23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating they were collecting a pay day advance loan. After speaking with the representative and informing them that this was a fraudulent activity the following additional details were provided. 

This payday advance was taken XX/XX/XXXX ( first time I have heard about this ) from " Cash Central ''. The note was subsequently sold to XXXX XXXX XXXX who then contracted XXXX XXXX. 

The dispute has been initiated and I firmly stand by my claim that this is a fraudulent loan taken by another individual. It is worth noting while speaking to the rep from XXXX, that the date of birth provided by previous companies was inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my dispute letters via mail on XX/XX/2023 and I still haven't received a response, a status of the investigation or any results.
Product: Vehicle loan or lease

early in 2024 I was falling behind finaicailly. the most repsonsible thig I could was file bankruptcy. I did file bankruptcy adn i could not afford a lawyer so case was dismissed. I did this on XXXX differen occassions. while the was still atcive i was not t pay any thing like car not house not ect. I called ally and let them know that I had filed bk and tthey even confirmed payments were voluntary during the proccess. as soon as the bk was dismssed i payed XXXX car notes XXXX week in a row. the following week they repodes my vehicle. I recovered the vehicle the next day, and checked my cedit. they had reported XXXX late payments. this is illigal as i was under the protections of bankrupcty during the time ther fore the payments were NOT late
Product: Credit card or prepaid card

I sent in a police report and FTC letter to the credit bureaus XXXX or XX/XX/XXXX. Capital One was deleted from my report. However, Capital One put the card back on my report. I called Capital One to get an explanation. They said they validated the account was mine. I told Capital One I think a family member stole my Identity and applied for cards in my name and at my address. Capital One said they validated the debt as mine. In XXXX or XX/XX/XXXX I called them back. They told me I had to pay the balance, and that they could not help me. I set up a payment plan because It was affecting my score badly. Capital One would not do a pay for delete after asking. In XXXX or XX/XX/XXXX I called Capital One to get it deleted again. They refused. I called the credit bureaus XX/XX/XXXX to try to get it deleted again, and the credit bureaus told me capital One put a cap on the account to keep me from disputing the information ever again for it to be deleted.
Product: Mortgage

I have been getting charged late penalty fees for my tax payments since I have owned my home since XX/XX/XXXX. To be clear, these are regular tax Bill 's. I have an FHA loan which requires me to have an escrow account pay for taxes on my behalf so I have no control over when payments are being made. I refinanced in XX/XX/XXXX in hopes that this would help solve this issue, and clearly mentioned to the New American Funding loan officer to ensure that my tax payments get sent out and confirmed by the deadline each year. 

I have emails dating as far back as XXXX which states the ongoing status of my complaint about these penalties on my account with New American Funding, and it has been almost a year now and my case is still outgoing. The representative I am speaking to said that they are at the mercy of XXXX XXXX County, and can not do anything further until they are contacted back. Escalations have apparently happened, but clearly there isn't enough action in place to get things settled in a reasonable time frame. 

So far, I have received the following : I have been getting threatening delinquent letters from the county saying that my house will default if payment is not received. 

I have also been getting charged even more late penalty charges since, which keep getting tacked on to my yearly tax payments. 

I have gotten a letter from as New American Funding saying that they are increasing my impound account because there wasn't enough money in there to cover tax payments. Mind you that the increase in taxes were also contributed to these ongoing late penalty taxes. 

Most recently as of today, XX/XX/XXXX, I now received a threatening letter from New American Funding stating that my official taxes are delinquent and if they pay for it, then my mortgage payments will increase even more as a result of them paying, EVEN THOUGH, I have an ongoing open case with them about this matter. This delinquency is a direct result of this ongoing issue with escrow not paying on time or working with XXXX county to accept payment on my behalf. 

I have lost thousands of dollars over the past 3 years of owning this house due to the incompetence of New American Funding and XXXX XXXX County 's inability to solve this ongoing issue. I know I am not the only one going through this issue either as mentioned on a call with one of the representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$27000.00} XXXX XXXX XXXX : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion concerning information on my credit report # XXXX. 

My personal information concerning my address is incorrect and I have contacted Transunion multiple times to have this information corrected and ands deleted where applicable. The number is also inaccurate and never been associated with me. 

The following addresses are being reported incorrectly : Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported XX/XX/XXXX ( as my utility bill shows this is incorrect I have never lived here ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX ( This address is missing my apartment number XXXX ) Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX ( This address as per my driver 's license was a previous address ) Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date XXXX XX/XX/XXXX ( This address is not mine or associated with any account being reported on my credit report ) Other Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX ( not an XXXX I have ever been associated with or any accounts I have ) Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX XXXX incorrect apartment number ) Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date Reported XX/XX/XXXX ( incorrect apartment number ) Phone Number ( XXXX ) XXXX Those attempts have been unsuccessful despite me provding a copy of my social security number, driver 's license and utility bill where I currently reside.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that I'm a victim of 15 U.S. Code 1681a ( f )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$230.00}
Product: Bank account or service

Citi promised me a XXXX-point bonus for my Citigold checking account but never credited it. 

I filed a complaint with the CFPB, which forced Citi to comply, but they needed proof of verification in. I sent it in, only for them to reject it on a technicality, claiming I had not checked a box. I then sent in a revised form several weeks ago, and still have not heard back from them, and their delay is getting extremely frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED TO REMOVE THE LATE CHARGES AND NEGATIVE MARK FORM MY CREDIT REPORT SINCE I WAS A XXXX XXXX AT THAT TIME AND FOR SOME REASON IT WAS NOT PAID ONETIME. PLEASE HAVE THIS REMOVED FROM M Y CREDIT AND ALL THREE BUREAUS
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Chase Bank that states : We posted a new notice or letter in your Chase Mobile app and at chase.com/statements. 

Here 's what it's about We reviewed your application for a new business card account. 

We encourage you to read the entire letter, because it contains specific information about your account. 

However, I did not apply for a business card account. I called Chase, who then told me to call the creditor. I looked at my credit report on XXXX who opened an investigation and suggested I report this issue.
Product: Credit card

XXXX XXXX : Since XX/XX/XXXX, I have been receiving unsolicited emails from Chime, urging me to link my bank account and activate a card. I affirm that I have never initiated any account opening process with Chime, nor have I received any email confirmation regarding such an account creation using my identity. I found in one of the emails that they sent a card to an address which I lived back in 2016. 

Attempts to Resolve : In an attempt to address this issue, I contacted Chime 's customer support but faced significant challenges : Inaccessible Human Support : I was trapped in an automated call menu for over 30 minutes, with no option to speak to a human representative or to report my specific issue. 
Mandatory App Use : The automated system directed me to use their app for further assistance. However, upon downloading the app and resetting the password, I was unable to initiate a chat as advised. 
Unnecessary Personal Information Requests : The app requested that I upload a photo of my driver 's license and take a selfie before allowing any form of communication, which I find intrusive and irrelevant to my situation.
Product: Money transfer, virtual currency, or money service

I attempted to wire money out of my bank account at Wells Fargo via online banking. I followed all steps, reported all codes that verified my identity and considered the transfer complete. The bank called me to verify details of the wire, but then got personal, asking how I knew the person and what the wire was for. I became upset at their intrusion and XXXX XXXX XXXX XXXX  and there were a series of calls and hang ups between the bank and myself. I wanted this wire to be a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX but I didnt think my bank had any right to know that. Once Id verified who I was and that the amount and recipient were correct the transfer should have been completed. Is that not their job? I did relent, answered their questions, they agreed to release the transfer but XXXX hours later I got an email from them that the transfer had not been successful. During another XXXX minute call, I learned Id waited too long to answer their questions and Id have to resubmit my wire request. Instead, XXXX moving all my money to XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 
I pulled my credit report, after I was denied a loan to buy a new home. I found unverifiable, invalidated, inaccurate, and questionable items that this agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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 know that Under 15 U.S. Code 1681I ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer ***XXXX, account # XXXX, account status different
Product: Checking or savings account

On XX/XX/XXXX I received a phone call from US bank fruad department informing me that my account will be closed due to fraud activity due to a XXXX XXXX XXXX bank transfer of XXXX from my daughter. I was told my account will be closed And it can take up to 90 days to close the account to receive my remaining balance funds through mail. on XX/XX/XXXX i went to my local US bank branch with my daughter and her valid ID and social security card to prove my innocence and to show them that the transfer was done by her and they told me there was nothing they could do my account could not be reopened. on XX/XX/XXXX my account was officially closed and I was told i would receive a cashiers check in the mail in 10 Business days of my remaining balance. it has now been past 10 days so I call my local US bank branch and they tell me my funds have not been released due to an ongoing investigation with my account even though my account is fully closed. its been over 3 months and I havent received any of my money back that I was wrongfully accused of stealing. This is not fair and not right I am at wits end me and my family are really counting on getting this money back! 


I attached 3 documents of my daughters XXXX XXXX XXXX bank statement showing the XXXX transfer, another document proving her identity with photocopies of her license and social security number front and back also a picture of her bank debt card that she used to make the bank transfer with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX bankruptcy XXXX XXXX XXXXXXXX bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights 15 USC 1681 section 602 A, states I have the right to privacy 15 USC 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which ante cedes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have contacted them several times, and they informed me that they are unable to address the issue at XXXX and XXXX Bank. They suggested initiating a dispute with the credit reporting agency and advised me to file a complaint. I Never authorized my credit to be pulled at none of these locations. Please investigate these entities.
Product: Credit reporting or other personal consumer reports

In XXXX I took a long to complete my degree in the amount of {$2700.00} which accumulated with interest of {$100.00} as of today XX/XX/XXXX. Earlier this year, I found that my personal and financial information was compromised without my authorization ( XXXXXXXX XXXX data breach to our XXXX XXXX information that also compromised our my personal information as well ) He has no rights to have access to this information without my consent. I disputed the loan but the bureaus wouldnt remove it from my credit report as well.
Product: Credit card or prepaid card

On XX/XX/XXXX, Bank of America took {$250.00} from my credit card account for something called Credit Balance Refund Debit. 

The {$250.00} was at that specific time was a part of a credit card payment and more bills were coming in so that {$250.00} was basically XXXX  out my credit card balance. 

In the past 6 months and 5 days ( as of this writing ), I have reached out 6x to Bank of America in order to get this resolved but to no avail. 

I have spoken to various customer service representatives to either get the money back by check, into a checking account, or back onto the credit card ( as we use the card daily ). 

I drew a line with customer service on XX/XX/XXXX, when I wanted to speak to a manager whose name is XXXX and after he did not do anything, I spoke to another manager named XXXX, XXXX. 

They allegedly sent me a check for the amount of {$250.00} which I never received. 

Since I never cashed a check that I did not receive in the first place, they allegedly send the money to the state of Florida and callously told me to go to XXXX XXXX XXXX to search for my money. 

Despite my calling them 6x times in the past 6 months to claim my money, they still allegedly sent the money to the state of Florida. 

I contacted https : //www.fltreasurehunt.gov/ ( where the money allegedly went ) and called the number they gave me XXXX XXXX XXXX and they have NO record of any money in my name to be claimed. 

Called back Bank of America to get something called UPID and some sort of proof that the money was sent, and they could not provide me with any proof or confirmation whatsoever that the money was sent to the state of Florida. 

Bank of America just stole my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collections companies do not not have a contact with my signature.
Product: Checking or savings account

My account was closed XXXX XXXX & when I try to access it in the app it says they are having trouble verifying my identity so Ive had no access to it since then! I had a direct deposit of my Michigan state taxes into that account on XXXX XXXX in the amount of {$1500.00} they decided to keep it & say it was due to my account being closed & me owing them {$2100.00} this is the first Ive heard of this & they are unauthorized charges I did not authorize at all! They told me that my deposit would be reflected & sent back to the insurer & it was not it was deposited into a closed account & they refuse to send it back or give me my money. I have no access to this account at all to see anything & I looked it up there is fraud protection here & it is not being honored they refuse to show me the policy stating they can do this or any info stating where my money is they are foreign as well & are hard to understand
Product: Debt collection

Im about to change my phone number, however, there are criminals copying my phone number of XXXX XXXX XXXX XXXX and XXXX XXXX. They are using my Wells Credit card and checking account. XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX are using my credit cards and banking accounts illegally. 
There also people copying my number trying to ruin my bank accounts. My balance last statement was {$2500.00} and I made a payment for {$74.00}, they rejected the payment, however, they allowed me to use the card. They gave me a confirmation of a valid payment. I only made two purchases after XX/XX/2021. If I pay them the minimum of {$74.00}, I, I should not be over the credit limit. The balance should be around {$2400.00}. If you add XXXX, my balance last statement, plus charges for XXXX at XXXX, plus, XXXX ( XXXX ), plus {$29.00} ( late fee ) then the balance adds to around {$2600.00}. Now if they would have accepted my payment of {$74.00}, then my balance would have been XXXX XXXX. This is well below the limit. They gave me a a confirmation number for my payment which was XXXX. They are XXXX at this company and they reversed my payment and, now, they are trying to charge me double. I never missed a payment. Why do I owe {$120.00} next month in XXXX? 
They are allowing criminals like XXXX XXXX and XXXX XXXX to use my card. They need to be fired. I also believe that the ceo of XXXX, XXXX, XXXX, XXXX and XXXX are trying to ruin my accounts. I am going to have the FBI or other agencies investigate them. Basically, I should only owe them {$74.00}. He is XXXX and reversed my payment ruining my account.
Product: Student loan

Last week (   XXXX   ), I called  Sallie Mae t o get a  XXXX  pay off statement to apply to refinance my loans with someone else.  XXXX  days before, the pay-out from a different company we 've refied with was placed in my account, so they are aware I 'm trying to re-fi at least some of my loans. My interest rates are outrageous, and I can not afford them much longer. The customer service rep put the request in and mentioned that because of the long weekend  (   XXXX  Friday ) it might take longer than the usual  XXXX  business days, which is fine. I never got the pay-off statement, so I called again last night. While a note had been made on my account, it did n't state how many days I needed nor had the request been filled. Now I have to wait  XXXX   XXXX  business days for the statement to finish my re-fi application. My goal was to have  XXXX  of my loans re-fied by the time my next payment was due, but now because of this, it will not happen. I firmly believ e Sallie Mae i s holding up my paperwork so I ca n't re-finance my loans. I went to  XXXX   XXXX   XXXX .