23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a XXXX XXXX that received student loan assistance from my employer. My loan servicer ( Mohela ) received and endorsed a check for approximately {$8300.00}. This payment was received this payment XX/XX/year>. As of XX/XX/year> this payment has yet to be applied to my account. After at least XXXX  times calling to check on the status. A supervisor of Mohela ( XXXX ) ID # XXXX informed me that my payment was applied to another loan borrower account. According to XXXX, the other loan borrower account, to which the payment was made, we share the same XXXX name but different last names. In addition, my first name, middle initial, and last name and the last XXXX of my SSN was listed on this on the check. I am seeking assistance with this matter as this is fraud. Hoping I can recoup the funds that are meant for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX DEPT OF ED/NAVIENT-Balance $ XXXXDate Opened : XX/XX/XXXX DEPT OF ED/NAVIENT-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX. XXXX-Balance $ XXXX-Date Opened :XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported an unpaid medical debt to the 3 major credit reporting agencies. I recently was denied an extension of credit because of this information. I have contacted this company at multiple addresses since as early as 2016 and they refuse to validate the debt. 

I went to the hospital that allegedly provided services to me and the date of the services allegedly provided was a date that I could not have been provided services as I was in California. 

This company is reporting the false debt under 2 different names.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, 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 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.

These inaccuracies are preventing me from buying a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2010 I received an ALERT email from Experian. My credit score went down 20 points. I reviewed my credit report and found the mortgage reporting business XXXX, XXXX is a creditor side monitoring service. My existing creditors may use them to watch for " triggers '' on your reports. Triggers include mortgage apps, bks, late payments, other inquiries, and more. They pull my report and alert their customers if something changes. Experian doesnt dispute hard inquiries. Even if I didnt authorize a credit check. Im seeking to have XXXX removed from my credit report and reinstatement of my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account XX/XX/XXXX and XXXX XXXX  account XX/XX/XXXX showing in collection which was paid off immediately. I was not aware of the amounts I owe due to the address change and never received the bill. I would appreciate it to be deleted as a collection accounts.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a 1099-K form from Cashapp for an egregious amount of money. They claimed that I have received several XXXX  of dollars in third part payments over the course of 199 transactions all from XXXX. I have never made that much money in this year let alone in XXXX. When I received this tax form in the mail I remembered a few months ago I received one or two cashapp " debit cards '' in the mail that I did not request along with a few emails saying " Don't forget to activate your card. '' I never did anything with these cards because I figured as long as I don't activate it the Debit Account probably doesn't exist/ the card isn't active. I called Cashapp on XX/XX/XXXX and received no help at all. I tried to explain the situation I was in and how I received an incorrect or fraudulent tax form and all they could offer me was " cashapp does not give identity theft advice and here is some resources for you '' in an email. They also opened a complaint but I haven't received a confirmation about it or had any follow up on it. Cashapp refused to look up my name to see if they are fraudulent accounts in my name with out an email, phone number, or cashtag/username. Of course I don't have the cashtag for fraudulent accounts, they're fraudulent. I also explained that someone could open an account claiming to be me with a different phone and email and they still refused to look into the situation. They are knowingly inhibiting an environment for fraud and scams to occur and do nothing about it when the consumer reports it to them. The first step in any identity theft is to contact the company and get them to close or freeze any account in your name and they refuse to do that. How am I supposed to go forward with fixing my identity without cashapp cooperating. I feel that if someone can open an account with just my name then I should be able to see what accounts are open with just my name. For all I know there could be a lot of accounts in my name.
Product: Mortgage

For almost XXXX ( XXXX ) months I have been trying to get information in about charges on our account that we feel are an attempt at XXXX payment the XXXX XXXX months they would tell me that I nad to contact XXXX for that information and XXXX told me that they sold the account to Caliber Home Loans and I would have to get that information from them.All this time they would insist that I had to pay over {$20000.00} and that they could not take a one month payment on this account. Then for the next XXXX months they gave me a song and dance about this account could not bee discussed because it was in a bankruptcy that had been discharged in XXXX of 2010. It was n't until I had a friend, who happens to be an attorney, call them. they told me who to contact for this information. In the mean time they said they sent a certified letter in reguard to the payments however we never received this letter. Then they said they sent it to the attorney that I had call them, however he never received any letter either and that we had to pay overXXXX to stop the forecloser process. And that they have until XXXX XXXX to supply me with the information that we requested. We feel that this is an attempt for Caliber Home Loans and XXXX to defraud XXXX CITIZENS. And to date they have not sent the information, However they have sent a letter about bankruptcy discharge as if it just accurred. and they have sent a person to take pictures of our home. this means that they are more interested on legally stealing our home instead of letting us resolve this matter and paying off this loan, aswe have been trying to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

My funds have been locked on Binance.US EXCHANGE I have been submitting tickets to them and trying to contact them online on every single platform for the past 3 weeks I can not exchange trade withdraw or deposit I have no control over my funds what so every and the worst part is its frustrating to get a hold of them as if they dont even recognize their customers. 
They locked the account for no reason what so ever the problem is not from me its all their problem and now I am losing money and have been losing money for using their service and trusting them.
Product: Debt collection

Jefferson capital is from a XXXX bill that my daughter put in my name without permission. I told them this i sent the phone back in 14 days there is no way i have a bill
Product: Debt collection

Avante USA has reported a collection to the credit bureaus claiming that I owe {$1900.00} to XXXX. I've never had an account with XXXX XXXX. This erroneous claim has caused a drastic decline in my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX  XXXX BANKRUPTCY XXXX XX/XX/XXXX inquires requested on XXXX  XXXX XX/XX/XXXX inquires Requested On XXXX  XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions
Product: Checking or savings account

I AM FILING A COMPLAINT AGAINST ROBINHOOD INVESTMENTS. ROBINHOOD HAS PLACED A RESTRICITION ON MY ACCOUNT AND WILL NOT GIVE ME A REASON AS TO WHY OR ANY ANSWERS IN REGARDS TO THE RESTRICITION.

I HAVE AN OLD BANK ACCOUNT THAT IS STILL ATTACHED TO MY ROBINHOOD ACCOUNT THAT I HAVE MADE SOME TRANSFERS FROM ( SOME INTENTIONAL AND SOME ACCIDENTAL ) SOME TRANSFERS CLEARED, SOME DID NOT CLEAR DUE TO FUNDS BEING TAKEN OUT OF THE ACCOUNT FROM XXXX SEPARATE COMPANIES THAT I HAD REQUESTED STOP ACH WITHDRAWALS THAT CONTINUED TO DRAFT MY ACCOUNT CAUSING SOME OF THE TRANSFERS TO RETURN ( I CAN PROVIDE DOCUMENTATION WHERE I STOPPED ACH PAYMENTS WITH THESE COMPANIES BEFORE THEY CONTINUED TO TRY TO DRAFT THEM OUT OF THE ACCOUNT ) I ALSO HAVE A DEBIT CARD THAT IS CONNECTED TO A BANK ACCOUNT THAT WAS LOST AND REPLACED. I SENT ROBINHOOD A LETTER FROM MY BANK STATING THAT THE DEBIT CARD WAS REPLACED AND BOTH CARDS WERE CONNECTED TO MY MAIN BANK ACCOUNT.

HOWEVER, ON THIS SPECIFIC DAY THAT ROBINHOOD PLACED THIS RESTRICTION ON MY ACCOUNT, ALL FUNDS WERE SETTLED EXPECT FOR {$1000.00} THAT WAS NOT USED DURING THIS TRADING DAY. I HAVE THE DOCUMENTATION SHOWING THE BUYING POWER NOT BEING USED WHICH MEANS THE BUYING POWER THAT WAS USED WAS ALL CLEARED AND LEGIT FUNDS..

I HAVE SUBMITTED BOTH BANK STATEMENTS TO ROBINHOOD, A LETTER FROM MY BANK, A SCREENSHOT FROM MY BANK SHOWING WERE THE LAST DEPOSIT WILL CLEAR AND THE FUNDS WERE THERE WHEN THE TRANSFER WAS MADE. THEY REQUESTED A STATEMENT FROM MY DEBIT CARD WHICH I HAVE NEVER EVEN HEARD OF. THE DEBIT CARD IS CONNECTED TO MY BANK ACCOUNT THAT I SUBMITTED TO THEM AND THAT MY BANK PUT ON THE LETTER THAT I SENT OT THEM I CAN NOT GET ANY KIND OF ANSWERS FROM ROBINHOOD IN REGARDS TO MY ACCOUNT OTHER THAN " IT IS UNDER REVIEW '' I CAN NOT SPEAK TO A REPRESENTATIVE HANDLING THE FILE, I CAN NOT GET ANYTHING FROM THEM OTHER THAN A GENERIC EMAIL. I HAVE BILLS THAT NEED TO BE PAID WITH THIS MONEY THIS WEEK AND ROBINHOOD WILL NOT GIVE ME ANY DIRECT ANSWERS. DESPITE THE PROFITS I MADE ON THIS ACCOUNT ON THIS SPECIFIC DAY, THE FUNDS THAT WERE IN THE ACCOUNT WERE CLEARED AND LEGIT FUNDS THAT WERE FROM MY MAIN BANK ACCOUNT AND DEBIT CARD. I HAVE READ MULTIPLE STORIES ONLINE IN REGARDS TO THE SAME ISSUE WHICH IS HOW I ENDED UP HERE FILING THIS COMPLAINT. I AM TERRIFIED THAT ROBINHOOD IS GOING TO RESPOND AND TELL ME THAT THEY CAN NOT VERIFY THE LEGITAMCY OF MY FUNDS LIKE THEY HAVE DONE TO THOUSANDS OF OTHERS AND CLOSE MY ACCOUNT. I DO NOT CARE IF THEY CLOSE THE ACCOUNT, I WANT MY FUNDS RELEASED TO ME FOR WITHDRAWAL.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been asking for relief for several years. Loan was originated with XXXXXXXX XXXX several years ago and has been sold several times. I was told in XXXX of 2022 the loan was current-The are now saying it is delinquent and wont let me make a payment unless its for the full $ XXXX. I don't have that money but will pay {$2000.00}. They wont accept any payment at this point. I don't know what to do at this point. I have somebody will to buy the house but i cant make any payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are all reporting lates on my Federal Loan accounts that should not be reporting. My accounts were in deferment at this time and there should not be any lates reported. I have proof attached that the accounts were in deferment and the bureaus are reporting inaccurately on these XX/XX/2019 lates. I would like all these lates removed from my accounts.
Product: Money transfer, virtual currency, or money service

All money returned, I have been having problems with about returned cash money have been taken cash app sent out money my account I went to report and couldnt get throw and lost money I looked for number to contact no number then received a number and couldnt get throw to a representative to solve problems
Product: Debt collection

On XX/XX/2022 I made a settlement payment to XXXX in the amount of {$710.00} to settle the outstanding balance for my XXXX XXXX  account. On XX/XX/2022, I uncovered information indicating XXXX may have billed me in error. Specifically, XXXX may have billed my account while and after a different account was active at the service address associated with my XXXX account. On the XXXX I contacted XXXX to resolve this issue but XXXX refused to furnish additional information that would confirm or deny whether I was billed in error. Also on XX/XX/XXXX, I initiated a dispute via XXXX XXXX regarding the {$710.00} payment made XX/XX/XXXX. I provided to XXXX XXXX the evidence that I may have been billed in error, and disputed the payment on the grounds that XXXX had not been able to resolve my concerns. On XX/XX/XXXX XXXX XXXX acknowledged receipt of the dispute and, in accordance with their dispute procedures, temporarily returned the {$710.00} payment while they awaited a response to the dispute from XXXX. As of this writing, XXXX has not responded to the dispute initiated via XXXX XXXX. On XX/XX/XXXX XXXX reported my account to the XXXX and XXXX credit bureaus as " in collections, '' and on XX/XX/XXXX XXXX engaged debt collector Convergent Outsourcing , Inc. to attempt to collect the purported debt. On XX/XX/XXXX I contacted XXXX in writing to ask they respond to my concerns and correct the derogatory credit bureau reports. XXXX replied XX/XX/XXXX, failing to address my concerns and refusing to provide any additional information. I believe I may have been billed in error and thus do not owe this debt, and have made repeated attempts to resolve my dispute with XXXX and their debt collector.
Product: Debt collection

Dear Sir/Madam, I am unaware of this debt. 
I am writing to dispute the validity of the debt you claim I owe, as I have never received any notice regarding this debt. 

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of the debt within five days of the initial communication. However, I have not received any such notice from your agency.

Without proper notification, I am unable to verify the accuracy or legitimacy of the debt in question. Therefore, I demand that you provide me with documentation supporting the existence and validity of this debt, including the certified receipt proof of the initial notice sent to me with my signature on it showing i received the proper notification. 

Until such time as you can provide adequate documentation and verification of this debt, I consider it disputed and request that you cease all collection activities. 

Please respond to this dispute in writing within 10 days, as required by law.
Product: Mortgage

This is the XXXX time I am contacting the CFPB in an effort to assist with my short sale. I have ha an active office into Chase since the end of XX/XX/XXXX. It is now the beginning of XX/XX/XXXX. 
Over the last five months my husband and I have provided every piece of information requested promptly and have attempted to help this process move along. 
As of XXXX we had not received any update from Chase for close to two months, at which time we submitted a CFPB complaint. XXXX XXXX from their Executive Office contacted me within two days. After some back and forth she advised me our file was " lost '' within underwriting and it had stalled their for 30 unnecessary days. She assured me the file had now moved on to the next step and she would assist us throughout the remainder of our process. 
At this time, I have left XXXX messages for XXXX, none have been returned. The last time we spoke was toward the end of XX/XX/XXXX. I called the Executive line and attempted to speak with anyone, but I was told only XXXX could assist me. The gentlemen I spoke with said he would email her and CC her manager with a request to call me back ... That was the beginning of XXXX. No word from XXXX. 
My file moved to a negotiator, XXXX XXXX, XXXX XXXX. On XXXX XXXX he spoke with my realtor advising we needed a new evaluation on the property. This have been completed but now XXXX is advising that our file has been pulled into some mysterious internal audit. He is very cryptic stating he does not know what the audit is for, why it was pulled and that he nor his manager can speed it along. I have spoken to XXXX XXXX times within the last ten days, each time he states he expects the file that day. 
My husband and I did not make the decision to short sale lightly. It was with a heavy heart that we realized we could not maintain the home or provided the needed repairs due to it 's age. We wanted to do the right thing my completing a short sale versus just foreclosing. However, Chase is prolonging this process at every turn and almost seemingly forcing us into foreclosure after months of negative credit reporting due to their poor internal processes. 
My husband and I have been maintaining utilities on this property and general maintenance since we moved in XXXX. With it now being XXXX, this is becoming a large financial and emotional burden on our family. 
All I am asking for is your assistance in finalizing this short sale process. I have called every number available to me and get no where. Again, please acknowledge that even the individual assigned to assist me in the Executive Office has failed to maintain contact. 
Please, any assistance you can provide in finalizing this process once and for all would be welcome. I am fearful this buyer will walk if the process goes on much longer.
Product: Money transfer, virtual currency, or money service

Lost money between two bank accounts ACH external transaction I initiated {$550.00} ACH external transaction from AMEX checking account ( XXXX ) to Citi Bank savings account ( XXXX ) on XX/XX/2023. 

Citi received the money on the same day ( XX/XX/2023 ) but automatically reversed the money back to Amex two days later ( XX/XX/2023 ) for unknown reason. I didn't authorize this. 

But Amex did not receive the money. My money went to nowhere. 

Reason for the money reversal : Citi : there was not enough money in Amex checking account Amex : Money was enough. We didn't inquire to reverse. 

Investigations : Citi : Citi started two investigations and confirmed the money was reversed back to Amex Amex : We did not receive the money. We can't start investigation because the transaction is not on our end. 

Result : I lost the money. {$550.00}.