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

I would like to inform you of a blatant case of negligence and gross mismanagement at Bank of America ( BOFA ) which has led to a fraudulent theft of {$15000.00} from my checking account. I wrote a check for the forementioned sum to the US Treasury as an estimated tax on XX/XX/XXXX and mailed it via the USPS to the IRS. Upon checking my online account on XXXX I noticed that the check was cashed on XX/XX/XXXX, but not by the XXXX Treasury but by a fraudster. My check was crudely and obviously doctored to place the bogus name in the payee line and the memo line which contained my SS #. Doubtless the check was deposited into a fraudulent account via an ATM or cell phone and obviously no sentient employee at BOFA looked at the check ( or its image ) to determine whether it was authentic or not and additionally BOFA appears not to possess competent image processing software useful for identifying blatant fraud. 

You would think that an obvious fraud such as this would be readily dealt with by BOFA by crediting my checking account immediately for {$15000.00} subsequent to my calling the fraud department at the bank on multiple occasions ( beginning on Oand also describing the fraud to a functionary at a branch of the bank. A reporting form was to be sent to me by email and or mail. I have received neither and was told that a BOFA investigation could take XXXX days. This is absurd because anyone could look at the check image and immediately see that it was forged. So not only is this bank incompetent and negligent in dealing with electronic transactions but it also creates obstacles to fairly dealing with customers in a timely fashion who have suffered losses occasioned by BOFA 's carelessness. I need to also know exactly when my account will be credited for the stolen {$15000.00}. I expect it to be immediate as any investigation needs to occur on the bank 's time and not mine. Secondly, I need to know how BOFA is going to ensure that electronic transactions are safely and adroitly handled. Certainly BOFA 's profits doubtless increase with fewer tellers and more ATM/phone transactions, but this cant be at the expense of blatant fraud against customers and totally inadequate customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they DELETE this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. It is improper to continue reporting this account as unverified information without creating proof within the time permissible by law. Only if Equifax chose to remove the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be DELETED is : XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}
Product: Checking or savings account

Bank of America informed me that my account was closed on XXXX XXXX due to suspicious incoming funds. I explained that those funds were sent from my business account in XXXX Bank. They asked me to make a bank-to-bank request to recall the XXXX funds back to my business account in XXXX Bank. I did what they told me and recalled the XXXX funds. However, XXXX recall request was declined by BofA, saying my BofA account was closed, so they could not refund the money ; the other request was put under review for 90 days. BofA even told me, " XXXX bank claimed fraud against you, so you should talk to them. '' I confirmed with XXXX Bank, and it was obviously not true, as I made the claims to recall the funds by myself following BofA 's instructions. 

The whole situation is so confusing. It has been almost 3 months since BofA closed my account, and I still haven't gotten my money back, which I desperately needed. BofA told me there is no limitation on how long they need for the investigation ; it could even take a year. I don't think it makes sense. They could claim any account suspicious and keep people 's money forever for " investigation. '' Please help to intervene. I just want to get over {$50000.00} in my BofA account back to me, preferably on a check. Thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies/incomplete information and accounts that are unverified. According to the fair credit reporting act, Section 611 ( 5 ) ( A ) and 15 USC 1681i, the below convergent accounts have violated my rights as a consumer. These companies have violated several of my rights, as stated below.

Violated Rights 15 USC 1681a ( 4 ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681a ( 2 ) ( a ) ( i ) - ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1692j ( a ) ( b ) - ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

15 USC 1681g ( a ) ( 5 ) - a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

18 USC 894a ( 2 ) ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

15 USC 2509j The full faith and credit of the United States is pledged to the payment of all obligations incurred under this section Company : XXXX XXXX XXXX Dates : XXXX - XX/XX/XXXX and XXXX - XX/XX/XXXX Action : Late payments illegally reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Action : Violation of 15 USC 1681g ( a ) ( 5 ) " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Company : XXXX XXXX Dates : XXXX XXXX XXXX Action : Violation of 15 USC 1681g ( a ) ( 5 ) " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Violation of 15 USC 1681a ( 4 ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Debt collection

Portfolio recovery is trying to collect a debt with innacurate information. the address for the XXXX XXXX they want is XXXX XXXX. I do not live there and never have. I reside at XXXX please delete immediately
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 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 is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/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

I am writing to demand the immearate deletion or accuracies listea on my credit report, as the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. Please be aware that automated responses or e-OSCAR verifications are unacceptable for addressing this matter. Given the clear and repeated violations of the FCRA, I am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I AM CERTAIN THAT THIS NEGATIVE ACCOUNT IS FRAUD RELATED BECAUSE I AM SURE THAT THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit card or prepaid card

I paid off 3 Chase credit cards on XX/XX/2021. AFTER they were paid off in full, XXXX balance showing, I was charged interest on the 'not paid in full balance ' from 2 previous months. On one of the cards, I was actually issued a 'credit refund ' and THEN charged interest. Several emails back and forth asking for reviews have just gone in circles with either deflection language or cut and paste answers repeated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts was open and use in my name that i totally unaware of. Also several hard inquiry to go along with those accounts. I went through a divorce back in 2018 an that seems like when the bulk of the fraudulent activity began to happen
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently applied for a mortgage but there were two outstanding credit collection items both related an accident. I XXXX  my XXXX due to slip on wet marble floor XXXX XXXXI was taken the XXXX  by an XXXX  company. The XXXX company billed my insurance over {$1000.00} but my deductible was {$400.00}. I was not aware there was a balance. The ride to the XXXX was less then 10 blocks. Had I known i would have walked to the XXXX myself. In addition, my gym continued to charge me despite not going for months due to a XXXX XXXX. They renewed the service despite that i was not attending. I closed my credit card to stop the gym charges but they tried to continue to collect fees. 
I am now forced to pay for these extortion fees to clean up my credit for services not rendered and overcharges by the private XXXX  service company. 

CBHV Collection Agency # XXXX XXXX # XXXX XXXX XXXX Amount {$400.00} representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM tele XXXX XXXX XXXX Service performed XX/XX/XXXX XXXX XXXX  XXXX # XXXX Tele XXXX XXXX XXXX Amount {$78.00} representative XXXX Gym services for : XXXX XX/XX/XXXX Please note i had not gone to the gym since XX/XX/XXXX because my XXXX was XXXX  and was in a XXXX. They charged me for months of services despite i had asked them to stop charging. 


i paid the charges to end this from being reported past due but the taint will continue to be reported as late bill. It is wrong that i have pay for these illegal fees. 

My contact : XXXX XXXX tele XXXX XXXX XXXX birth date XX/XX/XXXX
Product: Debt collection

I signed a lease with another individual and we paid for community indemnity but I was the only one charged. And I was charged extra fees for damages that were not my responsibility. I was told that I was good and everything was paid when I moved out then later I get this debt but the other individual on the lease did not
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue concerning fraudulent items persisting in my credit file despite multiple attempts to have them removed. Despite my consistent efforts to provide evidence and documentation proving the fraudulent nature of these entries, they continue to negatively impact my creditworthiness and financial standing. 

I have made numerous attempts to dispute and remove the fraudulent items from my credit file. Each time, I have provided extensive evidence, including but not limited to affidavits, police reports, and any other relevant documentation, to support my claims. Despite these efforts, the fraudulent items persist, casting doubt on the accuracy and reliability of my credit report. 

The presence of these fraudulent items has had serious repercussions on my financial well-being. Not only have they unfairly tarnished my credit history, but they have also led to difficulties in obtaining credit, securing loans, and accessing financial services. Furthermore, the continued presence of these items has caused significant emotional distress and frustration. 

I urge your agency to take immediate action to address this matter. Specifically, I request that : The fraudulent items be thoroughly investigated and promptly removed from my credit file. 
XXXX and transparent communication be provided regarding the steps taken to address my dispute and the reasons for the continued presence of these items. 
Measures be implemented to prevent similar fraudulent items from appearing on my credit file in the future. 
I expect a prompt and satisfactory resolution to this matter within the exact timeframe of the receipt of this letter. Failure to do so will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have been on Administrative forbearance thru Navient while my Defence of Repayment is reviewed by the Department of Education. I have contacted Federal Student Aid and they agree my DTR is still being reviewed, thus allowing me to be on administrative forbearance. Navient refuses to recognize this and demands payment. Department of Education website and via phone call shows i do n't owe a payment till 2021 due to DTR review. Navient wo n't accept this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed inaccurate information on my credit report through writing with XXXX, Equifax, and XXXX  starting on XX/XX/2021. XXXX  has complied with my request seeing as they didn't respond within the allotted time of 30 days according to the Fair Credit Act. XXXX  and Equifax after receiving my failure to comply letters, well after 30 days of my initial letter, responded by starting an investigation after I clearly asked that the accounts be removed from my credit report, as required by the Fair Credit Act, if a timely and accurate investigation was not completed in 30 days. It was not done in 30 days and only gained a response because of my failure to comply letters, which were mailed well after my initial letters. XXXX  's agent over the phone also claimed to have never received my first letter of dispute yet knew the information, date the letter was written and mailed, and reasoning for dispute but claimed to have received the letter on the XXXX of XXXX, and contacted me via email after receiving my failure to comply letter, also sent to all three Bureaus. XXXX  then, several days after our conversation over the phone, completed a computer-generated investigation on XX/XX/2021 after XXXX XXXX clearly after their business hours. I only ask that the inaccurate account be removed from my credit if not validated in the 30 days allowed to them to complete a fair and accurate investigation. Clearly those 30 days have been passed and should be removed immediately.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. I applied for an apartment and was denied due to an account being on my credit report. The leasing manager reached out to me and told me that XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) was the account responsible for my denial. I submitted a dispute to the CFPB and this credtor claimes to have verified the account. I would like to request the method of verification and validation of the debt. Please provide documentation bearing my signature showing that I agreed to pay this creditor. 

I have attached dispute letters below, showing proof of identity along with other accounts that need to be deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these accounts ; XXXX XXXX Balance : {$5800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXXXXXX Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromExperian, I noticed an UNAUTHORIZED inquiry made by your company XXXX XXXX CARD on XX/XX/XXXX I did not authorize anyone employed by your company to make an inquiry and view my credit report on that date, I have Paid and closed XXXX credit cards in the past XX/XX/XXXX. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry without my permission. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Mortgage

IN XX/XX/XXXX A COMMERICAL PROPERTIES WAS PURCHASED BY THE GUARANTORS XXXX XXXX AND XXXX XXXX, WE WERE THE OWNERS OF XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX HEALTH AGENCY OUTPATIENT ). XXXX XXXX LEFT IN XX/XX/XXXX. I PURCHASED THE BUSINESS FROM HIM. I WAS UNDER THE IMPRESSION WE PURCHASED XXXX XXXX AT XXXX XXXX XXXX   XXXX GEORGIA VIA SBA FUNDING. AFTER DETAILED RESEARCH IT WAS REVEALED 1. THE SBA APPEARED TO HAVE NOT PROVIDED FUNDING FOR THE PURCHASE OF THE BLDG REFERENCED, 2. OTHERS SUCH AS THE BROKER AND ASSOCIATION MEMBERS WERE INVOLVED IN POSSIBLE UNETHICAL WAYS TO OBTAIN MONEY WHILE UTILIZING ME CREDIT AND NAME DUE TO ME BEING A MINORITY, 3. THERE WAS AN ADDITIONAL LEVEL OF PROVIDE SBA FUNDING BY XXXX XXXX WHICH IS A PRIVATE BROKER WHICH BENEFITTED ALL MENTIONED, 5. THE OFFICE BLDG CONTAINED 5 DIFFERENT SUITES WITH 5 DIFFERENT ADDRESSES, EACH  SUITE WAS SOLD SEPARATELY.

EACH SUITE WAS BEING USED AS COLLATERALS FOR ADDITIONAL LOANS WHICH APPEARED TO HAVE BEEN DESIMINATED AMONGST A GROUP OF INDIVIDUALS RANGING FROM BROKERS TO POLITICAL HEADS. THE APPROXIMATE AMOUNT OF MONEY ILLEGALLY OBTAINED BY THESE INDIVIDUALS WAS CLOSE TO XXXX XXXX DOLLARS WAS PROVIDED TO OTHER PARTIES UTILIZING MY NAME CREDIT AND COPYING AND PASTING MY SIGNATURE THROUGHOUT VARIOUS PARTS OF THE LOANS PACKAGES, I CAN NEVER RECEIVE ACCURATE AND CORRECT INFORMATION FROM FUNDING SOURCES AND IN ADDITION, THE BUILDING IS FILED ON MY CHAPTER XXXX BANKRUPTCY. I CAN NOT IMAGINE THE REPRESENTING LEGAL COUNSEL NOT BEING AWARE OF THE UNETHICAL PRACTICES WITHIN THIS CONDO ASSOCIATION. THEY ARE THE GATEKEEPERS OF BOTH BYLAWS AND FUDICIARY DOCUMENTATION. 

AS A MATTER OF FACT, THERE HAS BEEN OVERPAYMENT OF CONDO DUES WHICH ARE APPROXIMATELY 1100.00. THE BOARD AND ATTORNIES, I AM SURE BOTH PARTIES WERE AWARE OF BOTH THE LAND AND SUITES BEING SOLD SEPARATELY. I DO BELIEVE THIS WAS A COMMON PRACTICE THROUGHOUT THE OFFICE PARK.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 belie
ve that the information is inaccurate.