23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Pressler and pressler of XXXX Nj have taken from my bank account almost {$3000.00}. They have taken out money which they have no recollection of. They have no documents of the funds taken out and have asked me to find the proof they took it out. I called my bank which they clearly see pressler and pressler are the ones who took out my money. They have wiped out my account one week before XXXX. Please help me. They have been causing me nothing but stress the past 3 years. I do n't even get notices from them. When I called them after they took the last of my money again they gave me an address I lived at ten years ago!!! They were n't even sending the notices to my current address!!! The funny part is that they had my current address. It seems like they were purposely sending to my old address to have full power on knowing they will be able to clean out my bank account. I 'm a single mother and work XXXX hard to have these scam artists take my money!!! Please Help me.
Product: Credit reporting or other personal consumer reports

While reviewing a copy of my credit report XXXX XXXX XXXX I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference numberXXXX XXXX XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Product: Money transfer, virtual currency, or money service

In XX/XX/2024. I notified Zelle that I transferred {$190.00} to my friends account by her cell phone number. Using the XXXX XXXX  on XXXX. I transferred the money, she told me her account was hacked by a family member that has a criminal record for theft. She notified Zelle months prior that her account was hacked but they did nothing about it. When I notified XXXX sent XXXX email that said they will look into this and nothing happened.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$24000.00}
Product: Credit card or prepaid card

My account was closed without notice and when I called into the customer service department I was advised the explanation would be sent via mail in 7-10 days. I am due a rewards balance of {$170.00} and was told I would not receive this because my account is closed.
Product: Mortgage

We bought XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX in XXXX XXXX. In XXXX of XXXX we had a major flood. We were not in a flood zone.Had over XXXX ft. Of water in our home and had to get taken out by boat. Town said it was a once in a lifetime event. Due to having no flood insurance ( not required, not in flood zone ) we had to drain my retirement over {$30000.00}, took out home equity line, and got loan through FEMA for {$51000.00} for repairs. We were then required to get flood insurance to receive this loan. For the next 4 years there were no problems. So we now believed this was indeed a freak thing, and we decided to expand and improve our home thinking that this was going to be our long term residence. We added a master bedroom, updated kitchen, new deck which we began work on in XXXX, XXXX and was completed in XXXX XXXX. In XXXX of XXXX we got hit with another devasting flood and 2weeks later were again hit with major flooding. Due to this hard ship we tried to remodify our loan. We were put into a trial basis in which our monthly payment was lowered and which we continuosly payed ontime.we had sent in paperwork after paperwork which had been lost or was needed again after again for a different case worker. We decided we were going to sell our home through a short sale. We had origanaly purchased the home for {$420000.00} and put down {$100000.00}. But with the new loans that we took out and with the issues of flooding we owed around XXXX to the banks.The bank set a price of {$240000.00} as the short sale price. There was an open house and there were offers from XXXX people! But the bank now decided to up the price to {$300000.00} after we got all those offers. It was then found out that our lender Citi mortgage was XXXX on the title and citizens bank was XXXX. They could not resolve this issue and we had to go back and forth to court for over a year. Due to all of this. The short sale which should of been resolved in XXXX was not resolved to almost three years later in XXXX. We had never missed any type of mortgage payment. But when we decided to to short sale the home, we were told by Citi mortgage we could not make any payments if we wanted to short sale the house so we felt we had no choice. Also when we decided to short sale we did not know how long the process would take and we were also not comfortable living in the home with our kids worrying about flooding so we rented another home In XXXX XXXX to the presence. We feel that all this time lost due to no fault of our own has prevented us from purchasing another home. We have contacted Citi Mortgage numerous times to ask them to remove the short sale from our credit reports without any response! We have never missed any type of payment except that which Citi would not take. Our credit is prefect except for the short sale.We can not find rental housing in our own community and have been commuting our daughter to school. We truly hope that you can help with this situation. 




G
Product: Consumer Loan

I purchased a car XX/XX/XXXX XXXX very over priced ), Not understanding my rights or anything about buying a car. I paid {$2500.00} down, then {$500.00} XXXX deferred remainder of down payment XXXX two weeks later ; then started making payments of {$570.00}. per month starting two weeks after the {$500.00}. A month after the first payment was made the car broke down, I called the dealership and explained to them I was n't going to be able to make the {$570.00}. payment and pay to fix the car. They told me not to worry about it, they would help me make arrangements, two days after speaking with them they reposed the car. And refused to speak with me anymore. Years passing I got informed VIA my credit report, I had judgment against me. They 're taking 25 % of my wages, I 'm a single mother XXXX, with very little funds to begin with. I feel like they really took advantage of me and has possible done it to others.
Product: Credit card or prepaid card

Per my last complaint # XXXX Regions Bank stated that they would amend my credit score due to their incorrect charges from a closed account. On XX/XX/20 the amendment went through. On XX/XX/20 a letter was sent to me illustrating that a maintenance to the consumer credit reporting agencies to remove the reported late marks was issued and signed by XXXX XXXX. On XX/XX/20 XXXX delinquent account charges reappeared on my credit score. This institution continually promises action and fails to follow through. To date, I have only received on letter in the mail from the institution about this issue and have never received any information allowing me to follow up on the credit score amendment. They have failed to send me documentation such as a reference number or website to review the actual amendment. This has been ongoing since XXXX as illustrated in the previous complaint listed above.
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. 

Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX : Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  XXXX  : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.
Product: Mortgage

Mr. Cooper mortgage 's customer service number does NOT allow me to speak to a live rep. It puts you into an endless loop with their automated system. I need to speak to someone. This needs to be resolved.
Product: Checking or savings account

On XX/XX/XXXX, my kid got my cell phone accidentally sent a wrong payment information, and I don't know. 
On XX/XX/XXXX, I received the letter from The XXXX Bank just know, because there isn't enough money in check, will be deduct {$39.00}. Then I open the account, check into my check acount, the {$78.00} money is buckled,. 
On XX/XX/XXXX, I go to the The XXXX Bank XXXX XXXX XXXX bank branch, explained what had happened with them. 
They were very unfriendly to me and told me that {$78.00} was overdraft fee, but they didn't pay my bill, they just refused the payment request, why they had to deduct the money in the customer 's check without informing to the customer, they didn't do anything, they even didn't inform me, then my money was gone!! Can you think of the day when your bank account is deducted without notice? 
They told me there was a notice when I signed the contract, I had the signature, I asked them to bring out my signature paper, they didn't have any, and then found some paper for me, in a pile of very small words can not see! I asked them do you explain the terms of the contract to the client? They say they can watch it!! They deducted the money from my bank without any notice in 8 days!! This is very unfair to us, we can not make a decision with our own money, wake up as someone else 's!!
Product: Credit reporting or other personal consumer reports

I'm personally disputing late payments on my credit report. I discovered these entries upon reviewing my records. Despite sending inquiries over a month ago, I've received no response or proper validation. I'm requesting your help to resolve this issue quickly.
Product: Credit reporting or other personal consumer reports

I recently checked my XXXX credit report and realized there was an account from Flagship Credit Acceptance ( FCA ) that didn't belong to me. It's labeled under my " installment loan '' accounts for an auto loan. I called XXXX to get the account and phone number for that debt. After that I called Flagship Credit Acceptance to figure out what's going on and how this mistake could have happened. 
While on the phone with customer service at FCA they advised that this debt belongs to an individual named " XXXX XXXX. '' My name is XXXX XXXX, so this was obviously a reporting mistake/error for an account that has nothing to do with me. 
After learning this information I checked my other two credit reports from XXXX and XXXX and confirmed that this error was not reporting to either of my other two credit bureaus. 
I've never had any auto loan with Flagship Credit Acceptance and should not have any account from them reporting to my credit report.
Product: Money transfer, virtual currency, or money service

Had Money In My Cashapp Acocunt Contacted Then When I Seen Over Half Of My Money Was Gone Called Them They Wouldnt Give Me Any Info
Product: Student loan

This complaint is a separate issue from my complaint filed on XX/XX/XXXX Complaint # XXXX I consolidated my federal student loan with LendKey on XX/XX/XXXX. During that time, my loan servicer was XXXX. I owed an amount of {$210000.00} to pay this loan in full. During the period of consolidation, Lendkey provided a payment amount of {$220000.00} to complete my private loan consolidation. This amount is {$5300.00}, over the amount required to pay off my federal student loan. When I asked Lendkey why they submitted the payment at a higher amount. I was told by LendKey customer service support that the additional fund was to ensure that any accrued interest was paid off.

1. My first concern is that all interest and payments on student loans are paused thru XX/XX/XXXX. Therefore there was no need for Lendkey to make this overpayment amount of {$5300.00}.

COVID-19 Loan Payment Pause and 0 % Interest In response to the COVID-19 emergency, we paused loan payments and set interest rates to 0 % for eligible federal student loans. On this page, you can find out if your loans are eligible and how this relief affects your loans. 

Student Loan Payment Pause Extended The student loan payment pause is extended until the U.S. Department of Education is permitted to implement the debt relief program, or the litigation is resolved. Payments will restart 60 days later. If the debt relief program has not been implemented and the litigation has not been resolved by XX/XX/XXXX payments will resume 60 days after that. We will notify borrowers before payments restart. 

COVID-19 Emergency Relief and XXXX XXXX XXXX XXXX. The additional {$5300.00} was applied directly to the principal balance ; no funds were transferred to me to fund the loan consolidation for the overpayment. 

3. I applied for forbearance in which {$530000.00} overpayment funds were not credited as ( 3 ) payments to my new consolidation loan payment, for which my standard payment amount is {$1700.00}.

4. Lendkey refused to approve my forbearance application because they stated I must make a minimum of 6 payments, in which I was not given credit for the {$5600.00} amount, which would equate to ( XXXX ) standard payments plus the payments I made on the account for the following months of XXXX, XXXX, XXXX, XXXX, and XXXX. 

5. Lendkey essentially added {$5300.00} to my loan consolidation and did not provide me payment credit for the amount applied to the principal balance in which there was no additional accused interest because all Federal Student loan payments and interest are suspended thru XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to investigate the following account Account # XXXX Account Name : CITI Bank I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported Once you have finished your investigations, send me an updated credit report to the address stated above, Thank you.
Product: Credit card or prepaid card

XXXX XXXX ( AKA " XXXX  " ) HAS BEEN STEALING MONEY FROM MY PAYPAL ACCOUNT!!!!!!!!! AGAIN!!!!! NEW STEALING BY XXXX HAPPENING THIS YEAR!! ( 2020 ) Dear CFPB - I have to keep this brief - because I am suffering from problems with my XXXX!!!! & because I need to write other letters to other people about other things! I have filed more detailed complaints about XXXX before! I will file more detailed complaints about XXXX later! For now - I need to keep this short! 


I cancelled XXXX XXXX so-called " service " months ago! I made it clear that they were NOT - repeat! NOT!!! allowed to take any more money from my accounts! 


Apparently - - - XXXX  used a different merchant id to steal more $ $ $ from my account!!!!!!!
Product: Debt collection

I requested XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX to stop communicating with me. They continue to call me and send me written communications. XXXX XXXX services is not licensed to collect debts in XXXX XXXX XXXX. Further more per XXXX XXXX XXXX law the statute of limitations of debt collection in XXXX XXXX is three years. Per information reported by XXXX to XXXX and other credit reporting agencies the alleged debt was opened XXXX and is over XXXX XXXX XXXX therefore can not be collected per XXXX XXXX XXXX law. I requested account be removed via XXXX XXXX complaint and XXXX XXXX services is still illegally reporting and actively trying to collect a collection account on my credit and contacting after I have requested not to be contacted.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, which I do not understand. When I checked it, as I usually do, unexpected discrepancies appeared. Even after refreshing my browser, hoping it was just a glitch, the unauthorized inquiries persisted. I am deeply disappointed and request that the documents I provided be thoroughly reviewed so I can stop worrying about this.
Product: Mortgage

I was applying for re-finance for 15-20 yr. mortgage from Wells Fargo . the Principals I dealth with were XXXX XXXX, XXXX XXXX XXXX and and complaint dept. rep. XXXX XXXX XXXX XXXX. Interaction begain by phone starting around XXXX XXXX XXXX-XXXX XXXX. After paying {$540.00} home inspection for XXXX XXXX XXXX ( later re-funded after filing a despute ) the home has been financed thru Wells Fargo for past 10 yrs. we were advised by XXXX and XXXX that we were " near approval by the underwriters '' but would need to pay off several consumer accounts, they were specific about which ones to be retired totalling approx. {$2000.00} worth of payoffs which we did, only to be told finally that we could not be approved BECAUSE we did not show the above home as our residence on our filed income tax. At no time in the proccess were we told this would be a requirement! Please note that my drivers lic. does show the above is my legal address. We are an XXXX family and I am aware that this institution has a history of financial abuse toward minority clients. The re-fi was not approved.
Product: Debt collection

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and l notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : Account Number : XXXX Balance : {$750.00} XXXX  Account Number : XXXX Balance : {$750.00} XXXX  Account Number : XXXX Balance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX