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

Federal Bureau of Investigation ( FBI ) vs. XXXX, XXXX, Experian On several occasions I submitted a complaint through the CFPB without any successful resolution. I now provide the FBI investigation against the findings of XXXX-XXXX and Experian. I have also submit an investigation by XXXX XXXX  to the FDIC. This complaint will have a different outcome hopefully should the three credit bureaus do not remove negative information provided by the XXXX XXXX XXXX XXXX ( XXXX ). I did not realize that through my Congressman the opportunity to place this in front of the Congressional Oversight Committee is available to me. This is also a direct challenge to XXXX, XXXX and Experian to ignore and dismiss an FBI investigation. This is a further challenge to the three credit bureaus to ignore and dismiss an investigation by the FDIC through XXXX XXXX. Additionally, there may be many consumers on XXXX XXXX that have similar experiences. Remove negative information from my credit profile now!
Product: Checking or savings account

On XX/XX/year> I tried to log into my account only for a notice to say blocked. I tried to access my funds from the atm. After calling Citibank XXXX number I was told to call a different number. After calling the second number the rep told me I needed to call a 3rd number. After calling the 3rd number a rep said I needed to call another number but that the number would be offline for XXXX. My account was blocked and no one is able to explain why!
Product: Credit card

Today XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to 3 different reps requesting 90 days of payment deferment and to lower my monthly payments for a period of time. I advised them I was in a financial hardship and have medical issues. They advised they do not have any hardship programs available.
Product: Credit card or prepaid card

I have had a credit balance of - {$580.00} on my credit card since XX/XX/17. I  have contacted XXXX XXXX XXXX three times since then about collecting this balance so I can close my account and have been unsuccessful. The credit balance was due to a return after the credit card was already paid off.
Product: Debt collection

Company continues to call, harass and otherwise attempt to collect un-owed money from 2019. Lease was legally terminated between myself and the office due to countless issues of filth, pests ( cockroaches ), thefts and countless violations of Colorado law regarding habitability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to call Experian to temporarily lift the freeze on my credit but the automated voice asked for a PIN number that I did not have. I did submit my social security number and other info it asked for. When I could not give my PIN number there was no way to speak to a live person or continue the process. So, how can I get my credit freeze lifted?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax & XXXX  are delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax & XXXX have failed the to respond within the 30-days outlined by the FCRA. The items I initially disputed should be removed from my credit report. Please investigate my concerns ...
Product: Mortgage

In 2018 I lost my Job as an XXXX XXXX XXXX XXXX  due to XXXX XXXX XXXX. I immediately contacted our current Lender, Freedom Mortgage and explained the situation and how it was hard at that time to get another job, of equal compensation. Freedom Mortgage offered to assist us with the loan Modification. I worked very hard at getting all required documents to them expeditously. Every Month I would here from them saying my documents were not accepted due to reasons like " Your Paystub is Crooked '' and " Now your Documents have expired '' " You must start over Again '' This process went on for over 11 months until I received Final Rejection of Loan Modification. They had kept telling me NOT to send any payments during this process. I was now 11 months behind and they were threatening Foreclosure. We then had to pay XXXX XXXX XXXX XXXX  to file XXXX XXXX, which was very costly. So, we have been in XXXX XXXX since late 2018, and making payments to the trustee. This past XXXX we were victimized by the Ice storm/Power Outage here in XXXX Texas. We suffered a busted pipe and subsequent damages. XXXX XXXX Made a final settlement of {$16000.00} for home repairs. The first check of {$9700.00} was received on XX/XX/XXXX, and susequently overnighted to Freedom Mortgage for their endorsement. They have since contacted me by phone twice, stating they WILL NOT endorse the check, due to me being behind in mortgage payments, which I am NOT. Every time I have to deal with this lender, They are just extremely disrespectful and arrogant and NASTY to me. I personally feel their plan all along has been to cause repossession, due to my original note being $ XXXX and my property value has just been assesed at $ XXXX XXXX XXXX tax assesor. I really feel their ultimate goal is to take our house away from us, anyway they can. I reached out and notified by bankruptcy attorney, and she is going to have to file a motion to force them to endorse and release the insurance check. She stated this will probably take quite some time. Our house has moldy walls, ruined carp [ et and flooring. We already have a contractor lined up, but he can't get started until I have funds in the bank. I have been informed that their action of delaying their endorsement is illegal. This lender has done nothing but XXXX with and Aggravate me, every time I contact them. I am a 14 year veteran of The XXXX, and I DO NOT appreciate being disrespected and abused like this. Also, My wife of 30 years is extremely XXXX with XXXX XXXX  XXXX and conditions. The stress that this lender has caused us has literally put her back in the hospital, 4 times in the past 2 years Please help us, if you can. I thank you for any time and considerations on this matter. XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am trying to transfer funds ( specifically, {$10000.00} ) from my Wells Fargo account to an account in another bank ( in this case, XXXX XXXX ). I can not do this as Wells Fargo only offers options of ( 1 ) using XXXX to send money or ( 2 ) wire money or ( 3 ) send a paper check by defining the recipient as a payee. 
Option 1 ( XXXX ) does not work as I have my email associated with another account ( XXXX ). 
Option 2 ( wire ) costs {$30.00} Option 3 is inconvenient and outdated. I don't want to get a check as TD does not have branches and I won't be able to deposit is. I also want to keep all transactions digital. 

By designing the system to only transfer money using XXXX, it does 2 things : 1 - limits the amount to {$2500.00} which is not sufficient for many purposes 2- making it practically impossible to transfer money to other individuals ( e.g., family members ) or self at other banks. 

My money is now practically trapped at Wells Fargo, and it must be very convenient for them as they are making interest on my deposit and also limit their fraud risk by basically making it impossible to take money out of account, instead of building an up-to-date fraud prevention system. 

I'd like to see big banks forced to bring back the old ACH transfer system. 

Thanks XXXX
Product: Payday loan, title loan, or personal loan

I paid off my loan. Have not used the service in a very long time and someone has made attempts to log into my account fraudulently and gain access my bank account. The creditor is refusing to close my account after I have told them that there is someone attempting to log in. I keep getting emails from them saying someone is trying to log in. Its not me. I want the account closed. There should not be a reason they can't close it. I have no debt with them. They have no phone # to reach them at and the email or chat people say they can't do that. It needs to be escalated. I've asked for someone to call me and they said they do not have phones
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request correction of multiple inaccuracies on my credit report that are negatively impacting my creditworthiness and financial standing. The inaccurate information includes incorrect addresses, charge-offs, a repossession, and unauthorized inquiries, which I believe have been reported in error. 

Here are the details of the inaccuracies I am disputing : 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 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 
I have attached copies of my credit reports from 3 Credit Bureaus to this letter, highlighting the inaccuracies I am disputing.

I wish to emphasize that these inaccuracies are damaging my financial reputation and are not a true reflection of my credit history. I have never lived at the addresses listed, nor have I ever authorized or consented to the inquiries from the entities mentioned above. Additionally, I dispute the charge-off and repossession claims as I have made efforts to resolve these issues and have documentation to support my claims.

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed items on a credit report within 30 days of receiving a dispute letter and to provide me with the results of your investigation. Therefore, I kindly request that you : *Conduct a comprehensive investigation into the accuracy of the addresses, charge-off, repossession, and unauthorized inquiries on my credit report.

*Contact the respective creditors and entities responsible for the inaccuracies to verify the information.

*Correct the erroneous information on my credit report to accurately reflect my true credit history.

*Provide me with a written response outlining the results of your investigation.

I am fully aware of the importance of maintaining an accurate credit report and I am committed to resolving these issues promptly.
Product: Money transfer, virtual currency, or money service

Wire withdrawals marked " transaction completed '' on XXXX XXXX and XXXX XXXX made from Coinbase to verified savings. However the funds never came through and I have been unable to reach Coinbase support by phone or email. I have additional funds in Coinbase that I am now afraid to withdraw because {$5000.00} in wire transfers have seemingly vanished out of thin air and I have been trying to reach support for over two weeks.
Product: Debt collection

n XX/XX/XXXX, I took over someone's lease at XXXX XXXX. After 3 weeks of residing there, I relapsed with a chronic illness and needed to move back home. I went and spoke with Assistant Manager XXXX. He told me that he would talk with his manager, but he was sure that I would be able to move without paying a penalty or other charges. Shortly after I moved out, I received a letter from ProCollect stating that I owed approximately {$76.00}. I called ProCollect to dispute that charge. Everyone I talked with at ProCollect was spoke very aggressively, harassing and threatening. They would not let me complete voicing my side of the story. They had erroneous information such as I lived in two apartments during my stay at XXXX XXXX. I tracked down the previous head manager, XXXX XXXX, that basically said he could not help me because his company no longer manages XXXX XXXX. I called XXXX XXXX who said they can not help me because they do not have the same computer system or my file. I then received a cancellation letter from ProCollect saying that my account had been closed. I figured they investigated the case as I had requested and found the error and closed my case. On XX/XX/XXXX, I saw that ProCollect had once again put an account on my XXXX  credit report stating that I owe {$1100.00} for unpaid rent and other items. I called ProCollect and XXXX and was put through the same headache as I was before. No one will help me with this erroneous account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX and Greatlakes reporting loan payments 60-120 days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.
Product: Debt collection

I am being constantly harassed by a debt collector for a debt that has been discharged previously and now they want to place a lien on any of my property.
Product: Credit reporting or other personal consumer reports

Self lead Bank said and showed I was late on a payment which is incorrect. The card isnt even activated but all payments were automatic. It was a self build credit card, not my information that was negatively reported, please remove from my credit profile
Product: Credit card

US Bank recently cancelled the free night award bonus which was a benefit of their club carlson credit card. I had renew my annual membership with them for this card solely for this benefit feature. US bank did not communicate clearly with me that the benefit had changed. Instead they added a small notification in my monthly statement to notify that this benefit was set to expire XXXX XXXX. I feel I was misled by US Bank as they advertized at the time I renew my membership unlimited free bonus award for any nights booked with points. my family do a large part of our banking with US bank and are not considering other options.
Product: Debt collection

in accordance with the Fair credit reporting act has violated my rights. 15 u.s.c 1681 section 602 A. States i have the right to privacy 15 u.sc. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

THIS IS HIPPA VIOLATION AND IDENITY FRAUD I TRY REACHING OUT TO THIS COMPANY AND NO RESPONE CERTIFIED MAIL XXXX ON XX/XX/2022 SEE ATTACHMENT
Product: Credit reporting

XXXX XXXX XXXX account has sent to collections an amount of approx {$140.00} from approximately XXXX XXXX ... because in XXXX of XXXX I upgraded my 15+year account with att ( phone & internet ) & the company - for reasons unknown to me, created a new account number. I continued to pay $ $ on the old account # for several months, not realizing a new # had been created. After several months, i realized what was happening & contacted XXXX XXXX XXXX to resolve the issue & transfer all $ sums that had been applied to the prvious acct number to their newly created acct # ... subsequently, I had several telephone conversations with customer service as well as XXXX XXXX XXXX accounts Receivable departments because THEY did n't get it corrected ... finally I was assured by XXXX XXXX XXXX reps that the accounts were reconciled and all payments to the previous account were transferred and applied to the new account #. This activity transpired between XXXX XXXX & XXXX XXXX ( or XXXX XXXX ) ... 
From that point on, I continued making payments on time to the correct XXXX XXXX XXXX account and am currently up to date ... .however ... apparently the employees at XXXX XXXX XXXX do not correspond and or communicate account activity & that they had rectified the " past due '' pmt issue on the old acct. so in the XX/XX/XXXX I began receiving telephone calls from various numbers ( the collections agency people ) about this so-called past due account ... during the first several calls, I attempted to tell them that this account was in fact paid up and current, and that I had had MANY conversations with XXXX people to ensure this ... but the calls continued ... because they do n't listen to me. I am paid up on that account. The Collection was created, because of inept employees within XXXX XXXX XXXX not communicating and/or appropriatly documenting the events in the case. I therefore deny the validity of the Collections claim. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a transfer through XXXX from my bank account at XXXX XXXX to a payee who has a bank account at First Horizon. On XX/XX/XXXX I received a confirmation from XXXX that the money was credited to the payee, however First Horizon never credited the money to the recipient. Transfer trace is XXXX. Both banks have not been able to resolve the issue and my money is lost.
Product: Debt collection

I have sent letters to Bullcity Financial seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. How does this company list this entry as data factoring when they are a 3rd party collection company and did not assume the debt prior to charge off? This company did not prove that the statute of limitations has not expired. Where are the documents that reflect my signature? Where are the documents that provide proof of ALL charges, invoices, or slips that prove indebtness to them? This erroneous, unverifiable, inaccurate item should not be reflected on my credit reports.
Product: Payday loan, title loan, or personal loan

on the XXXX app you are able to draw money up to a certain amount- they collect on payday- on the FAQs on their website they state multiple times in different capacities that they avoid fees by " waiting till they see the funds in the account '' on XX/XX/XXXX I was charged 5 nsf fees bc my paycheck hadn't posted- they have access to all acct info as it is a part of registering for the app- and have access to " see '' acct activity- I reported the issue that day via a chat feature which has since been disabled for my use- after that I corresponded via email and had to wait days in between responses- they requested info from me which I provided to the best of my ability- like screen shots- I have been a consistent user of the app- always tipping which is how the company generates capital- ultimately I was told since I could provide proof of deviation in my pay- which I am unsure of where the issue occurred anyway- either way they are deceptive when they say the " wait to see the money '' and that's how they " avoid fees '' they have to customer courtesy refunding- I believe they also altered the info in the the FAQs but I do have screen shots- they also put undue burden on the consumer with the lack of resources to contact them.
Product: Debt collection

This entity has not contacted me regarding any debt owed. I have never heard of the organization, so I have no affiliation with them or the creditor they bought the alleged debt from. 

This is on my credit report as a " charge off ''. This is not my debt. And I am demanding it be removed immediately as it is injuring my credit.
Product: Student loan

Edfinancial is charging me interest even though I am on a XXXX plan where interest should be waived.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports from XXXX, XXXX, and Experian and they are reporting an account that violates my federal rights as a consumer. I sent them a letter bringing these violations to their attention and they have not responded and the account is still reporting on my credit reports. First and foremost, I did not give them my written consent to report the account pursuant to 15 USC 1681b ( 2 ). Second, they have violated my privacy pursuant to 15 USC 1681a ( 4 ) they are sending my private information to a data furnishing companies that I also did not give my written consent to have. Using my information without my consent is identity theft and is punishable under federal law.
Product: Credit reporting or other personal consumer reports

I requested information regarding the account Kohls XXXX and have not received anything. 

Please have this company upload the following documentation : Last 12 months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E., allocation of payment.
Product: Credit reporting or other personal consumer reports

I've made several disputes to accounts on my credit report with Experian asking them to verify the debt and in some cases asking them to remove a {$0.00} balance account that was listed as negative. I was told that the information was accurate without being provided any proof that the debt was mine or given any information on how to resolve the account.
Product: Debt collection

Health Care Finance Direct has committed fraud against me as a consumer as follows : This company has provided false information of material facts to ensure payments.

They violated HIPPA law by financing my treatment through a third party.

HIPPA Law is threatened to be violated by sharing my sensitive medical information to a third party without debt verification.

Health Care Finance Direct is over billing me outside of services that were provided because, due to my health insurance being provided to first party vendor XXXX XXXX XXXX. 

The inadequate bankrupt company also mislead me by ensuring that my federal dental insurance covered the cost of my treatment. 

My treatment was never completed, and I did not receive everything needed, though I was surprisingly financed for it.

Health Care Direct Finance Company is telling me to reach out to Smile Direct Club ; but they know the company went bankrupt.

Heath Care Direct Finance Company is now billing me and threatening to sale my information to another third-party debt collector which is illegal because as a consumer I do not agree to that, and the debt has NOT been validated.

Health Care Finance Direct is causing me pain and suffering, due to the stress of threats though email, constantly attempting to charge my credit card for fraudulent charges. 

I am being billed for services not provided and unfinished treatment THAT I NEVER RECIEVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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.