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

My husband and I were victims of a sim swap attack on XX/XX/year>, where our money and identities were stolen. The perpetrators obtained a copy of my driver 's license and with this information they were able to transfer money from the HELOC to our checking 's and savings accounts for theft. They then went to a Citizen 's Bank XXXX XXXX ( XXXX XXXX XXXX ) branch in person and withdrew the money in the form of XXXX checks consisting of {$38000.00}, {$34000.00}, and {$32000.00}. 

[ XX/XX/XXXX ] My husband noticed the unauthorized transaction and went to a branch nearby to try and resolve the issue. He requested the checks to be canceled but both the branch managers ( XXXX and XXXX XXXX ) say they can't do that. We also phoned the bank to file fraudulent complaints the same day. 

[ Week of XX/XX/XXXX ] We decided to go to a different branch, and one of the employees there was able to help us re-file fraudulent complaints. She also explained that checks can indeed be canceled. 

[ XX/XX/XXXX ] After weeks of communication and filing, the bank sent mail that stated that the transactions were indeed fraudulent, and that permanent credit is now granted. 

[ XX/XX/XXXX ] Received email of overdraft on account. 

[ XX/XX/XXXX ] Went to the XXXX XXXX branch and asked employee why this is happening. Employee stated that the bank is having trouble correcting the balance of the account and that they are confused since there was so many fraudulent transactions that occurred and to give them some time. She stated it was an internal issue, they are still looking into it. We also sent an email to the employee with a copy of the police report and requested that she forward it to the fraud teams. 

[ XX/XX/XXXX ] Received email overdraft notice again. When to the branch and the employee said to let the bank handle it. 

[ XX/XX/XXXX ] Mail on final notice of overdraft and that there may be negative impact in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account # XXXX, account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This Problem Goes back to a credit card with XXXX XXXX  dated back to 2014 in which I had credit card protection to cover more than the Balance on due on the credit card. 

XXXX has a big Problem Honor Credit Card Protection. But they like removing from your accounts through auto withdrawals. after months and months of added interest and arguments and harressing phone calls frim XXXX collection and destroyed credit, they finally sent me a check small one to cove hal the balance no the full balance. because it was interest they accrued alway argueing with me not resolving. XXXX loves to sell the insurance polices back in the day and if you really do some home work XXXX XXXX has really hurt many people financially with these insurance policy. XXXX sold then and claimed XXXX they had no Financial responsibilty for them when the money went through thier bank and distributed to insurance company every 4 weeks, earning interest of every one else dollars. 

On XX/XX/2014, XXXX was being very difficult I decided to take them on myself, I fiked a small claims action sc XXXX and the Judgment was found in my favor of Me including some legal fees and expenses, then hired an attorney to read the aggreement betewwn XXXX and myself. The agreement would state that once received the money for the judgement frim XXXX XXXX XXXX XXXX XXXX. that all the trade Lines ( credit lines ( XXXX, XXXX, & experian ) would be removed/ cleared that to the credit crds all social security numbers which were given to XXXX XXXX on XX/XX/2014 @ XXXX ) emailed XXXX. I have confirmation that XXXX XXXX to the credit Bureau, XXXX stated it would take 7 to 10days ( XX/XX/14 ) @ XXXX XXXX. and XXXX was going to verify this information. 

I went and vacated the Judgment against XXXX XXXX.. Today the Executive Office ( XXXX ) was rude with me regardig the XXXX application stating it was not my credit, it was a rude statement and it on all on my credit reports. from 2014 from XXXX XXXX   and this is exactly it. which clearly states it is all to be removed and not to be on credit reports, or to be connected. 
the is what I am stating that XXXX. is playing all t he time with people, they have the monolopy on the credit cards, so this has nothing to do with me my credit. this has to do with XXXX XXXX discriminating against me due to the fact they lost I won, which is actually., I paid for fully for emergency insurance. XXXX XXXX just does not like to Lose and money or interest, consumers work as hard too. If you believe in your heart your  correct keep moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm a victim of identity theft. The information listed below which appears on my credit report doesnt relate to any transactions that i have made. The following items are fraudulent 1. XXXX XXXX XXXX Acct # XXXX {$350.00} 2. XXXX XXXX Acct # XXXX {$1500.00} 3. XXXX XXXX XXXX XXXX Acct # XXXX {$1800.00} Ive sent multiple request to both Equifax & XXXX they both continue to ignore me and refuse to do a proper investigation. Please see attached FTC report
Product: Checking or savings account

XX/XX/XXXX i had a tax return direct deposit XXXX from there until XX/XX/XXXX all my funds were spent.i told them someone stole my card and activated it and spent all of my money they didnt do a good job investigating it because my dispute was declined.I informed them that i was incarcerated from XX/XX/XXXX until XX/XX/XXXX so there was no way that I could have done it.may i please have help thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code $ 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code $ 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I have been disputing a debt for verification and validation with Experian credit union for a total of four month as of now. I have been unsuccessful at being provided with the method of verification that the credit bureau utilized. On XX/XX/2017 I spoke with operator by name ( XXXX ) operator ID number of XXXX, and requested via telephone for method of verification and she failed to supply me with any contact information of how this debt was verified with the creditor. Ive attached letters that Ive written to the creditor as well as the credit reporting agency and has not received any requested information from either companies to validate the accused debt. At this time Im requesting that CFPB ask of each company to supply me with the requested information as written in the attached letters to validate the debt of accused by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX  : {$12000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX : {$700.00} ; XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$1000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

This is not my account never had wireless phone in that company before it is not me someone else is using my information
Product: Debt collection

I am receiving multiple, up to six times a day calls from a restricted number that is XXXX XXXX XXXX XXXX calling bout my past due credit card. I have asked them to stop calling considering they have called as early as XXXX, and the lady I just spoke to told me she is doing nothing wrong or against the law. I work in XXXX  and am well aware of the laws, and considering the times, restricted number, and the fact they refuse to stop calling me is all violations of debt collection practices by federal law. This debt is no so far past due it has been sent to collection agency. Just XXXX credit card collection department violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting lates in XXXX and XX/XX/2020 on the XXXX XXXX partial account number ****XXXX. ( Please see pages attached from my credit report. ) I contacted the lender and make specific arrangements for deferred payments due to my inability to pay during the Corona Virus Pandemic. I was assured by the representative that I spoke with that I would NOT be charged any lates and that no lates would be reported on my credit report. Unfortunately, they did not keep their word on our payment arrangement and reported the lates to the bureaus any way. This false reporting of lates is seriously harming my credit score and these lates need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX XXXX XXXX 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 XXXX business days after the date of receipt. It has been XXXX 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 report ( 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 XXXX protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX Inquiry Date : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account numbers ( XXXX XXXX XXXX XXXX Support ) ( XXXXBridgecrest ) ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are the dates when I mailed out letters asking them to fix the errors XX/XX/18 and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the XXXX XXXX  data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven XXXX XXXX  COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite XXXX XXXX compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Product: Payday loan, title loan, or personal loan

This ties in with my complaint against XXXX  XXXX XXXX. The first time, someone tried to take out a payday loan from Golden Valley Lending in my name and have the money go into a XXXX   XXXX XXXX Account that does not belong to me. I called Golden Valley Lending and let them know that the account is NOT mine. They stoppped it that time and I let them know to deny any other loan going to that account that is not mine. They said they'd make a note of it. 

This afternoon, I received an email that it was done again and still going to the same XXXX  XXXX XXXX account. I tried calling but they're closed on Saturdays. The loan was approved and the scammer will now get the money transferred into their XXXX account. 

I didn't initiate this loan. The XXXX  XXXX XXXX XXXX is trying to steal from me again and Golden Valley Lending isn't doing anything to stop them.
Product: Debt collection

XXXX, XXXX and Complaint against Caliber Home Loans XXXX Inc. and XXXX XXXX XXXX I demand XXXX XXXX XXXX Caliber Home Loans , Inc and XXXX XXXX XXXX to disclose who was the OWNER of the account receivable where my money were deposited between XX/XX/XXXX through XX/XX/XXXX.
Product: Credit card

I am honestly shocked from the lack of support and protection that Robinhood Credit Card have for their clients. 
I want to reiterate that I reported my card as lost or stolen immediately upon discovering the unauthorized transactions. Additionally, I promptly filed a fraud claim with Robinhood, only to be met with the disappointing outcome of a denied claim. 
The Robinhood investigation team determined that they were unable to substantiate the fraudulent nature of these charges, despite my clear assertion that I did not authorize these transactions. 
I am extremely disappointed with this decision as I have taken all necessary steps to protect my account and prevent further unauthorized activity. These charges were made without my consent, and I believe that I am being held responsible for a crime that I did not commit. 
I asked for reversal of the disputed amounts. 
All that I can say is the day of those charges occur., I was with my newborn at my home. 
If Robinhood does not see me as a valuable client and can not protect me a fraud then I would like to cancel my account and the last four digits of my social security are XXXX Robinhood CC client protection is basically none!
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2023 the amount of the loan {$23000.00}. The loan was paid off by my insurance company. Pay Status ; Account Paid in full. This has caused other financial departments to deny me another loan. Well-Fargo XXXX XXXX put Status as a Charge off on my credit Report. The status on my Credit report should only show current or paid off status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I HAVE REPORTED DISPUTES ON THE ABOVE CREDITORS FOR REPORTING INACCURATE DEROGATORY MARKS, ACCOUNTS STATUS, AND VIOLATING MY CONSUMER RIGHTS. I HAVE FILED A COMPLAINT WITH XXXX   PREVIOUSLY ON XXXX XXXX/XXXX  XXXX AND I NEVER RECEIVED ANY UPDATES, REMOVALS, OR VERIFICATIONS TO SUPPORT THEIR REPORTS.
Product: Credit reporting

Transition blocked me from getting report and credit score. It asks to verify auto loans and bank accounts I never had prior to giving access. There must be identiy theft of my account.
Product: Credit card or prepaid card

XXXX I received a XXXX XXXX XXXX Card and used the card. Once using the card I ran into financial trouble and asked the company to work with me to make payments and discontinue the usage of the card because it wasn't within my budget and I was forced to cut my budget. I explained that I would make the payment until it the card was paid off but I noticed every time I received the bill the interest kept accumulating. The bill soon went from XXXX to XXXX. Then they sent me to court for XXXX and sold the account over to a law company XXXX XXXX XXXX, again I attempted to negotiation the cost. I was in bankruptcy for five years XXXX closed XX/XX/2018 and failed to include this company for some reason. I call and made arrangements with the law company to make {$54.00} on the XXXX of every month since XX/XX/2018, but I'm beating a dead horse because they continue to accumulate interest and I'm going nowhere right now the funds has increased to XXXX. I feel that this is so very unfair to me to consider to pay this debt. I have a family and attempting to make ends meet and this debt is a issue that continues
Product: Credit reporting or other personal consumer reports

Provide any signed agreement with me and you company. You are fraudulently reporting on my credit and i ask to remove anything with my info. To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. This is a fraudulent account, and i have identity theft report and a official police report In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX
Product: Debt collection

( Sent certified letter with police report showing identity theft ) XX/XX/year>
Product: Credit card or prepaid card

Someone stole my redemption points in XXXX. XXXX still has not refunded me the money
Product: Student loan

I received a notice from XXXX that they were filing a lawsuit against me for payment. I stayed on the phone to avoid judgement and we agreed on payment terms on XXXX XXXX, 2015. On XXXX XXXX, 2015 XXXX ( representing XXXX XXXX XXXX ), XXXX sent me a agreement for a judgement stipulation eventhough we did an early intervention. 

Secondly, XXXX XXXX XXXX passed another loan to Forster and Garbus. On XXXX XXXX, 2015 I was informed by my mom that XXXX men entered her home yelling for me, and left a card. I took the time to do research to see if there was any case about me. I found Forster and Garbus. I informed Forster and Garbus I was not resident of New York and was willing ot work out a payment arrangement of {$200.00} month for 10 years. I was assured by the young lady that the attorney was going to get back to me however, no one got back to me. 
I called again, but instead I got a letter from the courts the were going to garnish my paycheck regardless of my agreement with Forster and Garbus.
Product: Student loan

On XX/XX/2023 I received a notification that my XXXX loan was approved under the Approval of Your Borrower Defense Case Under XXXX XXXX  of the XXXX XXXX XXXX Settlement. About 2 months ago, I tried calling Mohela who is my XXXXXXXX  loan servicer but could not get through. Last month I sent a letter requesting the status. I still have not heard back this has been applied to my loans. I do not want to pay interest on forgiven loans.
Product: Checking or savings account

Hello, i have s chase college student account. On Wednesday XX/XX/XXXX I deposited a check for {$19000.00} that was from the rent relief program to pay my past due rent. I deposited the check via the atm and all seemed fine. The check was also actually paid out by chase and the check was legit. Atm said funds would be available on Friday XX/XX/XXXX which they were based on my online login. I head to a branch to try and withdraw from the atm and i get declined. Tried about 3 times with no luck. Therefore i went to the teller and ask i wanted to withdraw money. I was theh told my account was restricted and to call the XXXX number which i did after a long wait, i was basically told by chase my account will be getting closed based on them thinking there fraud being committed. They never even ask to verify any transactions or anything so what gives? I neees help in getting those funds to pay my renr.