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

On XX/XX/2023 my Accounts was Hacked from a XXXX Data breach, And some one cleaned out my Business Account and sent an illegal Wire for {$52000.00} was sent from my Business Account at Truist Bank Has put the blame on XXXX XXXX XXXXXXXX and A recall was sent within 1 hr. and a claimed filed with Truist Bank. 

XXXX XXXX XXXXXXXX has had 5 months to investigate this wire as it was recalled on XX/XX/2023 within a fast time to stop funds moving. 

I'm at a lost of getting any help and a respond from anyone. 

I have filed an FBI report as well, I have also filed several suits against XXXX XXXX for Negligence. I am forced to File Bankruptcy Business ' and Personal XXXX XXXX this month. 

Its a shame to have to use any Bank anymore because there is no help, protect and or support to get answers.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the account listed below be blocked and deleted from my credit report, as I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that this unauthorized account be immediately removed from my credit file to prevent further damage to my credit. 
Account to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00}
Product: Debt collection

Receivable Management Systems has been reporting failure to pay a debt on my credit since XXXX. Since I first saw this on my credit I have made multiple attempts to pay the debt over the past XXXX years recently on XX/XX/XXXX I disputed the issue to receive no response from the company. During the month of XX/XX/XXXX I have left 6 messages for their dispute department and have not received a return phone call. 

Yesterday XX/XX/XXXX I spoke with a collections representative who said she had to record the call which I understood then said " we are reaching out to you to collect a debt ''. I replied since this is recorded please make note that I reached out to you all because there has never been an attempt made to collect this debt and before you started recording you verified that you all have made no attempt to collect this debt because I live in Washington DC, which is no longer the case and has been updated on my credit file and should have been the multiple times I have called to inquire and receive a bill regarding this debt. You all even have a phone number on file that was put in service after XXXX the original date of the bill but you all are stating that you have had not tried to collect this debt and that's concerning '' and you even tried to make light that I did not have the whole account number yet I gave you the exact information from my credit file submitted by you all. In which the representative responds " I am not going to argue with you are you calling to pay the debt of {$410.00} if not I can transfer you to disputes and they may call you back. I explained I have left multiple messages for them and received no response and she replied well I can't help you. 

This company chose to not bill me in Washington, DC because legally they could not pursue my medical in DC. Now, since I have moved to Maryland a state where they are able to enforce collection efforts they have not but they now want to charge me a fee for the time they could not legally collect payment. They are now charging me 3 times the original payment amount because they chose not to collect or send collection requests to any of the Maryland addresses that were updated in my credit file! I have offered sever times to pay the original debt minus the egregious collection fees and that offer was met with aggression. I am now willing to pay the original amount owed minus 30 % and no collection fees due to XXXX XXXX unethical and predatory collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Debt collection

Letter in the mail received XX/XX/XXXX informing me that outstanding debt with XXXX XXXX will be turned over to Harris & Harris, a Debt Collector. No amount listed. I attempted to call company and kept ringing ( no voicemail ). Text messages received XX/XX/XXXX and XX/XX/XXXX stating that I will receive texts from Harris & Harris. Attempted to call but it hung up before ringing. Website provided that was active, but no specific information. No claims number provided. Text on XX/XX/XXXX stated that I could pay only 80 % of my debt via text if preferred. I provided no financial information to this number.

I previously used XXXX XXXX from XXXX XXXX - XX/XX/XXXX at an apartment complex ( was individually billed by XXXX however the service was contracted with my apartment complex so I did not have to install or remove any hardware ). My outstanding balance at time of vacancy ( XX/XX/XXXX ) and receipt of hard letter ( XX/XX/XXXX ) was {$0.00}.
Product: Debt collection

American First Financial is trying to collect a debt that is not owed. This account should have been closed and not owed, because the items that were financed were never received. I called and spoke to American First Finance and they agreed and closed the account. They then tried to take a payment which was rejected from my bank because I informed them that this money or items were never received. I have filed a fraud report with the FTC- because whomever got the funds from this loan was not me and I DO NOT OWE this money. THE FTC REPORT # IS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received an inquiry from XXXX that I had a new inquiry on my report and subsequently later a new account was added to my report. 

The inquiry and account was from " XXXX XXXX XXXX '' which I had never heard of at the time. 

So I called them and explained everything and agreed this seemed like some type of identity theft, and that they would remove the account. 

At this point it seems that they have indeed removed the account, however I'm still seeing " XXXX XXXX XXXX '' as a hard inquiry on my XXXX credit file.
Product: Money transfer, virtual currency, or money service

ZELLE HAS BEEN FLAGGING MY BANK ACCOUNTS & PREVENTED ME FROM BEING A MEMBER FOR XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed that I have several addresses that do not belong to me nor have I ever lived at the addresses. I have contacted ALL XXXX credit bureaus asking for this to be corrected immediately because the addresses DO NOT belong to me. I sent my driver license in with the correct address and they still haven't removed them off. I filed bankruptcy and I still see accounts on my credit report that should have been removed. at this point I have an attorney involved. trying to get something removed that should have not been there in the first place. I am asking that ALL XXXX major credit bureaus please removed all information off my credit report that is inaccurate or part of identity theft. This should not be as difficulty as it been to have something removed off my credit report that do not belong to me.
Product: Credit card or prepaid card

I purchased a bed from XXXX on XX/XX/2022 using my Discover card. When I received the item on XX/XX/XXXX I noticed it was damaged and it was the wrong item. I immediately setup a return from XXXX and was given a shipping label with XXXX. The bed was picked up on XX/XX/XXXX. After the pickup I noticed I could not track the package because the tracking was not working. It was giving me an error and telling me the tracking number was not in the system. Apparently the package is now lost so because of this XXXX refuses to refund me the total amount of $ XXXX disputed with Discover because of incomplete service but it did not go in my favor. Now I lost money to XXXX and have no item to show.
Product: Credit card or prepaid card

Opened dispute through PayPal on XX/XX/2022 for receiving the wrong item. They sent a wig with synthetic hair and not the length of XXXX inches. Instead they sent a wig with XXXX inch and barely XXXX inches just along XXXX weft. The wig resembles a troll with all the different lengths. The company reached out to provide a {$30.00} refund to me and then a {$40.00} refund if I send the item back. PayPal advised if I send it back I can get a full refund so I declined the vendor alipearl. The next day PayPal closed the claim stating that the vendor does not refund for altered products but I had to attempt to style the wig like curl or straighten it and it burns and does not curl. Then PayPal advised I can only get a {$50.00} voucher through PayPal. 
Now I am trying to use the voucher and now PayPal is telling me they only have a {$20.00} voucher not {$50.00}. 
PayPal tells lies and does not allow me to screenshot our messages due to security reasons. Yet they don't update the conversation within the claim. I want a full refund as the item was not human hair nor XXXX inches and proof was given of the quality. XXXX purchasing a pair of shoes and they begin to tear after XXXX wear. The hair looks nothing to what I received. It does not move, it's not human hair. 

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

I am submitting this 5th CFPB COMPLAINT today to inform the Credit Reporting Agencies are required to remove the disptued accounts and information from my Credit File under the Fair Credit Reporting Act Section 605b. I have been submitting Dispute letters and CFPB complaints addressed to the Credit Reporting Agencies requesting the removal of the disputed fraudulent accounts and information completely from my Credit File. However, the Credit Bureaus have become stubborn and neglected their duty to investigate and verify the disputed items. I was a victim of identity theft and that the items I am disputing were never mine neither did I authorizde anyone to open these accounts in my behalf. Under th Fair Credit Reporing Act section 605b, I am requesting once again to remove the following items completely from my Credit File : XXXX XXXXXXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, the Credit Bureaus have failed to send me copies of proof of their verification or proof of ownership to prove that the disputed items belong to me. And yet hey continued to report th disputed items despite not being able to verify the disputed accounts.
Product: Payday loan, title loan, or personal loan

We were told that due to employment layoff due to Covid 19 that we would could take a forbearance on the payment and that it would not result in any negative credit reporting. After discussing it further my spouse and I elected to end the forbearance and make the XXXX and XXXX payment at the same time but was still issued a late payment to my credit report for XXXX. 

This years payments XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XXXX {$780.00} ( XXXX and XXXX 's payment ) XX/XX/XXXX XXXX The late payment was applied for XXXX even though we were assured multiple times that there would not be any negative consequences of taking the payment forbearance. Lending Club is very difficult to work with and each time you speak with a rep you told something different.
Product: Payday loan, title loan, or personal loan

I filed bankruptcy and One Main did not raise any concerns about their loan being XXXX. My case was accepted by the XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. My case number is XXXX. 

Additionally, I have not received any correspondence that a balance was due or repossession was possible. I am shocked that my car was repossessed on XX/XX/XXXX. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I am writing this complaint because I have tried working with the company and the credit bureau to resolve the fraudulent accounts that are on my credit report. I have provided them with a copy of my drivers license and a copy of my Social Security Card as proof that I never opened any of the accounts listed and they are saying that because they have my personal information and the wrong address this is my account. But this is truly Identity theft and under the section 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 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 is not information relating to any transaction by the consumer. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. Of 15 U.S. Code 1681c2 - Block of information resulting from identity theft The following accounts must be removed and permanently locked from my credit report. 
The accounts are listed as : 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicated that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card or prepaid card

I called Discover because i was previously on a payment plan and i was told once it ended i would have use of my card but learned today that the account would be reviewed monthly to see if i qualified for use of my card so i told the rep i would like to cancel my account but i have questions b4 completing the cancelation. While asking my questions, the call dropped and she canceled my account without calling my back to confirm if it was ok to go forward with the cancelation. I called them back the same day and they're telling me the account can not be reinstated although i never finally agreed to the cancelation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX show in my credit report two bankruptcies as public records reported from two different courts on the same date XX/XX/XXXX in the bankruptcy court of the city of XXXX, Fl and in that of the city of XXXX Fl with different numbers of records on the same date : XXXX for US BKPT CT FL XXXX and XXXX for US BKPT CT FL XXXX. 
The public record of bankruptcy was filed in the XXXX court of initiation, but was transferred to the XXXX court where the Discharge of debtor was concluded on XX/XX/XXXX. The fact that the credit reporting agencies show how I publicly record two bankruptcies on my credit report prevents me from refinancing my home.

It is impossible by law to file two individual bankruptcies on the same date and year even so these credit reporting agencies show that I have two bankruptcies on my credit report when without a reasonable doubt they are shown on the same date and even only that of the bankruptcy court of the city of XXXX Fl. shows that it was resolved on XX/XX/XXXX and that of the city of XXXX Fl, as an unsolved petition.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I made a payment to Carrington mortgage for {$2800.00} thru my XXXX XXXX account which had a balance of {$7700.00}, I was later told by Carrington that my payment was returned, than I made a replacement payment but by that time the account. 
had gone over 30 days, I contacted XXXX XXXX to find out why the payment was returned and they stated that they stared a fraud review and froze all out going payments from my account I than sent Carrington the latter from XXXX XXXX stating such and ask them to update my account to reflect that I made my payment on time but because of a technical issue at XXXX XXXX they returned the payment, but for the last three mouths they have been giving me the run around and have not corrected this issue which has ruined my credit and reduce my score by XXXX points.
Product: Checking or savings account

Went to the Well Wells Fargo bank today to get {$50.00} out of the bank and then and they told me that my account was closed and that I had a XXXX balance and I asked him why I have XXXX balance in my account was closed they couldn't tell me they told me you're making an appointment with the banker and come back on Monday I asked him where my {$300.00} went and they said there was a debit for {$300.00} and I said there can't be because I didn't make no debit for {$300.00} there are not believing me and anyway so I called the XXXX number tonight and they said they were going to they put a a suspected takeover account form and on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX and I'm experiencing issues with Navient Student Loans reporting late payments to the credit bureau. Below is the sequential events that caused my account to be considered delinquent. 

1. I was approved for forbearance from XX/XX/XXXX - XX/XX/XXXX. My first payment was due on XX/XX/XXXX. 
2. On XX/XX/XXXX I was rear ended in a car crash and taken to the ER. I remained in the hospital for 5 days but wasn't released back to work. 
3. Due to being out of work for my accident, I was required to apply for FMLA/XXXX XXXX XXXX. As a result of being out of work, my time was not entered into XXXX and I wasn't paid resulting in the XX/XX/XXXX payment to reject. 
4. I received a letter on XX/XX/XXXX advising that my loans are at least 10 days past due but I still had time to make a payment to keep my delinquency from being reported to the credit Bureau. The document provided a breakdown of the amount owed and displayed an amount for 2 months ( 2 missed payments ) 5. On XX/XX/XXXX I made a full months payment that posted on XX/XX/XXXX ( 2 days prior to my due date ) which according to the delinquency letter should have removed 30 days ( 1 cycle ) from the total days my account was considered late. 
6. On XX/XX/XXXX I made another {$1.00} payment to enroll back into retroactive forbearance that was applied from XX/XX/XXXX - XX/XX/XXXX. 
7. On XX/XX/XXXX I received a confirmation letter confirming my forbearance was approved and specifically under the credit reporting heading, the document reads " If your loans were delinquent and your loans have been reported to the credit reporting agency, information reported BEFORE the loan was processed will not be removed '' 8. On XX/XX/XXXX I received an alert from my credit monitoring service that my Navient Loans were reprted between 90 days late for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX even though my forbearance was processed 3 days prior to being reported as late to the credit agencies. 
9. Today I received a new alert showing that XX/XX/XXXX 's late payments were removed but now XX/XX/XXXX is now showing as 120 days late.
Product: Mortgage

21st mortgage continues to hold overage of escrow instead of applying it to the account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

After my bank changed my account number, I logged into my Bank of America ( BoA ) online. I provided BoA with all requested bank information. BoA sent two trial deposits to my new bank account. On XX/XX/XXXX I entered both amounts, BoA displayed a message that the amounts were incorrect. Several times more I tried again and entered the two amounts. Again, each time BoA displayed a message that the amounts were wrong. They were not, as I checked carefully over and over. So, on XX/XX/XXXX I tried to call BofA. Its XXXX  automatic AI could not understand the purpose of my call. After rewording my purpose multiple times, I finally was connected to a LIVE BoA person at about XXXXXXXX XXXX  After spending several minutes identifying myself and my BoA account, the female employee was confused, referencing a different account. She could not understand the problem I encountered re the two trial deposits. After more minutes wasted she admitted that she was in the wrong department to help me. After wasting more time on hold, she said that she could not transfer me to the Credit Card Unit- why did the XXXX  AI route me to her? Then, she LIED and said that she would send me a link to resolve the problem. The link was nothing more than BoA 's home page! Thus, the call to BoA was a total waste of time, owing to BoA 's dysfuncional call operations and incompetent personnel. I have tried again to verify the deposits with no better result. MY PAYMENT IS DUE IN 11 DAYS, BUT UNLESS BoA corrects the problem, I will be unable to submit my payment, leading BoA FRAUDULENTLY CHARGING ME FEES and INTEREST for not paying. BoA is a disgraceXXXX XXXX THE PUBLIC while its executives get paid hundreds of million dollars and its shareholders reap dividends through .CORRUPTION.