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

Albert working under XXXX XXXX XXXXXXXX. Allowed an account to be opened that was not authorized and was opened due to identity theft. With a stolen Email address XXXX, Albert then proceeded to attempt to advise that fraudulent charges that occurred on the account could not be disputed due to " Unusual activity '' with the account. I advised that the charges made on the account were not my charges. Someone stole my wallet and opened the account, Albert never verified any information and continued to open the account without clearing the fraud alert on my consumer files. Albert also allowed fraudulent charges to occur for an advance I never received the advance was then charged to the account for {$200.00} after I advised I never received the advance I was told too bad they can withdrawal that and I owe it because of something I never agreed to. Following that Albert allowed many fraudulent charges to occur from a XXXX I reached out to this merchant who confirmed the charges were fraudulent, I sent that communication tXXXX XXXX The merchant attempted to refund all fraud charges on XX/XX/XXXX. Albert proceeded to tell me the refunds were blocked because the account was " Suspended '' Due to " Unusual activity '' And that they can block refunds. Albert then advised me to go ahead and go back to the merchant and tell them to reissue the credits that they will unblock the account. I did and the merchant was highly upset because they already issued the credits. Albert then proceeds to dispute the charges and then later a month later, advises me they found no error that the merchant confirmed all charges were rendered. I advised thats not true because the merchant emailed me telling me they were fraudulent and confirmed so, and also advised they tried to issue a refund. Albert told me they do not care, they do not have to allow merchant refunds to go through because of unusual activity and that they take supposed security to great lengths. Again I feel that is false since they continue to fraud the account themselves. Albert then proceeds to tell me I owe the {$970.00} FRAUDULENT Dollars they deemed no error occurred on. When I asked why the merchant confirmed it was fraud but Albert confirmed it was not and they told me I can ask for Documentation. So I did and all it says is Dispute revoked. You can clearly see in their documentation from Albert where the merchant tried issuing credits on XX/XX/XXXX and Albert BLOCKED All of the refunds. I feel like this continues to violate my consumer rights, I have provided all documentation and PROOF from the merchant stating these are fraud, and albert is abusing peoples account 's by denying refunds of fraudulent charges and telling me they can do so when an account is suspended. For supposed UNUSUAL AcTIVITY FOR AN ACCOUNT I NEVER OPENED. Again Albert refuses to assist and this claim is not resolved. They blocked the merchant credits, and I will take this to visa and mastercard if necessary.
Product: Money transfer, virtual currency, or money service

I got a personal loan from XXXX XXXX XXXX to pay off credit card debt. It was for {$18000.00} and i got the loan XX/XX/XXXX. {$9800.00} dollars went to my credit card with XXXX XXXX XXXX. The rest ( {$8200.00} ) was supposed to pay off a credit card I have with synchrony bank ( XXXX XXXX ). I received a check in the mail for the {$8200.00}, with no instructions. I did a mobile deposit into my bank account with Huntington national bank on XX/XX/XXXX, so I could pay my credit card off online. The check though was made out to synchrony bank, even though it had my name on it. So Huntington bank is now holding the check and will not release the funds to myself or send them back to XXXX XXXX XXXX so a new check could be issued. Huntington bank is labeling this as fraud as the check was made out to XXXX not myself directly. Huntington wants XXXX bank to sign a release form. I talked to a few people at synchrony and they will not sign the form. Huntington also said XXXX could send them a holds harmless letter, or request the funds back thru the issuer of their check. After talking to many people at XXXX XXXX XXXX they will not do either option ( do to legal reasons ). Huntington is stating if one of the 3 options is not done they will hold the funds indefinitely. XXXX is not able to do a stop payment on the check because Huntington " has the money ''.
Product: Credit reporting, credit repair services, 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. 
Accounts : SC XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 


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: Debt collection

I had to pay a utility bill in a home that I never lived in. Was XXXX XXXX XXXX stationed in Hawaii. Sent proof of my residency. I was told if I paid it they would remove it off my credit report. Penn credit corporation XX/XX/2020 XXXX. Paid in full and not removed.
Product: Checking or savings account

My husband and I filed our XXXX tax with a tax preparer. We expected it to be directly deposited into my personal account with Bank of America as indicated during the process of filing. For some reason it wasn't so, a tax refund check from IRS was sent to the tax preparer, which he deposited and cash his service fee and wrote a check of the remaining amount to me for us to cash our refund. The check was issued by XXXX XXXX. However, it was discovered to be a counterfeit check on the XXXX of XX/XX/XXXX when I deposited the check and my account with Bank of America was closed as a result after some days even after the cashier had me standing there for more than XXXX minutes to verify the check. Bank of America refused to refund me and XXXX refused to resolve the fake check either. I have been going back and forth both the tax preparer 's and Bank of America since the time of the incident. Please help I need my money back. It's my family 's right.
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. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX Account XXXX : XXXX and 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: Debt collection

Received a call on my work phone. Caller ID showed a local Cell number so I thought it was a valid work call. When I answered it was a lady From National Credit Adjusters. they were calling daily so I answered today because again I thought this was a work Issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I have an account being reported on all three of my credit reports. I have requested this company, skagit bonded, to validate this debt. Instead I received interesting responses, and they failed to validate this debt. What they're doing is illegal, and per my attorney 's instructions I have first reporting to the CFPB and the attorney general. I also would like to request this companies Washington state representative so I can take them to court if they still refuse to abide by federal law. Attached is my correspondence with this company. Thank you!
Product: Credit reporting

There is inaccurate data on my credit report which i would like to dispute. Experian does not except mail or telephone calls and has an online form. however when i enter my information it yields an error stating it can not locate my data. This happens several times when i dispute my report from experian. The other XXXX agencies go through fine. I am not looking for a copy of my report but disputing my report. How is it possible that they can get away with making the process impossible for you to repair your credit. What rights do consumers have if they can conduct business this way. The want me to pay money to dispute something on my credit report. This has to be illegal. 



Experian - A World of Insight We were unable to honor your request. If you entered your credit card information, we did not charge you. 

Sending us your information To receive your personal credit report by mail, please mail us this letter ( or the information in it ), along with one copy of a government issued identification card, such as a driver 's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. 


Mail this form, along with payment ( if applicable ) to : Experian XXXX XXXX XXXX XXXX, TX XXXX [ ] Check here for overnight delivery and include an additional {$20.00} overnight processing fee. [ ] Check here to authorize delivery of overnight package without obtaining signature. 

Your identification information XXXX XXXX XXXX Social Security Number : ______________ XXXX XXXX XXXX Date of birth : XXXX/XXXX/XXXX XXXX MA XXXX Home telephone : XXXX Report number : N/A I am requesting : [ ] Free credit report due to declination or adverse action ( enclose a copy of the letter you received notifying you of that adverse action ). 

[ ] Free annual credit report. 

[ ] Free credit report based on my state 's law. 

[ ] To purchase my credit report. 

[ ] To obtain my free report with my promotional code : ( enter code ). 

[ ] Other ( please explain ) [ ] Check here if you are blind or visually impaired within the meaning of the Americans with Disabilities Act and can provide proof upon request, indicating that you are eligible to receive your credit report or score report in an alternate format such as Braille, Large Print or Audio CD. 
[ ] Braille [ ] Large Print [ ] Audio CD Write any comments below
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau has taken way above the time to respond to complaint XXXX and the meantime they have downgraded my excellent FICO score to the lowest possible. My current FICO score is at XXXX all because Experian has neglected to review the several documents I have submitted via their upload system. They have also failed to timely respond to the prior complaint through CFPB. The other two credit reports have done the correct thing and done due diligence in reviewing the documentation provided and have positively corrected my credit therefore increasing as expected muy credit report back to a its respective and correct score. Experian is also not even allowing me to dispute the negative tradeline on-line rather they want me to call to a number where they are constantly busy with long waits.
Product: Checking or savings account

On I noticed suspicious activity from XXXXXXXX XXXX and XXXX XXXX. It was reported to the bank as soon as found out. Customer service opened an investigation in which i.was made.aware my account would be closed a check refund would be sent. My account was closed XX/XX/XXXX. A direct deposit from my payroll was deposited and absorbed due to over drafts caused by fraud. I was made aware I would be updated and never received any information. I was asked to fax a letter and given instructions by a Bank of America representative on what to say. Once the letter was received the customer service rep stated I was not receiving my refund for monies due to " '' failed to mention I didn't have my phone or lost or stolen " '' not added to my letter. I was made aware that it was decided ro not refund me as I had possession of my phone unless I stated it was stolen. They made me fell as I was lying after saying how could they have my card information. I responded that information is saved on the apps account. I requested notes and copies of findings that ultimately came to the conclusion in which they stated none of the information could be given to me only read to me via the phone. I was guided by a representative of Bank of America on what to say, I'm only XXXX XXXX XXXX and unruse of what's correct. I was told my money would be refunded and later made aware it would not based on a letter I was asked to fax and was told what to write. I feel set up and now I've lost over {$1000.00}. My account was positive prior ro charges and a payroll check was deposited prior to Bank of America making the decision to close my account. This shows bad integrity and almost as they asked me to do something that would ultimately hurt me. Also not providing any details in writing regarding the investigation after requested is a bit dishonest. Calls are recorded and should be reviewed.
Product: Debt collection

I checked my credit report and found that States Recovery Systems has listed an account as an adverse, in collection account. I have paid this debt with the original creditor, and have told SRS this on many occasions. I also requested that they verify the original debt with the original creditor and no verification was ever provided.
Product: Mortgage

Hello Caliber home loan managers, I am writing to request your assistance in escalating, appealing, and review of a shortsale application that is before XXXX XXXX, representative, on the Res.Net. portal.
I have been working over six months to get to a point where there can be an amicable resolution, but I frankly believe that the offers and the willingness to resolve the matter are being acted upon in good faith.
The borrower is deceased and the executor to the property, XXXX XXXX, is attempting to complete the shortsale. The mortgage is in foreclosure at this time with motions and cross-motions pending before the court.
The original mortgage was about $ 305k,  however, with the arrears, the total payoff is now $ XXXX. I have submitted a top offer of $ XXXX to the rep. who declined that offer today and demanded the XXXX payoff. That is NOT how shortsales work. The shortsale buyer is not an investor, but an end buyer who will reside in the property. Prior getting to this point, XXXX XXXX, not knowing what the payoff amount was and having no idea of the location of where the property was situated demanded $ XXXX after a BPO was done. I disputed that value and submitted repair comps. The investor then approved a demand for $ XXXX.
However, when I pointed out to XXXX that this demand is higher than the payoff, he then followed up with a request for the total payoff amount. I explained that the buyer is making an offer of over 70 % of the arrears and is an end buyer who can not qualify for more funding. The buyer is the Executor who wants to keep the property within the family so that she, her brother 's kids, and sister can live there.
At this point, I am frustrated with the responses and the process that I believe to be deceptive. XXXX has been very closed off in providing information and generally not explaining why the counter demands remain unreasonably high.
I urge you to step in and assist me in this process as soon as possible. Specifically, I would like XXXX XXXX XXXX to be taken off the review of the file. Another party needs to and should be assigned.
Thank you.
NOTE : The Executor, XXXX XXXX, is an retired veteran, served in the XXXX XXXX She currently is employed as a correction officer.
-- -- -- -- -- -- - RES.NET INFORMATION FOR SHORTSALE Master Client : Caliber Home Loans Client : Caliber Home Loans Subject Property : XXXX XXXX XXXX, XXXX, NY XXXX Property ID : XXXX  Due Date Assigned Date Task XX/XX/XXXX XX/XX/XXXX Submit Short Sale Request* *This task requests a document required for sale to be completed and you must log in to complete this task.
XX/XX/XXXX XX/XX/XXXX MLS XX/XX/XXXX XX/XX/XXXX Property Assessment Task XX/XX/XXXXXX/XX/XXXX Homeowner Financials* *This task requests a document required for sale to be completed and you must log in to complete this task.
Product: Checking or savings account

I received an email from what I believed was my escrow officer stating that I needed to send my closing costs to a Chase account. Chase is not helping to freeze this fraudulent account nor helping me at all. Please help- Im losing my the potential of getting my first home, my life savings everything!
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unauthorized Hard Inquiries To whom it may concern, I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. Upon reviewing my credit file, I noticed the following inquiries that I did not authorize : [ XXXX XXXX ] [ XX/XX/year> ] In accordance with the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 ), hard inquiries require express authorization from the consumer. If an inquiry is not authorized or verifiable, it must be removed from my credit report under Section 611 ( a ), which grants me the right to dispute inaccurate or unverifiable information. 

As these inquiries were not authorized by me, I am requesting that you immediately investigate and remove them from my credit report. I have attached a copy of my identification. 

Please be advised that, at this time, I have placed a freeze on my credit to prevent any potential fraudulent activity due to the unauthorized inquiries. I believe this precaution is necessary to protect my credit and personal information while we resolve this issue. 

Please provide me with written confirmation of the removal of these inquiries or, if you believe these inquiries were authorized, provide proof of my consent. Failure to do so within XXXX  days constitutes a violation of the FCRA and XXXX result in further action. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates to my address above.
Product: Debt collection

I sent a cease and desist letter to Popular Financial several weeks ago and they continue to harass me and use threatening language. The letter was sent XXXX XXXX, 2016. When they call they state they do n't care about what the letter states and harass me over the telephone.
Product: Student loan

On XX/XX/2023 I requested a student loan payment refund in the amount of {$1300.00} from Mohela under the Covid 19 payment pause. On XX/XX/XXXX, I checked my account with Mohela and my balance had increased by the refund amount. On Friday, XX/XX/XXXX I reached out to Mohela through their web chat and was told that the request has completed processing and was sent to the US Treasury. The representative could not give me an exact date that it completed processing. The representative stated that I could reach out to the US Treasury to check on the status. I reached out to them and that representative told me that they do not have anything in my name for a refund payment. I called Mohela and spoke to a representative. She stated that there is no way to see the status of the refund request and that I would have to wait another 60-90 days. My complaint is that they are keeping my money with little communication or accountability. Mohela is not consistent in their response and provides no written documentation on the status of important financial transactions. They appear to be moving the goalpost on their timelines, which is causing financial anxiety and pressure.
Product: Credit card or prepaid card

I have one credit card account with HSBC bank. There is one transaction from one merchant names XXXX XXXX XXXX. They charged me XXXX USD for membership to my HSBC credit card account. I called the merchant to dispute and cancel the membership. The merchant said that they did cancel the membership. the following year i saw the merchant charged me XXXX usd again. I called the credit card to block the merchant because they continue to charge me. The credit card company HSBC did block the merchant and filed the dispute for me. I thought everything went through. I received the statement on the following month still has the same charge XXXX usd with late fee and interest charge. i called the hsbc to dispute one more time. they said they filed the second dispute since the first dispute never went through. They also said that they will refund the late fee and interest. I thought they will do. the next statement came and it has the higher amount with late fee and interest. i called hsbc on XX/XX/2020 and they transferred me too many departments. the problem is never solved.
Product: Student loan

I have been paying my XXXX/Navient student loans since 2007. At one point, I was in forbearance ( for approximately a year. ) I have recently seen reports of the failings of Navient, I 'd like to inquire about my situation in this matter. 

Thank you