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

In March 2023, 150 {$50.00} checks were deposited into an account I hold jointly with my mother via online mobile deposit with her forged endorsement. 

Chase Bank allowed those checks to be deposited and the money immediately transferred into an account she holds individually ( also an online transaction ). My mother 's online banking was clearly hacked. One day later, Chase reversed the deposit of those checks stating they were fraudulent but did not reverse the transfer out. 

The scammers then proceeded to transfer and spend the money out of her individual account. Our joint account was {$7000.00} + dollars overdrawn. Rather than rectifying the fraudulent claim, Chase withdrew money from my individual accounts that were in good standing to cover the fraud without notifying me. By the time I saw what happened it was too late. 

Both my mother and I filed fraud claims against the respective accounts. Chase closed the fraud claims within 48 hours of us filing them with no notification or contact to either of us. 

Not only did she get hacked and have to deal with the identify theft that came with it, the hackers got away with {$7000.00} of fraudulently deposited checks and I got to pay for it from legitimate funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please send me an up to date credit report to my email : XXXX and or by mail : XXXX XXXX XXXX  XXXX, XXXX XXXX
Product: Checking or savings account

I was called from someone that said they were from my bank ( Bank of America ) saying I had fraudulent activity with my debit card and that also someone was trying to wire transfer money out of my savings account then they transferred me to another person who accessed my account and stole {$5600.00} on XX/XX/year> at XXXX XXXX  when I got to my bank in person I told them what was going on the transaction was still pending and they wouldnt stop it they said it can help catch who is doing it I submitted a claim 45 days later was told they werent refunding my money so I now have a dispute claim in process
Product: Mortgage

I was in a forbearance plan due to the impact of COVID shutdown and income was lowered.Now the forbearance is up I wanted to start making payments again and mortgage company wants me to pay XXXX dollars up front and will not take any lower payments.I do not have XXXX upfront.
Product: Vehicle loan or lease

XX/XX/XXXX I was in a car accident that had me out of work for five month due to injuries from the wreck. I was insured with XXXX at the time and they deemed the vehicle a total loss. 

Back in XX/XX/XXXX the same vehicle was vandalized. I was at that time with XXXX. I got the work done to the vehicle and have the receipt. 

Fast forward XX/XX/XXXX my car was vandalized again while insured with XXXX. I filed a claim and they were very slow about the process in getting my vehicle fixed. I missed the examination under oat due to never receiving the mail. 

All leading to XXXX deducting from the total value of the vehicle because of the vandalism they didnt cover. The car is totaled!! I almost XXXX in that wreck. What does vandalism even matter at this point?! 

Safco which is my lien holder decided to say to XXXX that I never got the car repaired in XX/XX/XXXX and sent for the funds. XXXX in turn pays safco without notice to me out of my bank account from a transaction thats over a year old ( {$3500.00} ) .Thats an u authorized Transaction and illegal. I am a service member and I was robbed of my resources due to the illegal acts of the banks. XXXX XXXX XXXX XXXX AND SAFCO. They should all be investigated they are multimillion dollar companies stepping on the backs of working Americans. 

Its against the law to take the resource of a consumer without notice I have had no money since XX/XX/XXXX. The day before my birthday!! I spent the first few weeks of my new aged life without funds. I am livid that its taking this long and want interest on the money that was taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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
Product: Mortgage

Around  XXXX / XX/XX/XXXX  my mortgage was sold from   XXXX   XXXX   XXXX  . to Nationstar Mortgage. The terms were to remain exactly the same. The  XX/XX/XXXX ARM has an interest rate change date of XX/XX/XXXX , resulting in a payment change for  XX/XX/XXXX . My monthly statements from Nationstar puts the new interest rate on  XX/XX/XXXX .
I spoke with a customer service rep (  XXXX  ) on XX/XX/XXXX , another rep named  XXXX  on  XX/XX/XXXX  and a customer service rep named  XXXX  on  XX/XX/XXXX . These representatives acknowledged that I was correct, that my interest rate change date is  XX/XX/XXXX and my monthly statements continue to indicate it will be  XX/XX/XXXX .
I keep receiving refinance solicitations from Nationstar multiple times per week. I have no interest in doing any such thing with this company.
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks,
Product: Credit reporting or other personal consumer reports

Verification request letters were sent on XX/XX/2023, XX/XX/2023, and XX/XX/2023 regarding the Conn 's Account. Conn 's never responded by mail. I used the Chat Box on the Conn 's website to request for the account history. They finally emailed the information on XX/XX/2023. Conn 's is reporting a charge off on my credit report and that I owe a balance {$1600.00}. However, you can see on the account information that Conn 's sent shows I do not have a balance. Page 4 of the document, Balance due .... ________ I completely paid off this account as requested and this document shows that. This has prevented me from obtaining a loan and I will proceed with an attorney if needed. 


Now, the company is saying I need to authorize a third party. I am not working with a third party. I need this completed ASAP. I personally called Conn 's and requested for the documentation. They know it is me filing the complaint. 

Conn 's needs to respond to this complaint.
Product: Debt collection

After seeing a collection on my credit report. I reviewed my report I did not receive any letter or any correspondence from this collection agency what so ever in reference to a debt owed. After reviewing my credit report, I then contacted the collection agency via certified mail, they received the notice with my information/dispute & correct address where I could be reached. Informed them to provide me with the information and proof of debt and I never received a update or communication via mail. 

Sent the company the dispute on XX/XX/2021 via certified mail for the amount of {$1200.00} They received the dispute on XX/XX/2021. They put Remark on my report : " Account Information Disputed by Consumer, Meets FCRA Requirements '' but never received any correspondence in reference to Proof of debt via mail being I have no idea of what this debt is in relation to. 
again I provided my Current and correct address. Also, my report has my updated correct address on file as well. 
I have also sent out a additional letter due to no response, again with the address they should be sending correspondence to. That letter was sent on XX/XX/2021 Thank you, XXXX
Product: Debt collection

I got a collection notice from XXXX  that I have no idea what it is about.
Product: Mortgage

I am filing another complaint because Wells Fargo Bank continues to misrepresent the truth in my case. The latest correspondence came on XXXX. Again they stated, as per their tape recordings, that I only applied for a {$20000.00} and never asked for a {$10000.00} as I have asserted over the last year. In XX/XX/XXXX, I applied for a {$10000.00} loan with loan consultant XXXX XXXX. XXXX XXXX stated since my house is almost paid for, I should borrow {$100000.00}. I told him that I am a XXXX XXXX  on a fixed income and I can only afford to pay back {$10000.00}. He began to badger me and tried to force to borrow {$75000.00} which I also refused and refused his next offer of {$50000.00}. He continued his rude tactics trying to force me to borrow XXXX XXXX.At that point I informed him that I have a XXXX  XXXX  and he is causing me to have an XXXX XXXX. He continued and told me that. I was not going to get a {$10000.00} loan because there would be no benefit in keeping the loan at {$10000.00} due to the closing cost being rolled over into the new mortgage. This is evidenced in the correspondence submitted dated XX/XX/XXXX on page two, third paragraph. The fact that XXXX XXXX also tried to force me to borrow more than I could afford to pay back is evidenced n the correspondence submitted dated XX/XX/XXXX, on page two, third paragraph, where Case Specialist XXXX XXXX stated that XXXX XXXX recommended the higher amounts to save me on out of pocket closing cost The correspondence today again insisted that their tape recordings prove that I only asked for a {$20000.00} and never asked for a {$10000.00} loan which is totally false. I asked for copies of these tapes as per the Freedom of Information and The Open Records act but my request was refused.
Product: Debt collection

I recently applied for a mortgage and there was a judgement recently added to my credit report on XXXX XXXX,2017 and I did not know I even owed a debt I believe this is a fraudulent account and I was not able to ask the creditor for the validity of the debt because they sent the notice to some unknown address.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it might concern. My only and correct name as it appears on my social security card and ID is XXXX XXXX XXXX XXXX. 
My only and correct social security number is XXXX. 
My only correct address is XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX. 
My only Phone number is XXXX Please delete any name that is not matching my proof of identity. Please delete any addresses that you are reporting which are not on my proof of address attached. 
Attached to this letter you will find a copy of my identification, proof of address and proof of social security number. 
Once my request has been processed, please mail me a copy of my updated credit report reflecting these changes. Thank you.
Product: Student loan

First, I am outraged that I am just learning about income based payments within the last two years. Every time I would call, they would pre-screen me for some type of hardship or deferment. The amount of interest that has accrued in beyond what I could ever pay in a lifetime. This was very deceptive! When I would get assistance for income based-programs the payment was still more than I could afford. I would call time and time and again to explain this to them. I would explain that I have not worked in three years and my husband 's income supports a family of XXXX.  I would still get a ridiculously high payment. They have capitalized greatly as the amount owed has grown tremendously. Had I had a viable option from the beginning, I know that even a small payment would 've decreased what I owe now. 

Secondly, I called them explaining to them that the program I went to school for is no longer offered and the department that offered the program is defunct and they said they could not help with this. They refused to even send me any forms about my options regarding this manner. 

This is a systematic strategy solely for the purpose of generating revenue on the backs of struggling student loan borrowers.
Product: Debt collection

XXXX XXXX repeatedly has shown up to my work, 2 or 3 times in one day. He calls my work 2 or 3 times in one given day. HE has repeatedly called my cell phone. I have since blocked his number so I no longer receive notification of his calls. He had shown up and called my work so many times my office manager told him I no longer worked there in order to get him to stop harassing me at work! Most the time I was not even working and he would continue to call! 
It is has gotten so sever, I am scared every time I leave any place, business, or any where. I am scared to leave that he is following me and that he will cause a scene. I am a single mother of XXXX kids and this man will not leave me alone!
Product: Prepaid card

I applied for benefits via EDD and was approved they have been depositing funds to my prepaid debit card. Due to the fact that I lost my card I had to request a new card Bank of America. I have called and requested a card several times to let them know that the address they have for me on file is not correct and it does not match what EDD has, they tell me that they have no control and they have the address EDD provided them. EDD tells me to contact bank of america.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I've sent several disputes to Experian asking them to remove several accounts from my credit report and not only have they not actually done it yet but they haven't even responded to not one of my dispute letters. I am so freaking frustrated and confused because not only have I had to spend time writing these stupid dispute letters now I'm having to spend even more time writing this complaint because I am not receiving any responses back from Experian. Thank XXXX XXXX  and XXXX have been great and I haven't had to spend too much time getting their help since I am getting responses back from them and they are doing what I am telling them to do. I also thought there was a law saying these guys only had 30 days to respond back to my inquiry?? Well it's been way more than 30 days so I just want to know what the heck is going on here and why they aren't removing these collections and charge-offs from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you regarding the removal of certain accounts and information from my consumer report. The specific accounts and information listed below should not be reported on my consumer report, as this action directly violates the FDCPA and FCRA. It is imperative that you promptly delete and remove these accounts and information from my consumer report, as their presence constitutes a violation of multiple laws. I urge you to take immediate action to remove these accounts and information without delay.
Product: Payday loan, title loan, personal loan, or advance loan

ONE MAIN Financial I GOT A LONE FROM THEM XX/XX/2021 I HAVE BEEN PAYING FOR {$3600.00} //THE ONLY WAY YOU CAN GET THIS LOAN IS YOU MUST GET INSURANCE THE COST OF THAT IS {$680.00} YOU PAY THAT FRIST YOU GO OUT THE DOOR WITH JUST {$3000.00} ONLY IF YOU HAVE A MEDICAL ACCIDENT THE LOAN IS COVERED IN FULL OK I HAVE HAD XXXX XXXX XXXX, XXXX XXXX, IN XXXX XXXX FOR OVER A YEAR EVERY TIME I WOULD HAVE HEALTH PROBIEMS THAY would charge me more now i have paid so much in interest after 3 years i still own the same amount WHY!!!!!!!!!! 
XXXX THE INTEREST ON THIS LOAN IS {$2800.00} AT THE END OF MY LIFE I WILL HAVE PAID {$6500.00} THAT CRAZY!!!!!!!!!!!! PLEASE NO ONE SHOULD HAVE TO GO THOUGH THIS
Product: Mortgage

We recently sold our home which started out as XXXX XXXX XXXX, now PNC. We received a refund check for pmi insurance for {$560.00}, but could n't cash it because it was in the banks name. Several phone calls they explained that was a bulk check and we were getting {$6.00} back from that. I have the original documents signed when I bought the house, and it shows for PMI insurance my maturity date is XX/XX/2017. That probably was correct except I opted to do the twice a month payment when I got the loan. Because of that I was at 53 % at closing. Well below the 78 %. I know what it shows by what I signed, but the numbers do n't lie. 53 % is 53 %. PNC is standing by what is signed not actual numbers. According to the HOMEOWNERS ACT Any loan modification shall payment schedule should be recalculated.mine obviously was not? I have been in contact with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently discovered that my income has been wrongly included in my credit report, which is a violation of the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). I would like to draw your attention to the Internal Revenue Service ( IRS ) guidelines regarding the reporting of cancelled debt as income. As per the instructions found in the 1099-C form for the debtor, cancelled debt is required to include the amount as my income.INCOME is not be reported by consumer reporting agencies. However, I have noticed that this incorrect reporting of my cancelled debt which is my income has occurred on my credit report. The account that is to be removed is XXXX XXXX XXXX  {$4800.00}. This error made by the consumer reporting agencies not only misrepresents my financial situation, but it also has significant consequences for my creditworthiness and financial standing. I believe that this misinformation may lead to potential adverse effects, such as denial of credit, higher interest rates, or inability to secure loans or housing. In light of this issue, I kindly request your intervention to ensure the immediate removal of this inaccurate information from my credit report. I am aware of the rights and protections granted to me under the FCRA, and I trust that the Consumer Financial Protection Bureau will act accordingly to rectify this situation. I have attached copies of the relevant documentation, including the 1099-C form as per the IRS guidelines XXXX to support my claim and provide evidence of the inaccurate reporting. I kindly request that you investigate this matter promptly and take appropriate action to correct the error.Please note that there is no federal law stating that I have to give my SSN to a consumer reporting agency to prove who I am. I have attached my ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported a charge on my credit report and I have no idea what it is. They said it was from a debt in XX/XX/XXXX. I have had two real estate purchases and one car purchase since XX/XX/XXXXand this account, the account number and the account name does not show up on my credit report. I requested a validation of debt on XX/XX/XXXX. They did not have any of my current information as far as address and phone number although I had a current and active XXXX account. I was assured the statements would be mailed immediately. On XX/XX/XXXX, I was informed the " debt '' was sold to Midland Credit Management on XX/XX/XXXX. XXXX, 6 days AFTER I requested the validation of debt. As a consumer, I have the right to receive from XXXX XXXX to validate this debt. The debt is over 7 years old and I have  zero visibility or knowledge what this is. As stated, this account did not show up on my credit report that was pulled in XX/XX/XXXX. All my accounts showed up to date and current. XXXX XXXX  has refused to validate this debt! 
So now what? Am I going to get harassed from MCM? This also needs to be removed from MCM.
Product: Credit card or prepaid card

Company closed my account due to returned payment when I was In the hospital due to XXXX  I had my wife making payments on my account and she was using my old account number I spoke to an agent name XXXXXXXX XXXX XXXXXXXX I ask to speak to his supervisor he was very nasty about the situation and told me he was declining my request I will have my loyalty following up with a law suit for discrimination if this issue isnt handled
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters off over 45 days ago no response from all 3 of these clowns of bureaus. I am tired of dealing with this problem.
Product: Money transfer, virtual currency, or money service

Having trouble seance I'm a foreign person an waiting for my documents the company recurring so I can can manage and secure USA Data and Currency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Cedit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 cosumer reporting agency can not furnish a account without my written instructions U S C 1681 c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years 15U.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 resonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX dateXXXX amount {$570.00}. I sent disputed letters to the credit bureaus for validation of debt. No response. 
XXXX date:10/01/21  amount {$570.00}. I sent in dispute letters for the account and no actions were taken on my behalf.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent {$2700.00} through Western Union to pay my two mortgage payments to XXXX MS. On XX/XX/XXXX I received a letter dated for XX/XX/XXXX that my money had ben declined. When I called Western Union the representatives who I spoke with ; XXXX ID # XXXX XXXX, XXXX ID # XXXX, XXXX, XXXX Id # XXXX, XXXX, XXXX, XXXX, XXXX and XXXX gave me the run around. I was sent to locations in XXXX New Hampshire, XXXX  XXXX XXXX and then XXXX Massachusetts. 

Not one of the locations were able to give me my money back despite Western Union insisting that they would. I called Western Union back they gave me a case number which is # XXXX and reassured me that my money would be overnighted through XXXX XXXX. When I called them today XX/XX/XXXX they stated that they could not provide mw with a tracking number and stated the check was delieved on XX/XX/XXXX. I explained to them that I have not received any check and nor a XXXX XXXX delievery. I told them that if they do not provide me with a tracking number that I would be filing a complaint. I feel that I have been robbed by Western Union and I feel it is fraudulant of them to not send my {$2700.00} back to me.