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

My checking account was hacked through the use of a cloned ATM card issued through Bank of America. Over {$1400.00} unauthorized charges were made on my card. In addition, on XXXX occasions someone deposited a payroll check for {$600.00} in my account which did not have my name anywhere on it. This was XX/XX/XXXX. But on XX/XX/XXXX, the bank reversed the deposit because of fraud. Then the same check was deposited again on XX/XX/XXXX and reversed on XX/XX/XXXX. The person had to be in possession of a cloned card because my card was NOT stolen to my knowledge. But someone made charges and withdrawals which were out of character for my account. Although the charges may have been seemingly legitimate, they were not made or authorized by me. The temporary credits Bank of America made were all reversed on XX/XX/XXXX. That account had already been made deposit only and a new checking account and ATM card was issued. Because it takes 2 months for a change in direct deposit, my social security and XXXX XXXX check are still deposited in the old account until XXXX. With the negative status of my old account, my entire XXXX XXXX check was absorbed. Also my payments for life insurance, car insurance and several utilities were reversed. With only funds from my Social Security check available, I was able to pay my rent of {$910.00} leaving me only {$16.00} for the month. At he age of XXXX, maintaining my life insurance policy is critical to my financial stability. 
Bank of America said I authorized or gave my card to someone to create those charges. But no me is authorized on my account. I have been a good customer for over a decade. Nothing like this has ever occurred before. This financial status is a threat to my health. As a XXXX year XXXX survivor, require medical equipment and medication to deal with damage from XXXX. 
I do not suffer from XXXX or XXXX. I know my card was always in my possession. So a cloned card is the actual culprit. I need my claim reinstated and all funds including my XXXX XXXX check must be returned so I can correct my financial situation. A Bank of America representative said to get a loan. How can I get a loan with a balance of less than {$20.00} and no further deposits until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On or about XX/XX/XXXXXXXX  I had given up willing my XXXX XXXX XXXX the Auto Loan was with XXXX XXXX XXXX. A repo company took said XXXX XXXX XXXX and I thought that was the end of it. In the early months of XXXX  I was advised by a process server I was served with a civil suit from XXXX XXXX XXXX represented by XXXX XXXX XXXX. I was told I owed over {$20000.00} and the case was referred to my local Justice of the Peace Judge XXXX XXXX. I cant remember how much the initial price of the car was but I paid nearly 2 years of it. The sad fact is I couldn't afford the car anymore and I had to decide weather to pay the vehicle or not pay rent for the apartment I was living with my daughter and wife. I choose to pay rent for my family 's safety and well being. I went to about 3 or 4 courts with no avail and continuations. It was the last court on XX/XX/XXXXXXXX  that I went before Judge XXXX XXXX and I was told its your lucky day they wont be coming after you anymore as he handed me some paper work. I noticed there was no representative for XXXX XXXX XXXX in the court like the other few times. The papers handed to me were 3 in total but the last paper read as follows : It is therefore ordered that Plaintiff 's be lawsuit be non-suited without prejudice as to re-filing, that the above-styled and numbered cause is hereby dismissed, in regards to XXXX XXXX XXXX without prejudiced, and that all costs of Court be taxed against the party incurring the same. I do have documents to submit if needed. 


Now I am being contacted via mail by debt collect by the name of Radius Global Solutions in the amount of {$24000.00} for said auto loan. I thought this was done with they are reopening this suit. And I am exhausted and I am trying to buy my family a home and are tired of living in a cabin that I had to buy without the means of credit. Please help me.
Product: Credit reporting or other personal consumer reports

This information that I show here is to be removed from my report since it is not mine and it affects me. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

on XXXX XXXX XXXX I called rushcard to say my card was lost or stolen they told me the account card was going to be deactivated so i put in dispute and nothing seems to happen on XXXX XXXX and they told me nothing was filed and nothing was on hold the card was still opened and was able to be used so I went online myself and cancaled the card on XXXX the XXXX there was still large charges coming in from facebook on my account and the rush card did nothing to help me when i said to them i was going to call the police and file a complaint agaisnt them they di open a dispute and told me they were going to email me the form to fill out and wait 1 to 3 hours nothing came and then again on the XXXX of XXXX called in and asked agian for the form and nothing was sent XXXX in dispute so what did they do after i was disputing only XXXX charges they went all the way back into my account and filed XXXX charges which in turn will be fraud on my part if i sign the form which still never was sent they love tell you what you want to hear but do nothing to fix it they want your money and collect interest on it while not giving it back to you they refuse to help they are not afraid of the banking laws because they dont fall under it metabank backs them and then metabank say no they use there routing i am at the merecy of rushcard which they dont care about no XXXX but themselves they dont care who steal my money they say i should be more careful not the answer i was looking for so my m, oney is gone and they wont dispute them
Product: Credit reporting or other personal consumer reports

I did not initiated any of these inquiries and is considered as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior CFBP and XXXX mortgage situation complaints from XXXX forward for my previously owned address : XXXXXXXX XXXX XXXX  XXXX, SC XXXX bear on this situation. I have had an ID fraud Equifax information breach and an inaccurate loan for XXXX came back on my report as an active mortgage loan for the above address. This loan is also inaccurately reflecting on Experian. My home at the above address was removed from XXXX XXXX XXXX ( bank dropped the house ) and XXXX attempted and illegal active service VA loan to restore the house. I did not accept or pay on this loan to the house. New loans were sought and could not be acquired for SS # ID fraud going on at the time. XXXX XXXX XXXX sold the property to new ownership and the new owners evicted me from the property in XXXX. See the attached documentation. This loan is not viable and a fraud attempt to regain a mortgage I do not own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 2 accounts on my credit report since XX/XX/2018! These items should NEVER have been reported the way that they have been! After over 2 years of disputing, these needs to be completely corrected and/or removed immediately!
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction and frustration regarding the numerous attempts I have made to correct an error on my open account and have a late closed account removed from my credit report. I believe there has been a misunderstanding, and I kindly request your assistance in resolving this matter promptly.

I noticed that there was an error on my open account with Credit Bureaus. It was reported as delinquent, which is inaccurate since I have consistently made on-time payments. I immediately contacted your customer service department to rectify this issue. However, despite numerous calls and written correspondence, the problem has not been resolved.

Additionally, there is an account marked as " late closed '' on my credit report, which is damaging my credit score. I have no record of this account, and I believe it has been erroneously added to my report. I have also made several attempts to have this account removed, but to no avail.

Resolution Requested : I kindly request that you take the following actions to address these issues : Correct the open account status to accurately reflect my on-time payment history.

Investigate the origin of the late closed account and remove it from my credit report.

Provide me with written confirmation once these issues have been resolved and the changes have been reported to the credit bureaus.

Ensure that no further negative impacts occur on my credit report due to this matter.

I understand that errors can occur, but it is essential that these issues are resolved promptly to avoid any further damage to my creditworthiness. I trust that [ XXXX XXXX ] takes these matters seriously and will work diligently to rectify this situation. 

Please consider this letter as a formal notice of my complaint. I expect a response within [ reasonable time frame, e.g., 30 days ] from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. Please assist me to correct or remove the following accounts : XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information XXXX be inaccurate. I need this removed now. XXXX XXXX Balance Owed : {$130.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately.
Product: Debt collection

On XX/XX/XXXX, I contacted Wells Fargo to request to request my Loan Agreements, Correspondence relating to loan modifications, correspondence relating to denial of loan modifications and foreclosure petition. 
The gentleman who answered phone advised me he has it but is not allowed to give me such information. He advised me my representative will call me back to give me information. I have called XXXX and 2 other employess and left countless number of messages and none will return my phone call. The original was almost taunting me by advising me he has the information but can not give it to me.

From my understanding I am entitled to these documents as they are negatively being used against me and has caused me great financial hardship. Wells Fargo continues to circumvent the law and disenfranchise American Citizens due to their greed and unethical behavior. I am requesting and will forward my case file to Senator XXXX and Senator XXXX review my EEOC case file to encourage Wells Fargo to submit my paperwork. This is very frustrating having to continue and battle with such a large organization that continues to manipulate its customers and the United States Government with its unethical behavior. 

XXXX XXXX XXXX XXXX XXXX. 
Washington DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraudulent information that Experian has on my credit report. This information is being fraudulently reported by XXXX XXXX XXXX and says its from an XXXX XXXX XXXX account that I do not have. Experian says this account is verified and will not provide and verification means or method. The XXXX XXXX has not provided proof that this is mine debt either because it is not mine. I want this erroneous information off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

They said someone applies online and it marked inquire. but I never apply those company. I have only one company applied before but other is never apply before. I got identity theft from someone else now please remove this. I'm trying to keep my credit history better. but I find out there is never seen inquire before so I have to dispute today. 
Please Help me to remove my wrong inquire on my credit history.
Product: Credit card or prepaid card

When I reviweing my statement I found 4 transactions I did not made them.

XX/XX/2018 XXXX *XXXX   XXXX XX/XX/2018 XXXX *XXXX  XXXX   XX/XX/2018 XXXX *XXXX XXXX   XX/XX/2018 XXXX *XXXX XXXX XXXX I filed a claim to Bank of America on XX/XX/2018 by phone at XXXX XXXX They told me that they will remove those transactions from my account They removed it but after about 2 days I found them again in my account And I received a letter from bank of america that they finished the investigation and I have to pay that amount NO one from bank of america called me or asked me what happend I did not made this transactions and I should be not liable for fraud transactions
Product: Credit reporting or other personal consumer reports

These are Fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to get Equifax to update the following accounts. 


XXXX XXXX XXXX XXXX correct balance {$0.00} as reported {$470.00}
Product: Credit card or prepaid card

Opened new XXXX Synchrony Bank MasterCard account on XX/XX/XXXX. Promotional offer : Spend {$500.00}, first 30 days, and receive a statement credit for {$150.00}. Spent {$440.00} on XXXX & {$1000.00} on other purchases. Paid balance in full XX/XX/XXXX. Three telephone calls, FTC complaint ( XXXX ) filed on XX/XX/XXXX, and receipt of Bank disposition letter on XX/XX/XXXX. CS feedback : Promotion offer was to spend {$500.00} on XXXX. This term is not reflective on sites TOS ; appears to be deceptive trade practice. I had met all prerequisites ; the bank should honor the {$150.00} statement credit offer.
Product: Credit reporting

I have been disputing the same fraud accounts on my credit file and experian is giving me a hard time with removing these items. I have spoken with rude people such as XXXX and never had a chance to speak to a supervisor as I requested. I have sent in and faxed in a copy of the most recent police report and yet nothing has been done. Experian is making it seem like this situation is all my fault.
Product: Credit reporting or other personal consumer reports

Hi, This is regarding my XXXX auto lease # XXXX. Back in XX/XX/year> a auto monthly payment didnt go through from my husbands XXXX accounts. While I attempted to replace the pay account XXXX made all sorts of issues and didnt allow me to add an account to pay for severel weeks thus resulting in the late paymnet. They also would not take payment over the phone. So i tried setting up another pay account, First they said that inorder to use my husbands account I needed to be a signor. Then they said that my name must be on the account listed and that a signor is not good enough. They said you can be added as a signor on a business account, then said the same thing that my name would need to be listed on a statment. All the while I cautined that If they dont give me an alternative I will be reported late. XXXX said that there was nothing worry and the account was still in good status. I was notified this week that a late payment is showing and am deeply disturbed by this. I called XXXX but they said there was nothing they can do about it. 

I appreciate your
Product: Debt collection

I received a letter in the mail threatening to sue me, it was titled as a pre-legal notification. In the body of the letter they threatened to turn my account over to a lawer in my state, they are an out of state collector for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.
Product: Vehicle loan or lease

On XX/XX/XXXX, I received notification from the GAP insurance that they paid an additional {$600.00} to Ally Bank in reference to the XXXX XXXX XXXX that was destroyed XX/XX/XXXX and subsequently declared a total loss. After being told over the summer by an Ally Total Loss respresentative, Diamond, that if the account was overpaid, I'd receive a refund check within XXXX business days, I was told on XX/XX/XXXX by Cherry ( Reference : XXXX ) that it would now be 60 days until the check was sent. I explained that I would be moving prior to that time and she stated she would have my check expedited and I would have it within 2 weeks. On XX/XX/XXXX, I called and spoke with XXXX who confirmed the check has not yet been issued, 2 weeks later, and that it takes 30 days normally for the check to be issued. Later in the conversation, XXXX stated that it takes 55 days for the check to be issued. Their stories are inconsistent. They had NO problem taking my money within 48 hours when I was forced to pay off the loan to stop interest from occurring after they failed to properly and timely withdraw the money to pay off the loan from my dealership, but now they can't send me my money back in a timely manner after they have now been overpaid again.
Product: Student loan

I finished my college education in XX/XX/2023. Before my college education was finished, I started to pay my loans off early using EdFinancial, which at the time was their website. I was looking to get some of my loans paid off early to help decrease my total loans to make the interest payments lower ; as well as to get a head start on my loans before due payments started. My total starting loan amount was {$16000.00} I made XXXX payments of {$400.00} each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have receipts of these payments and all the transactions. The {$1200.00} total of payments was shown as processed and received on this website and it decreased my total debt to the amount of {$15000.00}. The website at the time showed this number as my debt, and everything was processed. 

And then .... EdFiancial changed its website to a new processing system, and everything was supposed to be transferred over to this new website. I made my account on this new website and when I logged in, these XXXX {$400.00} payments were not shown up on my account, nor was my total debt showing the new total with these payments processed. It states that I have my original debt amount with no history of payments. 

I reached out to EdFinancial and the customer service gave me no guidance, no answers, and no concrete information. They told me to " wait a few weeks '' and it should come in. It has been over 2 months now and the debt totals have not been updated. 

I called again to ask about this and they gave me the same answer. I demanded that I needed to know when my {$1200.00} would be updated in my new account and they would not give me any information. I asked if I could show my receipts and get refunds for these payments and they advised me to not, as that process could take even longer than the payments to be updated in their new system. Now, it has been communicated that their original website will be closing at the end of the month and my history of payments is nowhere to be found. 

I tried calling today and I was put on a " call back list '' where they stated they would call me 30 minutes later. It has been 5 hours and I have not received a call back from them. 

Overall, my payments are still missing on their new site, and I have gotten no information on any updates, and nothing has gotten done for my issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance to the Fair Credit Act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

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

As provided by the Fair Credit Reporting Act, I am disputing the following inaccurate personal information that does not correspond with my legal documentation ( see attached ). These inaccurate versions of my name and address are creating confusion with my creditors and lenders to whom I have submitted applications because the information contained in your records does not match my personal credit identity. This is a formal request to remove the following inaccurate information from my report. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. According to the fair credit reporting act 12USC 1681. I have the right to privacy. These are clear violations of my federally protected consumer rights. 
Remove all these versions on name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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