23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is really alarming, I recently checked my credit report and I have found numerous credit inquiries which I believe to be fraudulent as I neither recognize them nor have applied to them. It's giving me undue stress and XXXX  as I might already be a possible victim of identity theft, these seemed to have been done online and I'm still wondering how these companies managed to access my credit report and you placing this on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Credit Report was accessed for XXXX Purposes by the Transunion reporting agency without my authorization and permissible purpose on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have sent correspondence to the responsible party on what my requests are.
Product: Money transfer, virtual currency, or money service

Today on Monday XX/XX/2022 I purchased XXXX at a XXXX ATM machine and gave my XXXXXXXX XXXX  address connected to my binance.us account. 

The transaction appears as a Failed XXXX XXXX in my binance.us account. 

I have reached out to XXXX who told me my transaction was completed successfully on their end. 

This is the second time Binance.us has not processed my deposit, leaving me unable to access my funds. 

Binance.us account information : Name : XXXX XXXX Email : XXXX Binance.us ID : XXXX
Product: Credit reporting or other personal consumer reports

A few years ago I was a victim of identity theft and a fraud alert was placed on my consumer report. Someone I know told me that they came in contact with someone that created a XXXX XXXX XXXX and was able to purchase over XXXX credit files which includes people personal information that they will use for identity fraud. I believe that there is a law that speaks on any unauthorized use of your personal information by any one which includes data furnishers, without your written consent is constitutes as Identity Thef. On XXXX XXXX XXXX  correspondence was sent to these companies as it relates to them not furnishing, selling or sharing any information that they obtain on me with no Banks, XXXX XXXXXXXX XXXX XXXX or other XXXX XXXX without my written consent. I was not satisfied with the non-response from these companies.
Product: Vehicle loan or lease

I have a question about the MLA. I couldnt get gap insurance apparently. So now I have to pay out of pocket for whats left on my Car note. Im not understanding this at all. Who do I need to talk to about this situation
Product: Student loan

I signed a private student loan contract with XXXX in XXXX of XXXX when I was XXXX and had just graduated high school. The student loan dispersed in XXXX of XXXX and XXXX of XXXX. When the loan was signed I was informed that there were no other options available, including being told that the government would offer no assistance. I declined a federally subsidized student loan at a lower interest rate to sign off with the XXXX private student loan. They rushed the process and brought my family in as co-signers on the loan without providing all the information. 
In XXXX my loan was sold to Discover Student Loans. 
I have made payments over the twelve years totaling {$15000.00} on a loan that was for {$12000.00}. I continue to make payments of between {$50.00} to {$100.00} a month and the loan will be paid off in 20 years according to the company. When I asked XXXX about why I would be pushed into a private loan instead of a federally subsidized loan they told me that they could not provide any information and that I lost my opportunity. This loan has damaged my credit, the credit of my family member and caused stress in monthly finances of my family. The loan was predatory from the beginning but only recently have I come across all the information that was denied me at the time of the signing.
Product: Mortgage

I was on a forbearance program to help catch up with payments of {$200.00} However I was overpaying my agreed amount to avoid any extra fees, There is one payment in XXXX of {$1400.00} and another in XXXX for {$200.00} that was paid but never applied. There were many other payments in XXXX that have not been posted as of yet, and the statement on the lenders ' website has incorrect last payment dates.. 

I have reached out multiple times and sent emails to resolve the issue. However, despite promising to correct the issue, the lender 's statement shows I'm 60 days late, and it has been marked on my credit report. I'm uploading all the necessary documents to prove payments have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX 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 instructions
Product: Checking or savings account

N/A on my account. Ca n't get into it. Ca n't send money
Product: Payday loan, title loan, or personal loan

My significant other and I applied and were approved for a personal loan through XXXX, a division of SunTrust. We used the loan for debt consolidation of our credit card balances, we were loaned {$30000.00} plus {$100.00} doc stamp fee for a 5 year term at 13.34 % interest with monthly payments equal to {$690.00}. The loan was funded XX/XX/18. We made our first payment XX/XX/18 for {$150.00}, which was applied toward interest only, this payment was in excess of the monthly payment which was made on XX/XX/18 for {$690.00}. We made our second payment XX/XX/18 for {$160.00}, which was applied toward interest only, this payment was in excess of the monthly payment which was made on XX/XX/18 for {$690.00}. We then made a payment of {$10000.00} on XX/XX/18, only {$10.00} was applied toward interest the remainder, {$9900.00} was applied toward the principal. The next payment we made was to pay off the balance on XX/XX/18 for {$19000.00}. The principal balance of {$30000.00} plus {$960.00} in total interest has been paid, but this company insists that I still owe them INTEREST towards the loan!
Product: Mortgage

I have been trying to get ahold of LoanCare who services my mortgage for 3 days. I have tried emailing and calling multiple times - every time I have waited on hold for over an hour - elected a call back and have never received a call back. They recently charged me {$420.00} to schedule an appraisal for pmi removal on XX/XX/19 and they said an appraiser would be in contact within 1 week it is now XXXX and I have not heard back. They will not respond to emails or calls.
Product: Bank account or service

I made a payment of {$800.00} on XXXX/XXXX/15. The bank processed this transaction, and it was officially pending on my account. On XXXX/XXXX/15, the transaction for XXXX/XXXX/015 has completely disappeared from my online statement. I call BB & T to see what happened to the payment and the representative informed me that the transaction had been cancelled by the debtor and she proceeded to tell me that this transaction would not be posting to my account because it had been cancelled. I had some other bills due since this transaction had been cancelled I thought I would put this payment off XXXX. I went ahead and paid XXXX other bills and was not concerned about being overdrafted since it was evident that transaction for {$800.00} had not been processed and had been cancelled according to the BB & T representative. On XXXX/XXXX/15 the transaction of {$800.00} had been posted to my account even though I had not been told that there was no way this transaction could post. Now I have XXXX other ACH items out at the moment and once they post my account will completely overdraft. I called a BBT representative again to only be told that there is nothing that they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion File # XXXX Date XX/XX/2018 Personal Information : XXXX XXXX/XXXX XXXX does not show my ( Position ) I'm A XXXX   and attach proof as to TransUnion not putting all the correct information to Personal Information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of Transunion to ignore a consumer 's requests to investigate and correct the information being reported on my Credit report despite the countless dispute letters and CFPB Complaints I have been sending. I have read enough to understand my rights which is clearly being violated by the Credit reporting agencies. Transunion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a home where my parents ( were/on title with me ). My father passed away in XX/XX/XXXX and I was trying to do a modification in XX/XX/XXXX and was denied the modification because his estate did not go through probate. My mother and myself did a quit claim deed from his estate to her and myself and then my mother did quit claim deed from her to myself to be able to clear title issue that mortgage company said we would have. This was not acceptable to them to clear title however when foreclosure papers came it showed just my name as owner of said property. 

I was told that in Minnesota when quit claim deed does not state joint tenants or tenants in common it defaults to tenants I have attached the affidavit of suviorship, quit claim deed and first page of foreclosure information received from Wells Fargo and it clearly shows all transfers done and recorded at county
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the conduct of [ Name of XXXX XXXX XXXX ] under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ) and 1681i ( a ) of Title 15 of the United States Code. On XX/XX/year>, I sent a letter disputing unauthorized inquiries on my credit report and included a copy of my identification as requested. Despite this submission, I received a response asserting disbelief in the receipt of my dispute or claiming inability to identify me. This refusal to acknowledge receipt and properly handle my dispute violates the FCRA 's requirements for accurate identification of consumers and prompt investigation of disputes. I request that the CFPB investigate this matter and take appropriate action to ensure compliance with the FCRA.
Product: Checking or savings account

On XXXX XXXX XXXX an amount of XXXXXXXX XXXX was missing from my account due to a bank error. I called the bank, talked to teammate and over the chat that the bank app provides and none of them gave me a reason why the money disappeared. On the first call the teammate of truist account was really specific on saying that was a bank problem and for me to dont worry about cause the money would return to my account, and probably was just a app problem, but after that all the calls and all the messages they say its a XXXX from XXXX XXXX bank problem. They have the statements and everything but both of the banks refuse to tell me what happened with the money take responsibility for it or give me a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS WAS SUBMITED TO  XXXX SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO  FRAUDULENTLY OBTAIN GOODS OR SERVICES THE ADDRESS USED WAS : XXXX XXXX XXXX XXXX OHIO XXXX PHONE NUMBER XXXX XXXX ) XXXX THIS IS NOT MY INFORMATION
Product: Checking or savings account

I already tried for my refund from wise they send them but the receiving bank reject it because it is named as refund thats why XXXX rejected the incoming funds. Now I am appealing them to send my money back but they are not responding. the Issue started on XXXX XXXX.
Product: Student loan

I seek your help to reduce a debt that has burdened me for 17 years and threatens to burden me for at least ten more my federal student loan debt. I graduated from XXXX College in Maryland in XXXX and in XXXX, began repayment of my XXXX XXXX XXXX Federal Direct Loan with a combined principal of {$44000.00}. In spite of making timely payments for the past SEVENTEEN years, my current principal balance is only {$35000.00} ( as of XX/XX/XXXX ). 

That is a difference of a mere {$9100.00}, or {$530.00} per year for each full year of my payment history. By contrast, I have paid more than {$2500.00} per year. 

Since XX/XX/XXXX, I have worked at a major nonprofit institution in XXXX. Although my employer is a qualified employer under the Public Student Loan Forgiveness Program and I made uninterrupted monthly loan payments during the qualifying period, this is not enough. In an email dated XX/XX/XXXX, I received notification that I do not have any qualifying payments because my repayment plan type is graduated rather than income-driven. The notice explained that I could convert my loan to an income-based option and work another ten years to receive forgiveness. I am a single woman and can not afford to almost double my monthly loan payment under the income-driven plans. 

I was encouraged recently to learn about the Temporary Extended Public Loan Forgiveness Program and quickly requested reconsideration. I understand that the program is for persons who were denied PSLF due to the wrong payment plan and assumed I had a fair chance at loan forgiveness. However, in an email dated XX/XX/XXXX, I was again advised that I do not meet the qualifications because the amount I paid in the 12 months prior to applying for TEPSLF was not at least as much as I would have paid under an income-driven plan. My current monthly payment amount is {$190.00}. The monthly income driven payment amount calculated by Fed Loan is {$380.00}. 

I beg of you, how could I have reached this amount if I was under the graduated repayment plan? This criterion for the TEPSLF continues to punish persons who have been paying faithfully and serving our communities.
Product: Debt collection

on XX/XX/XXXX citizens bank made a payment from my checking account for {$100.00} when my account had {$1.00} in it and then added overdraft charges so that now they say I owe {$230.00}. I went into my local branch on or about XX/XX/XXXX to resolve the issue but they refused to reverse any of the overdraft charges. the problem is that they are making at least 3 automated calls per day to my house.
Product: Debt collection

World Finance is and old account from XXXX XXXXI paid it but it still shows up on my credit XXXX different times. I asked company to delete it from my account or at least stop reporting it all those times.
Product: Student loan

I went to XXXX  XXXX XXXX and they close down my program before I even got to graduate so I didnt get none of my credits so basically it was a waste of time going then I tried to go back and for some odd reason they let me go basically kicked me out And now they want me to pay that as well when I didnt even get to be at the school
Product: Checking or savings account

On XXXX XXXX 2023 I woke up to a charge ( XXXX ) on my account and immediately called Key Bank to ask what the charge was for. They informed me it was a 3rd party phone company and gave me the companies number. I informed Key Bank at that time I was lead to believe I was making a XXXX XXXX bill payment and did not realize I was using a 3rd party company. I get free phone service through the govt and that my bill is only XXXX for my insurance and I made an error not realizing this company was not XXXX XXXX  and that I would like to file a dispute for that charge. I also called the 3rd party number and asked for them to reverse the charge and they hung up on me. I also that day asked for a new debit card as I was concerned this company would take more money out of my account. The dispute was filed and my money was returned to me while the dispute was being reviewed. I also informed Key bank that I didnt receive any goods or services from this 3rd party company and basically I was hustled by a site that appears to be XXXX XXXX Today XX/XX/XXXX I woke up to the charge being reversed and the XXXX taken again out of my account. I called key bank and they informed me they closed the dispute and based it on the information sent by the 3rd part phone company. I was never contacted from the dispute dept on the status, never provided any paper work from anybody and explained that I already told them that I in error gave them my info believing it was XXXX XXXX. They said that they made their decision and I asked why they didnt contact me, provide me with the findings before taking the money from my account and that I didnt receive any goods or services from this company. They did not provide me with any documentation on my dispute until I called to inquire what the findings were and my account being overdrawn. Key bank did not keep me informed about my dispute, made a decision without speaking to me and allowed me as a consumer to be stolen from. I asked to reopen the dispute as I was not protected from a fraudulent charge. I want my money back and Key bank to acknowledge that they also victimized me as a consumer. I explained that my phone is free, I canceled my card as soon as I realized what happened, called the 3rd party company as well and filed the dispute. Never contacted again and a decision was made solely on documentation from the 3rd party that I was never provided with. My dispute was reverted and I was not contacted during the process instead again my account overdrawn. There was no due diligence during the dispute process for me the consumer and cant understand how they came to decision without ever speaking to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX collection account does not belong to me and is fraudulent information that's on my credit report and it needs to be removed immediately because it's violating my consumer rights XXXX XXXX XXXX hard inquiry that on my credit report needs to be removed immediately as well I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the EXPERIEN credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 UNKNOWN ACCOUNT XXXX UNKNOWN ACCOUNT XXXX UNKNOWN ACCOUNT XXXX UNKNOWN ACCOUNT XXXX XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE!!! 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX5 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

I do n't know these companies or debts, tried to reach out to get information on debt but nothing was sent or verified to me, I disputed withXXXX but it comes back as verified but I did n't receive anything, if this debt is valid ( which it should not be ) I did not authorize my personal information to be shared with a third party company I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. I am also XXXX and have been receiving XXXX health insurance such as XXXX and XXXX which was presented as form of payment at every doctor appointment so I 'm not sure why there is even a debt to begin with.
Product: Credit card or prepaid card

I am a self employed clinical social worker in private practice and I accept insurance payments for patients. They insurance company recently started paying me with virtual credit cards, despite not having my own POS system. I needed access to those funds and decided to go ahead and use Squares services and pay Squares fees in order to get paid. 

I had trouble understanding how to deposit the money, and was entering the wrong zip code, which flagged the account for fraud. I was asked to furnish more information which I did-Bank statements ( which I needed to black out in order not to violate HIPAA laws ), New York State License , website, however despite all of this, I was told that my account had been deactivated and my funds in a hold for 90 days. WITH ZERO EXPLANATION. I can not refund the payments because it is a virtual credit card and once the funds are disbursed it is inactive. It seems unconscionable that after taking 3.5 % in fees, plus service charges, Square gets to then retain the fees and hold my money for 90 days.

I spent 30 minutes on the phone trying to get through to someone and the woman XXXX refused to let me speak to internal affairs, nor would she give me an explanation as to why my account had been deactivated and my funds frozen. I am a small business, I pay quarterly taxes, and having upwards of {$6000.00} held for 90 days is a major hardship for me. I was in tears on the phone and the womans response was I have a family too, I cant let you speak to anyone else.

Nowhere in the terms does it say we wont accept health insurance virtual payments. In fact it says that prepaid cards are accepted. 

This seems like an incredibly punitive way to treat customers, particularly after I gave up highly sensitive information to prove the eligibility of my transactions. There is no one working with me, no one talking to me, its all being done online in a very furtive and covert way, and the customer service rep I reached on the phone would give me zero information or support. She eventually told me she was hanging up since she had already told me three times that there was no one else I could speak to. 

I am appealing to you to review my case and release my funds before the 90 days. I gave up all the information requested of me, I am a licensed clinical social worker with the state of New York, I dont understand how much more eligibility you need from me to prove the authenticity of my charges.