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

On or around XX/XX/2023 I contacted Customer Service at Bank of America 's EDD division in regards to unauthorized transactions on my Prepaid EDD Debit Card from the time I was incarcerated. 

I filed disputes on unauthorized transactions totalling over $ XXXX. Transactions were not initiated by me. At the time, Mail theft was prevalent in my hometown area and our mailboxes were constantly being targeted by theives. It is during this time I believe my EDD card may have been stolen and fraudulently used. 

I followed up 3 days later inquiring about the provisional credits and how those work in regards to my claim. I was told that it wasnt going to happen in my case, and if it did it wouldnt happen for at least 45 or 90 days. I was under the impression they had to issue this provisional credit 10 days after filing the dispute, but may have been misinformed.

This would be my 3rd complaint with this financial institution. After not hearing any follow up from anyone at Bank of America in regards to my claim or my complaints, I again called them on the evening of XX/XX/2023 and spoke to the Fraud Department. At this time I was told my dispute had been denied. I never received any documentation regarding the denial or was given the chance to file an appeal. I did file an appeal however on the phone and reiterated the fact that i was XXXX  and therefore could not have initiated the transactions myself. I was told to provide a copy of my id card, a copy of the police report regarding the mail theft, and a signed statement of facts concerning the incident at hand.

My disputes were resubmitted. I was never told i had the opportunity to view documents they used to complete their investigation into the suspected fraud on my account and feel I should have been offered this as it is a requirement under Electronic Funds Transfer Agreement that this Financial institution uses. I was not given the fair chance to provide my documentation substantiating my disputes, either.

I would like a thorough investigation to be done on my disputes and valid documentation be provided in the event my dispute is yet again denied. I can provide all of the evidence in the world to support the fact i did not initiate transactions on my card while in custody, and feel as though Bank of America is denying my claim based solely on the fact that they have already issued millions of dollars back to cardholders ( theft of EDD funds/cards was extremely common during the COVID lockdown ).
Product: Debt collection

I paid off my XXXX communications bill on XXXX XXXX, XXXX, and I received a collection notice on XXXX XXXX, XXXX. I contacted the bill collector, who indicated that they had no record of payment, and then I contacted XXXX, who had no record of payment. I researched my XXXX XXXX XXXX bank statements and found a record of an electronic payment for the exact amount due. These harassment tactics are oppressive.
Product: Debt collection

I have several family members that are managers for collection agencies. Once you the collection agency buy a debt from the original creditor its paid for. Southwest Credit please show me where I have a contract with you and really need to see my signature. I have sent you a certified letter on XX/XX/2021 needed proof of that contract. 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 ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to be reported 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 *Defamation of Character I received an letter from Southwest on XX/XX/XXXX and 2 days later it was on all three credit report. This is horrible. How you going to put something on someone's credit and that consumer never had a signed contract with you. Please delete this now. 
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.
Product: Credit reporting

On XXXX XXXX, 2015, we tendered proper notice to the landlord, XXXX to make remedy to those issues materially affecting our health and safety, as well as denying us quiet, peaceful enjoyment of the premises. XXXX, managed by XXXX XXXX, XXXX, refused our repeated requests to make remedy. On XXXX XXXX, 2015, we exercised our legal right to terminate the rental agreement, without penalty, in accordance with ARS 33-1361. Pursuant to ARS 33-1321 XXXX d ), the XXXX were required to refund our security deposit but failed to do so. Thus, not only did we legally terminate the contract without penalty, and delivering a thoroughly clean, scrubbed and sanitized unit for immediate occupancy, but XXXX is in debt to us for failing to refund our deposits. We do not owe XXXX ANY monies, as rent was paid current through our tenancy. XXXX accepted return of possession of the unit on XXXX XXXX, 2015.
Product: Credit card or prepaid card

I had fraud on my Wells Fargo Credit Card the end of XX/XX/XXXX and funds returned XX/XX/2018 in the amount of {$1200.00}, this was including the Adjustment Purchases and Interest adjustment as well and these were International charges as well. Wells Fargo replaced my card with a new one as well. On XX/XX/2018 my account showed 2 bank adjustment 's one for {$430.00} and the 2nd for {$140.00}. I saw these charges XX/XX/XXXX and called in about them. They explained that one of the International merchants had returned funds and it had gone to the old credit card number that had fraud on it originally ; the system in error did a bank adjustment on my new card and added the two amounts making me responsible in paying them back. They stated that the system would correct the error in 24 to 48 business hours. That time passed and I called back again being told the same thing, they stated that they would do a manual adjustment so those charges would be removed from my account but it never happened. I was then told in the beginning of XX/XX/XXXX when I called back that the fraud department was not allowing the correction to be made. XX/XX/XXXX I called customer care to request a case be opened as I was beyond frustrated by this situation. The customer care representative agreed that there was an error and attempted to resolve it with fraud and had no luck. He opened a case # XXXX and told me it would take a few days. A week passed and I called again XX/XX/XXXX and was told a XXXX  was assigned to it but nothing had been started yet but I would hear back from him. I still had not heard anything and called XX/XX/XXXX XXXX and spoke with a XXXX XXXX who was very helpful. She also reached out to fraud and found them to be very frustrating, she compiled an email to make clear what had happened and what needed to be done. XX/XX/XXXX she let me know she was told by a fraud manager that they  would make the corrections and would credit my account the {$570.00}. It would again take 24 to 48 business hours to complete. I checked my account on XX/XX/XXXX and saw that they did not credit my account but did a balance transfer of two amounts of {$140.00} and {$430.00} ( the original amounts that were to be removed ) as a debit to my new card. So I am now carrying a balance of {$1100.00} on my credit card that were from fraudulent charges. Wells Fargo has not fixed this error and has only made this worse. This high balance on my card is affecting my credit and I am being held responsible to pay for charges that are not mine. I will attempt to call back again to try and resolve this situation but I feel I am being victimized by Wells Fargo by them not fixing this error ( s ).
Product: Debt collection

I recently checked my credit report and noticed XXXX XXXX XXXX is attempting and trying to get me to pay {$1200.00} to them. 

I dont know this company or never did business with this company.This company doesnt have any proof or no signature of mine to validate this debt saying I owe them.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to laggied posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reevaluation, I disagree with the findings of the previous investigation. While the XXXX XXXX XXXX XXXX account # XXXX was verified, there's no clear evidence of late payments for the specified dates. I request a statement from the creditor to confirm any late payments. If not available, I suggest updating the account immediately, as XXXX and XX/XX/year> payments were not late.
Product: Checking or savings account

I have had a checking account with XXXX since XXXX. Since that time my name has not changed, my address has not changed, my phone number has not changed, even my email has not changed. I am in the local branch office 2/3 times a month and know most staff on sight. On Saturday XX/XX/XXXX I was unable to sign in to my online account to use bill pay and to XXXX. I tried 3 time without success and finally called customer service since it was a Saturday and no branches were open. I was told I was not authorized to sign on the account. The account is registered to my trust and is my primary account. I told this person they were mistaken. No changes have been make to the account since it was opened. I was told I had to go to a branch on Monday, so no access to my funds no access to my bill pay and no ability to send my daughter a birthday XXXX  transfer! On Monday I went to the local branch that we use and staff said I had to fill out some paperwork as there was a system upgrade that locked me out of the account. I asked where the original documentation was from when I opened the account., they did not have or could not find it. I got my estate documents and went back to the bank. Filled out the paperwork I was asked to and they uploaded it to the system. I asked could they call and get me access to my account again, they could not a supervisor had to review the paperwork and she was not in the office. I waited until Tuesday figuring the system had to upload overnight. I was unable to get into my account and again called Truist customer service. They said they could not help my and it may take another 3/5 days. 

I am unable to pay bills, I may incur some finance charges. I have a XXXX XXXX XXXX and have never been late with a bill in my life. Truist does not seem to understand how important this is to me. I never got a phone, email or letter indicating any problems with my account. I was in the branch just 2 days before this occurred and no teller said anything about any issue. 

My pension check is direct deposited as is my social security so it will take time if I want to move my funds elsewhere. I get the sense I am not the only person that this has happened to. I am a XXXX XXXX who tries to do the right thing. Who hold big banks accoutable to do the right thing as well?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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 accounts 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 is the list of accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Im 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 : XXXX 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 is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

My car note payment for the month of XX/XX/2022 was not submitted to my account. I sent off a money order on the XXXX of XXXX in the amount of {$680.00}. I checked the money order tracking through XXXX XXXX and it confirmed that the money order was cashed on the XXXX of XX/XX/2022. I have proof of my money order receipt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I had received a mail from the IRS that someone tried to file taxes under my name, I start doing investigation and start getting all the call from those companies, I called my lawyers that is how I found out I am a victim of identity theft. I filed a complaint with FTC. 

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account, and XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I have student loan amounts on my credit report that I never received. I objected to the loan amount and validity of the loans but they insisted that it was correct and it remains on my credit reports. I have never received funds from any student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  XX/XX/XXXX Balance : {$150.00} XXXX XXXX XXXX  XX/XX/XXXX Balance : {$150.00} XXXX XXXX XXXXXX/XX/XXXX Balance : {$150.00}
Product: Other financial service

Lexington Law advertised that they could help repair my credit. On initial review with the clerk via the phone. I was instructed that I would see vast improvement in as little as 30 days. 3-4 months of service nothing productive was done.
Product: Credit card

I have been a victim of identity theft. I have filed a police report. I have submitted several letters to all three of these credit bureau agencies and they have yet to remove these fraudulent items from my credit report. In my attachment, I have included my investigation letters with the fraudulent items and my FTC report that contains the items that need to be removed.
Product: Debt collection

Collecting dept that I do not have knowledge of never receive a letter or phone call for this company I just now saw them on My credit report do n't have any knowledge with this
Product: Credit reporting or other personal consumer reports

I received a response from the credit reporting agencies indicating that the investigation of these accounts was completed and the items were verified. However, my credit report still contains multiple inaccuracies. 

Under 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification, I am entitled to understand the verification process conducted by your agency. I demand a detailed account of every step taken to ensure the accuracy of these disputed items.

Despite the investigations, my credit report continues to reflect discrepancies. I request the immediate removal of these inaccuracies from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Inaccurate Reporting of XXXX XXXX  Account Dear Equifax and XXXX I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit profile concerning my XXXX XXXX  XXXX  account. Both Equifax and XXXX have failed to correct the errors despite multiple requests and verifications from XXXX XXXX XXXX 

Account Details : Account Name : XXXX XXXX XXXX  Servicing Incorrect Balance Reported : {$210000.00} Correct Balance : {$190000.00} Inaccurate Late Payments : None confirmed by XXXX XXXX XXXX  Despite XXXX XXXX XXXX  confirming there are no late payments on this account, both Equifax and XXXX have inaccurately reported late payments, causing undue damage to my credit score and financial standing. Furthermore, the balance of {$210000.00} reported by your agencies is incorrect. XXXXXXXX XXXX XXXX has verified that the accurate balance is {$190000.00}. 

These inaccuracies are currently under review and litigation, and I have escalated this issue to the arbitration board. Your continued failure to correct this fraudulent information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit profile. 

I demand that all incorrect late payment entries be removed immediately and the balance be corrected to accurately reflect {$190000.00}. Failure to address this matter promptly may result in further legal action, including seeking fines and penalties for non-compliance. 

I expect this correction to be made within the legally mandated timeframe, and I request a written confirmation of the actions taken. Please consider this letter a formal notice of your obligation to correct these inaccuracies immediately. 

Thank you for your immediate attention to this matter.
Product: Vehicle loan or lease

XX/XX/2023 flagship credit took XXXX from my XXXXXXXX XXXX account- this transaction was not authorized. I did not speak with them in the month of XXXX nor give them permission to steal money from my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a letter from XXXX stating they will contact you guys to remove item. items still exist on my credit report proof will be attached