23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Dear Madam/ Sir, In XXXX, my family purchased a XXXX XXXX XXXX in CT. The local person moved us from the company fraudulently and I reported to FBI. It takes more than 6 years and I have not got the result yet which delayed my civil letigation. My attorneys found the person who is a fraud has fraudulently transferred the assets to himself by XXXX XXXX  one year ago. So they suggested me to find out the bank transaction info through my account which is urgent. I need you to support me get the historical transaction info in my check account of Bank of America in XXXX  to support my attorneys. Thx a lot!!! 

Look forward to hearing from you!!! 

Fondest regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization. These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern. Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Product: Student loan

I am filing another complaint as I was not able to upload additional information with my response. The response from the Department of Education to my complaint is unacceptable. As noted in their response, interest would have been capitalized ( added to the principal balance ) after periods of forbearance or deferment, during the consolidation processes, and during the default/rehabilitation processes. The Departments practice of applying payments to past due interest first that has already been capitalized and included in the principal loan balance does not appear to be a fair, ethical practice, particularly since the loan continues to accrue interest on the unpaid principal during the same period. As stated in the Departments response XX/XX/XXXX, the XXXX ( XXXX ) underlying XXXX XXXX Loans were involved in a consolidation process. The XXXX XXXX Consolidation Loan had an original principal balance of {$73000.00}. Yet, as of todays date, XX/XX/XXXX ( 17 years later ), they still show {$71000.00} as the current principal balance of the loan. 

I requested and received an updated Summary of Financial Activity from XXXX XXXX showing transactions from XX/XX/XXXX to XX/XX/XXXX, indicating a principal balance as of XX/XX/XXXX of {$71000.00}. Since their summary was incomplete, I added transactions from my records received in previous years from the Department of Education servicers for payments made from XX/XX/XXXX to XX/XX/XXXX ( including Treasury Offsets from my Federal and Social Security retirement income ). I have attached a copy of the financial summary I prepared. The principal balance I derived from those calculations ( INCLUDING capitalized interest totaling {$10000.00} ) was {$59000.00} NOT {$71000.00}. For the life of the loan ( 17 years ), Ive paid {$57000.00}, with {$45000.00} ( 79.6 % ) of that amount applied to interest on a principal balance that included capitalized interest! ). 

The response from the Department of Education did not only provide inaccurate transaction data, it also did address any options that I requested that might be available under the circumstances for loan reduction and/or forgiveness.
Product: Credit card or prepaid card

Synchrony Credit have created an unusable online experience that is making it constructively impossible for me to login and check my balance. -- - I have an Amazon.com Store Card which is serviced by Synchrony Credit. The website, which is the only way I can view my statements, has recently been very difficult for me to use. Almost every time I have tried to login, I am told that my password needs to be changed, and/or that I need to receive and enter an passcode through my phone. On X/XX/2017 I tried contacting the bank both through the online chat support channel and by calling their phone support. The online agent was completely unable to help me. After a lengthy wait on the phone, an agent answered but was unable to understand what I was complaining about. Finally, he transferred me to another support queue, where I was put on hold for an additional ~15 minutes. The representative who answered was also unable to help, but told me that she would forward my request to their IT department. This aggressive login scheme seems to me to be excessive and I 'd like for you to encourage Synchrony to make their online experience more accessible. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few months, I've been having a lot of fraudulent activity going on with my credit reports for all three credit bureaus. I would have numerous amounts of inquires pop up on my account that I never gave authorization for. This activity started from XX/XX/XXXX up until XX/XX/XXXX. I've called all of these companies numerous amounts of times to investigate and get them to remove the accounts, but they tell me to dispute it with my credit bureaus. I've also gone back and forth with all XXXX credit burues, sending multiple letters and got no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, Discover Card, has maliciously and illegally reported frivolous data to my credit report causing my Credit score to drop each day. They keep posting similar data maliciously and intentionally and have provide 9 days on two weeks, attached, for proof! Make them stop! They have spammed my file over 20 times in one month.
Product: Debt collection

Per CFPB COMPLAINT ID XXXX on XX/XX/XXXX : " McNeil & Meyers did not buy the account. We are a servicer of the account. We have coded the account to be closed and removed from XXXX XXXX credit bureau. We do not want to fight the dispute at this time. It should update on his credit report in about 45 days. Thank you '' As of XX/XX/XXXX, the {$220.00} account balance to MCNEIL & MYERS remains on my XXXX credit report. 

Why is this account still listed on my XXXX credit report, in opposition to the claims made by MCNEIL & MYERS 4 months ago? 

This false account must be removed immediately. Thank you.
Product: Credit reporting or other personal consumer reports

I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions. 15 USC 1681 C ( a ) ( 5 ) section states No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction or crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is an accurate. 
Account : XXXX XXXX XXXX XXXX  Account # XXXX Account Closed Account is reporting to my credit report XXXX times.It is also reporting negatively to my credit report with has a XXXX balance. It can never have a positive impact or balance. Therefore making unreasonable to be on my credit report
Product: Checking or savings account

On XX/XX/2023, my wife assisted her brother with some Wells Fargo transactions. She has Power of Attorney of his affairs. On XX/XX/2023 my wife and myself were notified of our accounts closing. The reason they gave was pure foolishness as Ive had the same account for 3 years with no issues. The problem started today and Wells Fargo retaliated against us due to my wife advocating for her brother. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am very disappointed at this treatment and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its a closed account and or a collections account by law should not be reporting monthly or at all I have demanded that they delete this incorrect fraudulent account it clearly violates fcra laws and statutes
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureau Transunion stated my account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX were properly investigated but how is that possible if the Date Open is inaccurate, Last reported is inaccurate, Date of Last Activity is inaccurate, missing data and in some cases a Charge-off reporting a balance. They dont seem to be practicing Metro 2 Compliance! This is a clear FCRA violation and is grounds for deletion. They also violated my rights under 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 an account without my written instructions Also, they were asked several times to provide the information below and failed to do so.

1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and collections ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow the collections to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to '' promptly DELETE all inaccurate information. ''
Product: Debt collection

FRANTLINE AND XXXX ARE VIOLATORS OF THE : " DODD-FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. '' 11 COUNTS OF AGGREVATED CREDIT REPORTING FRAUD WITH XXXX AND XXXX IS A CRME. 
7 COUNTS OF F.C.R.A. 
16 COUNTS OF T.C.P.A. 
18 COUNTS OF F.D.C.P.A.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I applied for a mortgage with XXXX XXXX XXXX XXXX XXXX XX/XX/2022. On the same day, our credit report was pulled with our permission. 

However, on XX/XX/2022, XXXX XXXX pulled our credit again WITHOUT our consent or awareness. The XXXX XXXX lender admitted to this error and agreed that it was an unauthorized pull. We were informed that they submitted a request to remove this hard inquiry on XX/XX/2022. Upon further investigation, we learned that they did not submit this request until we continued to follow-up and complain about their lack of response on XX/XX/2022 ( XXXX reference XXXX XXXX ). However, they only submitted it to XXXX ( not Experian or XXXX ), and only for me, not for my husband. 

To date, and thanks to our own action, Experian and XXXX have removed it from my credit history, but neither have removed it from not my husband 's. XXXX has not removed it from either of our credit histories. 

We are requesting that XXXX XXXX XXXX XXXX perform their due diligence in resolving their mistake and request removal of this hard inquiry pull from all three credit bureaus for BOTH my husband and me. 

Attached is the email communications with the XXXX representative admitting that this was in fact an UNAUTHORIZED hard inquiry pull.
Product: Checking or savings account

I just got evicted so families and friends helping me to get a place to stay so the were sending me money throw XXXX with is linked with my TD bank checking account. So as soon as TD bank so money in my account, the debited my account for the the money that was left on closed accounts. I did not authorize them to do this, the dont have any judgement on me, the did not notify me that the will be doing this. I spoke with them on XX/XX/XXXX to have my account unlocked so they should have told me than but the didnt. 
I have contacted them and was told that a manager will calling me but no one called me. I have sent them an email as well and no one emailed me back. I can be reached at XXXX
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/2021, I visited a PNC branch and sent an international wire transfer to relatives due to the Covid situation and related financial struggles. Two days later, the recipient bank requested an amendment, as the recipient 's account had to be a personal account rather than a business account. I visited the branch again on Friday XX/XX/XXXX at XXXX and provided the information for the amendment. I asked for any documentation to be able to track the transaction, but the staff at the bank said they had no receipt or otherwise. The branch employee and later the wire transfer department on the phone stated that an amendment takes 2-3 business days. I started calling the wire transfer department since the following Wednesday as the recipient bank reported that the money had been received, but not the amendment. Every time I called I was told that the amendment had been already sent, but they would not provide any explanation as to why it had not been received. On Friday XX/XX/XXXX I scaled up my complaint. On Monday XX/XX/XXXX I called the wire transfer department again to enquire about the situation, and ( after more than 6 business days and numerous phone calls to customer service ) the bank representative reported that the amendment had not been sent by the bank. In view of the delays, I used a different bank that got the money there in 1 business day ( so I have now had to effectively sent this transfer twice and will have to deal with reversing the PNC one ). The delay had serious consequences for my elderly parents at a time when they have been XXXX XXXX XXXX and unable to repay debts that I was going to help them with. A penalty is in order for PNC bank due to the detriment caused by its negligence. I was provided unprecise information throughout the process and the bank certainly did not comply with the 2-3 business days window stipulated ahead.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed listed int attached document.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX While I was preparing my taxes on XXXX XXXX, they needed to know how much my capitol gains from trading crypto currency were for XXXX. The website gave instructions on how to let them have the report from Coinbase Pro, however they were difficult to follow. I also had Coinbase Pro website on my laptop and was trying to figure out how to do it. On the computer there was a phone number to call to get help. When I called the number the man said he worked for Coinbase Pro and would help me figure it out. He asked me to let him on my computer and said he would take care of it for me. He was doing all sorts of things and he assured me that it was all part of the process. After a short while he suddenly hung up and I never heard from him again. When I tried to call him back at the same number, a recording said it was no longer in service. I didn't want to panic so I waited for him to call me back which never happened. When I logged back on Coinbase Pro my remaining balance was only XXXX cents ... .down from aprox {$5600.00} which was made up of about XXXX in cash and XXXX of XXXX and XXXX XXXX XXXX. 
Later I found out that he also transferred XXXX out of my checking account. XXXX on my debit card and XXXX from my checking account. 
I contacted Coinbase Pro immediately and they said they would begin an investigation into it. I Contacted my bank to stop any transactions I could to Coinbase Pro.

When I called back to Coinbase Pro a few days later, I found out there was absolutely no investigation done at all.
Product: Debt collection

Lvnv funding llc is reporting debt on my credit report that was not sold to them account number is XXXX its different from original account thats still on my credit report please provide documentation thats shows this debt was sold to them with original signature from the creditor fail to provide this document I demand this account be removed within 30 days else I would have to take legal action for fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account numbers listed here has indeed violated my rights. Account numbers ( XXXX ). ( XXXX ). ( XXXX ). ( XXXX ). ( XXXX ). ( XXXX ). ( XXXX ). ( XXXX ). ( XXXX ), ( XXXX ). ( XXXX ).. 15 U.S.C. 1681 section 602 A. States that i have the right to privacy. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to Privacy. 15 U.S.C. 1681 section 604 A section 2 Clearly states. A consumer reporting agency can not furnish an account without my written instructions. In general, any consumer reporting agency may furnish a consumer report under the following circumstances AND NO OTHER. ( 1 ). In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. And most importantly ( 2 ). Clearly states, or in accordance with the written instructions of the consumer to whom it relates per Congress. In sum Congress stated that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system 15 U.S.C 1681 .....
Product: Debt collection

I had utilities thru my apartment that were supposed to be closed and charged to the new tenant when i moved out. I paid the final bill and the leasing office assured me that nothing else was owed and that they would transfer it to the next tenant. This obviously didn't happen but no one can tell me what the collection is for. I've called the utility company and they say nothing is owed and the collection company won't send me verification of the debt like i've asked. Please help
Product: Debt collection

Hello, the debt that's reporting is inaccurate. I called to verify company that place negative item on account. They did not have proof. This is already in litigation process. I've sent out multiple letters yet no response.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

THE COMPANY, CONVERGENT OUTSOURCING INC., HAS MAILED CORRESPONDENCE IN THE MAIL STATING I OWE THEM AN ALLEGED DEBT. I HAVE NO AGREEMENT OR NEVER SIGNED AN AGREEMENT WITH CONVERGENT OUTSOURCING INC. THEY PURCHASED A DEBT FROM ANOTHER COMPANY WITHOUT ME BEING INVOLVED IN THE TRANSACTION. I am a natural person as defined by 15 U.S.C. 3002 ( XXXX ). PURSUANT TO 15 USC Code 1692e False or misleading representations.15 USC 1692 states a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) the false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. XXXX ) The false representation of- ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( XXXX ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( XXXX ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

On XX/XX/1993, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Whereas propers regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of Congress in the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and Every obligation heretofore and hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. I, XXXX XXXX XXXX give authorization for Convergent Outsourcing , Inc to move forward with this complaint.
Product: Student loan

Earnest Operations, LLC is using deceptive and unfair lending practice in regards to their student loan refinance product. They are requesting 10 day payoff letters from your institution that your are refinancing your loan with ; however, they are experiencing a XXXX backlog in payoff processing. They are not making any consumers aware of this back log until after they sign final loan documents. This places many consumers at peril or higher interest expense, opens them up the possibility of incurring late fees from their previous lenders, and the possibility of negative credit bureau reporting due to their lack of ability to process payments in a timely manner. I work in the XXXX and have the skills necessary to protect myself from these instances ; however, not all of their customers will have the level of financial sophistication that I have. I have already had to incur higher interest expenses as a result of their actions, and want to protect further consumer from being harmed. I would welcome a phone call to discuss the entire situation in its entirety.