23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am currently enrolled in XXXX XXXX XXXX XXXX with my loans being serviced by XXXX. For the XXXX  of XXXX through XX/XX/XXXX my loans were placed in XXXX XXXX with assurances that those XXXX would count as eligible for XXXX payments. While the XXXX  of XXXX and XXXX were counted as eligible, the XXXX  of XXXX has not. I've placed phone calls to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in regards to this matter. Additionally, I've messaged them on XX/XX/XXXX regarding this issues. On XX/XX/XXXX, I was instructed that the XXXX XXXX XXXX would correct this matter and I reached to the XXXX. of XXXX and was told that XXXX  would correct. On XX/XX/XXXX, I was told that the payment would be corrected with the next billing cycle. After my XXXX correspondence, I was instructed to submit a new XXXX XXXX XXXX which was submitted and approved on XX/XX/XXXX and the matter would be corrected. During the phone call on XX/XX/XXXX, I was assured that the issue would be corrected in XXXX XXXX  days. As of this writing, the issue remains unresolved. I've now made what should be my XXXX payment ( on XX/XX/XXXX ) towards forgiveness and should have my loans forgiven. With continued difficulty, this will now impact my potential future earnings until this is corrected. I've attached communications from XXXX  regarding this issue.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outragous amount of account under my name that are not mine. Please delete these items from my report. XXXX XXXX  XXXX XXXX   XXXX XXXX {$570.00}
Product: Debt collection

My pay check was garnished with no prior notice. I ask for proof of debt and none has been provided. in the meantime, my checks are still being garnished and I am getting the run-around. I believe these judgements are being robo signed without consumers having an oportunity to dispute the validity of the debt.
Product: Debt collection

The Creditor is XXXX.. This is regarding an XXXX XXXX Account.They turned the account over to a Collection Agency and still continued to charge me interest and late fees. Is this legal? The collection agency stated that XXXX sends them adjustments every month. XXXX will not speak to me. They say they do n't have the debt ... to contact the collection agency..but..they continue to apply interest and late fees.
Product: Mortgage

I had an XXXX  loan serviced by Bank of America. I sold my property on XX/XX/2021. The day after the sale, I called Bank of America customer service to inquiry about the status of my escrow account, which they told me they would close and issue me a refund check for any remaining balance. I waited for almost a month and I received two correspondence letters from Bank of America ; one stating my loan was paid off, the other regarding the balance and closure of my escrow account, but NO check was received. I called Bank of America customer service to let them know I never received a check in the mail, and was promptly told that it was either delayed by the post office or it was lost in the mail. They cancelled the check and reissued a second check. I wait another month, and again I received nothing in the mail. I called Bank of America customer service again, and again they told me it was either delayed or lost or just to keep waiting. I asked if they could transfer the funds into my Bank of America checking account instead and was told that they could not, and they could only issue a paper check for closed accounts. I decided to go into a branch and speak to a representative in person. I told the representative my situation and provide documentation for everything. I told him I have waited 2 months for these funds, and I will be closing on a property in 3 weeks and that I needed my money for closing. The representative called Bank of America customer service and worked with another agent over the phone. He asked that the funds be transferred to my checking account because it has been 2 months and I am in dire need of my money. I was told that my funds would be deposited into my checking account within 3 business days. I waited 4 business days and checked my account everyday, and I still have not received my escrow funds. My loan was officially paid off as of XX/XX/2021 according to Bank of America. To this date, it has been 61 days or 45 business days and I still have not received my money or an adequate answer to where my money is or when I can expect my money to be returned to me.
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. XXXX 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 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 im XXXX n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX acct * XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NE XXXX acct * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX acct * XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX acct * XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX acct * XXXX Transunion Account XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, Ca XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX XXXX of XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX, Al XXXX 15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This complaint is stating that your bank has deliberately cut off several years of payment history to re-age my account. Even though the account is missing several years of payment history, the timeline as to when the account should be deleted, under the current late payment history is close, within a few months. Accordingly, I request your bank to do a full review of my payment history, and not delete any late payment history in the process. If there were any additional late payments not posted, then I am within my rights to have the trade line deleted permanently. I understand that your bank must comply with the rules and guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. There is currently no collection enforcement that can be accomplished due to the rules within my state of residence. If my husband is the responsible party on the account, and I was just an authorizer user, then I respectfully request the deletion of the trade line. There should be a definitive deletion date within the 7-year rule to this  account. However, I believe that since your bank has cut off several years of payment history, there is a high level of probability that the account should have been deleted years ago. Please comply within the rules as well as your banks subscriber agreement with all three pertinent credit reporting agencies. PLEASE DELETE THIS ACCOUNT PERMANENTLY!!!
Product: Student loan

I filed XXXX XXXX bankruptcy in XXXX because I was being evicted from my apt . I paid what I could through the XXXX  XXXX. In XXXX my bankruptcy was coverted to a XXXX  XXXX due to hardship because I had a XXXX XXXX XXXX XXXX XXXXXXXX and declared a hardship. It was discharged six months later XX/XX/XXXX XXXX bankruptcy mostly contains XXXX  loans from XXXX. After discharge, my loans remained and my car was repossessed. Now my loans that I expected to be discharged through hardship has been transferred to AidAdvantage. I'm social security XXXX of XXXX per month and I have to pay for my own medical treatment. I can't pay my own rent right now. I'm in over XXXX in student loan debt right now. And my I have no degree.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this compliant on the following dates XX/XX/XXXX and XX/XX/XXXX. I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Product: Money transfer, virtual currency, or money service

I purchased an option from XXXX back on XXXX XXXX, XXXX for XXXX btc using my coinbase wallet. 3 hours later I won my option and funds and earnings were returned to coinbase three hours later and documented by the bitcoin blockchain. I never recieved a credit to my account for XXXX btc and from my research of the blockchain can see my money was sent from coinbase into some coin tubbler service. I have reached out once last year and never recieved a follow up from the coinbase research team. I contacted them again yesterday XXXX/XXXX/XXXX asking for my money to be returned. I have still not recieved a reply so I 'm seeking your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I share a Santander Consumer USA loan account with my wife and we made on time payments with the loan and then we decided to refinance with a different bank. The problem for XXXX has been corrected on my wife 's XXXX credit report with one credit bureau, but not for XXXX. On my XXXX credit report for the first month, XX/XX/2018 Santander is saying they " can not find our payment '' in their system. I showed bank statements proving that we made the payment. They will not report paid or current. For the payment in XX/XX/2018 we did not make the payment but the refinancing was completed and paid in full before 30 days late. On my credit report before the dispute it showed XXXX was 30 days late and XXXX was closed. Now after the dispute it shows XXXX and XXXX both 30 days late and Closed in XXXX. That is completely incorrect because it was paid in full in XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by a customer service representative over the phone that the social security on my banking account was incorrect. I was able to verify my account with my phone, however, the banker recommended I seek assistance in person. On XX/XX/XXXX, I visited the Wells Fargo location in XXXX- XXXX and I spoke to XXXX XXXX, a banker. XXXX was able to edit and fix my social security on my account. However, I was left with many questions as to why the wrong social security number was on my account. I have been a customer of Wells Fargo since XX/XX/XXXX, and I have never experienced this kind of issue. It is upsetting that Wells Fargo did not have my social on my own account and therefore I was building up my credit on someone else 's social security. My credit score used to be in the low 700 's and now it is in the very low 500 's when my social was fixed. Consequently, it is unfair to lose the credit I have built up over the years due to a mistake that was made by Wells Fargo. I made a complaint and I faxed it in XX/XX/XXXX, however, I never received anything in the mail as the Wells Fargo representative said. It has been over 90 days and I am now filing a second complaint.
Product: Debt collection

Syndicated Office Systems is violating Federal Law, the F.C.R.A. by attempting to extort monies/payment from me ( XXXX ). I have NEVER signed ANY agreement, or documentation with them, and do n't know who their organization is! 
Furthermore, in claiming this erroneous suppose debt they have violated Federal Law ( F.C.R.A. ) bt NOT providing the original document signed with them ( Syndicated Office Systems ) that they are claiming is attributed to the debt, nor even any amount of the debt to include interest, and fees associated with this attempted extortion. 
Until the above mentioned is provided this erroneous collection extortion attempt needs to be IMMEDIATELY removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CREDIT AGENCY HAS BEEN REPORTING INACCURATE INFORMATION FOR SEVERAL YEARS EVEN AFTER I HAVE FILED POLICE REPORTS AND REORTS WITH THE FTC THEY HAVE YET TO FIX IT. I WANT TO SUE THEM AND HAVE THE FILES REMOVED. XXXXXXXX  for {$5400.00} XXXX XXXX XXXX for {$15000.00} and XXXX XXXX XXXXXXXX for {$0.00}
Product: Money transfer, virtual currency, or money service

ON XXXX I " XXXX XXXX {$150.00} TO XXXX XXXX XXXX '' DONE BY XXXX MAXIMUM DATE. ON XXXX I RENTED XXXX, BECAUSE I DON'T HAVE VEHICLE, WENT TO CHASE BANK ON XXXX XXXX XXXX FLORIDA AND XXXX TALKED TO 4 PEOPLE THAT COULDN'T PUSH THE APPROVAL THROUGH SO THEY SUPPOSEDLY " STOPPED CHECK '' ON XXXX AND " IN 2-3 BUSINESS DAY 'S {$150.00} WILL BE PLACED BACK INTO CHASE BANK ACCOUNT " .. ON XXXX AT XXXX XXXX  I HAD TO CALL CHASE BANK AGAIN TO " STOP CHECK ''.. I FILED COMPLAINTS AND ON XXXX ON XXXX I CALLED XXXX WITH CASE NUMBER : XXXX AND TODAY IS XXXX AND MY {$150.00} " BILL PAY " IS NOT ON NEITHER ACCOUNT 3 WEEKS LATER AND NEITHER HAS CHASE BANK COMPLAINTS OFFICER CALLED ME BACK. NOW MY BILL 'S LATE AND MY CREDIT SCORE HIT BECAUSE I HAD TO USE CREDIT CARD TO PAY BILL'S..
Product: Credit card or prepaid card

My car was stolen on XX/XX/XXXX, and in my car was my bank of america prepaid debit card. This card was compromised, and the remaining balance of XXXX $ or so was fraudulently depleted. Since XX/XX/XXXX or so I've been dealing with Bank of Americas claim team, and have been unable to regain access to my account. 

After filing my claim around XX/XX/XXXX, and receiving the new prepaid card Bank of America/EDD has placed a hold on my account. They both claim that they haven't made any action against my account, but I have been told to wait and wait and eventually my account will be reopened and I'll be able to utilize the funds that were remaining, and hopefully the funds that were fraudulently used. I desperately need these funds as my EDD income is my only source of income currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 and Section 605B, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. The accounts below are showing inaccurate information on my credit file report as the debts on each account is not mine : Account # XXXX Account # XXXX Account # XXXX My only address is XXXX XXXX XXXX XXXX # XXXX XXXX, KY XXXX since XX/XX/2000 until Present. No valid information of mine is associated with any additional addresses that may be reporting as mine. The company from Account # XXXX, Account # XXXX, and Account # XXXX has failed to provide a valid wet signature or XXXX form from me. The status of each account should be closed due to required deletion as the debt is not mine. 
These debts on my account are not mine. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY! 

INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY! 

This process through CFPB has documentation proving that Experian, XXXX and XXXX have Identified me as XXXX XXXX XXXX also known as XXXX XXXX XXXX. Yet each company has recently failed to report accurate credit information. Each document specified each consumer agencys response consistently requesting identification after previously verifying my identity which caused monetary losses up to {$40000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Acct XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested from XXXX EXPERIAN XXXX Copies of XXXX copy And current copy of XX/XX/XXXX I have had identity theft registered with the FTC and confirmed by the office of the comptroller for currency. 
I need the above copies as requested since XX/XX/XXXX And XXXX and XX/XX/XXXX To assist me in recovering
Product: Checking or savings account

I contacted the risk and closure department today XX/XX/2023 I was told I can go to a bank branch and receive funds from my checking account that was closed. Im thankful and happy about this however since my bills are way past due and I face eviction I need the funds from my savings accounts as well one savings had {$500.00} another had {$1000.00} again to reiterate this is a problem I face eviction from non-payment of rent I take care of my Aunt that is XXXX and on XXXX my Aunt can not stay in a shelter and we do not have family here in this state that we could stay with not to forget to mention it is holiday time and I literally have no money because BANK OF AMERICA HAS IT ALL. If Bank of America needs proof of where my money came from I can provide proof Ive received my money from employment, unemployment, student loans, and personal loans I'm willing to provide this information if it helps. A check for the two savings accounts being issued is unacceptable I need to retrieve all funds from all accounts by showing up in person with my ID and SS card to verify my identity. This is unacceptable please please please help get this resolved so I can retrieve all funds at one time.
Product: Vehicle loan or lease

this company called XXXX XXXX is a riff company paying car bills for alost 3years failed to provide gap when i bought the and over charging me i was giving the chance to go throu the loan and for me and the interest. amount remaining blc XXXX