23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attended XXXX University in XX/XX/XXXX-XX/XX/XXXX. To pay tuition and help with expenses, I took out a XXXX XXXX Signature Loan from XXXX XXXX. I ended up getting a job offer from XXXX in XX/XX/XXXX and never attended classes at XXXX University in the Spring semester. XXXX XXXX paid the school and XXXX accepted the money against my wishes. I went into repayment and paid my loans until I was laid off in XX/XX/XXXX. At that point I began to use economic forbearances until I was no longer allowed to do so, at which point I was unable to pay. I received harassing calls from Cell Phone numbers requesting payment which I was unwilling to give to a cell phone and unable to give due to economic circumstances. In XX/XX/XXXX my situation improved and I received a good paying job. I tried to get in touch with XXXX XXXX but was completely unable to do so. In XX/XX/XXXX I returned to school on a part time basis. I remembered that this should qualify me for an in-school forbearance, and so I signed into my XXXX XXXX account. Fortunately my loans were not defaulted! I could not request forbearance through their system any longer, but I could contact them. I sent them a message through their system informing them that I had returned to school and was seeking in-school forbearance. I also contacted their provided phone number and was sent to an answering machine. I left a message. I never heard back through either e-mail or phone. In XX/XX/XXXX, I was informed that my student loan debt was now XXXX XXXX. I assumed that XXXX  XXXX knew that I was back in school and had automatically deferred my payments because I never heard anything else from them. In XX/XX/XXXX I was informed that my loans had defaulted. I was offered a very nice settlement offer, but unfortunately I was unable to take it at the time. In XX/XX/XXXX I was sent another message letting me know that my debt belonged to a company called " Constar '' and they expect full repayment. They gave me the options to dispute the debt in writing, which I did. This debt should not be defaulted as I am and have been in school on a XXXX XXXX basis for the past 4 years. On XX/XX/XXXX I received a response of a single promissory note from XX/XX/XXXX with a note that " We are confident that all your questions should be answered by the enclosed documentation ''. I also received letters letting me know that these loans would be sent to law firm. The letter says that if I have until XX/XX/XXXX to respond, but when I tried to call the number provided I was once again sent to an answering machine. I left a message but have not heard back. Now I 'm writing to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 30 days past due on XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see pages 14 and 15 of the attached credit report. )  These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were made aware of an account in collections for {$920.00} when we applied for a mortgage loan. We researched the issue and found out it was a medical bill from the XXXX XXXX XXXX, part of an insurance claim that mistakenly was not paid by our car insurance carrier under claim XXXX. I paid the collection amount immediately. Our insurance company reimbursed me as it was their responsibly to pay this medical bill from a 2017 car accident. The insurance company issued a letter acknowledging an error on their end and asked that it be taken off our credit report. I have been trying for 2+ months to get this removed. The company has not removed it when I have disputed it and provided documentation of such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I have had several credit reports brand with my information by email that I did not sign up for or did I did not apply with my information. I have also received emails from XXXX and XXXX stating I have ordered products in my name which I have not bought nor do they reflect on my accounts nor did I authorize them. I have reported spoofing emails to XXXX and XXXX and I am trying to get these credit reports off of my personal credit. My identity was stolen last XXXX XXXX weekend in XXXX Oregon which I also followed a police report with them. I also have a business which my business information was also stolen with my ID social security card and bank card and credit cards which were reported in the police report. I continue to receive suspicious emails and credit reporting that my credit has been ran which I have not done or authorized.
Product: Mortgage

My mortgage was sold to a company called Lakeview Loan Servicing LLC. They take out payments for escrow to pay my homeowners insurance and property taxes. Two years in a row they did not pay my property taxes until I received a Notice of Past Due Personal Property Taxes from the XXXX County ( AZ ) Treasurer 's Office. Last year they had to pay a penalty. I am currently on hold with them about this year and have been so for over an hour. They also failed to pay my homeowners insurance until I received a notice of cancellation and called them. Every time I have been assured the problem will not happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Product: Credit reporting or other personal consumer reports

I am writing to disputed hard inquiries on my credit report that were made without my consent. I according to section 604 of FAIR CREDIT REPORTING TO SECTION 15 U.S.C 168 1B, there are specific permissible purposes for obtaining a credit. I did not authorize these hard inquiries and can not find any permissible purpose under this section that justifies their presence on my report, PLEAS DELELETE HARD INQUIRIES 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
Product: Checking or savings account

On or about XXXX XXXX, I attempted to make a {$10000.00} deposit to my XXXX XXXX XXXX from my checking account at USAA from within the XXXX app. I received an error message that stated it couldnt be processed and to try again. I checked my USAA account, saw no monies missing and re-attempted on XXXX XXXX and was able to deposit {$10000.00} into my XXXX XXXX XXXX. On XXXX XXXX, I received an email from XXXX XXXX stating that my deposit had been returned due to NSF. I realized that the transaction I thought had been unsuccessful was actually successful and it had attempted to withdraw the money twice which resulted in the NSF ( despite there being only XXXX withdrawal from my USAA account and XXXX deposit to my XXXX account ). 

I immediately called XXXX and was reassured that my money had already been sent back to USAA. I called USAA after speaking with XXXX and was told that because it was an external institution, the return of my funds could take XXXX business days. I called USAA again the following Monday ( XXXX XXXX ) for an unrelated reason and also spoke to banking. I was again told to give it another day or XXXX. I spoke to USAA again on XXXX and was told by a representative that it actually can take XXXX business days for my funds to be returned and that I had XXXX options : either wait until Friday, check my account and call again if needed or the representative could go ahead and create a work item to figure out where the funds are. I opted for option XXXX. I checked my account Friday, XXXX, and still no funds. 

I called USAA on XXXX to check on the status of my work item and was told that they had closed my ticket and I was not informed. The USAA representative said that I needed to get a XXXX trace number from XXXX per their request. I called XXXX and was given both their trace number and the USAA XXXX number. I then called USAA again and was able to create another work item for them to find my funds. 

I just received another notification ( XXXX ) from USAA saying they need another trace number ( already given ) and/or to reach back out to XXXX despite them having already released the funds back to USAA. 

It is now over XXXX weeks since the initial transaction and neither bank is being helpful towards me with getting my money back. This whole process has been entirely unnecessary and should be significantly more simple than it is. I made a test deposit from my XXXX account to my USAA account and the money was in my account same day. It is unacceptable that XXXX weeks later, I am still missing {$10000.00} because either company has not sent the money back or they have not routed it back to my account.
Product: Debt collection

i paid off the balance of this credit card however it was still sent to collections
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$880.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX ; XXXX XXXX XXXX Balance : {$24000.00} ; ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XXXX XXXX Opened XX/XX/year> {$3300.00} Please remove all fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I have forwarded this information over to experian XXXX and XXXX to remove this late payment from my credit profile I spoke with a representative on XX/XX/XXXX with all three bureaus and they have refused to do so self financial lender has agreed to remove the late payment from XX/XX/XXXXXXXX  from my credit report and the bureaus are not taking this removal seriously and is refusing to remove this from my payment history this had been a headache and has been negatively affecting my credit score as I am trying to buy a home I have attached the proof that XXXX self lender wants this removed from my credit report and these companies are giving me a hard time removing them!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a Conditional acceptance/ change in terms of agreement was mailed out via certified/return receipt to Bank of America Merrill Lynch N.A. , and to three separate corporate offices. It was also mailed to CFPB and XXXX XXXX XXXX via certified mail/return receipt. All averments to the conditional acceptance/ change in terms of agreement requested were ignored. Which made the new contract legal and binding. On XX/XX/XXXX, I sent a Notice of default with three days to allow for additional time in answering the contractual agreement. Again, ignored. By acquiescence all involved in this contract are bound by the new terms and conditions that were agreed upon. On XXXX an arbitration award was awarded to XXXX XXXX in the amount of XXXX. After several complaints to CFPB this matter has exhausted its administrative remedy. I have no choice now but to enforce the award. I have tried to handle this civilly, only to get robotic response letters. In the last response I received on XX/XX/XXXX from XXXX XXXX XXXX stating a change in terms of agreement sent in XXXX, stating Arbitration will not be allowed from Bank of America Merrill Lynch N.A. has the account number completely wrong with the account in dispute. This correspondence from them is an error. The contract sent to the three named above will stand as legal and binding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing a recent copy of my credit report from XXXX and XXXX, I noticed inquiries from Santander Consumer USA, that I did not give permission to make. From my knowledge, an inquiry on my report is not allowed unless I give written consent. I am not requesting, but demanding that you remove these unauthorized inquiries from my credit report. According to the Fair Credit Reporting Act, the only permissible reasons for pulling an individuals credit report are as follows : A. A Firm Offer of Credit B. Insurance purposes C. Employment D. Court Order The following inquiries were made in violation of the Fair Credit Reporting Act for the reasons mentioned in the previous paragraphs Santander Consumer USA XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, 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: Checking or savings account

Re : Citibank I am adding supplement material about a complain I made yesterday, XX/XX/2023 Complaint : # XXXX I am attaching two on-line banking images of check # XXXX for {$10000.00}. that was deposited & cashed under the WRONG check number : XXXX. The two images of the cashed check is from my online banking, taken this morning XX/XX/2023. These screen shots display the cashed check and incorrect check number. 

For a bank to be so inattentive to an error like this, an error that could cost us the property that we are trying to buy is inexcusable. To not rectify this blatant error in a time of identity theft is beyond belief. To walk into a Citibank and to be sent to a corner to call a string of 800 phone numbers is beyond insulting. This is how Citibanks treat middle-class customers. I'll bet you a nickel that this problem would have been taken seriously for the billionaire class customer.
Product: Checking or savings account

Four separate transactions actions were made using my debit card though XXXX for the corresponding dates and amounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I DID NOT make any of these transactions. Chase said they couldnt prove the claims were unauthorized which they were
Product: Credit reporting or other personal consumer reports

I requested a verification and validation of this account and the debt. I have sent three different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over 60 days now, and I have received no response at all from. I sent the first notice on XX/XX/XXXX, then again on XX/XX/XXXX, and again on XX/XX/XXXX. Each notice was sent via USPS Priority Mail and was verified as delivered via the USPS tracking system.

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed my annual credit report and ran across several errors on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Capital One has been reporting incorrect information on my credit reports. I have 2 accounts that were closed. I settled the first one ( XXXX ) back in XX/XX/2023 and they didnt update my credit reports as paid off and had an outstanding balance. I disputed these issues and the amount was changed to {$0.00}. The second one ( XXXX ) I also paid off. They updated the information this XXXX after I paid it off and its still wrong. I dont owe Capital One anything. Ive been making payments on XXXX since XXXX and paid the rest off in XXXX. There shouldnt be a past due amount of {$810.00} on my account. Both accounts are settled for less than amount. I disputed this second account. XXXX said the information is accurate on my credit report when their payment status, account status and amount are inaccurate.
Product: Checking or savings account

My complaint is regarding Optum Bank. They are the provider for my XXXX. I made a payment in the amount of {$640.00} to XXXX XXXX XXXX XXXX using Optums online bill pay service. The amount was debited on XX/XX/22, but never received by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is asking for a receipt so they can look for the payment ( e.g. check #, transaction ID, etc. ). I just spoke with XXXX at Optum Bank who refused to provide me with any information I would need to find the payment or put in a claim on his end to research the payment. Now I am out the money from my Optum account and still owe the money to XXXX XXXX XXXX XXXX with no recourse for getting my money back. How can I move forward to resolve this and find out where my money is?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXXXXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$3300.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00}
Product: Debt collection

I received a call at approximately XXXX MST from XXXX XXXX this is after a call was made earlier in the day at approximately XXXX MST. I advised the company at that time I would not be able to make any kind of arrangements but fully understand collection efforts would continue. My issue is receiving the second call in the same day and the representative XXXX saying she in fact noticed a call was already made without confirming who I was. I feel this is very harassing and hope to take this as far as I need to make sure it doesnt happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts in my file listed below : XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX BalanceXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$990.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$990.00}