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

SOME OF MY PERSONAL DATA WAS HACKED AND SUPPOSEDLY AVAILABLE ON THE DARK WEB. I HAVE XXXX PERSONAL CHECKING ACCTS AT CATHAY BANK. 
I ONLY USE CHECKS FOR DISBURSEMENTS AND SIGNED UP FOR ONLINE BANKING AS IT WAS SUPPOSED TO BE SAFE, SECURE, AND CONVENIENT. 
I DO NOT MAKE WIRE TRANSFERS OR INTERNET TRANSFERS. 

FROM XX/XX/XXXX THRU XX/XX/XXXX, THERE WERE XXXX UNAUTHORIZED TRANSFERS FROM MY ACCTS TOTALING {$16000.00}. I WAS NOT INFORMED ABOUT THESE TRANSFERS AND ONLY BECAME AWARE OF THEM WHEN I DOWNLOADED MY BANK STATEMENTS AT THE END OF THE MONTH. I REPORTED THE FRAUD TO THE BANK AND THEY SAID THE PASSWORDS AND IP ADDRESSES USED WERE VERIFIED AS ONLY BELONGING TO ME. THESE TRANSFERS WENT THRU XXXX BANK OUT OF STATE WHO I HAVE NEVER HAD ANY BUSINESS RELATIONSHIP. THE BANK SAID VERIFICATIONS WERE MADE THROUGH MY CELL PHONE NUMBER. I DISCOVERED THAT MY CELL PHONE WAS ALSO HACKED AND CALLS WERE BEING DIRECTED TO ANOTHER PHONE NUMBER. 

SUBSEQUENTLY, I REPLACED ALL MY BANK ACCTS, CHANGED ALL MY PASSWORDS, AND CLEANED MY PHONE AND COMPUTERS. CATHAY BANK DOES NOT PROVIDE A CONTACT FOR FRAUD COMPLAINTS. MY COMPLAINTS TO THE BRANCH STAFF GENERATED NO PROGRESS. AS A FORMER BANK XXXX XXXX MEMBER AND LONG TIME CUSTOMER, I CONTACTED THE CEO OF THE BANK. THAT RESULTED IN ANOTHER REFERRAL TO THE FRAUD DEPT AND THE SAME DENIAL OF MY CLAIM FOR REIMBURSEMENT DURING THIS TIME, I ALSO EXPERIENCED SOME FORGED CHECKS ON THESE ACCTS AND SIMILAR UNAUTHORIZED TRANSFERS AT MY XXXX ACCTS. 
CATHAY BANK DID REIMBURSE ME FOR THE FORGED CHECKS AND XXXX REIMBURSED ME IN FULL FOR XXXX UNAUTHORIZED TRANSFERS WITHIN 30 DAYS. 

AFTERWARDS, I LEARNED ABOUT AND SIGNED UP FOR THE BANK 'S POSITIVE PAY PROGRAMS WHICH PROVIDE MUCH IMPROVED MONITORING AND PROTECTION FROM FUTURE FRAUDS.
Product: Mortgage

On XX/XX/XXXX, I was given Durable Power of Attorney, both financial and medical, for XXXX XXXX XXXX. He has been diagnosed with XXXX XXXX and other illnesses. He has a reverse mortgage on his home with Champion Mortgage. Their contact information is as follows : XXXX XXXX XXXX, XXXX, Texas XXXX. Telephone ; XXXX. I have been trying to be acknowledged by this company since XX/XX/XXXX, with no success. I have sent them my power of attorney and addresses, and they still refuse to send me XXXX 's statements or any information regarding his account. It 's almost XXXX and they continue to tell me they do receive my faxes or it 's in 'process '. Last week his caregiver called with a letter he received that threatened to bill him some {$2400.00} for homeowners insurance, since his has lapsed. This is not true. I have all his accounts current including property tax and homeowners coverage. I have been told his account is in default and they threatened me last week with foreclosure. To date, they refuse to send me his statements. I have talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and today, XXXX, supposedly a supervisor. I faxed all my information to him again using two fax companies with a note to please call me with confirmation that he received everything. He still has not called to confirm. I need your help.
Product: Vehicle loan or lease

On XX/XX/2022, I filled out a credit application with capital one auto and was approved for the price of the vehicle of {$28000.00} and the dealership stated they asked for down payment of {$2500.00} which was after the applied for credit. Capital one gave me approved credit for my vehicle and I am now requesting to rescind my down payment. Per your consumer law cash can not be included in a credit transaction. I am not sure if I selected the proper steps for this complaint. I was not expecting to give a down payment. If there is nothing that can be done. I understand.
Product: Payday loan, title loan, or personal loan

I have requested that Uplift stop autopay on my XXXXXXXX XXXX XXXX through email. Uplift has refused. They are stating that I must call or use the chat feature. There are two issues with Uplift 's request. 1. Chat feature will not work, and states I must call. 2. The call-in wait times are 75+ minutes. Uplift falsely states that it is the policy that they must read a disclosure. When I started auto pay, I did not get a disclosure ; why would I need one to stop autopay. XXXX  rules are apparent that a merchant must comply with when a cardholder requests to be stopped billed. They violate these rules.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several inaccuracies. I sent a letter to EXPERIAN in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.
Product: Credit card

I was hospitalized over 20 times during XXXX and this card was opened and used without my knowledge.
Product: Credit card

I have my Bank of America credit card set up to make auto payments for the minimum amount and it has been set up that way since I first got the credit card. The payment is set up for the XXXX and is usually taken from my account by the XXXX. When my payment came out this month my auto payment was changed to take the full statement balance and I did not authorize that. I never went in and changed it from the minimum to statement balance. The minimum payment to be take was to be XXXX on XX/XX/XXXX but instead a full statement balance amount of XXXX was taken on XX/XX/XXXX which was not authorized and I now have a negative bank account balance. I want to know who changed my auto pay settings as I did not as their system is old and outdated and it is complicated to go in and change these settings. I called the company and they are supposed to reverse the payment but stated that it may take up to 10 days for the reversal which doesn't help as my bank account is currently negative.
Product: Student loan

I have both private loans and federal loans that are serviced through Navient. Every time I have tried to have them work with me in regards to making my payments affordable their only solution is forbearance. They have no other options and state there is nothing else they can do for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with experian to help an clear my report. alot of data is inaccurate that is hindering my file. it is not 100 % accurate across all credit reports. please delete an remove all negative items to help clear my credit file asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX MD XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX  XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX  XX/XX/2022
Product: Consumer Loan

After having to retire early for my health, my husband and I had to take out a loan from AVANT to make it while I 'm waiting on SSA. Since we planned on paying it off it large payments we chose a loan company that advertised " no pre payment penalty ''. AVANT neglected to tell us that it must be done in XXXX lump sum. I paid {$2800.00} in the past month and only {$380.00} went to the principle. Apparently AVANT does tell you, just not in terms a lay person understands. I SPECIFICALLY asked if I could pay the loan in large payment to avoid the interest. AVANT completely reassured me I had no worries. To date we have paid about {$10000.00} on a {$20000.00} loan and our buy out from AVANT is just under {$18000.00}!! And unless I get a lump sum from somewhere else there is n't anything I can do. I asked AVANT the right questions, AVANT purposefully answered in half truths. I totally feel lied to, mislead, and scammed. Is this predatory lending? Is this legal? Is there anything I can do?
Product: Credit reporting or other personal consumer reports

I previously had a mortgage in good standing for years. Then I applied for a loan payment forbearance then a loan modification which was eventually approved. I was advised by the mortgage lender during this four months process that everything was okay with my credit it I was lied to. Despite being in constant communication with my mortgage lender during this period and being approved for a loan modification, they were reporting four months of late payments which has never been corrected. During the last few weeks of this four months process I received an inheritance and paid my loan off in full yet flagstar bank has never corrected my credit report. These incorrect late payments on my credit report has affected my XXXX credit score tremendously negatively. I even reached out to them in writing again about this past week and was denied. 

Please correct my credit report by removing all late payments from flagstar bank as soon as possible please.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I learned of this debt when checking my credit scores one day. I was unaware of this debt as no Dunning Notice was sent to me. The company has also not verified my request for proof, including my original signature, that the account is in fact mine. When contacted through the XXXX  all they sent me was a letter with an offer of a payoff plan from a third party, their purchase information from the original creditor, and statements from the original creditor. The amount of the debt is {$600.00}. The company bought this debt on XX/XX/XXXX, reported the debt to credit bureaus on XX/XX/XXXX, and the third party sent me the letter with a payoff plan offer on XX/XX/XXXX. I originally disputed this debt on XX/XX/XXXX through a credit repair company - this dispute never received a response, which is enough to remove the debt from my credit report to begin with. I complained about this company to the XXXX on XX/XX/XXXX. The company responded to my complaint on XX/XX/XXXX and declined their response XX/XX/XXXX. I received a second response from the company on XX/XX/XXXX, which I declined on the same date. The company has not provided any proof that an acceptable Dunning Notice was sent prior to reporting to credit bureaus or proof, with original signature, that the account is mine.
Product: Debt collection

On XXXX/XXXX/15, I received multiple call from a XXXX XXXX representing Evan and Associates telephone numbers XXXX and XXXX. XXXX XXXX requested that I verify the last XXXX digits of my social and dated of birth. Due to the increase in fraud, I requested the full name of the company and the address. She provided the name Evan and Associates but refused on multiple occasions to provide and address and corporate number in order verify it was a true company. She stated that the call was being recorded on a federally recorded line and that she would notate my refusal to pay. I advised her I was not refusing anything ; I wanted verification of the companies ' existence. 

On XXXX/XXXX/15, I received a second call from XXXX XXXX who informed me that this was my last opportunity to resolve the matter before I would be subpoenaed at my place of employment. She again refused to verify any of the company information and I refused to verify if the information she had was mine. She then stated I would be served at work, to make sure I had XXXX forms of ID and a witness for my signature. 

Within XXXX minute my brother contacted me and stated that an Investigator named XXXX XXXX contacted him and that they were attempting to contact me for committing fraud. I contacted the number at XXXX and was transferred to a Fraud division, and spoke to XXXX. She again advised that this was my last opportunity to resolve the matter or I would be served and she can only place a temporary stop order for XXXX hour. 

Again, I asked for the full company name and address ; she advised it was Evans and Associates at XXXX XXXX XXXX, FL but would not repeat the Suite number. She was very rude and spoke quickly. 

During my conversation with XXXX, she kept making contact with a man named XXXX, stating he can proceed with serving me at work, gave him my full name and additional personal information. She then stated the documents were filed with the XXXX XXXX XXXX XXXX. That my license was suspended for fraud and that charges were being brought against me. She provided my tag number and me with the type of vehicle I drove and stated that it would be all suspended and I would be driving with a suspended license and vehicle tag.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, have contacted the companies to confirm the information on the credit report and confirmed that the information is correct. by doing a deep look through my credit report I noticed that some of the information was not accurate. 

credit XXXXXXXX XXXX XXXX  Account number # XXXX Address : XXXX XXXX XXXX, XXXX, SC XXXX amount of {$360.00} In accordance with the Fair credit reporting act acct # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it's also stating a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts on my credit report that were compromised in a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent or unauthorized accounts resulting from identity theft removed from my credit report. 
The following accounts were not authorized by me and were added to my credit report as a result of identity theft : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$8200.00} XXXX. XXXX Bank Account XXXX : XXXX Date Opened : XXXX Balance : {$5200.00} XXXX. XXXX XXXX Bank XXXX Account Number : XXXX Date Opened : XXXX Balance : {$1800.00} XXXX. XXXX XXXX Bank XXXX Account XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00}
Product: Debt collection

My complaint is about XXXX XXXX XXXX - collection agency recently form in NY. 
This is a debt collection Agency who refuses to give me a physical address. Instead, all they gave me was a XXXX XXXX XXXX 
Their tactics have included : falsely identifying themselves as a lawyers office or a mediation firm. Additionally, they have threatened arrest and stated that someone from the Sherriff 's office would be coming by to arrest at XXXX. 
Additionally, they have restated back personal information to identify that they know " what car XXXX drive '', etc. 
Additionally, they have spoken with other members about the debt other than an immediate spouse. 
I have today filed a CEASE and DESIST letter with the agency. 
I have today spoken to the original debtor -TD Bank XXXX who apparently sold the debt to another company and who apparently sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX. They state that they have begun to have complaints about this company and asked me to send them a copy of the Cease and Desist letter. 
The original debt was about {$150.00}. XXXX has asked as much as over {$1000.00} or threatened arrest. 
These people need to be shut down. 
I have contacted an attorney on a cursory level who informed me to submit a cease and desist letter.
Product: Money transfer, virtual currency, or money service

All monies reportes to be returned. 

I have remaches out mltiple times for support & have always gotten a chatbot that provides very vague & generic information.
Product: Checking or savings account

On XXXX dates an entity by the name of XXXX XXXX charged {$50.00} on each date ( for a total of {$100.00} ), The dates are XX/XX/year> ( {$50.00} ACH charge to XXXX XXXX ) and XX/XX/year> ( {$50.00} ACH charge to XXXX XXXX ). 
These charges were not at all authorized by me or my partner. I could not find any entity by that name. 
These charges are fraud. 
The bank- Capital One refused to reinstate the funds into our account saying in a letter dated XX/XX/year>, that we did not respond to the fraud within XXXX hours. 
The bank Capital One could not or would not provide me with any information regarding XXXX XXXX, i.e. no contact information, no idea how they took this money or XXXX XXXX.
Product: Credit card or prepaid card

XX/XX/2022 a fraudulent charge transaction took place at a travel agency XXXX. I called my Jet blue card Barclays Bank that day and was told I had to start a fraudulent transaction on my account. On XX/XX/XXXX I received a letter stating my account was closed pending investigation. On XX/XX/XXXX I received a letter the merchant had proof I did the transaction.I said I wanted it reinvestigated and was told to fax a request with all the reasons why. I asked to see proof of this transaction and was told I would receive it by XX/XX/XXXX. Never received anything. Received a letter on XX/XX/XXXX account was closed and I would not be held responsible until investigation was complete within two complete cycles from the date the suspicious activity was reported. 
On XX/XX/XXXX th I called the phone number for the fraud department asking to please give me some answers and proof of this transaction. I was told I would get the proof within 10 days. He also asked if I had proof it was not me. I asked to speak to a Manager and was told I would receive a call within a week. That never happened. 
No one ever told me I had to prove it wasnt mine and still never got proof of the transaction. 
I took it upon myself to call the XXXX XXXX agency and found out the trip was to the XXXX hotel in XXXX XXXX for the dates of XX/XX/XXXX to XX/XX/XXXX. 
I was in XXXX from XX/XX/XXXX to XX/XX/XXXX all on my Jet Blue card how can I be in two places at the same time. I sent copies of my charge card statement, copy of my passport showing dates and asked what the hotel had for picture ID. Again I asked for proof with fourteen pages I faxed asking for them again to investigate and at that point one of the representatives I spoke to told me to place a dispute on the charge which I was told I should have done in the beginning. I did what the first Representative I spoke to told me to do. 
I called another number in the dispute number and am now awaiting again for proof as they look at this again. As of XXXX I was told I am responsible again as the dispute can not be put on after the fraud department gets the claim. Few days shy of 5 months and still no proof of this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XX has improper grammar it says the account is potentially negative and it says paid I'm saying that the monitoring of the account is incorrect it was paid the first two years of a four-year contract and a couple months was unpaid and then went into negative but the account was later paid off in the account is paid now they also settled then I paid I believe the account should say potentially settle and paid it should not say potentially negative although the town had a few months unpaid it was 2 years pay on the same account so it's just say potentially settle and paid and if it says potentially negative and paid off it is considered incorrect grammar
Product: Credit reporting or other personal consumer reports

I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting

I have worked for the same company for 20 years and it is n't showing up on my credit report.
Product: Mortgage

My mortgage account was about to go I to foreclosure. I applied for a COVID 19 stand alone option for a mortgage modification agreement to bring my account to good standing. I filled out the paperwork PHH mortgage sent to me. I had I notarized and sent back within a week of receiving the documents. Called 5 business days later to check on status. They told me the notary made an error and I would need to re-do by the same deadline ( 4 business days away ). I completed the packet and check the notary filled out the proper section exactly the same as my state issued ID. I sent the packet in over night express mail. I called that following business day ti confirm receipt. Could not speak to someone could only leave a voice mail. Over the next 5 days I called 6 times and left 6 messages. As of the date of this complaint I have not had a response to my calls. I have instead received a notice of foreclosure ( dated before I sent the corrected packet back in ) and I have received one call from PHH collection trying to collect the full balance to avoid a foreclosure date of sales. I have try them back twice more with no response. To make matters worse, I am now assigned to only one contact there, whenever I call in I am automatically transfered to one person. I can't reach anyone else in the company.
Product: Credit reporting

Equifax is refusing to remove the CH XXXX bankruptcy from my credit file. I filed back in XXXX XXXX so the public record should have been removed on XXXX XXXX. I called them last week and I was told that they would not remove it and would stay on my file until XXXX XXXX.
Product: Debt collection

There is an item listed on my credit file that is unknown. I have tried to request validation and dispute this item and have received nothing. I 'm in need of some help from your agency.
Product: Debt collection

XXXXebt was paid in full XXXX. Now I owe {$XXXX} no contact until collection agency contacted me.