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

I sent {$500.00} through XXXX and {$250.00} through XXXX XXXX for concert tickets on Saturday XX/XX/XXXX. I sent the money ; however, I never received the four tickets I purchased. I bank with Bank of America. Bank of America awarded a temporary {$250.00} credit to my account, but has not given any refund for the {$500.00} XXXX transfer. 
Bank of America has treated me horribly. Ive spent close to ten hours on the phone with B of A for this situation to have no resolution in getting my money back. 
Initially, when I explained I didnt receive my tickets to representatives, I was told Id get the money back once I reposted the claim. Then, I was told that I wouldnt get my money back because XXXX isnt protected. 
I asked and was transferred through multiple departments and supervisors to pull the call saying that I would have the money refunded to my account only to be told staff would be retrained, but theres nothing Bank of America can do. 
This is a disgrace and is absolutely unacceptable. 90 % of the Bank of America employees could not care less about my situation or helping me. I let them know that as my bank, they should protect me against scams and in these situations and they would say theres nothing they can do. I paid money and didnt receive my merchandise. Instead of helping me, Bank of America and XXXX are refusing to help me and are letting scammers profit and continue getting away with their illegal activity. 
XXXX XXXX  is the scammers bank, and they also offered zero help and refused to cancel the payment. 
A police report has been filed, but the money is only able to come back from the bank or XXXX.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX Account Number : XXXX Bal : {$4900.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$300.00}
Product: Mortgage

I asked Bank of America if they would take the private mortgage insurance off my loan. I met all the criteria, no late payments in five years, more than 20 % equity. Bank of America denied me because I had refinanced within those five years. Heres the thing, I refinanced with Bank of America. Further more, it was with the same mortgage loan officer, I got the original loan with, XXXX XXXX, phone number ( XXXX ). They said my five years would be from my new refinance date in 2012. I was never informed that I would have to start all over again. All I want is the PMI taken off my loan. I bought my home for {$270000.00}, and it is worth at least {$450000.00}, thats at least 60 % equity. I am a XXXX vet and we should not be treated like this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I applied to XXXX XXXX for an auto loan. My daughter XXXX XXXX and I applied as co-buyers and were approved for a loan for up to {$35000.00}. 

On XX/XX/XXXX, we went to XXXX XXXX to look at a car that we saw online. 

At the agency, we indicated to the selling agent, XXXX XXXX, that we already had XXXX XXXX financing approved for the vehicle. However, the salesperson indicated that they were going to try to get less expensive financing and asked us to wait until they checked. However, my daughter and I were unaware that they were doing hard credit inquiries as we waited for them to come back, but the sales person, who had our application announced that they were going back to the XXXX  XXXX offer that I brough in since they could not find a better deal for my daughter, XXXX, and we indicated that we told them that from the start -- that we already had XXXX XXXX approval for me at {$35000.00}. We purchased a XXXX XXXX from them. I am attaching the images of the agreements if you need them. 

However, several days later, my daughter, XXXX and I received credit rejection letters regarding financing for the XXXX. Recently, when I looked at my credit report, I was surprised to find two ( 2 ) hard credit inquiries. My daughter found seven ( 7 ) on her credit  report. We are complaining because we don't recall giving XXXX of XXXX any consent or authorizations to do any inquiries, especially hard inquiries, as we already had our financing available with XXXX XXXX, which we processed ourselves. 

I am attaching a copy of the screenshots of mine and my daughter 's hard inquiry information as it appears on our credit bureau report.
Product: Checking or savings account

Compass Bank where I have had a business account for over 11 years has no security to protect my account from fraudulent multiple cashing of the same check number multiple times for different amounts. If they had even a basic level of security this would have stopped what turned into 22 fraudulent checks cashed by mobile banking for {$44000.00}. 
Compass " no security '' Bank as I now refer to them had 5 chances in the beginning of this fraud to stop it in its tracks, over 30 people I spoke to were shocked that Compass " no security '' bank can not detect when the same check number is cashed multiple times for different amounts, that should ring bells shouting that there was a huge problem. 
There is a huge and growing problem with mobile banking that is not being communicated in any way to account holders that their checks can be cashed multiple times. I never knew anything about mobile banking, nor did I give permission for it to be used in connection with my account. 
I have never bounced a check in my life, yes I do not monitor my account because I knew what was coming in and going out, it was never communicated to me that I was the security for Compass " no security '' bank. I would have been better off if I kept my money in a sock, at home. I am the victim here yet Compass tied to make me feel that I was somehow part of the fraud. They could not even give me the correct forms to fill out over a 2 month period because I was out of town I had to fill out 22 forms 3 times, its amateur hour at Compass '' no security '' bank. am XXXX and I needed expert but that's not what I got, to help to figure out things like them cashing the same check numbers what I thought was 19 checks turned into to 22. Consumers be aware Compass " no security '' bank does not have your back, demand not to allow mobile banking with your account.
Product: Credit card

I was charged for a service I did not ask for that they took out of my payments fpr years, this was done through my automatic payments. Though they reimbursed me for the fee I was not reimbursed for the collected interest that I had occurred and had been applied to my unpaid balance. I do not wish to pay them any further money as I believe they owe me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2022 I sent a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they verified this item with XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could NOT verify this item so they deleted it from their database. 

I then went back to Equifax XXXX, 2022 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a homeland causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Student loan

I 'm serviced by Navient, I was required to start paying back my loans before I had actually graduated a year after take a leave of absence form school because of the economic downturn at a time when I had only XXXX class left to matriculate. Navient encouraged me to use forbearance during this period when I might have been directed to an ICD or ICR payment plan. I would like Navient to be require at minimun to be responsible for the increase of debt/payments resulting from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my mother passed away and in the process of finalizing all of the documents and closing out all of her paperwork after her death I sent in the notifications/death certificate to all three of the credit bureau 's, XXXX, Transunion, XXXX. 

Of the three credit bureau 's XXXX and XXXX properly changed my mothers status and I have had no issue 's at all with the two companies. 

Transunion on the other hand listed me as deceased. 
I have been trying to for the past 2 years XX/XX/XXXX to have them correct this slight problem. 
Apparently I have been deceased for almost 11 years according to Transunion. 

I thought that I was reinstated to being alive 2 years ago when this first came up. 

Apparently I can still pay taxes and go to work and earn a paycheck
Product: Credit reporting or other personal consumer reports

I have contacted XXXX, Transunion and XXXX on more than one occasion explaining that the following accounts are not mine. The following accounts listed on the credit report are inaccurate and do not belong to me. I have explained on a number of occasions that I have never opened a credit card with XXXX XXXX or XXXX. I have explained via email and a letter and they are still listed on my credit report. XXXX has yet to address these matters.
Product: Credit reporting or other personal consumer reports

I woke up this morning to find inaccurate accounts on my credit report, and I have no idea how they got there. I've checked my report regularly, but this time there were discrepancies that seemed to appear out of nowhere. I even refreshed my browser thinking it was a glitch, but nothing changed. The accounts remained. Because of this, I urgently need the documents I've submitted to be reviewed carefully, so I never have to deal with this stress again.
Product: Debt collection

This company ( Coast Professional ) sent documents over to my employer as an government official. ( Documents attached ). I have never received documentation from this company or contracted with this company. Therefore I sent an affidavit to there company requesting jurisdiction and validated information and never received a response.I still have yet to see the contract granting Coast Professional the rights/Jurisdiction regardless of who they are stating they are working on the behalf of. I do not want to do business with Coast Professional. Attached is where Coast Professional not XXXX sent papers to my employer to garnish my wages. You still must prove your jurisdiction and answer the claim by affidavit per the law. Again, I dispute to contract with your company and we can get the XXXX involved if need be. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and Coast Professional Inc to pay debt collector which will give your company jurisdiction to report this debt on my credit and garnish my wages ( per letter attached ) .. Regardless of what type of company you are, you still have to have a contract between either you or I or the original creditor in which gives you obligation to try and collect a debt. If you didn't purchase this debt then you surely have an obligation letter to collect and provide to me. You have not provided anything regarding to the proof of claim request by affidavit from the commissioner of the court with matching government issued identification. Also, the cease letter was strictly for collection and has nothing to do with the proof of claim requested. All information requested by affidavit which is not to be treated as normal communication per FDCPA. This is your final notice to remove garnishment and any collection activity or a commercial lien and or suit will be filed against your company for dishonor, no jurisdiction and punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am already being garnished from this law firm. They continue to add over {$100.00} in charges on my credit report after submitting a {$1200.00} balance to my employer. 
They are falsifying the balance owed on my credit report. My credit report now shows a balance owing of {$1300.00}. 
Furthermore, I am a XXXX XXXX XXXX XXXX. I really hope this company is proud of themselves garnishing a XXXX XXXX XXXX XXXX  on a bill that had been overlooked.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt  my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed immediately.
Product: Credit reporting or other personal consumer reports

I discovered a fraudulent account on my credit report thats was opened on XX/XX/XXXX. After several attempts to dispute this fraudulent account with the credit bureaus, I decided to contact Sofi Bank directly. They confirmed that the personal information used to open the account, including my address, employment details, and phone number, was not mine. Additionally, they informed me that there were no payments made on the account, which further supports the fraudulent nature of this account. 

I reside at XXXX XXXX XXXX in XXXX, Texas. I have been a resident of this address since XX/XX/XXXX. 

I am attaching a copy of my front and back of my drivers license, along with my current address, for your reference. This will enable you to contact the Department XXXX XXXX XXXX ( XXXX ) to verify the validity of my drivers license. Alternatively, if you have the necessary equipment, you can scan the back of my drivers license to confirm its validity. Please note that my drivers license was issued on XX/XX/XXXX. 

Ive attached my deed to my house with the same address. Please note that it was issued on XX/XX/XXXX. 

Attached is a letter from my utility company, XXXX, informing the date I switched services and requesting that they activate them. This serves as proof of my residence and service history. Please note the date I turned on my services, which was XX/XX/XXXX, and I am still an active customer. 

Attached is a letter from XXXX XXXX XXXX. It informs me of the date I switched services and requests that they activate them. This serves as proof of my residence and service history. Please note that I turned on my services on XX/XX/XXXX, and I am still an active customer. 

Lastly, I am also sending you a notarized, ten-times-signed written letter. The purpose of this is for you to see my handwriting and confirm that the signature used to open this account does not match mine. 

Please use these supporting documents to further prove that this Sofi account is fraud. Then mark this account as identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to communicate with XXXX credit card and I continuously receive the run around. I called and spoke with a rep on XX/XX/2020 at around XXXX. I had recently closed my account but, someone that account was still reporting. After researching the information XXXX stated that I should have been informed about whatever the payment cycle is and something regarding paying before the due date. I can't remember exactly what he said. So after the discussion of the account the late payments were going to be removed. That has not happened as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I notice a few tradeline accounts that were not removed from my credit report. 

On XX/XX/2019 a claim was submitted to the CFPB claim # ( XXXX ) for fraud on XXXX. After a review with the Office of Consumer Advocacy ( OCA ) at XXXX XXXX XXXX. It has come to their determination that Based on a preliminary investigation, FedLoan Servicing submitted a request to the nationwide consumer reporting agencies to remove the loans from my credit report per their full investigation. 

As of this XX/XX/2019 these trade lines still appear on my credit report with equifax. 

Please email me proof that these items were deleted from my credit report. 

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

In XX/XX/2020, I discovered that I had become a victim of identity theft. After being denied for a credit card, I checked my credit report and saw several ( 22 in total ) student loans that had been taking out in my name totaling $ XXXX. I sent in a letter notifying the big 3 credit bureaus that my identity had been used fraudulently, along with a FTC affidavit and a police report but they refused to block the account stating that it was " validated ''. When asked why they refused to block the accounts when I'm showing adequate proof that the accounts were not mine, and provided them with the proper documents needed to have the accounts removed they declined to answer. 

I followed up by requesting that the creditor provide me with details on what method they used to " validate '' the account, all while forbidding them from using E-Oscar to do so but they disregarded my request and sent another letter stating that all 22 accounts were validated. I specifically requested that they provide me with physical proof of a contract with my signature showing that the debt is mine but again, they ignored my request and continue to state that the debt was " validated '' with no physical proof nor explaining which method they used to do so. 

Recently, I sent in a letter of Notice to Furnishers of Information to the creditor to let them know that per the FCRA, the MUST report accurate information only and once again, they ignored my claim and continue to state that all accounts are " validated ''. Time and time again they have continue to violate the FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX  | Account : XXXX XXXX XXXX| Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX  | Account : XXXX XXXX XXXX XXXX | Account : XXXX, have 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

XX/XX/XXXX ] [ XXXX XXXX ] XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXXXXXX : XXXX ] Reason : [ NEED IT REMOVE ASAP ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

In accordance with the Fair Credit Reporting Act XXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not want this complaint to be transformed into a request for contestation. I've already done it. I want this information DELETED by the FCRA. The offices had MORE THAN A YEAR to solve this and they failed. Now is the time to DELETE the accounts according to the FCRA. Please do not close this complaint without resolving it completely. Thank you
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Experian : [ XXXX XXXX XXXX ] [ XXXX ] Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation I have already sent you a first letter and a second date of the second letter where I ask you to tell me where they got that information and they do not tell me anything, they are only verifying my letters and those accounts are all accurate and they do not want to delete that account, so I ask you please to help me delete these accounts since they are not helping me have good credit to be able to compare my house is damaging my family environment. This is the tracking number of their response XXXX XXXX XXXX date sent XX/XX/year> Experian sent me that verified letter and in the letter all the accounts are wrong I want them to delete it. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Prepaid card

On XX/XX/2023, i was robbed by the a stranger who stole my XXXX XXXX XXXX, he used my card to take money out of the account. i spoke with XXXX XXXX XXXX XXXX, they told me to send proof- such a police report and evidence of the incident. I provided the information to them, they are trying to say they can not refund me my money that was taken out in the amount of XXXX dollars. I provided everything they needed and they are failing to provide me with my money.