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

I have screen shots of some of them I do have a life to live its hard to keep up they are working against I just one and it's just me so it's hard to keep up
Product: Student loan

After my loans were transferred from XXXX XXXX to Mohela I contacted Mohela to inquire if they had everything needed, as XXXX XXXX informed me in XXXX that my employers were certified for for XXXX then they notified me that they weren't. I had the needed employer sign form and resubmitted on XX/XX/22. I know that both employers are eligible I spoke with Mohela in XXXX to ensure they had what was needed. I was told that I had " all my ducks in a row '' and to wait to hear from them in early XXXX. In mid XXXX I reached out to a representative and was told that it looked like my application was hung up and submitted for it to be reviewed again and it could take another 90 business days. I asked why that didn't occur when I spoke with representatives during the summer and fall. She said she didn't know and that she couldn't do anything else to assist
Product: Money transfer, virtual currency, or money service

Today, XX/XX/2022, I received a XXXX XXXX offer for an item I was selling. After agreeing to the amount and date, she claimed to want to send me the money now and pick up the item on the agreed upon date. I received an email from what looked to be zelle that my account needed to be upgraded. To do this, she was supposed to send me {$400.00}, that I would then return to her, and send a screenshot reply to the email. The names on the XXXX XXXX account and the zelle did not match. After sending the {$400.00}, I immediately called my bank, XXXX, because it didn't feel right. The associate saw that the transaction was suspended and tried to cancel it but was unable to. She then gave me the number to zelle directly, but they refused to help because it was done through my bank account and not a separate zelle app. 

I then received another email requesting even more money. She has messaged me multiple times since then asking if I have received this email.
Product: Credit reporting

Someone stole my personal information and identity to open up unauthorized and fraudulent accounts using my name. I have received harassing and threatening telephone calls and death threats from various credits, for unauthorized and fraudulent accounts that do not belong to me. The following unauthorized and fraudulent accounts do not belong to me : XXXX, XXXX XXXX XXXX, XXXX XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX
Product: Debt collection

I noticed on my Credit Report that I had 2 collections. I had not been contacted by anyone, I filed a dispute with XXXX XXXX. They claim that the info was correct. I contacted the first Creditor, XXXX XXXX XXXX ( collection company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ) They said that it was an open account and that I owed it. I could not find any record of my paying them, so I contacted XXXX XXXX XXXX and they said I owed {$180.00} I paid them that amount in full on XX/XX/19 Have a Conformation No. As of today XX/XX/19 still showing open account not paid. I contacted the 2nd Collection reporting creditor XXXX XXXX XXXX XXXX XXXX XXXX NV. XXXX Phone XXXX ( collection agency Professional Finance Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ) XXXX XXXX told me that this was for an Emergency Room visit, and this was my portion that the Insurance did not pay. I told them that I got the billing statement from them and made payments. They said that since I did not set up a payment plan with them they sent it to collections. They said that was for something else. I asked them to send me a Detail Billing of all  accounts, which they did. When I compared the Billing account with my Bank payments it shows that I paid the amount that XXXX  claims I owed. I also have monthly billing statements that XXXX  sent me showing that I was paying down the account. I sent copies of all of these things to XXXX in a 2nd dispute on XX/XX/19. They responded saying they talked with ( I'm assuming that they talked with both XXXX & Professional Finance ) and said that the account was still owed. I don't understand how they can come to that conclusion when I sent them proof showing otherwise. This should never have gone to collections to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXXXXXX 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 XXXXXX/XX/2022.
Product: Credit reporting or other personal consumer reports

I reviewed my updated report and not all XXXX buerors are in unison as to what needs to be removed and reported. 
XXXX XXXX is an athorized account I need removed ASAP XXXX for XXXX & XXXX should be removed as it is for experian as of XX/XX/XXXX XXXX inquiries as well as XXXX XXXX should be cleared off my theft report is attached and police report was sent but its still seen as well as proof that I can't even get verified to speak on behalf of the account because I'm not the person that opened it ( see attached ) 4.I asked for all alerts, statements, holds, freezes etc to be lifted but I still have them especially with XXXX and Experian stopping me from being able to have my report pulled. I sent my proof of identity and address weeks ago and tracking says it was received I called and confirmed it was uploaded.

5.Lastly, My XXXX  XXXX XXXX loan was removed from Experian but is still not updated with XXXX or XXXX as XXXX XX/XX/XXXX I proved with LOADS of documents these should be done across all reports and it's your DUTY to make sure everything in in sync or to show me line by line law by law contact etc why it shouldn't be with you SPECIFIC agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I already have asked this company to stop reporting activity on this charge off and provide a copy of the 1099C cancellation of debt form that they filed with the IRS, I have asked OlloXXXX to stop reporting it, cause according to IRS the 1099c becomes gross income not debt. That's reporting inaccurate and unfair, but they seem to not care about any compliance of the FCRA law. these are the violations they have incur.

15 U.S. Code 1681 ( a ) ( 4 ) Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

According to 15 U.S. Code 6801 ( a ) ( b ) Protection of nonpublic personal information 15 U.S. Code 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) Obligations with respect to disclosures of personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd complaint. I have requested validation of the alleged debt, not verification, in writing twice. The company is either unwilling or unable to do so. This is a violation of the FDCPA. I have disputed with XXXX. This company continues to report to XXXX which is a violation of the FCRA. They have removed it from XXXX but not XXXX. They have had months since my last complaint to either validate the debt or remove the credit bureau listing. Simply sending a copy of a bill is not enough. This bill goes back to when the utility company was own by a different company. This bill shows service being billed while I had an active account at the same address. This bill has only one number different in the account number. I believe this to be a mistake. A bill does not provide enough information for me to research my own records. There is nothing that proves I ever agreed to be responsible for this alleged debt. I have exhausted my resources and I will be pursuing litigation shortly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 there was a Counter Credit Deposit of {$8500.00} and on XX/XX/17 a Counter Credit Deposit of {$1800.00} that were not requested or authorized by myself but by my father XXXX XXXX without my permission .On XX/XX/17 There was a withdrawal of {$100.00} at XXXX ATM in Washington DC , on XX/XX/17 Return Item Charge back of {$8500.00} and another ATM withdrawal of {$1000.00} at a XXXX ATM in XXXX XXXX , MD, all of which I was not present for. During the time of these events I was a on campus student at XXXX XXXX XXXX but on my XXXX XXXX XXXX acct I used my mother and fathers home address. I left personal info such as mail and birth certificate and social security at my fathers address because I did not deem it responsible to keep at a campus where other people would have access to my locker. At some point my debit card was left home when I visited for a weekend and My father utilized my personal information in order to have money sent to my account, one of which was a fraudulent check of {$8500.00} which caused my bank account to be closed. There has been fraud placed upon my name for actions I did not partake in and it now hinders me from applying for most credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$73.00}.
Product: Credit reporting or other personal consumer reports

According to XXXX. U.S.C XXXX you have violated my right by in lawful communications please remove this collection off of my credit report thank you
Product: Student loan

I can't get through to Mohela. 
I have signed up several times for the PSLF program over the years. My loan was moved and I was assigned to a nonqualifying program to which I was unaware. During XXXX and XXXX I again filled out the paperwork provided to correct my payments and they be counted for the PSLF. 
I have been a XXXX XXXXXXXX for nearly XXXX in a rural area, XXXX XXXX in WA state and qualified for the state program providing funds for my loan due to my status of public service in an extremely rural area. 
So I waited and waited and just got information for starting my repayments ( I thought after paying for 12-years my loan would be excused as promised. ). I just discovered my loan is not assigned to PSLF and this is just not right.
Product: Credit reporting or other personal consumer reports

The account is inaccurate because it lists a past due balance of {$5100.00} without showing any prior delinquency history, and the date opened ( XX/XX/scrub> 2022 ) appears to reflect when the debt was purchased rather than when the original account was established. Additionally, there is no clear validation that this debt belongs to me or that XXXX XXXX XXXX has the legal right to collect it.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/2023 I opened a new CD with Synchrony Bank. The funds used to fund the new CD account was an INTERNAL TRANSFER from a Synchrony savings account. The funds were taken out of the savings account immediately and the CD was opened immediately. However the CD was now dated Monday XX/XX/XXXX and not the XXXX. This is not what I wanted as I have CD 's timed for reasons that not important for me to disclose. What and when I want to do with my money is not for the bank to decide. I opened the CD on the XXXX of XXXX because I wanted the CD to begin on XX/XX/XXXX and not the XXXX. I tried to correct the issue with Synchrony Bank by calling. First to a representative and then to a supervisor. I was told that that was their policy Period. Next business day and If I wanted to now cancel the new CD, there would be a fee. I do not have this problem with other banks. If I open a CD and fund it by an internal transfer, from the same bank, that CD starts on the day I open it regardless of holiday or weekend and not the " next business day '' as I was told by Synchrony was their " policy '' and the way their " system '' works. Unacceptable. An external transfer from another bank is one thing, an internal transfer is another.
Product: Credit reporting or other personal consumer reports

I was added to aXX/XX/XXXX but was then removed shortly after this happened. This was roughly one month ago and Equixfax has yet to remove this from my credit report despite submitting a dispute on the XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid XXXX XXXX {$1100.00}. This payment changed my account balance to XXXX. I have disputed the account balance information with all three credit bureaus multiple times. The last dispute was submitted on XX/XX/XXXX and the results show that the account balance is correct-meaning that I still owe XXXX dollars. I contacted XXXX XXXX today XX/XX/XXXX to ask why my credit reports have not yet been updated I was told by the representative that my information was sent to the credit bureaus on XX/XX/XXXX and shows that I have a XXXX balance. 

After calling XXXX XXXX I contacted XXXX by phone to see why the account is still showing a balance. I was told by the Equifax representative that XXXX XXXX sent them an update on XX/XX/XXXX showing that I still owe XXXX dollars. 

I have made several disputes online, and several phone calls with XXXX XXXX as well as all three credit bureaus. None of them are updating my credit reports to show that this debt has been paid in full. I was denied for a business loan because this information is incorrect.
Product: Credit reporting

The company that I work for did a criminal background check for a promotion, I was denied that promotion due to inaccurate information. XX/XX/2016, I received XXXX XXXX, I was informed by the judge and my lawyer that it should take up to two weeks for the felony to be dropped from my record. I have contacted my lawyer as well to understand what went wrong.
Product: Student loan

Back in XXXX or XXXX of XXXX I called navient to try to get my payments lowered but the only option that I was given was forbearance, which would only tack on interest to loan. I felt that was only option because that was only one offered to me. I had done this consecutive times and was not given other options.i requested this same thing back in XXXX
Product: Mortgage

We just refinanced our home and our loan was sold to AmCap Mortgage, LTD. My loan number is XXXX. Our first payment was due on XX/XX/XXXX and I set up recurring payments of {$2800.00} which is the total amount due each month. My XXXX pymnt was drafted out of my checking account for {$2800.00}. On XXXX a pymnt was drafted out of my account for {$3400.00} which I did not authorize. This caused an overdraft of my checking account and I was charged {$30.00}. I contacted AmCap several times- I was always on hold a minimum of 20 minutes and transferred several places and sometimes disconnected. I sent inquiry messages which were not returned for over a week. I first contacted them on XXXX when I saw the charge. I resorted to trying to chat with an agent. Each time I was told that this was done by me ( understand I set up a recurring pymnt for my minimum and never authorized this ) and applied towards my principal. I was on XXXX to send a copy of the bank transaction and my overdraft fee. I sent on XXXX. I had to f/u several times and each time was told I authorized this. I finally got to someone named XXXX who said he apologized for the error and submitted the paperwork for a refund. Again, I did not receive a refund. I contacted them again and finally talked to a " supervisor '' on XX/XX/XXXX and was told it was approved and would be processed within 2 weeks. I was very upset about this because this is still money out of my bank acct that was not authorized and I needed to be reimbursed. He told me he would try to rush it. Today has been 2 weeks and I still have not received a refund. I just did a chat with a " XXXX? '' and they said it still has not been approved. I want a refund asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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. 

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 consumer reporting agency Can not furnish my account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint On XX/XX/2022 sent out letter to XXXX via USPS Certified Mail # XXXX # XXXX My purpose of contacting XXXX was to properly address their violation of 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 ( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consume to any consumer reporting agency- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, fat, inaccurate by reporting this transaction or experience ( charged off ) on my consumer report I have all document attached that are needed for verification along with my ID and proof of address. The response of the company was not acceptable by any means as it was clear to be a stall to disregard my concerns and demands Resolution A proper resolution would be to remove the charge offs from my consumer report I would like to enforce my rights of 15 U.S Code 1881s-2 and opt out of the reporting of this account to any third party 15 U.S Code 6802- Obligations with respect to disclosures of personal information ( b ) OPT out These are demands and I would hope that this is handled with good faith without any adverse actions to my account as we move forward in accordance to the law