23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX/XXXX/16 I applied online for the BBVA Compass XXXX XXXX XXXX XXXX. I was instantly approved with the Slam Dunk message. The following week I received a letter stating that my account was closed and that if I wanted to know the reason why to contact them. I called the number listed on the letter and spoke with a rep who told me that they thought my account was closed because they thought it was a fraudulent application. I told her it was n't a fraudulent application and asked if I could verify my info or what else could I do? I also asked why no one contacted me to verify my information. She said she did n't know and suggested I " check my reports '' I have monitoring with XXXX ( who they pulled ) and XXXX monitoring. I check my reports regularly and also am notified of any activity on any of my reports. I have lived at the same address and had the same phone number for over 5 years. I have never had any fraudulent activity on any of my reports. I have never had any fraudulent accounts opened in my name. I have never even froze my reports. There is no reason that it should have been considered fraudulent. She said that she could not help me with my questions and gave me the number for the " fraud '' dept. I called that number and it ended up being disputes. They told me the same thing as the first rep, and transferred me to the actual fraud dept who again told me the same as the first rep that they think it is a fraudulent application and to check my reports. I told him that I am me and it is not fraudulent, what can I do? He also could not give me any information and transferred me to a supervisor. The supervisor also could not help me and wanted to transfer me back to customer service ( where I started ). She put me on hold and then came back and said that customer service could not help me either. I have checked all XXXX credit reports and everything is correct. There is no fraudulent activity and all my info is correct and up to date. There are no discrepancies. BBVA Compass is becoming known for closing accounts without cause. They use " fraud '' as a reason but can not give any info. A quick google search shows this has happened to many people.
Product: Checking or savings account

I DONT GIVE A XXXX IF THE CHECK WAS UNPAYABLE BY THE PEEPLE I GOT IT FROM, WHERE IS THE ORIGINAL INSTRUMENT [ CHECK ] WITH MY WET INK SIGNATURE? AND WHAT DID YOU DO WITH IT? AND WHY IS IT SO VALUABLE FOR YOU TO HIDE, TO KEEP, TO RESELL,? EXPLAIN TO ME THE DEBT WHEN YOU MADE A SECURITY INSTRUMENT OUT OF THE ORIGINAL CHECK AND SOLD IT, LIKE YOU DO TO EVERYBODY ELSE YOU CRIMINAL XXXX XXXX LIARS MISCREANTS, so EXPLAIN TO ME A WRONGDOING? SO WHAT WRONG DID I DO? EXPLAIN THAT TO ME,,,,,,,,,,,,,,,,,,,,,,,,,,, CITIBANK is A FRAUDULENT CRIMINAL AND USES WORD SEMANTICS AND MANIPULATION OF FACTS, so i read the response, and it doesnt answer my questions, and is very deceptive, so you kept the original check, how long did you keep it before you sold it with a cusip number as a securities instrument?, I have located the financial institution you sold it to, did you also sell my original contract with the wet ink signature?, I BET YOU DID, AND ARE YOU GOING TO CHARGE SERVICE FEES TO MY TRUST ESTATE?, I BET YOU ARE FOREVER, so CITIBANK has sold the original instument which now there is no proof of indebtedness, I havent received a sworn statement from ANY citibank representative stating a wrongdoing committed by me, sworn to before a notary which makes it binding ; ; and yet citibank makes false claims on me? send me a sworn statement of wrongdoing committed by me and swear to it under oath, because you cant do it, YOU SOLD THE ORIGINAL INSTRUMENT AND MADE PLENTY OF PROFITS FROM IT AND IM GOING TO PERSUE THIS MATTER AND PROVE THE FRAUD AND LIES COMMITTED BY CITIBANK, I NEVER RECEIVED ANY ''BILL '' EITHER, SO SEND ME A ''BILL '' AND NOT A STATEMENT, A STATEMENT DOESNT PROVE ANYTHING, its all presumptions you XXXX liars creepy freekazoids criminals, HOW MANY SIGNATURES ARE YOU SELLING EVERYDAY YOU LYIN XXXX   XXXX, AND THE LAW SAIS YOU OWE ME THE INTEREST WITHIN 3 YEARS FROM ALL THE SECURITIES YOU SOLD USING MY TRUST ESTATE,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these fraudulent charges recently and of the 2, One was removed but they are clearly made in the same store by the same person but only one was used. I am disputing the other charges as well. On XX/XX/16 The amount was {$790.00} with XXXX XXXX
Product: Student loan

In XX/XX/2019, I made an agreement with the Student Loan Forgiveness Program known as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The application for the program was entitled : Public Service Loan Forgiveness ( PSLF ). The agreement was that I would pay {$240.00} for five months, and then my payments would drop down to {$22.00} a month for the next 10 years. At this point, whatever amount was left on my loan would be forgiven. 

I was in contact with XXXX XXXX @ XXXX ; email : XXXX. Questions were to be sent to XXXX. 

I made a payment of {$240.00} on XX/XX/19 ; XX/XX/2019 ; XX/XX/19 ; XX/XX/19 ; XX/XX/19. 
I made a payment of {$22.00} on XX/XX/19 and XX/XX/19. At this point, there were no more payments automatically withdrawn from my account. The phone numbers connect to these withdraws were XXXX ; XXXX ; and XXXX. 
All payments were made out of California. 

When I contacted the company, the recording stated that the business had been suspended on XX/XX/2019 with a restraining order under the Consumer Financial Protection Bureau. They have been assigned a receiver : XXXX. This is where the court documents can be found. It also stated that there was to have been a court hearing on XX/XX/2019. However, I am unable to find any information about the outcome.
Product: Checking or savings account

Synchrony bank, as usual, did not put the money as requested. Then, it did not give me the additional interest as synchrony bank put the money today ( XXXX ) instead of XXXX ; I am loosing XXXX cents. Therefore, synchrony bank MUST immediately give me additional XXXX cents to account.
Product: Credit reporting or other personal consumer reports

I sent a letter to creditor XX/XX/year> stating I'm going through financial hardship and I see where this item was charge-off from my credit report but I was never sent me a XXXX. Could please send me one. I also explain The way this account is reporting the account balance, acct number, the date of last payment doesn't look familiar, could you please delete this from my account immediately. This is a violation of the fair credit reporting act willful Non-compliance because they're neglecting the fact that you're requesting something that under the law XXXX ( a ) ( XXXX ) ( b ) ( iii ) I can request.
Product: Money transfer, virtual currency, or money service

I am reaching out to formally express my concerns regarding Zelles way of handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my XXXX XXXX  and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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 consumer safety.
Product: Credit reporting or other personal consumer reports

PLEASE DELEE THE FOLLOWING ACCOUNTS XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Account Number : XXXX
Product: Mortgage

I have been paying my mortgage on my house to Movement Mortgage for four years. I pay online. In the last six months I have been having problems with their site and have had to call. Their site redlines my user name and wont accept it when I try to verify it the site gives me the same user name and asks me to change my password which I have done with still no ability to pay. I call customer service and spend several hours with them trying to fix it to be told fill out new account information. Finally after two days and many hours the site accepted my payment also the supervisor talked over me several times told me to go with XXXX which is unprofessional. I am very upset with their handling of my business and therefore am making this complaint.
Product: Mortgage

RE XXXX I am not able to log into my complaint.I would like to provide you with an update.The evidence hearing in XXXX XXXX XXXX, Fl is set for XXXX XXXX issue also is when Ocwen sends mail via XXXX the tracking numbers are not tracable.The dispute now is over when the actual foreclosure proceedings were started vs when I received the final HAMP Mod papers to the local address while I was on contract in XXXX.I have the envelope and the return, drop off package receipt both have nontracable XXXX tracking numbers on it.I believe this is done on purpose.I have contacted the Attorney General of Fl.That office also has requested a response from Ocwen.Originally I was approved for a Hamp Mod but it was revoked by Ocwen with the explaination that the paperwork was not returned on time.I dropped it off on XXXX XXXX in XXXX, Nevada.XXXX number XXXX.Tracking number XXXX.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : # XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructio

ns 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: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated The inaccuracies are highly injuries to my credit score UNITED AUTO CREDIT, in accordance with the fair credit reporting Act, public law 91-506, title VI, section 611, subsection A D please provide the name and business addresses of each individual with whow you verified the above, so that I may follow up, please send an updated copy of my credit report after your reinvestigation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has an account that belongs to my XXXX  and I have NO liability for this account as I am only an Authorized User and I was supposed to be removed as an authorized user. I submitted a dispute with the credit bureaus and XXXX XXXX verified it is correct information. As an Authorized User I have the right under the FCRA and Federal Law to be removed as an XXXX and the account deleted off my credit bureaus as I have the right to my own credit and I do NOT wish to be an Authorized User on my XXXX XXXX XXXX XXXX card account. This is notice to XXXX XXXX that I want to be removed as an Authorized User from the account or my XXXX  XXXX XXXX of XXXX XXXX XXXX  will initiate litigation for any harm this has caused my credit and punitive damages for stress. ** I DO NOT WANT TO BE AN AUTHORIZED USER ON MY XXXX ACCOUNT NOR AM I LIABLE FOR THIS ACCOUNT. We were XXXX  in XXXX  2021 in XXXX XXXX, XXXX. Her name is XXXX XXXX. The account listed has a credit limit of {$6300.00}. This needs to be removed immediately or my XXXX  will take action for XXXX XXXX failure to delete this account at my demand and federal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear equifax I see information that on my consumer report that is result of identity theft. I did not provide any written permission or instructions for this account to be reported on my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material representations of fact by the relevant to the request to block the identified account. This account and transaction is not information related by me the consumer. XXXX XXXX XXXX Account number XXXX Down below I attached all supporting documents my drivers license my social security and my identity theft form. Thank you
Product: Credit card

I've been scammed from Lexington law firm and XXXX XXXX
Product: Money transfers

I have an account with Western Union. I make a transfer every month using their service. I am pretty satisfied with their service. However, something happened this last transaction that bothered me and I feel compelled to submit this complain. 
This is a transfer I make on a monthly basis to XXXX, where I have a business. The money sent is used to make payroll for the local employees. I requested an online transfer on XXXX XXXX, 2016. WU website informed me that the transfer was recorded and on XXXX XXXX they withdrew the money from my bank account in USA. Generally within three days the money is transferred. However this time there was no money transferred and so I contacted WU and an agent told me that everything was fine and that the money will be available on XXXX XXXX in my account. 
I realize there are regulatory compliances to fulfull while transferring money overseas, and accepted their delay as normal. 
Generally Western Union would immediately send me an email confirming the request I have made. Most of the time, it would mention that the transfer is on hold pending investigation. Since I have registered with Western Union and have provided them the reason for the transfers ( which is for expenses in the business ) they advised me to wait a few hours and they would release the funds after the investigation is completed. I would generally receive a confirmation of fund transfer about two hours after I make the transfer. This time though, they did not send me any email and when I contacted them a few days later, told me that everything was okay and that the money will be available on the XXXX in my bank in XXXX. 
On the morning of XXXX XXXX I received an email from that saying that I need to contact them regarding the transfer. After I contacted them, they failed to give me any reason why they did not contact me earlier, or did not tell me that there was a hold on my transfer the week before. 

I would like to get an answer from Western Union why they are refusing to give me an explanation.
Product: Debt collection

Credit Acceptance account was opened XXXX and closed in XXXX .. due to job lossin XXXX I was attempting to co sign for my daughter car and they told dealership not to approve application without contacting them I reached out to a attorney whom sent them a letter on my behalf to stop contact and the statue of limitations on account over XXXX XXXX XXXX XXXX XXXX they have sent another letter through another law form XXXX XXXX XXXX XXXXXXXX ) XXXX I dont understand this constant harassment and denying of applications from this company.
Product: Student loan

I had XXXX for my lender and then everything was sold to Navient. After I consolidated my loans over 1 year ago, Navient was supposed to update my credit report showing the reflected changes, they failed to do so. I called and the rep there told me that I had to send a request letter for them to update the bureaus all XXXX I did send the letter and then I called a few days ago and they said I also had to include a copy of my credit report. I am uncomfortable sending them this information and asked why they can not just report the correct information as it is showing I owe more than I actually do and it is financially hurting me. The rep hung up on me. I also asked if they can remove the XXXX loans as they closed XX/XX/2008 and she said they had no affiliation with XXXX, but when I call the number to XXXX listed on my credit report it goes to Navient. All I am asking is that they do as they are supposed to and update the credit reporting agencys with the correct information.
Product: Credit reporting or other personal consumer reports

Only my XXXX was able to remove the account my Equifax and XXXX have not saying they have conducted the investigation when they haven't because it should be removed off my report. Us Department of edu should not be on my credit report.
Product: Vehicle loan or lease

WELLS FARGO INCORRECTLY CLAIMED THAT DURING A COVID DEFERMENT I SIGNED THE FORM BUT IT WAS NOT DATED. THEY REPOSSESSED MY CAR AND DESTROYED MY OTHERWISE EXCELLENT CREDIT BECUASE OF THIS. THIER CASE NUMBER IS XXXX.
Product: Debt collection

I am writing to you to address a matter of significant concern regarding the late payments erroneously listed on my credit report maintained by your bureau. Upon reviewing my credit report, I discovered several entries indicating late payments that do not accurately reflect my payment history. I kindly request the immediate correction of these inaccuracies. XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to file bankruptcy due to issues I had with identity theft. I called XXXX after I was told by the attorney of the balance with XXXX. It was around 30,000 of debt. Debt for schools I have not attended. I called XXXX often and advised them that they were not mine. 
I completed their request for a police report. 3 times. I filed out their paperwork that I recvd in the mail & faced back. They denied me. I was told that various schools listed are not even open. I moved to XXXX in XXXX. In XXXX my is & ss card were stolen. I explained this over & over again. When I speak to them, they continue to advise me to forebear the loan. Nothing is happening. The balance continues to skyrocket. I have tried contacting 1 of the schools and told I could not get any information, bc its not me. How am I in debt to something that I have no clue what it is? Or to get any information to help w the acct to get it resolved & closed. I went through the XXXX XXXX XXXX and also filed a report as suggested. The individual told me I would get a letter confirming that it had been resolved. The other concern is when I file a report, I cant give a name or anything confirming who I think abused my identity. Im literally distraught. Its destroying my credit and shows I owe so much, when I actually do not. 
I have attended these colleges : XXXX XXXX XXXX XXXX College XXXX XXXX XXXX XXXX XXXX XXXX College All of these others I have not attended. I also had reported that XXXX college financial advisor had altered my information @ the  time of enrollement. Regarding my  income & or individuals in my home. I spoke to an advisor for assistance @ XXXX   that told me my report in XXXX that had 6 people in my home. I would really like to get this resolved. This is unfair and I have no other options.
Product: Debt collection

I was not notified that I had this alleged debt and I also wanted notified that this debt was being placed on my credit report. I have medical insurance so I was n't even aware of an alleged debt owed to anyone. I 've sent letters to AR Resources advising them to validate this debt because they 've violated th e HIPPA law.  I sent them a certified letter of  XXXX   XXXX ,   XXXX   and on  XXXX   XXXX ,   XXXX   they sent me a letter stating that I owed {$1400.00} ; attached with that letter they had a bill with, the date these procedures supposedly took place, a breakdown of the procedures that were preformed as well as the medical codes for these procedures, the bill had a doctors name on it, with the amounts for each procedure cost. This is a violation of  the HIPPA la w. Then on  XXXX   XXXX ,   XXXX   I receive another letter for this same account stating that I owe {$190.00} ; attached with that letter they had a bill with, the date these procedures supposedly took place, a breakdown of the procedures that were preformed as well as the medical codes for these procedures, the bill had a doctors name on it, with the amounts for each procedure cost. In the comment section it stated that what the explanation field was for at the top with the numbers in them.  ( 1 ) meant Insurance Contractual Allowance and ( 2 ) Insurance Deductible.   This company has placed  XXXX  separate collection accounts on my credit report with  XXXX  and  XXXX  for the amounts of {$180.00}, {$1400.00}, {$75.00} and and then on my   XXXX    report they 've have {$1400.00}. From the information that sent me in these letters all of these charges for on the same bill, so why did they place  XXXX  separate collections on  XXXX  and  XXXX . The original creditor has violated the HIPPA law because they provided information that I did not give them permission to share with a third party. They 're also providing inaccurate information to the credit bureaus as well as to me.
Product: Credit reporting or other personal consumer reports

" According to 15USC 1681 I, e, b a consumer is entitled to fair reporting. The accounts in question are not reporting accurate. The FCRA rules ensure accuracy and these accounts violate the law. Fines per each violation are in excess of {$1000.00} per violation and there are over 100. Legally these accounts must be removed. ''