23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I am filing a formal complaint against Bank of America for their mishandling of my claim involving fraudulent and unauthorized charges to my EDD benefits account. Despite providing all required documentation to verify that I am a victim of identity theft, Bank of America has repeatedly dismissed my claim without conducting a proper investigation, in violation of federal regulations and their own {$0.00} Liability Policy. 

The fraudulent charges occurred shortly after deposits were made to my account. I have submitted the following documentation to Bank of America to support my claim : Identity theft report from the FTC. 
Government-issued identification. 
Additional supporting documents verifying that I did not authorize or make the transactions in question. 

Despite this, Bank of America has denied my claims, citing the proximity of the withdrawals to the deposits as justification. Additionally, they provided me with documentation showing the dates and times of deposits and withdrawals to the account. However, this information does not validate or justify denying my claim. Simply providing transaction history does not constitute a proper investigation. For Bank of America to deny issuing a refund, they must provide evidence and proof that these charges were not fraudulent or unauthorized. 

Instead of fulfilling their obligation to investigate thoroughly, Bank of America has repeatedly sent me generic responses and advised me to contact EDD for a refund. This response is not only dismissive but also unethical, as EDD can not process refunds for funds already distributed to Bank of America. 

Key Concerns : 1. Violation of Regulation E ( Electronic Fund Transfers Act ) : Bank of America has failed to conduct a proper investigation as required under Regulation E, which mandates that financial institutions resolve claims of unauthorized transactions. 
2. Failure to Honor {$0.00} Liability Policy : Bank of Americas advertised {$0.00} Liability Policy for unauthorized charges has not been honored, leaving me unfairly responsible for fraudulent activity. 
3. Inadequate Investigation : Providing transaction history or dates and times of withdrawals does not prove the legitimacy of these charges. A proper investigation should include evidence and proof that the transactions were authorized by me. 
4. Harmful Financial Impact : This unresolved issue has caused me significant hardship, including eviction and denial of housing opportunities, directly resulting from Bank of Americas failure to address this fraudulent activity.
Product: Mortgage

We moved in XXXX XXXX and our mail forwarding request was active from XXXX XXXX - XXXX XXXX. Our mortgage lender, Wells Fargo, never changed our records to our new address, even though they had access to it, so all of our personal financial loan information was continually sent to the old address. In XXXX XXXX, we received XXXX letters from Wells Fargo at our new address, so we know they had the new address available, but they never changed our files. In XXXX XXXX, Wells Fargo filed an insurance claim on our old property. The loss was from XXXX XXXX, when we still owned the property and were clearly listed as the insured on the claim. Since our address was incorrect, we did n't receive any of the information about the claim - it went to directly into the hands of the renter at our old address. He opened our mail from Wells Fargo and/or XXXX ( the insurance adjuster ) and used our personal loan information to contact Wells Fargo. In XXXX XXXX, we received a letter from Wells Fargo addressed to the renter, but cc 'd to us, stating they were sending the renter a check based on that insurance loss. They sent him 2 checks totalling {$20000.00} off an insurance claim from when we owned the home and under our loan number. Not only did Wells Fargo hand him all our personal data by never properly changing our records, but they allowed him to contact them and speak with them regarding our loan and our insurance claim. Wells Fargo sent an apology, saying they messed up by sending him the money, but also stated their error did n't harm us because we were n't owed the money. Our mail was opened, our personal information was breached, and Wells Fargo allowed someone to contact them several times using our account information and swindle them out of nearly {$21000.00}. For the bank to say " oops, sorry '' and expect us to sweep this under the rug is beyond insulting. We have no idea how long this will affect us or how far this man will go to use our information for his own gain. Wells Fargo has a responsibility to us and they failed miserably at it. Our personal, financial information was handed over to someone else AND he was allowed to gain access to the largest financial loan we have.
Product: Debt collection

XX/XX/2022 XXXX XXXX i receved a call from XXXX XXXX police department economic crimes unit on XX/XX/2022 from detective XXXX XXXX # ( XXXX ) notfy me they arrested two people who had all my information. they had my ssn id and cell phoe they ask if i gave them permission to have my belongs i replyed no and like two yaers ago somebody broke in to my car stoled at my partner work place with all information for some to use my name for any reson and now two years later i recived calls and debt collection letters from protfolio recovery aassociate llc own your account basically from capital one servive llc XXXX XXXX XXXX XXXX XXXX, ut XXXX them stating i have an account with them witch i never opend with they clam my acount number is XXXX and that i oew them over XXXX dollers i talked to them befor about it they wont freze my acount they keep sending me letters they even gave me a differnt address on the account witch that i never heard or even been at that location the adress on the statement is XXXX phaffle dr. bakersfield ca XXXX XXXX i never resedent nor lived in that adress im still resiving bills for that account if need to know more information like proff of this my email XXXX my # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent my first dispute letter, dated XX/XX/2019 to Equifax and they received the letter via certified delivery on XX/XX/2019 @ XXXX XXXX. I NEVER received a written response from Equifax regarding this matter. This credit bureau was clearly in violation and not in compliance of the 30 day rule in responding back to me. I reached out again in sending a second dispute letter, demanding they remove the inaccurate, incomplete and erroneous accounts as outlined in my first letter because of their non response and again, being in violation of the 30 day compliance rule. This second letter was dated XX/XX/2019 and Equifax received it via certified delivery on XX/XX/XXXX at XXXX XXXX. Again, I received NO written response from Equifax, who was clearly in non compliance of the 30 day response rule and Now ... in violation and not in compliance of the 15 day response rule. Also, all mail coming to my residence is tracked on the USPS Daily Delivery Digest. To date, there has not been any mail/correspondence sent to my attention from Equifax. I am attaching all relevant support I sent to Equifax and am now including for this complaint.
Product: Credit reporting or other personal consumer reports

Somebody tried to open a loan with my information at XXXX XXXX XXXX. XXXX sent a hard inquiriy to the credit bureaus that i did not create. I filed a police report with the XXXX police department ( Police Pepartment Notice Distribution Number XXXX ). I immediately and easily put a fraud alert on my credit files with all 3 bureaus, and easily froze my credit with XXXX and XXXX. However, Experian has been a problem with every step of this : First, I was not able to urgently freeze my credit with Experian for many important days. The automated phone system would not let me do it, and it would simply direct me to the experian website, which has continuously not let me log in or reset my password, and has given a " we are experienceing technical difficulties '' message for days. I have taken screenshots and screen video of this message, trying to login from XXXX computers, pc computers, and at both my office, home, and XXXX  's house. I still can not log in, and can not get through to any human being on the phone, as the automated system says it can not put me through to an agent. 
After wasting days and filing a complaint about not being able to freeze my credit, suddenly, the phone system says it was able to freeze my credit. HOWEVER : THE PHONE SYSTEM SAID I WOULD BE SENT A PIN # TO UNFREEZE MY CREDIT IN THE FUTURE, AND I NEVER GOT IT. THEN THE AUTOMATED PHONE SYSTEM SAID IT WOULD GIVE ME A CONFIRMATION NUMBER OF THE FREEZE, AND HUNG UP ON ME. I still can not log on to the experian website to fix any of this, and there is no support. ALSO AS A RESULT OF NOT BEING ABLE TO LOG IN TO MY EXPERIAN ACCOUNT< OR EVEN CREATE ANOTHER ACCOUNT OR ANYTHING ONLINE FOR THAT MATTER, I CAN NOT DISPUTE ANYTHING ON MY CREDIT REPORT< INCLUDING THE HARD INQUIRY SENT BY XXXX XXXX XXXX THAT WAS FRADULENT. 
I have a credit score that is essentially perfect, and have for years, and I will be proctecting my rights, which are clearly being violated, to the fullest extent allowable by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed fraudulent inquires on my XXXX, XXXX, and Equifax reports. Have mailed in multiple dispute and still see the inaccurate/fraud inquires, XXXX XXXX 1. XXXX/XXXX 2.  XXXX 3, XXXX 4 XXXX Equifax Inquiries 1.XXXX  2 . XXXX   XXXX  3. XXXX  XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6,  XXXX 7. XXXX  XXXX  8. XXXX XXXX 9, XXXX XXXX 10. XXXXXXXX XXXX 11. XXXX 12. XXXX XXXX  XXXX  XXXX XXXX 1.XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX/XXXX 4.XXXX XXXX 5 , XXXX XXXX 6.XXXX XXXX  7. XXXX XXXX XXXX 8.  XXXX XXXX 9. XXXX XXXX XXXX 11 . XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, FILE # XXXX I am writing to formally dispute the inaccurate information on my TransUnion credit report and to demand immediate compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681.

1. Address Correction You have failed to update my address correctly despite my prior requests. My correct address is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX I demand that you update my credit file immediately with the correct information and remove any outdated or incorrect addresses that are no longer valid. Failure to do so constitutes a violation of my consumer rights under the FCRA. 

2. Dispute of Negative Accounts & Failure to Properly Investigate Additionally, I am disputing the following negative accounts on my credit report as they are inaccurate and unverifiable : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Despite previous disputes, TransUnion has failed to conduct a reasonable reinvestigation as required under 15 U.S. Code 1681i. If you can not verify these accounts with proper documentation, they must be deleted from my report immediately. Your failure to comply with this law is an ongoing violation of federal regulations. 

You have also stated that my idenity theft dates dont match to the negative tradeline, how could this possibly be true? You are not investigating properly and breaking federal alw under FCRA.The dates are 100 % vaild to these negative fraudelent tradeline. In fact, the distrubter has no dates to match this tradeline but I have provided that aswell! All attachments are belowXXXX is in violation of FCRA 15 U.S. Code 1692e and 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) & ( B ). XXXX XXXX has a 90 day late payment in 1 month after they claim I paid the month before, how is this accurate? Its not, If a creditor claims a debt is forgiven or canceled but does not issue a 1099-C, they may be misrepresenting the status of the debt under 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ). Never received anything from XXXX, another violation.
Product: Debt collection

I am attempting to get my credit fixed and have contacted the three credit reporting agencies about two accounts that do not appear to be legitimate. I just received the results back today from XXXX stating that the two collection accounts are accurate. 

When I explained that they could not be accurate because of the dates both accounts were opened, the XXXX contact told me the company, XXXX XXXX, assured them in a certified response. 

When I asked for a copy since it was obvious XXXX wasn't going to actually make XXXX XXXX prove I opened an account with them, the XXXX contact told me XXXX XXXX is not required to give them any proof of the account! 

I asked to speak to a supervisor at XXXX, but after a long hold, I was told there were no supervisors available and they would have to call me back ; that was several hours ago and no call as yet! 

It does not appear that disputing an account on your credit report does any more than cause the CRA to contact the company and asking them if the account is valid and if they say it is, XXXX   takes their word for it. 

I want proof that this company has something to show that I owe them money. I don't ever remember dealing with a XXXX XXXX. AND I KNOW FOR SURE, I HAVE NOT TAKEN AN ACCOUNT OUT WITH THEM OR ANY ONE ELSE IN XX/XX/XXXX OR XX/XX/XXXX!!!
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer and Im making this complaint against Merchants & Medical Credit Corporation , Inc. for committing identity theft. I have never given Merchants & Medical Credit Corporation , Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Merchants & Medical Credit Corporation , Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Merchants & Medical Credit Corporation , Inc. continues its collection efforts, I will file for litigation for actual damages caused and Merchants & Medical Credit Corporation , Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant CC XXXX. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute the ongoing verification of an account listed on my credit report. The attached letters provide clear evidence that the information being reported is inaccurate. Despite this, the incorrect information has not been updated or removed and continues to appear as accurate. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a thorough investigation of disputes and the correction of inaccurate data. I request that you promptly reinvestigate and ensure the inaccurate information is corrected or removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent difficulties I have encountered in attempting to remove fraudulent items from my credit report. Despite numerous attempts to address this matter, the inaccuracies persist, posing a significant threat to my financial well-being and causing substantial distress. I have attached my supporting documents including my Driver 's License and Social Security Number.

These fraudulent items are severely impacting your credit score and causing financial distress, providing specific examples if applicable.

Under the Fair Credit Reporting Act ( FCRA ) it is the obligation of Credit Bureaus to conduct a fair and thorough investigation into disputed information.

I am requesting for your assisstance to resove this issue promptly, and to work with the relevant credit reporting agencies to address the persistent inaccuracies related to the fraudulent items.

I am deeply troubled by the continued presence of fraudulent items on my credit report, despite my numerous attempts to rectify the situation. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to promptly remove these inaccuracies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$87.00} XXXX  XXXX XXXX Balance : {$100.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$8800.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received messages from capital one that my card has stopped receiving payments. I do not have the card in my possession or pay the bill, it is in my name and the person who has received it named XXXX XXXX apparently stopped doing this. she uses the card as a tool of abuse as does her family who are targeting me as law enforcement informants in the CA DOJ, FBI. She apparently relocated from XXXX to the XXXX area but I dont have the address. When I received these emails from Capital One I could not log into my account. The issue is I need to establish that due to severe hardship I can not currently pay the capital one bill, There are only revolving accounts linked to this card, it is a very sick disturbing situation in which XXXX is aware i can't leave living situation I am in. I need to request that capital one put a stop payment and extended grace period - however, I am not able to log into my account. Furthermore, I have no phone in which to call. I need to be able to use email to establish what my options are and for them to immediately pursue any option I can. I am not only without work, but I am not able to leave my home environment - it is something XXXX and her family conspired and have taken advantage of. I do not have the card in my possession, according to the email it ends in XXXX. Furthermore I do not know the billing address. As stated it is a very unusual situation of abuse, so I am not able to deal with this problem without capital one emailing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX  and all credit bureaus. This fraudulent accts was deleted in XXXX & placed back on my consumer profile this month. I am tired of my report being impacted with this fraudulent account per 15 USC 1602 & 15 USC 6802! 

Please remove this account permanently it is ruining my reputation and messing with my mentality! Please remove from Equifax and XXXX I have also contacted all parties, my next step is litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting this inquiry be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order
Product: Mortgage

I did a refinance with Bank of America. I have owned this investement property for 10 years and have paid a total of {$35000.00} in PMI as the loan to value was not XXXX %. the PMI payment is {$300.00} a month. currently the LTV is over XXXX %. Owe XXXX and appraisals are coming back at {$410000.00}. I have requested 5 times total to remove and they refuse. Also apparently they changed the terms in the refinance that it is now XXXX % LTV and minimum 2 years before they will look at it. I have offered to make a one time payment to reach the XXXX % and they said they would be happy to take my money but would have to again apply to get PMI removed. I do n't understand. Unprofessional. Bank of America is taking advantage of there consumers and not notifying them of these line items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going rounds with Trans Union now for over a year. I submit the documentation they request, XXXX., FTC Affidavit documents, police report Trans Union claims to be " investigating, '' yet I get no confirmation of an investigation or the outcome. Trans Union does to be punitive by locking out the ability to dispute information through their website. I pay monthly for credit monitoring for the sole purpose as new fraudulent information appears, I can dispute it and have it removed, so it does not do further damage to my credit report or score.