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

phone number is XXXX XXXX XXXX This is began back in XXXX with a text message asking me if I approved a {$3500.00} XXXX  transaction. I immediately replied " NO '' and immediately called my bank ( bank of America ). 

While contacting the bank, I received a phone call from at the time was assured it was from Bank of America because it showed up on my caller ID with the correct number of the bank and showed bank name. 

That's where it all went downhill. I was instructed to XXXX my own name to get the money back, then instructed to do it again using the case number.. 

When this transaction was completed,, I was instructed not to go back to my account for 24 hours. At that moment I once again called Bank of America and explained what just transpired. 

I spoke to XXXX in Texas in the fraud department, I was immediately informed the account was frozen, when the investigation was complete ( 45 days ) my money would be sent back to me in increments. 

I contacted bank of America numerous times during the 45 day investigation. 



On XX/XX/XXXX, I was told my claim was denied and Bank of America will NOT be refunding any of my money! 

I requested to speak to a supervisor, XXXX ( senior claim person ), Who gave me the same XXXX 

I then requested to speak to her manager ( XXXX XXXX ) to this date NO ONE HAS CALLED ME BACK! 



I have filed a claim with IC3.GOV XX/XX/XXXX as well and have not heard back from them as of yet. 



Please understand the only reason I even had this much money, is because it was left to me when my mother passed away. 

I am living on a fixed income and desperate to get this money back i BELIEVE BANK OF AMERICA IS RESPONSIBLE BECAUSE The initial phone call came up on my caller ID as bank of America so how in goodness was I to know it was a scam! Their customer service representative told me the account was frozen and my money would come back to me in increments. 

Thank you for all your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the Credit Bureaus letters asking them to verify the debt on my report. They have responded stating that everything verified correctly. My credit report is still showing inaccuracies CAPITAL ONE Account XXXX 15 U.S.C 168 s-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: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the Bankruptcy with XXXX and Experian due to it showing on my credit report and they still refuse to remove. I went to the Bankruptcy court here in XXXX to inquire like I was informed from these company. The clerk provided a letter that they don't verify with credit bureaus or third parties and also I have attached a copy with this case from the courts. So if these companies are reporting this false information and the courts advised that they don't provide any information to credit agencies then how did they receive this inaccurate incorrect information. Per reading over the report it stated I filed jointly per the credit report, with whom. it doesn't list the person name and it coule be someone with a simiar name. Also the courts verified that the information on my drivers license and mail that I provide to them doesn't match anything in there systems. I have sent this information to both credit bureau and they refuse to remove it. I have no accts on my credit report showing under Bk, that would be the whole purpose of filing BK is to include debt, in which I don't have any unpaid debts. Also they never sent me the original court papers that I signed and I have requested it from XXXX and Experian several times.
Product: Credit card

On XX/XX/year> while making a purchase through PayPal Checkout I was prompted with a promotional message saying " Get {$50.00} if approved for the PayPal Cashback Mastercard Credit Card '' I went ahead and hit " Apply '' and was approved for the card PayPal Cashback Mastercard Credit Card on XX/XX/year>. 

I have talked to several PayPal customer service agents, and going back and forth between different departments, however they are unable to find any information regarding the {$50.00} promotion for getting approved for PayPal Mastercard credit card, and informed me that such a bonus does not exist, or are unaware of such promotion.
Product: Money transfer, virtual currency, or money service

Cash app apparently had a breach where I may or may not have been exposed or effected or loss of funds.
Product: Debt collection

I do n't have a contract with Diversified Consultants or the original creditor nor did I receive a written notice of my rights to dispute this debt before it was added to my credit reports. The law states that a creditor must send written notice of the debt that includes the amount of debt, the name of the original creditor to whom the debt is owed, and a statement describing my right to dispute the debt. I have no knowledge of this debt. Received correspondence from Diversified Consultants via the CFPB portal on X/XX/2017 that they would cease collection efforts and remove this collection from all credit bureaus. This morning, I received a credit monitoring alert that this collection was just added back on without my knowledge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/2023 In accordance with the Fair Credit Reporting Act Bank of America has violated my rights under 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Also, under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiries Violating 15 U.S. Code 1681n and 15 U.S. Code 1681b Dear Consumer Financial Protection Bureau, I am submitting this complaint to report unauthorized or incorrect credit inquiries appearing on my Experian credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b and 15 U.S. Code 1681n.

Details of the Issue : Upon reviewing my Experian credit report, I noticed several hard inquiries that I did not authorize. These inquiries include : [ List unauthorized inquiries, e.g., XXXX XXXX XXXX XXXX, XX/XX/year> ] According to 15 U.S. Code 1681b, a permissible purpose is required for any party to access my credit report. I have not applied for credit with these companies, nor have I provided explicit authorization for these inquiries. Additionally, under 15 U.S. Code 1681n, parties that willfully obtain or use my credit report without a permissible purpose are liable for damages. 

Harm Caused : These unauthorized inquiries have negatively impacted my credit score and may affect my ability to obtain credit.

Supporting Documents : I am attaching a copy of my Experian credit report highlighting the disputed inquiries for your review.

Thank you for your time and attention to this matter. Please let me know if additional information is needed to assist with your investigation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX was notified that I elected to opt-out and I don't provide them authorization to report my mortgage to credit bureau XXXX They received a payment each month for a debt they have failed to validate. They received funds via 1099a that IRS approved. They still have not credit the account. I included bank confirmation for each payment for XXXX to XX/XX/year> for which they said 3 months were not paid. 

I also want my asset back security that is being hold by XXXX investment to be sold and the funds to be transferred to my personal fidelity account. 

They have sent notification stating they were investigate the account and was expected to have complete In XXXX but was delayed to XXXX. However, they have not pause their payment due to a billing error.

18 USC 1025 - lying, fraud, etc regarding any instrument, promissory note, etc.

18 USC 1348 - fraudulently getting money from transfer of an instrument or security 12 USC 504 - breaking fiduciary duties- $ XXXX {>= $1,000,000} A DAY penalty ( this one has a multi-tiered system and the charge should be specific )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a certified letter to XXXX, Experian, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, To dispute all negative information off my credit report I also sent items verifying my identity I also sent items such as a police report theft affidavit etc to Dispute and Remove all inquiries Negative item etc Neither company have provided me any proof of how the information was verified by law they have violated my consumer rights under the FDCPA there was no reasonable investigation Im in the process of suing the credit agencies and Creditors especially me being a victim of identity theft none of these companies are investigating they have indeed violated my rights and now Im sueing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed dispute before but I didnt receive any response. My credit score is being affected due to something which I am not reliable of. 

My credit score shouldnt be hurtled due to some other companies mistakes or until and unless they are entirely sure if I owe the amount and I am reliable to pay it. 

This medical bill debt is giving me a very hard time as its effecting my score, all my efforts have been futile so I thought to file this complaint. 

I was told by police officer to go to the hospital as they saw my condition I was badly XXXX and XXXX. Upon reaching the hospital I provided them my police incident no and was treated as a crime victim. I was told to come back to the hospital and do some paper work we work which I did. Months passed and the collection company never told me I could dispute it while my score kept being hurt over something which I wasnt reliable for. Kindly remove it from my Equifax report Thanks
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

I had a charged off account with XXXX XXXX dated back in 2018, after several attempts both XXXX XXXX and I had agreed to settle the account for less than what was charged off. XXXX XXXX had a law firm by the name of Lloyd & McDaniel representing them. It was agreed upon payment that once I paid the balance that they would remove the negative account from my report. I have tried several times to communicate with XXXX XXXX and let them know this negative account was still reporting on my credit report after I had paid the agreed balance. Now XXXX XXXX is telling me that they do not do pay for deletes, but it was agreed upon with their lawyers and sent that agreement to me as well. XXXX XXXX was willing to work with me and help me remove this negative item, now years later they are saying that they will not do such or that they can't " find '' that agreement that would remove this negative account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found out that the Bank : LOBEL FINANCIAL CORP is fraudulent reporting a car loan under my name which Ive never done business with them besides the only car i have on my credit is a Lease from XXXX XXXX it wont make sense that i do business with a small bank like lobel having a lease from XXXX XXXX its clearly a Fraudulent Account
Product: Credit reporting, credit repair services, or other personal consumer reports

An account for collections was opened on my credit report on XX/XX/XXXX from Rentdebt automated collections company in order to attempt to collect a debt for an apartment in which I  previously leased. The amount amounted to XXXX in total. My issue is not with the amount owe but with what the creditor is reporting. The creditor is listing this debt as a eviction which it was not. I remained in this apartment for the entire lease term and was never evicted. The balance remaining on the amount was for carpeting which the apartment had to replace, final water bill and other misc things but never for an eviction. I have disputed this case through the credit karma with the result of " Account information disputed by consumer, meets FCRA requirements. '' I have tried to explain that I am not trying to dispute the amount owed but they way the collections is reported on my credit report. I have so far paid down the balance to XXXX and have a final payment scheduled on XX/XX/XXXX.  According to the FCRA rules, FCRA 623 ( B ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed ans must be investigated and if you do not investigate and respond, the FCRA must delete the disputed information from the files. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Checking or savings account

On XX/XX/XXXX two checks were stolen from a company called XXXX XXXX XXXX and cashed under my mothers name at a Wells Fargo bank. These checks were fraudulent and my mother did not cash them. The company filed for fraud and their claim was settled on XX/XX/XXXX. To settle this claim the took the money from a teen acount that had my mothers name on them even though she is not the one who cashed them. This caused these accounts to be overdrawn by {$600.00}. The bank did not notify me that they were taking this money or investigating my accounts. We called them and started an investigation on XX/XX/XXXX. They said that an investigator would call within one to two buisness. However, they did not call and instead re-investigated the orginal claim. We attempted to start the investgation again and was told that they would call within one to two buisness days. However, once again they have n't called. We have coppies of the checks which were hand written. They do not have check numbers, the addresses are different on both of them, the signature does not match my mothers, and the memo on one says weekly wage while the other says employee wages. These checks were also made out within two days of eachother and cashed on the same day of XX/XX/XXXX. One check was written out to the amount of {$270.00} and the other was written out to the amount of {$400.00}.
Product: Debt collection

I have made 2 attempts via certified mail ( XX/XX/XXXX & XX/XX/XXXX ) to request validation of a debt being reported on my credit report by Credence Resource management listing the original creditor as XXXX XXXX XXXX in the amount of {$340.00}. Credence has failed to respond to my request for validation. Furthermore I have never received any communication regarding this debt nor how to dispute. I have disputed with all 3 credit bureaus and each is reporting different information from account closed due to no response from collection agency. I am requesting all records of Credence Resource Management on all credit bureaus be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus continue to display information which is not pertinent including a student loan for a profit University more than 25 years ago and three collection agencies that are the result of identity theft and proven to be so more than nine times through FTC and cfpb reports. It is impossible to relieve and recall the ID stuff warnings I have on my credit since they don't make it easy to do busy making money defunct invalid student loans. The credit history should be there without going to the negative and it shouldn't even be displayed since it's for a for-profit university been forgiven by the president of the United States and also invalid because of the time. My understanding that this long night have been battling for nearly 10 years don't come off during the most crucial time. Lastly I can not get any of the credit bureaus to pay attention to the questions that are up there as I was part of XXXXXXXX XXXX  data breach and my name drags through the mud with several police reports FTC reports and XXXX  reports for the past 5 years. I lost an automobile because XXXX stuffed the rights to gain it back and just about every year being farthest thing from peace you could imagine. It's the hardest thing I've ever gone through in my life and continue to cost me hundreds of thousands of dollars. The only thing equifqx made up for was the joke of a XXXX dollar check on the mail. XXXX
Product: Vehicle loan or lease

I leased a Toyota XXXX  from South East Toyota Finance to be used by me and my father at a house I had in XXXX. My dad has health issues and isn't in XXXX anymore, so the car is unnecessary. I checked on the value of the car vis a vis the remaining payments and determined I had equity in the car, so I reached out to local dealers in NJ and found one willing to buy it. South East Toyota Financial is refusing to take the payoff and transfer title ( they told me they would not ). It is not clear to me why anyone would not take payment in full, other than to keep me paying an interest rate higher than the current market or they are trying to control sales of used Toyotas. They are making a stretched reading of the lease in my opinion- it does not include anything that says a third-party can not pay off the lease and receive title. This just doesn't seem fair. 

I have attached the lease. All other discussions were by phone ( and took a long time to reach anyone, which is a problem in itself ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
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 
These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : A. the information was blocked in error or a block was requested by the consumer in error ; B. the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from the alleged identity theft.
Product: Credit reporting or other personal consumer reports

I followed the instructions to request a copy of my report which included submitting my SSN and a copy of my drivers license. They claim that my request in insufficient and have refused to send my report. Recently this report was used to double the cost of my car insurance despite the fact that i have XXXX credit score and zero accidents for XXXX  years. 

consumer XXXX case XXXX
Product: Debt collection

JPMorgan Chase Bank, N.A. : Reference Number : XXXX Account Ending : XXXX [ 4 ] 15 U.S.C. 1692c ( b ) ( generally prohibits debt collectors from communicating with third parties in connection with the collection of a debt, in the absence of a court order or prior consumer consent given directly to the debt collector ). I XXXX XXXX the consumer did not give JP Morgan permission to share my information with XXXX XXXX XXXX on this alleged debt Violation 15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation Pursuant to 15 USC 1681a ( 2 ) ( 8 ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). 15 U.S. Code 1681 b ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the consumer never gave any written instructions to JPMorgan Chase Bank, N.A on this alleged debt. 
I am demanding that you remove these alleged transactions from my report immediately as they are violation of my right as a federally protected consumer under title 15 chapter 41.