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

This incident of fraud against our Bank of America account was more than likely prompted by my wife being robbed on XX/XX/year>. Her purse was stolen which contained her drivers license, bank cards, credit cards, and her cell phone. Then on XX/XX/XXXX, I received a cell phone call from XXXX XXXX and the individual identified themselves as a member of the Fraud Department of Bank of America. They stated that they want to investigate our bank status to assure us that our bank profile had sufficient funds. They sent me Bank of America security notifications with the BofA logo and asked for the information after I received the code. They did this repeatedly and I questioned the reason for this action. Eventually, they made a contact with Bank of America and impersonated me and asked me to not speak as they needed to speak on my behalf. I questioned this and hung up. Evidently, they were able to take care of the wire transfer and sent it to XXXX XXXX. I questioned why they were speaking for me and additionally, they tried to have me go to a local BofA branch to make a withdrawal on their behalf. As I stated, I hung up on them. I questioned the actions, and they stated that it was part of the process. I question the use of the notification codes with the BofA logo as these codes opened up the online banking. How were there able to secure these codes? Also, in the past, with any sizable purchase or withdrawal, Bank of America has directly contacted me for security reasons to make certain that the purchase or withdrawal was specifically me. This never happened! Why not? There needs to more security in cases, and in this case, we were defrauded of XXXX from our checking account and our credit cards. We received no check-in with our account. The money went to XXXX XXXX  with no recovery available as the money was immediately cleaned from the account. So, impersonation of the fraud department individual, impersonation of security codes ( how did they get them ) impersonation of me in a phone call to Bank of America, and then no additional check with us on the wire transfer which I didn't authorize. I took this to the corporation level with customer care and received no willingness to accept any claim on our part. We have had no willingness from Bank of America to help us out financially. The credit card claims were denied 3 times as we tried to get Bank of America to accept some responsibility. None was taken by Bank of America. Loss XXXX dollars We have been customers of Bank of America for over 40 years, and nothing was done for us to accommodate our loyalty. They have used our money for that length of time, but nothing has been done for us in this situation. No check with us before sending the wire transfer. Impersonation of security logos, Impersonating me to speak on my behalf. Why can't they help us out?
Product: Checking or savings account

There is no way to withdraw money from Paypal without paying them a fee or giving them your bank 's login credentials as a ransom. This is not something they warn you about until they have your money hostage. 

Previously, you could link a bank account to your Paypal account using the ABA routing and account numbers. That option still appears on their website but it is disabled. I have tried to use it with three different checking accounts many times over the past several months. It never works. 

The only way to link a bank account to transfer money to is by giving Paypal the login credentials to your bank. Doing so would of course give Paypal access to all sorts of information associated with that account, something else they fail to disclose. 

Trying to link from my bank account to Paypal is blocked by Paypal. My bank was able to make the usual two test deposits but an attempt to move money from Paypal to my bank was blocked by Paypal. 

Paypal is holding money hostage to get people to give up the login credentials to their other accounts. If you refuse, they make you pay a fee. The cheapest way to get money is to pay {$1.00} for a paper check to be mailed, which is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act converging account numbers have violated my rights 15 U.S code 1681 602H I have the right to privacy. 

15 U.S code 1681 604A section 2 Consumers can not furnish an account without my written consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Mortgage

When are you guys ever going to do anything to HSBC /Benefical for their mortgage loan practices. 

You can XXXX and read for days all the issues, Not crediting acct, High interest XXXX 12.0 % ), NO modifications, closing offices and not renewing loans, excessive fees. 

I know Im not the first one complaining to you guys. 

PLEASE HELP!!!!
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX  XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX - XX/XX/year> 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 believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

My phone number was used to receive a zelle at bank of america from chase. Funds were sent to another person. Each bank blamed the other. I was never made whole
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  XXXX : Account number : XXXX, This inquiry is unauthorized. Please DELETE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Account number : XXXX, This inquiry is unauthorized Please DELETE!
Product: Debt collection

This is in reference to case # XXXX they provided documents that are not my bearing my signature. I have uploaded my actual signature. Which is leading us into a legal a hippa law violation and also false misrepresentation with the false signature. I will be seeking legal actions if they can't provide a contact myself and Medicredit. I am going to suit the company. This is the last complaint will be submitting and I next will be seeking a lawsuit. Please compare the signature below. 


This was their response : Medicredit has received the complaint filed by XXXX XXXX XXXX and has conducted a thorough investigation. Account number ending in XXXX was placed with our office on XX/XX/2021 by our client, XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021, a notice was mailed to the address provided by the consumer to our client at the time of service. Account number ending in XXXX was placed with our office on XX/XX/2021 by our client, XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021, a notice was mailed to the address provided by the consumer to our client at the time of service. In an attempt to answer any additional questions regarding the validity of the debt, we have attached, to this complaint, a copy of the itemized bill and signed consent provided by the consumer at the time of service.
Product: Mortgage

My ex-husband secured a loan modification by forging my name and making false statements. As a result of his actions my name is still on a mortgage loan 4 1/2 yrs after divorce decree that can not be assumed nor is he able to obtain a new loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  I have not supplied proof under the doctrine by silence XXXX XXXX XXXX ( no ) XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefor any such debt, in fact therefore exist. 

XXXX is not my account and I demand removal due to FCRA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please read complaint # XXXX Transunion 's response was that I may be a victim of fraud. What the XXXX are they talking about? ONE : I am NOT a victim of fraud. TWO : If I was a victim of fraud has ZERO relevance to my complaint. My complaint stated specifically that Transunion has been deliberately manipulating my credit score to cause me harm as retaliation to previous complaint I filed against their CEO, XXXX XXXX XXXX and emails I sent directly to him at XXXX. I sent those emails to make sure he could NOT make a PLAUSIBLE DENIABILITY claim once I file civil charges against him personally. This latest attack give me more evidence, so thank you for that. In the meantime, TransUnion didn't come close to properly responding to my complaint I filed on XX/XX/2022, Which is now nearly 2 months ago. 
My credit score dropped XXXX pts on XX/XX/2022. Please provide the changes to my credit report from XX/XX/XXXX through XX/XX/XXXX that could have dropped my score XXXX, as I had all positive changes. NOT possible! Answer the complaint?
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion was the result of their non-compliance to my request and frothier refusal of getting the account, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned account for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I hereby inform you that I am the consumer, as defined by 15 USC 1692a ( 3 ). 15 USC 6809 ( 9 ). As a natural person, allegedly liable, I do not know the term Custumer that is used in this document to refer to me in order to try to collect an alleged debt. Debt : a word that is defined in title 15 USC 1692a ( 5 ) is an allegation about an alleged obligation, nothing real. Another title such as 12 CFR 1026.36 ( a ) ( 1 ) ( 1 ) ( e ) Debt means an amount of money, funds or property which has been determined by the FDIC to be deu to the United States form any person, organization, or entity, exept another federal agency. 12 CFR 313.121. In this document I cite some of the violations that this company did when trying to communicate with me in order to try to collect an alleged debt, using the USPS postal mail for its acronym to communicate false, misleading and fraudulent information, with the sole purpose of trying to collect an alleged debt. violating the following codes. Violation 15 USC 1692e ( 4 ). Violation 15 USC 1692e ( 2 ) ( a ) ( b ). Violation 15 USC 1692e ( 15 ). Violation 15 USC 1692a ( 3 ). Violation 15 USC 1692e ( 11 ). Violation 15 USC 1692f ( 1 ). Violation 15 USC 1692g ( a ) ( 1,2,3,4 ).
Product: Checking or savings account

I had fraud on my acc. I did a dispute with bank of america. They where puttin gas for 4 days over XXXX dollars. The bank send me a letter saying that my dispute was denied. I call them they told me someone call me and i say it was authorized. I told them that no one call me. I asked them for info. For them to give me the info where this gas station where located for me to do a police report. They did not wanted to give me info. So know they reverce the charge. XXXX dollars. And they froze my other acc. With money in it. I need help
Product: Credit card

Hello, On XX/XX/year> there was an unauthorized transaction on my credit card for {$89.00} at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ). I reported this transaction to Chase Bank as a fraudulent charge. I received a replacement credit card from Chase Bank in the mail and the charge was temporarily removed ( see attachment XXXX for my statement ). There is an additional charge on the statement for {$3.00}, this charge was authorized by me. 

On XX/XX/XXXX, I received a letter from Chase Bank that I " received benefit from this transaction '' and the {$89.00} charge was re-instated on my XXXX credit card statement ( see attachment XXXX for the letter ). 

I contacted XXXX 's ( owner of XXXX XXXX XXXX ) and they were able to provide me with transaction details regarding both the {$3.00} ( authorized ) transaction and {$89.00} ( unauthorized ) transaction ( see attachment XXXX ). The itemized receipt for {$89.00} has a rewards number associated with the charge ( XXXX ). On XX/XX/year> I did not have any account associated with a rewards number. This proves that since the {$89.00} charge was made with a rewards number, I could not have benefitted from the transaction. The charge for {$89.00} needs to be removed from my credit card statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA reported to XXXX on XX/XX/XXXX that my auto loan account was closed and charged off. This closed status has remained on my credit report since then. I still continue to make payments on the vehicle I continue to have possession of. 
I recently checked my credit report and Santander has now re-aged the closed account date to XX/XX/XXXX. This is a violation of my consumer rights and a violation of the FCRA. Santander Consumer USA is Re-Aging the account to appear as though it is a newly closed account. The account just reached it's 2 years closed mark. I will continue to use my previous credit reports and supporting documentation to fight against this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my 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 consumers to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate. 

remove all accounts that are closed but still keep popping up account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX remove all accounts from this report that are closed but still keep popping up due to fraud
Product: Mortgage

I closed on my home XX/XX/2020, and my loan was paid in full. 

Today is XX/XX/2020, and have yet to receive my escrow refund of {$1800.00}. 

I've contacted Dovenmuehle on seven different occasions to be told when I'd receive my check. My last three conversations in the last three weeks have been that they've issued the check and I should be receiving in the mail. Multiple times I've called them back to ask where my check is to find out that the previous person I spoke to on the phone never actually issued it like they said they would. 

The amount of days they've held on to my funds is a clear violation of RESPA, and they need to be held accountable for dropping the ball on my family so many times. 

At this point, I can't even call their office to speak with customer service. If this goes on any further, I'm forced to seek legal council. 

I've also reached out to them over their websites messaging system. This is the message I sent on XX/XX/2020. 

" Hello, I'm closing on the sell of my home today ( XX/XX/2020 ), so I'm requesting a refund of my escrow balance. 

I've been told it takes 15 days to receive a refund, so I'll be expecting to receive the check by or before XX/XX/XXXX. 

Thanks, XXXX XXXX '' -- -- -- -- -- -- -- -- This is the message I received on XX/XX/2020. 

" Dear XXXX XXXX XXXX, This is in response to your inquiry regarding your remaining funds in your escrow account. We apologize for the delay in our response. 

Our records indicate your loan was paid in full on XX/XX/2020. An escrow refund of {$1800.00} was issued on XX/XX/2020 and sent to your mailing address on file. Please allow up to 15 business days for it to arrive. 

The appropriate release of lien documents were prepared for this loan within state-defined timeframes and sent to your county recorder 's office on XX/XX/2020. 

Please contact your taxing authority and insurance carrier to let them know to send any tax bills and/or insurance bills to you as you are now responsible for making tax and hazard insurance payments. 

We appreciated the opportunity to service your loan. 

While we believe that this response fully addresses the concerns outlined in your correspondence, should you have any further questions, please contact our Customer Service Department at XXXX, or you may respond directly to this message. 

Sincerely, Research Department '' -- -- -- -- -- -- -- - Again, they've resolved nothing. I've been very punctual with checking in on the status of my refund, but I still have not received anything. Dovenmuehle needs to be held accountable for mismanaging my escrow account, and withholding the money that I put into it.
Product: Checking or savings account

My information has appeared in XXXX data breach and from XX/XX/2021 - XX/XX/2021. My debit card was used fraudulently for online purchases for which I received no benefit. My login was compromised due the data breach, which allowed access to XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX " your phone '' application which allows user to receive text via a pc. Using the compromised accounts someone was able to drain my account of over {$200000.00}. Wellsfargo denied my claims sighting that I funded the purchases with wires. The wires were not the funding of any purchases but instead sales of houses and products via online marketplaces.
Product: Credit card or prepaid card

My credit report has been impacted by negative information reported by the credit company ( Comenity ). I contacted Comenity to advise of past unemployment and opportunities for their hardship program. XXXX transferred my call to three different representatives. She advised my account met hardship guidelines. Once, I was able to get in touch with the hardship department. I was placed on hold for twenty minutes to verify my eligibility and process the request. Their system malfunctioned and the representative wasn't able to finalize the hardship request. I recorded the entire incident due to prior negative experiences. I refuse to continue to wait and be affected by Comenity 's lack of accountability and inefficiency. I need mediation with respect to this matter.
Product: Credit reporting or other personal consumer reports

I have reached out to Trans Union twice providing information showing that my account was out of XXXX balance for my XXXX XXXX XXXX XXXX 

On both occasions as recent as XX/XX/XXXX, Trans Union keeps reporting intentional incorrect information regarding my balance. My balance is way below the amount Trans Union continues to intentionally report without verifying.
Product: Checking or savings account

On XX/XX/year> two fraudulent checks totaling over {$55000.00} cleared my account. I noticed the fraud at XXXX on XXXX. I notified the dispute department at XXXX on XXXX when they opened. The rep said there was no timeline on the dispute, and it would take however long it would take ( I was later told by a manager that they have 10 business days to return my money ). The checks were apparently printed from a computer program and a fake signature was attached. I still have the real checks for the check numbers they used fraudulently and made the bank aware of this. I was originally told to expect a provisional credit to restore my account until they can get the fraudulent funds back, but yesterday I was told that under section E of the code they do not have to give provisional credit for check disputes. I was told that " if '' the dispute is found in my favor, then I will get my money back once the bank recovers the funds. At absolutely zero fault of my own, this institution authorized over {$55000.00} out of my personal checking account in one day without so much as notifying me. I have never written a check for over {$1000.00}. They are now suggesting that I may not get my money back and refuse to expedite my process, provide provisional credit, or put me in contact with their internal investigation team.
Product: Debt collection

Datamax corp has repeatedly posted a collection of {$810.00} to my XXXX credit report.