23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a debit, pre-paid card from Bank of America link from EDD benefits, every two weeks EDD deposits money to a checking account created for to withdraw money and general purchases only. On XX/XX/2021 the Unemployment department benefits deposited {$1400.00} on to Bank of America, then I get a alert on my phone, so I new I had money to withdraw for my pay rent, on Monday the XXXX someone stole my identity of my debit, pre-paid card and the thief took out {$1000.00} and then on XXXX the thief withdraw out {$480.00}. I have a alert from Bank of America that I sign up online to alert me if I am low in balance {$25.00} or less, I got the alert so I checked on line why?? I was low in money, well soon enough I figure out I am a victim. The thief used a bank on XXXX XXXX, XXXX XXXX XXXX, XXXX California Branch of Bank of America, ATM I would guess, I called Bank of America on XX/XX/XXXX told the situation and they transferred me to claims dept. claims, they took my complaint and gave a claim # XXXX and they also requested for me to do a police report to fax them. On XX/XX/XXXX made the police report online. Next two days I called claims dept. and ask how is my case going!, claims department C/S said to that I was approve to reimbursement for all amount {$1400.00} just may take few days. On XX/XX/XXXX I called claims dept. again, so same again they tell me that the money will be deposit may couple days that it said in their system, C/S apologized again, oks again nothing, on XX/XX/XXXX I get in the mail a letter from the bank written I will get my money deposit. On XX/XX/XXXX I received actual police claim report and on XX/XX/XXXX, I faxed to claims, again I called claims, same I ask what is hold up, but this time C/S told me different story that would take up to 90 days. So there I am not getting my money deposited until now {$0000.00}, so I decide to take action and call you guys. Please help me assure Bank of America to reimburse me, {$1400.00} I am sure the bank has a coverage as all banks have I know that. Police report is XXXX XXXX XXXX I have spoken with detective XXXX # XXXX office XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have reached out to EQUIFAX & XXXX XXXX XXXX XXXX numerous of times about a Payment that's stating I have Debt Owed which is Currently in Collections and Negatively affecting my Credit score. 

Therfore With No Response from EQUIFAX, I did Recieve both a Letter and Email from the ( CRA ) XXXX XXXX XXXX stating they don't have No Acknowledgement of knowing Who I am. 

In which Laws have been Violated when it comes to the Collections Practice upon the Privacy of my Credit Profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 
XXXX  : XXXX XXXX XXXX  XXXX # XXXX {$510.00} XXXX XXXX XXXX XXXX # XXXX   {$12000.00} XXXX # XXXX {$1400.00} XXXX/DEPT OF ED # XXXX {$1000.00} XXXX  # XXXX {$4200.00} XXXX XXXX # XXXX {$9400.00} XXXX/XXXX  # XXXX {$6900.00} US DEPT OF ED/XXXX # XXXX {$1000.00} XXXX XXXX # XXXX {$500.00} XXXX XXXX XXXX # XXXX {$700.00} EQUIFAX : XXXX XXXX XXXX  XXXX # XXXX {$510.00} XXXX XXXX XXXX XXXX # XXXX {$12000.00} XXXX XXXX XXXX  # XXXX {$1400.00} XXXX/DEPT OF ED # XXXX {$1000.00} XXXX XXXX  XXXX  # XXXX {$4200.00} XXXX  XXXX  # XXXX {$9400.00} XXXX/XXXX # XXXX {$6900.00} US DEPT OF EDUCATIO # XXXX {$1000.00} US DEPT OF ECUATIO # XXXX {$1000.00} XXXX XXXX # XXXX {$500.00} XXXX XXXX XXXX # XXXX {$700.00}
Product: Credit card or prepaid card

I purchased a {$500.00} XXXX XXXX XXXX from XXXX. The issuer of the prepaid XXXX is USBank. I gave this as graduation gift. When the recipient went to use it, she was told that it has only {$0.00} on it. I have talked with XXXX  three times. They state that they activated the card properly on their end it I have to deal with the XXXX issuers. I have talked with them twice. They tell me it has been put on " fraud monitoring '' hold and I have to submit several documents before they will unlock the card. This makes no sense, they don't know my name anyway. I do not know this issuing institution, I do not want to give them a copy of my Driver 's License, my granddaughter 's name, etc. 

The keep repeating that it has been put on fraud alert. I asked them who put it on alert and why. All they will say is that their fraud department flagged it. They are asking for my name, my ID, my granddaughter 's name, etc. They have no business asking for this info. I paid for the card and it was activated at the check stand. 

I am caught between XXXX being unwilling to help and USBank asking me for a lot of information that is unnecessary!!
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote Equifax to investigate hard inquiries on my credit report that are reporting with my consent or permission. I already contacted the companies and they said that I needed to get with the bureaus about them so that is what I have done. I never received a response back and the fraudulent inquiries still remain on my credit report. I need these off my credit report because I never gave those companies permission or my authorization to check my credit score. I also asked them to investigate and update XXXX accounts by XXXX XXXX XXXXXXXX that were included in a bankruptcy to {$0.00}, which would be the correct way to have them report, however, that was never done so either. 
Also, I asked for the XXXX XXXX XXXX Account Number : XXXX to be investigated and removed due to false payment history reporting and it is still reporting incorrectly.
Product: Checking or savings account

On the evening of XX/XX/XXXX I received a phone call from someone who was posing as a Wells Fargo employee, calling from the XXXX Wells Fargo number. I was told that there were fraudulent transactions on my account and an order to keep my funds safe I needed to move them away from my checking account until the issues could be resolved. 
I was instructed to move five increments of {$2000.00} totaling {$10000.00} to an XXXX XXXX card that the perpetrators had attached to my XXXX. 
As soon as the transactions were made I called Wells Fargo. I have also filed a police report, reported this to the FTC, all three credit bureaus etc. 
Wells Fargo contact me and told me that my claim has been denied. They told me I needed to file a claim against XXXX which I did but I am not hearing back from anyone. 
I believed that as I thought I was speaking to a Wells Fargo employee and that employee seemed to be speaking from a script like they would read to any customer That I could trust them. 
As I am retired, {$10000.00} is half of my living expense for the next year. I am in hopes that my funds can be recovered.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason I am requesting an investigation by your agency is due to Equifax customer service department would not help and take care of the negative inquiries reporting to my credit report. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX 5. XXXX 6.XXXX
Product: Debt collection

Someone bought a motorcycle under my name and got insurance using my personal information. I received a letter from credit collection services for an attempt to collect a debt on XX/XX/24. I never had progressive insurance. I contacted XXXX  's fraud department. I will file a police report next. I will upload a copy of my auto insurance.
Product: Mortgage

In XXXX of XXXX, Sun West Mortgage Company issued me an FHA loan for the purchase of my primary residence. I have reasons to believe Sun West Mortgage Company failed to meet " HUD Quality Control Requirements '' when  underwriting my loan. Deficient and poor underwriting practices lead to enormous losses to the Federal Government, and also to individuals ( a. individuals to whom loans are issued, b. millions of taxpayers ).
I have reasons to believe that Sun Wests underwriting of my loan was deficient, having " excessive qualifying ratios '' and " insufficient compensating factors ''. HUD 's handbook requires that lenders gather significant compensating factors to approve loans that exceed HUD-FHA 's limits. One compensating factor, for instance, would be for S
Sun West to require a borrower to come up with a larger down-payment. Sun West, however, failed to gather any significant compensating factors to approve my loan. 1. My debt to income ratio was too high, exceeding HUD 's benchmarks. 2. Sun Wests underwriters qualified my commissions as " acceptable '' and " verifiable '' income, even though I had been at that job for less than a year. I had also just recently moved to New Jersey.
3. Sun West hired their own appraiser as required by FHA, which appraised the value of the home at exactly what the seller was asking for ( at {$270000.00} ). I later found out that the seller had purchased the home for only ( {$110000.00} ) just seven months prior to the appraisal. The seller did poor and minor work at the house ( obviously not spending more than {$10000.00} ). The nearby homes had been sold for a much lower price, thus, leading me to believe that the
appraiser was in collusion with the loan officer to get a high appraisal, to get that loan approved quickly, through a " lethal predatory lending '' that has now put me on route to foreclosure. It has caused me substantial financial loss.
5. The loan officer had contacted me through a lead that was given to him by my realtor. Sadly enough, my realtor lacked integrity and honesty. At this particular sale, my realtor was violating several New Jersey Real Estate laws ( he and the seller, who were in collusion, were later fined by the State of New Jersey for these violations ). After reviewing all communications with my loan officer and my realtor, it appears to me that the loan officer did not act in good faith at the issuance of this loan. It appears to me that he served the best interest of the seller and of the realtor ( who at this sale, failed to disclose that he was a dual agent ). As a matter of fact, the seller was a broker ; she and the realtor had an employer-employee relationship. 5. After contacting Sun West about being a possible victim of fraud and " predatory lending '', Sun West failed to provide me with an adequate response, and my loan was quickly transferred over to XXXX ( which is the mortgage bank that now shows on my credit report ).
Product: Credit reporting or other personal consumer reports

XX/XX/year> I disputed inaccurate addresses and an inaccurate name listed on my credit report.
Product: Checking or savings account

I was in the hospital and just got out. I looked at my acct and noticed XXXX unauthorized transactions {$330.00} on XX/XX/XXXX and {$81.00} on XX/XX/XXXX. I immediately contacted Wells Fargo fraud department and reported. They opened a claim and I asked the representative if I will be receiving provisional credit while they take care of and she said yes we will take care of that. Later i went to pay bills and the money for the fraudulent charges were not credited. 2 more phone calls and hours on the phone they will not credit until after they investigate which is up to 10 business days. They gave me the run around wanting my son who is currently deployed fighting for for our country overseas on a ship and is not available to talk on phone, which I do have POA for and no reason to speak to him it is an UNAUTHORIZED CHARGE on a card that we are not even aware of we have 2 cards neither which match that number and when you look at all out transactions can clearly see that is not one of the cards on our transactions. I am XXXX on limited income trying to pay my bills and can't because if this fraudulent activity and money XXXX aloud to be taken from my acct. I escalated to their executive office and they would not help either i can not wait to pay my bills for 10 days for something that should never happened!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 -- Disputed a Public Record item appearing within my file with LexisNexis as a result of the company 's Violations of Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681 ) reporting requirements but also Violation of FCRA 623 ( b ) ( 1 ) which states : FCRA 623 ( b ) ( 1 ), credit reporting agencies or furnisher of information being reported which turns out to be inaccurate, incomplete, or cant be verified, must be permanently deleted. *** As per Section 609, I am entitled to see the original furnisher 's or source of the information and in this case the original furnishers is/are : the US Bankruptcy Court Middle District of Alabama . The original furnisher ( s ), the US Bankruptcy Court Middle District of Alabama, do not report to any credit reporting agencies to include XXXX, XXXX, XXXX, or XXXX. Neither does the Court report to any third-party credit reporting agency furnishers or reseller of information such as LexisNexis. *** This rule applies to All US Courts therefore any statements alluding to LexisNexis stating the information being reported within my file with their company as verified and accurate is an error or a lie. Either way third-party reseller and furnisher LexisNexis reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and 623 ( b ) ( 1 ) therefore the information must be deleted immediately. ** Will also file a second complaint with LexisNexis should they not delete any and All other Court-related Public Record entries pending arrival of another Court Letter.
Product: Credit reporting or other personal consumer reports

My credit report contains incorrect information and a fraudulent item that I never authorized or benefited from, and I can no longer ignore the damage they are causing. I am writing this with absolute frustration, as these errors have severely impacted my life and financial stability, preventing me from moving forward. Not only is this a violation of my rights, but it is also an insult to my character. I have already reported this matter to the Federal Trade Commission, yet these fraudulent items remain on my report. It is disheartening that the very systems in place to protect consumers like me have failed to resolve this issue.
Product: Credit card or prepaid card

XX/XX/2022 - charged {$1200.00} for " XXXX XXXX XXXX '' which I did not use/purchase XX/XX/2022 - U.S Bank issues provisional credit to offset that charge and starts an investigation XX/XX/2022 - U.S Bank finishes investigation and says the charge is valid and removes that provision credit I did not make this charge, and have no idea how or why it was ever charged to my card. I used a ** similar ** company called " XXXX XXXX '' back in XXXX with my other credit card card.
Product: Debt collection

I find a debt of {$270.00} listed on my XXXX Report for XXXX XXXX XXXX - via Optimum Outcomes - from 2013 - no attempt to collect or notify me of said debt or to validate it has been made to me. I want it off my credit report.
Product: Vehicle loan or lease

I went to a local car lot in XXXX nj XXXX called XXXX XXXX. I never had a car before so when they told me I was approved for a XXXX XXXX XXXX I asked how much was the car. A worker from the car lot told me the car was {$11000.00} with XXXX down. So I said ok. I payed for the insurance and plates. I was given the keys and I drove off. I wasn't given a contract. I never signed anything but the application. I fell behind on a payment, so when I went to pay the payment of {$1000.00} but my bank would only approve {$1000.00} a day the payment was declined and as a result my car was repossessed on XXXX XXXX XXXX XXXX. They took my car and at that point I was told my balance which was {$52000.00}. I never knew what the amount was, I was never told what the amount was nor the apr. They asked me did I want the car I told them no!!! And, that the car was way too expensive. The car has been in repossession for four years but everytime i check my credit this company credit acceptance has it on my credit like the car was recently towed. Its hurting me I can't get a loan from anyone. 
Lastly, Its not right and it's very unfair.
Product: Credit card or prepaid card

I mailed out a debt validation letter to Capital One on XX/XX/2021 requesting for them to validate the alleged accounts ending in XXXX and XXXX. They have not responded to my letter that was received certified mail. I entered into a consumer credit transaction w Capital One which no cash is supposed to be excepted by the lender. capital One is in violation of 15 US C1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. Capital One in fact took cash as shown in the attached labeled exhibit. I have found 20 protected consumer right violation under 15 USC 1692 and USC 1605 that I have presented as exhibit w a signed affidavit of truth. I also have a recession letter exercising my right to rescind pursuant to 15 USC 1635. XXXX XXXX is in violation of 15 USC 1611. XXXX willfully and knowinly failed to provide and disclose information required under the provisions of 15 USC 1601. They are now criminally and civilly liable. I have mailed attached documents to XXXX as well.
Product: Debt collection

I filed for bankruptcy in XXXX. I contacted my lender, Bank of America, on my first and second mortgages. I successfully obtained a First Responders modification loan on the first mortgage on XX/XX/XXXX, and continued contacting Bank of America to resolve my second mortgage with negative results. A short time later, I received a letter dated XX/XX/XXXX, from Bank of America stating the second mortgage was in the process of a lien cancellation -no further communication from Bank of America XXXX 

Ten years later, I received a letter postmarked XX/XX/XXXX, from XXXX MI. The enclosed letter dated XX/XX/XXXX, from XXXX XXXX states they are a current holder of a promissory note with a due date of XX/XX/XXXX, for {$500.00} and a current amount due of {$66000.00}. 

I feared I was dealing with a scam. I immediately filed a dispute with XXXX XXXX  on XXXX XXXX. 

I received a postmarked envelope from XXXX XXXX  dated XX/XX/XXXX. The enclosed letter was dated XX/XX/XXXX, with a debt verification response. The letter stated XXXX XXXX XXXX XXXX XXXX North Carolina paid a claim to the original lender, Bank of America , N.A . Under the insurance policy, the lender was required to assign all rights to XXXX XXXX so that we may pursue our own loss mitigation efforts. XXXX XXXX transferred the loan to its new servicing entity, XXXX XXXX  XXXX XXXX, who is now the owner of the loan. 

This was the first communication I received in ten years. XXXX XXXX and XXXX XXXX  have the same address. 

On XX/XX/XXXX, Bank of America misled me by stating the second mortgage lien was in the process of completion. Bank of America and XXXX XXXX failed to disclose the outcome of my second mortgage. XXXX XXXX never notified me or declared they were holders of the note from Bank of America in XXXX. Their negligence and failure to disclose denied me the opportunity to reaffirm or negotiate a settlement for my second mortgage in XXXX. 

The big banks colluded with investors and insurance companies to buy seconds for XXXX  on the dollar. They were lying in wait for folks like myself to regain their financial health and equity and then attack a decade later. There has to be some accountability not to mention multiple regulatory violations for bad faith. 

As a retired XXXX XXXX XXXX, I am mortified Bank of America misled me on the outcome of my second mortgage. After surviving the Great Recession, I am now being financially ambushed by XXXX XXXX. 

I am contacting legal counsel and asking CFPB for guidance on this nightmare that should have been laid to rest a decade ago.
Product: Credit card or prepaid card

On  XXXX   XXXX  I mailed a check in the amount of {$2700.00} to  Macy 's   XXXX   XXXX  , to be paid towards my credit card balance. For  3  weeks I waited and they told me they never received it. On  XXXX   XXXX    XXXX   I called my bank and they said  Macy 's  cashed the check on  XXXX   XXXX    XXXX  . It still did not reflect on my account. So I called Macy 's to ask where my money went and they said they 'll need a form faxed from the bank to confirm payment. The bank faxed the form and I called  Macy ' s back to see if they received it. They said they 'll need to investigate and it could take up to  2  billing cycles  ( 2 months )  to get it corrected. I severely needed this check to go through to  Macy ' s as soon as possible and now they are at fault and not taking proper measures to ensure customer satisfaction.     I JUST FILED A COMPLAINT THROUGH THE CFPB AND WAITED AND WAITED UNTIL I FINALLY HEAR BACK FROM  MACY ' S AND THE CFPB REFERENCED THE WRONG ACCOUNT!!!! MY ACCOUNT NUMBER ENDS IN  XXXX .     NOT  XXXX !!     CORREC T MACY  'S ACCT NUMBER -  XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Failed To Validate Alleged Account Due The defendant " Cedar Financial '' failed to validate an alleged account due. All they did was send an invoice or a statement. They never supplied an agreement, application, or contract with my signature on it. They never presented me with an itemized breakdown of the alleged account due. It is my opinion that the defendant is in potential violation of Federal and State Debt Collections Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX  XXXX ACCT # XXXX 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.