23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Consumer Complaint against Bank of America Complaint Summary : I am filing this complaint to request a re-evaluation of my denied fraud claim with Bank of America. I have been a long-standing and loyal customer, but recent fraudulent activity on my XXXX account has left me in a dire financial situation. Despite my efforts to resolve this through the proper channels, I have been denied any assistance from the bank, and I am now turning to the CFPB for help. 

Details of the Incident : Date of Incident : Multiple dates from XXXX through XX/XX/year> Account Involved : Bank of America Checking Account Merchant Involved : XXXX  Description of the Issue : In XX/XX/year>, I noticed a series of duplicate transactions on my Bank of America account, all associated with XXXX. These transactions continued throughout XXXX and XXXX, amounting to a significant financial loss. During this time, I was also locked out of my XXXX account and unable to access it. 

When I finally regained access, I discovered that my entire life savings had been drained. I believe I was the victim of a XXXX XXXX XXXX, which allowed unauthorized access to my XXXX  account. It is important to note that I did not authorize any of these transactions, and the duplicate charges are evident on my account. 

Despite the clear evidence of multiple identical transactions on the same day, my fraud claim was denied by Bank of America. I received no detailed explanation for this decision, leaving me to question the integrity of the bank 's XXXX XXXX policy. 

Impact on My Life : The loss of my life savings has had a devastating impact on my financial and emotional well-being. I trusted Bank of America to protect my assets, and their refusal to assist me has left me feeling abandoned and betrayed. 

Steps Taken to Resolve the Issue : Contacted XXXX  to report the unauthorized transactions and had any remaining accounts associated with my information deleted. 
Filed a fraud claim with Bank of America, which was denied without a satisfactory explanation. 
XXXX XXXX : I am requesting the CFPB 's assistance in ensuring that Bank of America re-evaluates my fraud claim. Given the circumstances and the evidence of duplicate transactions, I believe that my case deserves a thorough investigation and resolution in my favor. 

Desired Resolution : Re-evaluation and approval of my fraud claim. 
Reimbursement of the funds lost due to unauthorized transactions. 
A detailed explanation from Bank of America regarding the denial of my initial claim. 
Conclusion : I am seeking the CFPBs intervention to ensure that Bank of America upholds its commitment to protecting its customers from fraud. This situation has left me financially vulnerable, and I am in desperate need of assistance to recover my lost funds.
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX XXXXXXXX ACCOUNT : XXXX. The account was removed by Equifax after dispute. I later realized after looking over my credit report Equifax, p put XXXX  XXXX XXXX back on my credit report without warning or regard for my financial life or job opportunities. This unlawful account reporting is causing me harm. 
I have proof it was removed via CONFIRMATION # : XXXX. On page XXXX of XXXX, dated XX/XX/year> XXXX
Product: Credit card or prepaid card

This is the timeline of the botched transaction from my XXXX XXXX to Barclays. during this time, my credit score dropped from the high XXXX to the low XXXX. 

XXXX - Begin hearing about XXXX transitioning from XXXX to Barclays. 
XX/XX/XXXX - Last automatic payment of full balance to XXXX XXXX 
Was Notified they were switching over to Barclays. 

XXXX - Notified that a new Barclays credit card was getting mailed out. This card was never received Called Barclays and requested a new card be sent out. 
Barclays refuses to use my last name of XXXX and insists on using my maiden name of XXXX unless I send a copy of my marriage certificate. Gap had been using my last name of XXXX since I got married in XXXX. I told Barclays to close my account. 

XXXX - I never received any new Barclays card. They insisted they had mailed two out. 
Begin to see negative impacts on my credit score, but never received any statements from Barclays and was never given any information on how to pay online.

I again asked them to close my account and requested they mail out a paper statement. 
Called Barclays again and asked them to mail out my final statement. 
Still no final bill sent. Call Barclays again ( for the third time ) to ask for the final bill. I told the XXXX I would be mailing a check in to pay the amount in full, minus late fees and interest charges. 

XXXX - I finally received the final bill. 
XX/XX/XXXX - Mail check # XXXX for the full amount, minus interest and late fees. 
XX/XX/XXXX - Check for {$2300.00} is cashed by Barclays. 

XXXX - Call Barclays and talked to a customer service rep who let me know that they did receive the check and my account had a {$0.00} balance. I thought everything was revolved. 
XX/XX/XXXX - Credit monitoring shows Barclays has marked the account as more than 60 days delinquent. 
Call Barclays again, asking to confirm payment, and close the issue, and fix the credit reporting issue. They claim they cant find the payment, despite my bank showing the check was cashed by Barclays on XX/XX/XXXX. 
Still calling me by my maiden name of XXXX. 
XXXX is investigating this, but says it wont be resolved for 30-45 days. XXXX ID # XXXX At this point, it has been almost 4 months of trouble and this has ruined my credit score.

Another 30-45 days of this is unacceptable.

My account has been pain in full. I would just like this issue to be closed and my credit score restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is a real personal complaint made by me XXXX XXXX. Not a third party company or anyone else. I am a victim of identity theft, i submit a report to the credit reporting agencies and they didnt remove any of the accounts. and per the fair credit reporting act they have 4 days to remove all of the accounts.
Product: Checking or savings account

Thursday XX/XX/year> : direct deposit from employer was not deposited. Bank sent email to say deposits would be there by Friday morning Friday XX/XX/year> : funds still not available by end of business day. As of now, XXXX XXXX time they are not available. Account is now negative.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 at XXXX I made an attempt to transfer {$410.00} into my Cash App account to pay rent. The app claimed that the transaction failed. I tried a second time and it said it failed again. I went on my XXXX  XXXX XXXX account to make sure it didn't go through but {$410.00} was taking out saying the payment of was sent to Cash App. I contacted Cash App via email but they told me that maybe that my bank is blocking me from making the transaction but to make sure I made a {$1.00} deposit that went through. I called XXXX  XXXX XXXX and they told I need to resolve the issue with Cash App. I was going back and forth with both parties then decided to file a claim through XXXX  XXXX XXXX. The claim was being investigated for 2 months. During this time I had trouble paying rent and almost got evicted. I continued to call XXXX  XXXX  XXXX to check the status of my claim and at the end they basically told me they can't do anything about it because Cash App, owned by Square Inc, said they don't have the money and they can't help. I filed a claim through a different site but haven't heard from them either. It's been 4 months and I still {$410.00} short.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Traansunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. These addresses were used to open accounts in my name : XXXX XXXX  XXXX XXXX, SCXXXX XXXX XXXX  XXXX, SCXXXX These are the accounts in my name that stems from the identity theft : 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 XXXXXX/XX/XXXX A copy of an FTC report listing the ACCOUNTS, ADDRESSES AND INQUIRIES opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses and inquiries. The aforementioned inquiries and addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission and also a Police Report from the XXXXXXXX XXXX XXXX demonstrating that the Addresses, Accounts and Inquiries listed above are all the product of fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been attempting to dispute my credit report with the XXXX bureaus for years since 2020. Proof is submitted below. This year specifically, they received phone calls, online uploads, and mail. XXXX, TransUnion, and XXXX have a been contacted through every method of communication. There have been no fair resolutions. This has caused severe almost irreparable damage. Defamation of character, invalid denials, withholding of employment consideration. There are monetary damages as well, XXXX XXXX XXXX lost due to malpractice and unethical / illegal business practices under the FCRA. Their is possible element of racism as Ive been told by XXXX that Ive lived in a risk area. Ive lived in communities that happen to be predominantly XXXX American and XXXX. Race/ethnicity should not play a role in my credit reporting. As a young XXXX my disputes with the credit bureaus are not taken as seriously. The evidence shows it as Ive tried disputing incorrect information for XXXX I get turned down right away, when Ive had a XXXX attempt to repair my credit from the firm of XXXX XXXX XXXX they have more success. They can only do as much I do in terms of credit repair. XXXX states that anything a credit repair company can do I can do individually. Im unable to afford more attorney credit repair services as Ive already felt enough financial damage.
Product: Mortgage

The loan servicer has made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued notices of default for amounts that were not yet due, eventually stopped accepting my payments and has sued me for foreclosure. 
The servicer continues to charge me late fees after acceleration and during the foreclosure lawsuit. 
The servicer 's lawyer will not permit me to communicate with a sole point of contact at the servicer, make Requests for Information or Payoff Requests and is refusing to respond to the Requests for Information or Payoff Requests. 
I am being denied an opportunity to save my home and avoid foreclosure through the Making Home Affordable Program. 
The servicer and its lawyer are forcing me to accept a nonHAMP, nonaffordable loan modification that is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute or be faced with a possible foreclosure judgment against me and loss of my home. 
I am being forced to sign a loan modification agreement whose payment terms I do not understand, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by the servicer. 
The servicer is subject to an existing Settlement Agreement with my state 's Attorney General, and my loan is eligible for coverage under that order, but the servicer and its lawyer are forcing me to either accept a loan modification that is not based on my income or ability to pay or be faced with a possible foreclosure judgment and loss of my home.
Product: Mortgage

I had a problem with my checking account as a result of my purse being stolen, along with my check book and sensitive financial paperwork. As a result, I contacted SLS and the representative XXXX suggested I make my payment by XXXX and cancel the scheduled payment I had set up from my checking account. The payment was scheduled for XX/XX/2017. XXXX cancelled the payment & I made a XXXX payment on XX/XX/2017. However SLS still processed the previously canceled bank draft. I received a letter from SLS indicating that I now had an additional NSF on my account. If I get one more I will be banned from check payments for 6 months. This is their mistake, I cancelled the draft, on their recommendation, well before the scheduled payment.
Product: Money transfer, virtual currency, or money service

On XXXX our business processed a credit card transaction in the amount of {$29000.00} for flooring laminate. Transactions normally gets deposited into our business account within 2 business days. We processed this transaction XXXX contact chip which is clearly in the guidelines described as a protected means of processing XXXX XXXX we received a call from the First Data Risk Department after asking a few questions and them requesting bank financials as well as invoices for this transaction and after review we were instructed that the funds would be released.On XXXX we received yet another call from the risk department stating that they did not feel comfortable with the transaction and they were asking us to refund us.We Cleary stipulated that the sale was done and the merchandise was picked up by customer.We have used First Data for over 3 years and we have done hundreds of transactions this is a very unprofessional manner in which they are conducting business.We will not process a refund and we reserve our rights for further litigation if these funds are not credited to our bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint over some unknown inquires on my file. I have never applied for any account for business with the following companies : XXXX XXXX  XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX via XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   via XXXX XXXX XXXX, XXXX I do not have any of these financial products and I do not wish to have a account with these companies please delete them they are errors and I never signed any documents.
Product: Money transfer, virtual currency, or money service

Cash App took {$240.00} out of my account after receiving a deposit on XX/XX/2023 When I called to rectify the situation I was told that it was for a merchant I used that they had to pay and it left my account in a negative. They claim that the error only appears on their end after I asked for proof and I asked why I can't see the error on my end in the Cash App transaction history, again they said it only shows up on their end. Furthermore, when I asked why the company did not send a text message or email about the error they said I should have gotten it the same day the {$240.00} was taken from my funds. Also, this " error '' happened between XX/XX/XXXX XXXX XXXX, 2023 They offered to send me a Spreadsheet of my transaction history I accepted. The font was XXXX and hard to decipher. I wanted to escalate to an investigation, but I had to agree first to their policy that if they find I am wrong they will close my CASH APP account. It appears that this can be a SCAM and I'm being bullied by a rigged system. If an error appears on their end the consumer should see it in their app. WHAT ARE MY RIGHTS? How do I know if they are not scamming me? How do they add virtual money to my account and I do not see it, and they don't take it right away? If my account was in the negative why did it take a few hours after a direct deposit for the money to be taken from my account? Why did it happen two months later without any notifications about a negative balance? Why do I have to agree to their policy that if I initiate an investigation and I am wrong my account will be suspended? They only see the error and say it is happening to millions of Cash App users. These are agents in other countries. I would like a refund of my {$240.00} there was no error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last couple of months I have been denied credit and told I had to leave an exorbitant deposit on an apartment due to Equifax incorrect credit reporting. Other credit reporting agencies are reporting correctly. This is not an issue with the companies who have extended credit to me not reporting back to Equifax. I have filed 27 disputes with Equifax. I have filed disputes online and I have sent a certified letter to file disputes. Equifax refuses to update my correct name even after receiving certified court documents showing my name change. Equifax refuses to correctly report my student loans, claiming I owe more than {$14000.00} when I actually owe less than {$1000.00}. They are incorrectly reporting my address even though I have shown a utility bill with my correct address. My otherwise excellent credit is being tarnished by Equifax, and they have lowered my credit score after I filed disputes. Every dispute I have filed had supporting documentation. They have denied every dispute I have filed. I have repeatedly tried to speak with Equifax customer service representatives apparently based overseas, and they hang up on me claiming they can't hear me. Equifax has now blocked me from viewing my account online.
Product: Credit reporting or other personal consumer reports

I noticed that since the accounts has repeatedly been updated they're now reporting every month as charged off. This is an update to the payment history. A charge off account should Not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 

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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX {$3000.00} XXXX  XXXX {$630.00} XXXX {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a matter of great concern regarding the re-reporting of an account and the failure to remove a disputed account from my credit report, despite providing proof of its inaccuracy. As per our previous settlement agreement, the account in question was supposed to be suppressed and deleted, and its continued presence on my credit report is a violation of our agreement. 

Firstly, I would like to address the issue of the re-reporting of an account. According to our settlement agreement, which was reached in XX/XX/2022, the account in question, XXXX XXXX, was to be suppressed and deleted from my credit report. However, to my dismay, I recently discovered that this account has been re-reported, despite our explicit agreement to remove it permanently. This re-reporting not only violates the terms of our settlement but also negatively impacts my creditworthiness, which has already suffered due to the presence of this account. 

I request that you take immediate action to rectify this situation by ensuring the immediate removal of the re-reported account, XXXX XXXX Acct # XXXX, from my credit report. Please provide confirmation once this action has been taken, as it is crucial to my ongoing efforts to rebuild my credit and financial standing. 

Secondly, I want to address a separate issue involving a disputed account on my credit report. I have submitted a dispute regarding an account attributed to XXXX XXXX XXXX, which I have never had any affiliation with. I provided substantial evidence, including documentation proving that I do not hold an account with the reporting creditor. Despite my efforts, this disputed account remains on my credit report, and it is imperative that it be removed promptly. 

I kindly request that you thoroughly investigate this matter and take the necessary steps to delete the disputed account from my credit report immediately. I have attached copies of the relevant supporting documents for your reference. Furthermore, I would appreciate timely communication from your department to inform me of the progress and resolution of this dispute. 

Failure to address these concerns and resolve the aforementioned issues in a timely manner would leave me with no choice but to seek legal remedies to protect my rights as a consumer. I trust that TransUnion, as a reputable credit reporting agency, will handle this matter with the utmost seriousness and urgency it deserves. 

I look forward to a prompt response and a swift resolution to this matter. Please find enclosed copies of the relevant documentation supporting my claims. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate attention to this matter.