23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX - I made multiple calls to XXXX XXXX XXXX to ask to be provided the date the account went delinquent and dates and amounts of payment received on the account. They refuse to provide me this and send me back to the provider ( Iowa Student Loan ) They took legal action on a loan that was taken out in XXXX, 19 years about - well past the 10 years allowed on a promissory note. 

XX/XX/XXXX - I called Aspire ( Iowa Student Loan ) requesting a print out of the account that details the payments made and dates, they refused to provide me this information. I asked for the date that the account went delinquent, again they refused to provide me this information. They sent me back to XXXX XXXX and XXXX for answers. 

It is ILLEGAL to take action on time barred debt, which both companies are doing and neither will provide me the documentation I am legal owed.
Product: Checking or savings account

I have filed a dispute three times with PNC bank. The first was in XX/XX/XXXX after I received notification from XXXX that they had filed for bankruptcy. It was denied by the bank for not enough information. I put in a second request in XX/XX/XXXX and provided documentation to support my claim and it was denied again. I provided documentation from the lawyer in which it states that by law the bank has to refund my money due to the company filing for bankruptcy during the third request two weeks later. Nothing but the same circle from PNC. They have been provided with the chargeback codes and everything but they are just sitting on it.
Product: Debt collection

Between XX/XX/2021 and XX/XX/2021 I received 82 phone calls from Navient using 8 different numbers. I have spoken with them and attempted to address the issue and there has been no change. There were occasions in which there were 5 calls in one day some of the calls separated by 60 minutes.
Product: Debt collection

This was not sent in error XXXX XXXX XXXX consumer by law at XXXX  information XXXX XXXX XXXX misused at XXXX  I have some false at not 100 % accurate XXXX XXXX XXXX Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Product: Checking or savings account

MULTIPLE FRAUD CHARGES FROM XXXX TO MY WELLS FARGO CARD. 

I dont use XXXX, i use XXXX XXXX im out of a lot of money and trying to get in contact with XXXX  support leads me nowhere. 

Never had any issues with Wells Fargo before but this needs to be fixed ASAP. 

- XXXX
Product: Mortgage

I have a mortgage with Mr Cooper I sent all documents for flood insurance at time of purchase. Our HOA provides flood ins and we pay monthly. After the loan was a year old, i pay by billpay from XXXX XXXX and it is set every month. With out my knowledge Mr. Cooper bought flood insurance on this get this, a third floor unit. As soon as my payment hit on XXXX I was hit for a late payment because they raised my escrow to pay for insurance i did not need. It was XXXX before renewal was sent to me by them and i fiqured out what was going on. I saw what they did and called customer service. I presented to them the certificate of insurance from my HOA and they cancelled and because of the overcharge my balance is {$4600.00}. They only pay the taxes and not until XXXX is it due and is only {$1500.00}. Now they are still taking money every month for escrow, {$150.00} i believe and are refusing to return or apply the extra money collected in escrow. I asked for the money to be returned or applied to the principle. They refused and said they would reevaluate in XXXX. Holding my money without compensating me is wrong and i want it returned or applied to principle. 
Thank you for any help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry:XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express opened a business card for one of my businesses ( XXXX XXXX XXXX ), and waived the personal grantor clauses. This statement was repeated to me on ever phone call. Currently, they have listed the debt on my personal credit. The business is incorporated, it has an XXXX, and a XXXX  XXXX  XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Please delete these accounts from my credit report if you can't provide these 4 things below 1. The Original Contracts With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchants ) 3. The Payment History and Itemized Billing Associated With These Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 1. Account Name : XXXX XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX 4. Account Name : XXXX XXXX XXXX  Account # XXXX
Product: Money transfers

Regarding : MONEY GRAM On XX/XX/2017 at XXXX ; XXXX PST, I went to a Money Gram store to send money to my aunt in a rural town in XXXX, I sent {$100.00} Us dollars. I have the receipt and confirmation number which will be attached. My aunt XXXX lives in a rural area of XXXX, XXXX, XXXX which does not have a town market nor does she own a personal telephone. She was not given the the reference number for approximately 1.5 weeks ( because she had no access to a telephone nor ride to pick up the money ) when she was able to get a ride into the nearest town of XXXX, XXXX, XXXX. When she arrived to XXXX at the XXXX she was told the money was already picked up the same day the money was sent, at XX/XX/2017 XXXX. This was impossible since she nor anyone else had the reference # until the day she went to town. I immediatelty contacted Money Gram to make a complaint and get a refund or find out what happened to the money I tried to send my aunt to assist with her medical care. I was given a case # XXXX and was told they would do an investigation. Today XX/XX/2017 I was left a message by a XXXX at XXXX ex XXXX when I attempted several times to call back without reaching anyone or real person. I called XXXX and spoke to different staff to no avail I asked and reached a supervisor named " XXXX '' which refused to identify herself by a badge no employee number, she told me my aunt picked up the money she refused to tell me where, which, state, city or store. She told me it was Money Grams policy not to provide that information that if I wanted that info I would need to take them to court. My wife then got on the phone with XXXX and stated we felt " Money Gram '' stole this money because no one was given the access or reference number. XXXX stated your aunt picked up the money I asked her where? She then asked me where we sent it and we said XXXX and she said yes XXXX, she then asked what city and us knowing there was no store nor bank in XXXX we told her the name of the local village our aunt lives in and XXXX then said the money was picked up there in XXXX. We confirmed that she was indeed lying to us and decided to submit this report to the CFPB for assistance in obtaining our money back. Please feel free to contact us by phone or email
Product: Checking or savings account

XX/XX/XXXX, I received a notice from USAA Savings that Account No. XXXX was overdrawn. I have never had such an account, and the transactions listed were believed to be by someone else. My husband notified USAA by email to their XXXX email address that I had never had such an account. Since that initial notice we have had numerous telephone conversations with USAA associates relating to this situation. In each case, I was subjected to lengthy questions related to my " profile '' for this account. Although we have been customers with USAA since XXXX, I explained that I never had a checking account, nor had I established a profile. Since the last call, I have continued to receive letters relating to this account, but to my knowledge, it has never been cancelled. There has been no communication regarding a solution to this apparent fraudulent use of my name and address. I have attached copies of all communications.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, I noticed an unauthorized inquiry on my XXXX credit report dated XX/XX/XXXX by Oliphant Financial XXXX
Product: Bank account or service

Case # XXXX BOA still has not refunded my money. I spoke with them today and they promised the same thing as last time : " We will be sending you a check ''. 

I have been hearing this same verbiage for XXXX months now and still have no check. Please help me.
Product: Checking or savings account

I filed so many dispute with this company ( PNC ) but they all got denied thank you to this complaint I was able to recover some of my money back but there 1 transactions that I was not authorized by me please help me send this complaint to pnc for their terrible customer service. lost my phone at the nail salon and came back to the nail salon owner saying that can not find my phone thats when I drove home use one of my family members phone to tracked the item see that its moving and on the way to another city ( XXXX XXXX nc ) then it powered off 20 min later couldnt track it so I filed a police report and now its been days I gotten my phone back and the thief been using my cash card!! And there are multiple unauthorized charges I keep all my cards on the back in my case!! And I tried and tried to dispute this charge over and over again but they keep denying me over {$150.00} I tried 2 times already they keep turning me down OVER MY OWN MONEY This happened of XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these inquiries were made without my authorization. 
The fraudulent inquiries are as follows : Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have filed a dispute twice within the last 8 months for an account I have paid. I give Equifax the time to check into the dispute. I will get a response sent to my personal email that the dispute ( XXXX ) has been completed. I click on the link to check the status of the dispute and their system always comes back with an " unable to utilize system or system down '' no matter what time of day or even the days that I try and check. This has been going on since receiving the notice XX/XX/2019. The notice states the I only have 30 days to check per the link. 
This is the second such type dispute and I really get nowhere. I get tired of seeing that the dispute has been completed but can not get no type of answer or see what actually has be investigated against my dispute. I just really am tired of such a larger Credit reporting bureau having such power over me as a consumer trying to utilize their " Sorry '' service.
Product: Debt collection

Discover has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

The reason I disagree with the information on my credit report : I have fraud alerts set up due to my credit being used by my former spouse XXXX XXXX and his new spouse XXXX XXXX XXXX My home phone, cell phone, email, Last name and Employer are inaccurate and this information what they are using to obtain signature loans in my name. 
I do not possess a bank account XXXX ending in XXXX with the account ending in XXXX. I have not applied for or given anyone else permission to use my former name and information to acquire signature loans from Spot Loan and XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

The complaint is about an unauthorized wire transfer from my checking account at Citibank that went through. 

- on XX/XX/22, I received an email stating that I added a payee to my list of payees on my accounts at Citibank. Then it was followed by several emails stating that wire transfers have be submitted to that payee from my checking account. One of the wire transfers of {$7500.00} was approved. Other wire transfers of {$50000.00}, {$14000.00} and {$7500.00} were cancelled by the bank. These were from my checking account ending in XXXX. ( now deactivated ) - Once I saw the emails, I immediately called the bank. While I was waiting to get hold of someone, Citibank also was trying to call me. So finally I was able to speak with the bank and confirmed the fraud. They told me that one of the transfers went through and the amount was {$7500.00}. I was told that I need to complete and submit an Affidavit of unauthorized wire transfer/ - The name of person who hacked the account is XXXX XXXX XXXX The money was wired to a XXXX XXXX account ending in XXXX. 
- The Affidavit was sent and received on XX/XX/22. I was given a case number : XXXX - on XX/XX/22 Citibank informed XXXX bank of the fraud - XXXX XX/XX/22 Citibank received a message from XXXX XXXX confirming that the money was credited to the hacker - on XX/XX/22 XXXX XXXX stated the hacker 's account is closed and the money could be accessed or retrieved and they are unable to return the money to Citibank. 

During all that time, I have been in contact with Citibank nearly on a weekly basis, checking the status of the investigation and why it is taking so long and why I haven't gotten my money back. The only answers I get is that it takes 30 to 60 days to complete the investigation and at the end of 60 days I will receive a letter about the results of the investigation. They never would tell me if they will credit back the money or not. 
- last call made to Citibank was on XX/XX/22 after more than 60 days have passed. I was given a new case # XXXX which was apparently created on XX/XX/22. I was told that the investigation is still ongoing and they have no updates. I was told that there is a delay but they could not tell me the reason of the delay. When I asked for a timeline to finalized the investigation ( since they exceeded the 60 days period ), they were not able to give me one. 
- Here I am, now 70 days after the initial fraud, without any answer from Citibank and without the stolen money credited back at least temporarily.
Product: Debt collection

In 2023 I sent an email requesting information to prove that the account was mine and I didn't receive anything back stating the account was mine
Product: Payday loan, title loan, or personal loan

I have a membership with this company. I asked them several times to use my funds in my investment account with them to pay off my loan and close my account as I could not afford it anymore. They said they only do that for really delinquent people. So I said you're going to trash my credit then decide you've trashed it enough then allow me to close the acct with the investment funds. Now they have reported it late on my credit. This is unethical when they had the fund from my investment account to settle this account before it was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

As already documented my identity has been compromised and the aftermath has left my credit files with unauthorized accounts as well as the inquiries that I'm respectfully demanding be removed due to the fact they are unknown and unauthorized by me. Please remove the following inquiries immediately. 

1. XXXX XXXX XXXX ) 2. XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX  XXXX/ XXXX  ( XXXX ) 7. XXXX XXXX  XXXX  ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX )
Product: Credit card or prepaid card

I took my fiance 's XXXX year old XXXX XXXX to XXXX XXXX XXXX in XXXX Ca, with Dr XXXX XXXX on XX/XX/2018. We went in for XXXX issues as the XXXX was not XXXX correctly. Well the XXXX charged us a whopping {$800.00} on my care credit card and the XXXX only found a XXXX   which I already knew he had and my XXXX  still has not gotten better. I have gone to other XXXX before and have never paid {$800.00} for a XXXX. The XXXX  did not find what is wrong with XXXX and charged us an outrageous amount for a XXXX   when other times we have gon the XXXX  for that and we get charged under {$200.00} for the same problem. I did ask the XXXX if there was a way to reduce the bill but declined and the credit card company have not done any better and have not heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for credit twice, But loan XXXX aren't being transparent.. When I've asked which Agency they pull from.. They lead me to believe only XXXX they pull, I real time it ends up being XXXX agencies..
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX  XXXX Balance : {$9400.00} ; XXXX XXXXXXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Was on a payment plan with a law firm for XXXX XXXX XXXX for a debt owed and have been making payments to them the law firm has went ahead and garnish my bank accounts for over XXXX when only XXXX is owed they have taken 100 percent of my wages and other and has left me nothing to live off of
Product: Credit reporting

I have been disputing an account that is reporting on my credit reports that are due to identity theft. There is a XXXX XXXX account that was opened up in my name frauduantly. I have disputed this time and time again. Finally XXXX has confirmed it was identity theft and was told they are removing it from my credit report. However I just received an e-mail result from equifax stating there investigation shows that this account belongs to me. I am furious that this is still continuing and it is affecting my credit score and me in obtaining credit. I have called XXXX XXXX thousands of times requesting how I go about reporting this fraud account? I was told I need to fill out a form. ( I requested that form to be sent to me and never received it ). I am about to spend the money to obtain an attorney to sue XXXX XXXX as they keep reporting this fraudulant account on my credit report. This is beyond ridiciulous and I am going to be taking further action because it is affecting my credit. I am being held responsible for something I DID NOT DO. I am submitting this complaint in hopes that this gets cleared up and rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX U S DEPT OF ED/XXXX  Account XXXX XXXX U S DEPT OF ED/XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX DEPARTMENT OF EDU Account # XXXX US DEPARTMENT OF EDU Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Back in XX/XX/year> we had issues with fees being charged And also, they are reporting my XXXX and XXXX cards both as closed on my credit report Ive been dealing with XXXX from the XXXX office and she is extremely rude! They are charging me double the fees and they are charging my XXXX and I have half the credit line! My XXXX XXXX  is better than his too XXXX told me that she thinks Im impersonating my husband because hes been sending in XXXX as well as me He works XXXX AM to sometimes until XXXX PM. And she doesnt answer her phone anyway! Ive called numerous times and left messages and she never calls back!! She keeps telling us to just call the number on the back of the card and that never works! They also want to increase the fees again For the second time in XXXX months!! Why should I pay all these fees if they wont report my accounts as accurate and it takes over XXXX months to try and get somebody to help?
Product: Credit reporting or other personal consumer reports

its all in the attached information below, .I attached it in the files ..all verifiable documents attached as well from the data breach which were sent several times in the past