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

On the XXXX of XX/XX/2022, I received a check for 1 month of work from a man whose house I cleaned. The check was {$960.00} which I thought was a strange amount but disregarded the leary feeling because my boyfriend had also done outside work for him. 

I mobile deposited the check and instantly got {$250.00}. I used that money to pay on my credit cards and get some gas. Navy Federal held the remaining funds for I believe 5 days. I've never had my funds held for more than one day, even over the weekend. Then again, I had never accepted a personal check from anyone other than my grandmother. When I deposited the check in my account on the XXXX my checking was overdrawn by - {$100.00}. XXXX XX/XX/2022 my checking account was at + {$180.00} and my savings account had {$200.00}. 

You can imagine my horror when I logged into my account and had adjustments which brought my checking account to - {$780.00}. I talked to two ladies at Navy Federal. They said all I could do was continue to attempt to contact the guy because his account was now closed. I've called and called, I've gone to the house, and it's now empty. The Navy Federal lady said that my account would be eligible to close by XXXX XX/XX/2022 which was about 6 weeks away by then. Having had this credit union for 6 years now and maintaining a 100 % payment history I was extremely worried about losing my oldest account. I agreed to try and make as many payments on it as possible while being unemployed. She told me she would make note of that so that I wasn't harassed by phone calls from Navy Fed. They didn't call again after that whatsoever. I didn't receive an email or anything. I checked my account on XX/XX/XXXX and no longer had my checking account, instead, I now have a combined savings/checking account. I can not get a new checking until I pay off the debt that they took away. The same day this happened I got a {$600.00} payment from the state of Oregon. I knew that payment was coming and had planned on putting the entire amount towards my overdrawn account. Now I don't even have the option to pay towards a positive balance and I can only send money to another Navy Fed account holder The {$200.00} from savings brought my checking to - {$430.00} but not until Navy Federal closed my account without as much as an email. I wasn't alerted in any way that this was going to happen and just now discovered that I owe closer to {$400.00} than the {$700.00} I had thought. I was under the impression that since I had been making payments my account would still be considered in good standing. I'm disappointed with the lack of communication. Navy Fed has always been very good to me but now I'm second-guessing my membership.
Product: Credit card

I received tampered food from a restaurant. They fired the worker who tampered with my food and the restaurant owner called me and apologized, and told me to get a refund through XXXX. Ive never been able to get a refund. Both denied my request. It was for {$57.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Request for Validation of Debt To Whom It XXXX Concern, I am writing to formally request validation of the debt listed under the account number referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( b ), I am entitled to request and receive the following : 1.A copy of the original purchase agreement, including all terms and conditions.

2.Proof of the chain of ownership of this debt, from the original creditor to your company.

3.The date of the first delinquency that led to the charge-off.

4.A copy of the bond you are required to maintain in my state to operate legally as a debt collector.

Please provide the requested documentation within 30 days of receiving this letter.

Failure to comply may result in legal action, as failure to provide this information is a violation of my rights under the FDCPA.

I request all future correspondence be conducted in writing. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

A credit card with Avant/XXXX XXXX was opened in my name without my consent. The account was opened on XX/XX/2022. I contacted the company on roughly XX/XX/2022 and said that the card was opened fraudulently and despite my complaint, they would not close the account. On XX/XX/2022 I received an email from Avant and they said they did not have sufficient evidence to close my account despite my complaint. On XX/XX/2022 I received another email where Avant said they closed the fraudulent account due to " Inconsistent account information '' but on the same day I received another email where Avant said that they do not have enough evidence to support that this application was submitted falsely. I am telling them this was submitted falsely and they found inconsistent account information. The account still appears on my credit report.
Product: Credit card

Been a capital one customer for a year, opened a second credit card, established auto pay, they did not apply it, I went in and paid it directly on the XXXX, the put a system generated hold until XX/XX/XXXX, my bills attached to the card are declined and now late. Called in to capital one on the XXXX, and I asked them to fix the issue. As soon as they said they would try, they put me on hold and disconnected the call. Now I have no credit, Im out almost XXXX dollars, my bills are late, including my cell phone from XXXX, and customer service never called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times of getting a response to these fraudulent charges on my identity and XXXX  XXXX continues to report these items without MY WRITTEN INSTRUCTION TO OPEN THIS ACCOUNT under Section 611 fcra XXXX  XXXX continues to fail at giving me a METHOD OF VERIFICATION Attached below : POLICE REPORT AND FTC IDENTITY THEFT REPORT. 
FCRA 605B In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, Has Violated My Rights. 
15 U.S.C 1681 Section 602A. States I have the RIGHT to PRIVACY 15 U.S.C 1681 SECTION 604A. also states a consumer reporting agency CAN NOT FURNISH a account WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a dispute with Equifax for XXXX inquiries from Factual data dated XX/XX/XXXX and XX/XX/XXXX. I also disputed and account from XXXX : Account XXXX. Equifax completed their dispute in only XXXX, claiming that the information was verified and that inquiries are factual data. Can Equifax explain their procedure of their dispute process and what reasonable investigation was performed in XXXX hours under law 15 USC 1681e ( b )? I am requesting this information. Also, Equifax has failed to follow laws under 15 USC 1681s-2. Their is no way the FCRA rules and regulations were followed based on their XXXX hour investigation for confirmation # XXXX. I am also requesting what law states that inquiries are factual data as Equifax has advised me. Does this mean that there is no such thing as identity thief? How can an inquiry be factual data? Please advise of what laws state this. I am have attached their results that was received in only XXXX hours of investigation. Is this reasonable?
Product: Money transfer, virtual currency, or money service

I sent {$250.00} on XX/XX/XXXX from my bank of america account through XXXX for a purchase for a speaker system. I later found out that the speakers given to me were fake knockoff speakers and that I was scammed. I called bank of america within 30 minutes of this happening thinking the faster I reached out to them the easier it would be to reverse the transaction. It has almost been a month with no updates on this and I do not understand why it is so hard for them to reverse this given that I was the sender and informed them that it was fraud. I called bank of america to reverse this immediately on XX/XX/XXXX when I sent it yet in another image of the zelle transfer authorization it said that it was transfered on XX/XX/XXXX
Product: Credit card

Total Credit Card refuses to provide me with a letter stating my account is paid in full. They are reporting inaccurate information to the credit bureaus regarding the account. They added a comment on my XXXX Credit Report that I did not make the first payment for the card. I paid the initial {$89.00} payment. I also paid {$420.00} via money gram to close out the account. I was told by a representative of the company when requesting inaccurate information to be removed from the report " that 's not going to happen ... ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to submit a complaint regarding my private student loans with Navient. For the past couple of years, I have went through years of nightmare dealing with my private student loans. I could n't afford the monthly payment earlier in my career making less than 20k a year because of the interest rate was so high. 

Graduated College : XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX- My salary ranged from 52-65,000K XXXX Children and Married. 

Private loan monthly payment : 1300+ a month My Private student loan has official went to charged off : XX/XX/XXXX I have received summon papers on XX/XX/XXXX from XXXX and XXXX XXXX and XXXX dismiss lawsuit on XX/XX/XXXX after I hired a lawyer in XX/XX/XXXX During the following year, I have regularly watch my credit report and notice problems with my credit report and improper use of my report. Below is the activity on my credit report, but still shows after removing it. 

XX/XX/XXXX- 2 Navient Student loan was removed from my XXXX account XX/XX/XXXX- 5 Navient Account removed from my report. 
XX/XX/XXXX- 5 Navient Account removed from my report. 
XX/XX/XXXX- 5 Navient Account removed from my report. 
XX/XX/XXXX-2 Navient Student loan was removed from my XXXX account Dept. of Education- Loan increase {$1500.00} extra Thank you for your time.
Product: Credit reporting

On XXXX/XXXX/2015 I applied for a mortgage loan and was informed by the creditor that I had an outstanding $ XXXX balance with XXXX XXXX. Upon some research, I looked at all three bureaus and noticed only Transunion was reporting the past due balance. The other XXXX bureaus, reported it correctly as " XXXX balance settled in full. '' On XXXX/XXXX/2015 I filed an initial dispute with Transunion using file # XXXX. I received notification in writing from Transunion on XXXX XXXX indicating they had updated my report. I reviewed their changes and noted that they did not resolve the issue, and continued to report a past due balance, but instead of it being $ XXXX, it was $ XXXX. I re-filed a dispute with transunion on XXXX XXXX, 2015 and received a response on XXXX/XXXX/2015 with an updated investigation that still showed the issue to be present. To summarize, the past due balance being reported on the XXXX account # XXXX is incorrect, I do not owe XXXX any money. The account was settled in full via a short-sale done on the collateral property. The continued reporting of a past due balance is incorrect. I have asked Transunion to conduct an adequate investigation and they have fallen short. I have contacted XXXX and have been unable to do so, I have documented and spent XXXX hours on hold, being shuffled around to different departments and being advised " the next department is the correct one '' based on the contact information being provided to XXXX by Transunion. I also wrote a letter to XXXX and have not received any response in over 60 days now. If I ca n't get a hold of XXXX to clear this up, how is Transunion verifying this alleged information?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off registered mail To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my federally protected consumer rights.
Product: Mortgage

I am aware of the lawsuit filed against OCWEN in federal court this year. I read a copy of the filed complaint and have experienced just about every issue in the complaint. I have had payment misapplied for years and then I have had to have them reversed while being reported late on payments even though it is OCWEN who applied to payment wrong. What is most concerning is when I request my loan history and those transactions do not appear as if someone has removed them to cover themselves. I have contacted OCWEN several times over the past 5 years to dispute my issues when I have been reported as late on a payment and all that happens is I am spun around in a circle with make believe math to explain how they have come to the conclusion that I owe funds. Some of the late reporting against me has also occurred while I was XXXX as an XXXX XXXX service member and OCWEN was well aware of that fact as I have been an XXXX XXXX service member for over 17 years. Even though I have pointed out that I was XXXX and offered to provide proof the negative reporting remains. This has destroyed my credit rating and as a service member with my particular job it has the potential to impact my lively hood. Last year I over paid into ESCROW by almost {$2000.00} due to changes in my property tax rate. OCWEN issued payment to the state and is now refusing to issue me my refund. I should have been issued my refund in XXXX or XXXX of this year but still have not been given MY MONEY. They are illegally with holding money that does not belong to them and insist they can hold those funds indefinitely. It seem counter intuitive that OCWEN thinks I am late on my mortgage but at the same time would not give me money that I could use to make myself current. When does common sense take effect. I have filed complaints before but I am hoping with current action being taken against OCWEN that something will finally get done.
Product: Credit reporting or other personal consumer reports

Car accidents, I surance claims to numerous to count. The last four numbers on the social security number are very close and it is being g attached to me
Product: Student loan

Fedloan is reporting past due on my loans for XX/XX/XXXX - 90 past due, XX/XX/XXXX - 90 past due, XXXX and XX/XX/XXXX 120 and 150 past due. 
I have disputed this incorrect reporting with them and they have not done anything to correct these incorrect reporting. I was granted a forbearance for all those months.
Product: Credit reporting or other personal consumer reports

Bank of America is currently reporting an account on my credit report that is over seven years old and should have been removed in accordance with FCRA guidelines. Under the FCRA, negative information such as delinquencies, charge-offs, and other adverse items must be removed from a consumers credit report after seven years from the date of first delinquency. However, despite the seven-year period elapsing, this account remains on my credit report.
Product: Mortgage

I was in a forbearance plan XXXX while continuing to make payments. XXXX was not crediting my account for my payments. XXXX then moved forward to place me in a modification that escalated from {$130000.00} to XXXX costing an additional {$10000.00} and increasing my monthly loan payment an additional {$1000.00}. I have reached out to XXXX for explanation for the increase without resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reported XX/XX/19 XXXX XX/XX/19 Bankruptcy XXXX XXXX I disputed this inaccurate information and where or who provided this inaccurate information they did not respond.
Product: Checking or savings account

XXXX XXXX XXXX has deliberately moved charges on my account on two different occasions so they could charge me overdrawn fees. They moved the bigger charges first so they could put the smaller ones on last to charge my account six overdrawn fees.Some of these charges had already cleared my account two days earlier. How can a person survive with such conniving going on behind your back. This bank has been sued before for this exact process and lost the case. Which did get us a handsome refund due to their negligence.
Product: Student loan

They raised my monthly payment from {$170.00} per month to {$560.00} at the beginning ofXX/XX/2018. I was told over the phone that I don't qualify for a lower payment plan now. I am currently in forbearance for one year.

I tried to apply for loan forgiveness because I've consistently paid my loan and worked full-time as a XXXX XXXX XXXX  for 12 years now. Federal Student Loan.gov turned me down, saying that I didn't have the right kind of loan ( PSLF ). They told me to apply through Navient. I found the Navient XXXX  loan forgiveness form, but my financial officer at work says that it's not the appropriate form. I can not find an equivalent form for Navient civil servants loan forgiveness.

I've read about the lawsuits against Navient. I had student loans through Sallie Mae before Navient took over. Likewise, I've read that it may not be wise to refinance through XXXX XXXX. I would have to start all over to qualify for the loan forgiveness.
Product: Debt collection

In XXXX this debt was reported by the company itself the debt was disputed and removed from all credit bureaus by the company because the debt didnt belong to me. In XXXX of XXXX the debt was sold to a third party, which is who my complaint is about. They are now reporting this inaccurate information.
Product: Credit reporting or other personal consumer reports

My wallet was stolen during a football game in 2019, that included my driver 's license and social security card. I made a police report right after and was advised to place a fraud alert on my credit. I recently obtained a copy of my credit profile and noticed an account and credit inquiries that I have no affiliation with or knowledge of. I reached out to the XXXX XXXX XXXX requesting verification and that these inaccuracies be removed from my credit profile. Furnishing this account and information to my profile is in violation of 15 USC 1681, not only have I not given any permission or written consent, but fraudulent accounts are being reported on my profile due to identity theft. The impact this account is having on my credit profile is preventing me from accessing new line of credit. The creditor that I have no knowledge of that's reporting to my profile is, XXXX XXXX. I also noticed a series of inquiries from XXXX XXXX  that I never authorized.
Product: Debt collection

On XX/XX/year> talked with XXXX XXXX XXXX about modeling representation. 
Company proceeded to say that any income i received from model bookings would deduct that amount from XXXX XXXX balance which was stated to be XXXX with a collection fee of 40 %. I never received any model bookings and asked with in the 30 days to void partnership. 
Now four years later the XXXX XXXX XXXX is trying to collect a debt of XXXX $ which I do not have and unable to pay.
Product: Credit card or prepaid card

On XX/XX/2018, i was charged {$230.00} for wrong hotel services. I checked into a hotel XXXX XXXX, when I checked in, i paid with credit card, please note, I did not see the inside of the room yet. When I went to the room, it was dirty, smelled and wreaked of urine. I walked in and immediately left the room and told the XXXX I refuse to stay here. They said I already paid, I had to stay and my money was non refundable. I left the hotel immediately and told them I would dispute the charge. I never stayed at the hotel, I checked in and immediately left the hotel premises. I want to dispute the charge, its a false charge and Bank of America needs to correct the problem. Condition under dispute is Condition 13.1, Condition 13.3, Condition 13.5, Condition 13.7 ... .. all conditions I would like to dispute the charge under.
Product: Mortgage

During the purchase of my home it was never brought to my attention that one of my mortgage was a balloon mortgage and after 15 years the remind amount must be paid in full. In this case the amount due is XXXX I tried numerous time to trying to set up a payment plan. I spoken with a few staff member in regards my concern and they always have the same response. I being in my home over 15 years and prefer not loosing my home due to not having agreement with the lender in places.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED TRANSUNION AND XXXX AS WELL AS XXXX TO DISPUTE THE FRAUDULENT ACCOUNT LISTING ON MY CONSUMER CREDIT REPORTS AND SENT THE SAID ABOVE COMPANIES THE FTC REPORT IDENTIFYING XXXX XXXX XXXX XXXX  ACCOUNT TO LET THEM KNOW I DID NOT AUTHORIZE THIS ACCOUNT TO OPENED SO FAR I HAVE NOT HAD ANY POSITIVE RESULTS. 
IT'S BEEN OVER 30 DAYS.
Product: Mortgage

3-4 years ago my mortgage was sold by XXXX to a company called Seterus. Since then I have so many payment problems. My bank has sent them a mortgage payment 2x,  both occasions the payment was never received!! I get hit immediately with penalties. I have paid several times through their online payment system, again these payments failed and I got hit by penalties. Always penalties. The only way to pay my mortgage is to actually call them up every month and authorise same day debit from my account. Always so many extra fees ... I have reached out through social media and found hundreds of people suffering the same way. 

We now realise that Seterus are scammers, just looking to frustrate mortgage holders to screw extra fees every month. This is a consumer racket, and the public is being fleeced. I am a member of this XXXX page - https : XXXX. Please investigate them, they are fraudsters
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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