23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX XXXX in conjunction with certain lenders have used predatory lending practices, overcharging people for the education- being unclear on the nature of these loans- and the end result are degrees with no value as there is no accrediation and the degrees are bascically worthless.No ability to transfer any credits to further education, impossible loan amounts with high interest, We feel we have been ripped off and left with nothing but a huge amount of debt.
Product: Checking or savings account

On XX/XX/2019 XXXX XXXX took out {$290.00} of my account with out my permission, I notified Chase on XX/XX/2019 when I noticed the transaction to dispute the charge and refund my money. 

Chase had me file a claim on the phone and go into the local branch to file another after telling me they denied the claim because I had done business in the past with this company. I informed them having done business in the past does not give anyone the right to take out of my account without my permission.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I sent in my FTC identity, theft report and provide Equifax with the police report number. They had corrected the issues on my credit and then put them back on the same day as they were able to confirm the fraudulent info is mine. My credit score had dropped again and they said that they verify the debt with the creditor however, the creditor does not have any signatures from me or any validation letters have ever been provided. This is clear evidence of identity, theft. And they still continue to keep placing this on my credit after I provided them with the report.
Product: Checking or savings account

I filed a fraud claim this XX/XX/2021 when I found out that someone charged me {$1300.00}. I called the company before XX/XX/XXXX but I was on hold for more than an hour so i decided to call them the next day which I had to wait for another 2 hours. 

After 2 hours being on hold, I was finally got connected with someone and told them that the 3rd party charged my account with multiple transactions in different days totaling {$1300.00}. So, this company, canceled my previous card and issued a new one and created a fraud claim. 

And I was told that my account would be credit right away. After the phone call, i waited 1-2 business days but I didnt receive a provisional credit that the company promised. So i had to call them 5 days in a row but they were pointing fingers and that even though the claim was escalated, the customer service associates told me that their computer has the final decision if the claim get denied or not. 

Then, today, I checked my mobile bank and found out that my claim got denied without any reason. No calls, emails or text messages.
Product: Debt collection

The accounts XXXX XXXX XXXX is attempting to collect on were opened fraudulently. They refuse to accept that fact and work toward a solution. To continuously call and reopen collection attempts. Ive disputed the accounts numerous times through credit bureaus to no avail. They are attempting to collect on accounts they are not mine.
Product: Mortgage

Rocket mortgage is charging me a fee for non payment when the funds were in the account and my bank was holding payment for suspicion of fraud. There was no fraud, they were my charges and the bank released the account. I should not be charged a non payment fee when the funds were in the account and I had no role in holding the payment.
Product: Mortgage

Towards the end of the underwriting process, I was told that the underwriter would not consider the income coming from my rental properties because I didnt have a years worth of rental. I told them that I had over a year of rental income from both properties. Everything was verifiable. The properties were under my name directly and I had proof of income. I believe I was discriminated against because of my race. A simple refinance shouldnt have been an issue with such a low mortgage amount compared to my income. I sent them all of my documentation and clearly explained to them all my properties and that one of my properties were free and clear from any debt. This is not right and they are making up reasons to not close on my mortgage for the low rate they had promised me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX INQUIRY XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

According to 15 US code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been over XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please remove this item IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 US code 1681b - Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I'm demanding that the listed account be removed IMMEDIATELY!! 

Here are the accounts that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and came upon the alleged inquires from ( XXXX XXXX  on XX/XX/2023 and XXXX XXXX XXXX on XX/XX/2023 ) reporting on my credit report. I declare there is an error, and you have violated my federally protected rights by reporting such false information on my consumer credit report. 

Pursuant to the Fair Credit Reporting Act Compliance procedures 15 U.S.C. 1681e ( b ) Accuracy of report- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have attached a photo of my credit report showing the alleged account and as you can see, all three entries are different with XXXX, Equifax, and XXXX. If the reporting information is accurate, why are all three credit reporting agencies reporting different information? 

It is clear you are not reporting 100 % accurate information. With that being said, the reporting of the alleged account is fraud and is to be removed from my credit report and file immediately. The Consumer Financial Protection Bureau, Attorney General, XXXX XXXX XXXX, and Federal Trade Commission have also been notified of the matter. 

Please take care of this matter promptly.
Product: Checking or savings account

Trust Bank has erroneously been charging me a {$5.00} maintenance fees for the life of the account despite having a social security direct deposit into my account for the life of the account. 

Therefore Truist Bank is deceptive, negligent, and fraudulent with their fees and violating their own account terms and conditions. 

I believe they may be doing this to other customers as well and worth investigating and looking into for a potential class action lawsuit by Consumer Finance Protection Bureau.
Product: Debt collection

I have repeatedly spoken with this company and advised that this is not my debt. I did not open this account and did not use this credit card. I have requested information multiple times to no avail. They claim to send the information but it is never received. They harass me at all times of the day and night via phone, email and text messages.
Product: Checking or savings account

On XX/XX/year> I had {$6700.00} in my Citibank Checking account. I attempted to pay a bill via wire transfer to XXXX XXXX XXXX XXXX for {$6600.00}. I successfully answered questions from the fraud department about the wire transfer. ( I initially missed the call, but I called them back and answered their questions. ) Even still, Citibank canceled the transaction. 

Before this I had {$75.00} in my account. My mom and grandmother gave me another {$6700.00} to pay this bill. 

Citibank sent me a letter on XX/XX/year> stating that they were closing the account and that they would refund me the remaining funds in my account within 60 days. That was 6 months ago and I still have not received the funds from that account. In XX/XX/year>, I went into the branch where I opened the account and asked to get the funds back, and they refused. They assured me that since the account was closed, they will refund the remaining funds in the account at the time of closure within XXXX weeks. But they did not. I have since called Citibank several times and they said they they would return the money to the sources of the transfer to me -- my mom and my grandmother, however they have not returned the money to them either, nor did they return the money I had in there before. I wrote Citibank a letter on XX/XX/year> about the matter and they have not responded. It has been 6 months and they refuse to talk to me, they refuse to give me access to bank statements, they refuse to refund my money, and they refuse to give my mom and my grandmother their money back.
Product: Money transfer, virtual currency, or money service

Someone hacked into my account and sold shares of my crypto on XX/XX/XXXX. I didn't get a notification from Coinbase that a transaction was made ; the only notification I received was that there was suspicious activity on my account ; specifically, there was an attempted ETH trading. So I received a text from Coinbase that if its not me I should let Coinbase know so they " delay '' the transaction. I did so right away and told them I havent done any kind of transaction on my account. Despite letting Coinbase know that the transaction attempt was not made by me, and that my account was " /disabled, the transaction was nevertheless not delayed ; it was completed although you knew it was fraud. 

On XX/XX/XXXX, I received an email from Coinbase acknowledging that my account was indeed hacked and accessed through an IP address. But, you explicitly assured me in the email that " your funds is still in your account since no external sends and withdrawals were made from the said IP address. '' Now we know that Coinbase 's assurance of account security was false.

Once I recovered my account by providing private information and changing my password, I noticed that my account balance went from around {$27000.00} to {$1800.00}. So, clearly, you could understand why I'm completely suspicious of Coinbase 's actions here if my account was purportedly restricted as of XX/XX/XXXX, as you explicitly assured me. If my account was truly restricted and any external sends were " delayed '' and " disabled, '' then obviously the hacker should not have been able to access my account through XX/XX/XXXX and completely liquidate my entire account balance. 

I am filling a complaint with the SEC regarding the events that have unfolded and the false security and suspicious activity on Coinbase 's end. I have proof of all the emails and texts you have sent me regarding the assurance regarding my account security. To make the matter worse coinbase took my XXXX $ remaining balance in my account to cover for unpaid funds for the cryptocurrency the hacker bought from my account and when I mentioned to them that it was the hacker not me, they acknowledged it but they still took my remaining balance. my
Product: Checking or savings account

My bank XXXX XXXX wrote a draft to me th pay off my car loan to XXXX XXXX XXXX. After going over the check and appropriate signatures were attached. I mailed the check the same day via united states postal service. The was XX/XX/2022. I called XXXX Financial services several times asking why my draft ( check ) had not been applied to my account. They assured me that it would be applied and to wait 10 business days. I then called back at the beginning of XXXX and was told that it may have been applied to someone else 's account. I then waited to see if they recovered the funds. They finally called the week of XXXX stating the check was cashed at a Webster Bank and told me to contact XXXX XXXX which is my bank to have them see when it was cashed. I then reached out to my bank and was told it was cashed on XX/XX/2022. I went into XXXX XXXX and began the fraud investigation paper work. Since that time Webster bank has not responded to XXXX XXXX. I am now paying two car payments to two different institutions. My pay off was going to XXXX XXXX. It ended up on the East Coast. Upon XXXX  Webster/Sterling bank they are only on the east coast XXXX I really need help with this matter, this has been a nightmare. Thank you!
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  Balance {$4500.00} XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XX/XX/XXXX
Product: Credit reporting

I was denied a credit card and I opened a dispute with the credit reporting agency ( XXXX XXXX, XXXX ). The information on the report is for a Chapter XXXX bankruptcy that I filed on XXXX/XXXX/XXXX in connection with a car loan. The XXXX only negative item on all XXXX credit reports is this item and is only on from this reporting agency all other entries ( XXXX reporting agencies ) involved with my XXXX XXXX were removed after the seven year period. I uploaded supporting documents from bank that had the car loan and a letter stating my explanation for the dispute and a letter denying me a credit card. I uploaded the supporting documents three days after the date of filing the dispute as per there directions. A decision was made not to change my credit report prior to them receiving supporting documents or reading my letter of explanation. I spent many hours locating the papers to sent and to write and to upload them. Nothing was said about the documents in their response nor was there time for them to read them their decision was made prior to them receiving the papers. It never communicated that they even received them it was on my end though.The process was very hard for the average non-computer savvy person but I took them to work and had the secretary send them no PDF converter at my home computer. I have copies of previous credit reports from this agency that states this item will be removed in XX/XX/XXXX. The newest report states XX/XX/XXXX for this single item from this reporting agency only.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX has violated my rights XXXX XXXXXXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX  XXXX # XXXX has violated my rights. 

XXXX XXXX # XXXX has violated my rights XXXX XXXXXXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX  # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX # XXXX has violated my rights 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
Product: Mortgage

Wells Fargo Home Mortgage My original documents have over 21 signature lines that were left blank. It states there was a closing attorney in XXXX in which there was not one at closing. There was a fee charge according to my documents but no closing attorney was there or closed any loan. 
The California All Purpose Certificate Of Acknowledgement has issues as well because I never sign it nor appeared as stated by the Notary and it would make no sense to why this document was hidden from me by wells fargo home mortgage and why it says corrections agreement and limited power of attorney and why this was done or why. Wells fargo home mortgage ever presented me with no documents or did I agree to any changes or limited power of attorney. I also have US Registered mail sent to wells fargo home mortgage was sent 4 times with no response to various issues pertaining to issues that was dodge and never responded to by Wells fargo home mortgage. Wells fargo home mortgage can not prove or explain to why my original documents that I was giving to me are one way and other documents by wells fargo home mortgage seem forged or adjusted to my documents by image. I have consulted 2 attorneys that have sued wells fargo home mortgage to this same pattern they committed in XXXX on home loans documents. 
I 'm in the process of filing suit on this loan not been legally binding and forged by wells fargo home mortgage and with holding documents to adjust documents with out my consent or knowledge. The instrument/ loan is not legally binding by other issues that never replied back back to years ago that US Registered mail to the issues. I have all the US Registered mail that was sent to wells fargo home mortgage
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX NOT RECOGNIZED XXXX, XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I pulled my credit report today to see if my score had improved based on recent payoffs ( as I am in the process of buying a home ) and come to find out my score had declined significantly. As I clicked through to understand what had caused my score to drop, I saw for the very XXXX time in my life, an outstanding balance of {$49.00}, reported by Trinity Asset Management llc. There is no information about where this " balance '' originated from what so ever. I have never once received any mail, calls, or emails regarding this " debt '' or " overdue '' account. I believe this to be a fraudulent claim and would like to request an investigation to validate that this is indeed not a legitimate claim. If at all possible, please handle this claim with a high sense of urgency, as I will not qualify for my home loan if this does not get addressed and removed form my CR ASAP. I appreciate your help and consideration. If you need to reach me for any reason, please call me at XXXX at any time. Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There were some fraudulent inquiries on my credit report, so I called the XXXX reporting agencies and informed them of my situation. They all told me to file a ftc report which I did and attached my dispute letter, ftc report, ID, SS card and a copy of a utility bill. Its been about XXXX weeks since I've sent this out and I haven't seen any improvement on the removal of these fraudulent inquiries, they are all still there even though i did everything the bureaus told me to do.