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

On XX/XX/XXXX I was the victim of theft and my wallet was stolen, included credit, debit cards and drivers license. No checks were stolen, no ss card was stolen. Police report filed, bank and all creditors notified, cards reported stolen. On XXXX I was notified in writing via US mail that a check fraudulently made out to me was cashed at a bank of america branch using my name and drivers license in another state, despite the signature not matching and the person cashing the check did not have any checking account information. The check was later returned by the issuing bank as it had been reported stolen. Bank of America then debited the amount of the check, {$1900.00} from my account. They sent me a scanned copy of the check with the notice. I reported this as fraudulent on XX/XX/XXXX to a local branch and also spoke with the fraud division by phone regarding this claim. They are denying me access to those funds and telling me they have 60 business days to investigate the matter. This is despite my supplying multiple documentation that this was fraud. I can not get any assistance from BOA customer service or fraud division. I desperately need this money redeposited into my account, and need someone to assist me with BOA. Thank you
Product: Credit reporting

I contacted both the the company in charge of the incorrect collections account as well as Experian to have it reversed. Speaking with Experian they refused to offer any real assistance and when asked to speak with a supervisor I was refused this as well, and told I could recieve a call back but there was no gaurantees.
Product: Checking or savings account

My Capital One 360 checking allowed a unauthorized withdrawal of {$570.00} on XX/XX/XXXX from XXXX. I've never in my life had an account with XXXX. Upon informing Capital One of this I found out they have no clear process to remove this unauthorized and fraudulent transaction. While speaking with employees they aren't able to communicate what actions I have to take to remove this.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and trans union stole my identity according to USC 15 1681 they release 22 inquiries without consumer permission to a obvious third party it has reflected on consumer credit score and personal and private identity information. Three agencies above mentioned has an elaborate mechanism and vital to consumers personal identity identification. Consumer protection of identity has been compromised and sold to third party by all three agencies. Consumer was not included in the profit made by agencies. Agencies above mentioned has no regards of the laws that govern the consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX : # XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 ( i ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an update on my transunion credit report. The update is now showing that " XXXX XXXX XXXX XXXX XXXX '' is reporting I did a bankruptcy and the amount was charged off to a debt I could not pay.This is completely wrong. I NEVER claimed bankruptcy and I am very upset that this wrong information is reporting on my credit report. XXXX XXXX XXXX XXXX had agreed to delete this account off my report not to report a bankruptcy that I NEVER did.
Product: Checking or savings account

This incident came about XX/XX/XXXX when I called to report my card stolen and to see why my account was closed by XXXX XXXX XXXX. They said it was closed due to checking account fraud. I denied these allegations due to this being my main bank account where I would pay all of my bills with this account, and I had a long lasting relationship with this bank since I opened my accounts in XXXX. I opened a dispute and they sent me a copy of a fraudulent check with a signature that clearly looks fraudulent and does not match any of my hand writing or signature which they do have on file from me opening my account in side of the bank from XXXX. I then asked for this matter to be investigated further checking security cameras and pulling XXXX  addresses to verify that this was NOT me making these fraudulent transactions in which it has not been done and this is now reporting on my credit report with XXXX XXXX XXXX hurting my chances of opening a bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, Dept. Of Education Account # XXXX, XXXX XXXX And XXXX account # XXXX, has violated my rights. 

15 USC 1681 602 ( A ) States I have the right to privacy.

15 USC 1681 604 ( A ) Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

case : XXXX XXXX XXXX XXXX vs. XXXX XXXX XXXX USA Funds , first step : mailed out verification letter to XXXX XXXX XXXX XXXX XXXX, XXXX, in which communication was only thru mail.At the same time I received in mail correspondence from USA Funds stating need more proof and a police report. I had XXXX XXXX XXXX only come to court for a pending lawsuit XXXX/XXXX/XXXX, and proof of actual account due to fact they had called me on phone in XXXX and did n't provide proof of signature and actual agreement in mail within 30 days.Case was seen by a judge and lawsuit was agreed to be dropped by me based on them stating they will not report accounts due to not having agreement with me showing a valid signature plus being a collection agency with no agreement by me and their office on XXXX XXXX. The DEFENDANTS ATTORNEY showed me documents with an itemized loan from USA FUNDS XXXX/XXXX/XXXX with XXXX accounts.As of now on my credit report it shows XXXX accounts USA FUNDS opened on XXXX/XXXX/XXXX. I am not in college or have attended.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan originally started with XXXX. They transferred my loan to XXXX I was contacted by XXXX They stated that I was behind on my loan. After having my CPA audit my student loan payments all of my payments were made. After communicating with XXXX it was determined that they had credited my payments to another account. There were several three way calls between XXXX, XXXX my CPA and myself. XXXX forwarded the missing funds to XXXX ( see the attached letter ) dated XX/XX/2019. XXXX has reported to all three Credit bureaus XXXX, XXXX  and XXXX that my student loan is delinquent ( see the attached copy of the three credit reports ). I have spoken with XXXX  at least 6 times regarding this issue and filed a complaint. I've also filed a dispute with XXXX  each time XXXX response is the payments were late so they are correct. 
The payments were late because XXXX posted them wrong. I've made every payment on time and they reported to the credit bureaus that these payments were late is incorrect and need to be removed from my reports. I have communicated this to many times and have spent an enormous amount of time dealing with this issue an issue I did not cause.
Product: Credit card or prepaid card

I was approved for a total rewards visa at XXXX balance in XXXX XXXX I used the card I paid off the balance in full. Today XX/XX/2017 I tried to use my card and it was declined so, I called and they said they closed my account because I had to many entries on my credit. I thought once you have a credit card and use it never been late and was previously approved your fine. But they decided to close the account so, with that I have an inquiry on my credit and no credit card. How is that fair
Product: Credit reporting or other personal consumer reports

As I'm going through my credit report i notice a lot of unauthorize hard and soft inquires on my report which have been affecting my life for the last XXXX  years I've been a victim of identity theft in XXXX  back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  inquires XXXX  Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I invested money in cryptocurrencies via the Circle XXXX app over a period of time starting in XX/XX/XXXX. At some point Circle was purchased by another company, XXXX, and after an initial promise of transition to XXXX, this spring I was informed that Circle was ceasing operations in New York state and I had to sell my investments and cash out my account by XX/XX/XXXX. I sold my cryptocurrency holdings but am unable to withdraw the cash proceeds of {$5200.00} from Circle. Every time I attempt to do so, I receive a message saying " Your recent transaction did not complete because it looks like the street address that you have listed on your account is not a valid residential address for XXXX. Commercial addresses, po box es, and certain temporary addresses will not suffice. '' I am using the same valid and current residential address as before, which I also use with my bank. I have tried linking another bank account and using other addresses with no luck. All my queries to customer support have received no response or the same automatic response with no solution. My money is being held hostage in the app with no explanation and no way to withdraw it before their services are fully shut down.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a Mortgage with Penny Mac and I have been paying escrow they have been pocketing my money and not paying my insurance. I got a call from my insurance agent stating that my insurance was cancelled for non payment.
Product: Checking or savings account

On XX/XX/2024 I received 2 emails from Chime. The first was a welcome email thanking me for creating an account. I did not create an account. The second email indicated that my debit card will be mailed. 

I emailed Chime at XXXX indicating that I did not open the account. They responded and asked me call us at XXXX or reply directly to this message with the following details to help us investigate : Your first and last name... and any ONE of the following : Your date of birth The last 4 digits of your Social Security number The account number listed on the Chime welcome letter you received ( if applicable ) The number of any Chime card you received ( if applicable ) e to provide the following information : I was concerned that this may be a phishing attempt so I have not responded. I have frozen both XXXX and XXXX
Product: Debt collection

NAVY FEDERAL CREDIT UNION IS ATTEMPTING TO COLLECT A DEBT AND ALSO CHARGED OFF ANOTHER ONE OF MY ACCOUNTS WITHOUT WITHDRWING THEIR POA FROM THE IRS
Product: Student loan

I can not get a payment history for my student loans. I need every payment that was ever made from XX/XX/XXXX until today for court per court order. I need this asap. I only get the run around. Sallie mae tells me to call navient. navient tells me to call XXXX XXXX. XXXX XXXX tells me to call navient. Nobody has my account and nobody can give me a payment history, or any information on my student loans. I have a case opened with obudsman, # XXXX. I need this payment history for court ASAP. Please tell me who in the United States Government Accounting Office can give an accounting of my student loan payment history. If you can not provide this information, the Fair Credit Billing/Reporting Act states you have to remove the account from my credit reports.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, and I am reaching out to file a complaint against PayPal Inc. regarding the unlawful suspension of my account and a six-month restriction on my funds access. This action by PayPal has caused me significant financial inconvenience. 

Since the suspension of my account, I have been unable to access {$900.00}, which rightfully belongs to me. I have carefully reviewed all the PayPal terms and conditions and am confident that I have not violated any of them. Despite my numerous attempts to contact PayPal to resolve this issue, I have not been provided with any explanation or support. 

This action by PayPal has severely complicated my financial situation as I was relying on these funds for my daily expenses and commitments. Being denied access to my own money without any lawful justification is unacceptable and demands immediate intervention. 

I urge the Consumer Financial Protection Bureau to intervene in this matter and assist me in regaining access to my account and funds. I also request an investigation into PayPal 's practices to prevent similar incidents with other customers in the future. 
my paypal email adress XXXX XXXX Sincerely, XXXX XXXX
Product: Student loan

The company XXXX XXXX XXXX called and left me a message today XX/XX/XXXX, stating it was in reference to my student loan and that they needed to discuss payment options with new changes that were taking effect. This was a very misleading message I received and my loan payment is due in a week and a half so I thought I needed to call back and make sure my payment was fine. When I called back I spoke to XXXX, he stated that XXXX has a lawsuit pending against them by the government for giving out loans and offering low monthly payments that would never apply to the principle. This made sense to me given the fact that I have had my loans for almost 20 years and I still have come no where close to the principle amount. XXXX then said that his company worked with the department of education and they were given a list of students with current loans to contact them and help them with their debt. He told me that he sent me an email to help look into my account and I needed to give him the number provided in the email. I stupidly gave him the number and asked him why is this email say it is a password change and it is coming from FSA? He told me not to worry that email was from him and he would be able to access my loan information to help me out. He then changed my password. I though it was all really fishy sounding but I still gave him the number it was all confusing and I had never logged into FSA prior so it did not click what was happening at first. He then proceeded to talk about all 6 loans I have the dates amounts ect. He told me that his company would put it on a 10 year payback plan and complete wipe out the rest of the amount when this was completed. I told him that I wanted to research his company and not make any decisions until this coming Tuesday. XX/XX/XXXX. Upon further inspection, I found there website to look very fictional, the content listed on the site made no sense, not to mention it was built with XXXX  photos. XXXX is there web address. I also found them listed on the XXXX  for fraud. I then luckily went to FSA site and changed my password so they could not access my information any longer. I also called my loan provider and let them know the situation which brought me here.
Product: Credit reporting or other personal consumer reports

Theres an unfamiliar account listed on my credit report that I didnt open. I suspect it could be related to identity theft or fraud.
Product: Credit reporting or other personal consumer reports

I filed an ID Theft report with the FTC on Equifax investigate my accounts and remove the inaccurate information. Equifax claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, these accounts are still inaccurate and the credit bureaus are continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders may use any of the three to check a consumer 's credit history. The consumer reporting agency Equifax did not remove all fraudulent and inaccurate accounts that have been furnished on my consumer file and I have never gave my consent to furnished these accounts. No consent is Identity Theft and I have attached evidence that these consumer reporting agencies are in violation. 
I demand you cease and desist pursuant to federal laws 15 U.S.C 1692c ( c ) and you are in violation if you continue to report this inaccurate information. 

15 USC 1681 s-2 ( a ) ( 3 ) clearly states If the completeness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. 

Im am formally disputing this information and according to the law, you may not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. 

15 USC 1681i ( a ) ( 5 ) ( B ) ( i ) Reinvestigations of disputed information : Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Product: Mortgage

We refinanced our home earlier this year, through XXXX XXXX XXXX, they did a great job. We requested a payoff amount from HFC/Beneficial. After almost a week they sent a payoff to XXXX, and that amount was paid to HFC. In following weeks and since we have received payment notices for deferred payments of over XXXX years ago.I contacted HFC reps who admittedly stated that they made a mistake and payoff amount was not correct. We feel that was not our fault, can not afford to and should not be responsible to make an additional payment of more than XXXX dollars, and growing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting on my credit report. According to the information provided by Experian, XXXX and XXXX ], there is a late payment listed on my account for XXXX XXXX XXXX. I would like to emphasize that I have never been late on this account, and I hereby request that you provide proof of this alleged late payment. 

I believe it is essential to address this issue promptly, as an inaccurate late payment notation can have a significant negative impact on my creditworthiness and financial standing. Therefore, I kindly request that you provide documented evidence of the alleged late payment, such as transaction records, to support your reporting. 

If you are unable to produce verifiable proof of the late payment in question, I insist that you take immediate action to delete this erroneous information from my credit report. As a consumer, I have the right to accurate and fair reporting, and any false or misleading information should be rectified in a timely manner. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost professionalism and diligence. I am confident that you will conduct a thorough investigation into my complaint and take the necessary steps to rectify the inaccurate reporting. 


I appreciate your attention to this matter and your prompt resolution of the issue. I look forward to receiving your response within the timeframe stipulated by law. Should you require any further information or have any questions, please do not hesitate to contact me at the phone number or email address provided above
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.