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

Beginning on XX/XX/2023, two different individuals without my permission or knowledge opened joint savings accounts with my name on them. They did this over the phone and then proceeded to transfer money from my 2 savings accounts and checking account. These fraudulent transfers totaled approximately {$36000.00}. The identity theft and fraudulent transactions left me with next to nothing in my accounts. These actions came to my attention when a received a Welcome to XXXX checking account promotional packet. On XXXX XXXX, 2023, I immediately made an appointment with my local banker and froze my accounts. Fifth Third initially said it would be resolved in 8-10 business days and then extended that to 30-45 days. The 5-3 fraud department has not been helpful in communication with me, their urgency to complete the investigation of my situation along with any financial alternatives.
Product: Student loan

My federal unsubsidized student loans were taken over by Mohela from XXXX in XX/XX/XXXX. I was previously enrolled in the Revised Pay as You Earn program which would have required me to pay ~ {$60.00} dollars a month under my income prior to that time. Because of the COVID pause on payments, I had been making qualifying payments of XXXX dollars until Mohela took over my loans and continued with these XXXX dollar payments until the COVID payment pause ended in XXXX, XXXX. When Mohela updated their expected payment amount in XX/XX/XXXX, they incorrectly placed me in the Level Payment Plan and gave me an estimated monthly payment of ~ {$2000.00}, despite their responsibility to place me in the SAVE plan ( since I was confirmed previously enrolled in the REPAYE plan ). I spoke to Mohela on XX/XX/XXXX explaining their error, shared proof of my prior enrollment in REPAYE ( through my National Student Loan Data System document from Studentaid.gov ), and they placed my on administrative forbearance and said that they would correct the error. One month later they had not made any corrections and did not notify me of any missing information. On XX/XX/XXXX they notified me that I was still on the Level payment plan with the ~ {$2000.00} payment due in XXXX. I called them again on XX/XX/XXXX and they said that they needed more proof of my prior enrollment in REPAYE, despite that already having been confirmed with them in the past. They recommended I could simply re-certify my income, however this would lead to a higher payment due to my new marital status and higher spousal income ( and re-certifying should not be needed until XX/XX/XXXX at the earliest had Mohela not incorrectly placed me in the level payment plan ). Since payments have resumed, Mohela has allowed my interest to accrue under administrative forbearance which had added to my student loan burden, when I should have been able to make 2-3 payments of ~ {$60.00} to avoid any interest accrual under the SAVE program that I should have been placed in.
Product: Mortgage

On XX/XX/XXXX. Checking account was over drafted because an increased mortgage amount was withdrawn without notice or authorization. This triggered me to look into my mortgage account in which I found a misapplication of funds that should have been applied to principle only [ as monthly payment were always overpaid, the company applied them forward and not toward principal leaving a discrepancy between actual payment and payment due.This was explained to me as I was so far paid " ahead '' that the system inadvertently increased my payment thinking it was a XX/XX/XXXX payment due. Over time, I've also discovered a mismanagement of my escrow account. Efforts to have the account corrected and principle adjusted have not been successful. Company states they are working on a " Restructuring '' to correct account, but have not been able to confirm this restructuring or receive a corrected amortization. It is now XX/XX/XXXX and no resolution to my account/escrow discrepancies have been made.
Product: Debt collection

XXXX XXXX XXXX {$8.00} XXXX5 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

the following companies ran unauthorized credit inquiries on me.. I did not give them the permission to inquire about my credit status..Please delete this misleading information : 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
Product: Credit card

On XX/XX/year>, I contacted Discover Customer Support about being the victim of fraud in XXXX, where I was not allowed to leave a parking garage unless I paid them over XXXX euros for 2 days of parking despite posted signs stating the day rate was XXXX euros. I explained the situation to discover and was told that this is something that I would be able to rectify by opening up a dispute. I stayed on the phone with the rep asking what information I would need in order to properly open the dispute. I gathered all of this information and submitted a dispute. I was notified that Discover ruled against me in my dispute because the merchant responded. The merchants response contained no factual information and all of their provided photos were not accurate representations of what the posted signs were. 

I spoke with a representative today, XX/XX/year>, who notified me that my dispute was denied as it does not fall under Discover 's ability to dispute it. This directly contradicts the information that was given to me on XX/XX/XXXX and yesterday, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

United States Bankruptcy Court for the Southern District of Texas has NO interaction with credit bureaus ( XXXX, EQUIFAX or XXXX ) which includes reporting information regarding bankruptcy cases or verifying the accuracy of information regarding bankruptcy cases held by these credit bureaus. The Federal Bankruptcy Court does not supply information to credit agencies ( XXXX, EQUIFAX or XXXX ) or to third parties like XXXX who is responsible for reporting this bankruptcy. 

The credit reports supplied by XXXX, EQUIFAX AND XXXX reflects a debt being reported by the United States Bankruptcy Court for the Southern District of Texas which is untrue. This bankruptcy was reported by XXXX and needs to be deleted immediately because all debts including bankruptcy can only be verified by the originator or it must be deleted. Attorneys and other case participants use these third-party services to collect and organize case filings in matters in which they are involved. It is this electronic filing which gives third parties like XXXX XXXX access to restricted or sealed case information and documents, typically in violation of court order. 

XXXX never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. XXXX, EQUIFAX and XXXX are presenting this information as if it were supplied and reported by the United States Bankruptcy Court for the Southern District of Texas.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. EQUIFAX, XXXX and XXXX are not maintaining reasonable procedures. 

Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' And I am opting out of their reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that are in my name that aren't mine. Below are the accounts that are reporting that don't belong to me on my credit reports XXXX, XXXX  and XXXX.

1 ) NATIONWIDE RECOVERY SY {$990.00} 2 ) NATIONWIDE RECOVERY SY {$51.00} 3 ) XXXX XXXX XXXX {$2100.00} 4 ) XXXX XXXX XXXX {$460.00} 5 ) XXXX XXXX XXXX  {$610.00} 6 ) XXXX XXXX XXXX  {$310.00} 7 ) XXXX XXXX XXXX  {$440.00} 8 ) XXXX  {$8800.00} 9 ) XXXX XXXX XXXX {$110.00}
Product: Payday loan, title loan, or personal loan

Fell behind on loan due to not being able to work. Branch manager has continuously come to my home, call harassing references and people that I didnt list on loan application
Product: Credit reporting or other personal consumer reports

REQUEST FOR ACCOUNTING! 
U.C.C. 9 210 and other applicable laws. 




Reference accounts # XXXX Dear Bank of America CFO This communication is with reference to the alleged contractual relationship, I have a right to an authenticated record of accounting. I am not requesting a statement of account, for an authenticated record of the accounting. I am hereby disputing the non-performance of fiduciary duty under Federal Reserve Act section 16, and to require that you provide the requested securitization audit information within the time allotted by law, which is 14 calendar-days.

I do wish to thank you for your time in providing this information, which is readily available to you as the custodian of records, and/or the collective entity. Please note that each day beyond the 14th calendar-day of receipt of this communication I will BE assessing a {$33.00} per day penalty for your failure to comply and/or {$1000.00} per month, whichever is greatest. I have the right to this information as indicated by the Uniform Commercial Code : U.C.C. 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OF ACCOUNT.
Product: Vehicle loan or lease

I had a 60 month loan with capital one I have never been delinquent over 30 days, in the last 2 years I have had financial hardship due to employment issues. I have been allowed 2 deferments and I recently requested a deferment, my balance on the car is {$3000.00}. I was denied a deferment with out explanation, I was told that everything was computer generated. 

I was offered an option of splitting my payment in 3 installments, however that will cause my account to be delinquent. I would like to know why I am being denied a deferred payment and if they can make arrangements so that my account is not past due or in arrears.
Product: Debt collection

This debt was disputed on XXXX/XXXX/16 via email. A response was not received for the dispute. 

Moreover, debt collector sent XXXX harassing emails within 2 hours. Debt collector first called my phone XXXX XX/XX/XXXX at XXXX from XXXX leaving a voicemail but sent no other correspondence. 
The debt collector has tried to make the communication sent on XXXX/XXXX/16 looks like it is a law firm and threatens to charge interest, late charges and other charges.
Product: Bank account or service

Greetings, Greetings, XXXX XXXX XXXX XXXX is writing in regard to the XXXX six year long campaign for the modernization of telephone banking, and submission of these XXXX recommendations to XXXX XXXX. XXXX is addressing statements in this letter with the presentation of the following urgent information and report, Safe Call ( see below ) : Over XXXX people were killed in automobile accidents last year, and another XXXX were seriously injured! The automobile is the number one cause of harm and death to young people and students! 

The NHTSA states, " distracted driving is the number one cause of auto accidents and a deadly epidemic! '' XXXX has the cure for this deadly epidemic ... Eyes on the Road/Hands on the Wheel ... the science of road concentration! Once this message is realized by the driving public the next step is distraction prevention. 
There are XXXX mobile phone users and over a XXXX vehicles, so mobile phone use while driving is a worldwide constant and this fact must be reckoned with. 

Banks are the most called business in the world, and also the business most likely to have the dangerous request, " enter your ATM card number. '' This request is extremely hazardous to those on the road as it is encouraging people to text message or read ATM card information while driving! Furthermore this telephone banking practice is rendered obsolete with the realization that ATM cards are no longer effective as modern security as they can be lost, stolen, or even secretly copied, and there are modern and better securities protocols now available such as secret passwords and user names. 

Since several banks such as XXXX XXXX, XXXX XXXX XXXX, XXXX and Capital One have acknowledged the importance of the XXXX recommendations for voice command on their main telephone banking line by using them, XXXX now proposes that these same innovations be applied to all banking divisions, such as credit card, mortgage, brokerage, and loan departments. 

The XXXX Safe Call recommendations improve banking security, safety, proficiency, and customer satisfaction, and cost little to implement. There are no legitimate arguments to oppose these urgent telecommunication advancements and improvements Again : ATM CARDS UNSAFE FOR IDENTIFICATION AND SECURITY! 

ATM card identification requests encourage text messaging, and card reading while driving! 

ATM cards are obsolete and ineffective for security and should be replaced by modern identification security. 

Please read complete urgent XXXX research recommendations at : Safe Call http : //carsafe.org/safe-call.php Help Save Lives and Improve Banking Security! 
XXXX require fair market research compensation for use of this valuable research.
Product: Credit card

I received an alert email from BOA that my credit was charged {$1600.00} on XXXX from XXXX XXXX XXXX  XXXX I was in XXXX at that day. I called BOA immediately to report and dispute this transaction, and meanwhile, I locked my card from the online banking. It was another transaction at {$590.00} from XXXX store tried to make after XXXX minutes. Thank god, I locked my credit card after the first transaction, so the amount at {$590.00} has not gone through. The agent from BOA credit department told me no need to worry. BOA would take care of the fraud transactions and send me the replacement card. However, they charged that dispute amount {$1600.00} again after XXXX weeks on XXXX XXXX. I feel so confused that they knew I was impossible to make the transaction and lock the card at the same time, but they still want me to take responsible on that fraud. It doesnt make sense.
Product: Debt collection

The company is engaging in improper debt collection practices. True Accord Corp has been calling, emailing, and texting me consistently since XX/XX/2022, with misleading captions of being a personal contact, such as " Let 's reconnect '' and stating they have " important information for me ''. 
I have never created or verified an account with this company and do not know what they are contacting me for as I have not given them permission to contact me by any of the methods detailed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my spouse, under her name only, on XX/XX/XXXX is being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my spouse, XXXX XXXX. I did not co-sign this auto lease. I was simply used as a reference by my spouse. It is NOT a joint account. XXXX XXXX XXXX is fraudulently reporting this account under my name. According to my spouse, XXXX XXXX ( XXXX ), the auto lease is incorrectly being reported as a joint account and should be reported as my spouse being the only individual responsible for this account. Please immediately remove it from my credit report/file. Thank you. 

Very Respectfully, XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Was issued a credit card through chase bank in XXXX of 2019. Received aggressive promotional pre approved offer for another credit card. Membership fee was {$95.00}. I then applied for 2nd  card and was approved in XX/XX/2019. By XX/XX/2019, both accounts had been closed due to the additional inquiry I obtained when applying for their card. And also what they described as my being risky due to searching for more credit. Now I have two closed accounts and two inquiries that are negatively impacting me. They gave me the credit then took it away because I applied for a card that they pushed for me to apply for. And then when I asked for a refund of annual fee I was told I would not receive the refund. Chase does not care about their customers. If youre going to flag accounts for too many inquiries you shouldnt be aggressively promoting applying for additional products.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This was everything I could find after I was sent the entered judgment after an offset of my state tax return was taken from me without notice. I never went to court, I never received paperwork for court. Now there is a hearing scheduled and I do not have transportation to attend. When I asked them how they could garnish my tax return without properly serving me paperwork, i was told by them they can not provide me with legal information. Nothing was given to me. Something that was owed to XXXX XXXX XXXX XXXX in XXXX after a voluntary repo, is now listed at over {$14000.00} they have taken nearly {$6000.00} so far from tax returns, and I owed less than {$7000.00} to XXXX XXXX. XXXX XXXX XXXX XXXX recently Did a Hard pull on my credit report on XX/XX/XXXX that was unauthorized causing my credit score to decrease by XXXX pts. 


XXXX TO BE DISMISSED - NO SERVICE XXXX XXXX ORDER TO BE SIGNED/OES XXXX ORDER EXTENDING SUMMONS XXXXXXXX XXXXXXXX SECOND SUMMONS ISSUED XXXXXXXXXXXX XXXX TO BE DISMISSED - NO SERVICE XXXXXXXX XXXX ORDER SUBSTITUTE SERVICE XXXX SERVICE BY SUBSTITUTION XXXXXXXX XXXX TO BE NO PROGRESSED XXXXXXXX XXXX NOTICE OF INTENT TO DISMISS-NO PROGRESS XXXXXXXX XXXX WAITING FOR NO PROGRESS DISMISSALS XXXX XXXX RETURNED XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX JUDGMENT-DEFAULT XXXXXXXX  JUDGMENT OUTSTANDING XXXXXXXX XXXX RETURNED XXXX XXXX XXXX XXXX XXXX  GARNISHMENT RETURNED/MATH ERROR XXXXXXXX XXXX XXXX XXXX XXXXXXXX ISSUED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORDER TO BE SIGNED/CDS XXXX XXXX HEARING XXXX XXXX ADJOURNED-NOT XXXX XXXX DISCOVERY HEARING XXXX XXXX CANCELED XXXXXXXX XXXX XXXX XXXX XXXXXXXX ISSUED XXXX XXXX PROOF OF SERVICE XXXX XXXX XXXX XXXX  DISCLOSURE FILED XXXX ORDER TO BE SIGNED/EXE XXXX REQUEST & XXXX TO SEIZE PROPERTY XXXX XXXX STATE XXXX MI XXXX ISSUED XXXX XXXX PROOF OF SERVICE XXXX XXXX XXXX XXXX XXXX DISCLOSURE FILED XXXX XXXX XXXX XXXX XXXXXXXX ISSUED XXXX XXXX PROOF XXXX SERVICE -XXXX XXXXXXXX XXXX DISCOVERY HEARING XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BEST BUY/CBNA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and BEST BUY/CBNA with no successful resolution. XXXX  and XXXX   were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

Back in XXXX my wife and I were evicted from our apartment, The XXXX XXXX XXXX XXXX XXXX XXXX. They sold the debt shortly after, to XXXX. In XXXX we hired a debt consolidation company to negotiate this debt on our behalf. Debt was settled for {$3800.00}, but the company is claiming they only settled under my wife 's name and that I still owe more money. There is no reason my wife would settle without me. We have been married since XXXX. We were both on the lease. We were both on the contract with the debt consolidation company. We are still married. Now they won't honor the settlement.
Product: Money transfer, virtual currency, or money service

XXXX XXXX has told My creditor Goldman Sachs that they don't see anything unusual. Though, I did not authorize the disputed transactions made on the XXXX XXXX account. 

On XXXX while I was asleep at my home in XXXX, WA, XXXX my XXXX XXXX account has been accessed without my permission or knowledge and multiple transactions were made. XXXX transactions were made ( {$450.00}, {$990.00}, {$980.00}, {$980.00} ) and the fifth transaction was blocked by XXXX XXXX before it was cleared. 
When I woke up in the morning of XX/XX/XXXX, I saw text messages on my phone from XXXX XXXX asking if I made the fifth transaction that was blocked and I immediately called XXXX XXXX and asked about what happened.Meanwhile I logged into the XXXX XXXX app and saw the unauthorized transactions. 
I contacted XXXX XXXX and they told me that the transactions have been cleared and they cant do anything about it at this point. XXXX XXXX referred me to contact my credit issuer which is Goldman Sachs and Goldman Sachs has conducted investigations of their own but for some reason they keep refusing to refund the disputed transactions and state that XXXX is telling them that these transactions are legitimate. 
I need these unauthorized transactions refunded. 

Additionally, I have filed a police report with my local sheriff department and the case number is : XXXX. 

Furthermore, this is the case number with the merchant ( XXXX XXXX ) is : XXXX. 

Dispute case numbers with Goldman Sachs are listed below : XXXX XXXX XXXX XXXX Moreover, I have attached the report I have filed with the FBI. 

Please reach out to me for any additional questions : XXXX.