23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Truist bank formally Suntrust received monies to pay off a HELOC account from a refinance. The monies were received over two weeks ago and cashed ( I have a copy of the cashed check back and front ) over week ago and the cash is still not showing on my account looking like I still owe them money. Despite numerous calls to customer service it is not resolved. I need to know where the money was deposited
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$28000.00}
Product: Credit card or prepaid card

this is about t he 100th comp laint about discover i am requesting arbitraiton at their expense as i am alleging disciminatory practices with me. This is the last straw. I am tired of being tracked to superivsors told i have no balance upon which interest is being billed only to get a bill of interest and other.I was told AFTER discover reported me to credit i could get a promo no interest on my card someone would call. Now i am told there is none. This is liken to a predatory loan practice wherein i am being tracked, bulled and being difficult / Bottom line with my overall financial situation i have many legal remeides available. I wont be bullied anymore. I want the promotion. My choice has been to not pay the bill then they report me to credit reporting but the promo of no interest i request is ignored. All CFPB has done is watch my complaints be sent to th e SAME P erson  XXXX   XXXX  who now leaves his name off but still is the sole decision makee who stone walls all my concerns. resulting int he end of 26 YEAR RELATIONSHIP. I will go to court, do what it takes as i currently seek out legal counsel but i will not pay interest be treated differnetly than others, nd be treated as my other complaint indicates like a career disputer. I disputed something and i am treated differently. difficult like i am making it up. I will not stop pursuing no interest on my cards promos there must be. I wont pay interest and i wont have my choice be worse or worser that is pay it becuase dsicover is being difficult or be reported. DO NOT MISSTATE as you have before  XXXX   XXXX  my concerns. I request the person who responds name himself or herself and assist me failrly or i will proceed to protect my consumer rights. No itnerest is being paid on  XXXX  on  XXXX  i was told months ago no interest. all is paid which appears to have been inaccurate. there is no money and no way i will pay these fees. i demand to be treated fairly. if on   XX/XX/XXXX  when i paid  XXXX  i was told there would be asomeone calling me to offer a promo no interest it never happened. i demand it. and will not stop til i get it. if it mea ns ourt so be it. Discover is  prompt in reporting a long good customer who they have totally alienated to credit when i refused to pay  XXXX  but they wont offer me a promo of no interest. then i will file a lawsuit. but i wont be bullied, discriminated against which i am alleging based on the fact that NO issue has been resolved fairly by an unbiased party yet. Arbitration please or court. Whoever answers this MUST id himself. not   XXXX   XXXX   who seems to mis state my concerns, send what i dont ask for etc. I want what i was told i would get or i want arbitration. then i want ouf of there. I want CFPB to note the concerns have never been resolved and i am absolutely alleging bullying. i have not used any of my cards in months and dont intend to. I would have to be reimbursed my time and upset for how i have been treated. bill interest all you want i want promotions of no interest
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX}
Product: Debt collection

I have been called and emailed several times by a collection company Allegiance Accounting Services an Outsourcing of Legal Service of XXXX XXXX County. A representative of this company XXXX XXXX stated, that I could be arrested for check fraud. The caller, stated that I had made 17 payments to XXXX XXXX and had stop paying for some reason. I stopped the caller and informed her that the debt is part of an active bankruptcy and she is violating the stay. She stated that it wasnt part of a bankruptcy and refused to take the case number. She stated that a process server would come to my house tomorrow at XXXX. Then hung-up. I have a voice message which she left on my phone and emails from various scams. I concern because they are in possession of many important aspects of my identity.
Product: Mortgage

I mail payments to my local First National Bank branch to pay my HELOC second mortgage. In both XXXX and XXXX the check cleared but the payment did not appear on my statement. I caught the mistake reviewing my statement and called the branch. They told me that the payment had been misapplied and the problem has been fixed. 

This happened a total of four times in 2016. 

I 've had to go through the process of notifying the branch of their mistake each time.
Product: Money transfer, virtual currency, or money service

On XXXX of XXXX, I received a call from XXXX XXXX XXXX stating that my account was compromised and someone was using my card at a XXXX in Minnesota. I immediately, opened my account and found a charge on my account from a XXXX. I also received a written notification stating if this was a fraudulent transaction which I replied yes. The agent stated that were sending me a code to verify my identity to my phone and provided the code. They proceded to tell me that I had wire transfers coming out of my account going to a XXXX XXXX in Minnesota. They stated that the have attempted several wires and that XXXX had gone through and they were attempting blocking them and contacting the bank. They confirmed my address, my ATM card number, my phone number, they had all my information and just confirmed it with me. The call sound as if it was being recorded. They stated that will contact me again as the case developed. 
I received a call next day again from the Chase Fraud Dept with information on the wires from the previous day. contact with bank was done and working on the refund back to my account. Again they sent a code to my phone that I gave them. After that call I proceeded to go to the bank directly to find out what was going on and that is when I figure out that it was a scam. They retired XXXX wires from account for a total of XXXX from the account. The bank is denying my claim stating that I benefited from these transactions which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft my information was leaked on the dark web by XXXX Im in the process of going through arbitration, my information has been compromised and used to establish fraudulent accounts in my name, I want this account with XXXX XXXX removed from my credit report, or I will seek arbitration to recover damages from this account being open, all my identifying information has been leaked I can provide evidence of that data breach and my information being compromised, example the IRS now considers me a victim of identity theft because someone tried to file a fraudulent tax return in my name try to defraud the government out of thousands of dollars to also show you i filed a police report against XXXX XXXX also because Im identifying information was used to open accounts in my name and a detective guy said numerous accounts were open im just showing you that I am in fact a victim of identity theft .experian please remove these accounts, i have sent a police report showing I am a victim of identity theft, i have now started arbitration against XXXX XXXX and XXXX for compromising my information im sending attachments so you can see I have did my diligence with this situation im also up loading a letter from thf IRS letting me know that I am a victim of identity theft someone tried in XXXX of 2022 to file a fraudulent tax return and tried to defraud the government out of thousands of dollars now I have to use identity theft pin so when I file taxes I have to use that pin so I can identify myself, please remove these accounts XXXX XXXX from my file , Im also showing I have demand for arbitration against XXXX for compromising my information and leaking it on the dark web .my information is on the dark web I can not get that information back and now Im suing XXXX  because my information has been used to open and establish fraudulent accounts in my name .please remove XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened on XX/XX/XXXX and debited from my checking account on XX/XX/XXXX. This was the date I became aware of the account. I contacted XXXX and was told they couldn't find my account. I went into my bank on XX/XX/XXXX and cancelled my checking account by having it switched to a new account and account number. The transaction was an ACH debit. 

I filed the FTC identity theft report online and mailed it and additional info to XXXX at the XXXX XXXX, New York address as well as the XXXX Utah address listed under disputes. I also contacted the three major bureaus by phone, online and by mail with corresponding information.

I didn't have any progress so I filed a XXXX report around XX/XX/XXXX. 

I've also worked with my XXXX XXXX XXXX / Experian team to correct this problem. My credit dispute came back as the account stays on. 

My credit score has suffered and I am in the process of procuring a loan. The fraudulent XXXX  account is hurting me because it shows up as a new account and raises my credit utilization. 

I've provided all the necessary info to the lender requested on the fraudulent account and it has not been removed. 

They made it easy to open a fake account but difficult for me to remove.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified Account Account Name : XXXX XXXX XXXX XXXX .Type : COLLECTION Date Opened XXXX Balance : { {$49.00} } and Unverified Account Name : XXXX XXXX XXXX COLLECTION Date Opened : XX/XX/2020 Balance : { {$100.00} } Please be advised I have requested validation over 30 days { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. HIPPA is the Health Insurance Portability and Accountability Act. This privacy rule mandates that personal medical information may not be shared unless there is permissible reason for doing so. HIPPA laws do not allow health care providers to share medical files without consent under a HIPPA release. HIPPA release only allows the sharing of medical files with other medical professionals, not 3rd party collectors. HIPPA extends to credit reporting agencies and collection agencies as well. XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient is calling me to ask about my daughter here she is. I get calls from Navient a least XXXX times per day. Navient is calling me my son my ex-husband asking about my Daughter we don't know she is. She has not talked to us for a least XXXX years. How do I spot getting calls from XXXX? This is been going on for about XXXX year. 
Please help. 
Thank you
Product: Credit reporting or other personal consumer reports

XX/XX/2021 To whom it may concern : I, have tried on numerous occasions to correct the incorrect discrepancies on my credit report that are older than XXXX  years and/or incorrect data. I have attempted via online dispute ( s ) and direct contact ( s ) with your company to correct the data.

I am attempting once again to contact a dispute supervisor in order to remove the incorrect information from my report that is older than seven years old and/or incorrect as the Federal Law mandates www.consumerfinance.gov/learnmore. 
I am currently unable to obtain safe and secure housing due to the incorrect data on my report, which deprives me of my Fifth Amendment. 
The following apartment had/have several XXXX  department city and county violations of inhabitable conditions within XXXX XXXX XXXX Texas. The violations are numerous and very grossly like a third world country. I have made several attempts to contact this slumlord with no avail. 

XXXX. XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Appointments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX Phone : XXXX XXXX. CODE XXXX XXXXXXXX XXXX XXXX Phone : XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX The above apartments had/has several XXXX  department city violations of inhabitable conditions within XXXX XXXX XXXX XXXX XXXX XXXX Texas. The violations are too numerous and very grossly like a third world country. I have made several attempts to contact this slumlord and removing the item from my credit report with no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please re-investigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am formally requesting to remove or update the following Accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX Balance Owed : {$8400.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I was Notified that my information was leaked into several companies such as XXXX XXXX and XXXX ( FDCPA ) 15 U.S.C1681 EB.I have inquires on my credit report that needs to be deleted off that I am not associated with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like to have these items investigated and removed from my credit report
Product: Mortgage

XXXX we submitted a loan application- they messed up on the application. we re submitted another application, after waiting 3 weeks we were notified they lost our application. we refiled another application another 40 days we have now been notified they are not putting the loan through. the advised us not to pay things have have finacially put us in a bind.This was through XXXX XXXX at Churchill mortgage in XXXX michiga
Product: Credit reporting or other personal consumer reports

XX/XX/, I was received an alert from XXXX about a new inquiry created in name and I did not recognize it or gave authorisation to it, I could see a contact information about Capital One Bank, so I called to report it as a fraud, in the past I got robed and lost all my personal virtual informations via my phone, I lost also my Debit and Credit card, the thief got me out in XXXX account and my Bank account, so recently he tried to use my identity to create a credit card on my name, so I reported this situation to XXXX XXXX XXXX, they advise me to report it to FTC in order to move out the inquiry because it can affect my credit, so I'm here to claim your help about saving my credit please.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} Lates : XX/XX/year> XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$90.00} XXXX XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : $ {$1600.00} XXXX XXXX XXXX Balance : $ {$90.00} XXXX XXXX XXXX Balance : {$73.00}
Product: Debt collection

Hunter Warfield calls me at XXXX several times a day every day from XXXX. They ask for me then transfer me to someone who threatens me about delinquent debt. They refuse to stop calling me. They refuse to provide proof of debt. Instead they just keep harassing me.
Product: Credit card or prepaid card

We have had an XXXX XXXX XXXX credit card issued by Bank of America ( BofA ) for the past 5 years. In XXXX of each year, BofA assesses a {$75.00} annual fee for the use of this credit card. One of the benefits provided in return for this fee is, " Purchase Benefits, '' which includes purchase security and warranty manager service. Warranty manager service includes, " Extended warranty protection. '' Extended warranty protection is described in the Cardholder Benefits Guide and states, " Extended Warranty Protection doubles the time period of the original manufacturer 's written U.S. repair warranty up to one ( 1 ) additional year on eligible warranties of three ( 3 ) years or less for items purchased entirely with your eligible card. '' On XX/XX/XXXX we used our BofA credit card to purchase a gas oven from XXXX 's. The purchase price was {$1500.00}. The oven had a written, one-year manufacturer 's warranty. On XX/XX/XXXX the oven 's electrical system ceased to function. A repair company assessed the damage and repaired a faulty electrical wiring harness at a cost of {$500.00}. We submitted our original sales receipt to the third party warranty service provided by BofA, XXXX in XXXX, TN. We also submitted a XXXX 's account statement describing the purchase of the oven as well as the XX/XX/XXXX credit card statement showing the purchase at XXXX 's in the amount of {$1500.00}. XXXX has refused to reimburse for the repair, stating the sales receipt was illegible. The sales receipt was completely legible and I sent photographs of the receipt as well as computer-scanned images of the receipt. XXXX 's claim of illegibility is completely false and unethical. This company should be thoroughly investigated for fraud.
Product: Credit card or prepaid card

Attempted to make a donation onXX/XX/XXXX to XXXX XXXX using my XXXX  card and was denied.
Product: Debt collection

i have tried to work with the company concerning this item, i was disputing it because of a late payment, them XXXX XXXX XXXX closed the Account because of the dispute.i have been dealing with this since XX/XX/XXXX and have gotten any results as of yet.Now this law firm ( COUCH, CONVILLE, and BLITT, LLC ) is sueing me for the same thing that i tried to take care of with XXXX  XXXX XXXX.i sent the law firm a letter last month XX/XX/XXXX concerning this problem
Product: Vehicle loan or lease

I noticed a little a while ago amidst my crisis with having my identity stolen that my Honda automobile loan is charging more and more progressive interest for no known reason.
Product: Student loan

In XX/XX/XXXX I refinanced some of my student loans that I had with Sallie Mae. I only refinanced the loans that had my Mother as my cosigner. We got the payoff emails, confirmation that loans were paid off. I found out in XXXX of XXXX that one of my other loans was paid off instead of the correct one. I called and was assured the error would be fixed and the agent promised me the loan was now paid off. The following month I was charged {$360.00} for the loan that was supposed to paid off. The " paid off '' loan had a balance of around {$800.00}. I tried communicating with a few different agents about the balance difference and each one told me I refinanced the wrong amount, my refinancing bank paid the wrong amount, etc. After many agents insisting it was my fault a manager assured me the remaining {$400.00} balance would be waived. Nothing was said about refunding me the {$360.00} that I should not have paid, etc. I still see the outstanding balance on my account and I can barely afford my current payments, so I can not afford to be in delinquent status as well. I have had an extremely negative experience with Sallie Mae since I first borrowed money for college in XXXX.
Product: Mortgage

In XXXX XXXX XXXX XXXX who I thought I had mortgage with was sold to XXXX XXXX XXXX XXXX and the mortgaging service company Shellpoint took over the servicing of loan. I have been with them a year, and early on they over charged us, then did not pay taxes for XXXX and now again they are two months late with paying my taxes for XXXX. Clearly my credit will be affected if taxes are not paid. 
I asked if I could switch mortgage servicing companies and was told that I could n't or I had to refinance, which is not an option for me right now. Please advise Is this true?