bought out by XXXX. I'm still with XXXX. I asked the representative with Radius Global Solution to have me XXXX XXXX XXXX phone number. They gave me different number Stating with " XXXX '' not XXXX & XXXX customer service number. I had to XXXX it. Reached XXXX XXXX XXXX Global Fraud Management team. XXXX XXXX XXXX I have reach out to XXXX XXXX XXXX  and they have gave a a case # XXXX. XXXXadius Global Solution asked for my for my new address so the can update in their system? And send me a dispute forms to provide them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX continue to report inaccurate information on the account known has XXXX  XXXX XXXX. The account is charged off which means it is now a cancelled debt which per the IRS is considered a certificate if indebtedness which income can not be reported. 

The reporting agencies are reporting several inaccuracies. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$520.00} {$0.00} {$350.00} Credit Limit : {$350.00} {$350.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian and XXXX are reporting late payments from XXXX XXXX XX/XX/XXXX and Experian reports a late payment for XX/XX/XXXX. 

Experian is reporting a collection for XX/XX/XXXX XXXX is not reporting late payments are collection. 

None of this account information matches therefore this account has not been properly reported or verified.
Product: Money transfer, virtual currency, or money service

XXXX was used to transfer money to a recipient for securing a lease on a property. Bank of America claims the service is safe and secure. 
The money was directly transferred and the recipient disappeared. Bank of America is stating there is no guarantee money will be returned and will likely take 45 days or more to make that decision.
Product: Credit reporting or other personal consumer reports

This complaint is against the credit bureau company 's ; Transunion, XXXX and XXXX. The information they give for your credit scores is ridiculous and contradicting. One will say my score is this, then the other we show a different score. I've been working on my credit for a year and can't get anywhere. One shows that my score dropped over XXXX points because my credit usage went up 2 %, how is that even legal. Seems as if they pick and choose who they want to have good and bad credit. The whole system is a money scandal and a fraud.
Product: Money transfer, virtual currency, or money service

Zelle gave no real way to make sure I sent money correctly.
Product: Debt collection

XXXX XXXX debt collectors incessantly called me during the months of XXXX and XXXX 2013 to collect on an alleged Bank of America credit card debt. I remember these repeated calls as annoying, aggressive, intense and oppressive. All of these calls took place while I was attempting to work. 

XXXX insisted that I had to settle my alleged debt before the end of the month or the settlement talks would end. It appeared, based on their aggressive and oppressive behavior, that they were indeed desperate. Therefore, I better settle the alleged debt by the end of the month or the endless and degrading phone calls would never end. 

The calls, to my recollection, started with the initial collector who was rude and aggressive and tried to force me to settle the alleged debt at a price that I was unable to afford. Then I was moved around between different " levels '' of surly and degrading debt collectors. This culminated in a high pressure settlement on XXXX XXXX, 2013. ( See the attached letter from XXXX XXXX, dated XXXX XXXX, 2013. ) As I state below, the only reason I paid the alleged debt was to end the incessant and harassing and oppressive XXXX XXXX phone calls.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, Experian consumer reporting agency received a reinvestigate notice of dispute request. To my dismay nothing happened. I have proof that Experian received my letter but did not reinvestigate any of the accounts mentioned in the notice of dispute that Experian received. As a result of this negligence, I have been unable to make significant consumer credit transactions, obtain loans, or credit cards for that matter. I have actual damages because of Experian 's negligence, and I have been in emotional distress. The only thing that was disputing prior to them receiving my letter was personal information done through their website. Pursuant to The Fair Credit Reporting Act 15 USC 1681e ( a ) ( b ) and 15 USC 1681d ( b ). Experian has an obligation and is required by law to investigate upon notice of the request. Experian is now liable per 15 USC 1681o civil liability for negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date opened on this account is incorrect across the three credit bureaus. One states Date Opened : XX/XX/2019 and another states XX/XX/2019. According to FCRA 100 % accuracy is required. Lastly I have never been late on this account validate this erroneous statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, & XXXXXXXX XXXX : Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX bank Account # XXXX has violated my rights. 

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

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$9000.00} ; XXXX  XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX The credit bureau reported information on my credit report that they have been unable to verify and that I have not consented to. 

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

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. 

I requested an investigation into the account and the credit bureaus have failed to provide me with any verification of this account. I can not trust the accuracy of this reporting with several inconsistencies in the alleged information. If this account is truly accurate, the information reported across all bureaus ( including the date last active and date last reported ) would be an exact match. 

Because of these inconsistencies I specifically requested the contract, note, or any other instrument bearing my signature. I requested bank transactions that belong to this company that would prove my payments were not accepted on time. As part of the verification investigation, I also asked for the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Again, the credit bureau was unable to provide any of these items or any other documentation verifying a thorough investigation was completed. 

As a result of this unverifiable information, I request that the reporting of this account be removed from my credit report.
Product: Checking or savings account

I am writing to inform you about an issue I encountered with the Bank of America branch located at XXXX XXXX XXXX XXXX, XXXX, CT XXXX on XX/XX/XXXX. I deposited a total of {$4200.00}, consisting of XXXX {$20.00} bills and XXXX {$10.00} bills, into my account, but only {$4000.00} was credited to my account. 
First, I put some cash into the ATM ( ATM ID : XXXX ) in that bank at around XXXXXXXX XXXX but it was no much for one transaction, so the ATM gave me some cash back. There was something wrong with the machine. It roared for about two minutes and gave my card back, and did not provide a receipt or display the amount deposited.Thus I didn't know how much I saved to my account, and I didn't count the remaining money. 
Second, I went to the bank teller counter to complete the transaction. I gave the remaining cash to the male staff, who put it into a currency counting machine and told me it was {$2500.00}. The receipt shows that I saved it at XXXXXXXX XXXX 
Then I left the bank. I checked the mobile app on my phone and noticed that they only saved {$4000.00} ( {$1500.00} from the ATM and {$2500.00} from the teller counter ) to my account, leaving a discrepancy of {$200.00}. I asked the male staff in the counter who saved for me, but he insisted that I had only given him {$2500.00}. 
I kindly request your assistance in crediting the remaining {$200.00} to my account. I have only the receipt from the teller counter.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

on XX/XX/XXXX I submitted a application for a refinance on loan I have with citizens one bank for which I have a mortgage with now. this a new complaint for an old problem I have a claim # XXXX I was told that I would need to have permanent income to qualify for a refinance because I was on temporary workmens comp income. I was deemed XXXX in XX/XX/XXXX, also I have a pension and rental income I sent XXXX XXXX this income imfo and we did a loan app. I had to supply all kinds of documentation which I did. then I was told once everything was accepted I would need to submit either credit card or debit card so they would be able to pay for appraisal. I was told they would not take money or order appraisal if my loan looks like it was not going to be approved. this is XX/XX/XXXX during the month all was well, looked like they were going to approve my refinance. but then they kept emailing me for documentation I had already sent to them, I questioned why you did n't have this because I know I had sent it. now we at the end of XX/XX/XXXX I was asking when were we going to close all I got was robo type answers from XXXX XXXX. his prepared statement was that he would check into it shortly unfortunately his shortly was 2 weeks. when I asked about why I had to send duplicate imfo he submitted the same robo answer. so I emailed him back and replied that your shortly is 2 weeks or no response at all. then on XX/XX/XXXX I got a called from XXXX XXXX to imform me that my refinance was denied after all this time, he knew it was denied before me, then he went into my account on XX/XX/XXXX and took the appraisal fee when the time to withdraw it from account it had expired. just like I had so much time to submit my documents if I did not submit them in time the loan would be cancelled. this is bad business and borders on criminal. this time there excuse for not refinancing me is that my rental properties looks like a loss on paper from my taxes. for real!! these people are bankers they know how that works I showed XXXX the same taxes when they refinanced XXXX houses for me they knew when you file your taxes sometimes it shows a loss but that does n't mean you are not able to handle responsibilities I 'm sure they have a lot of investors such as myself that they refinanced and did first mortgages for this is how banks make money.
Product: Debt collection

On XX/XX/2018, I have proof that a payment was made to XXXX XXXX XXXX XXXX for {$110.00}. I have tried to resolve it with XXXX XXXX XXXX XXXX, but they referred my account to a Collection Agency by the name of XXXX XXXX, who is threatening me and stating they are going to file a negative report to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. This was done on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Please help with this important matter. Another fraudulent inquiry was alerted to my cell phone. I am not liable for this inquiry please remove as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My father was contacted and told I had a debt. They told him that he needed to inform me. Then they turned around and contacted my mother, who is not married to father and I have no relationship with. She was also informed that they were a debt collector trying to collect a debt and that they needed to get in contact with me. My mom was very upset as she said they were demanding and rude. They explained I owed money.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : $ XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$460.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$3400.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX
Product: Debt collection

The synchrony Bank and Paypal stole money from my personal checking account which only contains XXXX direct deposit benefits which are exempt. They were stealing XXXX per month and this went on for no less than 2 years. They had no court order and did this while my access to Paypal Credit was blocked by paypal the Bank was taking the money from Paypal as the bank had no info to do this but the partaking in this makes this a crime. Conspiracy is a very serous charge in the stealing of protected money without a court order. 
Then They never took the amount they stole from my Paypal credit balance. Now they report this amount to the IRS and that is false reporting of money not owed and disputed. I will be contacting XXXX XXXX as this is wrong XXXX on a XXXX that is false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
These fraudulent credit inquiries were made by the following companies : Inquiries : 1. XXXX XXXX XXXX on XX/XX/2022 XXXX. US SM BUS ADMIN ODA on XX/XX/2022 XXXX. US SM BUS ADMIN ODA on XX/XX/2022 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally this unverified & unauthorized item MUST be removed!! 
I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

My contact information is as follows : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft