23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Alltran Education is trying to collect debts on behalf of department of education each time I would ask to verify the debt they wont verify the debt owed and the debt is unverifiable but still won't remove the debt from my name. 
Theyre abusing the power for been department of education and the power of issuing debts to private lenders and for-profit schools without any validation but yet choose to use me to pay a false debt that shouldnt been ever created. 
Loan were originated by a for profit school without my authorization, application was received electronically without my own personal signature which leave rooms for errors and fraud and misleading information and department of education issue a debt won't the school. 
When filed a complaint to further proof the debt and their method of investigation they refuse to provide names of people they have been in contact with from XXXX XXXX XXXX XXXX during the process of their investigation. 
The investigation and the verification request has never been received, insufficient or not valid if I didnt physically sing to receive the debt the original loan application isnt valid. 
XXXX XXXX XXXX XXXX is closed and department of education still holding me accountable for a debt because they can't validate the debt.
Product: Checking or savings account

I wired money from my credit union to bank of America and they won't release my money, this is over three months old.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I request that you take immediate steps to eliminate the fraudulent inquiries from my credit report. They were done without my permission and are causing me significant distress.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2. It states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 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
Product: Debt collection

The first time that I tried to make a payment plan to address my medical debt I was told that I could only pay an agreed upon amount that was more than I could afford to pay and that legal action could still be taken against me even if I was making consistent payments if they were under the amount they wanted me to make. I called the legal department and they stated that this was not true and that I could make an affordable payment. I then made a payment plan with R and R Resource Recovery in which they were supposed to apply a specified amount to a judgement I had with them and then a specified amount to a " non-legal '' account. They were to deduct the payment automatically and apply it accordingly and mailed a written payment agreement. Despite this and making payment, I received correspondence from them stating that I was not paying the " nonlegal '' account and that further action could be taken against me. I contacted them and they stated that they had made an error and were applying the full amount of my payment to the judgement and failed to apply the rest to the " nonlegal '' account causing this. I was assured that this would be fixed. I then received a summons both in the mail and at my home ( which I'm sure I paid extra fees for ). I called R and R Resource Recovery who stated that they must have started this process before I initiated the payment agreement with them and that I didn't need to worry about attending court etc. that it would be taken care of. They then moved forward with getting a judgement for this nonlegal account despite telling me that I did not need to attend court or worry about this letter because of the agreed upon payment plan. I believe that they proceeded with this because the debt was about to be 7 years old and they wanted to be sure to secure the judgement regardless of the written payment agreement. I believe that they abuse their power and they want me to commit to an agreement although they do not and then continue to bully me. I also attempted to settle on this debt and they stated that I would have to settle on every debt I had in their office in order to do that even though they were all with separate entities, which I believe to be untrue since they have filed separate judgments against me. They also contacted my employer prior to even having a judgement in hand giving them the authority to do so. There is a apparent lack of communication within their office and with the attorneys they contract with. When I did try to communicate on these issues and advocate for myself I was told I was " volatile ''. They are also still reporting items on my credit report as an agency that they used to operate under that they state does not exist anymore " The XXXX XXXX XXXX   XXXX XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my consumer report, the collection by resurgent receivables been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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/XXXX
Product: Debt collection

Sent a response to Transunion regarding my consumer credit file, I noticed there was no prior full investigation, I requested Transunion to update consumer file and remove all delinquencies and update consumer file as I saw on my consumer file. 

Transunion has inserted a derogatory remark which violates 15 U.S. Code 1692e - False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp block Inc. as well as grain due to an in adequate customer, service and unfair practices, which violate the consumer financial protection at CFPAA specifically cash app as well as green, failed to take timely and effective measures to prevent an address fraud on the platform leaving my account vulnerable and I can take it for the more that sweet resolution process is unfair and deceptive as they did not comply with a resolution requirements under the electronic fund transfer egg and regulation in these actions to call significant inconvenience and Finacial off, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX {$860.00} XX/XX/XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Product: Credit reporting or other personal consumer reports

I had a credit karma account that I closed due to fraud. I closed my XXXX XXXX account months ago however they are reporting that I made XXXX on time payments and then reported that I missed a payment that cause my score to drop XXXX points with Experian and negatively impacted my others. I have proof that I have never made any payments to any credit builder account it was closed then credit karma fraudulently reported good and bad. I have never made a payment to credit karma for anything! I cancelled this in XXXX when I no longer had direct deposit going to credit karma. Credit karma fraudulently reported that I made on time payments that I never made. When I realized what was going on I called again to tell them on a recorded line that I have never made a payment because it was canceled
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a loan denial I decided to check my credit.

Prestige Financial has been reporting erroneous information to the three major credit bureaus. The company has been reporting and increasing outrageous amounts that are false and is causing financial difficulties. The account with Prestige has been closed and charged off since 2016.

The company took the debt to civil court and was awarded a judgment in the amount of XXXX. 
Prestige has continued to report a high balance of {$28000.00} and the amount is climbing every month. 

These reporting are false and fraudulent and is causing financial difficulties. 

I no longer have an open account with this company I dont see how they are legally allowed to report increasing balances per month.
Product: Payday loan, title loan, personal loan, or advance loan

They offered me a loan and checking account that I was pre approved for and then denied me after they offered me the loan and account which by law is false advertisement and they had a inquiry shown on my credit report which affects my credit by wrongfully emailing me a personal offer I would like to either be approved for a small loan of XXXX dollars in which I'll agree to the terms and it deposited to the account they offered me a checking plus 1 account or I want to have a lawyer take them to court for false advertisement in which they solely chose to offer me credit line those are my terms or the credit check they performed to be removed off my credit report as far as the law goes once they approve you for what the offer they sent u by law they have to grant me exactly what the offer was for otherwise I can sue them legally in which I'll begin the process asap if not.
Product: Debt collection

Back in 2008 when US economy went upside down due to banking unregulated methods ( XXXX XXXX etc ... ) I lost my home and a business. I lost ability to pay my obligations. 
I owned home on XXXX XXXX XXXX XXXX in XXXX XXXX , FL XXXX financed by XXXX XXXXXXXX XXXX . 
XXXX XXXXXXXX XXXX took bailout money paid by us taxpayers and walked away laughing. 
I tried to short sell the home and set up pay-off of the debt. XXXX  XXXX XXXX declined 6 short sales and declined to even talk to me about other ways to pay off my loan. 
Years have passed by and XXXX XXXX XXXX didn't foreclose on me in legal manner ( I believe there is statue of limitation of 5 years in State of Florida ) and sometime later on they sold my loan pennys on a dollar to XXXX XXXX XXXX collection agency. After that agency was sued by small lawyer for wrongdoing they than sold it to present collection agency Shellpoint Mortgage Servicing company. XXXX XXXX  XXXX, XXXX, TX XXXX. Phone XXXX This company is constantly harrasing me with phone calls without message ( mute calls ) and monthly letters threatning me with legal actions. They also, are ruining my credit report. 
It is over 10 years since I incurred debt that XXXX XXXX  XXXX abandoned as all wealthy and company do knowing no one will hound them though they are the one who ruined hard working people like me. 
I am asking for help as it is mentally draining to wait each month for the same scenario. 
I live of XXXX social security XXXX thanks to decissions made by our governement but, it is me/us who always paid and pay the price of reckless governing. 
Sincerely XXXX XXXX XXXX
Product: Checking or savings account

I am having issues opening up a Citibank Checking and Savings Account online. I had a previous checking account with Citibank in XXXX and the checking account was closed with a negative balance. The balance and debt I owed to Citibank was discharged in bankruptcy court under Chapter XXXX on XX/XX/XXXX in the United States District Court District of Minnesota Bankruptcy Court. Citibank is discriminating against me and not allowing me to apply for credit or open up a checking account due to my previous checking account with CitiBank, which the debt was discharged in bankruptcy court. Citibank is also discriminating against me due to my race, me being XXXX XXXX ( XXXX ). Citibank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. I deserve a second chance checking account with Citibank. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Product: Vehicle loan or lease

Ive purchased a car through CNAC byrider but my car has a recall. I been without my car for a month due to putting it in a shop before I knew the car had a recall on the engine. My engine is gone & I spent all my Money trying to repair it. I even lost my job due to this and not having transportation yet they still expect me to pay it. The recall started years ago before I got the vehicle. I feel like they should have had XXXX inspect it before selling it to me. This has affected my family. I demand a settlement of {$300.00} because this caused me to lose one of the best jobs Ive had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraud alert on my three credit reports however somebody was still able to get up to 45 inquiries on my equifax I wrote and disputed it and told them it was fraud the other agencies helped me and removed them however equifax argued with me transferred me four times and then the manager hung up on me ultimately which was discouraging
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I decided to upgrade my XXXX  XXXX XXXX  account. I was unable to successfully upgrade. I called XXXX  XXXX XXXX XXXX the same day. I was advised the reason I was denied access was information was return by LexisNexis indicating their records show that I am deceased/dead. Also, on XX/XX/XXXX, I applied for a checking account with XXXX XXXX. My XXXX XXXX  application was declined. The reason was the inability to verify certain information that is required under the XXXX XXXX. Since this time, I submitted online inquiries to LexisNexis on XXXX. They responded to me on XX/XX/XXXX requesting additional documentation. I provided a copy of my driver 's license and current utility bill within the last XXXX  days. LexisNexis has me showing in their system as deceased as of XX/XX/XXXX. I have a XXXX XXXX XXXXXXXX XXXX XXXX, who died on XX/XX/XXXX. Our social security number is identical for except the last XXXX digits. I have tried to call LexisNexis on several occasions. I have submitted an additional online inquiry, however, have not heard anything from them. This is an inconvenience and I need this corrected as soon as possible.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2018 I wrote the following to Ms. XXXX XXXX of Bank of America : My son and I visited you on Saturday, XX/XX/XXXX to close all BofA accounts. We were able to close Core Checking ( XXXX ) and Reward Savings ( XXXX ) but not XXXX because the various fraud departments were all closed on Saturday. As you promised, we were expecting that by Saturday, XX/XX/XXXX account XXXX would be closed per our request. Strangely, we have been trying to close all XXXX transactions, including the account since XX/XX/XXXX when we first spoke to XXXX XXXX, later to XXXX XXXX and then to numerous personnel at debit fraud, online fraud and check fraud. Could you please explain to me why this account ( XXXX ) is not closed yet. 

The reply from Ms. XXXX, almost minutes after I sent the email was, " I did call you last week and left you a message earlier today. Please call me or stop by at your earliest convenience so that we can discuss. ''
Product: Debt collection

I got treatment at XXXX XXXX last year ( XXXX ) XXXX. Each time I went, I paid and was told that was the full payment. Months later they are harassing me for anywhere between {$190.00} and $ XXXX, and it keeps changing. I need a letter telling them that I do not owe this bill, that they are to cease and desist, and clear my balance to XXXX or I will take further legal action, whatever that would be. I don't know. I can provide bills and dates but I'm not sure if I can find everything outside of from their website. LMK what I need. At one point they told me all I needed to do was call my insurance company, but I told them that they are overcharging because it was supposed to be paid in full at the time. Regardless, I have called their billing department numerous times and they have only called me back once and left a message. I have been unable to get in touch with them, and as I mentioned above, they keep changing the amount they say is due. I believe this is at best incompetence, at worst, they are scamming me with fraudulent medical billing. I'm not sure which, but the fact that I can not get in contact with billing is a bad look. 

I had my lawyer write them and their collection agency, Transworld Systems ( XXXX ) XXXX, to tell them this, and to stop contacting me, and they have contacted me at least 12-20 times since then through calls and letters. I am filing a complaint here and with the XXXX Attorney General about their deceptive business billing practices and collection practices. 

I am including the draft letter from my attorney ; I have just requested a copy of the final letter, which I will update here later. The changes are minimal and do not change any meaning of the letter. 

THE LETTER WAS SENT XX/XX/2022. AS OF THIS DATE, NEITHER I NOR MY ATTORNEYS HAVE RECEIVED A RESPONSE TO THIS LETTER. I HAVE ONLY RECEIVED MORE HARASSING CALLS AND LETTERS ABOUT THESE FRAUDULENT CHARGES.
Product: Checking or savings account

In XXXX my phone was stolen and I contacted banks to see if any transactions had been done. Citizens Bank informed me that there was a {$1600.00} XXXX transfer done. I asked them to stop or reverse the transfer because I did not authorize nor perform the transfer. They informed me that they could not stop nor reverse the payment but I could submit a fraud claim, which I did. I also asked for the name of the person and made a police report. They have denied my claim several times, although I informed them that my phone was stolen and I didn't know the person who received the funds. I have also provided them with the police report number and the name of the detective assigned to my case. They told the detective that my account was made whole because it was under {$5000.00}, however that was false information. They repeatedly denied my claim and have not returned the funds. 

This is not the first time that Citizens Bank has refused to rectify an issue. Years ago I incurred overdraft fees because of bank errors that I proved but they refused to fix I don't understand why they refuse to fix issues, even after being given evidence. 

I have been trying to get my {$1600.00} back from unauthorized transfer for four months and they are refusing to give it to me, despite me providing evidence to multiple agents on multiple occasions. They even falsely informed detective that I got my money back.
Product: Checking or savings account

I contacted XXXX XXXX provided through XXXX XXXX this morning at XXXX hrs XXXX I was told they have no way of seeing if a direct deposit was initiated. They told me to contact payroll. For me that is XXXX as I work for the XXXX XXXX XXXX. Received a Trace XXXX from them and was instructed to give that to my bank. Contacted them again and was informed there was nothing they could do and to wait XXXX additional business days from my direct deposit date. I receive this allotment every XXXX weeks and have for the past couple years with it hitting the account on the direct deposit date every time. The last deposit was received XX/XX/2024. Im unable to get any clarity on where these funds are or if pending. Thank you