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

Dear CFPB, I am writing to formally file a complaint against Bank of America regarding their handling of a wire fraud incident and the unjustified freezing of my business account. 
Account Information : Business Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Holder : XXXX XXXX XXXX XXXX and Issues : XXXX. Wire Fraud Incident : On XX/XX/2024, I mistakenly wired {$100000.00} to Counsel Sure at XXXX XXXX  in Florida due to receiving incorrect wire instructions from a fraudulent email impersonating the intended recipients bank. Despite my persistent efforts to rectify this issue, Bank of America has failed to provide a formal response or take satisfactory action. I have attached a copy of the wire transfer for your reference. 
XXXX. Request for Action : On XX/XX/2024, I submitted a formal written request for a certified copy of the wire transfer confirmation and demanded actions to recall the funds to XXXX XXXX XXXX, Branch Manager at the XXXX, CA branch. Despite my XXXX banking relationship with Bank of America XXXX XXXX XXXX indicated that the matter was beyond his control and no further assistance could be provided. I have included a copy of this letter with XXXX XXXX 's signature acknowledgment, dated and with contact information. 
XXXX. Affidavit of Facts : To further affirm the unresolved issue and the negligence on the part of Bank of America, I have attached a notarized Personal Affidavit of Facts, signed on XX/XX/2024. 
XXXX. Unjustified Freezing of Account : On XX/XX/2024, Bank of America froze my business checking account without providing any explanation or justification. Despite contacting the Bank of America Fraud Department on XX/XX/2024, XXXX, a Customer Service Representative, informed me that they would not discuss the reasons for the account freeze or provide an estimated resolution time. This has effectively left my funds inaccessible and my business operations severely impacted.
Product: Credit reporting or other personal consumer reports

I previously disputed the accuracy of the account XXXX  - XXXX with XXXX and TransUnion, citing discrepancies and a lack of proper verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite my request, I have not received a detailed description of the verification process, as required by 15 U.S.C. 1681i ( a ) ( 7 ), nor has the account been removed. 

Additionally, this account was already deleted by XXXX, which demonstrates that the information is inaccurate and unverifiable. XXXX and TransUnion have failed to correct this inconsistency, violating 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item can not be verified, it must be deleted. Since neither bureau has provided sufficient verification, the continued reporting of this account constitutes a clear violation of federal law. 

This failure to investigate and correct inaccuracies has caused harm to my credit profile and financial standing, and I seek immediate resolution.
Product: Credit card or prepaid card

Barclays Credit Card A fraudulent charge was made to my account on XX/XX/XXXX. Barclays was made aware of the charge on XX/XX/XXXX and a provisional credit was made. The charge was reversed on XX/XX/XXXX. I appealed the decision in writing on XX/XX/XXXX and again on XX/XX/XXXX. I ultimately paid the charge of {$720.00} in order to protect my credit. 

XXXX XXXX The fraudulent charge was for an airline ticket with XXXX XXXX. I also disputed the charge with XXXX XXXX but they also will not refund the money in spite of an airline ticket being purchased in someone else 's name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the data breach, had his information sold on the dark web on XXXX XXXX  data breach, and had to sue a dealership for fraud as well. 

I sent a 605B affidavit with a police report showing the numerous amounts of fraud with the information of the multiple breaches. This 605b FTC affidavit was sent to all 3 credit bureaus XXXX, XXXX, AND EQUIFAX. This FIRST affidavit was sent back in EARLY XXXX of XXXX. 

XXXX  respected the 605b/police report and had all of the fraud removed off my credit report. 

EQUIFAX did NOT respect the 605b/police report and the XXXX XXXX credit card ending in XXXX that had fraudulent activity was NOT removed. 

XXXX did NOT respect the 605b/police report and 3 credit cards that had fraudulent activity on them were NOT removed even though the police report and 605b showed the FRAUD. The 3 cards in  mention are by the following creditors XXXX XXXX ending in XXXX ( same as previously mentioned ) XXXX  XXXX card ending in XXXX and XXXX XXXX starting with XXXX. 

I spoke with both XXXX  and EQUIFAX they said the verbiage in the 605b wasn't correct for the TYPE of Fraud i was reporting. 

I have sent a NEW 605b affidavit and the same police report on XX/XX/XXXX, XXXX  still has NOT removed the 3 accounts in mention and EQUIFAX still has NOT removed the one account in mention. THEY DIDNT EVEN START a dispute till XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX IN XXXX Balance Owed : {$12000.00}
Product: Credit reporting or other personal consumer reports

Westlake Portfolio Management opened on my credit report as a new auto loan finance company. They said that they were transfered from US Auto Sales, but none of my prior payments transferred as of my credit report. The loan agreements were changed without my knowledge and I was no longer covered under the gap insurance and extended warranty I purchased. Westlake Portfolio Management ( A debt collector, not financial institution ), illegally repossessed my vehicle with no communication. After my car was repossessed, they sent me a letter stating that in order to get my vehicle back, I had to pay the full balance of {$17000.00} within a weeks timeframe. Westlake was closed on my account, they went in to update false information consistently affecting my score.
Product: Debt collection

A collection account from National Credit Adjusters appeared on my credit report XXXX of XXXX for {$350.00}. This resulted in my score dropping XXXX points with XXXX, XXXX points with XXXX and XXXX points with XXXX. This inaccurate information along with the decrease in my credit scored caused a denial for a new mortgage for my family. I reached out to the creditor on XX/XX/XXXX with a certified letter ( XXXX Certification # XXXX XXXX XXXX XXXX XXXX ) requesting proof that I signed documentation with this creditor and instructed the creditor to notify the XXXX credit reporting agencies that this was an error. The creditor did not respond. I am now receiving phone calls from the creditor. On XX/XX/XXXX at XXXX XXXX  I spoke to a representative on a recorded line and advised that the debt was not my debt. The representative noted the account. I am currently reaching out to an attorney to submit a claim for Defamation, Negligent Enablement of Identity Fraud, and Violations of the Fair Credit Reporting Act. These violations may result in at least a {$3000.00} fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX someone fraudulently used my credit and make a hard inquiry for TD bank XXXX XXXX XXXX
Product: Checking or savings account

Tried to open the bank account with XXXX they told me your company had a warning on me. Talk to somebody on the phone from y'all company yesterday and they told me that somebody open the Wells Fargo account in my name in XXXX. I've been in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX there's no way in the world I can open the account with Wells Fargo in XXXX I was in the XXXX XXXX XXXX XXXXXXXX. Can you please take this warning off of me whatever so I can open me a bank account thanks
Product: Debt collection

Collections added to my credit reports {$600.00} midland management XXXX XXXX Credit Card
Product: Credit reporting, credit repair services, or other personal consumer reports

ive disputed these inaccurate item and Transunion keeps coming back as verified which is incorrect tried to contact the company and that was pointless
Product: Student loan

I've been trying for years to get my student loan payments on the income verification plan. I have been unsuccessful even though I have a low income they keep telling me they can't find my stuff I keep telling me that I'll get my records to keep telling me that I'll get my faxes to keep telling me that I have to reapply. Ameri-tech came along and said pay us this fee we handle everything. So I made a deal with Ameritech for {$150.00} a month and I was paying them for 3 years. I stopped paying them about 9 months ago when I got a phone call from XXXX XXXX stating that they had not received a payment for me in over 3 years and that I had exceeded the number of forbearances that I could have in a year. XXXX XXXX then proceeded to tell me that Ameritech was waiting till the 90th day to call in on my behalf and claim a forbearance and then get another 6 months forbearance and wait till 90 days and then call in. Send XXXX XXXX reports on a 90-day cycle to the credit bureaus. I called Ameritech to see if this was true they told me yes that's why I'm paying them {$150.00} a month to do this. I told them know they were supposed to be paying a little on my XXXX XXXX and I'm supposed to be paying them for maintaining it so that after a certain amount of time we could show that I was willing to pay just unable to do the full amount and that I could get loan forgiveness. they told me that's not how it works and I told them to stop payments I would handle it from then. When I went to cancel with them I had to go all the way up to the super I went from the person I spoke to to the supervisor to the floor manager to that floor managers supervisor before I could finally get clearance to cancel. They were nasty about it they didn't want me to go they tried to reduce my payments down to {$25.00} a month just so I would stay but they're not doing anything for me and I won't ever get loan forgiveness this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been submitting disputes with this company since XX/XX/2020 only to be ignored over and over again. I've sent police reports as well as identity theft documents supporting my claims and this company chooses to ignore my disputes. This company is in complete violation of the fair credit reporting act and doesn't seem to care cause they are not held accountable for their actions. I've been emotional and financially scarred from this. I've been denied shelter for me and my family do to the negetive effects this has on my credit. I've been involved in Equifax 's recent data breach as well.
Product: Student loan

Navient firmly XXXX XXXX has been aggressively trying to collect money from myself and my wife for student loans that were XXXX through my chapter XXXX bankruptcy. I demand a refund for all loans that Navient have been illegally collecting on since the discharge of my bankruptcy and removal of information from the credit bureau for myself and my wife. I will be including the Attorny general for Wisconsin in this notice. I was told by my bankruptcy attorney that this loan was discharged due to it being a non qualified student loan. I attended XXXX XXXX XXXX XXXXXXXX and having records from them showing that Navient is not a qualifying student loan company. 

Navient has been charging me many fees and interest for years, destroying my credit making it hard for me to make a living. 

Like other I have been lied to by Navient staff saying that my loans wasn't dischargeable through bankruptcy when in fact it was discharged and Navient was notified. 

Also after receiving the news about Navient recent lawsuit filed by my attorney general I called Navient and was told that I don't qualify. My loans all have been delinquent consecutively for years. The loan is a private loan and qualifies. Again I have been deceived by Navient and staff with lies so that they can collect more money from myself and my family. I am asking that the CFPB, Attorney General look into this situation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX/XXXX  XXXX  # XXXX is reporting a collection on my account that I never received any notice of. I currently have XXXX   XXXX  and I was never sent anything letting me know the account was going to go to collection, I only found out about it when I checked my credit. This is in violation of my 30 day right to dispute.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XXXX XXXX on XX/XX/22 XXXX, at XXXXXXXX XXXX XXXXXXXX and spoke to customer service and advised them payments were being reported late negatively affecting my credit report. The payments that are being reported on my credit profile violate my consumer rights under FCRA Consumer Law 15 USC 1666B. As a long- time customer that has had exceptional payment history with XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval for other accounts. After speaking with XXXX customer service, they were not helpful and didn't listen to as a long-time customer. They advised me there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customers consumer rights. XXXX is tarnishing my name and credit profile by reporting these late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

FIN # XXXX with transunion states account verified. They have yet to prove where information is coming from as per my last CFPB report. I called bankruptcy court on file and they stated they dont report to reporting agencies. Im not sure how they are verifying if not from the court. Issue still not resolve and question its accuracy. I have placed security freeze on XXXX XXXXXXXX and XXXX so the court is there only option
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts which have been obtained fraudulently and without my consent. They are reporting as XXXX XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX. These are causing a lot of harm to my financial well being because my credit is taking a huge hit because of these thieves who used my info to get credit.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXXk account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Debt collection

I checked my Credit report and learned that I had a debt collection on my report from XXXX XXXX XXXX concerning a XXXX account opened in XXXX of XXXX  with an unpaid balance of {$XXXX} ( Account XXXX ). XXXX XXXX XXXX provided a reference number, XXXX. I immediately contacted XXXX and learned that my account is in good standing with a XXXX balance and my account was opened long before XXXX of XXXX. I relayed this information to XXXX XXXX XXXX and all XXXX Credit Bureaus because now I have this negative information on my Credit Report that affects my XXXX XXXX concerning information that doesnt pertain to me.
Product: Consumer Loan

I have had horrible experience with CIG financial. First and foremost the employees are extremely rude and unprofessional. I receive calls, text messages, and emails with very demeaning remarks. They have contacted my family members, friends, and neighbors disclosing information about my account and threatening legal action and imprisonment. The employers and supervisors of my references have also been contacted and given information about my account. Even after contacting supervisors and general managers the problems continue. I have been humiliated and my references jobs have been jeopardized due to the harassing calls and personal issues being presented to the work place.
Product: Credit reporting, credit repair services, or other personal consumer reports

For some reason my mortgage company XXXX is not reporting my mortgage payments to the credit bureaus. I called to ask why they nonchalantly stated that they will fix it in approximately 30 to 60  days. I feel that this is unacceptable and there is no one that can help me resolve this issue at the company. I need them to report all 9 months that they have failed to report immediately. I realized that they only reported XX/XX/XXXX the next payment that was reported after that was XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My car payments were XXXX on the XXXX of each month plus you get XXXX days grace. On or around XX/XX/XXXX, I made a payment for XXXX. I made another payment for XXXX on XX/XX/XXXX and another payment in XXXX for XXXX to close the account. Right after I made the XXXX payment she marked the account late. I even paid late fees throughout 2018 but the account never went over XXXX  days and messed up my XXXX XXXX drastically. I would like for someone to go over my payment history with TD Auto Fin to show exactly where I was XXXX  days late. I have all my bank statements to prove payment history.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt ( chargeoff ) with Citibank and do not have a contract with XXXX They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, XXXX, Or something to prove the account ownership, Citibank wanted me to open the mail from my previous house which i couldnt do, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX