23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

THIS IS BBT BANK 'S NINTH KICK OF THE MULE AND BOY ARE THEY THICK HEADED. AT THE SAME TIME I AM A TOUGH OLE BIRD. BBT YOU REALLY ARE N'T PORTRAYING YOURSELVES AS BRIGHT AT ALL. THE CONSUMER FINANCE PROTECTION BUREAU IS BRIGHT ENOUGH TO REALIZE THAT I WOULD NOT BEAT A DEAD HORSE. YOU ARE TRYING TO SKIRT THE ISSUE BY STATING YOU STAND BY YOUR PREVIOUS RESPONSE. WELL, I STAND BY MINE! THE CONSUMER FINANCE PROTECTION BUREAU REALIZES AS DO YOU WITH YOUR FAKE DECEPTION ATTEMPTS THAT YOU HAVE AVOIDED/ NOT ACKNOWLEDGED THE FACT THAT ( IN ADDITION TO NOT REVEALING WHAT YOU DID WITH THE CONTENTS OF MY SAFE DEPOSIT BOX ) YOU HAVE NOT/REFUSED TO ADDRESS THE ISSUE OF THE SAFE DEPOSIT BOX KEYS THAT I HAVE ARE NOT THE ONES I WAS GIVEN WHEN I RENTED THE BOX AND YOU APPARENTLY ARE REFUSING TO CHECK YOUR CAMERAS THAT WOULD REVEAL WHO WAS IN THE BOX ON THE AFOREMENTIONED DATES-OH WAIT, CAMERAS CAN BE ALTERED/TAPES CAN BE ERASED. THIS CAN AND MAY HAVE HAPPENED BECAUSE THERE ARE ALSO PLENTY OF DISHONEST PEOPLE IN BANKS!! AND NOW YOUR ( BBT BANK ) SENIOR VICE PRESIDENT IS SNEAKING INTO THIS MATTER. WELL, TO HIM/HER I SAY WHAT I HAVE SAID IN MY PREVIOUS RESPONSES AND IN CASE YA HAVE N'T NOTICED I AM NOT TIRED YET-WHERE ARE THE CONTENTS OF MY SAFE DEPOSIT BOX!!! SO XXXX, I LOOK FORWARD TO ADDRESSING YOU IN THE TENTH KICK OF THE MULE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I was racially discriminated against by Chase Bank. A friend of mine recommended the Bank to me Who is XXXX he told me that he got a credit card opened up in XXXX direct deposit credit score was bad. He received the credit card I a month later applied at Chase bank opened up an XXXX direct deposit apply for a credit card with a XXXX credit Credit score the XXXX woman who assist me so I should have no problem getting the credit card. I also spoke to a supervisor who said I dont see anything wrong that she wouldnt get a credit card. Perhaps you should apply for a less credit card, which I did and was still rejected for no reason but vague this is nothing more than discrimination against XXXX  Denying us. Credit is denying me my rights as an XXXX. I have filed a formal complaint with Chase Bank. XXXX XXXX XXXX XXXX XXXX And Im following the complaint with you, Chase. Bank seems to have a history of racism as Ive done research to find. 
XXXX player XXXX XXXX discusses his allegation of facing racism at JPMorgan Chase. 
Chase Bank is accused of refusing to cash a doctors check because she was a XXXX woman. XXXX XXXX XXXX XXXX reports on how lawmakers are working to address the issue as it garners massive social media attention under the hashtag " XXXX XXXX XXXXXXXX. '' Subscribe to XXXX XXXX : Colorado woman is suing JPMorgan Chase, claiming XXXX discrimination at an XXXX branch. She shared her side of the story with XXXX 's XXXX XXXX. 

ETC I am also in this line of discrimination by living in a country that is so unequally yoked that I have to go to the same people that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these accounts for a long time now and all I wanted is to have these accounts removed from my credit report. 
XXXX FORMERLY XXXX ACCT # XXXX XXXX XXXX XXXX/ XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT # XXXX I have tried to fix this problem multiple times and told them to validate these accounts and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not, and, they will say my file has been updated with no sign documents showing me proof that the debt belongs to me. I am so sick and tired of credit bureaus releasing inaccurate information about me without proof that the accounts belong to me.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

On XX/XX/XXXX Galaxy International LLC, through their attorney XXXX XXXX, XXXX executed a garnishment ( copy attached ) against my XXXX XXXX  account seizing {$2000.00} from my account for a default judgment of {$9000.00} ( now {$9900.00} with interest accrued ) they received through XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX. I moved from XXXX  to XXXX  in XX/XX/XXXX and was not aware of any court case against me. I could not have been properly served as I had not lived at the address the company has for me since before the case was filed. There was no attempt to contact me for 1.5 years by either Galaxy or XXXX, the first indication I had a legal suit against me was the garnishment notice. I filed a formal change of address with the XXXX when I moved and I am not hard to find in public records. I do not know this debt and have no known connection to Galaxy International, LLC. Through research, I discovered XXXX is a foreign-owned debt purchasing company and discovered that the XXXX XXXX XXXX district court docket is loaded with Galaxy lawsuits handled by their attorney XXXX XXXX XXXX XXXX I made contact with XXXX XXXX on XX/XX/XXXX to request additional information. I was told they would be in contact within a week. I have not heard from XXXX and my multiple attempts to contact them led to voicemail with no callback. Whatever debt they may have purchased in my name, and with no details from Galaxy I can not even validate if this debt was ever mine, would have been from 10-15 years ago, and being sued without notice and having my funds garnished is beyond shocking and impactful. This is the most predatory business model out there. Throw out 100 's of lawsuits, with no attempt make contact with unsuspecting consumers who may or may not even owe the original debt purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of these Hard Inquiries were done by me, why are they on my credit report:|TRANSUNION| |HARD INQUIRES:|XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXX||XXXX| |HARD INQUIRES:|XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX/XXXX  XX/XX/XXXXXXXX/XXXX  XX/XX/XXXXXXXX XXXX   XX/XX/XXXXXXXX-XXXX  XX/XX/XXXXXXXX-XXXX   XX/XX/XXXX||XXXX| |HARD INQUIRES:|XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX., XXXX XXXX  XX/XX/XXXX|
Product: Money transfer, virtual currency, or money service

XXXX arbitrarily and arbitrarily used payment terms to seize customer funds, sent consultation emails without replying, and the customer service team ignored customers. They advertised that they would review the account within one working day, but this was not done. When deactivating the account, it was said that funds would be released within 90 days, but this was never done. I hope that with the intervention of the CFPB, my funds can be released as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has stated that the public record remains on credit report as unchanged and that the account has been verified with the furnisher as accurate as of XX/XX/2020. Equifax responded to CFPB complaint dated XX/XX/2020 on XX/XX/2020 that the investigation results should fix the existing problem of my bankruptcy being reported. How is this item verified? Provide me with Equifaxs method of verification by providing the original petition with my signature from the original furnisher of this information. By law the CRAs are required to provide this documentation to the consumer when requested by law in which, Equifax has not provided. Via the Fair Credit Reporting Act it is the responsibility of the Credit Reporting Agency to ensure that the information that the creditor is reporting is 100 % accurate and it is not. Equifax reports contact information for creditor : US BANKRUPTCY COURT-XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX : ( XXXX ) XXXX. XXXX  reports : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX, ( XXXX ) XXXX. XXXX  reports : US BKPT CT GA XXXX XXXX XXXX XXXX XXXX, GA XXXX No phone number available. How is this public record reporting accurate with three different addresses and three different court names.? Via the Fair Credit Reporting Act information being reporting on a consumers report has to be 100 % accurate, timely, and verifiable. In this case it is not. I have attached a letter from U.S. Bankruptcy court that states that they do not furnish, report, verify, or provide information to the CRA 's dated XX/XX/2020. I have provided copy of reports from Equifax, XXXX, and XXXX. I have provided copy of XXXX consumer reports dated XX/XX/2020 and XX/XX/2020 to show that there is no public record of a bankruptcy reporting from the third party XXXX in which you provided to consumer in who you verified public record from.
Product: Mortgage

Iwas divorced XX/XX/XXXX, i relinquished the property in XXXX, pa to my husband at the timewhich is described the divorce agreement in explicitly in my divorce documents and i signed the deed to property over in the office of. XXXX XXXX ago i was made aware I am still on the deed in XX/XX/XXXX.2 yearsago i was made aware i am still on the deed to this property.this property is in forclosure .the owner XXXX XXXX is XXXX and I am the owner of record.I have been trying to get ttorney XXXX to rectify this situation and he has refused to have any contact with me and I have been unsuccessful in getting other legal council.In XX/XX/XXXX a judgement was filed and still unable to get a response from attorney XXXX. My complaint is neglegence on Attorney XXXX and help to resolve this delema. 
SincerelyXXXX XXXX Pa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.
Product: Money transfer, virtual currency, or money service

I made a purchase with my cashapp card and few days later I returned items for a refund. Seller issued refund to my cashapp card and claimed it would be a few days and I would see my refund. It has been 40 plus days and I do not see my refund. Cashapp claims to deny it. Im not happy
Product: Credit reporting, credit repair services, or other personal consumer reports

DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX AMOUNTS : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX {$170.00} AND XXXX XXXX XXXX {$420.00} I went to the XXXX Police station and got a incident report of the event. I went on the Federal Trade Commission 's website and filed a ID theft report. I sent this to the credit companies and they haven't done anything yet.I need help with this.
Product: Debt collection

On XX/XX/2022, I sent a debt validation letter. LVNV Funding received my letter on XX/XX/2022. I later received 2 letters and included billing statements. There was no contract of agreement included. Licenses of business or any of the required documents. I recently responded back to LVNV funding on how they violated my rights has a consumer.
Product: Credit reporting or other personal consumer reports

Not really an error. It is intentional by the credit card companies. I just noticed that my elan financial credit card accounts XXXX and XXXX is being shared with us bank. So my XXXX credit card accounts have been turned into XXXX separate accounts. Elan financial is reporting XXXX and XXXX as being their accounts to XXXX  and us bank is reporting them as being their accounts to XXXX. My XXXX accounts can't belong to XXXX different banks. Why are you both sharing my XXXX accounts as if they belong to both elan and us bank? as if that is legal. I don't need to submit docs, even though I have them. You both know what you are doing. And you know it isn't legal. I didn't bother complaining, because it would do no good. Clearly you know you shouldn't be doing what you are to begin with. I just need it on record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX : {$26000.00} XXXX XXXX XXXX : {$26000.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I agreed for XXXX XXXX ( XXXX XXXX ) to initiate a {$3500.00} payment to my XXXX XXXX XXXX ( XXXX XXXX ), to bring that balance down to {$450.00}. ( Now {$0.00} ) XXXX honored the agreement for a {$170.00} fee and sent XXXX {$3500.00} to be charged to my XXXX XXXX with XXXX 0 % interest. Thus, my XXXX XXXX had a new Balance of {$3600.00}. Experian reported the New XXXX XXXX Balance as an INCREASE of 17.33 % in Credit Usage. All this might have been okay, except Experian neglected to report the XXXX XXXX XXXX XXXX half of the transaction, which left hidden the {$3500.00} lower balance in the XXXX XXXX and didn't report a 20.1 % LOWER XXXX Credit Usage percentage . This caused a XXXX Point Experian Credit Score ; a XXXX Point XXXX Score and somehow, a minus XXXX Point XXXX XXXX XXXX XXXX XXXX The Usage percentages should have been OVERALL Credit Usage averaging ALL Usage. This is what I'm most concerned about. Background : On XX/XX/XXXX, I wrote a XXXX promotional check for {$18000.00}. I paid {$420.00} every month until paid the {$18000.00} back. My penultimate act on XX/XX/XXXX used the XXXX offer to reduce my {$3900.00} balance to ~ {$0.00}. Then XXXX chose to REDUCE my Credit Score XXXX points. Wait. What?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I started filing disputes with Credit Bureaus about the information that is being reported on my credit report. I have not heard or receive a response from the Credit Bureaus. Since then I still I sent more letters and still have not received a response. The three credit bureaus are XXXX XXXX, and Experian. I have sent them documents show that the information was not correct. They haven't verified the information or sent response.
Product: Mortgage

I sold my house, the mortgage was paid on XXXX XXXX, 2015, the mortgage company, Wells Fargo Home Mortgage, is holding my escrow refund for two weeks and also insists that they ca n't deposit the funds to the account from which they withdraw them but must mail them. Although I have rented a mailbox from the XXXX, I will be leaving the area and will not be here when the check arrives, It is impossible to rent a mailbox at my intended destination - you ca n't get XXXX unless you show up in person. It looks like I will have to wait until I get to my eventual destination and pay to have my mail forwarded, perhaps the check will show up, perhaps not. 
I think WFHM is doing this to extend the time that they have the money, doing so at my expense.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$6000.00}.
Product: Credit card

Synchrony Bank has issued a letter stating that they will be charging {$1.00} per month to mail paper statements to users who have a balance greater than {$2.00}. I intend to call them tomorrow but, regardless of what they say to me, they should not be allowed to do this to other consumers.
Product: Debt collection

( ONEMAIN ) at ( XXXX XXXX XXXX XXXX XXXX, IN XXXXXXXX  ) has been sending me collection notices in the amount of ( {$0.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I received an updated credit report from my investigation. Equifax has failed to provide specific investigation results such as who and when they verified this collection. This is unlawful. They are continuing to report unverified information on my credit report that they havent verified by law. The other two reporting agencies are now in compliance with the law and are no longer in violation of my consumer rights. I demand that Equifax immediately delete this unverified account. I have submitted 4 certified letters to them and they fail to remove this item and they continue to ignore the fact that they must provide specific details of their investigation. I am now in the process of pursuing litigation against them and can provide evidence of their unlawful credit reporting and investigation actions. I demand that they remove this item and provide me with an update credit report.
Product: Student loan

I currently have 12 direct federal student loans, being serviced by Fed Loan Servicing ( AES/PHEAA ). My loans were transferred to Fed Loan Servicing in XX/XX/XXXX. From XX/XX/XXXX until now ( XX/XX/XXXX ), I have worked for two different, qualifying PSLF-employers. Since XX/XX/XXXX, I have made 29 qualifying payments under PSLF. I  have been very careful about recertifying my income-based repayment plan each year and re-certifying my employer by sending in an updated form each year. Even though these recertifications are burdensome and force borrowers unnecessarily into forbearance during the time it takes to process them - I have completed them. This past year, it took Fed Loan Servicing 4 MONTHS to complete my REPAYE certification - that is four months that I was ready, willing and able to make on-time, qualifying payments towards my 120 total payments. Instead, now my 10 years of payments will be delayed for an additional four months. If it takes Fed Loan Servicing 4 months to recertify my payment plan each year, I will be forced to pay into PSLF for an additional 28 months - extending my payments into a 12+year period. 

I have called Fed Loan Servicing on two separate occasions to ask for a PSLF qualifying payment update - once in fall XX/XX/XXXXand just today, XX/XX/XXXX. I do not trust Fed Loan Servicing or the PSLF program to approve my 120 payments unless I have documentation issued by Fed Loan Servicing saying that I have made X number of payments. This is extremely important to me - I am making life decisions based on the life of these loans, which have compounded ( now over {$300000.00} ) since I completed law school. These loans are affecting my mortgage, my child 's education, my profession and my retirement. I need to qualify for PSLF in as close to 10 years as possible under this program. 

My request is that Fed Loan Servicing issue me an updated PSLF qualifying payment update and that recertifications are handled expediently and do not require borrowers to go into forbearance or extend the life of their loan to wait for Fed Loan Servicing to recertify their monthly payment.
Product: Credit reporting or other personal consumer reports

XXXXm really upset to discover inaccurate accounts on my credit report this morning, and I cant understand why theyre there. Im diligent about checking my credit report, but today I was blindsided by random discrepancies. Hoping it was a browser issue, I refreshed the page, but the inaccuracies didnt go away. Because of this, Im requesting that the documents I submitted be carefully checked so I can finally stop stressing about my credit report once and for all.
Product: Credit card or prepaid card

XX/XX/XXXX Comenity bank provided a letter stating the balance was paid down. 
XX/XX/XXXX Customer inquired about credit reporting XX/XX/XXXX XXXXomenity replied that credit reporting was done every 30 days and told me to wait 45 days XX/XX/XXXX Balance paid off completely XX/XX/XXXX Reviewed credit report through the home buying process and because Comenity has not updated the account I am unable to qualify for down-payment assistance for XXXX  here in the state of Florida. Spoke with Comenity at XXXX this evening and was told they would generate another letter showing that the account was paid off, but had no estimated time for when credit reporting would be updated. Asked for a supervisor and the agent restated there was nothing that could be done even after four months of waiting.
Product: Debt collection

Resurgent capital services is reporting inaccurate balance also inaccurate name because my name is XXXX XXXX XXXX on my credit bureau ( XXXX ) please look at the supporting documents
Product: Credit reporting or other personal consumer reports

This is my follow up complaint i filed last 15 days ago I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX