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

I opened my account with Citibank. I changed my direct deposit to come to Citibank and 3 days later I got a email stating my account was being closed. I reached out to customer service and they were saying they didnt receive my funds. I called back the next day and thry had me call a consumer report company to get my funds back. 

I called again and was advised to visit a branch. I visited a branch and still was denied my funds. Then told to call the consumer agency again. But told my account will be closed in 3 days from now. And Ill get a check on 30-60 days. Yet still without my funds and unavailable to pay my rent and my attorney fees. This is crazy. I feel played and not helped.
Product: Credit reporting or other personal consumer reports

I recently saw a copy of my credit report and realized that there were fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) Under 15 USC 1681s2it is the responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information, it is a FEDERAL violation. 2 ) XXXX XXXX XXXX  - is unable to validate this account. I have attached the proof from the dispute. XXXX ) XXXX XXXX XXXX - under FDCPA they are required by law to send out notice of this collection. I did not receive a 'warning ' this account will be reported to my credit, which indicates they have returned mail on file-they did not fulfil the requirements per law. 4 ) This inaccurate information has cause me harm to my credit and stress. 5 ) I have filed numerous notices to the CFPB regarding Experian which is refusing to answer my request. They keep saying they need 60 days. It has been beyond 60 days which puts them in violation of ignoring my requests.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights privacy and confidentiality under 15 usc 1681. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I looked at my Experian report on XXXX XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer report it follows reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates according to 15USC 1681 ( e ) ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from CFPB on XX/XX/2022, that you closed my complaint to protect my PRIVACY. I called the 3 Credit Bureaus after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there Accounts : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ; XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the XXXX  of XXXX by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Product: Credit reporting or other personal consumer reports

In the year 2022, my personal information was leaked. Money was stolen from my bank account, someone tried to collect unemployment on my behalf and some tried to set up or receive ( credit/loan, etc ) from XXXX XXXX  XXXX XXXX I did not authorize the 3 inquires from XXXX XXXX XXXXXXXX.
Product: Debt collection

XXXX has been attempting to collect on a non-existent debt. I have at all times had all outstanding balances paid on all accounts. I have proof of payment for the amount they allege is owed ( attached hereto ). A different collection agency previously tried to collect on this account approximately 1 year afo. I contested the claim, and that stopped contacting me. Now a different collection agency is contacting me to attempt to collect on the same non-existent debt. XXXX has agreed verbally on the phone that I owe no debts, and promised a letter of confirmation which they never sent.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX  XXXX of Inquiry XX/XX/2023, XXXX XXXX  Date of XXXX XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XXXX the credit bureaus requesting All incorrect personal information listed on my report be removed for multiple discrepancies and a violation of the FCRA. I asked Experian to remove the XXXX XXXX XXXX XXXXAccount as it is not mine they did not remove it they sent me a report that stated that the account was updated and did not make me aware how they validated this information. this is a violation. The bureau responded that the information was valid and updated on my report which is inaccurate and a violation of my rights. they sent this via my email on XX/XX/year>.
Product: Debt collection

In late XXXX XX/XX/20 I spoke to someone by the name of XXXX from One Stop Money Center and made arrangements to make payments on a loan from One Stop Money Center I was to receive an email with the payment arrangements during this time this was the time when everything was going on in the pandemic recently just broken out and the communication kind of broken down between us and me getting this payment arrangement set up and I didn't get an email from her then in XXXX of this year I received a notification that I was being garnished for these bonds originally I think the amount was like {$700.00} but then when I saw the garnishment it was like XXXX or something like that I reached out and advised that I couldn't afford the 25 % I sent emails I called I listing all of my expenses and showed why I could not afford the 25 % I was told that they needed to at least one girl one to show that they have at least gotten one out before they could get it signed from a judge to get it reduced this was XX/XX/XXXX is now XX/XX/XXXX and it still hasn't been reduced each time I call it's time I speak to someone they either tell me they can't find the paperwork for it hasn't been signed or it takes time or it's always an excuse or I can't get in touch with them or it's just always something I think that they are just trying to buy time so they can take the whole amount and not get it done by this time I think I only owe like another {$300.00} but to me it's the principle of the fact that I advised that I couldn't afford it I'm at the point now where I owe my sister money for my rent I owe somebody else money for my car note I'm just because I have to borrow money to help pay my bills because I'm having 25 % of my check taken out weekly and I can't afford this
Product: Mortgage

In XXXX, XXXX XXXX XXXX XXXX purchased the property located at XXXX XXXX XXXX, XXXX XXXX, OH XXXX. In XXXX, XXXX refinanced the property for {$92000.00} with XXXX, a Delaware corporation. The payments were {$950.00} per month beginning XXXX XXXX through XXXX XXXX for 24 months {$24000.00} plusXXXX XXXX, XXXX thru XXXX XXXX, XXXX for 60 months XXXX equals {$79.00}, XXXX. 
$ XXXX $ XXXX {$12.00}, XXXX. 
Since XXXX XXXX, XXXX and son XXXX have attempted to get the loan modified with XXXX. On XXXX XXXX, XXXX, XXXX filed foreclosure on the property in the XXXX XXXX under Case number XXXX XXXX XXXX. Count XXXX of the complaint alleges that {$82000.00} is owed on the property, when, in fact, only {$12.00}, XXXXXXXXis owed. I believe that XXXX is committing fraud.
Product: Checking or savings account

I can not set up an account with XXXX which is a pay day loan app due to PNC not allowing XXXX to verify my account information to receive payment.
Product: Student loan

My student loans are financed through XXXX. Or, it was XXXX when I was in school. XXXX is now Aidvantage. I am unable to contact XXXX, and was advised by them that further inquiries should go to Aidvantage. 

I am on an income driven repayment plan. My payments were {$68.00} per month ( this may be rounded up from $ XXXX ) before the pandemic. During the summer of XXXX, I received emails and banners inside my XXXX  account informing me I need to re-certify my income. I have an email from them from XX/XX/XXXX indicating I had submitted my information. I did so because I am an efficient and diligent person who likes to keep an empty to-do list. 

I also have an email from XX/XX/XXXX which shows I paid XXXX {$38.00}. If I remember correctly, this was an elective payment. I was trying to get some of my accounts down to an even {$100.00} increment during the forbearance period. It can probably be disregarded, but I am being as thorough as possible here. 

On XX/XX/XXXX I received an email saying that my IDR was renewed until XX/XX/XXXX, and the amount would be {$67.00} monthly ( which is the actual amount for $ XXXX I mentioned earlier ). On XX/XX/XXXX I received an email saying that my IDR was renewed for the period of XX/XX/XXXX until XX/XX/XXXX, at a monthly amount of {$230.00}. 

It is my understanding that the pre-pandemic-pause IDR plan amounts were to remain valid for some time post-pandemic-pause. 

On XX/XX/XXXX I contacted Aidvantage, who told me that they were going to get the paperwork together to fix this for me. I was on the phone awhile and she eventually came back and just told me no, they can't and they won't do anything for me.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 XXXX XXXX, 2023, XXXX added cash to her XXXX  account using the add cash feature on XXXX amounting {$1000.00}, which was deducted from XXXX XXXXXXXX XXXX State Employee Credit Union debit card ending in XXXX. XXXX cashed out ( deposited ) at XXXX, on the same date, XX/XX/2023, a total of {$1100.00} to XXXX XXXX State Employees ' Credit Union account which is linked to the same debit card - # XXXX. 

Also on the same date XX/XX/2023, XXXX transferred funds in the amount of {$1000.00} from her State Employees ' Credit Union debit card to XXXX XXXX 's XXXX account - XXXX XXXXXXXX. This amount was then cashed out by XXXX and instantly deposited to her XXXX XXXXXXXX account ( attached ; please note, in the XXXX XXXX XXXXXXXX photo attached, it only shows a deposit of {$1000.00}. To instantly deposit a transfer from XXXX, XXXX had to pay a processing fee of {$17.00}. ) However, the {$1100.00} mentioned previously was never deposited back into XXXX 's account. Instead State Employees ' Credit Union duplicated the withdrawal of XXXX 's original transfer of {$1000.00} through XXXX, and withdrew a total amount of {$2000.00}. 

XXXX opened a dispute with State Employees ' Credit Union and XXXX. XXXX, states that the transaction was only initiated and transferred once. However, State Employees ' Credit Union states they are unable to resolve any occurrences that involve wire transfers with XXXX and the dispute would need to be settled with the person or individual the funds were transferred to. If a proper investigation was conducted, one would see that XXXX 's transfer of {$1100.00} was to her own State Employees ' Credit Union account- which was never deposited. The occurrences we are trying to resolve relates to them, State Employees ' Credit Union, duplicating the withdrawal of {$1000.00} and having no account of the deposit of {$1100.00} ( evidence attached ). This dispute was opened with XXXX on XX/XX/2023 and the letter of denial is dated XX/XX/2023. Yet, I received the letter in the mail on XX/XX/2023 ; which tells me SECU did not properly investigate. 

There are two matters at hand that need to be reconciled. I only authorized {$1000.00}, to be deducted from my account once to XXXX 's XXXX account. Unfortunately, State Employees ' Credit Union withdrew the amount twice and will not take accountability nor accept supporting documentation of the mistake they made. Furthermore, my bank account does not show the {$1100.00} was ever deposited. 

All documentation that support this claim is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit Bureaus over and over pertaining to a XXXX account from XXXX XXXX The bureau had once Removed this account from my file and has placed it back on my report without a XXXX to 7 days Reinsertion notice. They dropped the balance from XXXX to XXXX and sold to a different agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts I have no knowledge of these accounts due to the Equifax data breach/identity theft. All is being investigated by the FTC according to FCRA 605b. This information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX I sent ( via certified mail ) Experian, XXXX, and XXXX my FTC reports along with a copy of my driver 's license and the US Code 1681c-2 - Block information resulting from identity theft US Code .
Product: Money transfer, virtual currency, or money service

I used cash app a lot for online purchases, sending money within our family etc.. my card was stolen and account hacked and before I even realized it my account was closed. So I made a new one, used it for a bit and they closed it also. They never told me what rule I allegedly violated nor did they allow me to explain that my card was stolen. Unfortunately cash app is the most used app for people I know plus its usable online more than the other ones. Id love to have my account back or be able to have a new one.
Product: Credit reporting or other personal consumer reports

I have noticed for the last XXXX  months there is hard inquiries on my account that I do not recognize. I have called all XXXX  credit bureaus as well as all companies and they have not removed these items.
Product: Credit card

I had a Chase Sapphire rewards credit card that I closed last XXXX, and this month I received a refund on a travel purchase from a tour provider. I assumed Chase would automatically send me a check for the refund since I had already closed my account, and when I called Chase, they said that they would only send me a check if I called. If I had n't called, they simply would 've kept the money. That is downright dishonest. Credit card companies should be required to automatically send you a physical check for any credit at the time of account closure or for any credits received after the account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to me being a victim of XXXX XXXX .I have unauthorized accounts that appears on my credit report I request the above accounts to be delete and removed off my Experian XXXX XXXX  XXXX and XXXX credit report. Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Experian, XXXX, and XXXX credit report due to my identity been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and I notice these accounts below I do not recognize them they do not belong to me. 

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

I was reported deceased illegally trought all XXXX credit report agency unlawful activity was use on my credit report company using my name to XXXX credit or file for insurance funds stated I was reported deceased an my date of birth was illegally change incorrect information cause me to lose money debt card company Data Base so I never could contain a XXXX XXXX due to this incorrect information I requested everything should be removed deleted off my report I am not deceased I am alive now I'm a victim of identity theft stolen employment funds stated of Alabama denied my employment verification received payment due to my XXXX XXXX I was born in 1984 false information to all credit bureaus force me to have no credit an lose money an benefits
Product: Debt collection

XXXX XXXX from XXXX XXXX for Bank of America-Letter dates XX/XX/XXXX and Complaint number No. XXXX, that he claims to state in his letter that the XXXX XXXX XXXX XXXX XXXX Promissory Note and Mortgage was transferred to Bank of America in XXXX of XXXX. XXXX XXXX was shut down from the FBI, and filed Bankruptcy at that time. I DEMAND TO SEE THE TRANSFER OF SERVICING RIGHTS FROM XXXX XXXX XXXX XXXX XXXX TO BANK OF AMERICA, AND THE APPROVAL FROM XXXX XXXX THE PLAN TRUSTEE THAT HE GAVE PERMISSION TO MERS AND BANK OF AMERICA WHEN THEY SUBMITTED THE ASSIGNMENT OF MORTGAGE UNDER 11 USC 362 and 363. I DEMAND TO SEE THE ORDER JUDGE XXXX PROVIDED IN THIS MORTGAGE ASSIGNMENT TO BE GRANTED PERMISSION ALSO-Under RESPA LAWS I was required to get a notice from the Bankruptcy Trustee and Judge XXXX over XXXX XXXX XXXX XXXX XXXX XXXX of The Transfer of Servicing Rights to Bank Of America.
Product: Student loan

In early XXXX, I mailed in a form to MOHELA to apply for the public service forgiveness program ( I work for the state and have, or have at least close to, 120 payments completed ). After waiting two months, I called and spoke to a very nice man who suggested that I fax the form in. I did so on XX/XX/XXXX, and have not heard a word from them since. You can track your form on their website, but they continually tell me that my form has not been received or processed, although it states that it takes ten business days for it to be put into their system. In the meantime, interest continues accruing on the account and I'm paying about $ XXXX.
Product: Debt collection

Amazon charged me {$31.00} on XX/XX/2021 for tee shirts I didn't receive. They have bombarded my bank account with relentless threats and me. I got confirmation via chat that they would refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report just because I don't usually and found that someone has used my information to open accounts for years! I tried calling the crditors I am being given a run a round, nobody is willing to help me even though my identity was compromised.. once at XXXX, and once at XXXX, I have received confirmation from both of these companies that my credit profile was compromised. In short my credit is all messed up.. I figured I was just using cash and had no credit and here I am with a whole bunch of accounts I never had anything to do with???!? 
These accounts are listed on my XXXX credit report APPLIED BANK ACCOUNT NUMBER XXXX XXXX {$430.00} limit {$300.00} 60 DAYS PAST DUE XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX  {$300.00} XXXX CHARGED OFF XXXX XXXXXXXX {$420.00} XXXX XXXX XXXX XX/XX/XXXX opened {$300.00} limit charged off as bad debt XXXX XXXX XXXX  6 late payments XXXX XX/XX/XXXX opened XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX, XXXX date opened XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$2600.00} XXXX XX/XX/XXXX date opened XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX date opened {$420.00} balance XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$330.00} Experian Balance {$680.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  {$2600.00} XXXX XX/XX/XXXX opened XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XX/XX/XXXX opened XXXX XXXX XXXX XXXX XX/XX/XXXX open {$620.00} XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Balance XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- Revolving XXXX XXXX, XXXX Open not more than three payments past due XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed Charge-off XX/XX/XXXX 2021
Product: Money transfer, virtual currency, or money service

The incident is about a WIRE TRANSFER. I was involved in a Love Scam. I do admit that i WIRED the money to capital one ( acct : XXXX rtn : XXXX ) the name on this account is under ; XXXX XXXX XXXX XXXX the amount of the transaction was {$40000.00} us dollars. 
The bank Captial one, called me on XX/XX/2018 to advise me that the wire i had submitted was Fraud! I have been calling ( XXXX ) XXXX rep XXXX is the one that called me and the next day it was XXXX from Capital one. I requested them to cancel and stop the wire from being transfer to that business account. 

The bank Capital one has advise me to call my bank to do a re-call and a hold harmless letter. I have been contanting my bank XXXX XXXX XXXX XXXX XXXX ( XXXX ). My credit union has not been able to do the recall, because they dont have the system to do the recall. 
I have contacted a lawyer and I have also submitted a Complaint referral form to the FBI called Internet Crime Complaint Center ( ICCC ). 
The FBI agent XXXX XXXX ( XXXX ). He has called my credit union and asked for XXXX XXXX ( XXXX ) XXXX she is in the fraud department. The FBI agent also called the wire dept for XXXX and asked for XXXX XXXX ( XXXX ) XXXX and he also emailed the wire dept XXXX, and got no where with them. They have not been able to follow the FBI instructions. 
They are not able to do anything for me! 

I need you, CFPB to help me regain my money. I need my money back. No one has been about to help me. I have mailed the FBI compliant letter to Captial one and i have emailed them the form too, to FDIC ( XXXX ) and to Captial one abuse email. They have it in an email and a physical paper of the FBI Complaint. 

Please tell me what to do. Thank you