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

On XX/XX/XXXX, I opened a new checking account and request a new debit card from Bank of America. 

On XX/XX/XXXX, USPS informed me that I was going to received a mail from Bank of America ( as in the attachment ). I supposed this is the new debit card the bank sent me ; however, I have never received the mail. 

On XX/XX/XXXX, I received an email from Bank of America that someone used the new debit card to withdraw {$1000.00} from ATM and purchase {$1500.00} of electronics ( as in the attachment ). I immediately reported the fraudulent charge to the bank. 

On XX/XX/XXXX, Bank of America provided me a temporary credit of {$1000.00}. 

On XX/XX/XXXX, Bank of America declined my claim and reversed the temporary credit ( as in the attachment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I closed an account with XXXX XXXX XXXX after being notified of monthly fees that would start with account after qualifications were no longer met for credit for said fees. I followed the instructions/procedures to close the account and prevent said monthly fees to be billed. 

The monthly fees were billed despite my efforts and a late payment has been on record since. I have attempted to resolve the error verbally with XXXX XXXX XXXX by contacting their Customer Service directly and through Experian dispute channels, but no update or acknowledgement has been furnished.
Product: Debt collection

XXXX XXXX states I have an account which is showing on my Transunion credit report as two different collections. I sent a letter of verification to XXXX XXXX XXXX and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to Transunion credit bureau and the account is still on my credit report after disputing three times. Transunion says their dispute results are verified when they can not be because the credit collection company can not verify this information. I have received correspondence from XXXX XXXX that I am a victim of identity theft and completed the necessary steps on their website with no response. I would like this account to be removed immediately.
Product: Checking or savings account

Name : XXXX XXXX Account number : Forgot Bank OF America may look up with my social security number Social Security Number : XXXX Back in XX/XX/2021 someone had my Bank Of America online login info and bank card and deposited two bad checks in my Account. This resulted in my account being closed and going negative. I still owe the bank the remaining negative sixty-two dollars that was already posted on my account when the fraud happened. Now I havent herd back from the bank and dont know if I can open another account with Bank Of America .
Product: Debt collection

I was a victim of identify theft. One credit card was maxed out and a loan was obtained in my name in XXXX. I filed a theft report ( XXXX ) with the three credit agencies and have forwarded information related to fraud numerous time. This went away for a while, but has become a problem again in XX/XX/XXXX, with an open date of XXXX. This has become a type of harassment. XXXX especially, as they will not let me dispute it, because they say the vender verified the debt owed, although this is NOT my debt. When I first started disputing the charges with the lender it was XXXX XXXX, now Spring Oaks Capital is the collection agency saying that they confirmed the debt to XXXX in XXXX which I have never heard of. I do not owe this debt nor have I borrowed money from them. Every account that I have is in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the morning of Tuesday XX/XX/2022 I attempted to check rates via what was advertised as a soft credit pull with Amerisave home mortgage. There was an issue with the soft pull so I telephoned the help line and asked to reset the process so that I could try again online after I lifted a lock on one of my reports. The customer service person looked at the information and after a few minutes said he could look at the rates I requested and go over them with me. Unbeknownst to me he must have done a hard credit pull which is now showing up in my credit report. 

I believe that this is unfair and a bit dishonest as they mention several times that the initial credit pull is soft and would not affect my credit. I would never have requested a hard pull as we are in the process of closing on a home and this sort of inquiry could affect my underwriting process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Partial account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX This was for a XXXX XXXX credit card. 
They are reporting that in XXXX of 2017, I was 30 days late. This is incorrect. 
I have contacted XXXX XXXX numerous times, with no luck in correcting this. 

Thank you.
Product: Checking or savings account

On XX/XX/year> at approximately XXXX XXXX I received a notification that my debit card was activated. I had recently opened the account and had not received the debit card. As I was driving, I waited until I had gotten home ( Less than an hour ) and promptly canceled the debit card and requested a new one. I then immediately called the customer service department of Fifth Third Bank ( they were closed ). The following morning I went to the bank located at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX to report the Fraud. I spoke to the branch manager who said that he would get it taken care of and to not worry. The following week XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that my account was being adjusted to XXXX due to a check that was deposited into atm # XXXX Check # XXXX for the amount of {$6600.00}. After speaking with an attorney was instructed to serve the branch manager a notarized letter stating that the activity was fraudulent as was both unknown as well as unauthorized by myself. On XX/XX/XXXX at approximately XXXX I served the branch manager said letter. I also served him with a letter stating that the activity at XXXX XXXX XXXX XXXX in XXXX, XXXX  was unknown to me and unauthorized by me and requesting both a copy of the check as well as the security footage at the atm. I received a copy of the check and have yet to receive a copy pf the security footage. I am now being told that I am responsible for the amount and my accounts were closed because it occurred on " Your Debit Card ''. The card I never received or activated. Enclosed is all paperwork received and submitted by me to the bank.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 card or prepaid card

In the fall of XXXX, I was going through a divorce, attempting to start a career in real estate after being a stay-at-home mom, with no consist income. I was lucky enough to land a position with the company that I have been gainfully employed with for the last three years, which started in XXXX of XXXX. I was struggling financially, trying my best to support my daughters and prepare for my move to a new area. I honestly had to make hard decisions on what I could pay in that time period to get me through to the next month. Capital One reached out to me to with an offer of a payment plan that I could afford so I could catch up and get my account in good standing and since I made that last payment toward the payment plan, I have not missed another credit card payment with Capital One. 

I was unaware that while in my payment plan, my account was still being reported as late. I am still very grateful to Capital One for working me during that stressful and difficult financial period for me. 

I have attempted via calls and emails for over 2 years to Capital One, requesting a good faith adjustment or late payment reversal as I am beginning the process of purchasing a new home. As a XXXX  XXXX, I know firsthand the importance of a strong credit history in mortgage lending and I can personally see the ramifications of currently having three late payments reported to the three major credit bureaus from Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX all inquiry I have no knowledge of can you please remove these from my credit report asap
Product: Debt collection

My name is XXXX XXXX I reached out to Experian 3 months in regards to the fraudulent activity on my credit account. My name is not spelled correctly, there are many incorrect reported addresses, there is fraudulent activity on my account. The amount owed is inaccurate. Experian has yet to verify this information and they have yet to delete it. Its been over 3 months since I sent them a letter, telling them they are committing fraud on my account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There is fraudulent names, addresses and accounts listed on my credit report. My name is XXXX XXXX and my only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an account on my credit report that should not be there. XXXX and XXXX have removed the account, but it is still reporting on Experian. I have proof attached that XXXX ( their collection agency ) does not report on credit and should be removed within 30 days. I also have a copy of the most recent credit report I checked on XX/XX/22.
Product: Mortgage

my mortgage was sold from XXXX XXXX to nationstar as of XXXX/XXXX/16. I was also informed by XXXX XXXX that I would receive a letter from nationstar by XXXX/XXXX/16. up until XXXX/XXXX/16, nationstar would call my cell phone and place of employment constantly and hang up. My co workers were obviously getting annoyed with these calls and called the number back to tell them to stop the calls. the recording said they were a debt collector and all information would be used to collect debt. they were then prompted to enter last XXXX of a ss # which of course they did not do. there was no way to get through to a live person. I tried calling number back on several occasions and followed the prompts and when I tried to get to a representative I was immediately disconnected. finally, on XXXX/XXXX/16 I got to an agent. I asked them to stop calling and hanging up on my cell phone and at my place of employment. I also informed them that I had not yet received a letter from them or any contact from anyone. she said the letter was mailed on XXXX/XXXX/16. I told them I should have received it already. the calls did not stop. we received more at my work and on cell phone. when I did not receive anything by XXXX I called them again. it once again took a few times to get someone on phone. I talked to XXXX and she told me a letter went out on XXXX/XXXX/16. I told her when i called on XXXX/XXXX/16 i was told it was mailed on XXXX/XXXX/16 I told her I do not have it yet. it should have been here by now. I do n't have a statement for XXXX/XXXX/16 payment and it is due tomorrow. I still have not received a loan number so my XXXX payment has not been made yet. I asked her to speak to her supervisor since it seems they do n't want me to be able to make payments. I worked too hard to buy this house and I will not allow you to XXXX it up for me. she put me on hold and came back a few minutes later and said her supervisor was on another call but I should n't worry about XXXX payment since they cant charge fees or report late payments for 60 days. I informed her that is not the point. you should have given me written notice of my new loan number and where to send payments, also, I should have a statement for XXXX by now. you have done none of the things you are required to do! I asked her for her supervisors name. she gave me a name of XXXX. she said she would request a letter be sent out. I once again told her I should have had that on XXXX/XXXX/16.
Product: Debt collection

I do not know who this company is and why they are calling. The caller said I wrote a three checks that werent paid. I do no know anything abut this. The caller CRM phone number XXXX XXXX XXXX. I have asked them not to call. However, they call every 1? 2 hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX in reference to this account. I requested validation for this account I never received it. I also have no contract with XXXX XXXX for this alleged debt. I called them and the representative stated that she couldn't speak with me because this account was marked that I had a social security lawyer. I advised her I never said I had a social security lawyer. She refused to speak with me concerning my request for validation. I never received anything from XXXX XXXX in regards to this account. This was a XXXX  XXXX account and the information that I received from XXXX XXXX doesn't have XXXX XXXX anywhere on it. I didn't find out about this being on my credit file until I check to see what was on my report. I have requested Validation and an Assignment of Debt from XXXX XXXX XXXX and I haven't received anything.
Product: Debt collection

They continue to call, don't say a word and hang up. Multiple times a week from different numbers. They've called while in bankruptcy after repeatedly telling them to stop. They've called today XXXX times XX/XX/2024. They specifically timed a certified law suit threat to come to me on XXXXXXXX XXXX  this year expected me to sign for it thinking it was a gift. Again and again they harrass, I tell them to stop because they are in violation of the Fair debt collection practices act and they ignore it and call from another number. I've blocked XXXX different numbers just this year from them because they continue to harrass. They continue to try to get verification on my name, which I refuse to give.
Product: Money transfer, virtual currency, or money service

XXXX XXXX On Sunday, XX/XX/XXXX, we purchased XXXX kittens  on this website ( XXXX XXXX XXXX ) for a total of {$1000.00}. XXXX XXXX XXXX We paid, using Bank of the West , online banking with a XXXX wire. 
Name of the seller : XXXX XXXX email address of the seller : XXXX Phone number that they used : XXXX XXXX XXXX XXXX email address : XXXX ( and also they proposed to pay with XXXX for the additional fees ) : XXXX This morning they sent us an email from XXXX, with this phone number ( XXXX ) XXXX asking us to pay {$2600.00} for XXXX crates. 
Of course, we didn't paid for the crates and we never received the kittens. 
Then we reached Bank of the west, who told us they have to block our accounts and create new ones and that they can not refund us, but we have to contact XXXX. 
Of course, XXXX is asking people to reach the bank ... the ping pong play can begin! 
XXXX XXXX XXXX XXXX & XXXX
Product: Debt collection

Attention dispute department Todays XXXX AFNI, INC. XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL  XXXX
Product: Credit card or prepaid card

On the hire website for unemployment it says I got paid yesterday but j still didn't
Product: Checking or savings account

I was banking with chime bank since XXXX of XXXX and i started to recieve my unemployment to the acct around XX/XX/XXXX and was fine and i was saving on the acct and then in XX/XX/XXXX they emailed me and stated they were closing my acct, they didnt state why and said to read what i agreed to and i called to see what needed to be done and how to access my funds and no one would give me a straight answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY XXXX XXXX  ACCOUNT NEED TO UP TO DATE.
Product: Vehicle loan or lease

My wife and I refinanced our auto with XXXX XXXX XXXX in XX/XX/2022. The check was sent out and endorsed by Goldman Sachs, the lien holder of the loan, and deposited into XXXX XXXX, in XXXX XXXX, XXXX. The amount was {$23000.00}. However the loan was not paid off! My wife has filed complaints with the XXXX and Attorney General. She has spoken to a complaint resolution specialist at XXXX who claimed that Goldman Sachs has found the money and that they will be contacting us. Nothing has happened with that. XXXX XXXX XXXX says that their lawyers are also working on it. XXXX has told us to continue paying Goldman Sachs until this is cleared up. We desperately need to know where this money has gone. I dont even have a good phone number to call Goldman Sachs and the specialist at XXXX that spoke to my wife has not returned any of her calls. The address of XXXX executive office is in New York.
Product: Money transfer, virtual currency, or money service

I was trying to buy tickets to go to a concert, so I reached out on XXXX XXXX. Ended up being scammed for a total of {$300.00} using XXXX, I sent out {$200.00} first, then another {$100.00} when they ended up blocking me. This all happened on XX/XX/year>, on the Bank of America app. I tried to file a report, and they haven't responded to me yet. The Case ID they said was mine is XXXX and the Claim is XXXX. The finances were withdrawn from my checking account ending in XXXX.
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 demanding to be deleted immediately : XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

Fay Servicing and/or assignee 's XXXX XXXX XXXX XXXX XXXX XXXX trustee ) of XXXX ) per Loan Modification Agreement on XX/XX/XXXX, XXXX, modified my deceased mother XXXX XXXX XXXX ( mortgagor ) loan by misrepresentation, unfair business practice. The Origination Security Instrument Deed Of Trust is XX/XX/XXXX for the loan balance of { {$500000.00} XXXX dollars } Fay Servicing & assignee 's XXXX states first lien { NOTE } XX/XX/XXXX is ( incorrect ) of XX/XX/XXXX. Violations with all federal and state regulations, including, but not limited to Title 62 of the Revised Statutes, RESPA, TILA, Fair Debt Collections Practice Act, XXXX and other laws. Fay Servicing and XXXX XXXX have generated, excessive, over charges fees over {$44000.00} into loan from XXXX up to current date for Corporate Advance Attorney fees over {$10000.00} carried over to Fay Servicing from when XXXX XXXX XXXX serviced loan with XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX mortgage loan.