23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I never received any money from a payday loan company that is claiming we received a loan in XXXX of XXXX and made a payment in XXXX XXXX. An arbitration company called me 6 times in the past week ( XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ) in an attempt to collect this debt. The source of the call was XXXX XXXX XXXX XXXX in XXXX, Arkansas. 

I stated that I suspected the loan was fraudulent, as I had filed for bankruptcy in XXXX XXXX and my bank statements had been subject to intense scrutiny during that time period. The man I spoke to refused to notate that I suspected fraud and instead said I " claimed to have never received a payday loan in my life. '' He told me he would not notate my account because having a bankruptcy would " make this all go away. '' He told me I had 48 hours to contact them with the case number in order to stop debt collection from proceeding. 

I know this because I called back about ten minutes later with the bankruptcy court case # and got a different woman who read aloud to me, verbatim, the notes the man made on the account. She told me that the account had already been closed " for once '' and when I tried to get her to notate the bankruptcy court case " for peace of mind '' she lectured me on the proper way to deal with fraudulent loans and reiterated that " it all went away when the account closed. '' I had to ask several times for her to please put the information on my account before she would do so. 

I have contacted my bank to inform them that they should be on the alert for possible fraudulent transfers, as this company had my former address, where I banked, where I used to work, and my husband 's name. I advised them that I thought the demand was fraudulent both because I never received or sent funds to a payday loan purveyor and because I had a bankruptcy open from XXXX/XXXX/XXXX. 

I have statements from my husband 's account from XXXX XXXX in case you need to verify that we never made a payment. No other bank accounts were active for us at that time.
Product: Credit card or prepaid card

Bank of America ( BoA ) is wrongfully refusing to process a " return protection '' claim for a purchase made with my Premium Rewards credit card. BoA advertised this type of card as having " return protection '' when I opened the account in XXXX and, as of XX/XX/XXXX, continues to do so. In addition, I had no trouble using the " return protection '' benefit on this account in the past and have not received any notices from the bank that it would change in a way that affects the " return protection '' benefit. 

I attempted to file a new " return protection '' claim this week but have been unable to do so. It's not clear why. The four BoA representatives I spoke with each said that I would need to ask its benefit administrator, XXXX XXXX XXXX  ( XXXX ). Yet XXXX says that the card does not have " return protection. '' XXXX also said that it contacted the BoA this week and that BoA confirmed that the card does not have " return protection. '' I have spent hours on calls going in circles with BoA and XXXX and reached a dead end. On these calls, the two entities have provided inconsistent and contradictory information. For example, multiple BoA representatives said my card does, in fact, still have " return protection '' and confirmed that no " change in terms '' notices were sent that would affect this. One of these representatives also promised to email me a copy of my card 's current terms but did not do so. XXXX says that it relies on BoA for information and that any concerns must be addressed by the bank. The bank, meanwhile, says that only XXXX can address benefit issues ( XXXX, a manager at BoA, both refused to help and said the matter couldn't be escalated further ).
Product: Mortgage

I am an XXXX XXXX XXXX veteran and believe that Truist Bank is ignoring me due to my age. On XX/XX/2022 my computer was hacked by an unknown individual or party. They somehow got control of my computer and got access to my account with Truist Bank. They withdrew {$29000.00} and made a payment to my mortgage of {$1400.00} from my checking account. At the same time they made a {$5500.00} cash advance on my credit card. I called the bank immediately and told them that my account was hacked and there was fraud in progress. I was told they did not see anything and did nothing. I then called the Truist Fraud Department and made a report. I went directly to a branch on XXXX XXXX and spoke to a XXXX who then informed me exactly what had transpired with my accounts. She told me that the {$29000.00} from my checking and the {$5500.00} from my credit card was deposited to my savings account then XXXX additional payments of {$29000.00} and {$5400.00} were made to the mortgage from the savings account. The Fraud Department sent me a letter stating that the case was closed and that they were not pursing the incident because no monies were stolen. Any resolution would have to be made by the Mortgage Department. I had sent signed notarized affidavits stating that I did not make these transactions to Truist Bank. I proceeded to call the Mortgage Department explaining what had transpired and wanted those transactions reversed since I did not make them. I have been dealing with the Mortgage Department for over seven months and every time I called they promised to return my call and that they were getting ready to return the money. Meanwhile the Credit Card portion of Truist has been harassing me to pay up with interest and fees. I informed them on what had happened and that as soon as the mortgage department would return the money from Truist Mortgage I would be more than happy to pay the initial {$5500.00} minus any interest or fees. Why the hacker decided to play such a mischievous deed I do not know. Could be that I got my neighbor next door and he disconnected my computer from the internet as soon as he saw someone was scrolling through it and possibly the hacker was not able to complete his true intention. I did take the computer to XXXX XXXX to scrub it from any malicious software. I am including the bank statements from checking, savings, and mortgage. Also included is XXXX XXXX report, and letters I have sent to each department within Truist Bank which shows names, times, and dates of people I spoke to. I believe more than patient with this bank and believe their intentions are less than honorable. Any help you can provide would be greatly appreciated. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my Experian credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Id want to lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

This breach has caused significant distress and concern regarding the security of my personal and financial data.
Product: Credit reporting or other personal consumer reports

Fraudulents Hard Inquires : * XXXX XXXXL : XX/XX/year> * XXXX XXXX XXXX : XX/XX/year> * XXXX XXXX : XX/XX/year>
Product: Mortgage

Flagstar Bank, or imposters of that bank, sent an official-looking email claiming to be the servicer of my loan and they are NOT. They are either imposters trying to get personal information for fraudulent purposes, or they are actually Flagstar Bank and very clearly misrepresenting that they are the servicer of my loan when, in fact, it is their intent to TRANSFER loan servicing to themselves! The person I talked to on the phone specifically claimed to be the servicer of my loan and claimed the loan servicing was transferred to them already. Totally false, as I contacted my home loan issuer and verified Flagstar has NO association with them!
Product: Checking or savings account

In the year of 2020 I was hack or say scam for my account of XXXX XXXX.while in the bank in front of a rep when the scammer was taken down my funds and the rep advised me to just hang up
Product: Credit reporting or other personal consumer reports

Experian is in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ). Experian says they verified the fraudulent XXXX  account This XXXX account is NOT MINE. I DID NOT RECEIVE ANY GOODS OR ANYTHING FROM THIS ACCOUNT. AND I HAVE NO KNOWLEGDE OF THE ACCOUNT. Experian also says that the mailed me information I didn't receive anything that tells me how the fraudulent account was verified or the method or the date is was verified. or anything that show I signed up for this card. or anything also my address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX anything else the Experian Is reporting should be removed. I only get mail at this address. anythings else reporting should be removed
Product: Debt collection

hi JPMCB AUTO ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX  for code of ethics violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach, and as a result, unauthorized accounts and inquiries have been opened or made in my name. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report : Accounts to be blocked and deleted : 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 XXXXXX/XX/XXXX
Product: Mortgage

I sold my home and I was charged {$30000.00} pre payment penalty. I've had the loan since 2018 and only had a 2 year prepayment penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO EXPERIAN XXXX. XXXX XXXX XXXX TEXAS XXXX I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD AND HAVE BEEN VICTMIZMED BY THESE INTERNT CRIMINALS. THEY HAVE STOLEN MY IDENTITY AND HAVE OPENED AN D APPLIED FOR ACCOUNTS I HAVE NO KNOWLEGEDE OF UNTIL NOW. I HAVE DISPUTED WITH EXPERIAN AND AKED THEM TO REMOVE MOVE THESE FRAUDULENT ACCOUNTS AND EVEN CALLED OVER THE PHONE AND SPOKE WITH A REPRSENTATIVE AND STILL HAVE NOT GOTTEN ANY RESPONSE OR RESULTS OF THE DISPUTES.
Product: Prepaid card

We received the Vanillagift card as a XXXX gift with {$100.00} on it. It came with the activation receipt from the XXXX store. We attempted to use it for an online purchase with " insufficient funds '' resulting. Then I attempted to use it in a winery, at XXXX XXXX, at XXXXXXXX XXXX, and at XXXX. All said declined. I have called the customer service number on the back of the card but can not get through to a person. I checked the balance which said it was active with {$100.00}. I sent the company a message on XXXX with no response. I went to the XXXX store and asked about returning it. They called the customer service number and and told me there is nothing they can do because it says it is active with {$100.00}. I set up a pin on the customer call and attempted to use the card both as credit and as debit with the pin, but it was still denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX checking account which I closed on XX/XX/2019. It is showing as account purged, I have no idea why it is showing as perged when i closed it voluntarily and I owed nothing to the bank. The bank needs to correct this
Product: Credit reporting or other personal consumer reports

These accounts are a result of identity theft. I did it authorize these accounts and they should be removed immediately under the law. 

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

I am writing to file a complaint against Equifax. 

I have written letters on XX/XX/2020, XX/XX/2020 and XX/XX/2020 requesting XXXX XXXX XXXX XXXX be deleted from my credit report because it is inaccurate and unverifiable. I provided documents that prove this account is inaccurately reporting on my credit report and this credit bureau keeps responding that it is verified although it continues to report inaccurate information and inconsistent information across all 3 credit bureaus. 

I requested that Equifax provide me with documentation under the FCRA to verify that this information is mine and is correct and the method of verification. Equifax has not provided me with any documents that they have used to verify the accounts and continue to ignore the records that Ive sent. Equifax continuously ignore the FCRA and I need your help with enforcement. I have highlighted and disputed the inaccurate information highlighted on the attached document. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Equifax to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

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

Consumer name : XXXX XXXX, consumer social security XXXX, Consumer Date of birth : XXXX XXXX, Contents of complaint : This CFPB Complaint has been filed to request pursuant to FCRA 605V ( 15 U.S.C 1681c -2 ) that you, the XXXX Reporting Agency , Block information appearing on my consumer Credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal Credit collection service account XXXX XXXX XXXX ( Account number XXXX ) Date opened XX/XX/XXXX Jefferson Capital Syst ( Account number XXXX ) Date opened XX/XX/XXXX XXXX XXXX XXXX ( Account number XXXX ) Date opened XX/XX/XXXX XXXX XXXX ( Account number XXXX ) Date opened XX/XX/XXXX Jefferson Capital LL ( Account number XXXX ) Date opened XX/XX/XXXX XXXX XXXX XXXX ( Account number XXXX ) Date opened XX/XX/XXXX Credit Coll ( Account number XXXX ) Date opened XX/XX/XXXX JEFFCAPSYS ( Account number XXXX ) Date opened XX/XX/XXXX XXXX XXXX ( Account number XXXX ) Date opened XX/XX/XXXX Late payments remove XXXX XXXX  ( Account number XXXX ) Date opened XX/XX/XXXX THESE ARE THE LATE PAYMENT DATES ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) XXXX ) INQUIRIES XXXX Inquiry dateXXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX Credit report. I've attached a list of the hard inquiries and collections as well as a copy of my consumer report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts. collections, and hard inquiries appearing on my consumer XXXX Credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a result of Identity Theft and fraud. I have attached a copy of FTC identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commision that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

This account balance was charge as fraud they changed my log in information had duplicated the credit card and said the email and phone number on the account is not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Please remove this bankruptcy as a third party having my information without my consent is against the law and the bankruptcy court instructed you guys to remove asap!
Product: Mortgage

This is in reference to ClearPath lending XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX CFL # XXXX, NMLS # XXXX. They are using deceptive and persistent targeting tactics against VA mortgage loan homeowners. They are continuing to target me in a campaign that looks as if I have an expiring mortgage account, using my information and my actual lenders name in the letter. I have contacted them and asked to be removed, but they insisted they needed more personal information.
Product: Debt collection

I paid the debt at XXXX with a money order and I also have a receipt from my bank account of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : The following account are unverifiable, inaccurate and reporting them on my credit report is a violation of my rights according to the FCRA. 

1 ) 1 ) XXXX XXXX  Account number XXXX XXXX XXXX XXXX 2 ) ) XXXX XXXX XXXX XXXX 
Account number XXXX 3 ) ) XXXX XXXXXXXX XXXX Account numberXXXX I have tried multiple times to resolve this issue with this credit bureau and they continue to violate my rights. 
I have asked for them to remove the accounts listed above because they can not provide me with any proof bearing my signature making me responsible for these accounts. Therefore, making these accounts unverifiable according to FCRA.
Product: Mortgage

I originally started with this refinancing with this company XXXX months ago. Through this entire process, I have given NewRez multiple opportunities and have very patient with going through this process. From XXXX to XXXX the processor I worked with no longer was responding until I called the original employee I was working with for him to say " he has no idea what is going on ''. I have asked for managers and explanations and never once received them and I have signed documents several times over and over again with the same terms throughout this whole process. After 5 months I began to put more pressure and here we are at closing and they have changed the terms on us after 6 months when I have rate lock agreements that are still valid. The communication, professionalism, and lack of client support are horrible. They are not a reputable company.