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

On XX/XX/XXXX I filed a dispute via the online portal with my bank ( Axos Bank ) for {$400.00} for an ATM transaction in which the machine did not dispense my money. 

On XX/XX/XXXX I was contacted via phone call by axos bank dispute team to collect information about the dispute. I was instructed to fill out the dispute affidavit and email it back as well as forward any helpful information that could aid in the investigation. I sent the affidavit back as well as a picture of the machine malfunction. XX/XX/XXXX I received a follow-up email stating that if the investigation could not be concluded within XXXX business days that I would receive a provisional credit for the disputed amount while they conduct their investigation. I was told I would be contacted with an update after XXXX business days On XX/XX/XXXX marks XXXX business days and I receive no credit or no follow-up email. I contact the phone line for Axos bank dispute team and kindly ask for my provisional credit and was told it would reflect in my account by the end of the business day. 

On XX/XX/XXXX I still receive no provisional credit and contact the phone line again. This time all I am told is my case is being worked on and my inquiry was forwarded to proper team. I had made a request to speak with a higher authority and was denied. I requested for an explanation as to why my consumer rights were being violated and no answer but " I advise you to just wait the 45 days sir '' is being given. 

On XX/XX/XXXX still no follow up email or provisional credit. It has been XXXX business days at this point and I believe this financial institution is flat out refusing to offer a provisional credit even though this falls under Regulation-E. I have no choice to submit my formal complaint in the hopes this is promptly handled. Any attachments provided is communication I've had regarding this dispute as well as proof to the dates that the affidavit was sent to them and the initial dispute was opened.
Product: Credit reporting or other personal consumer reports

There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name : National Credit Systems Account Date : XX/XX/ You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 
Thank you
Product: Debt collection

I emailed XXXX XXXX XXXX XXXX the first time they sent me a XXXX notification regarding a debt for a XXXX XXXX who I have no knowledge of. Now I've received a second email XXXX for this persons debt. I'm sure whoever XXXX XXXX is they would not appreciate someone else knowing of their debt. At no time is it okay to continually contact someone when you are not certain of who you are sending sensitive and private communications to. 

Communications Connected with Debt Collection 15 U.S.C. 1692b and c For communications with a consumer or third party with the collection of a debt, the term consumer is defined to include the borrowers spouse, parent ( if the borrower is a minor ), guardian, executor, or administrator CFPB Consumer Laws and Regulations FDCPA CFPB Manual V.2 ( October 2012 ) FDCPA 3 Communicating with Third Parties The only third parties that a debt collector may contact when trying to collect a debt are : The consumer. 
The consumers attorney. 
A consumer reporting agency ( if permitted by local law ). 
The creditor. 
The creditors attorney. 
The debt collectors attorney. 

The consumer or a court of competent jurisdiction may, however, give the debt collector specific permission to contact other third parties. In addition, a debt collector who is unable to locate a consumer may ask a third party for the consumers home address, telephone number, and place of employment ( location information ). 

The debt collector must give his or her name and state that he or she is confirming or correcting location information about the consumer. Unless specifically asked, the debt collector may not name the collection firm or agency or reveal that the consumer owes any debt. 

No third party may be contacted more than once unless the collector believes that the information from the first contact was wrong or incomplete and that the third party has since received better information, or unless the third party specifically requests additional contact. 

Contact with any third party by postcard, letter or telegram is allowed only if the envelope or content of the communication does not indicate the nature of the collectors business.
Product: Checking or savings account

I tried to dispute transactions that were labeled XXXX and chime declined my dispute in under XXXX minutes of me filing, and after previous attempts of informing them that they have overzealous who are abusing there power when it comes to my account chime has done nothing. Ive been threatened with account closure and more all because Ive filed disputes and showed evidence THAT I DID NOT COMPLETE THE PAYMENTS on my last dispute chime literally ignored documentation stating I was suppose to be charged only {$10.00} and they ignored it and let the merchant take {$59.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING YOU TODAY TO REQUEST REMOVAL OF MY WELLS FARGO ACCOUNT FROM THE THREE CREDIT BUREAUS, I PAID THE REMAINING BALANCE OFF AND ITS CURENTLY SHOWING {$0.00} BALANCE. I AM IN DISTRESSED BECAUSE I HAVE TRIED MULTIPLE TIMES TO HAVE IT OFF MY CREDIT FILE BECAUSE I AM IN THE PROCESS OF PURCHASING A HOME. THIS ACCOUNT IS HOLDING ME BACK FROM ACQUIRING CERTAIN QUALIFICATIONS TOWARDS THIS HOME AND I AM GETTING DISCOURAGED SINCE I'VE WORKED SO HARD AND THIS IS MY FIRST HOME. I AM PLEADING TO SEE IF YOU CAN REMOVE THIS ACCOUNT.
Product: Credit card or prepaid card

I paid off the balance of my Sam 's club Synchrony card XX/XX/XXXX and therefore had a zero balance. On XX/XX/XXXX Synchrony processed a payment for {$270.00} resulting in a overpayment of - {$270.00}. 
XX/XX/XXXX I called customer service and was not made aware of any payment hold on the {$270.00}. The representative told me she would be submitting approval for an expedited check for the overpayment. She also said I'd be receiving a call back in 2 days from a representative. I never received a call XX/XX/XXXX I called again and was not made aware of any payment hold by the Supervisor. When asked about my previous call the XXXXupervisor had no records of the representative requesting my expedited check or call back. The Supervisor said to submit bank proof the payment was taken via Sams Club Synchrony XXXX. Proof was submitted same day. I asked her to verify she received it, but was told she was unable to check while on the call. She let me know the check would go out the following day since it was pass the cut off time for the day. 
XX/XX/XXXX I called again and was put on hold for XXXX with no response. Hung up and Called again and spoke to Supervisor XXXX. He didn't make me aware of such hold until I asked about it. He also had no record of my request of overpayment from my XX/XX/XXXX phone call. He let me know the check had still not been issued. He put in a request to have the check issued and let me know it wouldn't be sent till Monday because of cut off time. 

I should not have to call 4 times to resolve an issue with this company. I should have my request done the first time I ask and not be lied to. Synchrony should have never processed the payment with a zero balance on the account. I should not be deceived by their call representatives just to get me off the phone. These are deceptive and unlawful practices to prevent me from receiving overpayment funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau Experian several times via certified mail, where I obtained my receipts of the failed attempts to resolve this issue. I have download & printed a copy of the credit report that shows illegal under the FCRA of reporting the same debt multiple times by different companies whom are using the address & phone. XXXX XXXX shows twice on my credit report & XXXX XXXX XXXX all for the same amount {$850.00}. Its the against the law of this reporting. Experian responded back with a letter that clearly shows proper investigation isn't being made.
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.

Convergent Account # XXXX, XXXX, have 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: Mortgage

Loan servicing company, Loan Care on behalf of XXXX XXXX Bank, has experienced a cyber security attack and did not contact me to address the issue, still haven't. The only way we can make payment is via mailed check and the last time I did that, it took XXXX for them to post payment which resulted in me having to make XXXX mortgage payments in 1 month to avoid default. There are thousands of people affected this at the moment and we have no options to make our mortgage payments. No one with Loan Care will answer the phone and the banks it services can not help either.
Product: Debt collection

I was contacted by XXXX XXXX on XX/XX/XXXX at XXXX XXXX. He claimed to be a process server engaged by LPS. He said that I needed to call them ASAP or he would serve me papers. XXXX also called my parents at their home. He was calling from a blocked number, but gave me the number XXXX XXXX XXXX XXXX to contact LPS. I called the number and found out that LPS is Lakefront Processing Solutions. They said that I owed {$450.00} on a payday loan taken out with XXXX XXXX XXXX on or about XX/XX/XXXX that I ned repaid. This sounded incorrect to me, but I gave them a credit card number that I knew would let me dispute the charge and paid the balance with the intention of doing more research when I got home that evening. When I looked into the payday loan, I verified that I did not take a payday loan out and that XXXX XXXX XXXX was most likely not a real company. I called LPS back to discuss and was placed on hold and sent to various voicemail inboxes. Eventually, after several calls from me, they gave me the phone number for XXXX XXXX XXXX. They mailed me a debt verification form ( attached ), but it provided no additional information was very vague. It was also a basic word document form. I disputed the charge with my credit card, changed my card number, and received my money back. On XXXX at XXXX I received a call from XXXX XXXX stating that he had received my file again and would serve me papers in XXXX minutes if I did not resolve the issue with LPS. I called LPS and spoke with XXXX XXXX. I asked for the bank account number that payments had been attempted from and was given the last XXXX digits of XXXX. This is not my bank account nor has it ever been my bank account. I also checked my bank account to make sure that there were no charges coming in or out from XXXX XXXX XXXX. Nothing. No payday loans at all. I am not sure if this is a legitimate debt collector seeking payment for a fraudulent debt or a fraudulent debt collector. Either way I am sure that I do not owe this money and will dispute this debt. LPS has an old address for me, as well as my social security number and former employer 's information.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has violated my Consumer Rights.

- 15 U.S. Code 1681a ( 4 ) : Consumer Right to Privacy -15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) : Obligations with respect to disclosures of personal information. I was not made aware of my right to OPT OUT of my information being shared.

- U.S. Code 1681b : Permissible Purpose of Consumer Reports -FDCPA 8012 : Furnishing Deceptive Forms : furnishing inaccurate inquiries and accounts
Product: Mortgage

Upon my husbands released from the XXXX hospital down in XXXX XXXX for XXXX XXXX XXXX symptoms are hardship has been throughout the month of the year in XXXX. I sign up to have my loan my mortgage loan put on a modification, which it was a three month modification trial. Before we can start a mitigation, lost mitigation due to XXXX XXXX XXXXXXXX prepaid card that weve been on through XXXX or through XXXX somebody had fraudulently use the card and took out all the money in the bank now that put us in for our last payment, we defaulted in XXXX not because we didnt have it, but because somebody took it out of our bank account, which is leaving us now into it like an open area basically for any foreclosure. What can we do to stop this prevent this maybe look at another avenue weve lived in this house for six years when we want to keep it. Its our home.
Product: Student loan

To Whom it May Concern, My name is  XXXX   XXXX , I have been pay Navient ( formerly  XXXX   XXXX  ) for several years and I was placed in forbearance on several occasions until I found out about an income sensitive repayment plan. However, with this plan, the payments I submit to  Navient  are not going towards the principle of my loan. I initially owed Navient $  XXXX , now I am up to $  XXXX  and I pay on my account monthly with no delinquencies. I would like to have a loan forgiveness with Navient however, I was never offered this type of service. In addition to lowering my payments with part of the money going towards the principle of my account, I want to be included in the  Class Action Law Suit  against them for unfair practices and not allowing and giving adequate options to repay my loans to where I have seen progress with them. If you have any questions, please do n't hesitate to email me or contact me :  XXXX  XXXX  XXXX ,  XXXX .   Sincerely,  XXXX   XXXX
Product: Credit reporting

Bankruptcy ( according to Equifax 's website ) A bankruptcy under chapter XXXX or XXXX or a non-discharged or dismissed chapter XXXX bankruptcy generally remains on your credit file for XXXX years from the date filed. 
A discharged chapter XXXX bankruptcy generally remains on your credit file for seven years from the date filed. 

***I have a Chapter XXXX bankruptcy that was filed in XXXX and was dismissed in order to convert it to a Chapter XXXX bankruptcy ( at the advise of the bankruptcy attorney ). The Chapter XXXX was filed in XXXX and is discharged. This Chapter XXXX bankruptcy was dismissed in XXXX in order to convert it to a Chapter XXXX in XXXX ( within weeks of the dismissal date ). You can see the dates line up. This is a discharged bankruptcy that was tied together. There are notes in the public records that state I was in a Chapter XXXX and went to a Chapter XXXX. I can provide the document from the court that notes my repeat filing of a XXXX XXXX to a Chapter XXXX.
Product: Mortgage

Company voluntarily declined to produce monthly loan statements. Voluntarily aborted our auto-withdraw process, then shuttered the bank branches and failed to open their mail in a timely fashion to process the checks we mailed them. Then they misapplied our funds in cockamamie ways to disguise their misfeasance. Either XXXX  criminal or criminally XXXX. You guys need to send this on to the Federal Reserve, the Comptroller of the Currency and the FDIC. Please yank their license to do further harm while pretending to be bankers and loan servicers.
Product: Credit card

XX/XX/XXXX and XXXX my wallet was taken from me and charges were put on 4 of my credit cards. American Express Has XXXX dollars of fraud on this account. They said i would have to pay for these charges since there is not enough evidence of fraud. I did not authorize these charges. XXXX  is the creditor that charged my card. would like these charges dismissed.
Product: Checking or savings account

My account at navy federal Credit Union is being blocked. They said they received an order from child support to do so. I informed them that my daughter was deceased and I have a court order of the case termination. I also informed them that I have a satisfaction of judgement from the deputy commissioner. They told me I have to work it out with child support. This has placed me in a hardship not having access to my funds. I am retired and live alone. I am contacting the CFPB to request my account be released. If proof of the court order and satisfaction of judgement is needed I can provide that. It has been over 2 weeks and my bills as well as my accounts are being delinquent and the gas to my home was recently shut off for a week now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Someone had used my bank information to login to my credit reports within the last three days and they used my debit cards as well. 

I have received these notices and the charges to my cards since last Friday. Not sure who or how these has been happening. 
I have never requested or access the reports recently or paid to process the reports, not last month. 

" Your payment failed to process Dear XXXX, We were unable to process your last payment. Another attempt will be made to charge your payment method on file. If payment is unable to be collected it will eventually result in your product being cancelled. 

To update your payment information, click here or navigate to the billing tab under XXXXMy Account ' in your member center. '' XXXX XXXX XXXX XXXX XXXX Equifax Global Consumer Solutions XXXX XXXX XXXX XXXX, GA XXXX For help or support, contact the Customer Care team at XXXX. Customer Care is available between XXXX XXXX  and XXXX XXXX  ET, Mon-Fri ; XXXX XXXX  and XXXX XXXX  ET, XXXX.
Product: Vehicle loan or lease

On XX/XX/2019 my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/2019 I signed up for XXXX XXXX because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.
Product: Debt collection

My wages started getting garnished without any notice whatsoever. No voicemails, no letters in the mail, nothing. Then out of nowhere they started taking hundreds of dollars out of my account every week. I never looked at my paystubs because they come in the mail, I just look at my bank app to see what was deposited. I took my short check issue to my supervisor because I thought they had messed up the payroll. When i opened my pay stub for the first time I had already paid almost XXXX dollars in a matter of weeks. I called them to try and work out a payment plan and they told me its already too late. Told them if this goes on for 3 months ill lose my house because I can not afford XXXX a month. " Still nothing we can do sorry '' only documentation I have of this garnishment is from my employer XX/XX/21 I didn't get the letter until the beginning of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received a letter from Experian showing that they were unable to honor my request because I did not provide them sufficient information. However, I sent them all the supporting documents that are required in order to submit a dispute. According to the response from the last complaint I submitted, they asked for verification of my identity to To process my dispute. I am exasperated because I have tried to resolve this on many occasions, and it is apparent that they are neglecting my request. The account, XXXX XXXX XXXX, is being negatively reported and STILL contains miss leading information. Attached are the documents that I sent them which include my current proof of address and identification.
Product: Checking or savings account

On XX/XX/XXXX of 2024, I discovered my business debit card was missing from my wallet, where I usually keep it. I never allow this card out of my sight and no one has access to it, except me. It appears that someone whom I do not know deposited multiple checks at an ATM machine located at XXXX XXXX XXXX XXXX in XXXX, IL. I have never in my life been to XXXX, IL, so how could I make a deposit or multiple deposits there ( and why would I? ). Upon further investigation, I looked to see the copies of these checks that were deposited ( there was a total of 4 deposits that amounted a grand total of : {$1000.00} ( {$300.00}, {$300.00}, {$180.00}, {$280.00} ) Three of the deposits were check deposits, however, they appear to be checks from the state of Illinois ( tax return checks of some sort ), and all of the names on the checks are different ... How could Chase Bank even let this happen? I have no idea what is going on here, and I am TERRIFIED more so now than ever, as Chase bank is now demanding a police report in order to clear MY name. Shortly after these " deposits '' were made by an unknown party who must have my stolen debit card up to this point, there was a series of ATM Withdrawals ( 7 to be exact ) done at XXXX XXXX XXXX, per the information within my ledger online, and another large withdrawal of {$400.00}, which was done through a XXXX program ; It appears that money was sent to XXXX, whomever that may be. This is all of the information up to this point in time that I have. So, Chase in fact refunded my money to me, but then took it back a second time and Is basically holding my money hostage, hence I did not participate in this crime or whatever the person who has my debit card is involved in.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX