23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had what I thought was a scam call from Midwest recovery systems over a year ago told me that if I didn't pay this payday loan form who knows when they were going to take me to court. I asked for proof of the loan and they told me on the phone too late for that. So I said see you in court then knowing it was a scam because I never had taken out an online loan. Didn't think anything of it intel today XXXX18  XXXX and XXXX has a collections on them from these Thief 's. So I called them on the phone XX/XX/XXXX18 and still tell me I have a payday loan for 7 year ago but wont give any details on the loan and nothing written. I cant see how a company preys off of people can get away of it.
Product: Mortgage

Greetings, Freedom Mortgage I have been out of work for more than a year. I was on a special forbearance plan with Freedom Mortgage, but I missed a payment due to no funds and the plan was cancelled. I submitted a new request for Loss Mitigation, but was denied due to dti. I had no income at that time. However, I was approved for benefits by Texas Workforce Commission and now have income. I submitted an appeal on XX/XX/XXXX. I never received any calls nor any written communication regarding the appeal. I called Freedom Mortgage on XX/XX/XXXX, for a status update. The rep reviewed my account and stated I was approved for another forbearance plan. I stated I never received a call or written notification, so he stated he would email it to me since I have until XX/XX/XXXX to sign and return. The forbearance he emailed to me was the old forbearance plan, which is expired. I called Freedom Mortgage again on XX/XX/XXXX because I was furious. I explained the fact that I suffer  from XXXX and have a XXXX XXXX with no insurance for medication. I have been barely holding on because of fear of foreclosure. The rep stated my appeal was denied and that he was n't sure why the previous rep said I was approved. I informed XXXX I 'd # XXXX, that I needed to speak with a manager. To build my hopes up and tell me everything was fine and my appeal was approved was insensitive, hurtful and has cause me to go into a XXXX XXXX. That inaccurate information absolutely deflated me. I have had to seek guidance from ministers and really trying not to return to the XXXX XXXX. I ca n't afford it this time. XXXX told me that there were no managers on the floor. He showed no urgency to help and I am beyond disappointed with Freedom Mortgage. They never CALL and the only written communication I receive is a letter informing me of a new single point of contact, which is every two weeks it seems. My income status has changed, as well as my debt. I submitted a new request for Loss Mitigation today XX/XX/XXXX. I use to work for XXXX XXXX XXXX XXXX Office of the CEO and President. I use to handle all regulatory complaints from the OCC and CFPB. I have had great experience in the past working with your offices and I hope that it can be a great experience as a customer.
Product: Checking or savings account

I am being blocked from accessing my usaa checking account after I reported my bank earlier this month to the fob for stealing a funds transfer, from an external bank into my usaa account. Several weeks after reporting to the cfpb, usaa blocked me from online and telephone access. They provided a number for me to call and they never picked up intentionally. They locked me out of my account after stealing my money. Here is proof attached. 
I have money in my account that I transferred in and when I swipe my debit card it does not work. They are blocking me from the money I transferred in and stole it and locked me out from accessing the account, Through the debit card online and by phone.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the numerous unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. Despite multiple communications and efforts on my part, these unauthorized transactions remain unresolved, and the lack of progress is unacceptable.

Discovered unauthorized transactions on my account statement.

Immediately reported the fraudulent items to your customer service department and was assured that the matter would be investigated.

Followed up to inquire about the progress and was informed that the issue was being escalated for resolution.

Received notification of an investigation but no tangible progress in removing the fraudulent items.

Made additional calls and submitted supporting documentation, but the unauthorized transactions persist. 

This prolonged and unresolved situation has caused significant distress, and I am deeply disappointed by the lack of action taken to rectify this matter promptly. 

I kindly request the following actions : A thorough and expedited investigation into the fraudulent transactions on my account. 

Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Immediate removal of the fraudulent items from my account and a confirmation of their removal. 

Assurance that my account will be fully restored to its pre-fraud state, and any associated fees will be reimbursed.

Compensation for the inconvenience, stress, and time spent in resolving this matter.

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX  XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX breach has caused two items on my credit report to be inaccurate
Product: Checking or savings account

I disputed {$1700.00} worth of transactions that was made from my account they gave it back and then now my account is in the negative. I still dont have a debit card i tried to go in the branch and get XXXX they said call customer service. Its been over a month my account is still negative and no debit card has been issued im so XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a Bankruptcy on my XXXX Credit report. They mailed me the results on XX/XX/2020, report # XXXX and said it was verified. They said it was verified with information obtained from their third party vendor XXXX. I sent my letter from XXXX where they deleted the Bankruptcy because it was Unverifiable. There is no way XXXX verified this information.
Product: Credit card

date : XX/XX/year>2025 amount : XXXXXX/XX/XXXX actions taken : talked to banks and blocked all my credit and debit cards and trying to get it resolved but its not happening yet. 

following is the event which happened today. 

I got an email with named official work, and pretended to be my company CEO, my CEO always be in meeting and always work with clients, here they told they are in meeting and need to surprise clients with gift cards for their work, so he asked me to buy 5 gift cards with XXXXXX/XX/XXXX totalling XXXX XX/XX/XXXX, since he is my CEO and we are a start up company I believed that, and went and bought the gift cards and sent them, later realised my CEO never asked for it and he also confirmed that scams are happening in his name very often these days, so I got scammed with XXXX XX/XX/XXXX.
Product: Debt collection

A judgment and a summons QUESTION NEAR WAS SENT TO ME UNDER A NAME XXXX XXXX THE COMPANY IS PALISADES COLLECTION LLC FILED NUMBER IS XXXX the judgment is not mine and they unlawfully filed it under my name XXXX XXXX I also wrote a letter to them and a copy of a police report showing that I been a victim of identity fraud and that this debt belongs to XXXX XXXX. Unknown persons or person
Product: Credit card

I WANT TO REPORT THIS FRAUDULENT ACCTIVITY FROM CITI EMPLOYEES WHERE THEY PURPOSELY DELAY, CLOSED A VALID FRAUDULENT ACTIVITY CASE OR DISPUTED TRANSACTIONS WITHOUT EVEN CONSULTING FACTS WITH THE CUSTOME, THIS PRACTICE FROM CITI EMPLOYEES HAS HAPPENED SEVERAL TIMES. ITS BEING REPORTED TO CFPB, AND WILL BE REPORTED TO OTHER GOVERNMENT AGENCIES. 
I submitted a dispute with citi They requested info on the transaction I provided the info. 
Waited several weeks and their response was they closing the dispute cause they see two much smaller credits from the same merchant on my account, which they have nothing to do with the transaccin being disputed. Then I have to waste several hours and days tryin to fix a simple issue.
Product: Credit reporting or other personal consumer reports

Here 's a description of what happened, without including personal information : In 2007, I went through a XXXX from my XXXX. Since 2008, I have been living and working full-time in the XXXX XXXX , including XXXX, XXXX, and currently, the XXXX XXXX XXXX XXXX XXXX ) . 
Recently, I discovered that this credit account was opened without my knowledge or consent. I believe that my XXXX, her friends, boyfriends, or family members may have opened this account, along with several other credit accounts, using my personal information after our XXXX. My XXXX knows my Social Security number and birthdate, but she denies any involvement in opening these accounts. 
I have provided documentation multiple times to substantiate my claim that I have been living and working overseas since 2008, making it impossible for me to have opened or used this account. I am currently undergoing a background check for a security clearance renewal, and this account has reappeared on my credit report last month. 
I am requesting that this account be removed from my credit report, as it is not my account and was opened fraudulently without my consent. I am willing to provide additional identification documents, such as my driver 's licenses from XXXX and XXXX, to prove that I have been residing in the XXXX XXXX during the time this account was opened and used.
Product: Vehicle loan or lease

I secured an auto loan ( XXXX ) in XX/XX/XXXX from legacy Suntrust Bank. In early XXXX I began compiling information for XXXX taxes. Since the conversion to the Truist website ( I believe XX/XX/XXXX but am not sure ) statements and transaction history prior to XX/XX/XXXX are not available via online banking. I need the statements from XXXX in order to verify interest paid on the loan. I called Truist in XXXX ( week of XXXX ) to request the statements. I was told a request would be submitted to send the statements via US mail. I have not received them. I sent an email on XX/XX/XXXX to my local branch manager in XXXX XXXX, SC, XXXX XXXX, to request assistance with this issue and several others. I did indicate in a follow up email that Truist had added the total interest paid in XXXX to the XX/XX/XXXX statement so that issue was no longer time sensitive. A friend who worked on the merger forwarded my email thread outlining a number of issues including this one to two merger leaders at Truist. On XX/XX/XXXX I received a voice mail from XXXX XXXX who indicated that he was assigned to my case with ( # XXXX ). I called and left messages on XX/XX/XXXX, XXXX and XX/XX/XXXX and have received no call back. I had to file an extension on our business taxes due to this and one other Truist issue. Although Truist provided a total interest amount for XXXX I still want copies of the statements from XXXX given the number of issues we have experienced post merger. I was under the impression that banks are required to retain customer records for a period of time ( XXXX years ) and I can not even access information for XXXX and XXXX this year. I have filed another complaint with # XXXX for reference. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DELETE THIS ACCOUNT I HAVE NO LIABILITY AND THIS WAS UNAUTHORIZED INQUIRY
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose. 15 USC 1681i ( A ) ( 5 ) ( A ) ( I ) & 15 USC 1692G ( B ) ( A ) ( 3 ) ( A ). Remove this account immediately. DRC # 111015
Product: Money transfer, virtual currency, or money service

I sent {$2000.00} to my parent on XX/XX/XXXX through Money Gram, and the money keep on showing " On the way '' through the apps, after a few business days, I call their customer service XXXX and find out what the updates, I were told that the money is being held due to possibly fraud, which is understandable and appreciate the extra step they did. so I confirmed with the reps say the money transfer is not a fraud and it is for my parents, so he said he has cleared the hold and the fund should be available momentarily. 

On XXXX, the money is still showing " On the way '', I call the customer service again, and the reps said they cleared the hold but it was the other bank in XXXX not accepting the funds, and they are opening the investigation case and find out. 

On XXXX, I told my parent to check with their local bank, and their bank respond say they did not block any incoming fund and there is no notification on their end there is such transaction coming in from Money Gram On XXXX, I reach out to money gram through email again with the updates I received, Their respond is to ask me wait for 10 business day. 

On XX/XX/XXXX, they respond to me say they are requesting refund now through the XXXXXXXX XXXX, and it was them who rejected the fund. which is not true because the other bank already informed us, they did not receive any transaction through Money Gram Now, my parent and I have been waiting for 2 weeks now for this money to get transfer, and there is no update and little to no helps from money gram. They need this money by end of XXXX, It is for their living cost, and they are XXXX  people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Student loan debt collector ( XXXX XXXX XXXX Credit Reporting department in regards to reporting on my credit report. Requested under the Privacy Act, 5 U.S. 552a, to not disclose my personal information to any 3rd parties. Such as Affiliates, Non Affiliates, Joint Marketing, Credit Bureaus, any other companies. 

XXXX XXXX sent me an email on XX/XX/2023 stating Your XXXX XXXX loan listed below will be reported as delinquent to the consumer reporting agencies on XX/XX/XXXX, XXXX reflect on my credit report Negative information on a credit report may adversely affect your credit rating and can stay on your credit report for up to seven years. 

When I asked specifically for XXXX XXXX not to report it. Why are the laws set in place if companies can just respond like this after asked not to. Especially when i am the original creditor. Also sent the company a letter in regards to dishonored negotiable instrument violations, if the negotiable instrument is not accepted then XXXX XXXX is to discharge the debt, company refused both and no correspondence. Will be also sending this information to the IRS whistleblower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted all the proper identity theft documents including a police report and identity theft affidavit back on XX/XX/2020. I have proof of the certified mail receipts showing the dates received by all 3 bureaus ... .nothing was done.The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments : Consumer Reporting Agencies play a crucial role in accurately reporting consumer information.

It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXXAccount # XXXX XXXX XXXX Account # XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay./ I want the CFPB to publish this description on consumerfinance.gov
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i submitted disputes to Experian for reporting the wrong addresses on my credit profile, I've Called and sent letters on XXXX XXXX to have these items updated and they are still reporting in accurate information on my credit report. They are also reporting misspelled names.
Product: Prepaid card

I have literally tried to use this amex gift card everywhere and the only place that would accept is XXXX and have nothing more to buy there so want amex to cash out since they advertise that these are accepted anywhere amex is accepted which is bogus or in the alternative I am asking the CFPB to disallow AMEX from stating these gift cards are good anywhere AMEX is accepted. I filed a XXXX  complaint and they do not provide anyone to speak to and they responded stating these gift cards may not be able to be used for cash out and or online if online retailer does not allow split transaction. This does not answer why I have been unsuccessful at using in store as well. I also find it crazy that even if you can use to buy items it is almost next to impossible to get the final remaining small amounts off of these gift cards so I would love to know where all of those funds go if they are never used?
Product: Credit reporting or other personal consumer reports

I looked at my credit report and I have 13 authorized inquiries that was not authorized by me inquiries that do not have permissible purpose violation of the USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/1983 Dear Sir/Madam, I am writing to dispute the negative items that appear on my credit report from your company. I am emotionally distressed by the presence of these accounts, which have negatively impacted my credit score and have made it difficult for me to obtain credit. 

Firstly, I dispute the charge off account from XXXX  XXXX ( XXXX ) and the late payment account from XXXX  XXXX ( XXXX ). I believe that these accounts were not accurately reported and do not reflect my creditworthiness. Furthermore, I am requesting that these accounts be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Secondly, I dispute the charge off account from XXXXXXXX XXXX XXXXXXXX ( XXXX ), the collection account from XXXX XXXX XXXX ( XXXX ), and the charge off account from XXXX ( XXXX ). I am unaware of these accounts and have not received any notification or correspondence regarding them. I am requesting that these accounts be investigated and removed from my credit report if they are found to be inaccurate or fraudulent. 

Thirdly, I dispute the charge off account from XXXX XXXX XXXX ( XXXX ), the late payment account from XXXX XXXX XXXX ), and the charge off account from XXXX ( XXXX ). I believe that these accounts were reported inaccurately and do not reflect my creditworthiness. I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 

Lastly, I dispute the charge off account from XXXX ( XXXX ), the late payment account from XXXX ( XXXX ), the charge off account from XXXX XXXX XXXX ( XXXX ), and the charge off account from XXXX XXXX ( XXXX XXXX. I believe that these accounts were reported inaccurately and I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 



I urge you to investigate these matters thoroughly and respond to me in writing with your findings. I am confident that these disputes can be resolved in a timely and fair manner in accordance with the law. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. I received correspondences that my information was on the dark web. I filed and sent a copy of it to TransUnion. I received communication from TransUnion stating the FTC identity theft report was sent in error and therefore was not processing it. I completed another one and sent and received the same letter. I called and filed my dispute with a representative and TransUnion reported the item was being reported correctly. I called and filed a dispute again. The agent requested hard paper evidence to prove the debt was mine. Again, TransUnion sent me a letter the item was being reported correctly. 

I do not think or feel TransUnion is adequately investigating disputes. They are taking the lenders words and not asking for evidence. Please help.
Product: Debt collection

Debt was not mine by DRS amount was {$1300.00}
Product: Checking or savings account

Subject : Request for Reclassification of Dispute Numbers Dear [ Recipient 's Name or Department ], I am writing to formally request the reclassification of dispute numbers XXXX and XXXX to reflect that the transactions in question were not authorized by me and should be categorized as fraudulent. Both claims involve unauthorized payments that were processed without my consent, and I would like these cases reopened for further investigation. The dispute type should be amended to fraudulent unauthorized, and I request that they be re-evaluated under new dispute numbers as required by legal standards. It appears that the previous assessments incorrectly categorized these disputes as " service not received '' rather than addressing the fraudulent nature of the transactions. Please refer to the attached documentation for further details. Thank you for your attention to this matter. I look forward to your prompt response regarding the necessary adjustments. Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act, the following creditors have violated my rights under 15 UC 1681 section 6 o 2 states that I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Creditors in Violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX