23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : SYNCB | XX/XX/XXXX XXXX/XXXX | XX/XX/XXXX XXXX/XXXX  | XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  | XX/XX/XXXX XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX  XXXX  XXXX | XX/XX/XXXX These are illegal inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

The current standing of the Federal student loan at XXXX XXXX is listed as open with a balance of roughly {$12000.00} on my experian credit report. The loan was transferred from XXXX XXXX to XXXX XXXX and was forgiven through the Federal student loan forgiveness program. The XXXX XXXX correctly indicates that the loan balance is {$0.00}. The XXXX XXXX account still shows the loans carrying a balance. 

I initiated disputes at Experian with accompanying paperwork showing the loan balance at XXXX XXXX in XXXX and XXXX of XXXX. No action was taken to clarify the Dispute. I also contacted XXXXXXXX XXXX on XX/XX/XXXX with the following : " From : XXXX Sent : Thu XX/XX/XXXX XXXX XXXX ( Eastern Daylight Time ) To : XXXX Subject : Other XXXX XXXX My loans were transferred and closed at XXXX XXXX XXXX to Federal Student Aid for forgiveness, but on my Experian and XXXX credit report the XXXX XXXX  loans are not marked as closed. The last update was XXXX of XXXX. 

Please report these loans as closed to All credit reporting agencies As soon as possible, to avoid future legal action. 

Best Regards, XXXX '' the response was as follows : " On Tue, XX/XX/XXXX at XXXXXXXX XXXX XXXX wrote : Hello XXXX, Thank you for contacting XXXX XXXX. We apologize for any inconvenience this may cause. The U.S. Department of Education has changed the process of credit reporting when your account is transferred between federal student loan servicers. We will no longer close the current tradeline for your federal student loans, instead, the credit reporting file is now transferred to your new federal student loan servicer. Your account was transferred to the Public Service Loan Forgiveness processor on XX/XX/XXXX, and they would have received your credit reporting file within 90 days of your transfer. Please contact XXXX directly for further assistance. 

Thank you, XXXX XXXX XXXX We value your opinion and want to know how we can improve your email experience. Please take a minute and provide us with your feedback by clicking on this short survey. 
https : //Edfinancial.com/emailsurvey '' I responded on XX/XX/XXXX : " From : XXXX Date : Tue, XX/XX/XXXX at XXXXXXXX XXXX Subject : Re : XXXX To : XXXX Hello XXXX, The loans were transferred, but there is no indication on my credit report that they were transferred from you to the other vendor. So it looks like the loans are still open at XXXX XXXX. There has to be another step to document the transfer of the loans and subsequent XXXX balance owed to XXXX XXXX. Otherwise it looks like I still owe XXXX XXXX $ XXXX even though the loan is closed and forgiven at XXXX. This needs to be escalated to management for review. 

Thanks XXXX '' No response has been received from XXXX at this time, additionally the disputes at Experian were not successful, thus the loans still show the {$12000.00} is owed to XXXX when there is a {$0.00} balance.
Product: Checking or savings account

I went online to open an account with US Bank. Their response was, we will review your application. I responded to their email and told them to cancel my request for an account.The next day, they took money from my account. They have not reversed it.I want my money back in my account immediately.I attempted to contact them by phone, they dont answer.I have attempted several times.
Product: Debt collection

I am reporting this company because I noticed on my credit reports, that they have reported a debt of {$250.00} owed to them or someone named XXXX XXXX??? I am telling you right now I DO NOT KNOW EITHER OF THESE COMPANIES, NOR HAVE I EVER HAD ANY DEALINGS WITH EITHER. I do not know why I am being blamed for owing them {$250.00}, but I can assure you, it is a fraudulent debt. Most likely due to identity theft because Ive had my information compromised as a lot of my personal information in my wallet was stolen many months ago, and so Ive been dealing with the ramifications of that. Ive asked this company for proof to show I owe this debt, and they never responded in the allotted time. Per advice by my attorney, I am offering this final chance for this company to make this right, as I do not have to do that, and could easily commence litigation against them and anyone they are lobbying for. But this is your chance to rectify this situation. Delete this fraudulent trade line from all of my credit reports ( XXXX, XXXX, & XXXX ) IMMEDIATELY!!! Or be faced with litigation and be sued to the fullest extent of the law applicable.
Product: Money transfer, virtual currency, or money service

I bought {$80.00} USD worth of cryptocurrency through Binance.us and made about {$250.00}. However Binance has locked my account due to " risk management '' and have not responded to my countless emails or direct messages through twitter.. which are the only two forms of communication that they offer. It has been over 2 months and still no answer and still my account is frozen. They are thieves.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against I C SYSTEM Agency for their violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ).

I have not received any validation information regarding a debt allegedly owed to I C SYSTEM, as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, I C SYSTEM has placed a collection on my consumer report without providing me the opportunity to dispute the account, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

Furthermore, I C SYSTEM has engaged in false, misleading, and deceptive practices. They have furnished information to consumer reporting agencies without providing the necessary disclosures required by law, in clear violation of 12 CFR 1006.344 ( d ) and 15 U.S.C. 1681-s 2 ( 7 ) ( A ).

I am disputing any and all debts owed to I C SYSTEM and revoking their right to communicate with me via email, text, or phone calls. I am requesting the following : Debt Validation and Verification : Please provide me with proof of the debt, including the original contract, statements, and any supporting documentation.

Purchase Agreement : Please furnish a copy of the purchase agreement between I C SYSTEM and the original creditor.

Licensing and Bonding : Please provide proof that I C SYSTEM is licensed and bonded to operate as a debt collection agency.

I am requesting that the CFPB investigate I C SYSTEM 's actions and take appropriate measures to protect my consumer rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX, I received a notification from both XXXX XXXX and XXXX whom I use credit monitoring services. Both services notified me that a late payment was attached to my account from XXXX XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX stated I was {$130.00} past due which is inaccurate. 

I have had a car loan with XXXX XXXXXXXX XXXX since XX/XX/XXXX, which at the time of writing this I have made XXXX payments on time. My payments are due on the XXXX of every single month so I make sure that I dont process a payment more than 30 calendar days past that. XX/XX/XXXX, I made a payment through XXXX XXXXXXXX XXXX customer portal as I always do. Even though I attempted to make the payment they would not allow my payment to process until XXXX days later ( XX/XX/XXXX ) not removing the funds from my account until XX/XX/XXXX. Because of this timeline they reported my account as past 30 days late even though I at least attempted to pay my account within the 30 calendar days they just took XXXX days to process this which is out of my control. This dropped my score from a XXXX to a XXXX which is completely unacceptable. I contacted XXXX to resolve this on XX/XX/XXXX at XXXX and spoke to a woman named XXXX XXXX She explained that there was nothing they could do and that I would have to file a dispute with the credit bureaus and then they would contact them for an investigation into the matter. Now I know that is everything but the truth because XXXX XXXX XXXX is my direct lender and they have access to every single phone call, payment transaction, reporting and everything else related to my account which is why both XXXX XXXX and CFPB both asked did I contact my lender to resolve this. I did contact them and she did not want to do her job even after taking my social security number to pull up my account. My hope was to have forgiveness for a honest mistake considering I have never been late with them. My assumption is because it was XXXX XXXX XXXX they would not process my payment until XX/XX/XXXX because it was a federal holiday and they were closed. Again, this is my assumption because nothing was explained to me not so much as even a courtesy phone call to let me know that I was coming close to when theyd stop payments because of the holiday. As a consumer how am I supposed to know what they are going to process or not process according to their own business schedule when my expectation is to have my 30 calendar days which I have always received from other financial institutions. I am going to file a dispute with the credit bureaus today but I also want this investigated into by the CFPB.
Product: Debt collection

I have received several calls on my cell phone and at my work number from XXXX, with messages stating that a complaint has been filed with their company, Premier Recovery Group, under my name and social security number. I returned the call, using my personal cell phone, at XXXX XXXX. on Thursday, XXXX/XXXX/2015. I spoke with XXXX XXXX XXXX. I asked for a debt validation letter be sent to my home address, and I told her that they are not to contact me at work. XXXX XXXX said, " We 'll continue to contact you as long as you owe this debt. '' Then, XXXX XXXX hung up on me. I received another call today, Friday, XXXX XXXX, 2015, at XXXX XXXX from the same XXXX number, with the same message, at work, even though I instructed XXXX XXXX the day before not to contact me at work.
Product: Checking or savings account

Citi Bank Chat Dose not Work Citi Bank chat support worked 3 months and Now i can type in chat box until CITI BANK chat conects then I can no longer type words the CITI CHAT agent asks are you still there and CHAT WORKER close the Chat session becuse I cant Respond Im XXXX and dont use a Phone Citi Bank has no Online Email Writing this Complaignt im on Hold and Hour and never can talk to CITI BANK Support Im often a XXXX  living in a Forign country and the Only way to call and American Bank is With a International Long distance CELL Phone cost about {$4000.00} a Year CALLING from another Country CITI BANK puts me on hold 2 hours Could COST Hundreds of Dollers Per Phone Call I Lived in XXXX XXXX XXXX and opened and American CITI BANK acount and sucesfully USED my CITI BANK ATM CARD fore about 6 months then my 1st time Using CITI chat FROZE my acount and said call citi bank two Reopen acount and CITI Bank i plan two buy a house and close citi bank account by linking my other bank = citi bank should only be able two send money two my other bank i explian two citi bank phone support tranfer me two a supervisor im on hold a long time and eventually hang up and call citi bank agin IM VERRY UNHAPPY THAT CITI BANK CAN TAKE MONEY OUT OF MY OTHER BANK I should Log Into My Other BANK and SEND MONEY to CITI BANK from my other BANK
Product: Vehicle loan or lease

I have a 48 month lease with US Bank on a brand new XXXX I am selling my to a private party ( Lease is 5 months old ). Us Bank will not give me the payoff without the taxes included, and will not release the Title unless the taxes are paid at time of payoff to them.

This is ILLEGAL in the state of California via XXXX XXXX and XXXX in addition to publication 34. It states I have 10 days to transfer Title to a 3rd party who is responsible for paying the taxes. In addition to being illegal, I am selling the vehicle for less than I owe which means I am responsible for more tax than is actually owed at the time of sale to a 3rd party. I have stated this to US Bank and they told me tough luck.
Product: Checking or savings account

My bank of America tons of phone calls went into the branch to fax necessary paperwork to submit a claim reg a check to XXXX .they did the check electronicly and then ran it as a paper check. I was not aware until I looked at my acct. Dated on XX/XX/2018.bank gave me tenp credit and then removed it 0n XX/XX/XXXX. I had faxed sent to the bank the required affidavit they needed.truly been a nightmare. Nothing is being done .they keep lieing to me over and over again. I need some help with this asap please. I had the branch managers doing it for me. They claimed they never received it. Also constantly being told wrong info and sent to wrong depts over and over again. I need this credit of XXXX plus any additional fees to be credited back to my account. Even being hung up and disconnected all the time. Really getting sick of this. Service is horrible.very disappointed.of Bank of America. I even had to overdraw my acct to get access to funds.etc.
Product: Credit reporting

I bought a Truck in XXXX and my score was XXXX and had been that for about a year. On XXXX XXXX my score went down XXXX points and on XXXX XXXX it went down another XXXX points and no one can explain why or have a good reason for the XXXX point drop. The service reps keep trying to sell me the monitoring program and it would not have helped at all. Why did my score drop so drasticly.
Product: Checking or savings account

I opened a Bank of America XXXX XXXX account before the coronavirus pandemic and everything was fine in my account but I lost a lot of income and I find that this bank is taking advantage of a XXXX XXXX that struggling they are holding my checks for longer periods and leadtimes causing me extreme overdraft fees and refused to help me or give me any of my money back they said I already got three fees back but that was due to unknown charges when I first opened my account it has nothing to do with the pandemic or my struggling to pay my bills. I called them multiple times and asked them to escalate my situation but they refused to help me and keep giving me the runaround. They have no compassion and even if the check is a Bank of America check they hold it for extra long times and they said its because of my balance and they can change the whole time anytime they want I have incurred so many fees due to the pandemic and they refused to help me either Im so upset and I dont know what to do I can not get ahead with all of the fees that they put in my account I deposited a {$8000.00} check that I needed to pay my rent and my bills for my XXXX and theyve already taken money for fees while holding the check I need someone to help me and speak for me as a XXXX XXXX XXXX. All I want is al the fees back but they will not be work with me at all even though I told them I am struggling from no fault of my own.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The beginning and current balaces due for US Auto XXXX are incorrect. The lendor is showing an original loan amount of XXXX. This amount is incorrect. The XXXX is not correct amount loaned at the time of purchase. The amount shown is the base purchase price for the vehicle and not the entire loan amount which included Taxes, Warranties, Insurance and original down payment. Also the current balance shown dies not reflect the correct balance as XX/XX/2019.
Product: Mortgage

My complaint is that I contacted Chase Mortgage in XXXX XXXX requesting that my property taxes be paid from my escrow account which had sufficient funds to cover these costs as the escrow account was setup with my Chase Mortgage broker when I acquired my mortgage through Chase. I was told that the property taxes would be paid from my escrow account by Chase. This payment did not occur and a late penalty was charged to me. I contacted Chase about this in XXXX XXXX and then they said that they do not pay XXXX XXXX County property taxes even though they had set these funds aside for me in my escrow account they manage. After several phone calls and the fax I sent to Chase dated XXXX/XXXX/XXXX I received a letter dated XXXX/XXXX/XXXX saying that they paid the taxes. I authorized them to pay the taxes with the understanding that Chase would pay the penalty fee since the lateness was due to their stating that they would pay the taxes from my account and they did not pay them. They deducted the late fee from my account.What really irks me is the consumer deception on Chase 's part. I received the letter dated XXXX/XXXX/XXXX from Chase saying that they have now made a " courtesy payment '' and paid the taxes. It took me some time to figure out that they withdrew from my account the taxes I authorized them to pay but that they also took from my account the penalty that I did not authorize them to pay from my account. The letter hid this information from me with what I believe an attempt to deceive me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I filed for bankruptcy.In Early XX/XX/XXXX, I disputed the bankruptcy on all credit reports to have it removed because of the 10 year is over.Equifax sent me the results from the dispute confirmation # XXXX stating " The disputed item is not currently reporting on the Equifax credit file.Public Record : Bankruptcy '' .On XX/XX/XXXX, I received a personal loan offer via US Mail from XXXX XXXX loan offer up to XXXX XX/XX/XXXX, I applied online for the XXXX XXXX offer for XXXX, pulling a soft credit pull.After applying online, I was denied approval.Minutes later, I received a Quote decision via email stating " you did not meet minimum credit score '' .The quote Decision listed my credit score at XXXX.I decided to call the number listed on the XXXX XXXX quote Decision and spoke to XXXX XXXX XXXX ) at XXXX on XXXXShe asked for my SSN number to look up information.XXXX stated to me that my credit score is XXXX and to be considered for a loan, it should be at least XXXX or more.I also asked XXXX, what does the Derogatory public record or collection mean.XXXX stated it generally means bankruptcy.After that conversation, I logged onto Equifax at www.equifax.com.As soon as I logged on, the first page shows credit score of XXXX ( good ) and was updated on XXXXAfter looking at that page, I clicked on to public records and it still shows Bankruptcy.Because of Exquifaxs not removing the Bankruptcy, I was denied credit/loan.Also, Because of the difference in credit scores, I was denied credit/loan.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries XXXX 


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: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX HIXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$4100.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$22000.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} Late/Open Inquiries in DIspute : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are creditors on my report that aren't mine. Please remove them.
Product: Debt collection

XXXX XXXX XXXX of XXXX XXXX XXXX repeatedly calls multiple times a day. This is over an alleged debt from XX/XX/XXXX in which I do not recall having this credit card at all. Firstly, I do not believe this to be a debt I owe. Secondly, it would be way past the statute of limitations to collect anyway. I have conveyed these points to XXXX XXXX, to which he has talked over me and insisted that I explain to him my personal activities over the past 10 years and that I need to pay him today. The most recent phone call to which this conversation was had was today, XX/XX/XXXX. Please find below a list of dates and times he has called as of late and that is just what we can prove for this week. We anticipate there will be more. 

XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX