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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX  XXXX  Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of XXXX XXXX, XXXX Account XXXX opened XX/XX/XXXX, a personal credit card XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, an XXXX XXXX account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX account number XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX  XXXX account XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX. Also, a XXXX  XXXX Bankruptcy filed XX/XX/XXXX case # XXXX, XXXX XXXX filed XX/XX/XXXX case # XXXX and XXXX  XXXX file XX/XX/XXXX case # XXXX. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please respond to email XXXX XXXX
Product: Debt collection

this company DIVERSIFIED CONSULTANT keeps calling all day, & all night, and i told them they have wrong person, and they refuse to really identify themselves. I told them no sales please, & remove my number. een informed them im on donotcall list. this is beyond harassment. they need to be handled. they curse, they threaten me. bullys.
Product: Student loan

I borrowed XXXX in XXXX and graduated working in XXXX XXXX for XXXX for over 10 years. In XXXX I had to file a chapter XXXX which was to wipe out XXXX of student loan debt with payments however once that discharged I still owed the full amount plus interest to sallie Mae. This became navient and I filed for forgiveness in XXXX but was denied. Now I still owe XXXX after thirty years of payments. What gives? Ive bought and paid a dozen cars off in this same amount of time but cant get this debt to drop with faithful payments
Product: Credit card

I found out from my credit that there was XXXX hard inquiries on my credit. These are XXXX, Capital One, XXXX, and XXXX XXXX. I already talked with XXXX and Capital One they confirmed that somebody fill out an application. Please help me How to deal with this. 
Thanks
Product: Mortgage

I am attempting to pay an escrow shortfall in full. The primary Truist contact number ( XXXX ) XXXX tells me they can't take my payment but the former Suntrust mortgage customer service has to process that directly - XXXX. This toll free number is a dead end, I've called everyday for 7 days, I sit on hold for hours, no one has ever answered my call. I was told I can't make this payment in person either at a branch. My next payment is due on XXXX and I am working to avoid a large jump in monthly by paying this amount : {$1300.00}. 

Loan XXXX Address : XXXX XXXX XXXX XXXX NC XXXX
Product: Student loan

I received a loan from Sallie Mae XX/XX/2016 to help pay for my schooling at XXXX XXXX University in Alabama. The loan amount was for {$10000.00}. I am the primary on the loan and my grandmother is the cosigner. For the past three months ( starting XX/XX/2016 ), Sallie Mae has been hounding my grandmother and myself to start paying the interest on the loan. I told them that I am still a fulltime student at XXXX and can not make payments right now because I do not work. I told them that I would like to defer the payments until I graduated. I was told that I did not make that choice at the beginning of applying for the loan ; so I filled out a deferment form and faxed it to Sallie Mae. The calls stopped for a week, and then started right back. They were calling my grandmother five and six times a day asking her for money. My grandmother told them to stop calling and that we already faxed in the Deferment Form to Sallie Mae, however, each time se spoke with them, they gave her a different explanation as to why they still were calling and why the Deferment Form was no good. The customer service representatives for Sallie Mae, as well as the Managers my grandmother and I spoke with were rude and aggressive. My grandmother is XXXX years old and they were very disrespectful to her. I have an Aunt that is a debt collections attorney and she even spoke with Sallie Mae asking what exactly was the issue with accepting the Deferment Form ; however, when Sallie Mae found out she was an attorney, they told her that everything was fine and they would update my account to show that the Deferment Form was received and to stop calling. However, the calls started again a week after that phone call and are still continuing to this day ... even after my grandmother told Sallie Mae to stop calling and correspond with her only through mail documents.
Product: Credit reporting or other personal consumer reports

I have disputed the account as irrelevant and once I get their notification, everything seems unchanged. Some I don't recognize on my credit report I reported it as theft of identity, but the record stays on my report.
Product: Checking or savings account

I went to order food on the XXXX of XXXX and noticed that my card was declined. I called customer service of Chase bank and they said that my account is frozen due to someone authorized 3 large amounts though quick pay XXXX  without my approval. Then the claims department said that they are fraudulent accounts and the other person wants their money back. I originally had {$1300.00} in my account after the bank returned this person money left me with- {$3000.00} in my account. I have to pay rent I'm unemployed and XXXX plus I'm engaged to be married how on earth I will ever get out of this situation.
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 Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number: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 card or prepaid card

I purchased a {$100.00} Vanilla Visa Gift Card on XX/XX/XXXX ; XXXX p.m. at XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, STR # XXXX for my niece. She tried to use it and learned it had been hacked, fraudulently used and therefore no funds available. She filed a complaint with Vanilla Visa customer service and has been contacting them via email ( providing all they requested ) and via telephone since XXXX to the present date without success. I notice now there are several complaints against Vanilla Visa for the same lack of response and resolve to consumer complaints. We respectfully seek your assistance for reimbursement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following items to be inaccurate. XXXX : XXXX XXXX XXXX Account number : XXXX XXXX : XXXX  XXXX Account number : XXXX XXXX : XXXX XXXX Account number : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX : XXXX  Account number : XXXX According to 15 US code 1681s-2 the 3 credit bureaus XXXX XXXX, Experian XXXX XXXX have violated my rights. 15 U.S.C 1681 Section 604 section 2 : It states a Consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unsuccessful in my attempts to be provided validation in connection with accounts listed on my credit report : XXXX. XXXX XXXX XXXX  {$2600.00} XXXX. XXXX XXXX XXXX XXXX {$570.00}. 

There are duplicate entries on XXXX report XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 

There are duplicate entries on Equifax XXXX. XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX for XXXX sent correspondence in response to the validation request reporting a court-awarded judgment.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX. XXXX You are in direct violation of The Fair Credit Reporting Act ( SYNCB/LOWES XXXX ), has violated several of my rights. 
15 U.S.C. 1681 Section 604 A. Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 21 : It also a consumer reporting the agency can not furnish an account without my written instruction.

15 U.C.S. 1666B : A creditor may not treat a payment on a credit card account under and open-en consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you an indirect violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer reports. The Credit Bureaus have stated that my account was properly investigated and verified on several occasions ; but how is this possible if the Account Status, Date Opened, No of Months ( Term ), Last Reported, Date Last Active, Date of Last Payment, and Payment History are not accurate? This is grounds for deletion / removal under the following : 15 U.S.C 1681 602 [ 15 U.S.C 1681 ( a ) ( 4 ) ] 623 [ 15 U.S.C. 1681s-2 ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] See attached and have a nice day.
Product: Mortgage

Bank of America has had my husband 's and my SSN wrong in their system for the past three years, and refuse to consult my original loan documents to correct it. My credit has been impacted along with my sanity. For the past three years, they have mailed us letters in XX/XX/XXXX advising that our Tax Identification Numbers are incorrect, and request that we complete a XXXX form. I 've already done this, and I 'm not comfortable sending this sensitive information via snail mail AGAIN. I 've contacted their CS phone number to discuss this issue, but was only told that my issue was being referred to " the back office '' and advised that I would receive something via mail in 7-10 days. Then, I also tried writing to them via their website, but was merely told to call CS again. The correct SSNs are contained in my original loan closing documents, which BoA has, so I expect them to consult their records and update my account information accordingly. Stop being lazy and requesting me to furnish information they already have on file.
Product: Credit card or prepaid card

I paid off my balance within my grace period and still received an interest charge of {$66.00} on my XX/XX/XXXX statement. I called customer service and tried to explain, however, the agent was rude and raised voice without understanding my situation. She indicated if I did not pay {$290.00} by my closing date, I will continue to accumulate interest, despite my balance at close being {$210.00} and which I already paid to make my account a XXXX balance. 

I am requesting a refund of the {$66.00} charged as I paid the account off within my grace period and the calculation of interest on my account is inaccurate.
Product: Debt collection

The collection agency is reporting inaccuracies in the debt from my report due to the amount being different from what the original creditor is saying I owe. I have filed two disputes because of the inaccuracies.
Product: Bank account or service

I attempted to make a cash withdrawal in the amount of {$2500.00} from my SunTrust personal savings account. I provided 3 forms of identification:1 ) My non-expired Florida driver 's license, bearing my photograph and signature. 
2 ) My pre-printed withdrawal slip provided to me by the bank bearing my signature. 
3 ) My non-expired debit card issued to me by the bank, bearing my signature. 

The teller stated that the signatures did not match. I addressed my dissatisfaction with the CEO of the bank, XXXX XXXX in the form of a letter. He delegated responsibility for responding to XXXX XXXX of the Client Advocacy Team. XXXX XXXX sent me a letter which not only failed to address any of the objections which I raised in my original complaint but went so far as to attach a copy of my withdrawal slip and signature card on file which prove that the signatures, in fact, did match. I am left with zero confidence that any future attempts to withdraw funds from the account will be fulfilled no matter how many forms of identification I provide. SunTrust Bank made me feel like a criminal for attempting to withdraw my own money. I ask that you censure SunTrust for the inordinate barriers to withdrawing funds which it has instituted. I make my request based on experience because I also have a savings account with XXXX XXXX and have made similar withdrawals without incident simply by providing my driver 's license and debit card with PIN.
Product: Checking or savings account

We had a check stolen from the mail in the amount of {$5600.00} that was withdrawn fraudulently from our account with Wells Fargo in July 0f 2023. It was immediately reported to Wells Fargo. We provided an affidavit of check fraud from us and the business that did not receive the funds in XXXX of 2023 as well. XXXX months later Wells Fargo claims to be waiting on reimbursement from XXXX Bank, who allowed the check to be fraudulently cashed. Despite being a customer for many years, Wells Fargo continues to do NOTHING to advocate our money being returned. They tell me it is not their problem.
Product: Credit card

XX/XX/2023, with my Citi Card - Master Card, I inadvertently started a transaction for {$710.00} to book a hotel with a company, " Get A room '', also known as " XXXX XXXX ''. I thought i was on a hotel website but they are an intermediary. 

They charge $ XXXX " convenience fee '' to book a hotel room. it is easily overlooked because many municipalities have various fees and taxes. Additionally, they do not allow any cancellations, whatsoever, without a 50 % penalty. this is highly unusual - no hotels have this kind of policy. 

Before completing the transaction- i realized it was a rip off. I never entered the XXXX XXXX " pin code '' sent to my mobile device. In other words, I never completed the transaction. 

i have not been able to reach resolution. I find Citi Bank Credit Cards at fault because they should not facilitate business with this merchant. and they sided with the merchant in my dispute.
Product: Student loan

As a graduate student at XXXX  XXXX XXXX, I paid for my education up until my last semester and I was offered two federal student loans in XX/XX/XXXX. Upon graduation in XX/XX/XXXX, I established payments to my loans and paid quadruple the minimum amount. With additional payments to the loans monthly from XX/XX/XXXX through XX/XX/XXXX. None of these additional payments or the completed loan payment for the smaller low interest loan posted. My XXXX XXXX  account shows the payments were paid to the Department of Education, however, MOHELA the loan servicing company does not show or account accurately for these payments. As of XX/XX/XXXX, more than {$3000.00} has not been posted. After more than three emails, three lengthly hours long calls to customer service, being told I would be sent via mail to my home address which I have yet to receive. I am ready to pay off the entire loan amount but MOHELA isn't accounting for my payments in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

An employee with   XXXX   XXXX   changed the last digit of my driver linsence. The check was from   XXXX   XXXX   in the amount of {$5000.00}. The last digit of my linsence is  XXXX  not  XXXX .   XXXX   XXXX   was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the   XXXX   XXXX   case number  XXXX . The courts shows I wa s discharged XX/XX/XXXX .   XXXX  DBA   XXXX   XXXX   XXXX  was refinanced o n   XX/XX/XXXX ,  whil e I was under wage earner. The new loan is with  XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXXXXXX XXXX  {$1600.00} XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, personal loan, or advance loan

I never got a cashnetusa loan. I've been homeless XXXX to XXXX in XXXX been living in a XXXX XXXX  while working jobs that would only allow me to keep my status of homelessness while living in a rooming house. I lost my car. Lost everything. I think I would remember getting a loan. And I do not believe that cashnet would lend me a large amount of money such as the balance XXXX. Specially if my credit score it poor and I already have a debit with a personal loan for XXXX. Making XXXX a week. I do believe that someone within cashnet has used my information and connected my name to this bogus account. I would like some form of police involved in this investigation. I've tried XXXX XXXX website but for some reason XXXX XXXX playing too many games.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt with Barclaycard which was settled with them In XXXX of XXXX. In XXXX, XXXX and XXXX of XXXX, Ive attempted to get them to correct their reporting and each time they correct a small part of it, only to have it reappear on my report weeks later. This is an egregious disservice to consumers and shows XXXX  has no desire to ensure the proper reporting of financial data, which can ruin peoples lives.
Product: Credit reporting or other personal consumer reports

I settled my account XXXX XXXX XXXX XXXX XXXXXXXX account with XXXX XXXX XXXX On XX/XX/XXXX  with the understanding that account will be deleted from my credit report. I have tried to do this with the bureaus but they just don't do anything
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and to request the immediate blocking and deletion of the following fraudulent accounts and unauthorized inquiry from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts 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 XXXXXX/XX/XXXX
Product: Mortgage

XXXX XXXX XXXX sold my loan to SLS www.sls.net on XXXX/XXXX/2015. XXXX sent my payments during transition via wire transfer. SLS never credited $ XXXX in funds ( transaction # s, dates, times all provided in writing ), then said they would foreclose because we had not paid. Made payments through bank online bill pay and have documentation, next they began returning online payments because the account was closed. Sent XXXX cashier 's checks totaling another XXXX they have never acknowledged payment for and now say we owe them a huge amount of money. They are also not properly paying our taxes which are in escrow in our payment. Our home has $ XXXX in equity in a very desirable area for schools, etc. We know they want to take the property and sell it quickly. We do n't know where to go for advice that is legitimate. 
XXXX XXXX ( XXXX XXXX XXXX
Product: Prepaid card

I received a gift card last year that has an expiration date of XX/XX/2015. My understand of federal law is that it can not expire for at least 5 years. The issuing bank is refusing to re-issue me a non-expired card.
Product: Student loan

XXXX claimed to have high rates of being placed in job after and lied it was a much lower number