23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of 2018, someone used my personal information and opened up two accounts with XXXX XXXX, one checking account and one credit card. I resolved this with XXXX XXXX  at the time and have a letter from them confirming that I do not owe them anything and the accounts were found to be fraudulent. Now, a year later, I am getting calls from a collections agency called Apelles LLC saying I owe them for an unpaid debt from XXXX. I have tried to resolve this with the collections agency by letting them know this was already taken care of with XXXX, but they said I need to deal with XXXX  to get the account closed. When I called XXXX XXXX, they transferred me to several different departments before finally saying this could only be resolved with the collections agency. I attempted to contact the collections agency again, and I can not get through to a representative. I am getting the runaround from these two companies, making it impossible to resolve a situation I believed was resolved a year ago.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Dear Capital One XXXX XXXX, I am writing to urgently address several issues that are significantly impacting my financial situation : XXXX. Missing Deposit : I have not yet received my deposit, which I urgently need to meet my financial obligations. As a college student facing hidden homelessness and lacking family support, I rely on timely deposits to stay afloat. Please investigate and expedite this matter immediately. 
XXXX. Late Fees on Credit Cards : While my deposit remains delayed, I continue to receive {$40.00} late fees on my Capital One credit card, as well as interest charges on an already limited {$300.00} credit line. This makes it extremely difficult for me to manage my financial responsibilities. 
XXXX. Financial Hardship and Request for Assistance : I am requesting the following to alleviate my financial stress : Immediate deposit of my missing funds. 
Removal of the {$40.00} late fees due to circumstances beyond my control. 
Enrollment in a hardship program to reduce interest charges on my credit card balance. 
Consideration of a goodwill credit to help me pay off my balance and get back on track. 

I also have upcoming bills, including my phone, XXXX Capital One credit cards, and my XXXX XXXX. I am doing my best to manage these, but the current situation is making it nearly impossible. I would deeply appreciate your understanding and support in resolving these issues promptly. 

Thank you for your time and assistance. I look forward to hearing from you soon.
Product: Checking or savings account

US Bank Corporation is charging me overdraft fees on debits that have not yet been posted and when I still had a positive balance in my account. When I questioned them as to why they were doing this, they seem to think its OK to look at debits not cleared or posted yet, ascertain I may become overdrawn and quickly hit me with an overdraft fee of {$36.00}. before the debit has ever been posted. There is something wrong with what they are doing. They has done this to me before, and seem to start hitting your account when you have XXXX or less in acts. In XXXX. I had {$330.00}. in my account. I had a debit of XXXX. My balance was {$280.00} but they listed it at XXXX. Then I spent {$68.00} and had a balance of XXXX. They said my balance was XXXX. I then had a debit of {$56.00}, which should leave me with {$150.00}, but instead the bank said I had a balance of $ XXXX. Unavailable funds of {$230.00} and started charging me overdraft fees of {$70.00}. How can they be allowed to do this? Hold money that has been in my account for weeks, and charge overdraft fees on purchases that have not even cleared yet?? Overdraft me because they are holding up.my money as unavailable? I understand you overdraft your account with a purchase, and you pay an overdraft fee. But I do NOT understand what US Bank is up to, holding your funds as unavailable even when they have been in your account for weeks, and then charging an overdraft fee because they are holding your funds? Something is wrong. They have No Right to charge an overdraft fee and overdraft me UNTIL the debit has cleared and I am overdrawn. I am withdrawing my finds and going to a new bank that is more transparent. Please look into these practices of holding funds and charging fees before anything has been posted.
Product: Student loan

I consolidated my XXXX loan to be able to have a XXXX loan and apply for loan forgiveness. The original loan was never removed and now they are saying I have two loans and there are two loans on my credit report. I only have one. I have explained to all parties involved that I should only have the one loan but someone has made an error and it is showing I have two and they are believing their computer screens instead of me.
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681e ( b ) - Accuracy of Report, credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' XXXX, TransUnion, and XXXX have CONSISTENTLY, PERSISTENTLY, and NEGLIGENTLY violate my federally protected rights under this code and violate my rights under FDCPA, FCRA, UDAAP, and the state of California 's consumer protection laws by FAILING to provide MAXIMUM ACCURACY on my consumer credit report AND credit file. Since XXXX and more aggressively since XXXX, I have been fighting for my rights to ensure that BOTH my consumer credit report and credit file reflect the maximum accuracy with XXXX, TransUnion, and XXXX. To date, BOTH my consumer credit report AND credit file remain INACCURATE. The following information is INACCURATE specific to the addresses listed in my consumer credit report with XXXX and must be removed immediately : INACCURATE ADDRESS : XXXX XXXX XXXX, XXXX, NY XXXX and XXXX XXXX XXXX, XXXX, NY XXXX. 
XXXX is the ONLY credit reporting agency that STILL lists these addresses on my consumer credit report. Thus these addresses MUST be REMOVED to assure maximum accuracy per 15 USC 1681e ( b ).

Per 15 USC 1681e ( b ), the following accounts remain INACCURATE as to the " balance ( s ) '' across all 3 consumer credit agencies : 1- XXXX/DEPT of ED ( inaccurate balance and/or missing the cents ) 2- DEPT of ED/XXXX  ( inaccurate balance ) 3- XXXX XXXX ( inaccurate balance and/or missing the cents ) 4- XXXX  XXXX ( inaccurate balance and/or missing the cents ) 5- XXXX ( Inaccurate balance ) 6- XXXX XXXX ( inaccurate balance and/or missing the cents ) 7XXXX ( inaccurate balance and/or missing the cents ) 8XXXX XXXX XXXX  ( inaccurate balance and/or missing the cents ) XXXX, TransUnion and XXXX MUST ensure " maximum accuracy '' and if they can not, the accounts must be DELETED/REMOVED. 

Due to XXXX, TransUnion, and XXXX 's FAILURE to provide ACCURATE consumer credit reports on my behalf, I have suffered damages by being refused credit BOTH personal consumer credit AND business credit. This has caused me GREAT FINANCIAL HARM as I am unable to obtain personal credit to help improve my quality of life and this has prevented me from obtaining business credit causing my business to remain without the credit needed to fund and successfully start my business. Thus, my livelihood has been negatively impacted and I am unable to obtain the credit needed to make payroll and cover operation expenses for my business.
Product: Debt collection

Lightstream who is part of Truist Bank has completely neglected requests for removal of a fraudulent account that came as a result of identity theft. I have asked Lightstream/Truist on 4 different occasions, via certified mail with return receipts to record all of our interactions dating back to XXXX of 2022, to remove the account from my personal name & credit report & to stop fraudulently collecting on a account that is not mine & or lawfully validate the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 ( g ). 

Lightstream/Truist is in direct violation of Federal Law 15 U.S Code 1692 ( g ) which requires them to validate such debt by providing All of the following : 1. The identity of the original creditor.

2. The amount of the alleged debt.

3. The name and address of the original creditor, if different from the current creditor. 
4. The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural man ), and Lightstream, that proves I agreed to pay the alleged amount.

5. A GAAP accounting documentation ( both on and off ledger ) showing the exact asset ( s ) used to collateralize the debt. 

It is my right to request validation of any purported debt under the Fair Debt Collection Practices Act & It is Lightstream/Truist 's obligation to supply the aforementioned materials as requested which they have failed to do time and time again. 

Not only has Lightstream/Truist not lawfully validated  the debt but they have continued to fraudulently collect & report the fraud. 

Lightstream did not validate this debt under the FDCPA laws & I demand them to remove this fraudulent account from my credit report as it is continuing to harm my well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a text message from XXXX XXXX XXXX XXXX XXXX  ) that a credit card application was approved. I XXXX  XXXX 's phone number to call and inquire if this was a phishing scheme or someone stole my identity. They said someone indeed did steal my identity and tried to open two fraudulent accounts. After resolving the issue with XXXX, I logged into each of the three credit bureaus to look for other hard inquires/issues that might have come up. Within Experian, I found that that my account was hacked -- someone updated, in my personal profile, my phone number and email address to something that was not mine. It sounded like the phone number matched the one that was used to open the fraudulent credit cards. Experian makes it impossible to get a live agent on the phone. After multiple calls and the headache of their robotic phone tree, I was finally connected to a live agent. I had a very hard time understanding what the agent was saying, and the agent said they couldn't transfer me to someone who was easier to understand. To my understanding, they said they would deactivate my account and that I would need to submit documents to get it reinstated. I want to be connected to someone who can actually support this process and can assure me that my account will not be hacked again. By updating my email address in my profile, even if I try to change my password, the hackers can quickly " recover '' the account back to them.
Product: Money transfer, virtual currency, or money service

I been getting money taking out my cash app that I didn't approve of and when I file it it says ok but never got my money back it been doing that for a 1 year done change cards and it's still be going on
Product: Consumer Loan

In XXXX of 2016 my vehicle was total lost in a not a fault accident. Shortly thereafter my primary insurance carrier settled the claim. I made the last up to date payment on or about XX/XX/2016. On XX/XX/2016 I made a new car purchase from the same dealership that I have been dealing with for the past 7 years starting at a zero balance. I had additional Gap insurance to cover residual debt in the event of a total lost situation. to my surprise I discovered that the unregulated out of state insurance company out of Florida breached the standing contract with me! this caused the lender to charge off the debt to my credit report which I disputed, and I provided all the necessary documentation to this affect. The lender write off the debt, but reported that I was suppose to continue to make the monthly payment to them on the loan. All XXXX bureaus were contact both before the charge off, and after the charge off in writing in a escalated dispute. however XXXX XXXX has refused to adhere by removing inaccurate information regarding my dispute with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile with 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent XXXX XXXX XXXX # XXXX {$150.00}, XXXX XXXX XXXX # XXXX {$4900.00}, XXXX # XXXX {$280.00}, XXXX  # XXXX {$1700.00}, US DEPT ED # XXXX {$1900.00}, US DEPT ED # XXXX {$320.00} Inquiries :
Product: Student loan

All XXXX of the student loan ( Department of Education ) were and are under a deferment plan. It is reporting inaccurate information of late payments in XXXX and XXXX. At that time, they were on a deferment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I just recently sent debt validation letter. They are a 3rd party debt collector. Trying to collect a debt note owed to them. As there is no contract by either part or of the lenders.
Product: Credit card or prepaid card

On XX/XX/21 I received a XXXX XXXX credit card in the mail that had a secondary card with another persons name on it ( that I did not know ). After contact XXXX XXXX it was apparent that I was a victim of id theft. I ran my credit and saw two other accounts- XXXX XXXX and Avant Bank. i contacted both companies on this date to report. XXXX XXXX closed it down immediately. Avant Bank told me no card had been issued so they could not close. I checked my credit report daily and soon discovered that a card had been issued by Avant bank and a {$39.00} charge was made on XX/XX/21 ( 22 full days after I reported the fraud to them ). I contacted them and set them copies of the police reports etc. To date, they still have not acknowledged the fraud or closed the account. I have requested multiple times and sent in all the paperwork requested. Each time I do they ask for more paperwork. The police office handling my case has even called them. I have submitted this also through Identitytheft.gov and sent that letter to them.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX  for failing to correct inaccurate tradelines on my credit report, despite multiple disputes. 

Background : XXXX XXXX  continues to falsely report XXXX ( XXXX ) tradelines on my credit reports. 
XXXX XXXX XXXX confirmed in XX/XX/year> that these accounts were deleted, yet XXXX XXXX  has failed to remove them. 
XXXX XXXX  has ignored my previous CFPB disputes and refused to investigate or respond properly. 

FCRA Violations : XXXX XXXX  is violating multiple sections of the Fair Credit Reporting Act ( FCRA ), including : FCRA 623 ( a ) Failing to ensure accurate reporting.

FCRA 605 ( a ) Illegally re-aging and continuing to report accounts that should be deleted.

FCRA 611 ( a ) ( 1 ) ( A ) Failing to verify the accuracy of disputed items.

Financial Harm : Because of these false tradelines, I have suffered : Higher interest rates and credit denials for loans. 
Loss of financial opportunities. 
Emotional distress due to XXXX XXXX  negligence.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX ) has violated my rights. Under 15 USC 1681section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Mortgage

I have been over paying in my escrow since XX/XX/XXXX and now its XX/XX/XXXX. I was with XXXX  which I reported this issue to them 3 times. Then in XXXX they switched over to a new company called newrez. I have reported this issue to them twice they are not doing anything. The issue is they are saying that my mortgage insurance is around XXXX yr, and no its not its XXXX. I asked for two escrow analysis and they still yet to fix the issue
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX & XXXX  ) 30 days late as of XX/XX/XXXX ( XXXX & XXXX ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statements did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a letter to Equifax information services LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX with regards to inaccurate/duplicate information reporting on my credit report. I have yet to receive investigation results, as it is now past the 30 days. I requested all information reported to ensure its accuracy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX IS IN VIOALATION OF INVADING MY PRIVACY, THEY HAVE MY INFORMATION AND I NEVER DID BUSINESS NOR SIGN A CONTRACT WITH THEM. 

AND CREDIT REPORT IS IN FULL VIOLATION 1. ACCOUNT ACTING AS A CHARGE OFF & COLLECTIONS AT SAME TIME 2. WRONG DATE OPEN & NO CLOSED DATE 3. PAYMENT HISTORY, ACTIVITY STILL OCCURING EACH MONTH AFTER ACCOUNT CLOSED
Product: Checking or savings account

I was double charged on my account for all transactions I have made since XX/XX/XXXX using my debit card on https : //www.coinbase.com/ - I have attempted to contact customer support but they are extremely hard to contact, and I haven't been able to speak to anyone. I sent in a ticket already but I need this resolved ASAP.

These duplicated charges all occurred yesterday ( XX/XX/XXXX ), I will leave a list below of the transactions.

My initial purchases were debited from my account on : XX/XX/XXXX - {$500.00} International Service Fee Assessed {$4.00} on {$500.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX at {$4.00} XX/XX/XXXX - {$300.00} International Service Fee Assessed {$2.00} on {$300.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX at {$2.00} XX/XX/XXXX - {$370.00} International Service Fee Assessed {$2.00} on {$370.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX  at {$2.00} XX/XX/XXXX - {$370.00} International Service Fee Assessed {$3.00} on {$370.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX at {$3.00} - These are the duplicate charges : XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX  Not Categorized - {$370.00} XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX Not Categorized - {$370.00} XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX  Not Categorized - {$300.00} XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX Not Categorized - {$500.00} Please let me know anything else you need, Thanks.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$400.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00}