23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I received a text message from " Bank of America '' asking " Did you attempt a {$3500.00} XXXX transaction. Reply Yes/No/Help. This text was from the number ( XXXX ) XXXX. I did not respond to this text. 
On XX/XX/23 I received another text message with exactly the same language from number ( XXXX ) XXXX XXXX from a person named XXXX XXXX. 
I responded NO and immediately got a call back from someone who said they were from Bank of America. He then took me through EXTENSIVE steps that he said would rectify this matter, even transferring me to a person from XXXX. Neither were representatives of these companies. When I hung up I called my bank to find out that this transaction was put through. This SCAM is RAMPANT. For further clarity this is how it works : " A common example of the latter is the XXXX Fraud Scam, which uses an ever-shifting set of come-ons to trick people into transferring money to fraudsters. The XXXX Fraud Scam often employs text messages and phone calls spoofed to look like they came from your bank, and the scam usually relates to fooling the customer into thinking theyre sending money to themselves when theyre really sending it to the crooks '' Bank of America is not willing to refund my {$3500.00} saying that since it was me that transferred the money that there's nothing to be done about it. 
I am proceeding with filing a complaint with the local police, the FBI and notifying XXXX, as well as any other organizations that deal in these matters, as well as any political figures that focus on these fraudulent banking practices.
Product: Credit reporting or other personal consumer reports

I am writing with grave concern that fraudulent, inaccurate, and misleading entries continue to appear on my credit report despite my numerous efforts to have them corrected. The existence of these erroneous items has severely disrupted my life, causing immense XXXX  and XXXX. I must reiterate that I am a victim of identity theft and never authorized or approved the association of this fraudulent information with my name and credit file.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and realized I had inaccurate accounts on my report. The consumer reporting agencies need to report all information accurately. The negative activity from the inaccurate accounts are negatively affecting my ability to obtain credit. The accounts in question are as follows : XXXX XXXX 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

2020 i discovered a fraudulent bank loan account on my XXXX credit report. I've been disputing this same account 2 years now till the present day. I've sent in countless police reports after police reports dispute after dispute. i had XXXX to put a fraudulent alert on my credit file. after these exhausting couple years of disputing with XXXX credit bureau gives me no hope to resolve this issue with one main financial lending intuition reporting a fraudulent account to my XXXX credit report. i pray this complaint gives me a great opportunity to see this fraudulent account removed. XXXX out of 2 years never mailed me the proof i requested in the 30 days to show me that this fraudulent account belonged to me.
Product: Money transfer, virtual currency, or money service

For over a year Ive received emails from Chime Financial Inc saying I have an account, or thanks for updating your account, etc but Ive NEVER opened an account or even heard of Chime. I have emailed and called the company asking how my information was used if I never signed up and they were not helpful in any way. Today I received XXXX email alerts within XXXX minutes saying Ive been sent money to my chime account from many many different people which I assume is either a fishing email and scam/fraud. I want the company to delete all personal information of mine they have and never contact me again. The emails come from XXXX and XXXX chime financial inc XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

INQUIRIES : 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 XXXX XXXX XXXXI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these inquiries.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 This is a request for a re-investigation of the accounts listed below. These accounts were claimed to have been accurate or verified by you just putting them on my credit report without my consent and without your knowledge of them being 100 % correct. 
These accounts are still inaccurate/Unverifiable/invalidated and need to be corrected or deleted immediately : Also make sure these items are Compliance.

Please re-investigate this account is inaccurate and Unverifiable. 
Please delete accounts at once. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these from my report Misleading and false information I have made several attempts to get u to validate this method u are in violation of my rights with FCRA According to Section 611 ( a ) ( 6 ) ( B ) Please be advised that under Section 611 ( 5 ) ( A ) u are require to delete everything that can not be be verified promptly. 

Also please send me my full credit report along with the following items : your investigation results contact information for each creditor and any relevant information from the previous investigation. 
The documentation used to verify the dispute for completeness, accuracy, and appropriateness Thank you for your help regarding these issues
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 XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 thought I was ordering a free annual report in XXXX of this year.from Experian. Turns out it was a free trial and since XXXX they have charged me {$25.00} a month!! 

Angry that the same credit reporting agency that allows thiefs to steal personal data is itself a thief. 

Outrageous scam on victims of identity theft by a credit reporting agency
Product: Mortgage

My loan with Bank of America has reached 78 % of LTV ( my equity is 22 % ). They are refusing to Automatically cancel my PMI. According to HUD documentation ( XXXX ), " The law provides XXXX situations in which borrower paid PMI may be cancel - it can be automatic or by request. Lender-paid PMI is excluded from these mandates, but requires an up front disclosure to the borrower about lender-paid PMI. 
The XXXX cancellation situations are : Automatic. In general, when the homeowner 's equity position reaches 22 percent of the original value of the property, the mortgage servicer must automatically cancel the PMI. The borrower must be current in making payments for automatic cancellation to apply. " According to CFPB documentation ( XXXX ) " Automatic PMI termination Even if you do n't ask your lender to cancel PMI, your lender still must terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. You also need to be current on your payments on the anticipated cancellation date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date. 

It 's worth noting a termination request is different than a cancellation request. Your lender must terminate PMI even if the principal balance of your loan has not actually reached 78 percent of the original value of your home - for example, because the value of your home declined. '' I have never been late on a payment, and have always paid extra principle. My loan is over 5 years old. 
The lender is basing their denial on the " scheduled '' date when I reach 78 %, which would not have been until XX/XX/2017, but since I always pay extra principle, that date has arrived sooner.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vunerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Please be advised that I received a XXXX form for canceled debt on XXXX account XXXX. Box XXXX indicates the debt is uncollectible and must be deleted. Supporting documents justify immediate removal from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I requested information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX from Early Warning Systems via certified mail. There was no response, so on XX/XX/2021, I requested that the account for XXXX be removed from my credit report, which they received on XX/XX/2021. To date I still have not received any information regarding this account.
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/2021, I received a text message claiming to be from Wells Fargo saying that there was a fraudulent transaction on my account at a XXXX. It said to text back yes or no if I approve this transaction, so I texted back no. Then I received a phone call from a number that is a wells fargo branch in XXXX XXXX, fl, and they knew my name, username and other personal information and asked me about this fraud transaction. In the past I have received fraud alerts from Wells Fargo. They also said there was a pending wire transfer, and I said no it was not me. They proceeded to gain access to my online account by sending me codes to my phone and having me read them to them to verify my identity to reset my password. These codes were sent by Wells Fargo. After that, they added a fraudulent email address to my account and somehow proceeded to make this {$5600.00} wire transfer without my knowledge or prior notification. That afternoon I noticed the funds were gone from my account, and then proceeded to call the wells fargo fraud claim line to open a claim and to explain what happened. They told me to go into the local branch as soon as possible to prove my identity. It was after XXXX on Tuesday so it was closed but I went first thing on Wednesday XX/XX/2021 and I talked to the banker about what happened. She ensured me this fraudulent transaction would be taken care of and I would get my money back. The banker and I called the fraud claim to ensure this was escalated and to reset my username and passwords. I left feeling better about the situation. 
I proceeded to call the fraud claims line of wells fargo and I finally got an update on Thursday XX/XX/2021. They said my claim was denied because the scammer had they information they needed to approve this wire transfer and since it was wired the money is gone. They recommended I go to the authorities and theres nothing else they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX    (Original Creditor: XXXX XXXX) XXXX****, XXXX    (Original Creditor: XXXX XXXX) XXXX****, XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX**** ,
Product: Credit reporting, credit repair services, or other personal consumer reports

IN PREVIOUS COMPLAINT REGARDING XXXX XXXX XXXX XXXX ( XXXX ), THEY ALLEGED THAT THE ( XXXX ) DID NOT RECEIVE SUPPORTING DOCUMENTS TO DISPUTE A CLAIM OF AN OUTSTANDING BALANCE OF THE ACCOUNT IN QUESTION. I HAVE ATTACHED MY BANKING STATEMENT FOR THE AMOUNT OF {$490.00} DATED XXXX XXXX,2011. AGAIN, MY PERSONAL BANKING STATEMENTS WILL CONTINUE TO SHOW THE {$490.00} AS WELL AS THE {$7700.00} WHICH REPRESENTED THE PAYOFF OF THE LOAN. ALSO, THE CONFIRMATION FROM MY PERSONAL BANK AS STATED IN THE ( XXXX ) RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company keeps calling and leaving voicemails which I have been keeping record. They sent me a letter in the mail stating I owe XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment on my credit report supposed be remove due to privacy and consent. There's no law, stating that late payments should be reported under the privacy and consent.
Product: Payday loan, title loan, or personal loan

I am unable to receive PERSONAL CALLS on my job as which, has caused problems for me. I requested a CEASE TO DESIST effectively immediately from all telephone calls via my place of employment, family members, personal cell phone call, references, etc.. because right now I am enduring a personal matter to include the death of a love one, financial hardship, etc. but will do what is right as soon as my financial hardship ends. However, XXXX XXXX  contacted my place of employment on today, XX/XX/XXXX at XXXX XXXX  and turned around and contacted me via my personal cell phone on today, XX/XX/XXXX at XXXX XXXX. I have documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital XXXX on the date of XX/XX/XXXX XXXX XXXX on the date of XX/XX/XXXX XXXX XXXX SER on the date of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

A Loan Modification Package was submitted to XXXX on XXXX/XXXX/2016 37 days prior to a scheduled sale date ( Here to attached ). XXXX provided a missing documents letter request on XXXX/XXXX/2016 requesting Tax Returns. A XXXX Form was provided with the package and due to XXXX new streamlined guidelines Tax Returns are no longer required to be considered a complete package. On XXXX/XXXX/2016 the requested documents was sent in the form of a Letter of Explanation stating the borrower 's Non-Filing status ( Fax Confirmation and letter of explanation are hereto attached. ) Confirmation of receipt of the conditions was confirmed with a XXXX at extension XXXX. XXXX denied the loan modification request on XXXX XXXX but the borrower 's legal representative did not receive the denial letter until XXXX XXXX, 2016. ( Here to attached. ) XXXX did not provide a new request for missing documents nor did they allow the borrower the allotted time to provide such missing documents as required by XXXX prior to denying the loan modification on XXXX/XXXX/2016. In fact XXXX sent a letter Dated XXXX XXXX, 2016 received by the borrower 's legal representative on XXXX XXXX, 2016 requesting for the borrower to contact them to provide instructions on how to apply for a loan modification request when the loan modification request was already providedXXXX was diverting there responsibilities as required by XXXX XXXX to forward the loan modification request to the new servicer. XXXX never provided the borrower nor their legal representative of the servicing transfer rights. The new servicer Bank of America provided a servicing transfer letter dated XXXX XXXX, 2016 stating the servicing transfer became effective on XX/XX/XXXX,2016 ( Hereto Attached ). XXXX continues to send mortgage statements after transferring effective date of XXXX XXXX, 2016 ( Hereto attached ). XXXX denied the loan without proper justification, did not allow the borrower proper time to provide requested documentation as required by XXXX and did not allow the borrower the right to appeal such decision. XXXX did so as a diversion of it responsibilities to transfer the loan modification request to the new servicer as it new in advance of the servicing transfer prior to the denial. Bank of America has prior knowledge of the loan modification request as they have sent correspondence to our office with knowledge of our representation.
Product: Credit card

Somebody, without my permission used my SS # and my information to open a XXXX credit card with COMENITY CAPITAL BANK in my name at the XXXX XXXX # XXXX in XXXX, FL. on XX/XX/year>. 
I Contacted COMENITY CAPITAL BANK and disputed this FRAUD Account and I filed a police report with the XXXX Police Department. 
I Mailed a dispute letter and the police report to Comenity Capital Bank, XXXX, XXXX XXXX XXXX XXXX. 
Had my credit froze and monitored. 
Comenity Capital Bank is refusing to cancel the account and will not remove this fraud charge account from my credit report. 
My credit score has dropped from XXXX to XXXX. 
COMENITY CAPITAL BANK will not send me the documents used to open the account without a subpoena. I sent them the Police Report. 
COMENITY CAPITAL BANK HAS 1,000s of BAD REVIEWS and THEIR FRAUD DEPARTMENT WILL NOT INVESTIGATE A DISPUTE CORRECTLY. 
DON'T DO BUSINESS WITH COMENITY CAPITAL BANK.
Product: Credit reporting

Experian is showing a debt from XXXX XXXX XXXX XXXX with a balance of {$270.00}, this debt is from 2009 and is past the statute of limitations. Seven Years
Product: Credit card or prepaid card

I ordered clothing in XXXX. The clothing showed as delivered but I did not receive it. I notified the company. I also notified the credit card agency that I never received my order. I was told first that I needed to fill out an affidavit, which I did. Then I was told I needed a police report, which I went and filed. I was given a credit for the items. I sent copies of both of these items to both companies ( XXXX XXXX XXXX and Commenity Bank. ) They then claimed the affidavit was not signed, which it was. They then charged my card again and added fees with no explanation or request for more information. I should not have to pay for something I never received