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

On XX/XX/XXXX at approximately three in the morning, my phone and debit card were stolen from XXXX XXXX and Bank of America. Numerous acts of fraud took place on both accounts totaling around {$17000.00}. Immediately, I had to go buy a new phone and call my bank to report fraud and have my accounts locked. So far all the fraud and all of the reports were in my favor of the XXXX  XXXX and I got the {$15000.00} back. However, there were two Zelle payments were made on Bank of America. There were two transactions each one was {$1000.00} totaling {$2000.00}. There were credit card charges that were refunded As well. 
However, the {$2000.00} sent on Zelle has still not been returned to me. When I called to check up, they say theres no new information. The claim reversed and took a debit out of my account. The reason they cant claim is, they cant prove that my phone was actually stolen. But they saying that they were sent from a trusted device, and the verification codes were sent to trusted device. It was sent to my device and she knew my phone pin. So as of right now, its been about two months and I still haven't got the money back. Please help me. If you need more information, just let me know. 
I submitted a bunch of documents to Bank of America, basically showing that it was fraud, and I deserve to get the money back, but it hasnt worked
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a police report XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

the problem started on XX/XX/XXXX when i got a text about a loan offer. i was looking for a loan at the time so i text back they end up callingf me.this person got my banking username and password started making claim reversalsd on my account asks me to transfer the money to his XXXX account the amount was {$980.00} and another transaction of {$500.00} also to XXXX account all this done on apruil XXXX and XXXX. the person kept calling my XXXXXXXX  making claims thebn XXXX would call me back and wouyld say that i needed to wire him the money to his XXXX XXXX accounts in order for me to get the loan so i transferred the money from my XXXX account to XXXX XXXX accounts he asked me to send it to i have all the text messages the screenshots all the screenshots of the XXXX XXXX  accoiunts how much i sent. a total of {$2000.00} i sent to bthe XXXX XXXX accounts from my checking account that does not include the total amkount i sent to the XXXX XXXX. i contacted my bank on XX/XX/XXXX to report the fraud. the bank kept making reversals after the XXXX of XXXX i counted a total of around XXXX claimas made iun 2 days. i dont see how the bank didnr realize something wrong never put up a red flag never sent me no notification abo8ut these transactions or claims that were being made and now im being charged fore all this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have four closed accounts on my credit report that the creditor will NOT remove.
Product: Debt collection

XXXX XXXX reported this debt to NCAC XX/XX/XXXX- they keep saying that the debt is verified but it is not. First of all i did not stay in XXXX XXXX XX/XX/XXXX but, they are charging me rent for that month XXXX. They are stating in all I owe them XXXX and I do not. This man at this agency is very rude and he had no intention on finding out the truth. He just wants the money he is a local collector and he is a fraud. Last time I spoke to him he yelled and scream - I started back communicating with the company XX/XX/XXXX. I sent receipts, he stated that they receipts were already applied. That is not true and to be honest I do not think they checked. Its beneficial for him to get the money not to help the consumer. He was willing to settle for half but not willing to do the research.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX : {$400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX NXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My report is showing a XXXX XXXX credit card that was open in XXXX account number XXXX. It has several late payments and was charged off and closed in XXXX. However, I was incarcerated during time thus just making this fraudulent. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Consumer Loan

On XXXX XXXX, I mailed out a check that was post dated for XXXX/XXXX/2015 with a letter attached that requested that the check be cashed on XXXX/XXXX/2015 with instructions that if the person who received the check had any questions they should contact me directly. The check was then cashed and posted on XXXX/XXXX/15. This caused me to overdraft my account and overdraft fees have resulted. I contacted Credit Central and spoke with XXXX to inquire why they cashed my check before the date on the check and why they did not contact me. She acknowledged reading my letter and said that she assumed that I had made a mistake by marking the date on the check and letter to the XXXX instead of the XXXX which is my due date. She then transferred me to her manager XXXX. XXXX explained to me that the check had posted and there was nothing they could do. I advised XXXX that I would accept the mistake if they would refund my overdraft fees. She then reached out to her manager XXXX XXXX who advised her that is is there policy that they do not hold check payments. This policy I understand but I was never made aware of it nor was it outlined in my contract. In any case, they should have called me if they felt like there was an error with my payment. XXXX then reached out to his manager who refused to refund the overdraft fees to me as well. XXXX also claimed they had no record of my letter correspondence even though XXXX had acknowledged it in an earlier phone conversation. He also advised me without provocation that there was no legal recourse I could take even though I did not state anything about taking legal action against them. I advised him several times that I would escalate the matter further unless I received satisfaction. He disregarded this. Unfortunately, I am in a financial situation where I am living paycheck to paycheck and this has caused me an amalgamation of stress and hardship. I refused to do business with this company again and encourage others to refrain as well.
Product: Student loan

I have reached out to Navient many times over the years. They have never given me anything but heartache and hassle. I explained to them that I was barely making enough money to survive and therefore it made it very difficult to make the ridiculously high payments they were DEMANDING each month. They actually agreed with me that I could barely survive off of what I was making financially. So they told me they could " help '' me. They said I qualified for {$0.00} a month payments but that as a result, the interest I would 've been paying would now HAVE TO BE APPLIED TO MY PRINCIPLE BALANCE. I did n't really understand what this meant at the time. All I knew was that they were threatening to take me to court or garnish my wages or worse put me in jail! I was so scared I did n't know what to say or do! I did n't have the money to pay so I had no choice but to agree. Now my education that I initially borrowed UNDER {$100000.00} is going to cost me almost {$300000.00}!? and that 's just SO FAR! I am so sickened and disgusted by this. It makes me afraid. I know if I get a better job they will take the money they want and demand right off the top. At this rate I will never catch up or get ahead in life. This is beyond XXXX. College should n't cost so much, it 's not like I went to XXXX or XXXX! It 's ridiculous! I am surviving off credit cards and that 's only making my debt worse. I ca n't go on like this for long, I do n't know what to do ... Please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8 i owe no debt this company XXXX XXXX XXXX XXXX is violating my consumer rights to privacy pursuant 15 USC 1681b ( 2 ) company has no permission to report anything using my information pursuant to 15 USC 1681c ( a ) 4 - 15 USC 1681e ( b ) accuracy of report- FDCPA ( 807 ) 8 notice of dispute I responded twice to company to provide me with original application no reply! disputed with credit reporting agency Experian they claimed verified date XX/XX/2023 - How is this? Attached below are certified mail receipts and correspondence letters
Product: Mortgage

I did a refinance with Movement Mortgage with an interest rate of % 2.875 and was told my payment would be {$760.00}. This was a 30 year fixed rate. For almost a year everything was fine. I then get a mortgage statement in XXXX that my XXXX payment was going to be {$970.00} per month because my escrow was was short {$1800.00}. I did not have that kind of money. so I asked would bring me back down to {$760.00} and was told I would not get back to that payment because I would still be behind on my escrow. I ended up paying {$2200.00} and a payment of {$800.00} per month. I have refinance 4 or 5 times previously and has never had a {$2200.00} shortfall. I am disabled and I get {$1500.00} per month and I felt that they trying to take my home of 34 years. All the company did was to tell me that I did not have to pay it all at once. they would spread it over 12 months which was a recipe for disaster because that is why I refinanced in the first place. After my husband died in 2016 I had to figure out how to make ends meet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the unverified and inaccurate account from XXXX XXXX with Equifax on XX/XX/2020, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof of my obligation of this alleged debt as requested. 

I believe this account does not belong to me. During the time I was disputing this account, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this account does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged account.
Product: Debt collection

I went to check my credit report and Wakefield and associates was on my credit report. The original creditors is listed as XXXX XXXX XXXX XXXX. The date reported is XX/XX/2023. The amount is {$1200.00} dollars. I never applied or heard of this company. I did not receive a loan on my behalf in my name nor social security number.
Product: Credit reporting or other personal consumer reports

They put inquires on my credit report for the car. I want to take off those inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX  as required on the sites i am to submit a dispute with the proper documentation.see attachments below
Product: Student loan

I initially had my loan with XXXX University and was paying them back under the terms specified. The next thing I know my loan has doubled from what it initially was and bought out by XXXX. I then began paying them as stated the amount has now doubled. I paid them for several years and then my loan was sold again to Navient and I am back to paying the original loan that I started out with XXXX University. I feel that this whole system is a scam and I have been paying these people for years. I feel this on-going practice is robbing me blind. I graduated from XXXX University in 2008. I have been paying on this student load since before that time. I would like someone to investigate this matter. I tried to do a loan forgiveness because I work with XXXX XXXX but was denied because they said the dates did not match what they had on record. I feel that was a total fabrication on Navient 's part. Again, please have someone investigate this matter as soon as possible. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. My previous address was in XXXX XXXX, XXXX Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting that the following accounts be removed / blocked from my credit report, due to the fact that I DO NOT HAVE A CONTRACT with any of the following companies and according to the FCRA law these accounts shall be removed ... XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX
Product: Checking or savings account

On XXXX different times I deposited checks for chase. XXXX I went into their location and deposited a large check. They played games and refused to give me even a penny of it. Reading prewritten statements. After XXXX days of fighting them and them admitting they were violating the expedited funds act, my lawyer and I conferenced and they released the entire amount. 

Now on Friday XX/XX/XXXX I deposited a check from my OWN XXXX account into theirs on their app. I got a notice saying it was being placed on hold. I called on XXXX and was told it was not on hold just pending. Then today XXXX  it says all XXXX is on hold not a penny available. Its a check from myself at XXXX XXXX myself. I called and got transferred and after XXXX mins I got disconnect. I called again and after XXXX hours on hold I got a person. Who read me the same blanket statements about deposit holds. He refused to remove it and blamed XXXX. I told him several times its a check from myself to myself. He blamed XXXX and wouldn't take off the hold. I asked for his supervisor. They never counter when I ask why they are violating the XXXX they just read the same statement. I asked why not even a penny was available and they said its all on hold. I recorded their phone call because they are shady. 

XXXX who told me him not allowed to record the calls but they can which seems like a violation of some law. He also admitted on video that his bank is violating the laws regarding deposits. He said that its their policy and he has to abide by it. He was making a request for someone else to call me back about it. I read off the XXXX reasons they can hold it past XXXX  days to him on video. None of those apply, new account, over drafts, emergency bank matters, reasonable cause, and checks greater the XXXX. 


They are so bad once this check clears I'm closing my account. They are not XXXX  accredited so that doesn't work.
Product: Credit reporting or other personal consumer reports

These hard inquiries don't belong to me and have not been authorized by me : XXXX XXXX XX/XX/year>. 
XXXX XXXX XX/XX/year>. 
XXXX  XXXX XXXX XX/XX/year>. 
XXXX XXXX XX/XX/year>. 
XXXX XXXX XXXX XX/XX/year>. 
XXXX XXXX XXXX XX/XX/year>. 
XXXX XXXX XX/XX/year> XXXX . 
XXXX XXXX XX/XX/year>. 
XXXX XXXX Via DealerXXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent accounts on my credit report, which I reported to DISCOVER BANK and XX/XX/XXXX yet they are not removing these fraudulent accounts. They have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they refused to do this. The following is the fraudulent account : DISCOVER BANK / XXXXXXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD auto finance is showing as an account that not only has a balance but that is still open and that it was included in a bankruptcy, which dropped my score XXXX points. 

I disputed it with XXXX as well as XXXX around XX/XX/XXXX and its not changing. 

I spoke with TD auto on XX/XX/XXXX spoke with XXXX who said the account shows as a total loss in TDs computers thus there should be no more reports and account was reported as closed. 

XXXX claimed the dispute was finished on XX/XX/XXXX and didnt change the information. I contacted TD again on XX/XX/XXXX and spoke with XXXX who said again the account is closed as of XXXX with TD and yet credit bureau is reporting false information with the account still open as of XX/XX/XXXX. 

I have once again disbuted this with XXXX and XXXX and they are NOT FIXING THE INACCURACIES! They are ruining my credit score and doing nothing to fix the wrong information by saying its true when the company ( TD ) clearly shows different and correct information.
Product: Debt collection

This is my second complaint against Credit Collection Bureau in regards to collecting for a XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX Today I received Validation of Debt documents from Credit Collection Bureau and as previously stated in my prior complaint I AM NOT THE RESPONSIBLE PARTY for financial obligation. In the contractual agreement # 4 " I will pay in full any cost of treatment or insurance copayments according to the office 's financial policy. I understand that even if an insurance pre-estimate is given or a procedure has been preapproved, I am responsible for any cost that my insurance does not cover. '' Patient or Guardian name signature is my father signature and my mother is the witness. My father signed the contract and took responsibility due the fact I was an unemployed college student during the time of rendered services. I never signed the contract obligating myself to pay a debt in which I knew I had no INCOME to pay. What my father signed the legal binding contract between him and XXXX XXXX XXXX. This greatly concerns me because based on the Validation of Debt documentation sent to me this violates the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( 8 ), and because of my military career a violation of the Service Member Civil Relief Act ( SCRA ). This misinformation in pursuit for payment of the debt by me and a blemish in my credit file is a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that I am unaware of and would like them to be deleted. 

Experian Business Cred XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute to the company. The company failed to notify the consumer reporting agencies of my dispute, also failed to due so in the time period required by law.
Product: Debt collection

1006.34 Notice for validation. This debt was put on my credit report without notice and I would like them to validate that the debt with a itemized bill to confirm amouts owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I re-investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX : XXXX XXXX XXXX  XXXX Balance : {$39000.00} XXXX XXXX XXXX : {$0.00} TransUnion : XXXX XXXX XXXX : {$0.00}
Product: Debt collection

I recently checked my XXXX  report and there is a collection being reported by SYNCB Banana Rep.I tried reaching out to them but I havent heard anything. This account is not mine. I would like to see validation of when and who opened this account. I never signed any document to allow for this account.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX Account Number : XXXX