23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

This is aimed towards the BB & T Branch at XXXX XXXX XXXX XXXX Phone number XXXX. On XX/XX/2017 there were several fraudulent checks deposited into my bank account ( that did n't even have my correct signature on them ) in the amounts of {$8800.00}, {$360.00}, {$200.00}, and {$250.00} I immediately went to my bank the next day they were opened ( Monday ) and attempted to file a claim. I was told that i could n't file a claim until the checks posted in my account ... .I said okay and immediately after i left the bank i went to file a police report so they could get the video footage at the ATM that the deposits were made. After a few days without hearing anything at all I went into the branch to see if i could file the claim now. I filed the claim ( on all of the deposits except the {$8800.00} amount since it did n't post in my account yet ) and waited to get results on how long i was going to be able to recieve the original funds in my account before the fraud checks were deposited, which is {$630.00} as of XX/XX/2017 ( and i also have photo proof of that amount ). I also called the Centralized Fraud Claims team multiple times while waiting on a time frame, just to be sent to another department and had to wait another 20 minutes to get somebody on the line. It was very frustrating. Bb & t finally got photo proof of the individual who made the deposits ( and OF COURSE it was not me ) but they still feel that my claim should be denied and on top of that the manager told me i would have to cover the negative balance of - {$640.00} in my account! So i am not only falling behind on bills and basically throwing away {$630.00} but i also have to pay the negative balance on top of that???!!! This is very very unfair and i wish to dispute this today to get my funds back! I have bills that i already have late fees on since my account was closed for over 10 days until they even made the decision to deny my claim.
Product: Checking or savings account

I opened an account with M & T Bank in approximately XXXX or XX/XX/2019. I closed it a couple of months later. Today, XX/XX/XXXX, I received a letter that they had tried to contact me previously about an overdraft of {$29.00} but they had not heard back from me, and that they are closing the account and trying to collect the debt from me. This is a LIE. 

First, I closed the account months ago. 
Second, I never wrote a check on the account, and the balance is zero. There is NO negative balance. 
Third, they have not written to me previously. 

And fourth, they have the spelling and grammar of a first grader, which makes me suspect that the letter is a scam.
Product: Checking or savings account

Navy Federal. Poor notification and doesn't provide period to correct the issue.

If you receive a notification, it never has the name of the transaction only the amount and the notification arrives too late.
Product: Money transfer, virtual currency, or money service

I want to cancel my transaction,, and then come back to my money
Product: Credit card or prepaid card

I received a letter dated XXXX/XXXX/XXXX from Synchrony Bank in XXXX Fl. regarding my Synchrony credit card ending in XXXX. This letter stated that Synchrony was conducting an investigation to verify recent transactions processed on this card. I had received a phone call from Synchrony just prior to the letter advising me of certain charges showing up in other states such as Illinois, California and Texas. During the phone call I made it clear that I had only been in Va. and N.C. in recent months and these were clearly fraudulent charges. I was assured that these charges would be removed and that my existing card would be cancelled and I would receive a new credit card. This was followed by a letter advising me that the disputed amts. and all associated charges would be removed and credited to my acct. Only part of the charges have been removed despite phone calls to complain about this. These charges remain plus monthly late charges and this is being treated as if I am delinquent in my payments. My last contact with the BP fraud unit was XX/XX/XXXX and I talked to a person named XXXX who gave me a file # XXXX. She advised me that these things take time and told me not to worry. Nothing has changed and I just received a statement with further charges added and that this is an attempt to collect a debt. This seems to be never ending and leaves me without faith in Synchrony Bank doing anything to clear this up. I have an unblemished credit record and I am worried that the lack of attention to this matter may leave me with damaged credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX  Account # XXXX, CHILD SUPPORT ENFORCEMENT Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, EQUIFX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C 1681 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I opened an online account with Citi bank on XX/XX/25. Account approved, able to set up. I deposited funds, waited a week for a debit card, set up direct deposit and deposited additional funds. I called to request an update on debit card shipping status. I was then notified by the fraud department my account was placed under review XXXX status on XXXX. I have called customer service over XXXX times, spoke to the fraud department, spoke to XXXX different fraud specialists trying to resolve this issue and keep getting told 24-48 hours. They are holding all of my funds at the moment and will not provide any resolution.
Product: Money transfer, virtual currency, or money service

Sent money to the wrong person on cashapp, it was {$1200.00}. XX/XX/year> at XXXX. i tried to dispute on cashapp because the person isnt in my contacts and they didnt even let the money get approved from the person it just went straight into their account as if we ever had any transactions. They told me to request the money back like the person is actually going to send it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recall opening an account with this creditor and they have failed to validate this account. I have asked for a contract bearing my signature along with a copy of my id and ssc, but nothing has been sent so how are you verifying this account as accurate. I was involved in XXXX data breach in 2017 and I do believe my information was compromised. You have failed to verify this account and proceed with reporting an account that may have been opened due to fraudulent activity. I am requesting that you remove this account one last time before I am forced to take legal action against you under the FCRA. Please remove account XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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.
Product: Payday loan

I received a payday loan of {$400.00} after I agreed to it they sent me documents that stated i would be paying back close to {$2000.00} on a {$400.00} loan
Product: Checking or savings account

My bank closed my account with no notice and stated I wasnt elegible for a refund. When I asked why they said I After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the No other reason or explanation has been given. I called and spent 4 hours on the phone and was not able to receive a reason or assistance obtaining my account access or funds.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a phone carrier opened at XXXX XXXX now in the hands of XXXX XXXX under the account number XXXX Credit account opened at XXXX XXXX under the account number XXXX These accounts has resulted in several fraudulent credit accounts and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent Items.I do not recognize the aforementioned collection account reported. The aforementioned collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned collection and credit account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX federal Trade Commission that the aforementioned consumer credit collection are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted EXPERIAN, I do not agree with there findings how is it legal for them to report bankruptcy accounts on my report, WHEN THERE IS NO BANKRUPTCY. 
I have sent all proof, screen shots, driver license and social copy. 

my prior complaint : I have contacted EXPERIAN numerous times. Experian has 3 bankruptcy accounts listed on my credit report, but I don't have a bankruptcy. Credit cards and credit lines XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy XXXX  XXXX. XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy XXXX XXXXNever late. XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy XXXX XXXX/Never late. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX account im a victim of identity theft..I was XXXX  the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from XXXX and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was XXXX XXXXthank you XXXX bless
Product: Mortgage

Dear Sirs and Madam I have made several complaints regarding Arvest Bank1 ) Case # XXXX ) Case # XXXXWich they where dismissed with LIES stating that did not have Authorization forms. At that time I called you CFPB and you asked me to repeat the process and start again. At that time I filed another XXXX complaints1 ) XXXXStating the same thing as the first XXXX as listed above. Then filed the second one2 ) XXXX wich at that time I proved to CFPB in reference the Authorization forms and how many my attorney XXXX XXXX had send them wich I foward you all XXXX of them. 
It leaves no choice but to prove to you once again that this company cares nothing about governing them self proper ethics and continue to break Federal laws. Due to financial issues I had to file Bankruptcy wich was filed on XXXX XXXX, 2015. Once again Arvest Bank and their hired guns violated my Federal Laws by contacting me by hiring XXXX XXXX XXXX wich at that time they contacted XXXX XXXX my attorney handling my case # XXXX XX/XX/2015 please see attached email. Then on XX/XX/2015 they send a private adjuster XXXX XXXX from XXXX XXXX company to question me at XXXX XXXX office at this time WITH OUT AUTHORIZATION FORMS. XXXX XXXX after questioned me like I was the one doing wrong then continued to follow me home and entering my home and taking pictures of property area interior. Under Federal Bankrupcy laws that was unlawful for them to do I found out they could n't do what they did so I contacted them and confronted them with it. They try to cover there tracks and go behind my back and got an authorization form from XXXX XXXX wich was dated XX/XX/2015 after being question by XXXX XXXX. This company comes to show that do not care about the Federal laws like they are above them. I do n't know how many times this has to happen before a Federal government agency that could stop this ABUSE. I 'm at your mercy my attorney says I have to do this but until when is enough how long is the Federal Government allow this to happen. To further add to injury in Arvest Bank is refusing to make payments to the General Contractor on money 's paid by insurance claim as stated on Case # XXXX and # XXXX making it harder for me to do a home modification because the General Contractor is putting a lien on the house for nonpayment from Arvest Bank as I was told by my attorney XXXX XXXX. I do n't know what else to do I 'm waiting on your response so I can continue foward legally. I 'm at your mercy.
Product: Debt collection

XX/XX/2017 XXXX XXXX XXXX {$890.00} On the above mention date XXXX XXXX XXXX   responded to a letter that I sent to them and the credit bureau to validated the negative items that they have been reporting on my credit report. I ask the credit bureaus and Midland to provide a copy of my signature, as proof of me agreeing to business with such entity and they have yet to provide me with such information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Midland did not send me a letter to dispute the debt, they just went ahead and add it to my credit report with no means of contacting me, I didn't have knowledge of this until last year, when I started pay close attention to my credit report because I kept being denied for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Credit Card As of XX/XX/XXXX XXXX XXXX has reported to all 3 credit bureaus that no payment has been made since XX/XX/XXXX When Payment ( ACH from a checking account ) were made in XX/XX/XXXX ; as well as on XX/XX/XXXX to the XXXX XXXX Account. 
Called and asked the company to remedy this within 10 business days or a complaint would be filed, the said go ahead and complain. 
Due to this false reporting my credit scores have each dropped in excess of 100 points,  causing great injury to my credit health and my immediate financial future as a consumer.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the inaccurate and misleading information appearing on my credit report regarding the XXXX XXXX XXXX, and XXXX XXXX accounts. I demand an immediate investigation and correction/suppression of the following discrepancies, as they violate XXXX XXXX compliance guidelines : XXXX  ( Account # XXXX ) : 1. Inconsistent High Balance Reporting : High Balance is reported as {$400.00} ( XXXX ) but {$390.00} ( XXXX and TransUnion ). 
2. Date of Last Activity Conflict : " Date of Last Activity '' is inconsistent across bureaus, conflicting with the account closure status.

3. Discrepancy in Comments : Remarks such as " Closed or Paid Account/Zero Balance '' conflict with late payment history. 
XXXX  XXXX ( Account # XXXX ) : 1. Conflicting Late Payment History : Late payment updates are inconsistent with payment cycle data. 
2. Missing Past Due Amount : No " Past Due Amount '' is provided despite late payment history.

3. Comment Conflict : Remarks such as " Account Previously in Dispute - Now Resolved '' are ambiguous and contradictory. 
XXXX XXXX ( Account # XXXX ) : 1. Inaccurate High Balance Reporting : " High Balance '' is reported as {$0.00}, while the account balance is {$12000.00}. 
2. Payment Frequency and Past Due Amount Conflict : Monthly payment of {$250.00} is reported without past due amounts or supporting payment history. 
XXXX. Discrepancy in Account Remarks : Comments like " Consumer Disputes- Reinvestigation in Progress '' do not align with account status.
Product: Other financial service

I had contacted Core Advisory about my mortgage situation about 6 months ago. At the time, I did n't have the money to start the process as I did n't know that this company was not suppose to charge me. I then get a foreclosure sale date 4 months later and I had the funds to begin the process. Core Advisory promised me that they will " stop '' the foreclosure and force the mortgage company to give me a loan modification. I gave them {$1600.00} up front {$1500.00} for the comapny and {$120.00} for the notary that came to my home so that I can sign some papers. I also, gave the notary for Core Advisory XXXX post dated checks for XXXX, XXXX, and XXXX. I did stop the one for XXXX as my suspicions were evident. A case manager was assigned to me in which he drafted some letters for me to send via certified mail to be sent to the mortgage company, HUD, and the the local congressman. I was then assigned a " trustee agent '' in which he told me that he would investigate XXXX. He called me and told me that he was putting me on XXXX way so that I could authorize him to speak to XXXX on my behalf. The sale date was getting close and he told me if it comes to it to file for bankruptcy with a " lady '' he knows that would help me with this. Well, that day before the sale, I was on XXXX way again with him and XXXX and found out that XXXX 's paperwork was n't right and the sale date was until the following month. I tried contacting the trustee and he did answer after 2 days and when I told him that I wanted to file for bankruptcy, he said " no '' it 's better to wait. I tried contacting Core and all I get is a voicemail.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  XXXX has refused to comply with my opt out notice sent over one month ago per my attachment.

They are reporting a charged-off account.

This charge-off is a certificate of indebtedness. According to IRS publications, as well as 15 USC 1681 where the law refers to permissible purposes, they are reporting my income and transaction history which is not permitted.

This account has been requested to be updated to paid as agreed numerous times. 
Once again, I reach out to the CFPB to enforce.
Product: Student loan

Navient is my loan servicer for loans taken out in XX/XX/XXXX-XX/XX/XXXX. They most recently failed to inform me that my loans were being transferred to usa funds. I am currently waiting to start XXXX school in XX/XX/XXXX. Everything was fine and up to date, I had been awarded federal pell grant. And then just a couple weeks ago XX/XX/XXXX to be exact my loans were declared in default. I 'm a single mother who attended a fraudulent for profit art college. I 've just recently filed for borrower defense loan forgiveness. But I 'm aware of the fact that this current administration has n't stood up to their responsibility to help us students that have been defrauded. Dept of education collected millions of dollars from my school for fraud and they are still holding me responsible for the debt. So it 's a win win for them. Ok so I 'm waiting for that to go through. But in the mean time I had my federal funding pulled for XXXX school because Navient was trying to pull the wool over my eyes. I obviously would n't have defaulted knowingly since I have school starting in XX/XX/XXXX. So XX/XX/XXXX default, and Navient reps are saying there is nothing they can do I have to deal only with collections. Collections only wants their money and if I am unable to make outrageously high payments to them before XX/XX/XXXX they will add 25 % of total loan amounts on to existing loans further compounding my problem. They do n't even consider income sensitive payment option. Let me say this again, I 'm a single mother raising XXXX XXXX trying to go to school, fulfill a dream and make our lives better. I work waiting tables but my XXXX program suggests we not work or work very little. So without funding from my pell grant I am finished. I worked for years on prerequisites for XXXX. Never taking out loans or taking federal money. And now navient declared me in default because I was unaware they were transferring loans has sealed my fate. And right before school starts. I do n't know if I even have time to get this worked out. But navient has fraudulent shady practices on top of my for profit college taking advantage of me just adds insult to injury. I 'm at a loss.
Product: Debt collection

I requested verification of debt from another collection company in XXXX. I answered a summons and pled not guilty, as they would not provide me with verification of the debt. My wages have now been garnished by another agency. I was not aware of another judgment attempt. I have contacted them, as of XXXX XXXX, for verification of debt and they told me that they had a legal garnishment and are not sure that they will be able to find the verification. They did tell me that it is XXXX XXXX, but that information did not have any meaning to me. They have not yet supplied any written documentation for verification. I believe that the debt is not only not mine, but also past the statute of limitations.