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

On XX/XX/XXXX my balance with Bank of America was XXXX ..... 
They were going to transfer my money into a checking account and the money disappeared. 
They closed my account and didn't respond to my numerous calls to find and replace my funds... 
To the best of my knowledge the money disappeared on XX/XX/XXXX Bank of America in XXXX Arizona on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX. I received a copy of my credit report. I notice you are reporting this account incorrectly. This collection account is not only as OPEN, but also shows a past due balance of XXXX dollars. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Credit card

Purchased an item in XX/XX/year>, and sent item back, and amount was refunded to credit card account. Tranferred form credit card account to checking account, and noticed a {$10.00} charge to account ; called, and was informed that I could not transfer, and that was the reason for the charge, and if the transfer amount was returned, the {$10.00} fee would be wavered. made the transfer and it went into savings account, but everything became confusing at that point. A late fee was added, another {$10.00} fee. I called again and was informed that if I paid the late fee, everything would be fine. Then, I transferred {$35.00} to the credit card account from my checking, and $ XXXX charge was added to the card, When I looked again, the credit card balance was {$48.00}, which I paid. I spoke with XXXX XXXX XXXX prior to depositing the {$35.00}, who told me to pay the {$10.00} fee, and everything would be taken care of. I called the bank from which I obtained the credit card, but was informed that they could only see the account, but was unable to enter the account, and the XXXX XXXX XXXX  were difficult to understand, but they were clear with if I paid the {$10.00} fee, everthing would be fine, and I have no other way for understanding what happen to my funds, and I XXXX n't have access to close the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and Chatted with Experian regarding a score of XXXX. I reported to Experian that my score has been the same and they are not monitoring or updating my credit report score. I even told the rep that XXXX XXXX and XXXX  files and my score stay the same. I had identity theft and fraud on my credit and provided a police report number to Experian and my score remained the same. The rep from Experian assured me that this issue would be resolved, nothing has changed. Please help
Product: Credit card

Issue : Victoria 's Secret {$350.00} Comenity Card status not reporting to bureaus XX/XX/year>2024 - paid in full after statement closed, balance has been {$0.00} since XX/XX/year>2024 - Comenity did not report balance update of {$0.00} to any three bureau 's, called and representative could not figure out why or offer any helpful assistance Comenity has never failed to update bureau 's previously when card reported a balance. Now that the balance is {$0.00} there seems to be an issue? Photo attached of XXXX report showing last update was made XXXX.24, I've checked XXXX and XXXX as well, same problem with lack of {$0.00} balance update.
Product: Mortgage

Manufacturers and Traders Trust ( MTB ) is a part of a mortgage fraud against the, ESTATE XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NCXXXX. 
Since XXXX, I have been corresponding with MTB about the loan that was cancelled by XXXX on, XXXX XXXX, XXXX, after filing an affidavit for lost note on XXXX XXXX, XXXX .This was ten months later .Because of the time span, this was not likely to have been done in error. 
When contacted, MTB repeatedly assured me that they had nothing to do with the this loan. 
XXXX, who I believe is a co-conspirator, wrote that they had acquired servicing of the mortgage in XXXX, and had sent payments to MTB, the holder of the note. 
MTB wrote, they held XXXX files in their vault, but returned them to XXXX in XXXX. MTB said XXXX XXXX XXXX was the servicer at that time and that they had not received any of the payments made. 
Research has shown that MTB was perjuring themselves in all the information they sent me. 
Recorded documents show a list of mortgages XXXX XXXX XXXX XXXX serviced for them. The mortgage in question, XXXX XXXX series was on the list. This can br found in BK.XXXXIN XXXX, NC XXXX online register of deeds .I have spoke with people in the lien department and they have denied having this mortgage. 
I was told the name, XXXX XXXX, or the address was not in their system. 
It appears, XXXX XXXX, XXXX and MTB, are trying to cover for each other. 
MTB knew all the time that this note was with them. At first, they seemed to be trying to help me, now I know they were not. 
I will send the docs tomorrow. 
XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX -- -- -- XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XX/XX/1968 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00}.
Product: Credit reporting, credit repair services, 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. 

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 has violated my rights. 

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 an 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: Debt collection

I hereby instructed to cease all collection efforts immediately or face legal sanctions under the Federal Fair Debt Collections Practices Act, 15 U.S.C. Sections 1692c and XXXX, which is incorporated and made applicable to creditors like your company by the Rosenthal Collection Practices Act, California Civil Code Section 1788.17
Product: Checking or savings account

In XXXX of 2022 I had my direct deposit going to my Chime account. I received my direct deposit as usual. Around the beginning of XXXX I noticed there were around {$600.00} if fraudulent transactions. I immediately contacted Chime, reported those fraudulent transactions. 
I called back over three weeks. Then around XXXX I went to check the status and the fraudulent transactions and a recording I received said my account was close. I tried to contact them but my debit card was inactive so I couldn't get through.I looked every where for a different number. About 2 weeks later I received a letter from Chime stating that I broke one of their policies and sent me. a check for {$0.00}. I could not find another number for chime and they didntt even honor those fraudulent transactions. I think Chime is a scam network.
Product: Checking or savings account

During the month of XX/XX/XXXX I received a phone call from XXXX XXXX stating that there was suspicious activity on my account. Sure enough when I looked into the issue my entire bank account was depleted. Someone had accessed my card number and withdrew maximum amount of money at various ATMs in XXXX, RI. After I made a complaint with a XXXX XXXX, they denied me the money and said that those were not their issue. Due to the fact that the money had been taken out if XXXX bank ATMs they would not refund me anything. They told me to claim a second case which the same thing happened. After I filed a police report with the XXXX Police, and it was proven that the withdrawals were fraudulent, the bank still refused to give me my money back. It has now been over 7 months!
Product: Credit reporting or other personal consumer reports

I have sent Transunion the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiries immediately. 

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 XXXXXX/XX/year>
Product: Checking or savings account

On XX/XX/2022, I started receiving emails thanking my for joining TD bank with numerous accounts, CD account, checking and savings accounts. I had never in my life tried to open an account with TD Bank. I had never heard of this bank in my entire life. I immediately called the bank 's customer service number and was shunted to the fraud department. I was asked for my SSN which I did not give out as this seemed very fishy to me. On the XXXX I drove to the nearest branch of TD bank in the adjoining state. I provided my social security card, passport and driver 's license. I was treated harshly and was told my SSN was not involved in said accounts and I was to told to not worry about this fraud. I was told that this is a normal clerical error. 
Today, XX/XX/XXXX, checks from this account were mailed to my prior address, and I assume an ATM card is to follow. I find it very strange that my XXXX name XXXX prior address XXXX email address associated with this account could be the result of a clerical error. I again called the Fraud Department at TD BANK and was assured that there was nothing wrong with this scenario. I need help to end this nightmare of inefficiency perpetrated by TD Bank. This is obviously a case of fraud but they are not the ones to face the problems this will create. Please help me in this matter as I have no one else to turn to. 
Thank you, III
Product: Mortgage

My name is XXXX XXXX.I lost my job in XXXX due to XXXX. I asked for assistance and that is where the nightmare began.They helped me but the put my soon to be ex-wife on the documents. Not a problem but they spelled her name wrong and expected us to sign and notorize them. She is not on the deed or the loan.They sent three other modifications expecting me to get them back to them within a day. I called them and asked if they would send a notary to me they refused. I have given up!!! I spoke with them on Friday asking for a history of the loan because the figures are not adding up. In addition They said they would upload it in my account.I sent a qualified written request they on XX/XX/XXXX asking for this information and a few other items as well. One of the items that I requested was a copy the a revokable trust they had me as the trustee of this trust that was estalished in XXXX for someone I do not even know. I was XXXX XXXX XXXX at the time. This house had changed hands 3 times before I bought it. WHAT INCOMPETENCE!!! So why would I believe that the figures I owe would be accurate???? They have put me through so much. On Friday the stated I could go online to get a history and surprise it is not available. WHAT ARE THEY HIDING? They wery very rude to me as if I have no right to ask questions. This has been a nightmare.I am attaching the lis pendens for the trust so you can see how incompetent they are.
Product: Debt collection

This complaint is regarding the debt in collection in the amount of {$94.00} being reported by IC System opened XX/XX/2019, being reported on my XXXX credit report. 

This amount due was when I had an account with XXXX XXXX XXXX, prior to it being taken over by XXXX XXXX. When I had my account with XXXX XXXX XXXX, I resided at XXXX XXXX XXXX XXXX. When I moved from that location, I turned in all of my cable boxes and equipment and asked what any remaining balance I had due, which at that time was {$94.00}. That amount was paid at that time in person. This was also either at or very close to the time XXXX XXXX XXXX was making the transition from XXXX XXXX XXXX to XXXX. 

When I moved to my new address, I did not have services put in my name. However, I did receive one remaining piece of mail at my new address from XXXX XXXX XXXX, stating I owed {$94.00}, at which time I called XXXX XXXX XXXX and was told, I did not owe that amount as that bill generated close to the time I turned in my boxes and paid the {$94.00} in cash and that it was an overlap. I had a {$0.00} balance. 

I received no subsequent mailings or billing statements from XXXX XXXX XXXX. In reviewing my credit report, I discovered the account in collection with IC Systems for the {$94.00} bill from XXXX XXXX XXXX now XXXX. The first time I called IC Systems was on Tuesday, XX/XX/2019, at which time, they confirmed they still had the incorrect address for me on file which is why I never received anything in the mail from them. Otherwise, I would have taken care and disputed this sooner. 

I have also disputed this through XXXX and it is my understanding it has been removed from my credit. I am likewise, requesting it is deleted from any and all other credit reporting bureaus such as XXXX and also XXXX and no additional collection or judgement or public record activity be noted.
Product: Credit reporting

I had requested my credit report from Trans Union after a mortgage company claimed that all XXXX of my reports were very negative. Since I had a score in the XXXX just a month ago, I knew there was a problem and wanted to find out what was going on. I had to pay {$1.00} to Trans Unionand I saw the report and my FICO score online ( which was in the XXXX ). The next day, I received an e-mail from then stating that the {$1.00} enroled me into a credit monitoring service and if I did n't opt out in XXXX days they would deduct {$17.00} from my checking every month! I had reported a similar problem with XXXX, and they let me opt out. However, with Trans Union, there is no way to contact them to stop the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, i attempted to fill out the online dispute form and submit docs - was denied twice and told to submit by mail only - then there are more than one po box listed, which means they are trying to confuse people on purpose. 
i am trying to send them a debt validation letter, along with a copy of my current UCC1 financing statement, which should compel them by law to erase any delinquencies. I am ultimately seeking to open a secured credit card with my new credit union and that can not happen if experian continues to evade receiving my documents. 
Thank you.
Product: Bank account or service

Hello, I went to the ATM at the XXXX at XXXX, XXXX, Florida XXXX. I went to withdraw money but had requested an account inquiry by mistake. I figured no big deal since it was only an account inquiry. I decided not to withdraw any funds. Later when I got home I checked my balance online and saw {$2.00} was taken out. First on all I checked my balance once and even if I did check it more than once what company charges to check balance multiple times at that. Second there was no warning that they would charge this fee else I would have said no. Finally this is intentionally deceiving patrons who use the machines. There was a lady there I spoke to said Citibank took her for {$10.00} cause she checked her balance. It 's not the amount but the principle that a big bank would stoop to this level of not making it clear that you will be charged to check balances. It is in a poor neighborhood so that could be a factor to rob the poor.
Product: Credit reporting or other personal consumer reports

Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ XXXX ] for my credit card, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ XX/XX/2024 ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Thank you for your attention to this important matter.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I was victim of froud on XX/XX/2018. I have nephew that live in XXXX for about 10 years. One person from this number XXXX posing as a US Customs agent called me and told me that XXXX XXXX my nephew was in XXXX XXXX Airport and have a problem with documentation and need help, he was in surprise visit. 
She them told me that we need to wire {$1200.00} to XXXX XXXX XXXX in XXXX XXXX XXXX XXXX and as soon we have that money there we can go to the Airport to pick up XXXX. 
I went to send the money thru Intermex with the numbers XXXX for {$300.00} and XXXX for {$950.00} after that we rush tothe Airport hoping to find my nephew everything was scam my nephew I learn later was in XXXX and XXXX XXXX XXXX disappears. 
I waiting from intermex with response to who took the money in XXXX XXXX XXXX XXXX with no avail My ph number XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX
Product: Credit card or prepaid card

This is a follow up to my original complaint that Capital Once closed my account and reported me late XXXX due to an issue on their end! Each time I called they say too bad and nothing can be done. I know I have been wronged here so I filed a compliant and Capital One came back that they were working on it. That was simply not true and was told the same thing. It went to another department and they looked at it and said NO. I never even got to explain my side and how this is hurting my credit rebuild. They didn't care and are so wrong here and have harmed me as the consumer for some XXXX XXXX and XXXX  policy without looking at the real issue. This is so wrong and want to know my options since this big XXXX  is bully me.
Product: Credit card

Synchrony Bank issue - I paid my credit card bill early and the credit card company is listing my account as being late and sending harassing certified letters to my home. I have called once and was assured by a representative that it was solved. The next day yet again another certified letter for the same account and reason. I called the company and the only thing I get is we are sorry this is unacceptable business practice and borderline harassment from a creditor to a consumer that is paying their bill on time if not earlier than due.
Product: Debt or credit management

Hello CFPB Team, I am reaching out for assistance with an unauthorized debt collection issue that I believe to be fraudulent. Here are the details : Background : On XX/XX/year>, I visited a XXXX store in XXXXXXXX XXXX, to return equipment. During this visit, a representative began the process of opening a new account without my consent. I understood this interaction to be a quick check for deals, as I have been an XXXX XXXX XXXX customer for 16 years and did not agree to switch providers. 

Shortly afterward, I began receiving calls from XXXX, and later from Credit Control , LLC, a debt collection agency, demanding payment for this account. I called XXXX on XX/XX/year>, to dispute the charges and requested that the account be closed due to error. Despite my efforts, I am still being pursued for this debt. 

Contact Information for Companies Involved : XXXX ( Original Creditor ) Phone : XXXX Customer Service : ( XXXX ) XXXX Location of Store Visit : XXXX XXXX, XXXXXXXX XXXX Credit Control , LLC ( Debt Collection Agency ) Phone : ( XXXX ) XXXX Mailing Address : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX Email for Dispute : XXXX Request : Given these circumstances, I am requesting XXXX assistance in investigating this matter as I believe it constitutes unauthorized debt collection. I would appreciate guidance on any further steps I should take to dispute this debt and resolve the issue. 

Thank you very much for your attention to this matter. Please feel free to contact me for any further details. 

Best, XXXX XXXX XXXX