23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Seven years ago after refinancing my mortgage with USBank they promoted a company called XXXX XXXX who would pull half payments out of my account on the XXXX and XXXX of the month which would shorten the amortization of my mortgage. XXXX XXXX was acquired last year by a company out of XXXX XXXX called XXXX XXXX. 

It has come to my attention that XXXX XXXX  is indeed pulling half payments routinely out of my account on the XXXX and XXXX of each month, however they are only remitting a full payment to USBank once each month, not twice as I was promised. I also received from USBank on XX/XX/2020 a monthly statement from USBank indicating my XX/XX/2020 payment had not been paid and as of XX/XX/2020 I owed two payments. After contacting XXXX XXXX this week they shared with me payments are routinely remitted to USBank between the XXXX-XXXX of the month. 

So not only is XXXX  XXXX not making two half payments to USBank each month, they are collecting full payments and sending them to USBank beyond the XXXX of the month due date. Both are serious issues the could involve thousands of consumers. When I contacted USBank about this they took no responsibility about the program or it's shortcomings even though they promoted this to me. My mortgage balance is higher than it should be due to both of the payments issues, again as is perhaps thousands of mortgages across the country. Finally, XXXX  XXXX  is charging me {$270.00} for each of the two ACH withdrawals they make monthly out of my account, only to then make the payment late to USBank on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 any item 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 is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against FMS Financial Solutions for their failure to provide accurate, verifiable, and lawful reporting of a collection account on my credit report. 

The collection agency is reporting an account on my credit report that I believe to be inaccurate or unverifiable. 
I first disputed this collection with both the credit reporting agencies ( XXXX, XXXX, XXXX ) and FMS Financial Solutions directly. Despite my requests for verification under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), no proper documentation has been provided. 
The collection agency has failed to provide proof that the debt is mine, including : A signed contract or agreement showing my liability.

A full accounting of the original debt, including any added fees or interest.

Verification of their legal authority to collect the debt.

Violations of Federal Law : The collection agencys actions constitute violations of federal consumer protection laws : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : Reporting inaccurate or unverified information to the credit bureaus is illegal.

They failed to provide adequate verification after my written request.

Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) : Upon disputing the debt, the agency was required to cease all collection activity and verify the debt. They failed to meet this requirement. 

This unverified collection has negatively impacted my credit report, causing financial stress and preventing me from obtaining credit opportunities. I have acted in good faith to resolve this matter, yet the collection agency has failed to comply with its legal obligations.
Product: Credit card or prepaid card

I am writing to let you know, on XX/XX/XXXX somebody used my personal information and opened CAPITAL ONE BANK USA N credit card account. I got know about this in 2 months, I connected to the Capital One Bank and closed the account that was opened not by me. The representative told me that the account was paid off, the balance was {$0.00}. 
On XX/XX/XXXX I applied for mortgage loan and the company told me that I have negative closed account in my credit. I started to dispute as a result of identity in XXXX  credit bureau and Cap One. I was connected twice with Capital One Bank and there is no any result. I made a request of documents from the bank so as to know who was trying to open my account and to make payments. They didn't provide me with any documentation in regards of this matter. Last time I was connected with Cap. One it was on XX/XX/XXXX and they transferred me to recovery department, the representative ( the name was XXXX ), promised me to help, when I told that I am trying to apply for mortgage loan, but I couldn't do it because of charged off account. Up today I no any information from anybody. Now I am asking you for help to remove fraudulent account from my XXXX  Credit report. I am attaching documents.
Product: Credit card

It is impossible to get technical support once you get logged out of your account. When you call customer service they say they can not transfer you or help you. They give you the same phone number and say you need to ask for technical support. The automated system does not recognize technical support and routes you back to the main menu. 

After asking for a XXXX, I was finally transferred to to another department and hung up on immediately. I've spent XXXX minutes trying to pay my bill and unlock my online account. 

Their customer service is terrible, and they force consumers to know specific terms in order to get anywhere in their phone system. 

Lastly, my name is incorrect in their system, has been reported to the CRAs incorrectly and the CRAs have refused to fix it because Citi continues to report it.
Product: Payday loan, title loan, or personal loan

I signed up with this company for short term loan. There was a monthly fee of XXXX, I cancelled the monthly XXXX fee in XX/XX/2023. On the dashboard of my account it show where I have the free account, however on XX/XX/2023 they drafted XXXX from my account. When you log in to " helllobrigit.com '' to follow the prompts for deleting your account the process is impossible. I want to close this account and have nothing to do with their company. I emailed them with no resolve in addition to refunding me my XXXX. 
Please assist me with this process so Brigit can stay out of my bank account drafting money they do not have permission to draft.
Product: Credit reporting or other personal consumer reports

This account was oppen sometime earlier this year. It took about 3 or 4 months for me to catch it. I immediately contacted XXXX. They notified whomever opened the account and I assume could not make contact. The account was closed immediately do to not being able to actually ID THE person who opened the account. XXXX deemed they had not enough proof of if identity and shut it down. This was removed from my transunion and XXXX reports. For some reason I'm getting a lot of trouble removing it from transunion. The account was literally closed by XXXX for not being able to identify the owner. MORE PROOF IT WAS NOT ME THAT OPENED THIS. THIS NEEDS to please be removed until XXXX can provide actually proof of ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and starting on XX/XX/2021 my personal information was stolen and fraudulently used to open lines of credit without my knowledge and authorization. I have contacted all the credit grantors involved and have verified with them that these accounts do not belong to me, and I have tried to get these accounts blocked and deleted off my report but I have been neglected even while using the fair credit reporting act. The following accounts are reporting on the referenced bureaus XXXX : XXXX BANK Opened XX/XX/2021 Bal {$9900.00} Equifax : XXXX BANK, XXXX. Opened XX/XX/2021 XXXX {$6600.00} XXXX : XXXX BANK Opened XX/XX/2021 Bal {$9900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified three major credit reporting bureaus to place freeze on my accounts due to their false reporting, fraudulent personal data info selling for profit adding to existing problems of improper reporting, identity theft ; list goes on. Used XXXX article site to clink on links XXXX. Answered all questions. XXXX  no problem. XXXX  responded I must submit police report to accept. XXXX Responds can not verify identity. Have had FICO score alert reporting with various financial entities providing that service. Im not unknown though data submitted maybe false. ID theft by XXXX XXXX 14+ years adversely affected credit scores. XXXX covers up for XXXX false info as well By known Criminal ; list goes on. When Public Announcement Id credit freeze avail by law XXXX took advantage being unsuccessful in past ; repeated victimization ongoing. Went through process of providing proof of identity with various entities sending copies of personal documents to be told not good enough. Request my free credit report once a year ; not sent by two or even the three credit bureaus. If I get copy of one ; submit copies of disputes to other two sometimes more  that are involved in smear tactics like Lexis Nexis assisting XXXX XXXX ID fraud. Ive never had XXXX XXXX  yet carried by three people on their policy fraught with traffic violations ; I have none. These are only highlights of ongoing outrageous, egregious ; actionable acts of malfeasance that go unchecked by the CFPB dispute other past complaints. The XXXX   XXXX XXXX XXXX XXXX is of no help. The XXXX State offices and agencies frought with all kind of internal crime and corruption. Do I need to contact President Trump and ask him to assist with these matters? Is the CFPB going to start doing their job to protect US Citizens like they are suppose to or coverup for errant entities adversely affecting our lives. Im in my XXXX year ; the Decline in Decency Of the Gov that is suppose to be of we the people in support Of enrichment of three three credit bureaus is part of the Deep State Swamp we are drowning in.
Product: Debt collection

Collection agency contacted me out of nowhere threatening legal action over a " debt. '' Refused to state who they were, what they wanted and what the " debt '' was for. I tried to get any and all information from them but they refused to explain anything and stated that I needed to get with my attorney on the matter. They referred to a '' Federal database '' when reading off a social security number, I refused to validate personal information because they were uncooperative and refused to explain who they were, which is what they must do by actual Federal Law. 
I decided something was not right and I said you have the wrong person, the individual on the other started to get upset and demand that I continue to speak with or I was going to have to work my attorney. 
I hung up, she called immediately and left a very rude message stating that since I refused to speak to her that she would " Forward the complaint out of her office, send it " to my address '' and good luck.
Product: Payday loan, title loan, or personal loan

I scheduled my payment in XX/XX/XXXX for my XX/XX/XXXX payment - I made sure to transfer the funds to my bank account on XX/XX/XXXX to ensure they were available for the scheduled payment ( I can show proof ) I thought all was fine. Today I log into my bank account and show funds are still there I log into my PayPal account and see the payment was not process and because of that was accessed over {$200.00} in interest fees - I called and complain spoke with Manager XXXX XXXX she basically brushed it off and said doesnt show scehduled payment and will not reverse the interest- I advised her I would be filing this complaint as I did what I was required to ensure no interest was charged - she understood and still would not reverse wrongfully charge interest.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX  credit account -Experian and XXXX inaccurate information payments etc. I filed several disputes to both credit bureaus failed to properly investigate and make accurate changes to my credit report.This has caused major damage on my credit approval on other loans and credit cards etc, that I could have been approved for. This account was closed and paid settlement as agreed.Statue of Limitations same source from all company 's should report the same accurate information to each credit bureau.
Product: Credit reporting

A tax lien was Recorded in Error, i been contacting the credit buteaus to remove it, yet they keep refusing to remove that record from my credit report.
Product: Money transfer, virtual currency, or money service

1. On XX/XX/XXXX I transferred XXXX XXXX  to Coinbase from Coinbase Pro 2. On XX/XX/XXXX I took out a loan for XXXX using XXXX XXXX  as collateral 3. On XX/XX/XXXX the XXXX was deposited into my bank account ending i and I still had XXXX total XXXX  4. On XX/XX/XXXX I receive emails that my transfer of XXXX was cancelled, it never was and CoinBase stated that this was due to an internal error 5. On XX/XX/XXXX I also receive an automated email stating that XXXX XXXX  equaling XXXX were sold at a XXXX loss for funds recovery. Recovery of what I do not owe them anything outside of the loan which is still has a balance of XXXX and is current. 
6. I now only have XXXX XXXX  and still have a XXXX loan balance. 
7. Thus, my account is short XXXX They admitted that they had issues the night of the XXXX and it caused a problem with the state of my loan. Since then they have not returned over 10 of my emails kindly asking for the status of my missing XXXX. I have no other recourse left but to file complaints as they are not responsive in solving this error or communicating with me regarding when this will be corrected. I have two cases open regarding this matter case # XXXX and # XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Equifax and XXXX  are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, or XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which
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 XXXXXXXX XXXXXXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF ED/XXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF ED/XXXX  : # XXXX U S DEPT OF ED/XXXX  : # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 student loans and tuition fees being charged to my credit from XXXX XXXX XXXX college and I have never attended the establishment. There is a man on my credit report by the name of XXXX XXXX and I do not know who he is and he is using my social security number. XXXX XXXX  and granite state many. Please remove these as they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kimball tyree st john is not supposed to reporting a judgement or public record on my report, the law firm filed an eviction, and it was granted by the courts in 2016 4 yrs ago, this company is very harassing, judgements, liens, or public records accept for bankruptcy is only allowed on my credit report, this firm is using deceptive tactics reporting it on my credit, and not listing it as a public record when it actually is a public record, I checked the system, XXXXXXXX XXXX XXXX, and XXXX, and they said the firm is reporting it as a regular collection loan account instead of an eviction, which is public records, which is deceptive practices on their part, they are in violation of the national consumer protection plan, and they are to stop reporting the eviction to the bureaus. It is time barred debt anyway, after I reported it to the credit bureaus they deceptively ran to the courthouse to file an memorandum of costs, which is very sneaky on their part,
Product: Checking or savings account

Hello- This Complaint is being filed for Wells Fargo Bank and XXXX XXXX XXXX. I would like Wells Fargo to return the money to me that was taken by the fraudster. 

I went to pay an invoice to XXXX XXXX for a lift in the amount of {$22000.00}. Communication Started on email XX/XX/XXXX. My email was intercepted by a fraudster ( XXXX & also XXXX - XXXX  doc attached ). The fraudster claimed to be XXXX XXXX and gave me wire info for the deposit. I sent a wire to pay and obviously now went to the fraudster vs XXXX XXXX 

The wire went to an account at Wells Fargo out of Oregon. 

It was XX/XX/XXXX When I figured out what happened as XXXX called and again asked for my payment. XXXX said the payment was never made and we re-traced the steps. I contacted my Credit Union XXXX XXXX XXXX XXXX- where the wire was sent from ) to explain what happened and initiate steps to get the money back. 

XXXX told me I needed to engage XXXX XXXX XXXX XXXX ( conversation/agreement attached ) to get a Trace and obtain the account at Wells Fargo it wenXXXX to and reverse the funds. There were no funds available. 

The next step was to open a Police Report with XXXX XXXX XXXX, MN and forward info to XXXX ( which was done ). Officer XXXX was to obtain a warrant to the account info associated with the fraud and get back to me. See attached document for correspondence. The police department has not communicated with me since they mentioned they were getting a warrant. I've email asked for follow up XX/XX/XXXX. 

I have also reached out to Wells Fargo and was told by customer service the only people that could contact them was XXXX XXXX XXXX and the police. Wells Fargo has a " Know Your Customer program '' - which requires a photo ID to open an account. The fraudster had to show an ID to open an account. Wells Fargo knows about the fraud and is currently doing nothing about it. Wells Fargo has not communicated with XXXX Fraud Department after being contacted by XXXX several times. 

My hands are tied and need the money back - {$22000.00} dollars was taken and is causing major hardship paying bills and buying necessities.
Product: Student loan

Nelson Cruz and associates called me and said there is a complaint against my name/ SS number because of a pending student loan. I worked out a deal with them via telephone for them to take out XXXX $ monthly until it is paid. They did this twice. Today XX/XX/19, I go t a call from them saying I do not qualify for the XXXX $ Hardship repayment plan, but I can pay around XXXX $ monthly for 6 months and we will be square. I said I would have to think about it and speak with a friend that was a legal rep. The representative got kind of pushy and told me I only have until XXXX today to make a decision. Anyhow I called the real federal student loan officer and I am up to date at this time. They have never heard of Nelson Cruz and associates. So it was a scam.