23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was a victim of Identity theft. My name and SS number was used to open an account by Goldman Sacks Bank USA in XXXX of 2023. I got an alert on my credit score last month showing account past due for 60 days. I have called Goldman Sacks several time. They were unable to verify my account because my date of birth, email and phone numbers were all wrong in their system. I updated my information and asked for statement to be sent to me so I can see what is going on but they did not send any information. I also filed a complaint on XX/XX/2023 with specialist XXXX and never received a response. It was fraudulently opened and I am very frustrated as it affects my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to dispute hard inquiries on my credit report. Each letter ( 3 ) stated that I did not authorize the inquires on the report and asked them to Remove them. After 3 failed attempts, I sent out letters to all companies that I did not authorize a transaction with and they stated they did not have an account for me and sent a letter to the reporting agency confirming that it did not belong to me and a removal from my report would be a sufficient action. After waiting over a month for the inquiries to be removed, I called each company with said inquiries to confirm the process was complete. After being denied lines of credit due to excessive inquiries that were not authorized, I decided to file a complaint. The inquiries are : XXXX XXXX XXXX XXXX X/XX/16 XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX XXXX XXXX XXXX  X/XX/16
Product: Bank account or service

I transferred money to my friend ( A ) using Bank of America mobile banking. I put in phone number and full name when I submitted a transfer. My friend ( A ) thought his phone number was registered with BOA mobile banking because the banking center told him he could use him number for mobile banking when he was opening his account. Also, he got text messages confirming the transfer and that his account would be credited. However, the money did n't go into his account but went into different person 's ( C ) account because that person 's account was registered with that phone number. So I explained to BOA about the case and they said they would start the investigation. They told me that they have to get a verbal authorization from the person who has the money ( C ) in order to take money and give it to me. However, they told me that they had to deny my case because they could not contact the person who has the money ( C ). They said they could only contact them via phone, but that phone number is now owned by my friend ( A ) so every time they called, my friend answered the phone. I asked BOA if they could send the person who has the money ( C ) an email or actual mail asking him/her to give the bank a call about the case, but the bank refused to do so. They said they can not do that. They said I have to take a legal action in order for them to release other information such as address or email address of the person who has the money ( C ). I complained about the fact that the money went into a different person 's account even though I entered the name of the person I intended to send money to ( A ) ; however, the bank said that they only use the phone number to match the account and the name is only for my reference. As of now, the bank is not cooperating to contact the person who has the money. There is no way for me to contact that person because I do n't know anything about the person besides the fact that his/her old phone number is registered with the account so my money went into his/hers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax They need to pay for their negligence. My personal information has been compromised. There is no way to tell the extent of the damage. My identity could potentially be stolen for the rest of my life now. Because of this scam we call credit in the USA, Equifax has all of my personal information WITHOUT my consent and now it is in the hands of criminals. How is this legal? I can go on and on about the problems that exist in this situation. But, will anybody care enough to do anything? Hey CFPB, do your job and protect the people! This company deserves bankruptcy, no such thing as too big to fail. If I was personally responsible for such a breach in security, I 'd be rotting in jail, why are n't they?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account Number # XXXX ( XXXX XXXX XXXX ) Account Number # XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number # XXXX ( XXXX XXXX ) Account Number # XXXX XXXX XXXX XXXX  ) Account Number # XXXX ( XXXXXXXX XXXX XXXX Reference number # XXXX ( XXXX XXXX XXXX XXXX ) 15 U.S.C 1681 SECTION 602 A. States i have a right to privacy.

15 U.S.C 1681 SECTION 604 A. States a consumer reporting agency can not furnish a account without my written consent.
Product: Checking or savings account

Hello team, Can I raise a request with you to send me in PDF format bank statements for the year 2022 from XXXX till when you closed my account. 
I need them for bookkeeping purposes. 
Account Name : XXXX Type : XXXX  Checking ACH/Bank Routing Number : XXXX Account number : XXXX
Product: Student loan

I was on an income based plan and applied for the save plan. They denied my request and put me on standard repayment without my approval.
Product: Credit reporting

XXXX XXXX XXXX : Account was Paid in full and it was agreed to be deleted from the credit bureau upon full payment. It is still appearing on the credit and with a balance. Please correct.
Product: Debt collection

Someone has found their way into opening up new accounts in my name that ARE NOT mine. Bankruptsies are also showing up on my report that are fraudulently reporting against me past the statute of limitations on top of that! I reported this to Experian and XXXX & XXXX on both XX/XX/XXXX and XX/XX/XXXX. I mailed formal letters, a police report, ID forms, and an FTC affidavit stating these were fraud and must be removed. We are more than 45 days past the legal investigation time period. No valid documentation has been provided to me that these are mine.Bankruptsy ref # XXXX, XX/XX/XXXX, XX/XX/XXXX, {$0.00}, Bankruptsy ref # XXXX, XX/XX/XXXX $ XXXX,XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX SVC acct # XXXX XX/XX/XXXX {$7900.00}, XXXX XXXX XXXX acct . # XXXX XX/XX/XXXX, {$160.00}, XXXX XXXX XXXX XXXX Acct. # XXXX XX/XX/XXXX, {$0.00}, XXXX XXXX XXXX Acct. # XXXX XX/XX/XXXX, {$7900.00} INQUIRIES NOT MINE : XXXX XX/XX/XXXX, XXXX, XXXX card XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX PLEASE REMOVE IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 60 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 45 days is a reason to remove those things off my credit report immediately. It has been over 60 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Product: Student loan

My federal student loans were held with Fed Loans. I submitted the paperwork as instructed for the PSLF program. However with each submission/recertification, my date for loan forgiveness was pushed back 6 months, for a total of 18 months from the original date ( XXXX XXXX  ). I was never given an explanation for why this happened, nor was the date corrected in spite of making payments on time as instructed. However now Fed Loans has been found guilty of misleading customers. I, as one of those customers, refinanced my student loans privately to prevent interest accumulation due to the dates changing. Yet I did so on false information. Now that Fed Loans has in fact been found guilty of defrauding customers, and customers are now getting credit for payments with corrections made, I would like for Fed Loans to reassume my loans so that I may have the benefit that I was promised initially.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I contacted XXXX XXXX XXXX services. I made them aware of a 30 day late payment that was being reflected on my credit report. I told them this confused me as the card was paid in full in XX/XX/2023 and I have not used the card. XXXX confirmed that the amount shown on the card was for a recurring charge ( that should not have posted ). XXXX, 1 ) corrected the account 2 ) refunded the late payment they charged and 3 ) notified Experian that the 30 day late should NOT be on my credit report. Experian initially removed the 30 day late from my credit report. At that time XX/XX/2023 I had an XXXX credit score with Experian I then contacted XXXX to close the card to ensure I did not have any further credit recurring charges, breaches or other issues. When XXXX notified Experian in the next round of monthly updates that the card was closed, Experian then updated my file to reflect the XXXX card being closed and at the same time CHANGED THE XX/XX/2023 payment back to a negative reporting result. 

I then contacted XXXX to determine if this was an error or possibly even a retaliatory action on XXXX 's part because I closed the credit card. XXXX was very helpful and I spoke with 3 different representatives in 3 different departments, ( recording each call ) and confirming that ALL 3 DEPARTMENTS CONFIRMED that there should be NO LATE PAYMENTS REFLECTED ON THE ACCOUNT. I notified Experian Experian has refused on 3 separate occasions to update and correct the information. Please know that should I not be able to resolve this issue with Experian with the help of the CFPB it is my intention to seek the advice and support of legal counsel to use all of the avenues available under the law to ensure that Experian follows their legal obligation to provide accurate information.
Product: Credit card or prepaid card

Please see complaint XXXX After numerous attempts to have my monies returned, no communication from Chase, and no action, I disputed the charges with my bank and the monies were returned. I have now received a notice from Chase that I owe them the money that they unlawfully took from my checking account, without my permission, on an account in good standing with a XXXX balance. I contacted Chase on XX/XX/2021 at XXXX EST to report the issue once more and to explain the activity. After XXXX XXXX minutes on the telephone with XXXX different people, I was told that an administrative complaint was now processed and that someone would get back to me. Whether this is a truth in lending violation or just really irresponsible service, this is horrible and I am seeking some assistance please. Someone needs to hold this company responsible and a consideration of penalties should be exercised to the most restrictive extent. Chase should be embarrassed by such poor customer service.
Product: Checking or savings account

I signed up for a new account with Truist on XX/XX/year> with an promo code XXXX. 
In the terms it does indicate the account can not be below XXXX at the time of review for the XXXX bonus. 

My account did go negative and I was never notified of this. 

I proactively deposited XXXX via XXXX into the account which would have covered the negative balance but it automatically was placed on hold and never credited. 

I tried to log into the website to check the account on XX/XX/year> and was locked out. 
There was no option to log back in and a request to call back the next business day. 

I feel as though Truist intentionally did not notify me of the negative balance which they are required to notify you off. 

They then intentionally held my deposit to prevent the account from being brough back current They intentionally locked me out of my account so that I was unaware of what was happening with my account which would all allow them to find grounds to not pay the bonus that was suppose to be awarded to me. 

These practices seem unfair, unethical and misleading and I am requesting my due XXXX bonus from them
Product: Debt collection

I was contacted by email by LVNV Funding LLC, .of XXXX XXXX XXXX, XXXX XXXX, XXXX , KS XXXX, claiming that i owe {$760.00} to a financial institution named XXXX , i have never had any kind of credit/debit or loan accounts with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquires on my credit that I want removed! 

They werent opened by me!
Product: Debt collection

Dear Sir/Madam The following companies bellow, have respectively put a collection notice for two different amounts on XXXX XXXX dated the XX/XX/2019 Claiming I owe this debt that I have no recollection, nor any business transaction with said companies. If this was an old dept that was from years ago, I would like to know why now? why does it show up on my credit report a week ago without any notice. I am in the process of buying a house and now my credit is damaged, down by 27 points due to this unexpected reporting. These two companies have to show proof of contract with my signature, that prove I have any direct transaction with them respectively. I never received any communications with them via mail nor have I received any phone calls discussing any old dept. To your knowledge there has never been any correspondence from original creditor nor these collection agencies, that show in writing any amounts due. This is the first time I see these collections that showed up in my records last week. I need these two companies out of my record as they have in my opinion broke some state laws or statutes. 

Her are the two companies in question. 
Creditor Information *Creditor Information CAPIO PARTNERS XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Collection amount {$1200.00} *Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Collection amount {$580.00}
Product: Debt collection

On XX/XX/XXXX I signed a lease in XXXX XXXX for for 13 months called the XXXX XXXX XXXX Unfortunately the lease was broken and I only lived there 1 month due to XXXX   XXXX. I was helping a girl that was homeless of XXXX XXXX that was involved in the largest mass shooting in country from XXXX XXXX XXXX on XX/XX/XXXX I was threatened by the Venue apartments for noise, they cut my bike lock off and stole my bike and called police in which I was released after 1 hour. 
So months went by and I got a bill from XXXX in XXXX Wa for a bill over XXXX I was emailed by XXXX XXXX stating that I need to pay the bill.I then hired a attorney in which it was agreed that my balance would be {$1000.00} in which payments were made. 
On XX/XX/XXXX I received notification that XXXX forwarded a balance owing to XXXX XXXX XXXX IN Industry Type Other Collection Agencies Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Creditor Preferred Contact Other Account Number XXXX Account Balance {$2500.00} Payment Status Collection/Chargeoff This information is false on my credit reports and should be removed.
Product: Checking or savings account

IVE had a problem with this company before [ XXXX ] XX/XX/XXXX XXXX XXXX  withdrew funds from my account back in [ XX/XX/XXXX XXXX and XXXX and XXXX a dispute was file the total amount was return to my bank account capatil one bank, XX/XX/XXXX XXXX  posted a bill for {$900.00} and was paid this was for the funds for the {$200.00}, {$250.00}, {$250.00} paidXXXX  XXXX XXXX XXXX XXXXXXXX withdrew {$710.00} from my bank account again when XXXX received the total amount back in XXXX XXXX they should have contacted XXXX that the bill was paid they didn't and now XXXX have been over paid because XXXX XXXX  and XXXX didn't communicate with one another, now i want a refund.
Product: Credit card or prepaid card

On XX/XX/2018, I made an online payment from my XXXX account to my TD VISA ( a  transaction that I've made monthly for over a year ) for the amount of {$3600.00}. After several days of not posting on my TD VISA account, I contacted XXXX and TD to determine what was happening. XXXX informed me that they have proof of payment, the funds were electronically withdrawn from my account, transferred electronically to TD VISA and were withdrawn by TD VISA. I also went online and saw the proof of payment document confirming what XXXX reported. However, TD VISA states that they have no evidence of the electronic payment and that they do not accept electronic payments, XXXX is supposed to send TD VISA a paper check for the amount. This was news to XXXX when I informed them of this ( TD VISA has never informed them of this and if it was the case, TD VISA should have rejected the payment ), and they noted that all of my payment electronic transaction from XXXX to TD VISA in the past were made via electronic transfer. XXXX is in the process of mailing the proof of payment document to TD VISA to show that TD VISA in fact did accept and withdraw the funds. I am very concerned that this is going to become an issue with neither institution accepting responsibility. Also, I made a second payment to completely pay off my card for {$17.00} and it is having the same issues. XXXX is also in the process of mailing this as well.
Product: Credit reporting or other personal consumer reports

Account was open in my name due to fraud and it is affecting my credit score! I have not supplied proof under the doctrine of stoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with and applied for a forbearance with XXXX XXXX  on XX/XX/XXXX. due to COVID related difficulties still dealing with and having troubling gathering my mortgage payments, but have not been late on any payments as of yet. Now comes XXXX and they report a late payment on my credit report after me disputing it two times with documentation of the forbearance and they refuse to make any corrections. I have had nothing but issues every time I try to contact this company and they consistently lie about their services and things there say they will process. I'm at a loss at what to do at this point, so hopefully the CFPB will be able to intervene and get something solved in this matter. Once I realized I needed assistance I applied for assistance through the Indiana HAF and they approved my request and informed freedom mortgage they were going to assist me on XX/XX/XXXX. I was able to make all payments on time even though in a forbearance without being 30 days late until that date remind you, the they started getting payment from the Indiana HAF.
Product: Credit reporting, credit repair services, or other personal consumer reports

DUE TO BEING A VICTIM OF IDENTITY THEFT, BECAUSE OF **EQUIFAX DATA BREACH ( CCRA ) ** I SWEAR TO TELL THE TRUTH AND NOTHING BUT THE TRUTH IN REGARDS TO THIS MATTER. I HAVE BEEN SUFFERING FROM THIS BREACH. ///MAKING POLICEREPORTS//// HAVING TO FREEZE MY ACCOUNTS///MY MAILBOX HAS BEEN BROKEN INTO. CHECKS HAVE BEEN STOLEN AND CASHED. {$10000.00} MONEY ORDERS TOO AND ON OR AROUND XX/XX/2020, SOMEONE USED MY IDENTITY BECAUSE OF THIS BREACH, TO PURCHASE XXXX XXXX XXXX XXXX FROM XXXX XXXX XXXX IN THE AMOUNT OF {$8700.00} I HAVE SPENT HUNDREDS OF DOLLARS, TRYING TO COORECT THIS MATTER IN GAS//MILEAGE/ COPYS/FAXES/ POST OFFICE MAILING. I ASK OF YOU IN YOUR CAPACITY, TO HELP ME ALLOCATE MY EXISTING PROBLEMS AND DILEMMA OF FURTHER LIABILITY
Product: Mortgage

I received my escrow statement from the mortgage company that acquired our new loan from the originator bank. The escrow statement had my escrow shortage at {$840.00} and listed my county property taxes at {$4200.00}. This was going to increase our mortgage payment by {$280.00} a month. I knew that the county taxes were incorrect. I contacted the mortgage company and told them it was incorrect on XXXX XXXX. They told me to contact the county and then it should n't be a issue. I did this and even printed out the current county tax bill which is only {$2100.00}. I then called the mortgage company back and told them. They advised to fax the bill in and they would tax care of everything. I advised I was trying to take of this matter prior to XXXX XXXX when the next bill would be due. I called back every few days and kept getting the run around that someone was working on it and that they did receive my tax bill. I continued to do this until around XX/XX/XXXX when a rep advised that the case was closed and that they were n't going to do another escrow analysis until the next cycle, which would be XXXX 2017. I told them I was n't going to be paying double my county taxes for the next year to only get a refund in 2017. I knew that they could fix this. I 've been with another mortgage company for over 7 years. So I requested to speak with a manager. A manager finally called me back late that evening. She acted like she understood me and that she was going to get everything fixed. I 've since spoken with her a few times and each time have to re-explain the issues. Today XX/XX/XXXX, she called me back and thought that my complaint was that I had to pay the {$2100.00} on top of the {$4200.00}. I again explained I was being charged double and wanted to get the payment corrected so that I could make my regular monthly payment amount. She again advised that she was trying to get the issue fixed and waiting on new people. 

I feel that they are n't understanding what is needed to be fixed and that this is just going to continue.
Product: Checking or savings account

I, XXXX XXXX, wrote a XXXX XXXX dollars check to my relative, XXXX XXXX XXXX on XX/XX/XXXX. She successfully mobile deposited the check on XX/XX/XXXX with her XXXX XXXX XXXX checking account. However, it seems like her check was lost or stolen and someone else deposited the check again in XX/XX/XXXX. HSBC denied to provide any helpful information regarding the deposit on XX/XX/XXXX. Instead, they simply request credit from my relatives bank  account and credit my account. Clearly, my relative was not at fault. HSBC shouldnt allow a forged check to be processed. HSBC should honor the deposit on last XXXX and go after the one on last XXXX and return the fund to my relatives account immediately. Thanks.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 XXXX 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.