23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am currently a college student. I was contacted by someone through my email and was offered some sort a research opportunity that dealt with finances and sorts. Because of that, they sent me a check and I deposited the check thinking that check was real. After the money showing up in my account, I believed that I had that money in my account. After the person who sent me that check, asked me as one of my responsibility to send money to someone. And since that money showed up on my account, I did as they instructed to send through zelle. But turns out, the check was not real and in the end was scammed and lost XXXX. I send money to them thinking that since the money showed up in my bank account everything was okay. However, later I realized the check was fake. I went to XXXX XXXX XXXX as soon as I could thinking that because it only happened a day ago they could do something. However since zelle is a quick payment, they told me there wasnt much they could do. I believe zelle should protect their customers better and if someone wrongfully sends money, they should be a way to help them with their problems. Now my bank account is empty and I can do nothing but wait.
Product: Debt collection

on XXXX/XXXX/XXXX I was notified by my current landlord that someone had been calling there phone and leaving voice mails on there phone which clearly states there names and business. they left my name and reference numbers. My landlord gave me all the information so I called the number. When the phone picked up, it said please wait. A woman answered the phone and asked for my reference number and name, never did a 3rd point of verification or ever read the mini Miranda act to me. I let her know that she did not follow the guidelines and then moved on to what my call was actually in regards to. I told the woman it was n't my XXXX XXXX debt and they were calling my current landlords number and leaving my personal information on there voice mail. The woman did n't say anything but she would remove the number. I asked to speak to a supervisor and was placed on a brief hold when XXXX XXXX came on the phone and once again ... did n't read me the Miranda act, her excuse ... it was read to me when I called in. 
Which I am pretty sure is n't the law. Also was never told if the call was being recorded either.
Product: Checking or savings account

On XX/XX/XXXX, an unauthorized person was granted access to my bank account by Chase Bank. The person committing the fraud was flagged as fraudulent, but was still granted access and was able to drain my balance by buying new XXXX products and shipping them to a Virginia address. 

On XX/XX/XXXX, I discovered the fraud after receiving an email alert that my email address on the account had been changed. I immediately called the bank and was told that they would change these things back, and that they would fix this, and that they would add layers of security to this option. The agent I spoke to at that time *confirmed* that Chase themselves had granted access to my account to the attacker. They said that they would freeze my account from any further transactions until I went to the bank in person tounfreeze the account. I spoke to no fewer than three agents that day who said they would add various flags and protections. 

On XX/XX/XXXX I went into a branch to follow up ; I was told my account was secure, they had done everything they could. and that my account was safe. I flagged that I wanted to know how the attackers had gotten access, and what information was used. I instructed them to please keep the account locked. Despiteproviding them with information as to where the stolen items would be sent, I was told no effort would be made towards recovery. 

On XX/XX/XXXX, I received another alert that Chase had again given access to my account to someone else. I immediately called to find out what had happened ; the agent in question that I spoke to said not only had nothing changed, Chase had not locked my account. Chase had not reported the fraud or started any refunds. Chase had not added the requested password. This agent, XXXX, said he would proceed to do these things. 

On XX/XX/XXXX, I called again to try and resolve these issues ; I was told that there had been no modifications to security or other improvements, despite the agent acknowledging the new username which I had added on the XXXX. They said there had been no changes to the account in months. They said they would add two factor authentication again on my account to add a layer of protection. As of today, XX/XX/XXXX, I was able to access my account without 2 factor authentication.
Product: Student loan

Why am I STILL confused about the status of my loans? 

Why can't I get clear, concise and COMPETENT information... EVER? 

Why does it take FOREVER to receive responses from " Customer Service ''? 

On which plan am I? I believe that I applied for the " SAVE PLAN '' that AidVantage has been touting for so long? 

From where did the XXXX XXXXXXXX XXXX come? Why is it listed on my loans at all? I NEVER completed more than a WEEK of class at that institution. Weren't those loans CANCELLED? 

There are at LEAST TWO ( 2 ) more e-mails that were sent to " Customer Service '' within these past TWO ( 2 ) WEEKS. Why am I STILL WAITING for CLEAR, COMPETENT, and TIMELY responses? 

What is my progress towards loan forgiveness? 

What was the REAL issue with my JOINT BANK ACCOUNT? You can SHOVE " auto-pay ''! I'll pay MANUALLY, thank you! 

Frankly, my student loans have been through entirely TOO MANY servicers during these past XXXX or so years!
Product: Credit reporting, credit repair services, or other personal consumer reports

Everything about this account ( XXXX XXXX ) is not right, for starters I did not authorize this account, and secondly its reporting that a partial agreement is in place inwhich is not accurate. Then its also reporting that the last payment made was in XXXX of XXXX but yet the payment history does not reflect that. And lastly this account was already removed from my credit data file in XXXX but reinserted in XXXX without any prior notification inwhich a 7day notice was suppose to be given to the consumer by law. Therefore, with all the factual grounds stated above via the consumer laws thats governed by The FCRA, this account shall be removed and blocked immediately from my credit files. Please remove and block this account. 

1 ) XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2016 my husband and I were moving from one city to another and we decided to stop at a XXXX store to buy a hammer before arriving at the new apartment. It was around XXXX XXXX. When we got back to the car, the passenger window was forced and my purse with all our documents -including passports, social security cards, and driver licenses were stolen. The police told us that it was common in the area. 

We reported the situation to the credit bureaus but after 6 months some credit cards were opened using our information. A Journey Capital One was opened using my information. I discovered this in the last few months.
Product: Mortgage

I took out a HELOC with 5/3 Bank in XXXX. In XXXX, I ran into some personal issues and could not pay the HELOC as the interest rate adjusted. My payment amount doubled. The HELOC was eventually charged off. I had tried to obtain a modification with 5/3 several years ago. It was going smoothly until payment was demanded to do the modification. I was given 1 day to come up with a {$700.00} payment before the mortgage would be charged off. I simply could not come up with the money. Then in XXXX 5/3 brought a lawsuit against me for the charged off HELOC. I again could not pay and consulted an attorney for a chapter XXXX bankruptcy to pay the arrearage. The BK XXXX was approved in XX/XX/XXXXwith a payment to 5/3 of {$400.00} for the arrearage and {$400.00} to keep the HELOC current. In XX/XX/XXXX I sold my property in order to pay off the HELOC. On the pay off I was hit with {$11000.00} and accrued interest of {$49.00}, XXXX. 5/3 also supplied a payment history which I believe does not take into account any of the monies paid to through the bankruptcy. I have made several attempts in XXXX to recover the monies owed to me and to receive a breakdown on how my payments were applied. My bankruptcy attorney was not familiar with this happening as he stated this was the first time he saw deferred interest on a payoff after the arrearage was agreed upon by 5/3 at the time of the bankruptcy filing. 5/3 also used a debt recovery service who has not answered any inquiries I had in regard to my account. All that was furnished was a payoff breakdown to my bankruptcy attorney. 5/3 's debt collection agency did not furnish the payoff until 3 days before closing. I did not want to postpone the closing and jeopardize the sale of the property.
Product: Debt collection

Earlier this year, XXXX XXXX sued me for {$960.00} in regards to a previous Capital One credit card. They won ( case ( XXXX ) and my paychecks were garnished as of XXXX of 2021. The entire amount was paid in full on XX/XX/2021. They have yet to report the XXXX balance to my credit report, and when I dispute the amount they are claiming that it is unpaid. I have paystubs that show it was paid in its entirety as well as the court order.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX  XXXX Balance : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

walked into dealership they told me they would run my credit once, i checked my report they ran it several times. 


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

In XX/XX/XXXX, I sent certified letters ( that were signed for ) to all three credit reporting companies stating that information on my reports was incorrect. I didn't hear back at all from two of the agencies, and XXXX   only seemed to update some inconsequential/irrelevant information on my report that I had not requested to be revised. My complaint to the companies was based upon a student loan for {$1400.00} that I received from XXXX XXXX XXXX in XX/XX/XXXX. The account first went delinquent in XX/XX/XXXX and was then sold to XXXX/XXXX XXXX on XX/XX/XXXX. This collection agency informed me that I absolutely had to sign up for its rehabilitation program, which required a down-payment of approximately {$150.00}, plus monthly payments of {$50.00} ; I was repeatedly told that paying the account in full would substantially hurt my credit, but that signing up for the rehabilitation program would actually earn me good credit. I paid this agency through the program for approximately one year before the account went delinquent in XX/XX/XXXX ( see attachments ). The loan was then sold multiple times over the next few years, with substantial ( considering the amount of the original loan ) fees tacked on. Throughout that time period, I made inconsistently made numerous payments, but I struggled due to the fact that my loan had been sold so many times, and because I had to have new credit cards issued on three occasions due to fraud or lost cards ( because these " rehabilitation programs '' required that I sign up for an auto-pay with a credit card number, yet that number changed repeatedly, payments were declined on multiple occasions. The loan finally ended up with the US Department of Education in XX/XX/XXXX, in the amount of {$2800.00}. 

This shows up as an adverse account on my credit report because the loan was sold multiple times. Per 605 - 15 U.S.C. 1681c ( a ), no consumer reporting agency may make any consumer report containing accounts placed for collection which antedate the report by more than seven years. I have only ever received the single student loan in my life. Because all of the student loan accounts on my current and former credit reports originate from the same XX/XX/XXXX student loan account through XXXX XXXX XXXX, and because that loan first went delinquent ( and was originally reported negatively in XX/XX/XXXX, which is obviously outside of seven years from today 's date ), these adverse accounts listed on my credit reports should, in my opinion, be removed.
Product: Debt collection

I received a debt collection letter from American Coradius International, LLC for a debt that does not exist. The letter stated that they were collecting a debt on behalf of XXXX. 

I know that I have no account in arrears with XXXX. I contacted XXXX customer service. They verified that not only do I not have debt in which they are attempting to collect, the account number provided by the debt collector does not exist in their system.
Product: Credit reporting or other personal consumer reports

I mailed notarized letters on XX/XX/year> to Experian disputing items and negative information and Experian sent a stall letter and refused to removed the issues that is incorrect So I'm reaching out to get these issues resolved because my rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent credit inquiry ( someone attempted to get a credit card or credit ) with my personal information.
Product: Mortgage

The servicer did not follow proper procedure and offered additional help after last foreclosure date - servicer sent a video with the help I had requested prior to go over all my options. I have been in a dispute over property with home owners association. The servicer is aware of dispute while telling me I can do anything with my property knowing the home owners association would not send accounting ledger needed to name a few to meet my financial obligation I was making my payments in chapter XXXX filed in XXXX. I was told to stop making payments until dispute ends. I am in a position to keep property. My bankruptcy is currently open- the trustee ( XXXX XXXX ) stated to make sure to include what home owners owed which is over XXXX once dispute ends re : blocking me from financial obligation and more. I am currently awaiting for end date regarding final ruling. I believe my home owners association team worked with trustee to stage a clean sale with no bids beyond my balance to make sure I lose property prior to ruling. My hands have been tied- there is no challenge to pay mortgage I simply had to wait as stated in chapter XXXX until matter is resolved with home owners association. 
The video sent after XX/XX/XXXX stated I have options to work with servicer realtor, select my own realtor or servicer work with me for the highest bidder - I was told months ago these options were not available. I am currently asking for an investigation as to how this happened. As I have been in constant contact with servicer. My representative POC kept changing, the message was always different, documents always missing to name a few.
Product: Credit reporting, credit repair services, or other personal consumer reports

Settlement Statement Document with U.S. Department of Housing and Urban Development indicate my home were sold for {$220000.00} and it show that my mortgage loan with Specialized Loan Servicing Payoff in the amount {$100000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX  Account number ( XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX  Account number XXXX XXXX have 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 1, states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Wells Fargo is not responding to our online app and our phone call was not accepted. We have a direct deposit that is not showing that it came in. This happened on Friday, XX/XX/2019 XX/XX/2019
Product: Credit reporting or other personal consumer reports

For a few months I have been in contact with XXXX and XXXX about not reporting a debt that I had yet to pay off on my report. Although they never officially validated my debt, I now have paid off the debt and i need that paid in full fulfillment to reflect on my credit report. XXXX has recently deleted the debt entirely but I need it to show PAID IN FULL on my credit report now. I have the letters from both companies that reflect and show that I have paid off the debt.
Product: Credit reporting or other personal consumer reports

I reject your decision to dismiss my identity theft claim. Who are you to determine whether I've been a victim or not? You lack the authority or legal standing to make such a judgment. If you persist in denying my claim, I will involve my attorney to pursue legal action. Ensure that my identity theft claim is processed in accordance with the law. I am providing you with a report from a legal law enforcement agency, filed with a federal entity. Let 's resolve this matter within the mandated 5-day period. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am disputing an inaccurate XXXX late payment reported by XXXX XXXX  XXXX on my credit report for XX/XX/year>. XXXX has confirmed that this was a system error and provided me with a letter stating that they corrected the error and notified the credit bureaus. However, my credit reports remain unchanged, and this inaccuracy has negatively affected my ability to secure a home loan. 
Please find the attached evidence : 1. XXXX letter. 
2. Credit report showing the error.
Product: Vehicle loan or lease

I have gotten a strew of letters from Wells Fargo Auto Finance in the mail, they all go in the trash because they will not work with me. At this point, I want Wells Fargo Auto Finance to Dissolve the loan as all they do is argue with me over the phone, otherwise I will have to seek an attorney to take on this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me XXXX XXXX and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

One day this company reported/ showed up on myXXXX and XXXX  credit reports. I have been a recipient of identity theft, so I thought maybe this was another one again. Since the identity theft I watch my reports like a hawk now, so I dont ever have to go through that again. It was 8 months going through the XXXX  to get all that fixed before. So I contacted XXXX XXXX
and XXXX  and informed them of this alleged account appearing on my report that I dont know nor never done business with. Both bureaus lied and said that it was validated by the company. I have sent certified letters after certified letters for 4 1/2 years and they keep coming back with the same lie : verified or validated by the company. I have asked for them to do an investigation which they did not do. When they didnt do, but lied and said they did I asked them for the proof/evidence of their investigation. Which they still have never sent a single price of paper to this day.

After 4 1/2 years the company finally sent a price of paper saying this was for a medical bill. I told the bureaus of this and said this would be a HIPPA violation because I never signed nor authorized any medical information to be released to anyone. The United Resource said they dont have to have a HIPPA release. I contacted the alleged company that the United resource said they are trying to

collect for who said they sent a letter ( billing statement ) which I never received. Then they said they gave this immediately to United Resource to collect. I have lost count how many certified mail validations requests and investigation requests and showing I am not the owner of this alleged, no proof sent account. Each time comes back with the same lies of validated or verified. And XXXX even said they are not going to look into this again and ignore it. From the first time I saw it reported on my report through today no signed proof of ownership has been given to me. And no signed HIPPA release form has been given to me. And no billing statement from the alleged company nor signature has ever been given nor shown!
Product: Money transfer, virtual currency, or money service

Unauthorized transactions, tried to reach a live agent on several different occasions and was not able to come in contact with a live agent at no point in time. Accou t was closed without my permission or knowledge.
Product: Credit reporting or other personal consumer reports

It appears as if someone tried to take a credit card out in my name using my credit information. I called citi bank they mentioned they didnt have a record of this. However its showing on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried and tried i have given Experian the proof to correct my consumer report, experian has been violating my consumer rights day in day out. i have asked for REAL VERIFICATION DEMANDED THAT THEY SUBSTANTIATE THEIR CLAIM TO VERIFICATION OF ACCURATE REPORTING BY PROVIDING ME WITH NO REAL DOCUMENTATION TO BACK UP THEIR INVESTIGATION. EXPERIAN JUST TELLS ME THAT THEY INVESTIGted, but no proof is given to me.. PLEASE HELP ME CFPB, PLEASE HELP ME WITH EXPERIAN.THEY LOVE VIOLATING FCRA LAW
Product: Payday loan, title loan, personal loan, or advance loan

This is regarding the loan for the work done by XXXX XXXX XXXX XXXX. I did not sign a work completion order and they are ignoring my attempts at this point for commutation. They called me 3 times in one day and finally told me they were no longer going to do business with me. They did not complete the work to satisfactory, I did not authorize the work to be done like this. This loan is in dispute XXXX is the loan number.