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

My debit card information was stolen and used across multiple businesses on XX/XX/XXXX, XXXX and XXXX 2019 throughout the XXXX area. However, I left XXXX on XX/XX/XXXX to go on vacation for the holiday. There is a XXXX charge on my account proving that I was NOT in the city on XX/XX/XXXX. 

I reported the unauthorized transactions to Regions on XX/XX/XXXX. 

I filed a police report on XX/XX/XXXX. 

I have spoken with a Regions representative about my case, and she let me know that the Fraud Claims Department denied my request for reimbursement today, XX/XX/XXXX. 

These are the charges with location, date and amount : XXXX # XXXX XXXX XX/XX/2019 {$6.00} XXXX # XXXX XX/XX/2019 {$100.00} XXXX XXXX XX/XX/2019 {$9.00} XXXX XXXX XXXX XX/XX/2019 {$250.00} XXXX # XXXX XX/XX/2019 {$460.00} XXXX   XXXX XX/XX/2019 {$87.00} XXXX # XXXX XX/XX/2019 {$250.00} XXXX # XXXX XX/XX/2019 {$210.00} XXXX XXXX XXXX XXXX XX/XX/2019 {$15.00} XXXX XXXX XXXX XX/XX/2019 {$14.00}
Product: Student loan

NAVIENT placed my student loans in " excessive debt forbearance '' without my request and without notification. They have agreed to update my account and put me back into the approved payment plan, but are refusing to update my credit report. I did not request a forbearance and received no notification via mail or email. Please help.
Product: Debt collection

After midnight, I dont remember the specific date, I submitted an online application for a specific apartment unit at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX. The website had the apartment as available for immediate move-in. 
I had a few questions I wanted to ask about apartments, so I called them as soon as their office opened at XXXX XXXX I spoke to a young man. I informed him that I had submitted my application in the early morning hours. He told me my application had not been processed yet. 

I then asked him about the specific unit I had applied for. He told me that the unit was not available. I asked him why it was listed as available, and why I was allowed to apply for the unit if it was not available? He said he did not know ; to both questions. 

Then I asked him what other units are available? He said that they did not currently have any apartments available. Then I asked when would more units become available? He told me he did not know. I asked him did he have an estimate of when more units would become available. He said no. I asked : One week? Two weeks? One month? Two months? He again said that he did not know. 
I asked him why were they charging the application fees for apartments listed as available that actually are not? He said he did not know.

At this point I told : I withdraw my application. Do not process it. I withdraw it. It has not been processed and I do not want to proceed with applying for an unavailable apartment, and you are unable to tell me when a unit will be available in the next two months. I also want my application fee refunded because the apartment I applied for as available, is unavailable, and you do not know when another one would be available. I also want my money refunded for the charity applicants are being forced to donate to before being allowed to move forward in the online application process.

He informed me that a manager would have to process the refund for the application fee, a manager was not currently available, and he would give my complaint to the manager. A few days later I received a voice mail from a female employee from XXXX XXXX XXXX informing me that my application had been denied. 

I had the payment canceled for services not rendered and false/fraudulent/deceptive business practices. It is illegal to advertise the availability of a specific apartment unit, charge an application fee for a unit that is not actually available, not provide an alternative, can not say when an alternative will be available, and then process an application that was withdrawn before the application was processed, and then attempt to extort the fee by placing it on my credit report for collection. 

The {$290.00} collection listed on my credit reports by National Credit Systems is a criminally fraudulent collection originating from an attempt to acquire money from a consumer under false pretenses. I do not owe National Credit Systems {$290.00}. They do not possess an original contract or document bearing my signature that has created an obligation of payment or debt owed to them by me. They are refusing to validate the debt. It has been over 30 days since my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code $ 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX  BOTH HAVE MERGED OUR TWO ACCOUNTS IN 1. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ARE MERGED TWO
Product: Checking or savings account

I have been trying to reach out to XXXX to close my checking and savings accounts for more than a week now via phone and email, but I just can not get a hold of anyone in their customer service. My initial contact was on XX/XX/2021 and I've been trying to follow up every day since. 

I have successfully withdrawn the entire balance from both accounts and they're now at {$0.00}, so there should be no issues closing either account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these companies to pull my credit report
Product: Mortgage

I received damage to my basement XX/XX/XXXX. I filed a claim when I returned from vacation on XX/XX/XXXX. I received a payment of XXXX from my insurance adjuster and I signed it and sent the necessary documents they requested on XX/XX/XXXX. I have been calling Gregory Funding daily and at times weekly as they request and did not get advised of there new requirement that they needed to refer the payment to bankruptcy court before they would release it. I subsequently received a check from my Insurance Aduster for XXXX and i sent it by certified mail and Gregory Funding Claims Department signed for the package on XX/XX/XXXX at XXXXXXXX XXXX. I am now told when I call that I have to still wait untill they hear back from bankruptcy court before they could release the funds. In the mentime my basement is in shambles due to construction and uninhabitable for my grandsons and they are sleeping on the floor untill the basement has been refinished and furniture brought back in. I want to get my life back to where I was before the artic freeze. Please help me get my checks back so I can finish my basement and get back to normal. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX, last four of ssn in XXXX for identification with Gregory Funding LLC.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Federal Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and ai seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file my taxes XX/XX/2020, after some days I got a letter from the IRS saying that my taxes has been previously filed, when I had not, immediately I realize that my identity had been stolen, then I when ahead and checked my credit discovering a number of account that I have knowledge of. I went to the police and filed a police report report and an FTC report as well. 
I'd like you to help me resolve this issue, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I had a Charged off citizens bank account listed on my XXXX credit report that doesn't belong to me. I called Citizens bank and they couldn't find an account listed in my name or social security number. I need this removed immediately because this is hurting my chances in getting a mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had XXXX on my credit report since 2012. Its been closed but some collections company is trying to reopen the account by just changing the date on the report. Ive contacted them telling them they cant do that. and transunion wont take it off because from whAT they see it was opened recently but its almost ten years old. I need this taken off my transunion account its affecting me still and its not fair its not supposed to be on my credit info anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for 3 Credit Bureaus ( learned through more research both parties require ). Please block/remove these files as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; 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
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I had transfer the money through Remitly to XXXX but due to some error money was never received in XXXX and Remitly had withdrawn the money from my bank account in XXXX XX/XX/2023 Now I am been trying to get my money back from them ever since but company is giving me round around I have made so many attempts to get my money my call logs are XXXX they keep on saying same thing that some will get back to you Every time I call its goes to overseas so many time I ask for supervisor they said not available How can I get my money back from this type of fraud company
Product: Debt collection

Between XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX Source Receivables Manag collections was removed from my credit report Between XX/XX/XXXX and XX/XX/XXXX XXXX Source Receivables Manag collections was re added to my credit report Before the XX/XX/XXXX date Source Receivables Manag collections added a collections between XX/XX/XXXX and XX/XX/XXXX which was removed between XX/XX/XXXX and XXXX XXXX XXXX XXXX  I have never received any information about this account which keeps adversely affecting my credit score
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed i had fraudulent account on my report. Please remove this account. They are hearting my ability to obtain credit.
Product: Credit card

I am disputing the balance due and requesting an audit. I had inquired previously regarding being double billed by a vendor. The dispute was closed unsatisfactory. However, the credit card company is now double billing for that vendors charges. I have included invoices from XX/XX/XXXX through XX/XX/XXXX. As you can see my statements were always paid timely and in full. This issue is having an disruptive effect on my finances and well as incorrect billing and credit reporting. Please correct pursuant to the Fair Credit Billing Act.
Product: Credit reporting or other personal consumer reports

I am the agent XXXX, XXXX XXXX for the Principal XXXX XXXX making an attempt to opt of reporting services for the XXXX XXXX XXXX Account Number ending in XXXX with Equifax. The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXXXXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX who is the financial institution and the consumer reporting agency reporting on this account ( Equifax ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Equifax, and XXXX XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Mortgage

The mortgage was transferred from XXXX to green tree on XXXX XXXX. The same day a escrow summary was sent from XXXX saying we needed to pay a buffer of XXXX by XXXX XXXX or the mortgage would go up by XXXX dollars. Green tree has no records of this but shows the increase of the mortgage. They have no escrow rep other than customer service and do n't even have our latest escrow records. How can they have our mortgage and no escrow records? I 've talked to supervisors and no one will help us. And I Faxed them our own records out of pocket to try and get this taken care of before XXXX XXXX XXXX what We got was they would review it. We are running out of time. It 's very bad run company and they sent us a record when We complained saying We were disputing the debt. Like I was disputing the whole mortgage. We were not and it was a scare tactic. I 've lost my temper with them and been frustrated, I 've tried being nice, I 've tried to be considerate and it all fails. We just do n't understand how they are strong arming us for asking questions about the mortgage. 
The kicker is they tried to talk us into refinance at one point too. I just do n't know what else to do. They said they would take the buffer over the phone and waive the fee, but when I faxed the paperwork on XXXX XXXX no one called back. Then on XXXX XXXX I called and the supervisor would n't even get on the phone and they said escrow dept would have to review and they did n't know how long it would be. Effectively putting us past XXXX XXXX. I 'm distraught by this company and the lies, ineptitude, and general feeling of doing us a favor of taking our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done TRUIST BANK can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If TRUIST BANK reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting or other personal consumer reports

I already disputed these accounts and they continue to be reflected incorrectly on my credit report, so I request that they be removed immediately for violation since they are incorrect and fraudulently opened. The accounts are : Name : XXXX XXXX XXXX XXXX, Name : XXXX XXXX XXXX XXXX XXXX, Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX, Name : XXXX XXXX XXXX XXXX.
Product: Bank account or service

Yesterday, I deposit a check from my company account ( XXXX ) to my personal account ( Regions ) using my mobile and I selected from the deposit option to be cleared last night and paid the {$3.00} fee requested. With no warning, this morning I see that my check is ON HOLD XXXX XXXX XXXX while the money was taken last night from XXXX account. Basically, Regions Bank is holding my money ( XXXX {$3700.00} ) for 8 days, with no reason and no warning. By the way, the money was to pay my mortgage with Regions Bank. 
This is an abuse and arbitrary action and when I asked where can I write a complain the denied me the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX  XXXX ( XXXX credit card ). Payment is due on the XXXX of every month. This month I made a full payment of the account balance on XX/XX/2019. The payment posted on XX/XX/2019. However, the bank reported a balance of {$35.00} on my credit. I called customer service, I was advised to mail or fax my credit statement along with my credit report for correction. 

To my dismay, the bank has made another report on my credit, reporting another more higher balance on my account. These two reports are within the same month just days apart.This has affected my credit score drastically. 

I believe the bank has intentionally decided to hurt my credit because I initiated a dispute with equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for credit somewhere and they told me I was denied because of a fraud alert through equifax I have never had fraud and this does n't belong to me and want it removed. Can you please help with this!! This is the first I have ever heard this. Thank you for your help in advance
Product: Consumer Loan

my payment for my truck is due on the XXXX of the month, and after XXXX days they began the calls i 'll answer and tell them when I am going to pay them and just about every day XXXX times a day I will get calls from them asking the same thing each time I ask why do they call everyday almost, they say it 's the computer dialing and the have to keep up collection activity. it seems like harassment to me can this be stop. finance company XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$970.00} ; 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 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 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