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

XX/XX/XXXX A fraudulent check for {$5000.00} was cashed by XXXX  XXXX XXXX from our business checking account ending in XXXX with Key Bank. The original check ( number XXXX ) was issued to one of our suppliers ( XXXX XXXX ) on XX/XX/XXXX for {$2000.00}. The person who cashed it electronically for {$5000.00} was XXXX XXXX with contribution written in the memo section. 

XX/XX/XXXX I noticed the transaction on my on line banking and did not recall writing a check for that amount. I spent 3 hrs. with the Key Bank Branch in XXXX and The XXXX XXXX Sheriff, s Dept. getting all of the paperwork in order. At this point, I was told by the branch manager that it should be resolved within 2-3 weeks. 

XX/XX/XXXX Called the XXXX Key Bank branch and they said they had no information. 

XX/XX/XXXX Called the XXXX Key Bank branch ( spoke with XXXX ) She said that she would get back to me ( allegedly in the pipeline ). 

XX/XX/XXXX Spoke with XXXX XXXX XXXX branch ), she said that this had been handed over to the Key Bank Fraud Dept. on XX/XX/XXXX and that it could take up to 90 days to resolve from that date. ( not what I was told on XX/XX/XXXX ). 

XX/XX/XXXX Spoke with XXXX XXXX, XXXX branch manager and she said it should not take that long and she would look into it personally. 

XX/XX/XXXX XXXX said it would be 60 days. 

XX/XX/XXXX XXXX said we are getting close with the fraud money and would keep me posted. 

XX/XX/XXXX Called XXXX, said she would get back to me soon. 

XX/XX/XXXX Called XXXX branch, spoke with XXXX, said XXXX would get back to me. 

XX/XX/XXXX XXXX called, said they were working on it, no real progress. 

XX/XX/XXXX Called XXXX, no response. 

XX/XX/XXXX Called XXXX, no response. 

XX/XX/XXXX Called Key Bank Fraud Dept., XXXX branch. Spoke with XXXX. Said she would get back to me and that we should get the money soon. No return call. 

XX/XX/XXXX Called XXXX Reminded her that it had been 7 months. She said they were working on it and blamed the Key Bank Fraud Dept. and XXXX XXXXXXXX XXXX. 

XX/XX/XXXX Emailed XXXX to remind her that it has been 8 months, no response so that why I am finally taking this route.
Product: Debt collection

I have had many problems with this company claiming I applied for a loan with them and claiming is igned paperwork for a loan and claiming I signed and cashed a check issued by them. They also took extreme measures and hired a lawyer to seize my garnish my paychecks even tho i submitted overwhelming evidence that I never and I repeat I never signed a check with my name and or cashed it out at XXXX XXXXXXXX XXXX. I state this bank because the lawyer states my check was supposedly cashed there. And it certainly was not cashed or signed by me. It is illegal to garnish wages on a loan that has fraud on it and if it continues I'll go more than just this route and counter sue you for defamation of character as well as unlawful wage garnishment and unlawful business pratices.
Product: Credit reporting or other personal consumer reports

HELP!!!!! My personal information has been played with so many times. Either the same person, or many others have access to my personal info. THIS IS ABSOLUTLY CRAZY. I NEED SOMEBODY TO FIX THIS ASAP!!! Im a simple person, living a simple life. I work hard for the little things I have. People taking peoples personal information and hurting peoples lives!! These accounts are not mines and I want the person locked up and then locked up again!. If you didnt call me to verify the accounts when they were being opened up. Then the accounts are not mines because I dont know anything about the accounts below!! 
I am a victim of identity theft, and I did not make these charges. Enclosed is a copy of my Identity Theft Report Case # XXXX supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
I HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

In accordance with the Fair Credit Reporting Act XXXX. The below accounts has violated my right.15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.
Product: Mortgage

My existing mortgage holder XXXX allowed me to do a loan modification, after finishing the three month trial period, they were taken over by another mortgage company PHH. I received a letter telling me not to worry about payments until the modification was done. I called them every two weeks asking what the payment amount was going to be, they told me I would receive a packet from XXXX with the paperwork and auto-pay documents for my credit union, my preferred method of payment and that was how my  payments were previously made.That was in XXXX it is now XXXX and I have still not gotten any answers. They have received four payments, and they are not reflected on my mortgage, they are showing up in my credit report as late, I have called and pointed out they have the payments, they told me they can't apply them until the modification is done. I have been told the modification process takes about two months and during that time no payment is due, they said they would add the two months onto the end of the loan extending it. Four months worth of payments are just sitting there, and I am getting ready to send in this month, not sure why, they are going to report it late, they claim they will straighten this out after the modification is done. After waiting SIX months, I am not sure it will be done!!
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Request for Investigation Under Section 623 of the FCRA Dear Credit Bureau Name, I am writing to formally dispute the inaccurate information reported on my credit file under Section 623 of the Fair Credit Reporting Act ( FCRA ). The accounts listed below do not belong to me and are the result of identity theft. Despite my consistent efforts over the past XXXX years, including submitting all necessary fraud documentation to both the credit bureaus and creditors, these fraudulent accounts remain on my credit report. 
Accounts to be Removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As a victim of identity theft stemming from the Equifax data breach, and further compromised by the Experian data breaches, I am extremely concerned about the continued presence of these fraudulent accounts. Additionally, the information associated with these accounts was stolen from a work laptop, leading to further fraudulent banking activities in my name. None of the details related to these accounts are mine.

Under Section 623 of the FCRA, I am requesting that you conduct a thorough investigation into these accounts, including verifying the original documentation provided by the creditors to confirm the accuracy of the information reported. Given the evidence I have provided and the circumstances surrounding these breaches, I should not be held responsible for these fraudulent accounts.

Please provide written confirmation of your investigation results and the removal of these accounts from my credit report at your earliest convenience. This matter has caused undue stress and negatively impacted my financial well-being, and I appreciate your prompt attention to this serious issue. 
Sincerely, XXXX XXXX
Product: Debt collection

Hi my name is XXXX XXXX I lived at XXXX XXXX in XXXX XXXX  from XXXX owner original debtor this case was sent to XXXX XXXX and we agreed on settlement which include me vacating the rental property and owing XXXX XXXX All legal documents in hall of records to prove I dont owe.
Product: Mortgage

We had a hardship situation between XX/XX/XXXX and XX/XX/XXXX that caused us to file bankruptcy and we could n't make our mortgage payments. I will attach a " Hardship Letter '', explaining details. We have been working with Bayview Loan Servicing to get our mortgage modified or restructured to include the payments we missed. We provided them with hundreds of pages of documents. They say they send them to their underwriting department and then we get a notice saying we did n't provide everything they needed and therefore they ca n't modify our loan. Then we contact them and say we did provide everything they needed and the whole process starts over again. This has been going on for over a year. Recently, they started foreclosure proceedings and we have a Trustee Sale Date of XX/XX/XXXX. Since then I have contacted everyone I possible could to save our home and get Bayview to follow through. I have sent information to the White House, both of my Congressmen, Senators and XXXX Ethics Department ( they are the original mortgage holder ). I have sent everything Bayview has asked for. The most recent communication from them indicates they will have a resolution by XX/XX/XXXX, but they have given us a date like this, over and over and nothing happens. I ca n't sit back an wait for them to take my home. I need help to get them to take action. If they will just include the payments we 've missed in our mortgage, we can make our payments and be fine.
Product: Credit reporting or other personal consumer reports

Experian refuses to report a closed date for the following accounts : XXXX XXXX XXXX XXXX XXXX No close date looks like the accounts were charged off current month. These dirty tactics should be against the law.
Product: Mortgage

Lender and servicer are in violations of the CA HBOR. They acknowledged that they received a complete modification package from us. After a day, they decided to deny us for the loan modification. They never fully reviewed the loan mod package and never suggested and discussed with us the alternative options to prevent foreclosure. They made clear their decision to deny us for the loan mod is final and subject to no further appeal. They never stopped the foreclosure sale date while we are seeking for the approval of the loan modification option. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint regarding inaccurate information in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries from factual data on back to back dates, XX/XX/2020 and XXXX XXXX they werent authorized by me!
Product: Checking or savings account

Back in XXXX and XXXX money was taken out of my account which I never received back and a lot of fraudulent overdraft fees etc etc which I never received or got back but it took a lot of money from me which always kept me in the negative
Product: Credit card or prepaid card

I have a credit card with Comenity Bank. Their website and portal to view accounts and pay on accounts has been down for weeks. They keep calling my cell phone and when I answer the line goes dead. They have also reported late payments to my credit and added late fees even while its not possible to pay online due to technical difficulties.
Product: Debt collection

At the time of the debt someone use my identity to get a credit card. I was in a treatment center at the time of all of this going on. Also can someone show me proof that I made all of these purchases like don't you have to sign off on something can I get proof of that. The addresses you have on file are not my addresses I never stayed at XXXX XXXX XXXX I just talked to the manager today and she confirmed it. Just trying to get this that resolved cuz I'm going to Debt paying you guys and I can't afford it. Can we try to work some out at least or come with a solution?
Product: Debt collection

I HAVE NEVER USED SMART PAY I DID RECEIVE A LETTER EXPLAINING A DATA BREACH AND IM LOOKING INTO MY CREDIT AND I NOTICED XXXX THINGS THAT I DO NOT RECOGNIZE OF MY CREDIT REPORT.
Product: Credit card

I applied for a Revvii Card. I never recieved the card and called to see why? they informed me the card was sent and had been used. the investigation was started and completed and found that i was not Liable with acct # XXXX ending. the letter dated XXXX/XXXX/XXXX a month after, however they wanted to still charged me for a late fee, annual fee of XXXX broke in half {$41.00} a piece that was never used yet after a month of investigation. i had no problem paying the {$41.00} the problem was they also wanted me to pay the late fee of {$70.00}. i explained i never used the new card you sent me with a available balance of {$180.00}. so until i paid these fees the card could not be access because doing the investigation the fees ( 30 days ) and interest was accured. I explained this card should start from the begining by me never using the card, investigation and the new card was never activated. i already paid {$95.00} to start the card. this is terriable and this is not right and i am wanting to do a formal complaint with these credit card practices. can you please assist Best, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX 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

Mechanics Bank XXXX XXXX has been furnishing inaccurate information to my consumer reports for years. I am convinced Mechanics is not going to follow the laws in which they are governed by. I have disputed the account multiple time and requested reinvestigations as it is my right pursuant to 15 USC 1681i. I have emailed called, emailed, and written Mechanics Bank XXXX XXXX about this erroneous claim. When I requested validation of this account, Mechanics sent me an installment contract with an alleged signature and a VIN number that was actually different than the VIN on other paperwork provided by Mechanics. This is alleging there are two different vehicles in one account. How could I be liable for this alleged debt when Mechanics hasn't even thoroughly examined their own documents? I as the consumer and natural person demand that this be removed from my consumer report. This is a bogus claim. Mechanics Bank XXXX XXXX 's reporting of this inaccurate information is damaging to my character. This must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months now I have been trying to get this XXXX account on my Experian credit report to report correctly. However XXXX and/or Experian keeps updating the way it reports ( the Date of Status ) and this has dropped my credit score on Experian from XXXX to XXXX ( almost 100 points ). Please see attached uploads. Please see Experian report dated XX/XX/XXXX with Date of Status on XXXX as XX/XX/XXXX. Please also Experian report dated XX/XX/XXXX with Date of Status on XXXX as XX/XX/XXXX. Further, the Recent Balance on each report is {$11000.00} on XX/XX/XXXX and {$5400.00} on XX/XX/XXXX. This is a charged off account and Experian/XXXX are illegally updating this date ( and balances ) and causing my credit to be damaged, and this is keeping me from qualifying for home mortgage for my family. Please also see all the other attributes to this XXXX account that are reported incorrectly. Basically each time I send a letter asking them to investigate, they update the information incorrectly. Please also see the screen shot I uploaded of my XXXX XXXX credit monitoring report dated XX/XX/XXXX which shows the inconsistent nature of the way this account is reported between each credit bureau.
Product: Credit card or prepaid card

I have no knowledge of a signed contract with this company. Im unaware of doing business with this company. Asking to please provide a signed contract with my signature on it. No a account or itemized statements will be validate. I have contacted this company and they have sent me a statement. I need proof.
Product: Credit card or prepaid card

My card has been compromised THREE times already and I have fraud charges that are affecting till this day. I have called multiple times for the past 2 months to initiate a fraud dispute and nothing is being done at all. I kept being told that they were working on it but since the first fraud charge back in XXXX nothing has been done about it. I couldnt access my disputes online until recently but nothing was done. I have an insane balance of XXXX dollars that isnt because of me and I refuse to pay for fraudulent charges. Ive had multiple cards replacement cards sent to me and have dealt with the same issue. I was a victim of fraudulent charges on multiple accounts from multiple banks and have resolved everything except for CitiBank. 

Ive contacted them on multiple occasions : XX/XX/XXXX ( Twice ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Twice ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Twice ) XX/XX/XXXX ( Twice ) I was told each time that were will be a resolution the next day but nothing was ever done. 

Fraudulent Charges : XX/XX/XXXX {$52.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$54.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$38.00} XX/XX/XXXX {$59.00} XX/XX/XXXX {$28.00} Ive contacted XXXX and they have submitted a dispute about it. CitiBank has not helped out for months while im being forced to pay out my balance. I do not want to ruin my credit and I want this card to be canceled and off my report completely.
Product: Money transfer, virtual currency, or money service

I lost my phone. And there were unauthorized transfers from zelle on my bank accounts from different bank. Those transaction taken place between XX/XX/2023 and XX/XX/2023. They change my bank account. I talked to my bank snd they denied my claim. And told me that these transactions are not unauthorized. I think somehow they have access to phones.
Product: Checking or savings account

It is imperative that my complaint be understood and correct action taken. On XX/XX/19 I made a check deposit of {$950.00} from a tenant from his XXXX account into my account. Per tenant the funds were taken on XX/XX/19 by Citibank however my account was not credited by Citibank claiming there was a " Hold '' on that check til XX/XX/19. There fore on XX/XX/19 when my check # XXXX for {$450.00} came in my balance was more than enough to cover it- {$480.00} ( I've enclosed the transaction activity for those transactions. 

On XX/XX/19 Citibank ret 'd the check # XXXX for {$450.00} and charged me {$34.00} which they have reimbursed me now after I complained. Further there was also a {$500.00} deposit on the same day Citibank re'td my check. This caused a problem with the company I sent check # XXXX to pay a bill. 

My question is if there is a check deposited & placed on Hold waiting it to clear & checks come in while it is on hold should the incoming check be re'td? But especially since the check that was placed on hold cleared & funds were provided to Citibank the very next day it was deposited. In my opinion & based on the past the funds were immediately credited to my account regardless of the length of the hold period. This issue has occurred in the past & I thought it was my fault since then I'm looking into my balance more closely & want Citibank to credit incoming checks as soon as they clear & get the funds available, none of this because they put a hold & wait til that hold period expires.
Product: Checking or savings account

In XXXX, XXXX and XXXX of 2021, I had an account with CashApp and my account was hacked on XXXX separate occasions, resulting in over {$2000.00} being stolen from me. 

When trying to contact customer service for CashApp, I was met with only " bots '' who would give me generic responses via email. There was no human being available to speak to, resulting in me having to reach out to the Local News as well as XXXX I was able to do an interview with the local channel XXXX News and tell them my story. 

CashApp was stealing money from their customers and it was an inside job...
Product: Student loan

on XX/XX/XXXX we were late with a payment I called in made the payment that was late and was told fees would be waived. on XX/XX/XXXX a XXXX dollar fee was charged. and online it showed a XXXX dollar fee. we called in and were assured there was no fee but that we still owed XXXX cents which was weird but for XXXX i wont wast my time. on XX/XX/XXXX the XXXX was paid and again we were assured we were current with the loan. on XX/XX/XXXX. 1 day. before the next due date. we were charged another XXXX dollar fee. I beleive i am being constantly targeted for fees becauae i have had so many in the past
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you so much for having a look into this file. I for a couple of months now have been disputing items on my report with the credit bureaus. They have yet to conclude investigations that proves how they failed to adhere to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the told me to file XXXX FBI report and an FTC is attached to this complaint. Please block this fraudulent accounts from my credit file.