23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had 3 private XX/XX/XXXXloans from XXXX that were originally through XXXX XXXX. I was sued inXX/XX/XXXX Myself and my father were threatened with tax liens on my parents home and back account freezing which forced me to begin to pay the XXXX XXXX XXXX XXXX department to avoid harsh penalties. My husband lost his job leaving me unable to continue to pay the loans off. The collections agency continued to try and get payments but refused anything I offered saying it wouldn't be enough on the principle balance. I do not feel these loans should have legally been able to be collected in the first place due to the statue of limitations being reached but I was scared because of what I was being told. I eventually was able to settle and get a payment plan but only after I had to get a lawyer to communicate with XXXX and XXXX. The payments that were settled on were still very high, and I was able to squeeze payments out for about 2 years but when Covid hit my husband lost his job again. I do believe the initial loans were predatory to begin with as the XXXX XXXX accounts office only handed private XX/XX/XXXXloan information out for one bank. I was the first person in my family to go to college so our education on the financing piece was not great at that time. We were not given any support on understanding at that time. We were told that it was our only option if I wanted to go to school there. I am hoping that something can be done, since I do not feel the bank or collection agencies had a right to collect the payments to begin with.
Product: Vehicle loan or lease

I purchased a XXXX  XXXX XXXX and financed through Hyundai Motor Finance to get the {$750.00} credit towards the purchase. I was told i had to make three payments to keep the benefit. I called to confirm before i did a re-finance and they said, two payments and the re-fi payment were sufficient I paid off the loan through a re-finance on XXXX XXXX of XXXX The payment received paid of the balance and more, {$200.00} more. I have been waiting to get my refund check since XXXX of XXXX. I did a initial call on XXXX XXXX to check the status I was told it would be 45 days. I called back on the following dates : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( 3 times that day ), XXXX XXXX ( twice that day ), XXXX XXXX Each time i called I was told I should have gotten my check already. Sometimes i was told my check " failed '' in processing and needed to be manually done. I was told this was done on multiple occasions and that i would get the check in 7-10 days. So after a week I would call back and be told the same thing. When i asked to speak to a manager i was told i had to physically write a letter to them regarding this issue if i needed to escalate my refund. I am told that the customer service department has no way to talk to their " payment processing '' people all correspondence is done via email. They also do not follow up with the customer, instead they tell me I have to call back to get an update ; when I do call back there is no update and they " send another high priority email. '' It seems unfair and unlawful to continue hold onto the credit from my loan balance. I paid the loan off in full and it has been XXXX months and multiple calls with them and I essentially continue to get the run around. 

Please help.
Product: Mortgage

The servicer of my mortgage, Selene Finance, has once again, not been paying my homeowners insurance. I had to file a complaint with them last XX/XX/XXXX to get this resolved, with CFPB. 

This morning, on XX/XX/XXXX, I received an email from my insurance company, XXXX, that my policy will be canceled on XX/XX/XXXX for non payment. Today, I also called Selene 's customer support number XXXX, twice, and both times I was hung up on by the representative, after waiting on hold for 45 minutes each time. They are refusing to do anything about this, which is a violation of the the Real Estate Settlement Procedures Act. I pay every month for an escrow account, they are required to pay my insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

On XX/XX/2020 I checked my XXXX  credit report and a debt for {$4300.00} from a company called Transworld Systems. It was reported on XXXX XXXX,2020. The company states the debt is 2.5 years old and it has no account type to identify what type of debt it is. The company put a fraudulent debt on my credit report. I have no knowledge of this company. Then at the bottom the company put remarks stating it was result of a natural disaster. I have no idea how they obtained my information. Two years ago I wasnt in a natural disaster. The collection agency or the original creditor I have never done business with. I live in California and the original creditor is not even located in the stare I have lived for the last 4 years.
Product: Debt collection

They keep calling & texting my cell phone ( xxx ) XXXX looking for a " XXXX XXXX XXXX to collect some kind of debt. I am not that person, nor do I know that person. I have emailed them ( XX/XX/22 ), texted them and called them multiple times and told them they have the wrong number for XXXX XXXX. Their typical response is no reply or to hang-up on me. Once they said they would remove me ( my cell phone number? ) from their list, however the call and texts continue. Just to exacerbated the situation, they are also typically very discourteous. 

Calls received - multiple calls ( XXXX ) from ( XXXX ) XXXX the last one on XX/XX/22, ( XXXX ) XXXX on XX/XX/22, ( ( XXXX ) XXXX on XX/XX/22, ( XXXX ) XXXX on XX/XX/22, ( XXXX ) XXXX on XX/XX/22, ( XXXX ) XXXX on XX/XX/22, ( XXXX ) XXXX on XX/XX/22. 

Texts received - ( XXXX ) XXXX on XX/XX/22, ( XXXX ) XXXX on XX/XX/22, others but I have deleted them. 

No response to my email of XX/XX/22. 

A quick search on the internet regarding this company shows a plethora of similar complaints. This company must be restrained in some manner!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Received credit report from Experian XXXX for XX/XX/XXXX. Inquiry was made by XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. No phone number given. Letter was sent to the company XX/XX/XXXX requesting why they obtained my credit report. The company has not responded. I do not recognize this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XXXX XXXX and I went into our local Wells Fargo Bank to try to get an accounting of where our money is going each time we successfully make a payment. We have missed 2 payments and are one payment behind at this time. The woman helping us made some phone calls to their Mortgage Center. By the time she was finished with the call, she was as confused as we are. According to Wells Fargo Mortgage, we are behind by {$1400.00}. 

XX/XX/2018 Paid XXXX ; XX/XX/2018 Paid {$1400.00} but was returned NSF ; XX/XX/2018 Paid {$1500.00} ; XX/XX/2018 Paid {$1700.00} ; XX/XX/2018 To Pay {$1600.00}. This should bring us closer to being current. We are going to continue making overpayments, but are very concerned about how our funds are being used!
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 section 602a of the Fair Credit Reporting Act " 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, XXXX XXXX XXXX are consumer reporting agencies and I, XXXX XXXX XXXX, am the Consumer with the right to make sure my private information isn't being shared. 15 USC 6801 backs that fact by stating that " it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Furnisher of information to credit agencies is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( 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. '' Furnisher of information to credit agencies the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 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 an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 the information is inaccurate. 15 U.S. Code 1681e states " Every consumer 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. Equifax, XXXX XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

Thank you, XXXX
Product: Money transfer, virtual currency, or money service

On or around XX/XX/2021 someone impersonated me and hacked my phone, email and transferred money online to my Bitcoin investments and then withdrawn it all!!!! They somehow done a SIM card swap and then used my Coinbase wallet to transfer all my money out of my business account to bitcoins then withdrawn all my bitcoins or transferred them somewhere else with no trace??? 
I contacted XXXX XXXX XXXX XXXX and Coinbase.com and nobody knows anything or how to recover my stolen money
Product: Credit reporting or other personal consumer reports

Despite my prior notifications shedding light on these violations, Experian has persistently failed to rectify the situation in accordance with my requests. This inaction has not only eroded my trust in the credit reporting process but also poses a grave threat to the fairness and accuracy of consumer credit reporting. 
Attached to this complaint is a certified notice providing further details on the unauthorized and improper utilization of my consumer report, sent via USPS # XXXX XXXX XXXX XXXX XXXX XXXX. 
Upon meticulous scrutiny of my consumer report, I have identified discrepancies concerning the following account : Account : XXXX XXXX XXXXXXXX Account Number : XXXX P Payment Date : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps on saying the inquiries are valid and are not called and dispute15 times XXXX has removed all inquiries from my report and XXXX is doing the same they will not remove the inquires from my report
Product: Checking or savings account

CONVERTED MY CHECKING ACCOUNT BALANCE 65K INTO CD AT APROX 4.5 % INTEREST ON XX/XX/2023 AND CHANGED MY MAILING ADDRESS TO MY HOME ADDRESS WITH MANAGER OF CHASE BANK XXXX XXXX NJ XXXX ( ( XXXX XXXX ) WHICH WAS NOT DONE. 
THIS XXXX FORGOT NOT ONLY TO IGNORED TO CHANGE MY MAILING ADDRESS BUT ALSO FORGOT TO HAVE AN IMPORTANT FORM SIGNED, AS A RESULT MY ACCOUNT WAS CLOSED AND XXXX CHECK MAILED TO WRONG MAILING ADDRSS IN NY INSTEAD OF MY HOME ADDRESS. 
I HAVE BEEN TRYING TO HAVE A REPLACEMENT CHECK SENT TO ME SINCE XX/XX/XXXX AND HAVE NOT RECEIVED IT YET. 
AND I HAVE LOST THE INTEREST AS WELL. I HAVE MADE SEVERAL CALLS TO CHASE BRANCH WHO HAS REFUSED TO HELP AND ADVISED ME TO CALL CHASE HQ, WHO PROMISED TO ADDRESS THE ISSUE AND RE-ISSUE MY CHECK TO NO AVAIL YET. IT HAS BEEN AN ABSOLUTE NIGHTMARE TO DEAL WITH CHASE BANK.PLEASE HELP ME...
Product: Credit reporting, credit repair services, or other personal consumer reports

Section 605b of the Fair Credit Reporting Act requires bureaus to block from display, all items received that are fraud : 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have disputed a number of items of fraud after my identity was stolen ... ALL these items remain on my file. They are as follows : 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 of MO ( XXXX ) XXXX XXXX XXXX  XXXX ) XXXX XXXX ( XXXX ) XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  OF WE XX/XX/XXXX XXXX  OF WE XX/XX/XXXX XXXX OF XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Trying to garnish wages through my employer without verifying what it is or if it was by me. No contact with me before sending to my employer and also this states it was from 2010 which would be past the statute of limitations in Florida if it were accurate.
Product: Money transfer, virtual currency, or money service

I want to link my account to invest in some stocks
Product: Credit reporting, credit repair services, or other personal consumer reports

I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by Consumer Finance and Wells Fargo. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. 

Example of discrepancies. 
On one set of customer account activity statements received XX/XX/XXXX, there are 11 transactions for the month of XX/XX/XXXX beginning XX/XX/XXXX-XX/XX/XXXX. 

On the other set of customer account activity statements received XX/XX/XXXX, there are 10 transactions for the month of XX/XX/XXXX beginning XX/XX/XXXX-XX/XX/XXXX. 

There are also fees that are not consistent on each set of statements as well. 

I would like to take legal action on this matter. I am CERTAIN that this issue goes back for years as I have been disputing Wells Fargo since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted CFPB a number of times.Regarding inaccurate information being reported to all XXXX Credit Bureaus ( XXXX, XXXX, XXXX ) .The CFPB is supposed to protect me the consumer.When receiving a complaint from a consumer.The furnisher has to show verification, and validation. To back up there accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate.In any dispute, the furnisher of the information can either verify the accuracy of what they have reported, or correct the inaccuracy should they agree that it is currently inaccurate. To the extent that the CRA considers a response to a dispute to be a date of last activity, that is not a substantive issue, and not a violation of the FCRA.
Product: Credit card or prepaid card

Earlier this year, I opened a 10 % Cashback credit card with Citizens Bank. I tried to set up autopay immediately, but because the current statement balance was XXXX, the system wouldn't allow me to do that. As a result, I forgot to set up autopay later on and was late by one day for the payment due. The payment due was on XX/XX/XXXX, which is a public holiday. I paid the full outstanding statement balance on XX/XX/XXXX by phone. Nevertheless, Citizens Bank charged me almost {$200.00} in interest for a payment missed by just a few hours! They agreed to cut the interest charge in half, but still charged me almost {$97.00} in interest for no apparent reason whatsoever. Now, they keep charging me interest, even though I set up Autopay and have been paying statement balances in time automatically ever since! I found another {$110.00} in interest charges on my statement earlier this month. Please help resolve this.
Product: Credit reporting or other personal consumer reports

On multiple occasions I have submitted a written request to Experian, asking them to remove all inaccurate and outdated personal information on my credit report. 
In efforts to protect my privacy ; to prevent identity theft ; and avoid future financial harm. 

I have provided Experian with all the necessary information, to prove my identity and to date I see that my credit report is still reflecting not only my current address but ALL of the previous addresses and inaccurate name spellings and phone numbers.
Product: Money transfer, virtual currency, or money service

On XXXX of XXXX  I requested funds in my account to be transferred at the time it was {$250.00} now its {$170.00} and Ive requested to close my account 5 times very scared amount will drop again Ive tried on several occasions contacting blockchain but got no answer I wish to have my account closed and money mailed in a check this Blockchain wallet is a joke.
Product: Student loan

I applied to consolidate my loans with Moehla in early XXXX. I have called several times since then and keep being told it should be processed by the XX/XX/XXXX deadline to apply for XXXX. I have called several times this month ( now XXXX ) and cant even reach anyone. Ive been kept on hold for hours at a time with no one ever answering. My loan still has not been processed and with no way to get in touch with anyone I fear I will miss the deadline
Product: Credit reporting or other personal consumer reports

Approximately 6 months ago my credit score was XXXX. As of today, it's XXXX and has been going down the past several months. There are no reasons from TransUnion, nor have I had any changes in my payments or added credit. This has happened to me once before and your Bureau did an amazing job of getting my credit score back up where it belongs.

I realize that it's a minor difference of XXXX points but there's no reason for the reduction. 

Thanks in advance, XXXX XXXX XXXX