23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a call and voicemail from an unknown number. The message left regarded a civil suit and charges pressed against me along with a case reference number. I returned the call with the case reference number and was told that a judgement was about to be placed on my credit for 10 years and wages garnished from my employer. The collector knew the name of my employer. The debt had been from Capital One in XXXX. The representative XXXX XXXX told me that the account had closed in XXXX with a balance of XXXX but with legal fees they were attempting to collect over XXXX through wage garnishment or I could make a plea to settle. After being placed on hold several times i was told that I could settle out the original debt without wage garnishment or a judgement against my credit. Suspicious of fraudulent activity I asked for credentials. The representative sent me to a website XXXX had me click on the business tab and type in XXXXXXXX XXXX XXXX. The address was in XXXX California which the representative was able to verify. When I asked why I hadnt received anything in the mail he said there was an attempt to serve me at my address from 10+ years ago that had failed. I asked for further documentation to include the paperwork for serving and an itemized report and the man told me that those items are inaccessible because they are in a discovery file and I would only be able to see those if I go to court. I then asked why this is the fist time I am hearing about this at my phone number and nothing has been sent to my current address. The representatives response was that they had to be granted access to my updated personal information from a magistrate. I attempted to settle the debt by agreement via emailed docu sign and providing the representative my credit card information. My credit card was denied twice for suspicious activity. So, I provided another credit card number and it was also denied for fraudulent activity. The representative told me Id have to call the back of my card and approve the transaction and call him back to settle things out. I did so. I received a receipt and what appears like an official legal document that includes my old capital one account number and the amount Id settled for. However, the docu-sign drafts were addressed to a XXXX XXXX and the charge on my credit card was not to XXXXXXXX XXXX XXXX  instead bookkeeping accounting. Im very concerned about the information I provided this person, the amount of information the person had about me, the fact that my credit cards flagged the charges for fraud, and the attempted debt collection through wage garnishment without documentation provided to me.
Product: Credit reporting

While going through the process of a 8 year divorce, I had relinquished my home at XXXX XXXX XXXX XXXX, Ca to the mother of my children. Court documentation stated that she had full custody of my children ; additionally, I wasnt abreast of their activity, nor was I granted any visitations. I extended the business to continue the last contract up to XXXX upon which all funds received went directly to her to a bank account that I had know access to. I recently checked my credit and found that in XXXX, XXXX and XXXX several liens were placed on my credit unbeknownst to me. My address has been in XXXX XXXX for the past 6 years. The updated status of these liens have apparently been satisfied/released and this has caused more of a hardship upon me to function in todays economy. I have know knowledge what these were placed on my credit for, for I havent been in contact with her and I still have to go through her if I wish to speak to my now XXXX XXXX XXXX son. I feel that due to her knowing my personal information, that my name and information was used in of hers for whatever these liens are applied to. I need to see proof of my acknowledgement, signature, etc ... something showing that i was aware or responsible for any of this.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX, XXXX XXXX of XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a case of identity theft and notified all creditors on my report. I received a response back from XXXX  XXXX XXXX stating they will be removing the account from credit reporting agencies. I sent a copy of this letter to all three credit bureaus by Certified Mail. In the letters I requested the deletion of the account, per the promise I received from XXXX  XXXX XXXX. It is now XXXX and XXXX  XXXX XXXX, Experian, and XXXX have failed to delete the account. I sent a similar letter to XXXX, and the account was promptly deleted. The law dictates that all of my consumer reports have the same information and be identical to one another. I am requesting Experian and XXXX to follow suit with XXXX in deleting this account so that all of my consumer files are the same. I have attached the letter from XXXX  XXXX XXXX and the deletion from XXXX to further expedite this request. I pray that Experian and XXXX acts in good faith to ensure this account is removed promptly. It is considered inaccurate information and is damaging my credit file. Thank you.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed that your company is violating my consumer rights by still reporting a charge off account that has been canceled to my credit profile. Per the IRS, once the account has reached a charge off status, and the lender has filed it on their taxes as discharged debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumer 's report as debt.
Product: Credit card or prepaid card

In XXXX of XXXX, I received a billing snapshot from New York & Company, Comenity Bank for {$37.00} via email. I contacted Comenity bank 's customer service and informed them that the charge was fraudulent. I was advised by the Comenity rep. that the card would be canceled and that a fraud investigation of the charge would start immediately. The representative disconnected the call without providing me with a reference number. I received another email snapshot from Comenity Bank on XX/XX/XXXX for a past-due bill of {$37.00} plus a late fee. I contacted the organization again and was advised by a representative that the fraud investigation takes up to 90 days and during the investigation, I will continue to receive monthly snapshots of the disputed charges. 

I called back on XX/XX/XXXX and spoke with a representative who transferred me 3 more times. I was told by the 4th representative to contact the collection department at XXXX. I called the number, and the representative in the collections department informed that he was unable to assist and redirected me back to customer service. I didn't get any assistance from the rep. so I asked the last rep. that I spoke with to mail my statements from XXXX. I received only one statement for XX/XX/XXXX. I tried to access my online statements to no avail. I have requested a password reset link several times and did not receive a link to reset my password. Comenity Bank has been sending late payment reports of the charges to all 3 credit bureaus without proof that the charges are accurate and refusing to communicate their findings with me. The negative reporting to the credit bureaus is taking having a financial impact on my growing power. Your assistance in this matter would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

Good day, Thank you for taking the time this complaint further to Celsius debacle.

The lack of transparency from Celsius and the blatant lies from its founder XXXX have led me to deposit my Bitcoin assets on a Celsius wallet, with the conviction I would be able to withdraw them whenever I wished to do so. 
While their Terms Of Services specified the assets held on an Earn account were the property of the Celsius platform, the funds on a Custody account were supposed to remain the property of the depositors, hence the possibility to withdraw them at any given time. Neither the market fluctuations, not the poor risk Management, or whatever other unacceptable excuses their Counsel can come up with, can go contradict their clear Terms Of Services. 
I exactly have XXXX BTC held on a Custody wallet and from XX/XX/2022, I have not been able to withdraw them. 
This goes exactly against their own Terms Of Services. 
The difference between an Earn account and a Custody account is also emphasized in the way the portfolios are displayed on their mobile app. Misleading the depositors a bit more. 
Thank you for your help as I am XXXX XXXX and stressed to recover my Bitcoin which I was promised were safe and easily accessible. 
Truly Yours,
Product: Checking or savings account

On XX/XX/XXXX I downloaded the usaa mobile app and uploaded a XXXX check. The app told me 72 hours before I received the funds and then When I called 72 hours later they told me 6 days instead and I sensed they were trying to steal the money and claim they were holding it Incase it bounced. My employer and I waited for the funds to be deposited and they kept holding onto the funds trying to steal the funds because it came from an international bank. I would like them to correct what they did to the account and give me my funds back.
Product: Credit reporting or other personal consumer reports

i noticed 4 years ago I have credit card and other debts that I do not recall opening after sending in disputes to have companies send in verification and validity of debt, they failed to provide that information. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leave it inaccurate or unverifiable accounts unresolved. The Customer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleged, systematic issues such as failing to forward consumer provided evidence to furnitures, accepting, unreliable, responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my Credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experience in action, violate federal law, and my rights as a consumer.
Product: Credit card

My Walmart store card was lost and used without my permission. I did not participate or receive any goods or services so I filed a fraud claim with Synchrony Bank and I received a fraud investigation form and was told it would be investigated. I completed the form and sent it in and received a letter confirming the fraud had been investigated and they found my fraud claim to be valid after they researched it and looked into. So I received a letter saying that they had researched it and found in my favor and all fees and charges had been credited back to my account there was an adjustment done for like XXXX and something or like XXXX and something for the fraudulent charges and I paid the remaining amount that was due on the account, now all of a sudden after telling me that I was not responsible after they investigated and even sent me a letter to confirm I was not responsible after investigating they came back in to my account and charged the charges back to my accounfter they told me that I was n't responsible. So I called and spoke with an account manager who is now claiming there is nothing she could do. Why did you send me a letter confirming I was not responsible after you investigated and now all of a sudden you are saying that I am. Why send me a letter saying I was n't responsible and then say I am. I have cooperated and done everything they asked me to do.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes. These failures align with my experience. XXXX, XXXX and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple accounts on my credit ( all three credit bureau 's ) report that do not belong to me, I have tried many times to get this corrected directly with the companies, but have had no luck doing so. I have the details that report to my credit and that is it, I have listed below. 

Accounts XXXX ) XXXX XXXX XXXX Account number # XXXX opened XX/XX/XXXX Balance {$5500.00} XXXX ) XXXX  XXXX Account # XXXX Amount {$4300.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX Amount {$1300.00} opened XX/XX/XXXX I ALSO HAVE AN INCORRECT PAYMNT HISTORY TO THE ACCOUNT BELOW, THIS ACCOUNT IS MINE BUT I WAS NEVER LATE. I DID DO A PAYMNT DEFERRAL WHEN COVID FIRST HAPPENED XX/XX/XXXX AND I WAS ADVISED THAT THE PAYMNT WOULD NOT EFFECT MY CREDIT AND IT WOULD BE PUSHED BACK UNTIL THE END OF THE LOAN. COMPANY INFO BELOW AND ALL LATES THEY HAVE REPORTED AND THEY ARE ALL WRONG Account Name XXXX XXXX Account # XXXX Opened XX/XX/XXXX limit {$20000.00} Balance {$12000.00} They have reported my late on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXXThis is all wrong and should not be reporting this way~
Product: Debt collection

XXXX XXXX XXXX was paid by car insurance claim in which I was in a car accident in which is to be paid by the person at fault in the accident and I had uninsured insurance as well so I don't no why XXXX XXXXXXXX XXXX has not been paid considering all my other bills have been paid by the insurance company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX **************** {$380.00} XX/XX/XXXX XXXX XXXX {$250.00} XX/XX/XXXX AFFIRM XXXX XXXX {$100.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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

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. The letters are stated with items and issues. 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 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. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting false information about me and their negligence is preventing me from obtaining credit due to this serious error.
Product: Credit card

Completed a dispute by mail form but no acknowledgement from Capital One. I am hearing impaired and have no other means to contact them. No online chat or secure email to the. Noticed an email in my spam folder about this account statement due so I logged in. Have not used the card and can not find the card so it is STOLEN/LOST. I locked the card when I seen the account was breached. Dispute and send new cards please.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I see 2 hard inquiries appear on my credit report instead of one from XXXX. I believe that one of them is a duplicate inquiry. Please help me remove them from Experian report.
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, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$4600.00}
Product: Mortgage

I applied for an SBA loan with BBT ( TRUIST ) bank in which I have been a customer for over 25 years. 
The application started in XX/XX/2023 and Credit report was pulled. I was called back in May to fill out additional paperwork. 
XXXX I was told I would need XXXX down towards the loan which is 10 % on an SBA loan and I provided that. A couple days later I was told that I needed XXXX and I provided that as well. 
In XXXX we had a discussion during a phone call, they stated they wanted to see what I look like, so they scheduled a XXXX meeting. XXXX XXXX, XXXX XXXX and myself were the only attendees. We introduced ourselves chatting about family and also discussed the project. Things seemed to be going well. 
XXXX I received an email from XXXX XXXX stating that he is just now getting to my loan and he wanted me to resubmit my application. I was told to sign everything, but don't date them, which I thought was strange. He gave me 7 credit items that needed explanations. I was unaware on any items existing on my business report. All items were explained and he was ok with it. 
I asked for an update, XXXX XXXX sent me an email in XXXX stating he was leaving Truist and my loan package was sent to XXXX XXXX and XXXX XXXX. 
Now I started my loan application in XXXX and I am still in limbo in XXXX and I have lost a lot of clients due to the negligence from Truist. I really felt mislead and that this was going down the wrong path. 
XXXX I contacted an SBA representative ( XXXX XXXX ). I told him about my situation and he tried to look me up in their system and I didnt exist. This was very shocking to me. I have wasted a whole year with this loan application and followed the correct steps and my Loan application didnt exist. XXXX scheduled a meeting with the bank representatives. I was included in a phone meeting and XXXX was the mediator. They stated I had 2 things on my credit report that needed to be removed. 
One item was a quick payoff and incorrectly reported late payment. I should have known about these items in XXXX or XXXX which could have helped. 
XXXX we had another meeting where they denied my application. I was told to seek another lender. TRUIST has done 5 HARD Credit PULLS to XXXX which has lowered my score. I am very hurt from all of this.