23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Someone filed for unemployment benefits under my account and then the funds were transferred from my XXXX XXXX  card to an account that is not mine. At the time this took place I was working and therefor not filing for XXXX for a long while. Once I needed to certify for benefits I discovered the fraud ; I found all these certifications and transfers that I did not make. XXXX told me to contact the bank since they are the institute that transferred the funds out of my XXXX debit and to an unknown account. I contacted Bank of America and reported the fraud. They were not helpful and claimed they couldn't tell me where the money was transferred. I filed a fraud complaint outlining all the dates and amounts along with screen shots of my bank account that is linked to my XXXX card, showing that I did not receive any deposits. Bank of America declined my request to have the fraud resolved/ reimbursed without explanation. I appealed and was a agin denied without explanation.

The frauds took place XX/XX/XXXX - XX/XX/XXXX. These are the frauds : Fraud with my XXXX account ending in XXXX XX/XX/XXXX - {$510.00} XX/XX/XXXX - {$510.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$510.00} XX/XX/XXXX - {$510.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$510.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$200.00} = {$4000.00} I filled fraud charges with the bank but was denied as they said it was an issue to be handled by XXXX. I called numerous times ranging from XX/XX/XXXX - XX/XX/XXXX. BofA denied the claim on XX/XX/XXXX. On XX/XX/XXXX I requested an appeal & faxed proof to XXXX. I was told this was a matter that had to be handled by the XXXX XXXX XXXX. When I was unable to reach anyone helpful on the phone I filed a fraud dispute through the XXXX website on XXXX reference number is # XXXX. I never received any response so I submitted a fraud complaint online again on XX/XX/XXXX, the reference number is XXXX & receipt number is XXXX. I also followed up with the Fraud Hotline # XXXX ( le` message XX/XX/XXXX ). Nobody ever returned my message. At the time I was not working and it was imperative that I be able to file for unemployment. This fraud created great distress for me and it was unbelievable that the agency involved offered no help. To make matters worse, I received a 1099 for the stolen funds and had to pay taxes on the stolen money.

I request that you please step in and help me with this matter. I have documents to support everything I explained above.
Product: Mortgage

1. What we thought was a 30 year mortgage was a 15 balloon mortgage that matured last XXXX during Covid Crisis.

2, BMO holds our mortgage and we have tried to secure a refinance, but they say we are behind in our monthly rent. We were not.

3. We have been paying our monthly rent up to XXXX and they stopped talking our money. When I asked why, no one knew, in fact four supervisors said, " I have not seen anything like this before ''.

4. We are trying their loan Mitigation, we gave them paperwork they asked form, but they want more, in the meantime, BMO is ready to foreclose on our house.

5. Loan Mitigation knows we have the money to pay the rent each month, I believe they are stalling.

6. Can you help, we do not want to lose our house, we can pay the monthly rent, we just need to refinance!
Product: Checking or savings account

My name is XXXX XXXX on XXXX XXXX my son XXXX XXXX XXXX passed away. XXXX had a checking account with Huntington Bank XXXX XXXX, Indiana ) when i was notified XXXX XXXX was in the hospital by someone who had brought XXXX 's house keys and Identification to my home, XXXX 's cellphone was not among the items person brought too my home. One of the cards was an Huntington debit card. I made calls to Huntington Bank as well as another banking institution i was told they could not close the accounts without a death certificate, Court probate affidavit or Affidavit For XXXX XXXX XXXX XXXX. 
XXXX was laid too rest on XXXX XXXX. The death Certificate was signed and released on XX/XX/XXXX by the state. We went into Huntington Bank with all required documentation of Drivers license, Affidavit for transfer of assets without administration and death certificate. It was discovered an Fraudlent transaction had happened on XXXX account on XXXX XXXX in the amount of {$450.00} in XXXX XXXX XXXXXXXX XXXX Cell XXXX XXXX it was maybe 41 days since XXXX death, we were told too wait 45 days. Huntington replaced the {$450.00} cents back into XXXX account. XXXX did not meet the states Probate courts guideline. I spoke to an XXXX of Huntington on today XXXX, she informed me they would not be releaseing funds to me, his next of kin, they were withholding funds too go into Huntington XXXX. At the same time yhey are allowing XXXX too still process through XXXX account placing it into a {$58000.00} negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A XXXX XXXX XXXX XXXX VICTIM OF ID THEFT. XX/XX/2020 I recieved XXXX  Notice of Investigation into USAA ACCOUNT DEBT FTC ID THEFT ( see attatched report ) case XXXX VERIFYING WRITTEN DOCUMENTATION SIGNATURE & XXXX LICENSE TO VERIFY I OPENED THIS ACCOUNT.??? SUDDENLY XX/XX/2020 USAA STOPS VERIFYING ME USING MY INSURANCE DATA SERVICES PROFILE AS THEY HAVE BEEN DOING THE PAST 35 YEARS.?? SUDDENLY USAA DEMANDS MY DRIVERS LICENSE WHAT? HUH? WHY? TO RECOVER A PROFILE ON ACCOUNT I HAVE CONFIRMED I DID NOT OPEN?? VERY SUSPICIOUS USAA. MY COMPLAINT IS USAA IS DEMANDING I RECOVER A PROFILE NOT MY ACCOUNT. I DO NOT TRUST USAA. ( ** HOW SNEAKY JUST AFTER XXXX  WILL BE REQUESTING DOCUMENTATION FROM USAA, USAA REQUESTS DOCUMENTATION FROM ME * THEY HAVE NOT NEEDED PREVIOUSLY?? ) AGAIN WHY WOULD I WANT TO APPEAR I DID OPEN AN ACCOUNT I DID NOT OPEN?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I was looking on my credit report and I see XXXX  is reporting XXXX XXXX  XXXX charged off account as open when its closed. Second, The balance is {$12000.00} but XXXX is reporting {$15000.00} on my credit report. XXXX reporting that on XX/XX/2018 at the public auction {$8000.00} was paid on this account from {$20000.00} which shouldve brought the balance to {$12000.00}. I included a copy of my credit report that XXXX  mail to me on XXXX/XXXX/219 which shows a payment of {$8000.00} and a charged off balance of {$20000.00}. XXXX has been illegally reporting {$15000.00} since XXXX of 2018 which damaged my credit and had me stressed. That was 1 year of false and illegally reporting that damage my character and reputation. XXXX is reporting incorrect, inaccurate, inaccurately reporting. 

Please DELETE this account immediately!!! Under the Fair Credit Reporting Act, EVERYTHING IN YOUR REPORT HAS TO BE 100 % ACCURATE and CORRECT OR IT MUST BE DELETED!!
Product: Checking or savings account

Hello, this is a follow up complaint concerning the same company, Citizens bank. please reference my previous complaint # XXXX. I had received notice from you stating that my complain was sent to Citizens on XX/XX/XXXX. On XX/XX/XXXX I received an email from the Office of the Chairman at citizens, from the same woman ( XXXX XXXX ) I had spoken with previously, who denied my claim twice before. It stated, obviously after getting notifed by CFPB, that she was in receipt of my concern regarding a disputed transaction and that she tried to reach me by phone but was unsuccessfulI. I had not received a call, but responded by email that I wasnt sure why she was calling and to respond by email back to me as I could not reach her by phone either!! Which was part of my complaint. Then on XX/XX/XXXX I received an email from CSPB saying that the company ( Citizens ) had responded that they were still working on my claim. As far as I knew and was told by this XXXX XXXX from the Chairmans office, that my claim was denied so that was not accurate. On XX/XX/XXXX in the mail I received an envelope from Citizens Bank, in it was a blank white paper with Citizens Bank in right hand corner and the date XX/XX/XXXX and my name and address heading in the upper left hand corner. A separate piece of paper followed and it was a check for XXXX!? The top part was the non negotiable agent copy the bottom half showed an official check XXXX, dated XX/XX/XXXX pay XXXX to Me with my address. In the memo it said OLB Claim XXXX which is the claim I filed with them, but for XXXX, not XXXX. There was no explanation of why or what this check was for. I contacted someone from your office to see if there was any further settlement deal etc.. and was told that CFPB still had the complaint as open. This appears to be a payoff of some kind and is Not the full amount that I had lost or requested returned. Once again the communication with Citizens is horrible. I appreciate any feed back on this when appropriate thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my auto loan that was repossessed and charged off with Regional Acceptance. I submitted XXXX finalized divorce decree through XXXX to them that stated my ex husband is to be in charge of the remainder of the debt and Regional Acceptance will still not remove this from my report despite having a copy of a legally binding document.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXX, GA XXXX Medical XXXX Balance Owed : {$680.00} Medical XXXX Balance Owed : {$680.00} Medical XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$750.00} XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

At about XXXX on XX/XX/year> a payment of {$450.00} was taken out of my account. The exact amount that I paid the day before. Later that day another payment of {$78.00} @ XXXX and then another payment @ XXXX of $ XXXX. All these payments were made via in the store. But, where duplicate of the same exact transaction that I made the day before. The last payment of {$44.00} I told the cash app to lock the account and to also get rid of the card. Not even 2 hours later. The hacker was still able to get into my account and take money thats not in my account. I cant make a dispute on something thats not there. I cant lock a card on something thats not there. When I call cash app they tell me my information is incorrect. And I know its correct. The chat service is absolutely no help!!!
Product: Credit reporting

Transunion has on their my credit report that I have a job stating RETIREMENT/ALIMONY/SSI AS NEW EMPLOYMENT AND i DO NOT WORK I RETIRED IN 2005 AND RECEIVE RETIREMENT PENSION AND SOCIAL SECURITY. THEY REFUSE TO TAKE THIS OFF OF MY CREDIT REPORT AND I WANT TO KNOW WHERE DID THEY GET THIS FRAUDULENT INFORMATION. IT NEEDS TO COME OFF OF MY CREDIT REPORT, I DO NOT HAVE NEW JOB. WHAT DO I DO TO REMOVE THIS?
Product: Credit reporting or other personal consumer reports

On XX/XX/year> CFPB complaint XXXX was filed against Equifax for willful violations of 15 U.S. Code 1681c1 for its repeated failure to place an extended fraud alert for a victim of identity theft. On XX/XX/year> Equifax sent three separate mailings : 1 ) Remedying the Effects of Identity Theft 2 ) A refusal to block information pursuant to Section 605B ( c ) and requesting production of proof of identity and the specific informatoin that is a the result of identity theft. ( Be aware no request to block any information was submitted ; only the request for the extended fraud alert due to victims of identity theft. There are more types of identity theft than credit fraud ) 3 ) Requesting proof of identity : provide proof of complete 9 digit SSN ( previously provided multiple times and included with the above mentioned complaint ), and proof of residence at at incorrect address which is an office building.

All of these were mailed to the incorrect address that was never requested to be changed and the sending of these mailings about a consumer file to the wrong address constitute a data breach.

I contacted the call center to resolve the matter and was advised I needed to mail my request Equifax attn : Dispute Department, XXXX XXXX XXXX, XXXX, GA XXXX where a specialty team would assist with my request. This is the same address that I have been mailing since XXXX of this year and had all requests fail and resulted in the above complaint that is currently open. 
The level of negligence involved is staggering.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report via XXXX I saw this a lot of addresses reporting in it. I onced heard that this addresses may contain accounts that is not yours. Please help me get this removed. Thank you! Here are the addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX
Product: Checking or savings account

I have two bank accounts and I will attach bank statements on my first account closed by PNC on XX/XX/XXXX and account number XXXX and XXXX was wire out of my account without my authorization to an unknown account in XXXX I will include the statement sent from the bank the money sent to this account without my authorization and I dont give PNC the right to send my funds to that account and I dont know why the will send XXXX to an account I dont give them authorization the wire was done without my permission because the suspected fraudulent activities and the send all of my money to someone I dont recognize or authorized The second account account number XXXX I can see another wire was done out of this account to the same XXXX account and this account has never done wire to a XXXX account this account has never received any wire or sent out wire I dont understand why the will send all of my funds to an account I dont give them authorization and cant recognized this XXXX was wire out of my account on XX/XX/XXXX without my authorization I have paperwork from the bank saying it was sent to this account I dont authorize this wire out of my accounts and I wont stop going to the branch still my money can be traced track and refunded back to me I dont recognize or authorized the bank to wire my funds to this accounts I will be going back to the branch everyday and will have this figured out I wont let the bank do this wire money out my account because of suspicious and to an unknown account claiming the were retuning funds I have never received a wire of XXXX the bank send my funds to someone I dont recognized and didnt authorized I do what ever it takes to have my hard earn savings back to me no matter what it takes me I will have my money I go to the branch everyday the bank should take accountability for wire out money out of my account without my authorization and needs to refund me to solve this amicably because this will be the only way out
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 60 )  days late on the XXXX/XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Mortgage

Ever since my accounts were transferred from  XXXX   XXXX  to Huntington my mortgage account and funds have been severely misused. I knew my payment would be due around the beginning of the month in  XXXX , about the same time that the transfer happened. On  XXXX  I called to be sure my mortgage account would still be paid automatically. the first person I spoke to said it 'might not ' be. The second person I spoke with said it 'should ' be. I spoke to several different people because I had not, and still have not, received any debit card or checking account statements and could not setup an online account. Later that night I was able to login to the online account and while picking around at it I noticed that all of the information including the amortization schedule showed that my next payment was due  XXXX  so it would seemed the automatic payment had indeed been made. However it also showed that my next payments were going to be going 100 % toward interest- every penny. I questioned this ( again on the evening of  XXXX  ). On  XXXX  I received a response stating they were looking into it. On  XXXX  I again reached out stating that I did not want to make further payments until this was corrected, and a few days later I received a call saying that they were still looking into it and had put a note on my account to not be charged any fees during that time. On  XXXX  I began receiving calls asking " when I was going to make my payment '', even though there was no actual 'payment due ' as can be seen in my statements. When I responded that I was waiting until the issue was cleared up they reassured me multiple times that it was. I made a payment in the usual amount ( payment plus some extra for principle ). Around  XXXX  I received a statement showing that not only was 100 % of my regular payment indeed applied to interest only, but my " payment due '' for  XXXX  was  DOUBLED! In  other words, they blatantly lied to get me to pay a payment that they completely mishandled and/or have switched my loan type to an interest only loan without any consent or notice whatsoever then DOUBLED my payment! It is beyond frustrating that larger companies can do this with no consequence, and I 'm sure I am not the on ly one they h ave done this to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I Have Realized In Accordance With The Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX Has Violated My Rights 15 U.S. C 1681 Sections 602 A States I Have The Right To Privacy 15 U.S. C 1681 Sections 604 A It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions or Consent Also There Was A Hard Inqury That Bank of America Bank And XXXX XXXX XXXX XXXX XX/XX/XXXX Without My Knowledge As Well
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Experian dated XX/XX/2018 informing that there is a negative report by North Carolina Bankruptcy Court and Department of Treasury Internal Revenue Service Federal Tax Lien against my social security number. I did get a response but they did not address the issue. I also submitted documents supporting my request. I will be submitting the documents to you as well. In my attachments you have only one letter to XXXX. However, Experian also received the same letter, dated the same as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with old addresses and information not current or accurate on my credit report. 
My name is XXXX XXXX XXXX My SS is XXXX My DOB is XXXX My Employer is XXXX I have am no longer associated with the following addresses please delete them the are not accurate. Please remove me from all per-screen products and OPT OUT my name of data base services. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Debt collection

Wells Fargo attempted to collect on a debt during protected times on business phone and continued to call after I alerted them it was a business phone. Calling multiple times per day.
Product: Debt collection

Im receiving phone calls about a debt I do not owe and that has not been validated through writing. Per section 609 of the FCRA I requested written proof of the original debt and have not received anything.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. Over the past couple of years, I have continually tried to get these inaccurate alleged accounts removed from my consumer report. EQUIFAX, XXXX XXXX, and XXXX  is constantly violating my federally protected rights. They continuously keep failing to provide me with TRUTHFUL PROOF on how they are validating the alleged accounts. I AM FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!! As shown in the attachments, I have sent numerous letters. - PLEASE SEE ATTACHMENTS