23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I graduated school in   XX/XX/XXXX   I was under pressure to go school back in  XX/XX/XXXX . My mom and dad cosigned my loans. My mom was paying the interest on several of my loans while I was in school but the loans barely decreased. After coming out school she was paying what she could while I found a job. She  XXXX    XX/XX/XXXX   since then I have been unable to pay the amount asked which is over $ 1200/ month. Earlier in  XX/XX/XXXX  Navient threatened to sue and take me to court. Unless I made 3 consecutive payments at  XXXX / month. I was not told my account would automatically be debited. My dad helped me make a few payments which he barely even had. Since then they have been trying to take money out. I called in to complain one month where the automatically took money which was supposed to be used for rent I almost got evicted that month. I do n't make enough and I keep telling them that but they wo n't let me pay no less. My debt to income ratio is insane. They have harassed my phone several time which caused me to switch numbers several times they used to call my mom while she was at work she never included her work phone number on the application so we are unsure how they got it. They also call my dad who currently lives in  XXXX  consistently whenever a payment is missed. When we would make payments they were supposed to spread it across all loans but they would only do it on a couple and then harass us over the rest and we would have to call them and tell them it was supposed to be across all loans and then they would fix it. This happened several times which damaged mine and my fathers credit drastically.   XXXX   XXXX  /Navient has tarnished our credit so bad he is unable to refinance his house and is paying an outrageous amount on interest on his house. I ca n't even rent a new apartment at lower rent because I do n't qualify.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear experian I am writing to formally request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that you block fraudulent information appearing on my consumer credit report. This fraudulent information consists of accounts, hard inquiries, and collections that I did not authorize, and which are the result of identity theft. 

Specifically, the following accounts are fraudulent and were not opened or authorized by me : A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Account Number : XXXX ). 
A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Account XXXX : XXXX ). 
A personal loan account opened at XXXX on XX/XX/XXXX ( Account XXXX : XXXX ). 
A credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2900.00}. 
A credit card account opened at XXXX XXXX Bank XXXX XXXX XX/XX/XXXX. 
In addition to these fraudulent accounts, several hard inquiries and collections have appeared on my consumer credit report, which are also the result of identity theft. 

I have attached a list of the hard inquiries in question, along with a copy of my consumer FICO credit report maintained by you, which reflects the aforementioned fraudulent accounts, inquiries, and collections. I do not recognize any of these accounts, collections, or hard inquiries, and I affirm that none of these transactions were initiated or authorized by me. 

All of the accounts, collections, and inquiries listed above are the result of identity theft and fraud. For your reference, I have also attached a copy of my FTC Identity Theft Report ( Criminal Complaint # [ private case number ] ), which serves as official proof from the U.S. Federal Trade Commission that these items are fraudulent. 

I request that these fraudulent accounts, inquiries, and collections be blocked from my credit report within 4 business days, as required by law. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that the fraudulent items have been removed from my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX sent an account balance that is not over due to Valley Collection Service XXXX LLC. I have never been told that I had to pay this amount of money to the court. I do not even live in the town limits or do I due business in this town of XXXX where the Court is located. The information that I have is account number XXXX Reference Number : XXXX ... .. Does the court have authorized to send my information without my consent ...?
Product: Checking or savings account

On  XXXX / XXXX /  XXXX   I deposited a {$250.00} typed bank check from  XXXX   XXXX    XXXX   into my Bank of America checking account. The funds were immediately electronically withdrawn from  XXXX   XXXX  & deposited into my account. On  XXXX / XXXX /  XXXX  ,  four  days after the transaction was completed, Bank of America seized the {$250.00} from my account. As reviewing my account transactions on  XXXX / XXXX /  XXXX  , I observed that  BOA  had seized my deposit. I immediately began calling BOA customer service centers to resolve the problem. I was told on  3  separate calls to  BOA  customer service centers that the money was seized because the original check could not be verified. BOA claims the bank check could not be read well enough to be verified, yet their online banking center provides me a crystal clear image of the check in question. BOA read the check well enough to withdraw the funds from the correct  XXXX   XXXX  account, yet could n't read it well enough to keep the funds where deposited? I contacted the   XXXX   XXXX    XXXX   customer to discuss the issue & see if their funds were returned. The   XXXX   XXXX   XXXX    customer immediately began investigating the fund withdrawal through a  XXXX   XXXX  telephone representative. The investigation with  XXXX   XXXX  found that t BOA  did not try to return the seized funds to the   XXXX   XXXX   XXXX   or the  XXXX   XXXX  customer. BOA did not make any effort to notify me that they were actively withdrawing money from my account for any reason. My calls to  BOA  resulted in rhetorical circle explanations stating there was nothing I could do whatsoever to resolve the problem. In the manner in wh ich BOA  dismissed this issue, offering no resolve or assistance ; I do not believe this is an isolated incident. I firmly believe that BOA is performing these types of scenarios to people ( especially since the amounts are low enough to not afford a lawyer to take to court ). I truly believe  BOA  is running a scam, in small amounts to avoid massive public push back. They target random people, hoping to prey upon the elderly or individuals who speak  XXXX  as a second language who do n't know how to push back against an enormous corporation. The fact that the seized funds of {$250.00} makes me all the more suspect. Who, in their right mind, would hire an expensive lawyer to fight for {$250.00}? No one. Which means,  BOA  can conveniently make these types of monetary  seizures to  millions of bank customers and probably get away with it. This is an enormous illegal money making scheme that someone needs to investigate. I bet this scheme is netting millions from innocent customers.
Product: Credit reporting or other personal consumer reports

I was shocked to see unfamiliar accounts on my credit report today, and I have no idea how they got there. I check my report regularly, but this time, unexpected discrepancies appeared. I even tried refreshing the page, hoping it was a glitch, but nothing changed. Im deeply concerned and requesting that the documents Ive sent be reviewed thoroughly so I can put this worry behind me for good.
Product: Checking or savings account

I searched for a product on XXXX. Found it on a website XXXX  and saw that the website has been running since XXXX. XX/XX/XXXX, I purchased a product for {$410.00} via XXXX. The XXXX email was XXXX After not receiving any updates on the order and being asked to pay for a {$200.00} product insurance ( I did not pay it ), I came to the conclusion that I was scammed. 
I called Chase banks claims department twice and they told me they could not help me because it was a XXXX payment.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I obtained a loan from DreamSpring in the amount of {$32000.00} with an interest rate of 20.49 %. I was referred to this loan by a former mentor, whom I suspect had some affiliation with DreamSpring, though I can not confirm this. 

For over a year, I made payments on the loan as agreed. However, in XX/XX/XXXX, my mother was diagnosed with XXXX, and I had to leave my job the following year to serve as her XXXX XXXX Due to this unexpected financial hardship, I fell behind on my loan payments. 

In XX/XX/XXXX, the loan was sent to collections and has been handled by XXXX XXXX XXXX. Despite being in collections for over a year, interest has continued to accrue on the balance. In early XXXX, XXXX XXXX XXXX offered a settlement of {$24000.00}, but they would only allow it to be paid in three installments, which was not financially feasible for me. As a result, I was unable to accept the settlement. 

Now, due to the continued accrual of interest, my balance has risen to $ XXXXubstantially more than my original loan amount. I find this excessive and unfair, given that the loan has been in collections for an extended period. I am seeking a resolution that allows for a fair and manageable repayment plan or a reasonable settlement that does not continue to compound interest unfairly. 

I would appreciate the Consumer Financial Protection Bureaus assistance in reviewing this matter and facilitating a fair resolution.
Product: Credit card or prepaid card

In XX/XX/2021 I purchased a new phone from XXXX using my Bank of America credit card and sent in my old phone for credit {$40.00} to be applied to my BOA card. At that time fraud charges were put on my credit card and I was notified by BOA. That was resolved. As a result, my credit card number was changed. When XXXX tried to appy the {$40.00} credit it could not because the number was changed. After contacting XXXX they re-applied the {$40.00} credit to my card. I then received a letter from BOA saying that the {$40.00} credit from XXXX applied to my card on XXXX XXXX was for a Fraud dispute and they were charging me {$40.00} because XXXX had already credited me. This is my complaint. I never claimed the {$40.00} credit was a fraud and BOA incorrectly recorded it as such. I have spent three days and over two hours on hold with BOA trying to get this fixed. Today was my third try and after being put on hold AGAIN to be connected to the " Existing Fraud Claim '' department was disconnected. I understand this is not a large amount, however, BOA customer service department is terrible and if this has happened to me, other consumres may have had similar experiences.
Product: Checking or savings account

On XX/XX/XXXX, my bank account was charged a total of {$2500.00} across XXXX different vendors/companies and a total of 12 different transactions. Three of those companies I am completely unfamiliar with, with the fourth being DraftKings, a platform I have used in the past. I proceeded to immediately contact TD Bank, close my debit card, and filed a dispute to receive back whats rightfully mine.

However, my first claim was denied. I filed a second claim, and was told that the transactions seemed to be authorized by me and that I consented to these transactions or benefitted from them. Never once was I asked for documentation or evidence to help and support my case. Thus, I have requested the documentation and evidence provided by the companies to see what swayed TD Bank in the merchants favor. I found it particularly difficult to finally get the proper documentation sent over. Which I will receive in approximately 2-3 weeks at the time of this writing ( XX/XX/year> ). 

Super frustrated with the lack of transparency, communication, and support from my own bank to aid me through this stressful process.

Once I receive the documentation that the merchants provided to TD Bank, I will collect all evidence I have to make my case and will make this a legal issue if I do not receive my funds.
Product: Credit reporting or other personal consumer reports

I have contacted Experian to express that ATTN : Consumer Affairs RE : Personal Information Amendment To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2023, there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. Within 30 days from receipt of this letter, insured and tracked by USPS, the following information needs to be omitted. Please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file promptly. Omit the following names as my TRUE name can be verified on my supporting identification.
Product: Credit reporting or other personal consumer reports

I have asked transunion credit reporting agency to remove all inquires on my credit report. They said they would remove the inquires but removed 3 items. I have provided the information they requested to remove inquires but they still have not removed them. All I want is the inquires removed off my credit.
Product: Mortgage

To Whom It May Concern : On XX/XX/XXXX, we paid off our home mortgage with Lakeview Loan Services LLC. The amount due was wired through XXXX XXXX XXXX from our XXXX XXXX XXXX XXXX in XXXX Colorado. We never heard anything from Lakeview that the loan was paid in full. We just stopped receiving bills for our mortgage. 
In XX/XX/XXXX, I called the XXXX County Clerk and Recorder Office in XXXX, Colorado and asked if they had received evidence that our loan had been paid. They only had the lean we originated when we purchased the house. 
I then called Lakeview Loan Services on or about XX/XX/XXXX to ask about our loan and if it had been sent to our county or another county by mistake. They assured me that it had been released on XX/XX/XXXX. 
On XX/XX/XXXX, I called XXXX County Clerk and Recorder Office again and after checking again, nothing had been posted. 
I called Lakeview Loan Services again that day and she said it had not been sent, but would be sent that day, XX/XX/XXXX. 
In the first part of XXXX we received the Annual Tax and Interest Statement and a Customer Account Activity Statement. The Customer Account Activity Statement shows the payoff payment, but no XXXX   balance of the loan. 
So, XX/XX/XXXX, I called that XXXX County Clerk and Recorder again. Nothing has been received and posted. 
I called Lakeview Loan Services again and the woman I spoke to said that it should have gone out fifteen ( 15 ) days after it was paid in full. I asked them if they could send a new document, they could not answer or explain anything, the woman was silent, I finally just had had it, I felt like they didnt know what they were doing. 
It has been five months, I made several calls and finally someone gave me the number for the Consumer Financial Protection Bureau. I am hoping you can contact this company and resolve this issue. If my husband were to pass away, I could not sell the house. This is just wrong and Lakeview is doing absolutely nothing to correct the mistake they made. They have made no effort to contact us. 
Thank you for helping us out on this matter. I look forward to hearing from you soon. 
XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Payday loan

Check into cash on XXXX XXXX XXXX Ohio issued a loan to me for an amount of approximately XXXX dollars in XXXX, I made payments. Upon making another payment later in 2013, maybe XXXX payments later, there was a offer of refinancing loans and receiving a new loan for more cash. I asked that this special be explained to me thoroughly before accepting the refinancing of current loan or any extra money upon refinancing. After agreeing to get the loan I was handed approximately $ XXXX on a loan that was originally the $ XXXX, after refinancing. I was not made aware of that, I was fooled into accepting this with the understanding of a much higher amount, then handed {$30.00} approximately with expectations of hundreds more. Although there were emergency reasons for these loans, as a consumer I was lied to and cheated and taken advantage of. I now receive calls that I would be arrested and fake warrants via e mail threats. The original cashiers name was XXXX. This is criminal to XXXX people in debt and attempt to destroy my credit history.
Product: Checking or savings account

Payment was made from our account online on XX/XX/XXXX. Confirmation that transaction was processed on XX/XX/XXXX ( there is a statement in my payment history ). 

The transaction was never fulfilled despite the confirmation. They have no trace on their end of the payment. 

Weve had recurring issues with First Hawaiian Bank and their online services, and our trust in their investments towards proving safe and reliable services in the current technological environment is dangerously low.
Product: Checking or savings account

I had my funds deposited from IL unemployment and Chime has locked my account! I went to pay for my daughters XXXX medication and I couldnt buy it due to them placing a hold on my card and Now she is out of medicine for the night and I hope she doesnt go into XXXX  XXXX  without it. They are now giving me ridiculous wait times to respond to my problem!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX have authorized 37 inquiries to show up on my consumer report without my permission and I tried to report it and they wouldn't help. 
I paid over XXXX to fixed my credit and XXXX make it hard to take any off and according to consumer law anything reporting to my credit without my permission has to come off and they won't follow their own law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with all three Bureaus including Experian, XXXX, and XXXX. I'm a victim of Identity Theft, and was informed by all three bureaus to submit a ID Theft Report from the FTC along with a Police Report to remove the fraudulent accounts from my credit reports. 

I submitted the last FTC ID Theft Report, along with my Police Reports back on XX/XX/2021. I never received any correspondence from the bureaus. I called them approximately 45 days later and to no avail all I got was the run around and they were continuing to process my disputes. From that point I kept waiting to receive some form of correspondence in the mail and still never received any correspondence whatsoever. 

I then decided to try to contact the collection account by the name of XXXX XXXX directly that's reporting on my credit report due to fraud. I spoke with a the Collections Manager by the name of XXXX XXXX XXXX who informed me to send a copy of the Police Report, and she would look to remove the collection account from my credit report. Again, I never heard back from the Collections Manager as it relates to this and the other fraudulent accounts on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. 

As a frequent user of Zelle, I have encountered discrepancies in transactions that I reported promptly. However, both my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering the lost funds was impossible and that tracking these transactions was unfeasible. 

The findings from the CFPB 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 consumer safety. 

I urge Zelle to address these issues by improving its dispute resolution processes, enhancing fraud detection mechanisms, and ensuring greater transparency for its users. Customers deserve a platform that prioritizes their security and takes responsibility for safeguarding their funds. 

Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting

It appears that there are Liabilities on my credit report that do not belong to me. Such as XXXX, XXXX, XXXX, and etc. These are causing a decrease in my overall credit score. These expenses that have turned into collections do not belong to me. There is a huge error in my report. These expenses have been added to my report that belong to an entire different person. This need to be corrected.
Product: Checking or savings account

I was behind on payments for my mortgage and my credit cards. I borrowed some money from friends to help pay my mortgage and once the money was deposited Navy Federal took the money and applied it to my credit card. I called and told them that the money that was deposited in my checking account was to help pay for my mortgage not my credit card and asked them to apply the funds to my mortgage. They refused to and said they have the right to apply any money in my account to the debt of their choice and that I agreed to that when getting a credit card with them. This left me still behind on my mortgage and about {$400.00} of my money going to an inactive credit card that is closed. I would like my money transferred to my mortgage as it was intended to be or refunded back to me. Paying my mortgage and keeping a roof over me and my children 's head is more important than a closed credit card account. I feel navy federal is participating in unfair debt collecting. Even after taking my money and applying it to an account that I told them not to they never even sent me a receipt or payment confirmation or any proof of where my money went or any remaining balance. They just took it.