23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was a victim of a phishing email scam. The email came from what looked like XXXX. The email was : XXXX In the email they sent an invoice of {$500.00} I bought in bitcoin. I have never bought bitcoin. So I called the number at XXXX to dispute the transaction. The other person on the line was incredibly professional and convincing. He claimed the charge came from an IP address in Texas. I have no association with Texas. They wanted to verify my IP address by sending money through XXXX. This was to verify my IP address. They assured me the money was going to come to me instantly again from their manager, XXXX XXXX. The XXXX tag was registered as XXXX. I ended up sending 2 transactions to them. One for {$1300.00}, and another for {$1300.00}. The money was taken right away. They hung up and that was it. I rushed to my nearest Wells Fargo bank and explained everything. I filed a complaint and got all new accounts. 

I had filed a complaint here but nothing came out of it. Until today I read about Regulation E. It seems I may have a chance through this Federal law. XXXX scams are becoming rampant as of late. XXXX XXXX has been looking into this issue and asking questions. I ask that you please consider my case again and find another reason as to how I can get a refund. Thank you very much for you time reading this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I submitted a personal loan application to consolidate debts to XXXX XXXX XXXX XXXX XXXX, understanding that according to my credit report I have a good credit to receive a good interest rate. The loan was approved but at a very high interest rate, and the bank indicates me that the credit score they received from Transunion is XXXX, which is not the same as the report that I received from the TransUnion, which is XXXX. On XX/XX/2019 I called TransUnion and requested my credit report and my credit score again and they certify that my credit score is XXXX. On XX/XX/2019 I called the bank and send the credit report that a received but the bank indicates that they can not use the report that I have from Transunion since they received other information from their credit bureau.
Product: Debt collection

Checked my credit report 4 years ago saw there was a XXXX XXXX credit card in collection. Filed a dispute since then it has been reopened every year by the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. However, it has been more than 30 days, and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Mortgage

On XX/XX/2016 Bank Of America AKA XXXX XXXX A illegal limited power of attorney which was fabricated by who knows who tool establish legal standing at my foreclosed action see my case at XXXX under my name XXXX XXXX or Case # XXXX I am requesting Bank of America to pay me the Judgment amount of {$140000.00} Plus infliction of XXXX infliction of XXXX damage and XXXX damage Bank of America will have all the liability towards all the suffering that I had done To me in and family option XXXX I will take a legal action with many other people will result in a class-action which Bank of America would by liable
Product: Credit reporting or other personal consumer reports

I requested by certified mail to XXXX, remove the account XXXX XXXX, it is reported by the IRS as a canceled debt since XXXX, tracking number XXXX, the above tracking number show the payment of XXXX canceled debt payment for XXXX.XXXX  is still reporting this account as a debt on my credit report.up dated XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX submitted a legal formal complaint against Equifax to remove fraudulent information from my credit report I am a victim of identity theft they did not remove the information within 4 business days according to section 605b of the fair credit reporting act I have now filed a civil lawsuit against Equifax for failing to protect my consumer rights the account XXXX XXXX XXXXXXXX for {$11000.00} is not my account Ive already contacted the original creditor to remove from my credit report I have also filed a suit against all parties
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX acct # 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 instructions
Product: Credit reporting or other personal consumer reports

Investigate Fraud Waste and Abuse At XXXX XXXX  XXXXXXXX XXXX  Termination Requiement of Fraudulent XXXX XXXX CREDIT CARD XXXX This is A Freedom of Information Act Violation Experian Credit File XXXX XXXX XXXX XXXX XXXX Due Process of Law I a A Victim of Character Assination by Hacking My Personal Credit File FBI XXXXXXXX XXXX  is Currently Investigating Identity Theft At XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an estate account for my deceased mother at Citizens Bank in XXXX ( XXXX XXXX ) upon opening account I felt very uncomfortable with the XXXX at Citizens bank on XXXX XXXX in XXXX. So I filed a complaint with Citizens ( # ID XXXX ) and I thought I broke ties with her and that branch. It was my belief she would have nothing to do with me or my account. On XX/XX/2024 I visited Citizens bank on XXXX XXXX in XXXX I attempted to withdraw {$5000.00} from my account I had a balance of {$7000.00} the manager at that branch calls the Manager of the XXXX XXXX branch to verify my account. She then told me she was instructed by XXXX XXXX, whom I lodged a complaint about, not to service me if I wanted funds I pleaded with her to check there system I have a complaint against her but she would not check and Insisted I have to go there she would service me. Upon my arrival she says my balance is {$200.00} dollars she stole {$5000.00} from my account I made one trans action withdrawing one of the {$2000.00} she did not steal
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system.. Chapter XXXX Bankruptcy Discharged XXXX
Product: Credit card

[ Estate XXXX XXXX XXXX ] XX/XX/2023 Subject : Notice to Cure - Discrimination Based on Religion/Violation of U.S. Code Attention lending team of Discovery I applied for a car loan and got denied. Regardless of the reason for being denied, I have the right to credit. Only XXXX can deny me anything. Withholding access to my securities is securities fraud! Youre violating the equal credit opportunity act & the consumer credit protection act. Since you are denying me my credit please retract my application thank you. 




XXXX, XXXX XXXX XXXX attorney in fact for XXXX XXXX
Product: Debt collection

I HAVE HAD A COMPANY CALLING ME, PORTFOLIO RECOVERY ASSOCIATES, TRYING TO COLLECT A DEBT THAT I DONT BELIEVE IS MINE. I HAVE ASKED NUMEROUS TIMES THAT THEY STOP CALLING ME AND PROVIDE A VERIFICATION OF THE DEBT, YET THEY STILL CALL NUMEROUSE TIMES A DAY. THEY HAVE REPORTED THIS TO MY CREDIT REPORT AND I DO NOT BELIEVE IT IS MINE OR IT IS OWED. THE OPEN DATE SHOWING ON MY REPORT IS XX/XX/2012 AND THE AMOUNT OWED IS XXXX FROM A CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX '. I HAVE DISPUTED THIS DEBT AND ASKED FOR VERIFICATION ON THE MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$40000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Received calls and mail correspondence from First National Credit Bureau in reference to a 2004 XXXX debt that was a result of identity theft but was sold to XXXX XXXX and now has been sold to FNCB. This debt has not and can not be validated. I 'm requesting assistance in handling this matter properly and swiftly. This is considered junk debt being that it is XXXX years old and besides it was opened in my name without my consent. I have attached the original police report and letter I received from the collection agency.
Product: Vehicle loan or lease

In anticipation of selling my vehicle ( XXXX XXXX XXXX ) that was leased with Kia Finance, I made some advance payments in XX/XX/XXXX, thinking that those payments would be immediately applied against my Lease balance. I subsequently determined through conversations with Customer Service Reps that any advance payments made on a Lease are not applied, but rather remain in a " Suspense '' Account. Amounts are only withdrawn and applied to the Lease balance as payments become due. Upon learning this, I contacted Kia and requested that they refund all of those advance payments, but subsequently only received checks totaling {$6000.00}. I subsequently sold my vehicle to XXXX and the lease with Kia was paid off on XX/XX/XXXX. As of that date, Kia Finance still owed me {$1900.00} as a result of those adbance payments I had made back in XX/XX/XXXX. I have made numerous contacts to Kia, and each time I call, they inform me the refund is still pending, and all they can do is send an email to their " Payment Processing Center. '' Everytime I call the response is exactly the same. As of today 's day, it has been more than 4 months since my Lease was paid off, and I still haven't received my refund of {$1900.00}. I am incredibly frustrated and feel totally helpless. Kia Finance operates with impunity, and apparently never even responded to a XXXX XXXX XXXX Complaint I had previously filed. 

My Account # is : XXXX The vehicle description is : XXXX XXXX XXXX The lease date was : XX/XX/XXXX The company name is : KIA Finance The company address is : Kia Motor Finance XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX The phone # is : XXXX My name is : XXXX XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX, FL XXXX My phone # is : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo : dispute for identity theft services I never signed up for. This dispute was settled in XX/XX/XXXX for  {$1200.00}. Case number XXXX. Have been told twice " the check is in the mail. '' I never received a check. 

Now I am being told that an outside vendor cuts the check and an email is in to them. I have no confidence in this process. 

I want my {$1200.00}. I'm being told that the party cutting the check is an outside party and Wells Fargo needs to rely upon the outside party to cut the check. I spoke to XXXX today, XX/XX/XXXX approx XXXX Arizona time, direct number XXXX. She is on the dispute resolution team. She said she would escalate this, but again, this is after my being told twice the check was cut and never receiving. Made sure address is correct.
Product: Mortgage

This is still ongoing. I am still no further ahead than I have been since this started in XXXX. As a matter of fact the last time I filed a complaint with the XXXX, Bank of America has said they would send their response/findings of this to me. I was told this on XXXX XXXX, and XXXX XXXX. As of today XXXX/XXXX/XXXX I have received nothing. However, on the XXXX site I noticed they responded to the XXXX and I absolutely dispute what they sent. I have never requested a deed in lieu. I never cancelled a short until the buyer I had from XXXX XXXX of XXXX finally cancelled. As far as cancelling a short sale in XXXX of XXXX I was trying to pursue help with loan remodification and there was no short sale paperwork going on. As a matter of fact I would receive letters telling me that due to Bank of America not receiving all requested paper work they were cancelling things which then led to me calling again to ask what they wanted as I sent them everything they asked for everytime.. My realtor also had great difficulty receiving information and responses from Bank of America. In spring of XXXX we went through months of sending and resending documents due to them wanting new wet signatures on everything that had already been signed. I have been talking with a XXXX XXXX at Bank of America and we talk at least once a week but still nothing is being resolved. She did tell me she would send new paperwork for loan re modification XXXX but I still have n't received that either and if Bank of America does n't resolve the issues of money still being charged and etc that I have requested Bank of America remove/write off I do n't know how anything will be any different. In the meantime, I still have a live foreclosure date looming ahead of me for XXXX XXXX which mean homelessness for me as well. Ca n't this foreclosure be stopped like it has been before when dealing with these issues?
Product: Mortgage

XXXX XXXX OUR LOAN OFFICER MOVED FROM ONE TRUST HOME LOANS IN XXXX TN TO SUPREME LENDING IN XXXX TN AND TOOK OUR LOAN WITH HER BUT DID NOT LET US KNOW SHE WAS SWITCHING COMPANIES. SHE DID NOT HAVE OUR CONCENT TO TAKE OUR LOAN WITH HER. SHE HAS BEEN UNPROFESSIONAL AND UNETICAL WITH NUMEROUS THINGS. SHE HAS GIVEN PERSONAL INFORMATION TO THE PREVIOUS RENTER OF THE HOME THAT HE COULD ONLY KNOW HAD SHE TOLD HIM. SHE HAS LIED TO US TELLING US THE HOME WOULD CLOSE IN 2 WEEKS FROM XXXX XXXX BUT AS OF TODAY XXXX XXXX, 2015 IT HAS NOT CLOSED. THE REASON FOR THAT SHE HAD TO START OVER WITH OUR LOAN BUT SHE TOLD US IT WAS JUST TRANSFERING. WE HAVE HAD LIE AFTER LIE.
Product: Debt collection

Deville Asset management is reporting on my report in the amount of XXXX XXXX I assume its for another company but i have never received a dunning letter in regards to the debt or why they are on my report. I would like to know why they are reporting on my report without first notifying me and to provide sufficient legal documentation in regards to this alleged debt. I only noticed them on my report from pulling it a while ago and then they were gone but now they are back.
Product: Credit card or prepaid card

Applied for a credit card {$300.00} was taken from my checking account I never used the card months later I was sent a check the check has expired
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate. The Balance is not correct and the payment is not correct and the balance history is different on the XXXX, XXXX and XXXX. Please Delete per the FRCA 611. 

XXXX XXXX XXXX # XXXX
Product: Debt collection

Subject : Dispute of Collection Account and Violation of Consumer Rights XXXX XXXX, I am writing to formally dispute the collection account that has been placed on my consumer report by the Collection Agency. I believe that the Collection Agency has violated several laws and regulations, as outlined below : 1. Collection Agency has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) before placing the collection on my consumer report.

2. I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ).

3. The Collection Agency is using false, misleading, and deceptive means, which violates my consumer rights.

4. The Collection Agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures, as stated in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

In this dispute letter, I want to make it clear that I am disputing owing any debts to the Collection Agency. Furthermore, I am revoking all rights for the Collection Agency to communicate with me through email, text, or calls.

I am requesting the following information from the Collection Agency : 1. Debt validation for the alleged debt.

2. The purchase agreement between the Collection Agency and the original creditor.

3. Proof of the Collection Agencys licensing and bonding.

I expect a prompt response from the Collection Agency regarding this dispute and the requested information. Failure to comply with the relevant laws and regulations will result in further action to protect my consumer rights. 

Sincerely, XXXX XXXX
Product: Debt collection

2021 I.C. SYSTEM, INC Account XXXX This was paid to creditor directly
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft because someone unknown has been using my name and information and opened accounts. I reported to the FTC and to the creditors but the creditors do not remove the accounts that are not mine
Product: Credit card

In XXXX XXXX XXXX  my card was lost or stolen and used. I reported this and my issue is that my credit was immediately ran by the credit card company and my limit was reduced. This was not resolved as I left the country. I spoke to them again this month XX/XX/2023 and they immediately ran my credit again and reduced my limit. This is beyond an abusive and unfair banking practice. The left of my card and use should not be used against me to run my credit report both times that I contacted the company about thr same charges from XXXX and a limit reduction take place. I'm still awaiting the resolution and credit for these charges as well.
Product: Mortgage

I was in the HAMP modification starting XX/XX/XXXX. Part of the program involves the issuance of incentive payments to the borrower. XX/XX/XXXX, the department of treasury issued a new bonus incentive program for borrowers who had successfully remained in the program for 6 years. [ Treasury Supplemental Directive 15-01 provides that borrowers with GSE HAMP Loans are eligible to earn a {$5000.00} pay for performance incentive as of the sixth anniversary of the HAMP trial period plan effective date ( Sixth Anniversary Date ) ]. The servicers were required to notify borrowers of their eligibility for this bonus within 120 to 60 days of their anniversary date. The problem is that Greentree/Ditech sent me a letter dated XX/XX/XXXX that was received XX/XX/XXXX, less than 30 days before my anniversary date. Prior to the receipt of this letter, around XX/XX/XXXX, I had called Greentree/Ditech and asked them if their were any incentive payments due on my account. I was told " No ''. Based on that information I proceeded to close on a refinance that funded on XX/XX/XXXX. I 'm now being told that I 'm no longer eligible for the incentive bonus because of that refinance that could have been avoided if Greentree/Ditech had fulfilled their obligation to inform me of my rights in a timely fashion as was their duty.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX WAS PAID IN FULL IN THE AMOUNT OF {$24000.00} ACCT # XXXX DATE OPEN XX/XX/2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted XXXX  and Transunion and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.