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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$100.00} XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. 

This account is fraudulent account, I did not open any account with this company.
Product: Mortgage

My name is XXXX XXXX residing at XXXX XXXX XXXX XXXX, New Jersey. There is a scam going on at Bank of America on mortgage payment Center. Bank of America is forcing customers to pay escrow. I am paying my monthly mortgage through Bank of America on-time for almost eleven ( 11 ) years now. The Bank told me early this year that I failed to pay my property tax I having been paying for over a decade promptly. I went to the XXXX, NJ XXXX tax office and they said we got it late my mail but we got it and has been processed. I think Bank of America also paid the city property tax and were refunded. XXXX XXXX NJ Tax office { ( XXXX ) XXXX } were late to send us ( everyone ) the remaining half of 2019 tax accessement bill and the 3rd Quarter due date was due in XX/XX/XXXX and 4th Quarter due onXX/XX/XXXX.I was current and to-date on my property bills. This can be verified at above phone number or I can provide the actual bill in my possession. 

Now Bank of America is telling me I was late that the 4th Quarter was due on XX/XX/XXXX not XXXX XXXX and are adding escrow fund with late charges to my account. This illegal and offensive activities should be stopped immediately.
Product: Credit card

I tried to contact the Home Depot fraud department as requested in a letter dated XX/XX/year>. The contact number on the letter is XXXX. When I called this number I was required to state my name, birth date and social security number. After giving this information they were unable to connect me to an investigator. This happened 3 times on XXXX. I also called the customer service help number,XXXX, and they transferred me to a department that could not verify the phone number ( XXXX ) and stated I had been assigned a new credit card number after I closed the account, when I asked for further information the person I was talking to hung up the phone.

I am concerned because no one I spoke to was able to verify the validity of this letter and I closed this account in XXXX or XX/XX/year>. I do not have an account with Home Depot any more.
Product: Money transfer, virtual currency, or money service

Good Morning, I hope this finds you well, Sir My name is XXXX XXXX who live in XXXX XXXX XXXX, XXXX XXXX, XXXX, I AM BANKING WITH SOFI UNTIL A FAITHFUL DAY I MADE COMPLAIN XXXX THAT MY ACCOUNT WAS HACK AND MY MONEY IS BEEN TRANSFER TO XXXX XXXX, THE XXXX XXXX  ALSO BELONG TO ME WAS ALSO HACKED ABOUT XXXX USD WAS MADE OUT OF MY ACCOUNT, I INSTANTLY CALL THE BANK TO STOP THE TRANSACTION, BUT XXXX TOLD ME I SHOULD WAIT UNTIL TRANSFER IS CONFIRM THEN THEY WILL RECALL BACK MY MONEY, I WAITED ALL DAY ONLY FOR ME TO CALL THEM THEY SAID THEY ARE GOING TO CLOSE MY ACCOUNT, I CALLED TO REQUEST FOR A CHECK TO BE SENT TO MY ADDRESS, SOFI BANK TOLD ME THEY TRANSFER MY MONEY TO ALTERNATIVE ACCOUNT ADDED IN MY ACCOUNT, WHICH THOSE HACKER USE TO TRANSFER THE MONEY, I ASK DID I GIVE YOU AUTHORIZATION, THEY SAID THEY WILL LOOK INTO IT AND THEY WILL SEND ME A CHECK TO MY ADDRESS, I SHOULD WAIT 10 BUSINESS DAY, I WAIT TILL YESTERDAY DATES XXXX, I CALLED TO GET MY CHECK, THEY TOLD ME NOTHING CAN BE DONE MY MONEY WAS ALREADY TRANSFER TO ALTERNATIVE ACCOUNT, SIR I NEED MY MONEY
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is reporting prohibited information. XXXX XXXX XXXX has furnished information which violates Texas Business and Commerce Code Section 20 et seq states : Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : ( 5 ) a collection account with a medical industry code, if the consumer was covered by a health benefit plan at the time of the event giving rise to the collection and the collection is for an outstanding balance, after copayments, deductibles, and coinsurance, owed to an emergency care provider or a facility-based provider for an out-of-network benefit claim ; or The information furnished is exactly the type of information that the statute ( s ) prohibits : a ) the consumer was covered by a health benefit plan, XXXX XXXX, at the time of the event giving rise to the collection and the collection is for an outstanding balance, after copayments, deductibles, and coinsurance, owed to an emergency care provider, Texas XXXX XXXX, or a facility-based provider for an out-of-network benefit claim. 

On XX/XX/2019 I was admitted through emergency ICU for a life threatening condition. Texas XXXX XXXX ' ER doctor ( XXXX XXXX ) was an out-of-network provider. XXXX made a normal and customary payment to the provider and provided me with an EOB that indicated that my out of pocket would be {$56.00}. The collection company never notified me of the collections, and I subsequently discovered the collection upon reviewing my credit report and declined score. 

I disputed the information with Experian, who did not remove it. I have subsequently been rejected for home improvement loan by several lender specifically because of this collection appearing on my credit report.
Product: Debt collection

This debit has been reoccurring on my credit report as if its a new account. This was placed in bankruptcy and therefore should not be reporting on my credit. However, I would like for this to be removed all my credit files.
Product: Student loan

I believe I am entitled to the XXXX  under the new temporary waiver set forth by the current administration from XX/XX/2021. I have submitted XXXX  applications seven times in the past 4 months and provided employment verification. ( Payments to verify may be difficult as my loans have been sold or consolidated 3 times in that time frame ). I have been a victim of XXXX XXXX, XXXX, never dealt with who XXXX sold my loan to and now FedLoan for the direct loan consolidation. I have watched my loan balance grow instead of reduce ( $ XXXX to $ XXXX in 4 months from all of the transfers ). All I received from FedLoan is computer generated letters they received my application. But no one has done any review for 4 months. I send emails to ask about the status, and also receive no communication. I am currently on hold with them to ask a person and not a computer about the status. I have been on hold 15 minutes so far. I am attaching the applicaitons etc to show that this should not be so difficult to review. I want to know why I am still waiting for a result. How long is it going to take FedLoans to get it together and start processing the temporary waiver applications?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2015 I received a loan from a local place of business called XXXX XXXX. In exchange for my XXXX XXXX XXXX automobile title I was given a loan of {$750.00}.

I repaid the loan with interest in 4 months. Each payment was a money order since this place of business didnt accept checks or cash. Each payment was {$390.00}, which sufficiently paid off the loan with interest.

I continued to get collection calls from XXXX XXXX  after repayment of the loan. The calls became so abusive and originated from around the country that I refused to answer them.

My daughter also received threatening phone calls from a broadband phone located in XXXX, as well as others. She sent me these along with the recorded messages. My daughter is a XXXX   and neither she nor I need to be continually harassed by these collection companies.

I retained XXXX XXXX XXXX to clean up my credit report and noticed several mysterious inquiries, Judgements, and companies claiming that I owed in excess of {$900.00}. Their names include 1 ) XXXX XXXX XXXX  2 ) XXXX XXXX 3 ) XXXX I have never dealt with any of these companies nor have I been made aware that I owed any company this amount. According to the paralegals at XXXX XXXX the above titled companies are claiming that theyre owed a ridiculously high amount of money that could only originate from an illegal predatory loan company.

XXXX XXXX   is the only company Ive ever dealt with that would be considered predatory. Since XXXX XXXX couldnt reach me by phone, they fraudulently charged my checking account XXXX claiming it was for the purchase of an elliptical machine. Im XXXX and would never waste my money on an elliptical machine. I contacted my financial institution and after researching the transaction it was discovered that XXXX XXXX fraudulently, through an electronic transaction withdrew funds from my checking account.

After retaining XXXX XXXX to address my credit issues both my daughter and I began receiving threatening phone calls from collection agencies. I have phone numbers these calls originated from, dates, time ( s ) of these phone calls and the recorded messages that have been left.

Needless to say this is extremely damaging to my credit report. All credit reporting agencies have a record of this predatory loan which has been paid for years. However, my credit report doesnt reflect this and the harassment has gotten very problematic. It needs to be stopped as soon as possible and my credit report needs to have this fraudulent negative item ( s ) removed at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are consumer whom purchased XXXX vehicles from XXXX XXXX XXXX and financed all three. XXXX wrongly accused us of not paying for the last vehicle. We took XXXX to XXXX  and State Court in XXXX XXXX Georgia. The XXXX XXXX XXXX found a pattern where XXXX received the payments and failed to post them along with not posted those Electronically Bank paid as they received them. The law firm of XXXX and XXXX XXXX State Court decided to file a Voluntary Withdrawal admitting we were not responsible for the debt! We need your assistance with XXXX XXXX XXXX of XXXX. We are being held down with low credit score and fighting this since XXXX. We have a way to buy a home and new careers but XXXX doing this ruins our lives. WE MUST XXXX, being held hostage and using Equifax and XXXX has proved to be very difficult and filing complaint after complaint with each bureau with our complaint going unresolved. Each time even though we have their Attorney 's Withdrawal XXXX XXXX of XXXX and Associates nothing is being done, We sent correspondence to XXXX XXXX an XXXX Analyst whom refuse to give a last name or number. They even tried to hire XXXX XXXX until we sent the XXXX from their XXXX. We are needing our credit and our scores not a run around as we have experienced. Equifax is often rude and you get no where when asking for a Supervisor nothing gets resolved. XXXX is evasive and tells you they are removing it and never does. We have the proof look it up XXXX filed XX/XX/XXXX by XXXX and XXXX. We really need your help we have work to resolve the biggest problem to get our scores where they need to be. We must work quickly as often time leads to more people such as ourselves. Homeless and needing resolution long over due our family.
Product: Checking or savings account

Spoke with customer service yesterday, XX/XX/XXXX, and was told the amount of {$550.00} incorrectly debited from my account while it was frozen due to fraud would be returned on Wednesday to accurately reflect my true account value, XX/XX/XXXX after the system updated. 4 line items were nondescriptly posted to my account as Paid Item listed under the category Other : XX/XX/XXXX {$7.00} {$13.00} XX/XX/XXXX {$10.00} {$520.00} The only individuals who had access to my account at that time to enact debits were Suntrust Bank employees, as the accounts debit ability was disabled as well as online access. Suntrust Bank continues to delay use and possession of my personal property citing internal processes for the fraud and systems for the erroneous debits : an ostensible, rather than veracious reality due to severity, frequency, and consistency. 

Due to this instance, I will submit the requested amended complaint to reflect recent findings, remove XXXXXXXX XXXX from any culpability due to Identity Theft compliance, and add Suntrust Bank due to proven theft. The selected jury in case number XXXX with judge XXXX XXXX XXXX presiding will oversee the proceedings to determine if Suntrust Bank remains an ongoing concern or is demanded to divest, terminate, and dissolve.
Product: Credit card or prepaid card

I applied for this card in late XXXX. I applied right away for autopay by filling out the paperwork Bank Of America sent to me for this purpose. My wife and I mailed it out. I went online to see if it had gone through and when it hadn't I called their customer service. Bank of America said the paperwork was not recieved. So my wife and I tried to set it up online several times, and had trouble, and tried to get assistance from their customer service on the phone. They said we had to do it online. After several more times of fighting their website, we thought we accomplished this. The company did call us a couple times over the summer of XXXX I believe to say the payment was late, which was perplexing as we thought it was set up autopay correctly. So we paid over the phone. And then continued to get late fees. And tried again to set it up with paperwork through the mail. Again, it failed. Next my wife finally figured out how to set it up, but there is no way to set it at minimum payment and it has to be a set amount. It was hard to know if this covered the minimum or not. Their website is very difficult, the worst we have used. Finally, however, we were not getting late fees and it was paid each month on time, and my wife made several payments of larger amounts via check and mail to keep the amount down. We asked them to waive some of the payments due to the difficulty of getting autopay set up, but they refused saying too much time had gone by. It had been maybe 90 days. The late fees added up to {$150.00} or more. 
Then on XX/XX/XXXX Bank of America charged me the annual fee of {$75.00}. Then on XX/XX/XXXX, they cancelled my account. They said due to current or past delinquency as one reason. But we feel due to their poor management and website, this was not our fault. We tried at least 8 or 10 times ( likely more ) to set up autopay, and twice was filling out forms and sending by mail. I asked them to refund the fee due to the fact they cancelled the card right after, but they would not. I called and talked to several people including a Bank of America Analyst. 
I hadn't had a late fee in a over a year, I hadn't gone over my limit either. I do not feel it was justified that they cancelled my card. I also think it has reflected poorly on my credit records. I would like them to rescind that damage to my record. I would also like the card reinstated and Bank of America to streamline their autopay process so people are not getting burned financially by this frustrating process. 
I talked with and XXXX  XXXX person who suggested that I take up this process. 
I also talked to a friend in town who had the exact frustration and problems with autopay and late fees.
Product: Debt collection

I never had a past debt with EOS CCA collection agency. I never recieved notification from the collection agency nor did I pay the collection agency. I had closed my XXXX XXXX account in XX/XX/XXXX. I begun a payment plan in XX/XX/XXXX and paid XXXX XXXX on XX/XX/XXXX the remaining bill owed which was taken out of my account on XX/XX/XXXX. On XX/XX/XXXX I recieved an email that my credit score had changed. I checked my credit report with XXXX, XXXX, and XXXX to find a collection from EOS CCA for XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX at XXXX XXXX  pacific time and spoke to XXXX who confirmed I did not have any past debts with the company. XXXX stated she would contact the collection agency on Monday to inform them I do not have a balance and to remove collection. On XX/XX/XXXX at XXXX XXXX pacific time I called XXXX XXXX and spoke to XXXX who again confirmed I did not have a past due balance. XXXX informed me she would emailed collection agency that my account was not past due and to remove collection. I called the collection agency on XX/XX/XXXX at XXXX XXXX pacific time and spoke to XXXX XXXX who confirmed the collection had been removed as I did not have a balance. Informed XXXX that collection shows on credit report as paid when I did not have a balance or owed a past debt. In addition I did not pay the collection agency. XXXX confirmed they had removed collection and closed account and that it should have been deleted from credit report. XXXX suggests I contact credit bureaus to dispute false information still present. I called XXXX XXXX on XX/XX/XXXX at XXXX XXXX pacific time and spoke to XXXX. I explained my situation after she stated she would send a document stating I had satisfied payment and the date which it was paid. I had disputed EOS CCA collection account from XXXX and XXXX. The dispute was not investigated since the account was updated to paid. On XX/XX/XXXX I spoke to XXXX from XXXX XXXX and informed her that I had not recieved the document she promised in the mail. I gave my email and fax number for her to resend. On XX/XX/XXXX I checked email and fax and have not recieved any correspondence from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 consumer to any consumer reporting agency if ( 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, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Money transfer, virtual currency, or money service

Robinhood will not release my funds. I have sold all my stocks being that we were in a pandemic I am low and cash and that was my last option. Robinhood refuses to let me transfer my {$6400.00}. I have sent all documentation driver license front back social security a selfie and still nothing. I cant close the account because they wont let me transfer my funds to {$0.00}. Please help. Do not use Robinhood. I have bills to pay as we all and this is just not right. I did not sell my stock just for it to be held and stuck.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX Arizona XXXX XXXX west XXXX XXXX XXXX My visual is loan money with the option to invest in stock market part of that loan to pay off. 
This reform will fortify and assure trades in the market.
Product: Debt collection

I went to the XXXX  to obtain a XXXX XXXX  and XXXX XXXX  requested by the NY XXXX XXXX XXXX NY for XXXX donation as a request for Pre XXXX examine requirements. XXXX was for XX/XX/2017 I had insurance through XXXX XXXX XXXX XXXX ID    XXXX with a copay of {$40.00} ( XXXX billing ) This was given to their Billing dept. The " script '' was specific to the order. The XXXX choose to proceed with a procedure not needed and or told how much it would cost. I was there for solely the purpose of two exams XXXX & XXXX XXXX. Once I was done, my visit was {$1500.00} dollars. I called the insurance company and they indicated they should have received a pre authorized call and never got one from the XXXX XXXX center for woman. 
I made a complaint against the Doctors failed efforts to inform me of the XXXX she took and the switch and bait the office pulled on me. I feel they took advantage of the insurance opportunity that it was being being by the XXXX donor. I feel i was mistreated, violated and now stuck with a bill that should not have occurred affecting my credit report. 
I told then that they had to follow up with my insurance but they would not listen let alone understand that I would not have agreed to a treatment without my insurance being aware of knowingly that a PRE-Authorized agreement would need given to me, the insurance company and the Dr 's office billing dept.
Product: Checking or savings account

Goldman Sachs Bank, USA. did a federal backup debt on my CD for the month of XXXX for {$220.00}. My account ends in XXXX. Customer number is XXXX. I want this money put back into my account. I never even signed a signature card back in XXXX. So they sent me another one in XXXX. I HAVE NO FEDERAL BACKUP WITHOLDING I OWE THE FEDERAL GOVERMENT. I SENT THE NEW ONE BACK ON XX/XX/XXXX, INDICATING I HAVE NO FEDERAL BACKUP WITHOLDING FROM THE FEDERAL GOVERMENT. I CALLED ON XX/XX/XXXX. THE REP ADVISED THEY STILL DO NOT HAVE. I WAS PROMISED A CALL FROM A SUPERVISOR NAMED XXXX, ON XX/XX/XXXX. I NEVER GOT THE CALL. THEY WILL NOT SEND ME ANY SIGNATURE CARD, THEY SAID I SIGNED BACK ON XX/XX/XXXX. THAT'S BECAUSE I NEVER DID. IN THE MEANTIME I WANT THE {$220.00} PUT BACK IN MY ACCOUNT THEY TOOK OUT ON XX/XX/XXXX. I SENT THE NEW CARD IN TO STOP THE BLEEDING, AND THEY CONTINUE TO PLAY GAMES