23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is a list of credit inquiries I DID NOT authorize. I called all three major credit bureaus Equifax, XXXX, and XXXX ) which stated that they would remove them but they remain unto this day. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts 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 an alleged identity theft, I found that under section XXXX ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

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 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

In accordance with the Fair Credit Reporting Act 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 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Someone supplied this company with my phone number. I am not the contact they are looking for and they continue to call me from various numbers and do not leave messages.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a trade to sell {$500.00} to buy XXXX using Transferwise. Shortly afterwards, ( they claim hour and a half ), I was able to cancel the trade on thr app. The reason for the cancel is, I realised I held XXXX in my bank account, and traded with Transferwise for XXXX. But I only executed the trade for XXXX only after I was able to cancel the trade for {$500.00} on their app. The reason is I have cancelled in the recent past without incident. I have been unable to cancel on their app after a short timeframe and accept this as reasonable. This time, I was able to cancel and, because of all previous experience, believed there was no problem. In the past, if I tried to cancel, and the transaction was being processes as over 30 minutes or the US amount was already ringfenced, the Transferwise app did not allow it. 
Because Transferwise took XXXX and then tried to take an additional XXXX, my XXXX XXXX has charged me {$29.00} in an NSF fee ; because taking the XXXX would have created an unauthorised overdraft on my bank account. I asked Transferwise to pay the fee as they took the XXXX, and then tried to take the XXXX. I only learned of the fee the following day when I got an email from my XXXX XXXX. I have had to contact Transferwise to try to resolve this every step of the way. I even have to chase them as they do not reply to my emails. Transferwise never contacted me without being chased, and I have had to intiate all contacts to try to resolve the matter. I requested times to justify their argument about cancelling an hour and a half later ( they did not comply ) or explain how I was able to cancel a trade and they still take the funds ( it has never happened before ).
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies, myXX/XX/XXXXand Zelle failed to investigate my claims adequately. They informed me that tracking these transactions was unfeasible.
Product: Credit reporting

I submitted a letter from collection agency stating they would request deletion of the file. The collection agency could not present information I requested and made the business decision to request deletion of record. I forwarded their letter to XXXX, XXXX and Experian. Both XXXX and Experian has refused to honor XXXX decision.
Product: Student loan

Navient will only offer graduated payments which makes my student loan payments over {$2000.00} a month. I 'm a XXXX!! I 've explained to them many times we have nothing to live on, much less keep a roof over our head with a payment like that. I 've managed to keep it in hardship forbearance for several months now. A few months ago my student loan balance was XXXX, as of today it 's XXXX. I have not borrowed another cent since 2012. I 've tried to pay what I can on them, but XXXX a month is just too much on a XXXX 's salary. Besides, is there not a loan forgiveness program for XXXX at XXXX XXXX XXXX?? I asked and was bluntly told I was n't eligible even though I 've been at a XXXX XXXX XXXX  for 9 years! Please help!! These people are going to make me XXXX and homeless!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and experian will not investigate disputes. I sent disputes about credit balance for XXXX  and XXXX XXXX  being incorrect and they advised that I already disputed it but they have not resolved the issue. XXXX specifically is allowing anyone to access my credit report without my authorization including XXXX  XXXX XXXX of a car loan I did not initiate.
Product: Payday loan, title loan, personal loan, or advance loan

I emailed and called Explore Credit to revoke my automatic ach payment authorization with them and they continue to charge my account. In order to avoid a stop payment, they have also now split my payment into two payments. Since the time I originally contacted them, they have charged me an additional {$430.00}.
Product: Mortgage

When I obtained a mortgage for my XXXX, NY home in XX/XX/XXXX Citizens Bank escrowed both the homeowner 's insurance premium and the taxes. In XX/XX/XXXX, I decided that I wanted to procure my own insurance. After spending almost two hours on the phone with Citizens mortgage and insurance departments in XX/XX/XXXX, I was told I my mortgage would no longer be escrowed and I could procure my own insurance which was due to be renewed on XX/XX/XXXX. I did so and have been paying my insurance broker directly for insurance the last two years. I have just learned that Citizens has continued to collect money from me and purportedly escrow it for homeowner 's insurance premium. I called today to rectify the problem as Citizens owes me approximately {$6000.00} in premium and is overcharging me every month for escrow charges in my mortgage payment. I initially spoke with XXXX in the insurance department ( XXXX ), who was very concerned about the situation and tried to be helpful. She verified from the bank 's notes that my insurance should have been taken out of escrow in XX/XX/XXXX, but she said she had to work with the mortgage department to rectify the situation and refund my two years of premium. When she conferenced in " XXXX '' of customer service, I was given a completely different story. XXXX told me that I was supposed to send in a letter in XXXX putting my request in writing, that I never did, that I had no right to have my insurance taken out of escrow, and that even though I paid my insurance premiums for the past two years I had no right to have them returned. " XXXX '' refused to give me her name and refused to allow me to speak to her superior. She also refused to document the phone call in writing. The only identifying information she gave me was that her employee " number '' was " XXXX ''. Also, upon further inquiry, I learned that she is located in Virginia. She told me the " only thing she could do '' is send a written request that my insurance be taken out of escrow ( even though technically it obviously has been out of escrow for two years ) but that there's no guarantee that the request would be honored. She said the written request would take 30 days to process. She said if the request was honored, I would have to pay a fee ( " to be determined '' ) to take my insurance out of escrow. When I asked if Citizens would return the premium I paid, she said that " I wasn't listening '' and that I had no right to it because at the onset of the mortgage I had contracted to put my insurance premium in escrow. 
Finally, I informed XXXX that I received recent correspondence ( dated XX/XX/XXXX ) from Citizens requesting proof of my homeowner 's insurance insurance and indicating that " Per our records, you have elected to pay your insurance directly, rather having it paid for you through an escrow account. '' I asked how she could reconcile that letter with her position that I had never properly removed my insurance out of escrow, and she had no answer. I have uploaded a copy of that letter.
Product: Student loan

My XXXX XXXX discharge was processed on XX/XX/2023. I was informed by the Department of Education that the refund is pending processing by my servicer, EdFinancial. In my account portal, I can see the discharge and refund dated on XX/XX/2023. EdFinancial advised to wait 60 days to receive my refund of payments. 

The refund of payments has stayed at a negative balance, and no one at EdFinancial can update me. I wait on hold for hours each day. Once I finally receive a callback, the EdFinancial representative pretends to not hear me on the other line. This has happened repeatedly each week during the callback. However, I have no issues with any other caller. 

I have attached the statement, showing the negative balance on my account.
Product: Credit reporting or other personal consumer reports

I benn a victim of identity theft. I contacted Transuninon and told them for this inquiries are fradulent and provided proof. even thought they told me that this inquires were verifed .My personal information been used to obtain good and services.Please dispute and remove this fradulent infromation on my credit report XXXX XXXX ( bank ) XX/XX/year> XXXX  XXXX ( bank ) XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting over 33 closed accounts. These accounts are being reported yearly and never leaving my accounts. All 33 accounts are being sold by XXXX XXXX to Transunion. These accounts have deducted over XXXX points from my fico score which continues monthy to not increase because These closed accounts are being reported to all creditors and banks.
Product: Debt collection

Was attempting to make small monthly payments after a child 's XXXX but was quickly turned over to collections.
Product: Checking or savings account

I opened a checking account with Chime Bank in the fall of XXXX. I also signed up for direct deposit for my monthly Social Security XXXX check. 
I had used the account for several months when I was unlawfully arrested in XXXX  on XX/XX/XXXX. 
I was avle to clear my name and was released on XX/XX/XXXX. 
During the time if my XXXX  my identication was taken over by squatters that had illegally moved into my home. 
They stole all my personal belongings as well as my credit, debit, and gift cards. All my bank accounts had been emptied out and every XXXX of the month they were able to withdraw my money since I couldn't contact the bank while in XXXX. They used my name and ID to try to cash checks open other a counts and buy whatever they wanted. They changed phone numbers emails and passwords so they could get into my accounts. The bank never red flagged my account While in XXXX  I would able to contact the XXXX XXXX XXXX and filed a police report.T Their hands were somewhat tied until I got out of XXXX. 
The investigation continues and several suspects have been identified. 
When I was released from XXXX  in XXXX I contacted Chime by phone to discuss the fraud that had taken place. There were {$7200.00} dollars in fraudulent charges I filed a fraud statement for the transactions from XXXX until XX/XX/XXXX, the entire time I was XXXX  5 days later at the end of XXXX. Chime unexpectedly closed my account and I could no longer reach them by phone only email. 
I wrote over XXXX emails to them showing documentation and stating that it is impossible for me to have used my account because I was XXXX. I never gave anyone permission to use my card whatsoever They stated that there was no unauthorized use of my card and denied my claim no real rreason. 
I provided documentation of XXXX  and police reports. 
My claim was still denied. 
O asked for documentation on how they came to this decision and they refused to provide it. 
They stated my behaviors and patterns indicate that there is no claim. Really? How did I do that while in XXXX? They also stated they have statements. Again ... XXXX This is the most absurd and misunderstanding of bank power I have ever heard of I am truly a victim of ID theft and have been trying to resolve it since this happened. I am XXXX and on fixed income. They allowed criminals to victimize me and turned around and victimize me again Please help me hold them responsible for my claim.
Product: Debt collection

I have made numerous attempts to fix this issue with XXXX with no effort from their end to fix the discrepancy from their end. It took a month for the company to finally cancel our services after numerous attempts from our end to cancel along with a series of misrepresentation from their representatives. They also billed us double without a justifiable reason. I refuse to pay {$730.00} when we really should only owe {$250.00} according to my calculations. XXXX also felt the need to threaten to levy our bank accounts without having even obtained judgement. Another violation on top of that, they continued to harass me for this inaccurate bill after I sent a request for them to cease and desist communication. To my understanding this is a violation of the FDCPA and should be taken very seriously.
Product: Debt collection

I called and paid ccs on XXXX I was told they would remove from account. I disputed account with XXXX   and they said I still owed them.
Product: Debt collection

I purchase a sofa set in XXXX I looked at a sectional an set on I order sofa love seat got it when I set on it I sinks so low that I am setting on the frame I called and called final after XXXX weeks of waiting on a call I went explain they sent some one to the house .he offer me more pillows saying that it sink and that it is far back an he will go into the office do a report. since XXXX XXXX I been waiting calling and no reply they let me inquire about a new couch but I am still waiting I understood I have seven days but I called an had to wait to go there I am making my payments for a sofa I do not set on I ask for an exchange in I upgraded still waiting. I went to value city purchase XXXX received it XXXX XXXX called XXXX XXXX waiting on call went in supervisor in meeting XXXX hr called a XXXX called me I went in XXXX XXXX explain they decided I have to wait till inspector come out he did I made inquire still waiting as of XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING A COPY OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY REPORT. PLEASE RE-INVESTIGATE THOSE DEROGATORY MARK AND HAVE THEM REMOVE OFF MY CREDIT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : XXXX XXXX XXXX XXXX XXXX Bank for Violations of the FDCPA and FCRA Dear CFPB, I am writing to formally lodge a complaint against XXXX XXXX Bank regarding their handling of a debt that I allegedly owe. My account number with XXXX XXXX is XXXX. The amount in question is {$XXXX}, which they claim has been sold to XXXX XXXX, yet they continue to report it as a late payment on my credit report. 

Issues Encountered : Debt Verification and Ownership : XXXX XXXX  has purportedly sold my debt to XXXX Funding. However, I have requested verification of this sale, including the transfer documents, and have not received any response. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to this verification. 

XXXX Request : Since XXXX  XXXX no longer owns this debt, they are required to issue a XXXX Cancellation of Debt form if they have charged off this account. As of now, I have not received this form, which I am entitled to under the Internal Revenue Code, 26 U.S.C. 6050P. 

Inaccurate Reporting : Despite the alleged sale of the debt, XXXX XXXX continues to report this account as delinquent on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), which prohibits furnishers from reporting inaccurate information. Specifically, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) states that it is unlawful for a furnisher to report information that it knows or should know is inaccurate. 

Request for Assistance : I am requesting the CFPB 's assistance in investigating these violations, as XXXX XXXX Bank 's actions have negatively impacted my XXXX XXXX and caused significant distress. Specifically, I seek the following outcomes : An investigation into XXXX XXXX 's practices regarding the reporting of this alleged debt and their failure to verify its sale. 
Enforcement action to ensure that XXXX XXXX complies with the FDCPA and FCRA. 
Removal of any negative entries related to this account from my credit report until the verification is provided. 
I appreciate your attention to this matter and look forward to your prompt response. If you require any additional information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Santander Consumer USA has been continuously reporting a car loan that I did not own and was supposedly cosigned on. I disputed this negative information with them after I discovered that this loan was included in one of the 34 states ( FL ) and years that the lawsuit against Santander Consumer USA took place. XXXX XXXX XXXX, ( the collection agency that Santander sold this account to ) removed this account from my report but Santander refused to for some reason. This negative information is affecting my credit and living situations tremendously and I feel this account should be removed.
Product: Mortgage

Applied for a refinance through XXXX 's Wells Fargo Mortgage. Interfaced with XXXX XXXX and XXXX XXXX at Wells Fargo mortgage office. Was promised a XXXX day close, which instead took XXXX months, resulting in additional costs, time and mental duress. 

Calls and Emails repeatedly not answered over this 4 month time frame. Was promised timelines multiple times and those timelines were reneged on. I'm attaching all email correspondence over these XXXX months with the Wells Fargo team. 

First mortgage application was declined stating flimsy reasons, and second mortgage application was kicked off.