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

On XXXX An amount of {$10000.00} was debited from my Simmons Bank account by an external transfer from XXXX XXXX. The funds were taken out of the Simmons Bank account but never ended up in the XXXX XXXX Account. As per XXXX XXXX these funds were rejected and returned to Simmons on XXXX 

As of XXXX The funds are missing. They never posted to the XXXX account and have not been returned to the Simmons Bank account. When I called Simmons Bank, they are unwilling to do a fraud report. I have tried calling them XXXX different times. They have no idea where the money is, nor do they give any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft : XXXX XXXX : - XXXX XXXX XXXX XXXX XXXXL XXXX XX/XX/XXXX {$1600.00} - XXXX XXXXY XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$150.00} - XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$83.00} - XXXX XXXX XXXX DRS XXXX XXXX AND XXXX XX/XX/XXXX {$83.00} INQUIRIES : - XXXX   XXXX NA XX/XX/XXXX XXXX XXXX : - XXXX Apr XXXX {$1400.00} - XXXX Apr XXXX {$1500.00} - XXXX XX/XX/XXXX {$1500.00} - XXXX XX/XX/XXXX {$1000.00} - XXXX XX/XX/XXXX {$1600.00} - XXXX XX/XX/XXXX {$820.00} - XXXX XX/XX/XXXX {$83.00} - XXXX XX/XX/XXXX {$750.00} - XXXX XX/XX/XXXX {$1000.00} - XXXX XX/XX/XXXX {$83.00} - XXXX XX/XX/XXXX {$150.00} INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION COLLECTIONS : - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$83.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$820.00} - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1100.00} - XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$750.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} - XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX {$150.00} - XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX {$83.00} INQUIRIES : - XXXX XXXX XX/XX/XXXX 2019
Product: Credit card or prepaid card

On XX/XX/2020 I purchased a flight and resort stay through XXXX  for the amount of {$3300.00}. It was then cancelled without a refund due to closing of the company on XX/XX/2020. I made a dispute through my citi bank credit card on XX/XX/2020 as advised by both XXXX and citi customer service. On XX/XX/2020 I received a denial of money due to being in merchants favor even though I did not receive my goods or services. I verified this through the airlines and resort on the date of XX/XX/2020 previous to taking further action in disputing through Citi cards. I also received an email verifying the cancelation on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Companies Involved : TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent several disputes concerning these inquiries on my credit report ; these inquiries are fraudulent and I want them removed. I have made several attempts calling the fraud department at these bureaus and I have expressed that I have unauthorized inquiries on my credit report and that someone was using my Social Security number for personal gain. According to the fair credit reporting act, FCRA, legally, these unverified and unauthorized items must be removed.
Product: Payday loan, title loan, or personal loan

I borrowed {$2000.00} during the XXXX XX/XX/2020, due to financial XXXX I was in XXXX XXXX of needing the loan or my family and myself wouldve been homeless. This Companys interest rate is ridiculous. The interest rate on the loan was 231.47 %. I ended up paying them {$7000.00} for a loan. Thats because I paid it off early. If I had continued to pay them through the end of the loan period. I wouldve paid them a total of {$9800.00} just to borrow {$2000.00}. This is highway robbery to consumers. They shouldnt be allowed to make this type of money off of poor people. Who are struggling trying to make ends meet. Some people dont have a choice or no where else to turn. Theyve taken advantage of hard working citizens. They shouldnt be allowed to operate as a business.
Product: Student loan

I made a lump sum payment of ~ {$11000.00} in XX/XX/XXXX to XXXX ( Now Aidvantage ) to pay off my student loans. 

On XX/XX/XXXX, I requested a refund of my lump sum payment and was informed it would take about 4 weeks to have the balance reflected back on my account, with a refund back via direct deposit after another 1-2 weeks. 

With no updates, I called on XX/XX/XXXX ( 5 weeks ) to check what's going on and was told that the refund was approved but still processing, and that it would take 6 weeks now from requested date to update the Aidvantage account balance. Since the XXXX increased, I asked if it was possible to expedite my refund in any way, and the representative said it wasn't possible. 

Called again today XX/XX/XXXX ( 7 weeks ) to check for updates as my account balance is still unchanged. An automated bot responded with a 10-12 week turn around time, more than the updated 6 week XXXX. I was able to get hold of a representative, who informed me that she needed to transfer me to someone who can help. A moment later, I was greeted by another automated bot that said it wasn't set up, and that I can no longer be helped and hung up. 

All requests for written confirmation on approvals and turn around times via email/text/mail were denied by Aidvantage and their reps XXXX Which is leading me to believe that my refund is being intentionally delayed without reason.
Product: Credit reporting or other personal consumer reports

Capital One credit card company sent me and CFPB a document that's false. I have never sent a cease and desist letter, It was no need I paid my charge card off in XX/XX/2018 in full never late. The phone number that was on document no one is answering I call XXXX times, no one is returning my call. XXXX XXXX XXXX.
Product: Mortgage

I took out a mortgage loan. The mortgage company advertised a low payment and interest rate. However, the monthly payments and interest rate were not low as promise. The bank has started XXXX foreclosure procedures without success. Two different bank have sue me. I tried to do loan modifications several times but were denied without clear explanation.
Product: Mortgage

The loan has been in forebearance for a year and with the presidents order of extending the 12 months and he extended it for another three months., I applied for this and Bayview/Community Loan servicing is refusing to process the request. THey told me that the presidents order means nothing to them. I applied for the extra three months making it 15 months in the middle of XXXX and they have done nothing. I do not want to lose the extra three months please help.
Product: Money transfer, virtual currency, or money service

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

I have a checking account with Bank of America, and also a Bank of America credit card. My only income is my Social Security, which is a direct deposit into my checking account. Bank of America Credit Card illegally confiscated funds from my Social Security income that is being directly deposited into my bank account to apply against my credit card balance. In so doing, it also caused my checking account balance to become overdrawn, which resulted in a number of bank charges against my account as well. Following is a summary : XX/XX/XXXX {$75.00} illegal charge. 
XX/XX/XXXX {$35.00} bank charge-overdraft fee. 
XX/XX/XXXX {$35.00} bank charge-overdraft fee. 
XX/XX/XXXX {$75.00} illegal charge. 
XX/XX/XXXX {$35.00} bank charge-overdraft fee. 
XX/XX/XXXX{$35.00} bank charge-overdraft fee. 
XX/XX/XXXX {$35.00} bank charge-returned check fee. 
XX/XX/XXXX {$12.00} monthly maintenance fee. 

A letter was sent on XX/XX/XXXX to the Bank Manager of the Branch where my account is located, requesting that these illegal charges and fees be reversed, which would result in a balance of {$150.00} in my account. I requested a check to be sent to me in that amount, and to then close my account. I have not had a response from them to date.
Product: Debt collection

AmSher Collections Is Reporting A Collection On My Account I Have Contacted Them By Phone And Email With My Dispute & Validation Letter Within The Email Thread You Can See That They Are Lying.
Product: Credit reporting or other personal consumer reports

Enclosed is a detailed compilation, along with corresponding dates, of hard inquiries on my credit report that were not authorized by me. It is imperative to note that these unauthorized inquiries were conducted fraudulently, significantly hindering my ability to secure a new home for myself and my family. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I kindly request that you conduct a thorough investigation into these unauthorized hard inquiries and provide me with detailed information on their origin and purpose. Furthermore, I am seeking confirmation of my handwritten signature or another form of documentation that validates my authorization for these specific credit inquiries. I understand the importance of maintaining the integrity of credit reports and appreciate your prompt attention to this matter. Please keep me informed of the progress and findings of your investigation. Thank you for your assistance in resolving this issue promptly.
Product: Debt collection

I have submitted a FTC Identity theft report to each company and collection agency due to identity theft and they still are reporting the account and calling me. I have also sent the police report and ftc report to each credit agency and they are not helping with this situation saying the collection companies have to delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX  account number XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish account, without my written instructions .15 U.S.C 1681c ( a ) ( 5 ) section States : no, consumer reporting agency may make any consumer report containing any of the following items of Information, other than records of convictions of crimes Which antedates the report by more than seven years .15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable call to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. I am complaining again to remove the items indefinitely Here are the Aforementioned items : XXXX XXXX XXXX .... Balance - ; XXXX XXXX XXXX XXXX... Balance {$4600.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Date of request XXXX XXXX XXXX XXXX XXXX  Date of request XX/XX/ ; XXXX XXXX Date of request XXXX
Product: Credit reporting or other personal consumer reports

NAVY FEDERAL CREDIT UNION, a financial institution and furnisher of information, along with XXXX, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by NAVY FEDERAL CREDIT UNION and XXXX being willfully noncompliant with the proceeding federal regulations.

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. NAVY FEDERAL CREDIT UNION and XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. NAVY FEDERAL CREDIT UNION and XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. NAVY FEDERAL CREDIT UNION and XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint.

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s )  responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER XXXX XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER XXXX XXXX
Product: Debt collection

I was contacted on XXXX/XXXX/XXXX by XXXX XXXX XXXX who represents " Zenoco Collects '' about a XXXX debt in XX/XX/XXXX. This debt was sold off by the original creditor and eventually paid by me. This debt no longer stands valid. That debt has been paid and satisfied. XXXX XXXX told me the IRS has sent me a XXXX form which i did n't answer and he was looking to collect for them. He was willing to settle for {$600.00}. He threatened legal action if i did not settle with him by XXXX. I asked for him to verify this debt by sending me an email with said documents, which he never sent out. I then called the IRS to see if there was any pending outstanding balances with them in which they told me no outstanding balances or litigation. Then i called XXXX XXXX back twice and he did n't pick up. I called them to complain and they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX Account # :

XXXX  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 con
sumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Around XX/XX/XXXX, I received a notice to appear before a court, in regard to an Affidavit of Judgment made by Portfolio Recovery Associates, LLC. At the time, I was not aware of who this company was, nor the request of my appearance. So, I decided to look further into PRA, XXXX  and the reason being of me going to court. I first checked my local case search website, and discovered that an attempt to take me to court went back into XXXX of XXXX, which was unbeknownst to me. I also noticed that the recent court date received as erected from an alleged summons that I did not receive. I later produced a request for a validation of debt as well as filed for a motion to strike. Their correspondence was a packet with alleged records of transactions made through XXXX XXXX, along with an alleged statement about the debt being sold to them by XXXX XXXX. I continued to dispute this alleged debt because it was honestly not mine. I sent a letter to XXXX XXXX to investigate how and why my name and other personal information was being used for something that was not in my doing. Also, I expressed to them that I never had nor opened an account with them to begin with. Fast forward, a XXXX  hearing was conducted sometime in XX/XX/XXXX for my Motion to Strike Service, and I requested to take it to trial. Trial was set for XX/XX/XXXX. In XX/XX/XXXX, I received a letter from XXXX XXXX stating that upon investigation they discovered that the alleged account was not mine, and was closing the account that was under my name. A little before, PRA, XXXX  dismissed the case and also sent a letter basically stating the same as XXXX XXXX. A request to issue a freeze was granted by the three major credit bureaus. XXXX XXXX  and PRA, XXXX  also stated they were going to notify the credit bureaus as well. The negative report was wiped off my credit report, but the damage is still present. From XX/XX/XXXX to XX/XX/XXXX, my credit report consisted of negative account activity because of these frivolous claims. My identity and other personal information was not only stolen and misused, but XXXX XXXX  and PRA, XXXX  did not do their due diligence to investigate when I constantly disputed this alleged debt. So, my personal information was sold and used freely to produce an alleged debt that never existed. Furthermore, I was denied employment amongst other luxuries that deprived me of my God given right to enjoy life because of the negative reports that was place on my credit report due to this false claim of an alleged debt. When purchasing my first car, in XX/XX/XXXX, I had to settle for something around a 24.97 % interest rate from the only auto loan provider that would give me a chance. There are a slew of violations that I've documented that both companies should be held accountable for. I don't think it's humane for an entity or corporation to deprive a living man/woman of his life, liberty, and pursuit of happiness because of their presumptions and/or dishonorable intent, and walk away freely after doing such damage.