23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was called on my cell phone by a Wells Fargo bank number the person talking to me on the phone said there had been possible fraudulent charges on my account and would like to go over them with me I complied He then sent me verification codes labeled wells fargo like they do when I talk to the bank about this type of happing in the past. Then after that he went over charges that were not done by me and some that were ie XXXX XXXX to fill my truck at the local gas station that morning he then had me punch in a number on my phone that I now know forwarded my number somewhere else we got dissconnected after that. after I tried calling to get back to him with no prevail the day went on a few hrs and I realized what had happened and that I was not getting any incoming calls I then called the local wells Fargo branch XXXX XXXX mn told them that my account had been compromised and that I needed it frozen they then told me I had to be there in person to do so but I had nothing to worry about. At this time I was working an XXXX  away I then left the job site drove to the branch talked with a banker who then took all the info about the situation called their fraud dept I then talked with that dept over the phone who told me they would refund my unauthorized XXXX, XXXX $ wire transfer and I would see the funds in 7-10 business days well I got a letter 7days later stating they would not refund the money as I allowed the transaction or that it could have been me. 
I then went back to the branch talked with the branch manager told him all of this again and he typed up a official complaint that got me the exact same result they will not refund me any of the money because they said I did it well that couldn't be more true or devastating to me they didn't even have the decency to call or email me to ask any more questions or hear my side more that once this is a lot of money to me and I feel absolutely violated. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

This has happened on two occasions. XXXX as reporting an incorrect balance and multiple updates within a month on my credit file with Experian, XXXX and XXXX. My last statement date is XX/XX/XXXX with a balance of XXXX. Since this date I had two purchases ( XXXX {$18.00} and XX/XX/XXXX {$780.00} ) and a payment of {$380.00} on XX/XX/XXXX. On XX/XX/XXXX, during the same reporting period and not the end of the period XXXX erroneously reported a balance of {$830.00} to my credit file with Experian, XXXX and XXXX showing an 83 % utilization rate. I contacted an Account Manager and she told me, any time you make a purchase XXXX will report it to the Credit Bureaus and I stated if that is the case why isn't the same thing done when I make a payment. If that was done the reporting would of indicated a balance of {$450.00} vice {$830.00} and a 45 % utilization rate. Additionally, she advised me the balance will update on XXXX which is the statement date. So this week I have to live with this erroneous information.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention some discrepancies on my credit report that are causing me significant concern. Upon reviewing my credit report, I discovered inaccuracies in balances, charge-offs, employer information, and address details. These errors have created challenges for me, I am worried if I wanted to secure employment my credit score affect me. Additionally, I have experienced unwelcome harassment through email, phone calls, and text messages regarding these items on my credit report. 

As a mother of XXXX children, it is crucial for me to maintain stability of having stable employment and a decent credit report. I kindly request your assistance in promptly resolving these inaccuracies and ensuring that my credit report is updated accordingly. Your support in rectifying these matters would be greatly appreciated. 

Thank you for your attention to this matter. 

Warm Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple fraudulent inquiries are reporting on my credit report. 

XXXX XXXX XXXX XXXX  -TransUnion XXXX XXXX XXXX XXXX TransUnion
Product: Checking or savings account

On 6 different occasions CitiBank had contacted me by mail, or through their website when I login asking for information for their " Know Your Client '' initative. I have provided the same information over and over to them. I have been to my local branch working with their representative to solve the issue as well with no avail. As of XX/XX/XXXX they indicated that if I don't provide additional information they would freeze my account. 

Being very frustrated, I still decided to contact them again and provide the same information over. the representative who was offshore assured me that they have all the information they need and nothing else was needed. Thursday, XX/XX/XXXX Logged into my account to see all 3 of my accounts have been frozen. I can't pay my bills, I can't wire money to may account which causes an issue since many of the creditors I pay have ACH setup. 

I went back to the branch again and the the representative XXXX XXXX apologized and made every attempt to resolve the issue by making phone calls internally. She indicated this could take hours and that she would call me back. I got an email form the VP of the Branch XXXX XXXX XXXX on Friday saying that he was working on the issue. 

I even called the XXXX # and connected with the representative that would not allow me to speak to a supervisor. I got hung up on and called again and connected with a Supervisor who said they needed a copy of my driver 's license which I emailed to them immediately and got a confirmation. I was told that someone would call me on Friday to give me an update or to let me know when my account was unfrozen. As of right now no one has called me, my account is still frozen. I have bills that I am unable to pay including a mortgage. 

I have been a client of CitiBank since XXXX they are the only bank I use for my personal banking, I have 3 account with them all my income, and expenses is processed though their account.
Product: Student loan

I applied for a student loan while I was in school. I paid interest on said loans almost the entire time that I was in school. Now I am unable to paid anything on my student loans due to loss of employment and my spouse is working on getting his XXXX. The loan was made through XXXX which now navient. They have since sent my to collections
Product: Debt collection

VERIFICATION OF DEBT REQUEST Dear LVNV Funding LLC, This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ) which state : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if Re : Acct # : _________________, Amount in Dispute : {$2500.00} This is a
Product: Credit reporting, credit repair services, or other personal consumer reports

When I looked over my credit report, I found that some of the accounts listed there were incorrect. These accounts must be verified by the XXXX credit bureaus in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I have written letters to the credit bureaus requesting that they look into and correct any inaccurate information that has been reported about me, therefore I am disappointed to find that they have chosen to ignore my pleas. It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following accounts as needing investigation and correction due to inaccurate reporting in my file : 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
Product: Checking or savings account

I tried to pay a bill for {$100.00} but some how {$900.00} was charged. I called immediately and was told it could not be reversed.
Product: Mortgage

I have been trying to get in contact with my loan provider for multiple days. When I call the servicer no one provides me with the same information and it's something different everytime. I finally was able to speak with a supervisor for the servicer who provided me with information telling me to contact Lakeview mortgage directly. Yet, when I call the profivded number it goes to a third party who can and will not help me.
Product: Student loan

I frequent the online website and contacted Navient in the past to secure lower payments in effort to lay back my student loan. Although I am not a high income earner, I do not qualify for income driven repayment with reasonable monthly amount due. Reasonable would be $ XXXX. When I spoke with the reps and online, the repayment amount was at least $ 900 monthly, which is close to the usual monthly payment. The need to lower the amount to qualify for income driven repayment is necessary as most people have basic expenses needed to live : food, shelter, transportation nd associated costs. Navient would rather discuss overbearing versus an actual repayment plan with reasonable payments. The reps are located in other countries and have absolutely no idea that {$900.00} plus per month is completely unreasonable. To pay that, we would have to live in a shelter.
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 XXXX : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

The XXXX  XXXX accounts XXXX, XXXX, XXXX. Were all settled on or before XX/XX/2021. These accounts are still showing open. They must be marked closed and paid. 

Additionally XXXX  account [ XXXX XXXX ] .. XXXX has been setled and need to be reported as paid as agreed /no balance
Product: Checking or savings account

California Franchise Tax Board issued an electronic reversal for the bank levy placed in error to Bank of America to be released on XX/XX/XXXX, before the funds were to be released, after a hold was placed on my account over the weekend in the amount of {$2000.00}. The California Franchise Tax Board told me that BOA should have credited back my account within XXXX of receipt of the efaxed withdrawal, sent to BOA 's legal order processing department. It has been sent to BOA XXXX times. The last representative from the California tax board even stayed on the phone with me while the fax was sent a third time. Following this, when I called the BOA representative stated that certified funds would be sent to the California Franchise Tax Board on XX/XX/XXXX in the amount of {$1900.00}. BOA keeps denying receipt of the electronically sent legal order/bank levy withdrawal, is giving me the run around when I requested the legal documentation, as a tax payer, sent to them by the California Franchise Tax Board . I was not properly notified by BOA in advance about the pending legal order that was issued on XX/XX/XXXX, even though I have consented with BOA to communicate any and all documentation electronically and paperless. The California Franchise Tax Board notified me that BOA was supposed to provide advanced notice of the pending withdrawal in order for me as the consumer, account holder, and tax payer, time to remedy the bank levy and to potentially stop the debit of said owed funds. Bank of America denied me of that right. When I asked for page XXXX of the legal order bank levy withdrawal documentation of which I was informed by the California franchise tax board that I have right to, the representative said that I would physically need to go into a BOA branch and sit with a representative who would contact BOA 's legal department and email/ read the documentation to me while I sit there in a BOA branch.
Product: Debt collection

I do not owe the debt. I received a letter from XXXX XXXX XXXX XXXX XXXX account number XXXX about a debt is a collection agency that states I owe a debt to XXXX XXXX XXXX which I occupied XX/XX/year>. I completed my lease contract and left with a XXXX balance. I don't owe the debt but I contacted XXXX and requested to pay the alleged amount owed for deletions from all reporting agencies. I was told by a supervisor that because I have repeatedly disputed the debt XXXX will not request deletion due to me disputing the account. To my knowledge a paid collection is still viewed as derogatory on all credit bureaus. 

Most recently I sent a certified return receipt letter to XXXX requesting validation of debt to include the following XXXX points. Proof of debt, Account statements, verification of assignment, detailed breakdown of charges and license information.
Product: Vehicle loan or lease

My name is   XXXX   XXXX   of  XXXX , NJ. I purchased a  XXXX   Hyundai Sonata fr om   XXXX   XXXX   Hyundai DBA  XXXX  Hyundai @  XXXX    XXXX   XXXX    XXXX   XXXX , NY  XXXX . The car 's list price was {$29000.00} and a  Service Agreement of {$3400.00}. I ended up financing {$35000.00}, with a finance charge of {$24000.00} ( 18.99 % APR for 72 Months ). My monthly payment was {$830.00}. The total sale price was {$65000.00}. I gave the dealer a {$5000.00} downpayment, part of which he told me would be applied to my first monthly payment, and the rest would be applied to the downpayment of the car including Motor Vehicle Fees and taxes. My complaint is that  on   XX/XX/XXXX  the  car dealer advised me to sign the blank contract as I had my child, was in a rush for work, and he would fill in the details based on our verbal agreement. To my dismay, upon receiving a  XX/XX/XXXX  letter from Hyundai Motor Finance I had a contractual agreement to pay twice the amount of the value of the car. This is in stark contrast to the dealer 's prior verbal assurance that my car payments would be no more than {$320.00} per month.The dealer pacified my complaint by telling me that he would rectify the matter with a new contract, but I should make payments as to not run in default on the contract. Coincidently, a majority of my payments are applied to the interest and not the principal. Eventually, I could not keep up with the payments, after losing my job. After the last partial car payment on  XX/XX/XXXX , and a verbal agreement with the finance company to pay the balance the following morning, my car was repossessed the following day. Subsequently, the repossessor sold my car for {$9000.00} at an auction and is now harassing me for {$23000.00} to be collected by  XXXX   XXXX   ,   XXXX  (  Collection Agency  ). Please help as this is ruining my credit, placing me under  XXXX . I am a single mother o f a  XXXX -year-old chil d who was born with  XXXX  and has had  XXXX   XXXX , which is causing financial and  XXXX  hardships. Please see attached file of documents to support my claim.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$350.00} XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I have reviewed the attached documentation submitted by XXXX XXXX in connection with a previously submitted complaint. Nowhere on the application does it authorize XXXX XXXX, XXXX, or any entity, financial or otherwise, by specific name, proxy or otherwise to obtain my credit report. Due to XXXX XXXX 's failure to clearly and unambiguously identity itself as an entity authorized to obtain any credit report, this credit application is null and void. I spoke with XXXX XXXX of XXXX XXXX XXXX at XXXX and she confirmed that nowhere on the application is XXXX XXXX XXXX or any business entity whatsoever identified. In turn, the hard inquiry by XXXX XXXX XXXX is rendered invalid along with the XXXX XXXX XXXX hard inquiry itself.
Product: Mortgage

In the last quarter XXXX was two months behind on my mortgage payment During XXXX XXXX and XXXX I made six XXXX XXXX bill pay payments to XXXX XXXX. 
to the total amount of over {$10000.00} each time I made a payment the automated system told me my last payment was in XXXX which was incorrect In XX/XX/XXXX A new company became my mortgage lender or loan servicer shellpoint mortgage I contacted them to find out what was going on and they told me there were no records of the {$10000.00} I paid my previous servicer And in order to avoid escalation I need to pay {$5000.00} immediately I beg borrow and steal from friends and family and came up with the {$5000.00} and paid them and asking them to check into the {$10000.00} I previously paid and they asked me to send my proof of payments in witch I did email the proof to Mrs XXXX at shellpoint she gave me her email address and I followed up my emails of documentation with a questions for a months did she get the documents does she understand everything? 
I found out from another shellpoint representative that she can not receive emails nor replied to them The documents needed to go to loss mitigation or Loan Servicing 2 more months were wasted on this nonsense and I immediately sent the documents to the newly given email address and again contacted them and asked to speak to someone about this No one was available and of course they said they call me back They did not So I called in shellpoint and paid another {$2000.00} in XX/XX/XXXXand asked to speak to customer service because I was getting angry after several phone loops and department switching I finally got a hold of someone who left a message with themAnd I am awaiting a supervisor return my 3 phone calls asking for customer service help This has not happened Tbey no point mortgage Or telling meAs of todayor telling me XXXX I am five months delinquent This is impossible My mortgage payment is {$1100.00} a month since XX/XX/XXXX I have paid them {$17000.00} Full year of payments to my mortgage company is only {$13000.00} I have paid them {$17000.00} and they say Im five months behind and I can get no one to assist me with this they gave me a single point of contact to assist me he told me he cant do it, but he can except a payment Shellpoint mortgage is doing nothing to assist me with unique issue no matter who I speak to or how many times I verbally repeat myself Or continually email them about my situation nothing is done and I get the same old answers This problem started with my previous lender XXXX   and it seems as if no one cares about my situation I need help!! 
Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a XXXX mother to a XXXX XXXX I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.
Product: Mortgage

XXXX XXXX  XXXX SCAM SEE ATTACHED LETTER AND DECLARATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested the credit bureaus investigate a few account reporting for accuracy. They completed the investigation and stated the investigation was accurate. After the investigation was completed XXXX removed the account but XXXX and Experian has continued to state its accurate. Under the fcra guidelines, once one bureau finds the information is inaccurate the must share that information with the other major bureaus. I have sent both remaining bureaus a copy of the results. 

*XXXX  # XXXX *XXXX  XXXX  # XXXX In accordance with fcra these creditors listed above has violated my rights under 15 U.S.C 1681 SEC 2. states I have the right to privacy 15 U.S.C 1681 SEC 604A sec 2. States a consumer reporting agency can not furnish an account without instruction 14 U.S.C 1681 SEC 623
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DISPUTE!! THIS IS A NOTICE OF CEASE AND DESIST. Transunion previously received a similar letter and processed it as a dispute. This is to be sent to the legal department at Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my updated credit report in XXXX XXXX, I see that same accounts were inaccurate. The credit reporting agency is required to reinvestigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$33000.00}, XXXX XXXX XXXX Balance Owed : {$5300.00}, XXXX XXXX XXXXXXXX Balance Owed : {$6000.00}, XXXX XXXX XXXXXXXX Balance : {$1700.00}