23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to dispute unauthorized charges totaling {$4300.00} on my XXXX XXXX XXXXXXXX account between XXXX XXXX XXXX. These transactions occurred while I was XXXX XXXX between XXXX and XXXX, during which time I was a victim of identity theft and SIM swap fraud. I demand an immediate investigation into these fraudulent activities and request a prompt resolution to rectify this matter. Any associated fees or charges related to these fraudulent transactions must be waived without delay. I expect regular updates on the progress of the investigation and swift action to restore the integrity of my account. Failure to address this dispute satisfactorily will result in further legal action. I am the victim of identity theft. I am writing to dispute a fraudulent charge/debit on my account in the amount of {$4300.00} I am a victim of identity theft, and I did not make this charge/debit. I am requesting that the charge be removed/the debit reinstated, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed hard inquiries on my Equifax Credit Report two times and Equifax responded saying they will not investigate and for me to contact each company that pulled my credit directly. It is Equifax responsibility to validate/investigate the information with these companies, but there is a lack of responsibility on there part.
Product: Student loan

I've been working to improve my XXXX XXXX and signed up with XXXX. I've been on an IDR Plan with Navient and in XXXX & XXXX, I was late with my IDR renewals and even though I was able to renew, Navient had already reported late payments to all XXXX credit bureaus. The dates are the following : XX/XX/XXXX - 90 days late XX/XX/XXXX - XXXX days late XX/XX/XXXX - XXXX days late XX/XX/XXXX - XXXX days late XX/XX/XXXX - 90 days late XX/XX/XXXX - XXXX days late XX/XX/XXXX - XXXX days late. 
All other months since XXXX are listed as current as agreed. 
During the above months, I was caregiver for my XX/XX/XXXX year old mother with XXXX who was declining rapidly. She passed away in XXXX, XXXX. I was so discombobulated during that time, that it took major effort to just put XXXX foot in front of the other. I was able to get the IDR renewed and everything has been fine since, but the erroneous late payments are on my reports, even though I wasn't required to pay on my student loans for those months. I was late renewing and not paying on my loans. These lates are having the most significant negative impact on my FICO scores. As a result, when I have attempted to get loans for my practice, I've had to go with companies who work with " high risk '' businesses with low credit scores. 
I did file an account dispute with XXXX  on XX/XX/XXXX and the result was that Navient would not remove the lates. I called Navient on XX/XX/XXXX and was told that XXXX law prohibits them from removing the late payments from my credit reports.
Product: Student loan

The recertification process for an income driven repayment plan was pushed back. This is the exact wording on the Federal government 's website. The deadline to recertify your IDR plan has been extended to XXXX XXXX, XXXX. The earliest you will have to update your income and family size for your IDR plan to meet that deadline is XX/XX/2024. Mohela ended up kicking me out of my plan and raising my payments from {$90.00} to over {$400.00} because they said I did not recertify on time. Since they are tied to federal loans they should be following that same statement. I called Mohela when I saw a payment for over {$400.00} processing from my bank account. Mohela said that the best they can do is put me in forbearance for the next few months and refund my money. I have not received my refund yet and am worried this will affect my payments towards PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed XXXX XXXX home mortgage previously and hasnt been properly reviewed by the bureau I havent opened an account with them on XXXX XXXX as stated in my report please remove or show me where and how this information is verified to be correct. This information was verified by XXXX  also XXXX  to not be mine after review but for some reason you continue to report.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I HAVE TRIED NUMEROUS ATTEMPTS TO REACH OUT TO EQUIFAX BY PHONE AND ON THEIR OFFICIAL WEBSITE TO CORRECT THE INACCURATE ITEMS ON MY CREDIT PROFILE. I HAVE SENT OVER THE REQUESTED DOCUMENTS A FEW TIMES FOR DISPUTED ITEMS AND WAS TOLD THEY NEVER RECEIVED IT! SINCE THEN I HAVE TRIED AT LEAST 5 TIMES TO UPLOAD THE DOCUMENTS ONLINE AND NOT ABLE TO COMPLETE THE PROCESS. ALSO SAME ITEMS THAT I DISPUTED WITH XXXX AND XXXX ARE DELETED BUT EQUIFAX REFUSED TO DELETE. THE FUNISHERS ARE : XXXX AND XXXX XXXX XXXX. BASE ON THE LAST REPLY ON MY RECENT COMPLAINT ON XXXX. THEY HAVE NOT REMOVED THE INACCURATE INFORMATION ON EACH A D EVERY CRA 'S AS PROMISED! I HAVE CALLED 3 TIMES AND WAS TOLD THAT THEY ARE WORKING ON IT! I HAVE ALSO ATTEMPTED TO REACH OUT TO XXXX XXXX XXXX AND NOTHING WAS DONE AS AGREED. I AM BEYOND FRUSTRATED AND DISAPPOINTED ESPECIALLY WITH XXXX! IT IS EFFECTING MY ABILITY TO OBTAIN CREDIT, LOANS, AND ASSISTANCE FOR MY HARDSHIP THAT IM EXPERIENCING AT THE MOMENT. THE MENTAL AND EMOTIONAL STRESS THAT IT HAS CAUSED IS OVERWHELMING AND EFFECTING MY WELL BEING. Please help and advise what to do resolve this matter.
Product: Checking or savings account

On XX/XX/XXXX a large deposit of {$150000.00} was made into my account at Wells Fargo bank. The receipt provided for the transaction stated that {$400.00} of your deposit is included in your available balance. XXXX, XXXX will be available on Friday XX/XX/XXXX. On Saturday, XX/XX/XXXX I verified online that the deposit amount was available. At that time I used electronic payments to pay a number of bills. On Monday, XX/XX/XXXX when I logged on around noon it showed my account had been overdrawn and the deposit was no longer available. I called Wells Fargo bank and they told me that a hold had been placed on the deposit. No one could explain why the Deposit was available for several days and the receipt stated the full amount would be available on XXXX I did not receive an email indicating a hold would be placed until Tuesday, XX/XX/XXXX and as a result of this payments were returned to a number of creditors. This has had an adverse impact on my credit and is resulting in a number of fees. I filed a formal complaint with Wells Fargo and was told it would take 10 business days to respond. I should be able to take actions based on the written information provided to me by Wells Fargo that stated my deposit was available.
Product: Debt collection

I paid my final bill to XXXX, sometime in XX/XX/XXXX. I no longer owe them money, or even have an account with them. At least once a week I receive a phone call from Southwest Credit about the " debt. '' I have informed them many times that it has been paid, and I even called XXXX to straighten it out, and I am still receiving calls and letters to my home.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As XXXX by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I opened a crypto coin trading account on www.eToro.com and have had nothing but problems both funding and withdrawing from my account. 
I have been getting the run around trying for about a month now to withdraw my funds VIA wire transfer. 
They, eToro has me worried about stealing my money now.

I have had multiple e-mails with support and a couple online chats that have not resolved my problem. I have been to my bank at least three time getting requested information concerning the wire transfer for my withdrawal.

My latest e-mail and chat attempts have been ignored. 

I started with {$5000.00} wire deposit XX/XX/2021 and since deposited {$300.00} XX/XX/2021 via debit card. I decided just to close my account XX/XX/2021 and initiate all my remaining withdrawal of {$4600.00}. My money was taken away from the available funds in my account and has since been in limbo. 
I submitted the new routing information eToro support requested and was assured that my funds were to be transferred XX/XX/2021. I did not receive it as of yet XX/XX/2021 and attempts to communicate e-mail and online chat has been ignored or unavailable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time i file a dispute online ... They always come back and said it's valid. I have told the reporting company several accounts were not mine and there are 1-2 that i never applied for and it's on my credit report. So these accounts are never deleted. The accounts listed below are not mine. I had someone trying to use my personal info over the last 2-3 years. I have been working on correcting the problem and need your help with my issues. I have file a disputed XXXX XXXX XXXX  {$3300.00} ( Not mine ) XXXX XXXX XXXX {$280.00} ( Never heard of this company ) XXXX XXXX XXXX XXXX {$570.00} XXXX {$1700.00} ( No acknowledge of this acct. ) XXXX XXXX Solutions {$870.00} ( Never applied, not mine ) XXXX XXXX XXXX {$100.00} ( Not mine acct. ) XXXX XXXX XXXX which i disputed 4 years ago and shouldn't be on my credit report : XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$240.00} I have the following accts are closed on my credit report but they won't remove them. They causing me problems with obtaining new credit, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX. XXXX Now XXXX. XXXX Now
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XXXX, and Transunion - After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. 

This is my second time dispute this account and I have not receive adequate updates on the status of my disputes. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 

The items in the letters attached should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply. 

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Product: Debt collection

I noticed a severe drop in my credit score a few months ago and was able to see a negative mark from Clark County Collections. It shows the account was opened XX/XX/2017 although it was only a few months ago that I saw it on my report. I sent a letter on XX/XX/XXXX - Informing them they did not contact me in writing to verify the debt within five days of initial contact, in this case posting the derogatory remark on my credit, stating that I did not accept the validity of the debt, requesting that the remark be removed, requesting that all further communications be delivered in writing. 

On XX/XX/XXXX I received a letter from CCC stating that I was notified on XX/XX/17 about the debt. I was not. Further they did not include any information Validating the debt, only a print out of what their company claims as a chain of contact attempts. No copy of the original bill, no copies of anything I signed agreeing to be in any way charged or indebted and no copies of original letters. 

The only hospital visit I had offered a no-insurance 87 % discount if paid in full at the time of discharge. I made this payment at that time. I am not sure if this in regards to that hospital stay or something else as this company placed a remark on my credit report without ever substantiating the debt or providing any written contact until after I sent the letter above and stating that I would be making a complaint here
Product: Checking or savings account

On XX/XX/XXXX we opened an account with Chase Bank, XXXX XXXX, CA. A check of {$70000.00} was left with bank as the opening deposit. We were advised it would take a few days for the check to clear. The check was issued to our XXXX, for which we provided a copy of the fictitious business notification paperwork issued by XXXX XXXX. Chase cashed the check on XX/XX/XXXX and has since refused to make deposit monies into our account or return the funds. The bank has insisted on speaking with the issuer multiple times ( which they have ). Funds and business rational ( contract resulting in XXXX XXXX  payment for harvest ) were verfied. Bank over the course of several weeks has employed various stalling tactics from requesting additional information, to stating the funds would be released, to closing the account, reopening the account, talking to my husband and myself numerous times, the issuing agent multiple times, to stating funds would be returned in a form of a check, denying our ability to come in and pick up the check, to as recently as today XX/XX/XXXX stating that a check would be issued in XXXX days time refunding our monies. We are unable to XXXX XXXX XXXX without access to these monies representing XXXX XXXX XXXX worth of work and have incurred administrative time and cost in attempting to rectify this issue with the bank.
Product: Payday loan, title loan, or personal loan

I was purchasing a video game console through XXXX 's XXXX XXXX XX/XX/XXXXprogram through XXXX, which requires you to obtain a line of credit through Citizens. Citizens handles the lines of credit for this program for all retailers offering it. When starting the Citizens application it is stated that the product is held while the application is being completed and processed. I finished my application and was immediately approved. This was all on XX/XX/2021. Today on XX/XX/2021 I get a message from Citizens saying that my order was cancelled because there was no inventory available. There is now a hard inquiry on my credit report, as well as an open credit account under my name that can only be used for this program with the retailer I had gone through. All official sources for this program designate Citizens as the support channel for this program. It was fraudulent for them to let me go through this process of applying for a credit account for a product that was reserved for me, but not actually available, and to now have this stain on my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice I have fraudulent accounts on my report.Please remove these accounts off my report they are hurting my ability to obtain Credit
Product: Checking or savings account

I disputed 2 transactions with Bank of American both from XXXX XXXX XXXX for products not received. At the time I also requested that B of A place a stop payment for any further transactions. From XXXX XXXX XXXX. Both of the initial transactions were placed as follows. 

XX/XX/XXXX in the amount of {$99.00} XX/XX/XXXX in the amount of {$290.00} Both of these transactions were settled and the temporary credit was made permanent. 

On XX/XX/XXXX Bank of America allowed a recurring transaction to go through my account in the amount of {$290.00} from XXXX XXXX XXXX. 

I disputed this transaction on XX/XX/XXXX and the Representative confirmed that the initial agent did not follow my instructions to Revoke Authorization for XXXX XXXX XXXX to process recurring transactions. I was told I would receive a temporary credit by XX/XX/XXXX until the matter was resolved. 

I did not receive the credit and called to follow up on XX/XX/XXXX. Bank Of America has told me that the investigation can last until XX/XX/XXXX and they will not credit my account until the matter is resolved with the merchant. 

Bank of America holds a Fiduciary responsibility to me as an FDIC insured account holder and has not managed my funds as directed or responsibly. 

It is Bank of America 's responsibility to Refund the {$290.00} transaction that posted on XX/XX/XXXX as they failed to Revoke Authorization to process payments from XXXX XXXX XXXX as directed.
Product: Mortgage

My mother passed away from XXXX in XXXX. She had taken out a mortgage in XXXX of that year. The family was not informed until XXXX when The family care act was in force, served with foreclosure papers, when they were legally not supposed to until after the covid foreboding period. We went to court in XXXX of XXXX, the judge dismissed the foreclosure process due to the cares act being in force. I corresponded with the lawyer XXXX XXXX and they gave information so I could contact rocket mortgage company and try to work out something to keep my home. I inherited the home, moved in and is my current place of residence. Rocket mortgage conversed with me, refusing to give me information on my mother 's loan. I transferred the home and property to my name. I have been delivered foreclosure papers again on XX/XX/XXXX. Several injustices have been made against me. Federal law states that an heir can take over the loan without credit check and being of assignment of property rights in my name. Rocket mortgage company has not communicated with me at all since XXXX, regardless of my repeated request and attempts to get this matter resolved. I have also been wrongly treated because I was not informed of the interpretive rule, which is under mortgage company regulations for ethical practices. I have not received any monthly statements from them stating what payment was or willingness to help me with taking care of her mortgage. Rocket mortgage company stopped all communication from the moment they learned of her passing. I don't understand why they completely ignored the laws in place to help me, as an heir, to take over her loan and not communicating with me to help resolve this matter. All the communication I have received is being wrongfully served foreclosure during family cares act while covid was state emergency and now being served with foreclosure on XX/XX/XXXX. How can they do that with the way they have just cut off all communication. They never offered guidance or assistance with helping keep my home. I mean I have repeatedly tried to contact them regarding this and was told I couldn't get any information because of loan was in mother 's name. Now I know different because of the laws I have been reading regarding heir property and rights. Please let me know how we can stop this foreclosure process and get them to work with me on resuming loan in my name and set up a monthly payment schedule, which I have been denied to do previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to purchase a car but there were too many hard inquiries. 

BANK XXXX XXXX, XXXX, XXXX BANK, XXXX CARD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Bank of the West never sent the Title for my Boat, Motor, and Trailer after I paid off my loan. I moved and am still in contact with the people living in my old house. They have not received the documents either. 

I 've contacted Bank of the West numerous times and the only thing I got from them was a UCC filing showing the debt satisfied and the lien released. 

I previously had this same problem ( no Title returned ) on a car that was financed through them by a dealer.
Product: Credit reporting, credit repair services, or other personal consumer reports

A unauthorized student loan is reporting on credit report that was not known nor authorized by me
Product: Credit reporting or other personal consumer reports

I believe that these entries are either inaccurate, outdated, or have been reported in error. As per the Fair Credit Reporting Act ( FCRA ), I request that you investigate these entries and remove them from my credit report if they can not be verified as accurate. 

Upon reviewing my credit report, I noticed the following entries that I believe are incorrect or outdated : To assist in resolving this issue, I have enclosed copies of relevant documents that support my claim, including : XXXX XXXX TransUnion XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX : {$0.00} Reporting twice/ inaccurate information XXXX XXXX XXXX : {$21000.00} XXXX TransUnion XXXX Charged off as bad debt Canceled by credit grantor XXXX XXXX Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX XXXX Charged off account Accounts closed by credit grantor Reporting inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide a written response within 30 days as required by law, confirming the results of your investigation and indicating any changes made to my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Student loan

I have contacted my loan provider over 100 times via email, phone and even a written letter. Each time they switch my loan Providers. On my credit report it shows that I was over 90 days late on payments when that is not true. My loaned have been in forbearance and loan forgiveness program since I XXXX  college. Yet they made this error and refuse to have this late payments XXXX  off my account. This has negatively affected my credit score and in return affecting my ability to acquire a credit card, a car, an apartment and most recently purchasing a home.