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

I received two text notifications from XXXX ( XXXX ) XXXX that I sent a person I don't know - XXXX XXXX - {$3500.00} and another {$500.00} to " Total wirless '' using XXXX. I neither initiated or approved either transfer. I immediately started receiving calls that came in from " Bank of America '' and after about 10 minutes felt like the person with whom I was speaking was trying to walk me through steps to ultimately give him access to my account. I hung up. He called back repeatedly. I am now on hold with BofA waiting to speak to an associate. The first person with who I spoke said the person who previously called did not sound like a BofA representative. While I have been on hold I have received multiple texts welcoming me to XXXX XXXX. I don't have a XXXX account and this is clearly some type of breach related directly to XXXX.
Product: Debt collection

A lady called supposedly from Lockhart, Morris, & Montgomery from the telephone number XXXX. First of the time of the call was after XXXX when the website states that the office hours given by the website are only until XXXX. She refused to give her name and was looking for my deceased mothers information. She asked my father who was on the phone with her to send her a death certificate. My father said he wanted a letter stating the type of debt and the original creditor along with a request for a death certificate to be sent via mail. She argued with him insisting that he take down an address to mail the death certificate to her. He then said he was going to put me on the phone so I could discuss this matter with her. When I got on the phone I asked that she send us a letter confirming the source of the debt and how much it was totaling as well as a request for a death certificate and that only then would I send her a death certificate for my mother after reviewing the request with an attorney. She refused and started to argue with me saying I did not have permission to talk with her about it and that my father only gave her permission to give me the address to send a death certificate too. After arguing with her for about two minutes I hung up on her.
Product: Credit card or prepaid card

Hi there - I have XXXX fraudulent charges via XXXX on my AMEX gift card, which basically drained the card of the entire balance of $ XXXX. I did not lose the card, nor was it stolen. 

See screenshot for fraudulent charges. 

The numbers were hacked, perhaps from the company I first used the card at, XXXX Catalog. 

I contacted AMEX and they said they could do nothing due to the 120 day fraud reporting window. But honestly, had I seen these charges when they happened, I would have reported them immediately, but as mentioned, this card just stayed in my drawer, out of sight. 

I hope you can help. 

Thanks!
Product: Money transfer, virtual currency, or money service

On XXXX I was deposited {$100.00} into my skrill account. I then tried to make a transaction for {$10.00} withdrawal to my bank and another transaction for {$90.00} to the same bank. Both were denied by XXXX XXXX within minutes. I tried contacting this skrill all weekend and was sussesful on XXXX around XXXX central. I was advised that I would have the transaction cancelled and refunded to my account on Monday XX/XX/2024. I then contacted skrill on Monday XXXX, 2024 at XXXX central to ask if this could be resolved? Considering the {$10.00} transaction was resolved by XXXX on XXXX. However the {$90.00} transaction has not been. When asked I was told they didn't know why but they'd look into it and get back to me by email. I received an email on XXXX at XXXX stating that it had been resolved. In fact, it has not and they can not tell me where my {$90.00} is. All I want is my money to be refunded. I feel as if I've been scammed for the {$90.00} and they will not let me open another ticket on this matter. Where's my money?
Product: Credit reporting or other personal consumer reports

I am confused and feel so disrespected. I have proof that I constantly reached out to your company regarding my concerns and nothing has been worked on regarding these accounts that are fraudulent to my credit report. Not only is it a violation of my rights as consumer, but also just blatantly disrespectful to me as a person.
Product: Bank account or service

This complaint is based off Administrative Proceeding File No. XXXX I have on several occasions Navy Federal Credit Union have sent me Deceptive Collection Letters and have called me claiming that I needed to bring my past due account of to date or they would be forced to seek legal action against me. Furthermore during XXXX of XXXX up to XXXX XXXX I received paper check that required to be scan deposited due to the fact there were no local Navy Federal Credit Union. Because of the fact a few of my account would become more the ten days delinquent they froze all my accounts including my Visa XXXX Check Card and my Debt Card until I bought that account up to date. I would have to call to get them to remove the lock out and allow me to scan deposit and I would have to bring the delinquent account first or they would lock out all my accounts again. This was very inconvenient as I was in between jobs and also going through a separation that lead to a divorce.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX ad Transunion were sent dispute letters of payment history on the following accounts that have been reported as " late ''. They have violated the FCRA Laws and reported inaccurate payment history on my reports. I need them to have them updated as pays as agreed. 
They have violated my consumer rights on accounts for XXXX XXXX and for XXXX XXXX 
The following laws have been violated and they need to be corrected now. 

15 U.S. Code 1666 B Section 604 Correction of billing errors 15 U.S. Code 1681 Sec 602 Permissible purpose of consumer reports.

15 U.S. Code 1681 Sec 604-2 15USC 1681 S-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If any person knows or has reasonable cause to believe that the information is inaccurate. 

You are PROHIBITED BY LAW to furnish inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately. 

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is my final opportunity to Cure and UPDATE This Erroneous, Inaccurate reporting on my accounts from my Consumer Reports.
Product: Student loan

I applied for a direct consolidation loan and the XXXX repayment plan at the end of XX/XX/XXXX, the consolidation loan was approved, and they delayed the XXXX plan and my application was closed without approval. I've uploaded documents multiple times to Mohela and XXXX and they are no longer showing that I uploaded them. I most recently uploaded another round of application for the XXXX on XX/XX/XXXX and I'm awaiting a repayment plan notice. I tried calling Mohela and the wait time exceeded XXXX minutes and I have a job and can not wait that long. I have emailed Mohela and only gotten notices that I am behind on paying. I am incredibly frustrated that this is happening. The process has not been this bad until XXXX XXXX and now everything is messed up and I can't get any information.
Product: Consumer Loan

The card was paid and was agreed to remove from credit report and was not
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting

Chexsystems has a bank on my report that should n't be on there. They removed one bank but they did n't remove the other. They should have removed it. It does n't belong to me and I would appreciate them removing it. I am tired of going back and forth with them. I just want it removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I had a 0 % interest offer from Citibank, for which I paid a 5 % upfront fee. They then charged me interest on their annual membership fee ( {$0.00} " minimum interest charge '' in XX/XX/XXXX and {$1.00} " interest charged to standard purchase '' in XX/XX/XXXX ) despite the fact that I paid more than the annual membership fee balance by the due date the next month. They said that because I had a " rotating balance '' they charge interest on " new purchases '' from the date of purchase until it is paid off. 

This does n't seem right to me, since if I had a XXXX balance with them, and paid off my balance within one month, they would n't charge me any interest. It 's only because I had a " zero interest '' balance with them that they charged me. That does n't sound like zero interest to me. I do n't think they should be allowed to do this. 

I realize that in the scheme of things, this is a very small matter and amount, however, if they do this to hundreds of thousands of people, the amounts can add up quickly for the bank. This should not be allowed.
Product: Checking or savings account

On XXXX XXXX my check was direct deposited into my checking account. My check was {$10000.00}. 
I transferred {$5000.00} into XXXX saving account paid some bills then transferred {$2000.00} into my second savings account. A few hours later I logged into my Bank of America account and a warning popped up that said XXXX of more of your accounts has been locked please call us. I called immediately and sat on hold for a total of XXXX hours and XXXX minutes before someone answered. In between waiting for someone to answer I actually drove up to the branch while still on hold. In the branch I was told that I had to remain on hold, however they looked at my account and told me on their end they can see that my accounts will be closed. They couldnt provide an explanation as to why. When someone finally picked up the phone, the only information I was given is that my account is under investigation for XXXX hours. I inquired as to why no one reached out to me to inform me about my accounts being locked. I was told someone would reach out. To this moment my accounts are still locked and no one has reached out to explain a thing to me. I am suppose to pay for my wedding next week and now is at risk of not having a wedding and losing the deposits I already paid due to all of my money being tied up. This is completely unacceptable and inconsiderate as I have children and a life that need funds to maintain it.
Product: Credit card

Discover Card refuses to call back or respond. I have complained here about at least XXXX separate, different issues and they automatically close all my complaints saying they are duplicates even when they aren't. I call and they claim they can't help me because it's the wrong department and they have to transfer me, but either they disconnect me, they transfer me to a line that is closed and automatically hangs up, or they claim their computer system is down and someone will call me back. This has been going on for XXXX years now and not a single person has called me back or responded to an email not once. Discover is stealing money from people by adding charges to their accounts and they refuse to give consumers a chance to get it fixed by blocking all lines of communication. This is absurd and needs to be stopped right away. It should also be noted that I have had XXXX fake charges on my account in XXXX year 's time and they refuse to respond, claiming ANY dispute is the same as a previous one.
Product: Payday loan, title loan, or personal loan

XXXX XXXX i sent a notarized Demand for Debt Validation by certified mail to Lending Club as my documents will show as well as the single letter I received a response indicating that there were not the original creditor and have not ceased and desisted pursing the alleged Debt. Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization to approval of a specific extension on credit directly or indirectly by the issue of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, Congress said ANY card. The credit card is my social security card. This is the card which was used to originate the consumer credit. This is a consumer transaction in which a finance charge was involved. In addition there has also been negative information added to my consumer credit report on XXXX, XXXX and XXXX bureaus which under tittle 15 chapter 41 my rights have been violated. I am protected consumer under title 15 Chapter 41.
Product: Debt collection

In XXXX I was XXXX years old when applying for student loans to pay for education while assisting me in room & board expenses. I was not educated on credit as my family struggled with crippling debt. So, unaware of the real-life consequences that missed payments can have on credit I struggled to make payments. Then financial hardships occurred in XXXX leaving me unable to make any payments whatsoever. I called the company to restructure payments with no assistance and finally, the payments when into collections on XX/XX/XXXX, of XXXX. The calls and emails were relentless and would go far past XXXX XXXX as well. 

I am currently extensive efforts to rebuild my credit such as getting secured credit cards to work towards a good credit score. I want to be responsible after taking debt relief and credit education courses to improve my financial literacy and situation as a whole.
Product: Debt collection

I found out in XX/XX/2018 that XXXX XXXX XXXX had 2 accounts in collection noted on my credit report. In XXXX, they sent me a letter about the accounts which I returned via certified mail requesting validation of each. Nothing came. In XXXX, I resent the letter via certified mail requesting validation under the FCRA, they sent a letter stating " their records are accurate and correct '' but nothing else. I returned that letter stating this was not 'validation ' under the FCRA and they must immediately remove the listed items for failure to validate per the FCRA XXXX again, they sent me a collection letter and we repeated these actions in XXXX, XXXX and XXXX. I am done! They can not validate these accounts and sending me a letter stating " Our files are accurate and correct '' is not validation, they simply can not validate and therefore must remove immediately. Thank you. I can submit backup docs upon request
Product: Mortgage

My mortgage was transferred to Mr. Cooper. I have been trying to submit a payment with them and they told me they accepted it but they never took money from my account and keep sending me letters with default payments. I have recorded an automated system with the confirmation of my payment. It looks like their system is not working or they are doing it on purpose to get over my equity. I found multiple complaints from the other customers online on the same matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send in a dispute request for all 3 credit bureaus ( XXXX  Experian XXXX XXXX ) to update the XXXX balance to XXXX} or remove the account as the XXXX   sent me a 1099-C to pay taxes on the debt that was owed/ XXXX verified the balance that issued in my 1099-C form on XXXX XXXX when the issued a cancellation of debt let to me back XX/XX/2018.
Product: Checking or savings account

To whom it may concern, I, XXXX XXXX am writing you as an aggrieved man. My identification was stolen, and a WELLS FARGO bank account was opened in my name without my knowledge and or consent. I, XXXX XXXX am not and have never been a customer of WELLS FARGO. I have obtained a police report regarding this fraud and am forwarding it along for you to view. Please remove this fraudulent debt out of my name poste haste. Thank you. 


I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission, and the XXXX XXXX XXXX. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau XXXX CB ) XXXX then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, so they are also aware that I dispute the debt. 
Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I had a broken pipe and my home was damage, XXXX XXXX. step in and did and evaluation and immediately start initial work. As soon as they finish the constructor completed the reconstruction and I paid them meanwhile XXXX send the check. 
When XXXX send me the check, I have to endorsed to Newamerican for them to evaluate the damages en return me the money I already spend. New American send an inspector and at this time is giving me a hard time to collect that money.
Product: Debt collection

My rights have been violated. I was not informed about this debt going to collections. Please view regulations. 

15 U.S. Code 1681h - Conditions and form of disclosure to consumers. A consumer reporting agency shall require, as a condition of making the disclosures required under section 1681g of this title, that the consumer furnish proper identification. 

Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$680.00} Amount {$680.00} Status Date XXXX XXXX, XXXX Status UNPAID Balance Date XXXX XXXX, XXXX Account Designator Code IXXXX Account Number # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX 2017
Product: Credit reporting or other personal consumer reports

Account name : XXXXXXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance {$1300.00} is not my account. I have never open this account and it was not authorized. Account name : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2100.00} is not my account. Also says this account had been bought so it shouldnt be on my credit report plus it was not authorized. Account name : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1100.00} is not my account. Account name : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00} is not my account and was not authorized. Account name : XXXX XXXX XXXX XXXX has been paid and should be off my account. Account name : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00} is not my account and was unauthorized. Account name : XXXX XXXX XXXX is not my account.
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 


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

Beginning in XX/XX/2020 I began working to correct issues related to my credit report that contained medical collections. These medical collections were supposed to be covered my insurance but for some reason they werent processed incorrectly and not in a timely fashion and when I found out the items had been sent to collections agencies. I reached out to Receivable Solutions INC to make arrangements to clear the debts and was told that they did not have any items in their office for me, I asked the agency to remove the items that they were reporting. Nothing has been removed as of yet, I have also sent certified letters requesting that those items be removed and have not received any response.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account Name : XXXXXXXX XXXX  : Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains several billing errors indicating late payments that are out of character for my usual prompt payments. Please rectify this immediately.