23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It's been over XXXX days since I asked for an initial investigation and XXXX days since my follow-up letter to dispute inaccurate information on my credit report. I have been ignored and XXXX, XXXX, and Transunion refuses to address and solve my issue. This is violation of my rights according to XXXX XXXX XXXX. Then my payments are inaccurate nor comply to XXXX XXXX XXXX nor did I give written consent.
Product: Debt collection

His debt was paid in 2017 to XXXX XXXX this date still being reported to the credit companies that are saying that it still a judgment this is no longer a judgment it needs to be removed its either an ethical issue or its on just and its illegal
Product: Debt collection

I tried to settle with this collection agency, Portfolio Recovery, I offered payment for removal from my credit reports. To summarize my letters, I stated by accepting payment enclosed portfolio recovery agrees to removal and deletion of this debt. If they did not agree the could mail back my check, I enclosed a self address stamped envelope. 

Portfolio accepted my payment, but is now reporting on my credit report with this statement, " Legally paid in full for less than the full balance ''
Product: Debt collection

XXXX XXXX from CSRS INC phone : ( XXXX ) XXXX called my place of employment unlawfully to try to collect deb that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent police report and ftc XXXX 's {$5.00} XXXX settlement with the Federal Trade Commission this ... But the commission also said XXXX violated the 2011 order by ... 

XXXX  It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely XXXX  would sue you for a debt you may not owe or they can not validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. 

ncua with XXXX XXXX XXXX XXXX NCUA Recovers {$400.00} XXXX from XXXX XXXX As NCUA continues its efforts, we will strive to provide complete, easy-to-access information about the settlements, legal fees, and related costs of litigation. 


XXXX XXXX XXXXhowever, take out a payday loan from a company called XXXX XXXX, who ... I have made complaints to the FCC, attorney general, the donotcall.gov and XXXX. ... Just received a call from XXXX claiming I owed money from a ... I was told that if I agree to make three payments to settle the debt they ...
Product: Credit reporting or other personal consumer reports

In XXXX I was a victim of an assault inside a XXXX by a man who then was wanted in XXXX states and they charged him with XXXX counts of attempted murder I was beaten severely and suffered a fractured skull, broken eye socket and more severe injuries including blood clots still to this day. During all this I had insurance and it was billed and paid but yet I have so many collections of things out of my control I have already had deleted off my credit but they keep returning. I got divorced in XXXX and my name changed because the judge combined my married and XXXX name. This had made it difficult for me and even though I paid my credit cards on time they just closed my accounts. I have disputed and won then I see it comes back and sold again. Only thing I have is my credit and as you can see I am working hard to fix it. I am XXXX now and also have a son who is now and adult with special needs. Attached are collections and documentation of why I have tried and now are doing this to get help and them removed completely. I am a XXXX of a credit file limiting me to not be able to do anything for my family and myself not having credit. 
XXXX XXXX, Progressive, XXXX XXXX, XXXX XXXX, Kohls,, XXXX, credit XXXX and more I have attached. Also you can see that some had just been canceled for no reason and the reason is the change in my name I have sent my name and divorce details with my new ID but it still hasnt been fixed leaving multiple names on my file. I am out of energy disputing and winning then loosing because illegal sell of debt and old debt becomes new from collection companies that are dishonest and cruel. Its horrible a car insurance policy rate depends on your credit rather than driving history. I am desperate to get help and I cant afford attorneys to do what I have been working so hard to clean up. I have court papers to show the judgement are and should be removed from XXXX XXXX and more. Please see items I download documents are, court papers, Id, proof of the violent crime I was a victim of, my divorce showing my name change and more. I have sent more letters I hope this helps and also the amount of XXXX inquiries on my credit in XXXX months is over XXXX from car dealerships that continue to run it behind my back. 
I attached the collections that need to be removed so I can get my life back
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that was not verified and still being reported on my report, FCRA states accounts must be verified or removed. XXXXXXXX XXXX XXXX XXXXXXXX needs to be deleted immediately.
Product: Student loan

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint against Ed Financial Services regarding the mishandling of my student loan account. Despite multiple attempts to address this issue directly with the company, I have been unable to find a resolution, and I believe intervention from the CFPB is now necessary. 

My complaint centers on the following issues : Failure to Update Accurate Loan Balance : Over the past several months, I have diligently requested Ed Financial Services to update my loan balance accurately. These requests have been made through multiple emails and attempted phone calls. Unfortunately, my requests have been met with complete silence, and my loan balance remains incorrect. 

Charging Interest Based on Incorrect Amount : To my dismay, I have recently discovered that Ed Financial Services has been charging interest on my loan based on an incorrect and inflated balance. This not only impacts the accuracy of my account but also results in unfair and unjustified financial consequences for me as the borrower.

I firmly believe that a student loan servicing company bears the responsibility of maintaining accurate loan balance information and providing efficient and responsive customer service. Ed Financial Services has failed on both fronts, leaving me frustrated and concerned about my financial well-being. 

. 

I kindly request that you acknowledge receipt of this complaint promptly and provide me with a reference number or case identifier for tracking purposes. 

I am hopeful that your intervention will lead to a fair and timely resolution of these issues, which are negatively impacting my financial stability and well-being. I look forward to your response and assistance in this matter. 

Thank you for your attention to this complaint and for your dedication to protecting consumers ' rights. 

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

XXXX XXXX XXXX- Pulled XXXX/XXXX/2018 ( I was not present at the dealership nor did I give consent to pull my credit, I told the sales counselor that I already got approved for a loan and he still decided to shot gun blast my credit with these hard inquiries ) Ally Financial- Pulled duplicate hard inquiry on XX/XX//18 while I was not present at the dealership. I demand that the unauthorized/duplicate inquiry be removed from my credit report. I was told that when my credit was pulled it'd only show as one hard inquiry. I was lied to and coerced by the sales counselor to pull my credit in the first place. As I have said before in the above comment, I was already approve by a company for an auto loan for a good rate. I was promised a better rate that did not take place. 

XXXX XXXX XXXX XXXX Pulled XXXX/XXXX/2018. I don't even recognize this company let alone did I give authorization to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX account number # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2- States a Consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Citizens Bank, ( XXXX. address, I believe ), XXXX XXXX XXXX, XXXX, MA XXXX ( " Citizens '' ), has failed to record Discharges for two old, long-closed Home Equity Lines of Credit in my wife 's and my names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ). The lines were for {$100000.00} ( XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  ), and for {$300000.00} ( XXXX XXXX, PG XXXX, XXXX XXXX XXXX XXXX XXXX ). Both HELOCs have been paid off and closed for well more than a decade. 

Citizens ' neglect to record Discharges for both HELOCs, turned up in a Title search conducted as part of our application for a loan with XXXX XXXX XXXX- I confirmed the problem with my own view of the XXXX XXXX XXXXXXXX XXXX XXXX 

My efforts to resolve the problem with Citizens XXXX Home Equity Department met only with being transferred to other phone numbers, and disconnected ( multiple times ). 

Our loan application is being held up because of Citizens past and ongoing failure to fulfill its legal obligation to Discharge the two paid and closed HELOCs.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts : XXXX XXXX, opened on XX/XX/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  XX/XX/XXXX. I have attached 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. These accounts, collections, and inquiries appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. 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

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX/XXXX  XXXX  place a hard inquiries on my credit reports on XX/XX/2020. I have been trying to resolve this for almost a whole year. I was told by XXXX  and Transunion to file a compliant in order for it to be removed from my credit reports. I did not give none of these companies permission to pull my credit report.
Product: Debt collection

JEFFCAPSYS with account XXXX XXXX and a balance of {$1400.00}. 
The original creditor is XXXX advised that i did not open this account or have knowledge of the account.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and Im making this complaint against XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX saying that they are trying to collect a debt that I owe to CALVARY SPV I, LLC. First, the name on the letter is wrong and not my legal name. Second, I have never signed a contract with CALVARY SPV I, LLC, so I am confused on how XXXX XXXX XXXX XXXX, which is a debt collector, is trying to collect a debt for another debt collector. I haven't even given XXXX XXXX XXXX XXXX any permission to use any of my identifying information to contact me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I am demanding a cease and desist of all illegal activity, any communication, and collection activity of this alleged debt until XXXX XXXX XXXX XXXX can provide me with sufficient documentary evidence, like a contract agreement with my signature that says I have any legal obligation to pay XXXX XXXX XXXX XXXX or CALVARY SPV I, LLC on this alleged debt. I have attached both a conditional cease and desist and debt validation documents to this complaint.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received a text from Bank of America asking if I had requested a transfer of {$2000.00}. Within seconds I answered a phone call with the BOA phone # ( XXXX ). The person on the line identified himself as a BOA employee. I did not suspect anything because I recognized the phone number and I just had received the text from BOA. The person advised me that {$3500.00} had been transferred to a XXXX XXXX account and that he would help me get my money bank. He proceeded to give me directions and eventually did XXXX transfers totaling {$3500.00} back to me. He advised me that he would lock my mobile app for 24 hours and he would call me back in 24 hours to verify that the money was back in my account. He called back the same day approximately at the same time, I logged onto the mobile app and discovered that the {$3500.00} was still not in my bank account. The person then advised me that the money was actually transferred to a XXXX account and that we would do the same procedure as the day before. I did another XXXX transfer of {$3500.00} back to " me ''. He advised me again that he would lock my mobile app for 24 hours and call me back to verify that the monies had transferred back to my account. On XX/XX/21 when he failed to call me back at XXXX XXXX. I dialed the phone # XXXX and was advised by BOA that there was no record of a BOA employee contacting me and that I had been scammed. I filed a fraud and scam claim and both were closed not in my favor. I was advised that they would not be reimbursing my {$7000.00}.
Product: Debt collection

I have received XXXX voicemails from " Americollect, '' phone # XXXX, claiming they are trying to collect a debt from me, but giving no info. I responded using this email address, but gave no personal info, and asked what debt and for whom? I received an email response which gave no answers but appears to be a fishing expedition. 

I do n't know of any outstanding debt.
Product: Money transfer, virtual currency, or money service

On the X/XX/17 coin base decided to close my account for no reason I had only opened the account a couple of weeks earlier I got an email telling me they was closing my account and to move my coins and euros before they close it. 
I was able to move the coins to an outside wallet but to move my euros I had to select my bank from a drop down box to send my funds too but when I select a bank there is no bank there and I can not enter my bank details manually because I have only limited access to my account now basically there is no way of getting my money back I have XXXX euros in the coin base acc I have  made four calls to support now and all I get is my case will be handed to a specialist? 
These calls have cost me XXXX as it takes forever for them to answer and no help at all I have three case numbers XXXX Coin base do not want to help
Product: Mortgage

Over charge of interest, failure to keep contract. I have contacted Flagstar Bank at least 4 times over this, they either hang up on me or never call me back. I've been a customer of them since XXXX am almost 6 months ahead on my house payment. I have been ahead on my house payment since day one with Flagstar bank. They have failed to calculate daily interest and charge me according to the payment schedule. 
Example : Interest paid in 2020 = {$6300.00} Loan balance XX/XX/2020 = {$100000.00} Loan balance XX/XX/2020 = {$110000.00} Fixed interest rate = 5.375 % APR = 5.5706 % as stated in original contract Flagstar bank states my APR is 5.793 % ( FALSE ) Average loan balance for 2020 = {$100000.00} Annual Interest divided by loan balance =APR $ XXXX {$100000.00} = 5.846 % APR a very close approximation. 
Please help me to stop this crime!
Product: Mortgage

I have been talking with a XXXX XXXX a Senior Vice President at Bayview about a couple of issues and I am ignored and jerked around by this company. I guess the people at the CFPB are just as big of XXXX as the people at Bayview are because the CFPB does nothing. I guess all the new Federal laws and mandates with the C-19 going around Bayview just ignores you. Maybe some ignorant XXXX at the CFPB should do something and help people since that is what they are suppose to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I provided a " qualified endorsement '' negotiable instrument to my lender XXXX to pay for my mortgage in full in the amount of {$110000.00}. Since then they have demanded additional payments from me each month. The last statement I received they demanded {$3200.00}. Attached is proof of payment in full for my mortgage made on XXXX XXXX, XXXX. They are committing fraud and using the credit reporting agencies to assist. They even threaten to foreclose on my if I do n't pay them additional money.
Product: Credit reporting or other personal consumer reports

EXPERIAN is breaking the law. Ive sent EXPERIAN letters and complaints in great detail explaining this. At this point you, at EXPERIAN, are willingly and knowingly violating my consumer rights. The information you continue to report is a discriminatory misrepresentation of my identity. You at EXPERIAN DO NOT have my permission to make reports containing any information from XXXX at XXXX XXXX and XXXX XXXX by XXXX XXXX and you must completely remove those two accounts upon immediate receipt of this. This is not a dispute notice for you to send to XXXX at XXXX XXXX and or XXXXXXXX XXXX by XXXX XXXX in an attempt to pass the blame and avoid your repercussions for breaking the law. THIS IS A NOTICE FOR YOU AT EXPERIAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND FUND ( Original Creditor : 01 XXXX  XXXX XXXX  XXXX XXXX XXXX ) account with the account number XXXX is being reported inaccurately. The Date of the Last activity is at the year XXXX while the payment history is on XXXX already. This show 's that the company is illegally re-aging this account. Also, you can see at the report that I have attached that XXXX XXXX  XXXX has different statements. Please see this matter and address it immediately. I've already sent a letter to bot the XXXX, XXXX and even MID LAND FUND. They have not completed the investigation of this account.
Product: Debt collection

I want to let you know about a problem with my credit report. There are mistakes in the information about some accounts ( XXXX XXXX XXXX XXXX Date opened XX/XX/year> Balance {$7000.00} ). Even though I tried to fix it with the creditors, the issue remains. I spoke to a representative, and they admitted there was an error. They said they would fix it, but I'm concerned it hasn't been updated yet. I hope you can help sort this out.
Product: Checking or savings account

In XX/XX/XXXX, two unauthorized withdrawls were made from my personal Key Bank account. I alerted the bank to this fraud as soon as I discovered it and immediately closed the account. One transaction was stopped before it was completed ; the other was reimbursed. Upon closer inspection of all the transactions, I discovered that a check mailed to the PA Department of Revenue had not cleared the account. Another check ( {$24000.00} ) written to the IRS appeared to have cleared the account since the correct amount was withdrawn. I did not click on the link to see a copy of the check. 

In XX/XX/XXXX, as I was paying my quarterly IRS taxes online I noticed that there was no payment received in XXXX. I checked the closed account and found that the check I had written to the IRS had been washed and cashed by a person unknown to me named XXXX XXXX. The only original handwriting on the check was my signature. I notified Key Bank immediately of the fraud. I also filed a complaint with the XXXX XXXX XXXX Police and the U.S. Postal Inspector. 

On XX/XX/XXXX, Key Bank notified me in writing that my claim for reimbursement was denied because I had not notified them of the fraud within 30 days. I met with the bank manager who said she had known of several cases where funds had been reimbursement beyond the 30 day window. On the basis of this, she appealed the decision. I received a phone call on XX/XX/XXXX from XXXX XXXX in the Key Bank Executive Office in XXXX. I was told that they were going to review my case. 

Over the next five months I checked in regularly to inquire about the progress and to get more information on how, when and where the checked was cashed. I was told it was their policy to not provide any information to clients. The only information I was told, was that she had " reached out to all of her line of business partners '' but she refused to tell me what a line of business partner was. 

On XX/XX/XXXX Key Bank once again denied the claim saying I had not notified them of the fraud within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX 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