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

XX/XX/23 I submitted a XXXX  written request notifying experian that these accounts need to be removed since they have not been verified by experian. I Have not received any written documentation from experian verifying any of these accounts. I contacted these creditors and I was notified that they did not send in any documentation verifying any of my personal information for these account. Experian has settled on a recent lawsuit for there lack of investigation with consumer reporting. I believe I am a victim to this case.
Product: Mortgage

Contacted Truist about a change in insurance carrier. 
I was told at loan origination that after a year of on time payments I could apply to drop escrow for insurance and pay the insurance carrier directly. 
But now Truist told me that I am not allowed to pay the insurance carrier directly " because the Department of Veterans Affairs requires escrow on all loans. '' I have contacted the Department of Veterans Affairs at their XXXX XXXX national hotline and been told that this is entirely untruthful. 
However Truist also has refused to recalculate my escrow based on the new lower insurance premium. 
Truist has also refused to let me try asking a supervisor. 

I could easily address this myself directly with the insurance carrier, if only Truist would be more truthful in their lending and escrow practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

Equifax : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

XXXX  : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

These student loans have been around since XX/XX/1998 and they continue to get updated with fake payments so the servicer keep them active.
Product: Money transfer, virtual currency, or money service

Zelle would delay in the transfer of funds not posting until weeks later and sometimes to wrong accounts
Product: Debt collection

Myself ( XXXX XXXX ) and my now Ex ( XXXX XXXX ) went to rent an apartment at XXXX XXXX. 
We Signed a XXXX with the employees at the property but the lease signed was not a legal lease with the company that actually owned the properties which is XXXX XXXX XXXX. 
The employees claimed they were the owners of the property. 
XXXX XXXX XXXX has no records that I signed a lease with them. 
We paid for XXXX months rent and all other payments using money orders, all of which were cashed in by the employees but were out into the employees private ledger and was not sent to XXXX XXXX XXXX. The employees filed an eviction through the courts after stating they never received payments from us. 
we contacted the FBI and an investigation was filed. 
we went to court and the employees ( plaintiffs ) mid court proceedings tried to change the case from summons of eviction to summons of collection, which did not reflect on the court documents. 
Employees admitted to having private ledger and putting payments into it. 
Employees did not nor could not validate the signed lease as signed with Management resource development. 
The judge sided with the plaintiffs but gave no verdict nor reward and told me and my ex that of we moved from the property before the XXXX of XXXX ( which we did ) then we were not obligated to any payments and the plaintiff/employees agreed yet still filed an unlawful collection for an unlawful lease. More information can be given at a later time.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> XX/XX/year>, XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XX/XX/year>, XXXX XXXX  XX/XX/year>.
Product: Debt collection

PROF DEBT ( XXXX AT XXXX XXXX  ) CURRENTLY VIOLATING MANY OF MY FCRA & FDCPA RIGHTS!!! THE ARE UNLAWFULLY REPORTING A ACCOUNT WITH MANY VIOLATIONS KNOWINGLY TO MY CONSUMER CREDIT REPORT WITH MANY VIOLATIONS & INACCURACIES!!! 
I WILL PROCEED WITH LEGAL ACTION & REQUEST COMPENSATION FOR EVERY SINGLE VIOLATION!
Product: Checking or savings account

The transactions started XX/XX/XXXX to XXXX XXXX  and there was XXXX transaction sent to a person who stole my phone. I explained that if I did not receive the personal transfer it was OK, because I can probably get that resolved with local PD. But I'm a XXXX yr old female, I don't even know what XXXX is. On top of that they froze my account and I had no access since XX/XX/XXXX to present so that ruined my entire XXXX, I received a new and also they requested for to create a new email and my account is still suspended. They never even offer me provisional credit, which triggered my mental health, because my family got nothing for xmas.And doing that they still notifying me for other transactions trying to go through my account. The Worst XXXX Ever.And I filled out and sent them the claim form at least 5 times already and it keeps getting lost. I refused to fill out another claim form.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/XXXX XXXX days past due as of XX/XX/XXXX XXXX days past due as of XX/XX/XXXXXXXX days past due as of XX/XX/XXXX Charge Off as of XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

This problem is with Ally Bank where XXXX XXXX has two accounts : Regular IRA and XXXX XXXX CD with XXXX balance. By now it has been three months since he asked to sell one fund ( XXXX ) and transfer cash to a XXXX IRA after paying 15 % federal taxes. Finally funds were sold but transfer to XXXX account that cash currently at {$28000.00} has not been done. XXXX receives request to send a signed from ) so called " Direct Conversion Request '' ) again and again and nothing happens. By now we are tired and need you help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XXXX/XXXX/XXXX XXXX contacted my relative and disclosed my information to her and got a payment from her for the amount {$190.00}. I explained to my relative that they were not suppose to give her any information regarding a bill in my name and they could not take her money. They continued to contact her and give my information to her over the phone. I have disputed this bill since due to the violation of the Fair Debt Collection Practices Act. I requested cease telephone communication. Some time had passed and the phone calls stopped and the bill stop coming. After many years my relative called XXXX to get service they told her they could not help her till a bill in my name was resolved. They again disclosed all my information and transferred her to Southwest Credit Collection department. Then Southwest disclosed my information to her as well. I notified CFPB and filed a complaint against XXXX. I sent a Certified letter disputing the bill on XXXX/XXXX/XXXX. XXXX still calling. I then sent a second Certified letter XXXX/XXXX/XXXX to Southwest Credit informing them of the violation and that I am left with no other option but to file a complaint to cease telephone communications. Southwest Credit in turn sent me a bill with balance saying I owe {$310.00}. CFPB was not able to handle the matter with XXXX so CFPB notified the FTC. Even after sending a Certified letter to Cease Telephone Communication I continue to receive collection calls from XXXX. Another violation of the FDCPA. On my voice mail when I received a call from XXXX a man said on my voice mail. " I got this '' then hung up. Something must be done about this harassment. I am taking the steps to have this resolved to that they will not continue to do this to me or anyone else.
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XXXX to the credit bureaus requesting that the XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$4600.00} XXXX  XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$290.00} XXXX  XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$0.00} XXXX  # XXXX XXXX Opened XX/XX/XXXX - BALANCE {$160.00} XXXX  # XXXX Date Opened XX/XX/XXXX - BALANCE {$10000.00} XXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$590.00} XXXX  Date Opened XX/XX/XXXX - BALANCE {$590.00} Unauthorized inquiries 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim to identity theft attached paperwork that was effected by my primary physicians office and victim of credit wise identity theft after proven these paperwork stoll have these inquiries from all these seven companies stated above and need this based on Law 15 us code 1681c-2 a consumer reporting agency shall block the report of any information on the file of a consumer that the consumer identifies as information that results from an alleged identity theft no later than 4 business days after the date of receipt. If has been 30days ans you are in violation of the law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounta should not be furnished on my consumer report as they are in violation!!! Under 15 us code 1681b permissible purposes of consumer reports ( A ) in general subject to subsection of any consumer reporting agency may furnish A consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN Institution of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violets my rights as a federal protected consumer. No consent is identity theft. As a consumer I Am demanding the deletion of these accounts listed IMMEDIATELY. Accounts as follows : XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I have a loan with CHRYSLERCAP with account number XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX up to XX/XX/XXXX. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Debt collection

A debt was attempted to be collected, and a validation notice was requested on XX/XX/XXXX. The notice was not received until XX/XX/XXXX. The debt was marked as " unpaid tuition '' but when collecting information about the debt, I discovered it was medical debt for a vaccination. When this information was disclosed to the debt collector, no attempt was made to reclassify the debt correctly, which in turn changes legal guidelines about collecting that type of debt.
Product: Debt collection

XXXX around XXXX Arizona pst time XXXX loans calls me and always wakes me up when I still dont have to be up for work yet. I know They are not suppose to call before XXXX XXXX my time! But they always do! I have The screen shots of missed calls to prove it.
Product: Credit reporting or other personal consumer reports

I have submitted disputes to Experian on XX/XX/2023, I have provided all documentation to prove my claim, and it has not been fixed. Experian is showing that I have open student loan debt totaling {$120000.00}, which is incorrect and I have been disputing this information multiple times. 

My current student loan balance is {$29000.00}, As part of President Joe Biden Student Loan Forgiveness Program, {$31.00}, XXXX under the one-time account adjustment. The remaining balance of all loans is {$29000.00}. I DO NOT HAVE ANY LOANS UNDER FEDERAL LOAN SERVICING, they are closed- paid in XXXX and some are now being serviced by XXXX. Please update this information. 

Also, Many of these loans dates are well over 10 years being reported, the orginal dates are incorrect and keeps being duplicated and reported as duplicated balances. 

I am so tired of going over this time and time again. I send documentation over and over again this still has not been corrected.
Product: Checking or savings account

I received an email from Wells Fargo on XX/XX/XXXX, stating they were closing my account on XX/XX/XXXX, in the email they stated. They would pay any checks drawn on my account, even if I didnt have funds to cover it. And any negative balance I would have to pay Wells Fargo back. They returned XXXX checked previously written for my rent and deposit. Which is going to make me have to move, in which I dont have the funds for. They chose to close my account for a check I deposited, and they didnt even wait to see if the check would clear first. They are not following what they said they would do. And they are now giving me a different reason why the checks were not paid.
Product: Debt collection

I received a letter from my HR dept. at work saying that my wages are going to be garnished for {$2800.00}, and I immediately jumped back and panic set in. I never got any communications from any of these companies, or court!! I am upset on how this justice system works in this country and the advantage these huge companies have over their customers. I called Pressler & Pressler, and they could n't help me at all, because the judgement has been made already on me. This is ridiculous to on how they make a judgement without me even knowing of it, but yet they were quick to inform my employer to garnish my wages! I need help and resolve to this, because i do n't remember that account and it was from 2008, And God knows where they were sending the mail! If I need to take legal action I will, because this is against the law, and my rights as a citizen of the United States Of America!
Product: Money transfer, virtual currency, or money service

I have been trading with Binance US over the past few months and was notified on XX/XX/2021 of a deposit that did not go through from XXXX and was asked to deposit XXXX USD. I promptly did so that same day with verification from my bank that that money was withdrawn from my checking account. That money was subsequently removed form my trading account by Binance US to satisfy the initial charge that did not go through. 
My trading is still disabled and I was able to deposit another XXXX USD but have been unable to trade or withdraw any funds. 
I have submitted several tickets and requests to restore access to my funds with no response other than automated emails saying my request was received. I have over XXXX dollars worth of USD and different cryptocurrencies which I have not been able to access for almost a month.

I have also re-verified my personal information ( drivers license, address, selfie and personal video asking to reinstate my trading as I thought this might accelerate resolution of this issue.

Ticket numbers that I have received from Binance US for my requests include # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Checking or savings account

someone hack my checking account and transfer money by XXXX and also requested a balance transfer and did online shopping. Even my phone number, Driving license, and email address hack. I try to contact the bank and they are investigating all my case files and changing my account and debit card but still, I am in danger of an information hack. I like help from you guys to avoid hacking my information further.
Product: Debt collection

Apartment complex falsified a debt, claiming broken down unit that they never fixed for the XXXX XXXX  l lived in that unit. 
XXXX XXXX XXXX the office collected my deposit on the XXXX day, refused to show me the unit l will be renting, instead they took me to a model unit that was in perfect condition. They claimed that the unit l will be renting is still be cleaned. When they finally gave me the key to the unit l will be getting, it was no where close to the model unit they took me to. When l complained to the XXXX she said l will not get my deposit back if l don't take the unit they are giving me. Been that l was almost XXXX XXXX XXXX with a then XXXX XXXX XXXX daughter, and the thought of losing my hard earned deposit, l took what l was provided with. The management never changed anything in the unit for the XXXX XXXX that we lived there. 
Now l broke my lease because the living condition has become unbearable with mold and roaches in the unit ; and they withheld my deposit of {$1100.00}, reported me to collection agency, that l owe them {$2000.00}, even after keeping my deposit of {$1100.00}.
Product: Credit card or prepaid card

After 9 years with company they restricted my card and require documents from my authorized users. I do not have those documents and offered to remove them from the account. They replied that they would not be able to release the account unless I provided this information. This was never agreed at the time of adding the users. The company also never informed me this would be happening. User was declined while making a food purchase for {$20.00}. Additionally they said I would need this information for people that have been removed from the card.
Product: Credit card or prepaid card

On XX/XX/2019 I made a purchase in the amount of household items {$61.00} from a website XXXX  The website made numerous false claims, including incorrectly described merchandise, fake favorable reviews, fake XXXX  accreditation, fake customer service contact information, fake identity and address, and fake return privileges. 

I paid for the transaction via XXXX using a Bank of America credit card, and subsequently disputed the transaction with Bank of America. Additionally, the website XXXX is now subject to an active fraud warning from the XXXX XXXX XXXX ( XXXX  ), due to an extremely high volume of fraud complaints from many customers. 

Unfortunately, I have been unable to resolve this complaint. XXXX is KNOWINGLY defending merchants who process international money transfers under false identities, and KNOWINGLY defending merchants with active fraud warnings from XXXX. Bank of America has failed to address this situation in a reasonable and timely manner.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair credit reporting act Accoun # XXXX XXXX XXXXXXXX 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.
Product: Student loan

I am currently on the XXXX plan and submitted an application on XX/XX/XXXX to move to XXXX. I messaged Mohela because I had not been placed in processing forbearance and they responded on XX/XX/XXXX. They said I will stay in general forbearance until XXXX XXXX unless I contact them by phone to inquire about changing my repayment plan. They have multi-hour wait times and I already submitted my application and requested to move out of forbearance. I dont know what other info they could possibly need. I am pursuing PSLF and want to be placed in processing forbearance and have my plan changed.
Product: Checking or savings account

I am filing a complaint regarding identity theft involving my bank account. I recently discovered several unauthorized claims that were filed without my knowledge or consent. As the rightful owner of this account, I did not initiate or authorize these transactions. 

An unauthorized party gained access to my personal and financial information and used my account to fraudulently file claims related to my rent payments over the past few months. As a result, I was left owing my rental company {$13000.00} plus legal fees to avoid eviction. My rental company acknowledged that my account had been compromised but, despite this, no corrective action was taken by my bank. 

To address this matter, I have also filed a police report with the XXXX Police Department. I am seeking a thorough investigation and resolution, as well as reimbursement for the financial loss I have suffered due to this fraudulent activity. 

I appreciate your prompt attention to this matter.