23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report including my signed signature saying I agreed to the contract that your trying to collect.Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Product: Payday loan, title loan, or personal loan

In XXXX of 2022 I purchased a spa from XXXX XXXX in XXXX, CA. The salesperson notified me that their partner Greensky, offered an interest free loan as long as the loan was paid off in 12 months. I signed up for a loan from Greensky and purchased the XXXX XXXX. From XX/XX/2022 to XX/XX/2022 I made the minimum payment on the loan and in XXXX of 2022 I paid off the loan in full. However, I noticed that Greensky was charging me approximately {$86.00} in interest each month during the time the loan was active. This accumulated to {$430.00} in interest fees for a supposedly " interest free '' loan. I contacted both Greensky and XXXX XXXX, each of whom claims the other party is responsible for the supposed miscommunication that the loan was not interest free. I consider this an incredibly deceptive practice, as their sales persons were lying directly to me, with Greensky being complicit in this practice.
Product: Money transfer, virtual currency, or money service

we are a small business and recently had a email fraud committed at our account. We discovered that we had transferred a significant amount to the fraud U.S Bank account.

As soon as we discovered, we filed complaint with the FBI and was able to freeze the accoun and the funds. Now the funds are at the U.S Bank and we inititated the recovery process. Inspite U.S Bank confirming that a ) the bank account is fraud and b ) the funds are frozen and still at the fraud bank account, are not returning the funds. It has been almost 2 months and the U.S.Bank refuses to remit the funds bank.
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 : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have been disputing with XXXX XXXX XXXX and they have not opened an investigation on this account at all. Equifax is in clear violation of my consumer rights and not honoring the FCRA rules regarding timely investigation. Attached is proof of my disputes that have been sent to Equifax since XX/XX/2021. At this time I am requesting complete removal due to passing timeframe of investigation results.
Product: Mortgage

I used Essex mortgage to buy my home in XXXX  in XX/XX/XXXX. At that time, I used a lender and not them directly so my closing went very well and the loan was completed in a timely manner. After closing for some reason, Essex decided to repull a flood cert even though the flood cert says " life of loan '' and then added lender placed flood insurance to the tune of {$2700.00} ( I have since received a quote for {$800.00} ). I am in the middle of a refinance with the same lender that helped me originally. The payoff is showing a negative balance because of the flood that I don't need. I have a current flood cert from the refi also showing I don't need flood insurance. Myself and my lender have called into this company about XXXX times over the past week asking for an update as I am now having to pay rate lock extension fees due to this and every time I call in they tell me there are no notes and no one knows what is going on and I have to start over. I have verbally confirmed with them XXXX that they received the email sent on XX/XX/XXXX with both flood certs attached. I was then told the turn time was 24-72 hours. I was never contacted during that time and reached out a few times and no one seemed to know what I needed done. Today, XX/XX/XXXX I was told its XXXX business days which we are also past but still nothing was resolved. If the flood cert is good for life of loan why this was even repulled is a question and why no one seems to be able to resolve anything is also a question I would like answered. No one will provide last names, emails or phone numbers to call back to. I apparently am supposed to call the call center and ask for " XXXX '' and will be transferred. I can not get anything about this in writing from them. They are now messing up my refinance and costing me money for a mistake they made and can not seem to fix.
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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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

I dont have all the specific dates but this specific complaint is about accessing the website. Every time I try to login, the website says that my password is not recognized. Then I have to reset the password which has been approximately XXXX times. Recently, I had to reset my password and the temporary password they sent did not work. I tried again and it failed. I cant even access my account online to do anything. I have emailed them multiple times and explained to them on the phone about their website but its not getting anywhere as they have yet to resolve the issue. I have read online that many other people are having the same issue and cant access their accounts.
Product: Checking or savings account

Horrible company, that do not take your money serious! 

I have never ever send money with XXXX XXXX ( only recieved ) One day i see my money on my bank account is gone. 

There was several Charges, from XXXX, to XXXX and XXXX. I DID NOT USE ANY OF THESE MONEY, I LOST THOSE MONEY DUE TO USAA! 

I had for a long period of time a girl living with me. Her name is XXXX XXXX. 
On XXXX transfers, you can see her name on my bank statement ( XXXX XXXX XXXX XXXX. 

So i assumed she had something to do with it. I trusted her she was good friend, but what i didn't know was her history as Fraud specialist. She have seen my card numbers several times, due to my wallet always laying around. She had access to my phone, since i trusted her.

She have over several months transferred and use my card numbers to XXXX rides and cash app. Not only one time, but many time over 3-4 months. When i checking her background on XXXX XXXX, i see that she have several charges regarding fraud. 

So i would like to know, who i can contact from XXXX XXXX that can confirm it was me, sitting behind the screen and made a money transfer? Or do they have XXXX footage they can check and see who was at the store and send the money? I would like a copy of their rapport. Because it was not me, who did it for sure. 

It's not fair that you gon na shut down my account over something i didnt do.
Product: Money transfer, virtual currency, or money service

Hello, I had my Wise account deactivated on XX/XX/2022, I had XXXX in my Wise account. On the same day, I submitted an application for the withdrawal of funds. Now I am very worried about my money, there is a war going on in my country and a very difficult situation, and I am afraid that it will not be returned to me, I looked at many reviews about Wise and found out that they do not refund their customers. I have proof that there was money in my account, I took a video on the day my account was deactivated, I also have a XXXX correspondence with Wise himself, and a statement from my Wise account. Please help me get my money back. Currently, I only get promises that my funds will be returned to me and that they are safe, I am sure that they are scammers and want to profit from innocent people, and return funds only when a complaint is written against them. I really hope for your help, thank you very much in advance.
Product: Debt collection

XXXX at Integrated services XXXX ext XXXX called my employer to verify employment and told my employer that they needed to verify my hours so they could send someone to serve me with a summons. This is after I had told them not to contact me at work and to mail me a letter stating that they can collect the debt.
Product: Checking or savings account

Suntrust Bank, located at XXXX XXXX XXXX, XXXX, FL XXXX has at least 1 bad seed amongst them. We always did business with branch near our home, but on this day, we needed to handle a large some transfer while working. So we decided to go to the XXXX location. Only the teller & the manager would know that this large sum of money would be hitting our savings account & when it would clear, along with having my husband 's Driver 's License with signature & the knowledge that there was a large sum. Most people do not have that amount. We usually don't either, but we just sold a house & just transferred the money to our account. 

Right after the money was cleared to our savings, {$65000.00} was transferred on XX/XX/XXXX from our savings to our checking. Then at the same time, {$9400.00} was taken in cash from the fake ID that was made, just under the {$10000.00} radar. Right after that, the man had a cashiers check made out from the same account for {$56000.00}. All transactions were done in person with a teller in another state. 

Suntrust flagged it immediately, but never notified us of any suspicious activity. Two days later we noticed {$65000.00} missing from our account. The cashiers check had a stop put on it immediately, but never were we contacted of a security breech. Also, Suntrust has not put the {$56000.00} back in my account as ofXX/XX/XXXX even though they have a stop payment on it. 

One bad seed has destroyed our trust & security after 40 years of banking & loans. We have no other choice, but to go to another bank because all of the personal information that was sold off. That person still has access to our accounts & all of our personal information. Plus we noticed, that when they set up the new accounts they didn't take our pictures to have some verification, like many other banks do. We are not saying this couldn't happen at any other bank, but at the moment we are not safe at Suntrust.
Product: Mortgage

Our Chapter XXXX closed XX/XX/XXXX. Shellpoint did have our records correctly reported. All of a sudden XX/XX/XXXX we can not access our home loan records on line ( or through their regular Customer Service ) because we are now back in Bankruptcy according to Shellpoint 's records. Our file has been sent to their Bankruptcy department. We can not get a statement. We can not access our loan online. And most importantly we can not get a response from the Bankruptcy department. We have made several calls to Shellpoint 's customer service and then been transferred to the Bankruptcy department. There are no live people to talk to. You must leave a message and someone is supposed to contact you within 24 business hours. We have an email and a phone but no one 'gets back to us '.
Product: Money transfer, virtual currency, or money service

I was a legal customer of PayPal with a business account ( XXXX XXXX ) since XXXX. I had a zero complains or disputes there. 
On XX/XX/XXXX, I've received an email stating that I can't use PayPal anymore because " a potential risk associated with account was found ''. My account with a remaining balance of {$420.00} was locked. On XX/XX/XXXX, the entire amount was withdrawn by PayPal ( Transaction ID : XXXX ). It looks like a scam andor software glitch on the PayPal side .
Product: Student loan

Nelnet is reporting entirely inaccurate information about my federal student loan. While my expected graduation is in XX/XX/XXXX, on my credit reports the status of the federal loans inexplicably says repayments begin in dates ranging from XX/XX/XXXX, XX/XX/XXXX, to XX/XX/XXXX. I believe for federal loans the repayments being six months after graduation? So I don't understand why the repayment start dates are so different as I have not changed my school nor my program of study. This seems like a fully predatory practice on behalf of Nelnet, illegally reporting inaccurate information about when student loan repayments begin. By committing such FCRA violations with their intentional reporting of inaccurate information, I believe Nelnet hopes to increase the rate of federal student loan late payment fees and increase the default rate. This would absolutely be an abuse of students as well as the federal government funds by reporting fake dates which student loan repayments begin, years after the payments actually begin according to federal guidelines. 

All my federal student loans have been with the same university enrolled in the same academic program of study, so I do not understand why Nelnet is reporting some student loans with the XXXX date for when repayments begin, while for others reporting XXXX. I have neither enrolled in another university nor changed my program of study from the dates the federal student loans were first disbursed. So I don't know why Nelnet is lying and reporting inconsistent information on my student loans.
Product: Debt collection

This is my second attempt at getting this alleged debt removed from my consumer report. 

I requested a debt validation letter in which you, Capital One, sent back a letter saying you allegedly verified my information. I am still waiting for a valid response on how exactly this was verified and by who. Additionally, I sent in an affidavit of truth, which still has gone unanswered and uncontested. 

Then today, XX/XX/2021, I received two large envelopes with stacks of pages of billing statements for an alleged debt you assume I owe. At this point, this level of harassment is false, deceptive, and unfair, and quite frankly, this is identity theft ; as I have stated, this alleged debt isn't mine. 

Providing me my address, social security number, and date of birth is not a form of validating my debt by law, and in your response to my first complaint here on the CFPB, XXXX XXXX ID XXXX ) you stated that Because the accounts were opened online, there is not a signed copy of an application to provide. So again, I ask, how is this alleged debt mine? 

I am a federally protected consumer, whos rights have been violated by identity theft.
Product: Credit reporting

I have provided the attached letter from the originator of a judgement that was obtained against me by mistake. I have forwarded this letter to the XXXX major credit reporting agencies and all but has remove the item from my credit report. Equifax is the only agency that has not removed the judgement and they have not responded to numerous letters on the subject. I have now been turned down for a refinancing of my home by my current mortgage company, XXXX XXXX XXXX, and this item was XXXX of the reasons stated for the rejection. This refinance would have decreased my monthly note payment by over {$1200.00} a month.
Product: Debt collection

this company is reporting an account in my name as a result of identity theft which I do not recognize
Product: Debt collection

I visited the emergency room at XXXX XXXX XXXX. After receiving care, which was unfortunately subpar ( although that's a different topic ), I received several invoices and bills. Promptly, I paid all of them upon arrival since I have primary insurance and a secondary insurance covering additional expenses. One bill from the hospital amounted to {$1200.00}, and I immediately settled it using my secondary insurance 's debit card. The payment was processed on the same day I received the invoice. 

However, six months later, I received the first letter indicating that I still owed the hospital the mentioned amount. I promptly called and faxed the document proving the payment made by my secondary insurance ( Spending Account Service Center ). I submitted a downloaded copy of the statement, clearly displaying the date and the amount paid. Despite my efforts, a few months later, I received another invoice claiming the outstanding amount. I called once again, providing all the information, and they assured me that they would address the issue. 

To my dismay, I recently received a collections invoice from XXXX XXXX XXXX XXXXXXXX, stating that my bill was no longer under the hospital 's collection but had been handed over to a third party. Now, I find myself having to invest more time in resolving this issue that the hospital failed to address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX  I am currently looking at my credit report and to my own detriment, I see that your company STILL is reporting my student loans very inaccurately and unlawfully, and I firmlyafter many disputed attempts to have this corrected with your company -- request an immediate deletion of these discrepant items ASAP. 
I can attest to the fact that I have never paid ANY of my student loans late for the entire lifespan of the loans, including years before the pandemic, during and afterwards as I have been on an approved forbearance/deferment. 
I contacted the US DEPARTMENT OF EDUCATION in XXXX of this year, and they show that there was a discrepancy in process ( no fault of my own, and ) my loans are current, no history of late payments and theyve recently traded my student loans to another loan servicer. They stated that they will refresh my credit reports within 45-60 days, which is far too long for me to have to wait as it is adversely affecting my credit accounts. 
Each of my credit reports by all three of the major credit agencies reflect a totally different payment history in regards to my student loans, however, one of t he agencies have no reports of late student payments the entire duration of the loan. 
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 U.S.C 1681. 
Account names and info : US DEPARTMENT OF EDXXXX ending in XXXX US DEPARTMENT OF EDXXXX ending in XXXX US DEPARTMENT OF EDXXXX ending in XXXX US DEPARTMENT OF EDXXXX ending in XXXX and US DEPARTMENT OF ED beginning with XXXX US DEPARTMENT OF ED beginning with XXXX According to The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. So, if you're going to provide negative information like they're late, or they missed the payment, something like that, to a consumer reporting agency like XXXX, Equifax, or XXXX, then you have to give consumers this notice under the Fair Credit Reporting Act. 
Furthermore, your company has violated these additional laws : 15 U.S.C. 1681 Section 602 A : States that 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 or expressed permission and 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 : 1. Any adverse items 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. 
Deeply XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M FILING A COMPLIANT BECAUSE THERE IS AN ACCOUNT AFFECTING MY CREDIT THAT IS PART OF MY IDENTITY THEFT CASE AND EQUIFAX IS STILL SHOWING IT BUT XXXX AND XXXX REMOVED IT ALONG TIME AGO
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX ) I am Attaching identity and proof of address.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. 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

Under Inquires on my credit report " XXXX XXXX XXXX '' did not have my permission to pull my credit report twice on XX/XX/XXXX. 2019. 

They only had authorization for one hard credit check not two.