23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Account was hacked and login information including address changed so that thieves could have physical debit card mailed to their address. I was not notified in any way that information had been changed from the bank. I opened new account and transferred money into new account and froze the account that had been hacked. Within one week of new account opened and absolutely no online transactions banking authorized {$10000.00} was transferred from my new account back into the old account that I had frozen. The Bank refuses to or denies any capabilities to find out who where or what made that transfer from the new account in which no online banking was authorized and account was supposedly locked for anyone including myself to do so without personally going into the bank and showing proper ID. I now have around {$11000.00} floating around at bank supposedly frozen that I am being told I have to wait for. The Bank could not even tell me how long I am going to have to wait for it to clear and them be able to refund my money and permanently close all of my accounts with the bank. I am not being forced to employ credit ID fraud company to monitor my accounts in an attempt to protect my ID and information from whomever is attempting to defraud my identity. The Bank is absolutely zero help and no one is reporting to authorities or police. I am personally reporting all the information to the cfpb and FBI. How can a Bank not have the ability to trace where a {$10000.00} transfer originated? The bank employees only used a simple chat room to attempt to answer my questions. No one was trained or had ability to deal with fraud or properly go through account information.
Product: Student loan

This is the second complaint of this kind. Navient reaches out to random associates of mine some of which I haven't spoken to in decades. These individuals are not listed as references and I have zero idea on how they obtained their information. One went as far as to share this message on social media account. They have shared information about my account with these individuals. I requested via email on XX/XX/2021 which was confirmed received that they have been harassing individuals on my social media that are in no way on any of my applications requesting it to stop and I still receive messages that it is continuing as of today XX/XX/2021. I also explained I work at a XXXX explaining why it would be difficult to reach me by phone and it still continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 consumer reporting agency can not furnish a account without my written instructions Other Accounts XXXX # XXXX XXXX XXXX Experian XXXX XXXX And the Inquiries Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Checking or savings account

I cashed a check from my own company. I loaned my business {$3000.00} from another bank to cover payroll. When my bank reached over 10K, I wrote myself a check to cover the the loan and additional money for business expenditures. I went to the bank directly and cashed the check for cash since I know BOA tries to charge and hold monies for everything they can to help incur overdraft fees. When I cashed the check, I immediately saw it come out of my account on the mobile app with over $ 4K to spare. My husband, did not know and thought an employee cashed a check and ordered a " stop payment. '' We were never credited the money since the check was deposited at the bank for cash. 
However, 12 days later the whole account changed. It never showed the check I cashed like it did the same day I cashed it and yet they tried to say money came out that never did because my XXXX and XXXX XXXX never got their ACH debits. BOA lied trying to reap {$5800.00} which they decided to remove 12 days when they saw my account hit a low of approx. {$100.00}. BOA is cold busted on this one since there a no people involved ( hearsay ) but my self ( the debitor ) to my own business. 
Please lets bring thieves that change statements from one day to another to suit their stealing from the client. Young people are app savvy and we can see it all. Please help the small nonprofit businesses helping poor communities to eradicate this greed in humanity.
Product: Checking or savings account

On XX/XX/year> I made a purchase on XXXX for a XXXX XXXX for the amount of {$890.00} to my debit card. The laptop was supposed to be delivered on XX/XX/XXXX however I never received it. XXXX had delivered to an unknown location as shown in pictures attached. The delivery shows the package on wooden steps when my house has XXXX steps. I immediately contacted XXXX but my issue remains unresolved. I contacted Capital One to dispute the transaction since I never received the computer and have since yet to receive a resolution or update on my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan is included in the XXXX XXXX sub prime loan nys class action settlement. My account was closed per the settlement agreement but they still havent cleared my title, still no money sent to me and they as recently as XX/XX/2021 reported this account as a charge off to all 3 credit agencies with an outstanding balance of {$2200.00}. because of this i was denied a mortgage and my credit score is in the toilet. I have been fighting this company since XXXX was charged nothing but interest for years, had car repo several times and then forced to pay {$10.00} a month just to make online payment because if i mailed it they would hold it until after due date then charge me late fees. They owe me thousands of dollars and my title and now they are ruining my credit. When is this company going to get shut down. I helped XXXX do an expose article on them and they are still allowed to ruin lives!
Product: Credit card

I applied for and received a credit card from american express. I have just received my first bill and no where on it is found my account number with the company. This is the first time I have ever experienced this ; in my opinion it should be illegal. No other credit card company I know of does this. I thought I had misplaced the card as I attempted to setup a bank payment for the bill for which the account number is of course required ; it took me some period of time, but I finally found it. I should not have been put to this trouble ; this is security taken a step too far - I should like to see this stopped before it becomes a fashion among the credit card issuers.
Product: Vehicle loan or lease

I purchased my   XXXX   XXXX   XXXX   in    XX/XX/XXXX  with a 66 month auto loan from   XXXX   XXXX   XXXX  . The percentage was 22 % interest. The loan amount was for {$15000.00}. It has been 73 months and I have paid them {$21000.00} so far for this car. They tell me I have a balance of {$14000.00} that they say I still owe them. As a result, when I am done paying for this car I will have paid them more than {$36000.00}. According to the contract, the total number of payments they were to receive after the 66 month term is {$27000.00}. The extra amount they are telling me is due to interest which is charged at $  XXXX /day plus a monthly late fee of {$20.00}. During this loan, I was out of work once for recovery from   XXXX   and again for loss of job. Therefore, I have had to have extensions on my loan. I have been struggling to pay this down at a $  XXXX /month payment fee. I can not get ahead because they are always putting extra fees on my payments and then they call me and harass daily and threaten to repossess my car. I have paid this loan for 73 months now and they are telling me that as of XX/XX/XXXX , my contractual loan with them will be done and they will charge me a balloon payment of over $ 10K! I have offered to settle this debt for a lump sum of {$5000.00} and was told that they would not consider less than $ 11K! This is an impossible debt and it is a predatory lending at its worse!
Product: Debt collection

On XX/XX/XXXX I received notification from XXXX XXXX that my score dropped because I had a late payment to GM Financial. 
I never received my final bill with information on how/where to PAY my bill. 
I called GM Financial XX/XX/XXXX and told them I never received a bill. They said they generated one on XX/XX/XXXXI said, Well no wonder I didnt get itit must have gotten lost in the XXXX mail mess. They said they called me and left messages multiple times, and I told them I NEVER received a phone call. I spoke to a supervisor, who gave me a phone number I didnt recognizelikely an old work phone number. I asked if they had my cell phone numberthey didand I asked why they didnt try to call me there, since I NEVER received a phone call to my personal cell phone, nor any bills. They had no answer to that question except that the phones auto dial. ( Apparently their auto dial system is substandard because it does not dial all phone numbers of record. ) I paid my bill over the phone right that moment, in full, and even {$20.00} in XXXX XXXX fees. I asked them to remove the late payment reporting on my credit report and they said no, they wouldnt, because they had not made an error. I said that they had made no attempts to reach me, and I have a pristine record, they could see Ive paid everything on time, and obviously I had just paid them as soon as I figured out how to reach them. They said no. It was only 34 days late, today, when I paid. They said they report everyone when they are 30 days late.
Product: Credit reporting or other personal consumer reports

There are XXXX companies currently reporting old accounts and inaccurate information on my XXXX and XXXX accounts. I have tried reaching out and they do not provide any information. 

XXXXTek-Collect INC. ( Our Lady of XXXX ) This collector keeps resetting the dates of this account that was opened in 2016 and was already satisfied in full to the original creditor which is Our Lady of XXXX. This account was opened on 2017 and when I reached out to please get a copy of their collections with the date it opened which was 2017 they refused. This account should've been taken out of my report since 2024. as per law code XXXX XXXX they are reporting inaccurate information and this should be removed from my XXXX report. 

XXXXXXXX XXXX XXXX ( XXXX XXXX ) I have reached out to this collections company as they are reporting inaccurate information that this account was opened in XX/XX/XXXX 2024. I have never opened an account with this company and as per law code XXXX XXXX they are reporting inaccurate information and this account should be removed from my experian report. 

XXXX & XXXX ( XXXX ) I have tried to reach out to this company as I have never had an account with XXXX before. I called XXXX and the address they have on file I have never lived in and is inaccurate. As per law code XXXX XXXXXXXX they are reporting inaccurate information and this account should be removed from my XXXX report. 

XXXX This company has reported XXXX CLOSED accounts with a balance and when I reach out to them to receive documentation of when these accounts were opened as I have never used their services they decline. As per law code XXXX XXXXXXXX they are reporting inaccurate information and this account should be removed from my XXXX report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$800.00}
Product: Checking or savings account

On XX/XX/XXXX a fraudulent business account ( ending- XXXX ) was opened under my name at a Chase Branch in XXXX XXXX 

I noticed the fraudulent account under my online profile on XX/XX/XXXX and notified Chase online banking immediately. The representative told me they would close the account at that time. 

On XXXX XXXX i noticed the account was still under my profile and spoke to another representative in the fraud dept that said the account hadn't been closed but they would close it as well as put alerts on all of my accounts On XX/XX/XXXX an electronic withdrawal was made from my personal savings account of XXXX into the fraudulent account that had still never been closed After 1 month, Chase has failed to give my money back or provide me with any information as to what happened
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of a XXXX XXXX XXXX XXXX, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified that I have never had a late payment. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v TransUnion, XXXX v. XXXX ( XXXX ),  and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I notified XXXX XXXX XXXX that despite the two letters that I received from XXXX XXXXXXXX XXXX XXXX Regulatory Compliance Manager that my credit reports would reflect a XXXX balance and issuance of a 1099 C in XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX immediately notified XXXX after my phone call, removed the previous dispute remarks, added a remark that stated the data furnisher is furnishing accurate information and dropped my XXXX score XXXX points in a matter of minutes on XX/XX/XXXX. This is punitive, the XXXX XXXX representative yelled at me and told me I owe XXXX. 
THIS IS THE THIRD TIME I HAVE COMPLAINED TO THE CFPB. This is unethical! Where is the oversight? Please help me, please. It has been one year since my initial complaint to the CFPB about this matter with XXXX XXXX and the letters I received on XX/XX/XXXX and XX/XX/XXXX stated it could take up to 90 days to accurately furnish the XXXX balance information to the CRA 's, however it takes less than 5 minutes after a phone call to XXXX XXXX on XX/XX/XXXX for XXXX XXXX to notify XXXX and delete, change, and add remarks to immediately drop my credit score. I must commend data furnishers who are savvy enough and well equipped to tweak comments without reporting accurate information to drastically drop a consumers credit score. Brilliant! XXXX XXXX is winning the battle, one day in XXXX when this information falls off I will win the XXXX. Unfortunately in the mean time I suffer loss of opportunity and unnecessary undue financial harm. This motorcycle was surrendered with less than XXXX miles from when I purchased it, yet depreciated XXXX in less than one year.
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against Southern Management Systems, a debt collection agency, for their actions in the state of Michigan. According to my investigation using XXXX XXXX XXXX, it has come to my attention that this company lacks the necessary licensing and bonding to engage in debt collection in Michigan. Attached, please find screenshots of the XXXX results supporting this claim. 

Furthermore, there is no existing contract or agreement between Southern Management Systems and myself, and I have not authorized their company to conduct collection activities on my behalf. 

I request a thorough investigation into this matter and assistance in ensuring that Southern Management Systems complies with applicable laws and regulations. I am concerned about potential violations of consumer rights. 

As a remedy for each violation, I am demanding {$1000.00} under 15 USC 1681n. I believe this is an appropriate remedy given the nature of the violations and the potential harm caused. 

Additionally, I want to bring to your attention specific consumer laws that have been violated by Southern Management Systems : 1. Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. 

2. You have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

3. The collection agency is violating your consumer rights by using false, misleading, misrepresentation, and deceptive means. 

I appreciate your prompt attention to this matter. I trust that the CFPB will investigate these violations thoroughly and take appropriate action. 

Thank you for your assistance
Product: Credit reporting or other personal consumer reports

In the beginning of 2024, my XXXX XXXX XXXX was hacked and I encountered what they call them today of XXXX XXXX. There was an alternate XXXX on my very phone with access to my XXXX information and it absolutely ruined my life, my credit and my reputation. I am doing all means necessary to clear my name and abolish these horrendous marks on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX -- The status of this report is incorrect, please change it XXXX XX/XX/XXXX XXXXXXXX XXXX  -- This Information is Incorrect. please remove this inaccuracy from my report XXXX XXXX -- This Information is Incorrect.please remove this inaccuracy from my report XXXX The following personal information is incorrect. 
Please remove it from my credit report XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Mortgage

The home closed  on  XX/XX/XXXX  wi th    XXXX   XXXX  , then  sold to  XXXX . Payments started on   XX/XX/XXXX . All p ayments have been made on time. I have proof of all payments. Between the  two mortgage companies, the paperwork and transfer dates have been crossed up. I have been receiving phone ca lls on, late notices, and now late charges for payments that have already been received. I have tried to resolve this issue several times. As of yet, they have not worked together to clear up this issue.   XXXX   have a transfer date  of  XX/XX/XXXX , the n   XX/XX/XXXX  has a transfer date of  XX/XX/XXXX . I sent t  he   XX/XX/XXXX payment to   XXXX   XXXX    and  they refuse to send the payment to  XXXX  because they are saying it would make my account delinquent with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$32000.00}, {$4700.00}, {$5800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report  and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on credit report. Please see attached.
Product: Debt collection

This complaint is in reference to XXXX XXXX Account XXXX XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney. 

The letter was sent to : XXXX XXXX XXXX, XXXXCA XXXX Listed Adress on the record : XXXX XXXX XXXX, XXXXCA XXXX