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

called citi bank Saturday XX/XX/year> several times the fraud dept was closed. Called again several time on Sunday XX/XX/year> and again XX/XX/year> again XX/XX/year> and still no explanation or resolution and i am now late paying my rent. I am a XXXX XXXX with XXXX kids and can not access any of my money. I get paid again from my job tomorrow XX/XX/year> via direct deposit and still can't access my money.
Product: Credit reporting

I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. Also attempted to contact XXXX, XXXX etc. per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX The Bureaus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re : Alleged Original Creditor : XXXX  XXXX Alleged Original Creditor : Account number : XXXX XXXXXXXX XXXX Debt collectors Name : XXXX The Bureaus Inc. 
Debt collectors account number XXXX Alleged Debt Amount or Balance : {$500.00}. 
Debt collectors account number:XXXX Dear the Bureaus , Inc . 

I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

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

more accounts that could not fit all onto the ftc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1100.00} High Balance {$1100.00} Remarks Placed for collection XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$200.00} High Balance {$200.00} XX/XX/XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2400.00} High Balance {$2400.00} Hippa violations XX/XX/XXXX Collection Agency XXXX Original Creditor 11 XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$270.00} High Balance {$270.00} Remarks Placed for collection
Product: Credit reporting or other personal consumer reports

1 ) XXXXXXXX XXXX {$2000.00} Loan Opened : XX/XX/XXXX ; Term : 36 Months ; Closed : XX/XX/XXXX XXXX ) XXXX {$1900.00} Loan Opened : XXXX XXXX, XXXX ; Term : 36 Months ; Closed : XX/XX/XXXX XXXX ) XXXX {$910.00} Loan Opened : XX/XX/XXXX ; Closed : XX/XX/XXXX XXXX ) XXXX XXXXXXXX {$1300.00} Opened : XXXX XXXX, XXXX ; Closed : XX/XX/XXXX XXXX ) XXXX XXXX {$3400.00} Opened : XX/XX/XXXX ; Closed : XX/XX/XXXX My identity was stolen through the deep/dark web ; my personal emails, my phone number, my private bank information, including passwords and usernames were used for the benefit of the theft individual.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute any and all transaction on my account that XXXX has reported with Equifax, XXXX and XXXX, whom are all non affiliates with XXXX XXXX, in the terms and conditions provided by XXXX XXXXXXXX they stated they would not disclose my nonpublic personal information to non affiliate 's. There is multiple violations of my rights as a consumer. It is against the law to report transaction history, I never gave written authorization to report to the three credit reporting agencies, or to any other non affiliate. The account is in charge off status, a charge off is also known as a certificate of indebtedness and according to the I.R.S. Code a certificate of indebtedness is income and income must be removed from the report. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) in accordance with the written instructions of the consumer to who it relates.

15 U.S. Code 6801 6805 Obligations with respect to disclosures of personal information- Authority comes from 16 CFR 313.1 - Purpose and scope.

( a ) Privacy obligation policy 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.

nonpublic personal information Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer.

Per the Privacy Act of 1974, and the Fair credit reporting act, as a federally protected consumer, I have the right of opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, Per 15 u.s.c. 6802
Product: Credit reporting

I have an account on my credit report that does not belong to me. I disputed this with Transunion and they reported back 3 days later that it does belong to me. It usually takes up to 30 days which seems to me like they did n't even attempt to look into this. When I contacted the company XXXX XXXX via phone and chat they could not verify the account because they did not have my correct date of birth. I know that this is not my account and I want a complete investigation done and this to be removed asap.
Product: Debt collection

Prohibit of providing documentation of debt not owe. This issue is causing me and my family to be displace from my home. I 'm in the middle of trying to purchase a home. because of this showing on my credit ive been unable to move forward. 

I have called the company on XXXX different times, so had the federal organization. we each have identified ourselfs to get help nothing has happen.
Product: Debt collection

On XX/XX/2020 I was in contact with attorney XXXX XXXX for 2 debts owed to XXXX   XXXX. I made an offer to settle the 2 accounts for less and they contacted XXXX XXXX and the offers where accepted and agreed to remove the accounts.

1st account had a balance of {$3100.00} and made offer to settle and remove for {$1500.00}. It was accepted and paid, was taken out of my  bank account on XX/XX/2020. 
2nd account was for {$800.00} and made offer to settle and remove for {$370.00}. It was accepted and paid out of bank account on XX/XX/2020. 
XXXX XXXX has provided me with letters saying both accounts have been settled and have a XXXX  balance on each. XXXX  XXXX has gone and instead of XXXX  out the balances and removing them they subtracted the money that I paid from the original balance and still say I owe them the rest they have repeatedly every month for XXXX and XXXX have the accounts still listed as being owed And showed no payments Have been made. 
I have also submitted the two letters from the attorneys office of XXXX XXXX showing I settled the 2 accounts held by XXXX   XXXX  and instead of fixing the problem XXXX XXXX wanted my banking account number and routing number to pay the remainder of the balance of that they claim I still owe them. 
XXXX XXXX also refuses to notify the original credit card companies that I settled the account which are still updated monthly showing charged off and no payment for each month. Which is still bringing down my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was allegedly charged for past due rent from the months of XXXXXXXX XXXX XXXX XXXX XXXX and i have vacated the premises well before these charges occurred due to the complex breaking the lease! I was also unaware that i was being charged for utilities as i was told they were not even provided by the apartment community what so ever and i have the bills and accounts for my outside utilities if requested. The rent would have totaled {$2500.00}, The rent was XXXX a month. the balance that shows on my credit is {$2700.00} the account was allegedly originally credited by XXXX XXXX XXXX but they were owned at the time by XXXX XXXX.
Product: Credit card or prepaid card

Got a scammer text from Chase bank saying that there was fraudulent activity from someone attempting to youse my card. They took me to a fake sign in page where I verified my identity unfortunately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They have informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections XXXX XXXX {$290.00} Public ( chapter XXXX & XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous CFPB Complaint # XXXX After 5 years my request was again - REAL SIMPLE SEND THE PROOF OF PERMISSIBLE PERMISSION TO ACCESS AND SUBMIT MY CREDIT REPORT TO AND FOR XXXX XXXX XXXX XXXX IN XX/XX/2017. IF YOU CAN NOT UNDERSTAND THIS REQUEST, ASK A FIRST GRADER TO READ AND HELP YOU. 
Experians Reply - In your complaint, you indicate that an inaccurate account continues to report to your credit report. You are requesting the removal of the inaccurate item. 
Do I need to further explain my complaint?
Product: Student loan

Fed Loan Servicing needs to explain their rationale clearer and with real data and an example as to why XXXX of my past payments on my consolidated student loan that were made monthly are not qualifying payments for PSLF, TEPSLF or Limited PSLF. 

This response is insufficient : " '' As a result, we were advised that the loan did not fulfill the current guidelines of reflecting an eligible repayment schedule for the PSLF program or meeting the timely payment requirements for the TEPSLF program. Therefore, under the current guidelines for these programs, FedLoan Servicing was unable to count these months as qualifying. '' I would like this better explained since I see this as incorrect. I had a Direct Consolidated Loan, made payments, and had a qualifying employer. Under Limited PSLF, full payment is not required, however, payments i made were substantial payments based on my loan cost at the time. My payments of XXXX or more from the ( XXXX ) that are currently ineligible should all count towards the XXXX XXXX.
Product: Checking or savings account

I made a mobile deposit of of my XXXX 401 ( k ) Required Minimum Distribution check ( {$22.00}, XXXX ) to my Bank of America checking account on XX/XX/2020. I received notification on my BOA app that the funds would be available on XX/XX/2020. I next received another notice that there was a " Deposit Hold and the amount ( {$22000.00} ) would be delayed and available on XX/XX/2020 at XXXX. '' I telephonically contacted BOA on XX/XX/XXXX and complained about the deposit hold. I was asked by the customer representative, " Why do you need the money? '' I responded that it was my money. She told me the hold on the funds was for my protection and that of the bank in the event the check didn't clear, etc. I informed her that the check was from XXXX and not some third party check and additionally all these transactions are conducted electronically and not by mail. After being on hold for about 15 - 20 minutes she advised she had good news and had been able to release the hold and I would receive the funds on XX/XX/XXXX. 
I'm making this complaint not to resolve my situation but to make you aware of a banking practice which I believe is certainly unethical and possibly illegal. The bank has an obvious financial interest in not releasing these funds for as long as possible. Since I'm a XXXX XXXX XXXX and my wife is a XXXX XXXX XXXX XXXX, we had the expertise and experience to understand that this practice is not only unacceptable but possibly fraudulent. There's no telling how many unwitting customers are being deprived of their own funds because they may not have the aptitude or cognizance to complain to the bank.
Product: Credit card or prepaid card

Hello i received a notice that my account was gon na be a XXXX spending limit and i wasn't happy about it and i was a victim of identity theft and american express dont give a XXXX about and this is my second compliant i flied because i didnt get a phone call from the higher office and i cancel the card due to them not looking into restore my pre set spending limit and i called again they told me they couldn't restore my account due to my score is low and its at XXXX which is incorrect and my information was stolen and i send the documents over to the credit dept and my bank statements and my tax returns and i recived a phone call from the credit dept and saying they got the paperwork and they told me they will get back to me in few days to restore my account and i still havent heard from them and i did provide them my identity theft report and they also received that to all of this on XX/XX/2018 they called me on XXXX and told me that my account will be restored in few week i dont know if this a lie or what and each time i reapply they dont put a inquiry on it just pull a old experian report and my score went up by 46 points as of XX/XX/2018 i want american express to look into it
Product: Mortgage

XXXX XXXX XXXX XXXXXXXX ) Customer Service XXXX Florida Mortgage Lender Servicer License XXXX I would like to file a complaint concerning Lakeview Mortgage serviced XXXX XXXX XXXX 's inability to follow the rules and regulations according to the state of Florida concerning tax exemption for 100 % disabled veterans I have repeatedly submitted my documentation. Ive also asked them to confirm they received the documentation which theyve done. Ive also asked him to confirm that its in the system and they have done however they continue to withdraw State taxes for my house in Florida after receiving the letter from the county tax assessor 's office stating I am 100 % disabled and no longer pay property tax in the state of Florida. They will not send a refund for the taxes that theyve taken out and they will not stop taking taxes, I believe this is a violation and I would like this to be looked into and then forced to follow the rules of the state. I feel they are discriminating against me as a disabled veteran and because of my staus are purposely avoiding following state and county rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has me living in new york. that is not true
Product: Vehicle loan or lease

This complaint is a continuation of the complaint I submitted beginning with XXXX XXXX XXXXXXXX. I had fraud on my checking account and what appeared to have happened is that these fraudsters call and make fraudulent dispute claims on legitimate charges of which the bank credits your account back and they attempt to scam the funds. XXXX XXXX XXXXXXXX did freeze my account but processed the claims until I was informed of this and said I never made these disputes. I still can't believe these disputes were done with no confirmation from me. Never the less, last Monday morning XX/XX/XXXX the son went out to use my car and lo and behold my car is gone. I will never forget his words, Ma where's your car? I was going to call the police thinking my car was stolen but something told me to me to call my auto finance bank. They informed me that I had a payment returned which was for XXXX payments and I had a payment that was 20 days past due now making it 93 days past due of which they repossessed it in the middle of the night Sunday. No word, no forewarning. I knew I was not past dues 93 days. I spoke to XXXX XXXX XXXXXXXX and it turned out XXXX of the fraudulent dispute payments was the payment to the auto bank. I attempted to explain this to the bank and at first I was informed I needed to pay the entire balance off to get the car. And today I was informed that the auto finance bank never returned my payment back to XXXX XXXX XXXXXXXX. They still have my payments. And these payments were made in XXXX and cleared the bank. I've been calling the auto finance bank and have been shuffled from the department that deals with the car being repossessed who referred me to the collections department who I was told today will not speak to me because the car is not in my possession. Please help, This has been an ongoing nightmare. Thankfully I was on vacation last week and really didn't need the car but this week I am back to work and spending over {$40.00} a day in XXXX rides. I need help. They repossessed my car and should not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( Equifax, XXXX, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.
Product: Student loan

During XXXX my student loans recently were in forebarence. However, I had other student loans from 2013 when I went to XXXX University. Its through Navient. They never stopped charging me and I went ahead and made the payments but after research, I believe the student loans should not still have a balance. I was very young and went to XXXX but then when I started a family I stopped for many years and then when I was in my late XXXX and early XXXX attended a university or college. Those student loans I am very aware of and carry a balance of around {$38000.00} which was in forbearance. I would like some help to understand if the company Navient still has over a {$10000.00} balance, when my attendance to XXXX was in 2013 when I was much younger. I want to know my rights and understand if I actually signed up for consolidation so they could move the balances to a new loan to start all over to pay or if actually, the balance is legitimate that they have. I just want to know if student loans over 10 years are still payable because with that added to my XXXX my payment is almost {$500.00} a month and I just want make sure its an actual payment thats required Im not trying to get out of paying student loans. I just want make sure that Im not getting taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Birth year is XXXX not XXXX as reported