23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$670.00} XXXX  XX/XX/2023 XXXX  XXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my report that I have not approved of. I have started my claim with identity theft with the identity theft.gov and I am requesting that these inquiries be removed. I have also contacted the companies that did that inquired as well as all three credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto financing Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Product: Checking or savings account

Took a settlement check into the bank where the trust account from my attorney banked with. This Bank is called XXXX XXXX XXXX. I was told that a 10 Day hold would be put on the check. I then took to the check to my banking institution Bank of America i deposited the check Wednesday XX/XX/XXXX of XXXX  i got a receipt of transaction from teller that said I would have funds of around XXXX available XX/XX/2023 and the remainder by XX/XX/2023. I came into the branch of Bank of America and now im being told that i would not have none of funds available until the XXXX of XXXX. The managers were extremely rude and i was told that they could not assist me any longer.
Product: Student loan

I requested a deferment when I lost my job at or around XX/XX/. On XX/XX/, Nelnet advised I needed to submit additional paperwork and I uploaded the requested documents to the website. Nelnet said to expect a response in 7-10 days. I never received one, rather on XX/XX/ I was informed my payment was past due and there is no record of my request for deferment other than the email I received and the forms showing uploaded on XX/XX/. I again re-submitted documentation on XX/XX/XXXX and as of XX/XX/ was informed : -- - We've received your request regarding your student loan ( s ), and it's currently being reviewed by our team. You don't need to do anything else at this time, other than making any payments per your latest statement. You will receive additional communication from us regarding your request within 15 to 20 days. 

Remember : We're always here for you! If you have any questions, please give us a call at XXXX, and we'll do everything we can to help you stay on top of your loans. 
-- - I've tried calling, but told there is more than 85 minutes of wait time in the past. Today, XX/XX/, I called right at XXXX XXXX and was told it would be 1 minute wait. After 25 minutes I was offered a call back and am waiting for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continually complain against Experian and XXXX XXXX XXXX XXXX XXXX XXXX ) because they accessed my credit report without my permissible permission on XX/XX/2017. I continually request the permissible permission but I know it does not exist. XXXX XXXX plays word games like XXXX is currently doing with XXXX by denying, deceiving, and XXXX then labels all complaints as duplicate. Experian replies with a very nice deceiving reply mixed with donuts & XXXX but neither have sent copy of the permissible permission. So I will continue to ask for the permissible permission used by these XXXX XXXX world companies to access my credit report on XX/XX/2017 until they answer. It would also be nice for an employee to stand up against XXXX and Experian and say this isnt right.
Product: Checking or savings account

XX/XX/. I was notified that my account was frozen I called them. They told me that a wire transfer came in from XXXX XXXX XXXX. They deemed it fraudulent I called them ask them what the policy was I was told by XXXX a back office supervisor that they needed to verify the funds And they wanted a phone number that they could call the person who sent the wire transfer. I provided it her name is XXXX XXXX. I gave them her phone number they called her and verified the phones. They then told me that they had to verify me are you kidding me they gave me a business account and they cant verify it. I verified my EINnumber from the IRS tying me. To my business XXXX XXXX now theyre telling me they still cant verify it isnt an interesting they gave me a Business Acct and now they can verify it. They are stealing my money. I need somebody to intervene and give me answers please
Product: Mortgage

My account was transferred to a new servicer in XXXX. From XXXX XXXX to SPS. I did not find out about this until XXXX as I was about to make my payment in early XXXX. I wasn't given enough notice but I still made my payment. I then began receiving information about my escrow account- they sent me a check for over {$500.00} as a refund then put a stop payment on the check. When I called to inquire, they said they need to do a full escrow assessment at the beginning of the year. I received a notification today that I had a letter in my account. When I opened the account, I saw that the numbers were off for my escrow and that they now issued me a check for over XXXX. Now that it is mid XXXX, I am realizing that although my transfer officially happened in XXXX, the new company ( SPS- Select Portfolio Servicing ) did not pay my semi annual property bill. I see that I am accruing late fee interest on the account and I do not have extra money to address the increased fees. It should be illegal for mortgage companies to sell off accounts during certain times of the year, especially as I was not told about this move until very late. They also did not do their due diligence when preparing to hold my new mortgage. There has been so many errors that I do not understand how it has not reached criminal levels. Now I am left trying to figure out why they have not paid my property tax that was due XX/XX/XXXX and why are they not responsible for paying the late fee?
Product: Money transfer, virtual currency, or money service

Signed up for Cashapp, which is a XXXX company, in XX/XX/2022. My very first transaction using this service was fraudulent, so I filed an issue that the person who I'd sent money to had defrauded me. 

It wasn't much money ( {$30.00} ) but that is a poor way to start off with a financial services company so I contacted them and asked them to close my account, specifically because I don't trust them with my banking info. 

XXXX/CashApp has failed to delete my personal information even though I've requested them to. In addition, the only way to deal with them is through the app, which I will not reinstall because I do not trust them, or to deal with them through various social media platforms, which I don't use, either.

I am thoroughly convinced that CashApp 's sole purpose is to facilitate fraud. Not intentionally, but its poor procedures and terrible customer service have made this company a fraudster 's paradise.
Product: Mortgage

Midland mortgage is attempted to file unexplained additional charges to my account. 

they also are not providing reasonable accommodations for a person with ADA and are violating that. 

as of XX/XX/2023 they filed that my account was passed due without notifying me through the mail service as required by law or making an attempt to call me if there was a payment that was not processed correctly. 

they also have not been correctly processing payment information online.
Product: Debt collection

There is a medical collection against me for {$0.00} dollars and it went into the credit bureu and it had a negative impacted my credit. i tried Fixing it with a dispute but its still there and the debt has been payed so I dont know why it even went into collections
Product: Credit reporting, credit repair services, or other personal consumer reports

List below are unauthorizedcredit pulls using my personal information XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Credit reporting

I am writing to dispute the disposition of the date closed on XXXX accounts on my Experian Credit Report. These accounts were with XXXX XXXX XXXX XXXX, and show the date " negative '' as of XXXX, but they were closed on XXXX/XXXX/13. XXXX XXXX closed and wrote off all of my counts even previous to my filing for bankruptcy and at the time of bankruptcy notified me of such, as well as notified me that my membership was terminated. It is impossible by virtue of this fact, that the accounts are shown with a " negative '' over 1.5 years later. Experian has claimed these items to be " verified '', but they are inaccurate.
Product: Credit reporting or other personal consumer reports

Since around 2023 affiants personally identifiable information continues to be trafficked by third parties without consent, or copyright license through an organized criminal scheme to deprive liberty under color of law. XXXX  has been denied housing due to the dissemination of false and derogatory information by credit reporting agencies and tenant screening companies, who knowingly conspire to traffic in materially false statements to willfully and unlawfully possess, use, store, and traffic copyright protected indigenous property for illicit financial gain and profits. 
These entities have willfully infringed upon XXXX 's exclusive rights as a copyright holder protected under the XXXX XXXX 's copyright registration XXXX, with the XXXX accession XXXX, by trafficking materially false information and engaging in unlawful screening practices against protected persons and property of the indigenous people
Product: Student loan

I wrote a letter with my expenses. They refused to accept it. They are selfish. I cant afford {$240.00} per month! I sent the paystub. And they need to realize that they need to reduce the payments or they need to pay it off!
Product: Money transfer, virtual currency, or money service

I am the sender XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, Cell Number ( XXXX ) XXXX, e-mail : XXXX Date and Time of Transmission : XX/XX/2020 at XXXX XXXX  ( CDT ) XXXX XXXX  ( EDT ) Receiver XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX. 

I went on to XXXX store, XXXX XXXX, XXXX XXXX, Texas   XXXX  ( XXXX  ) XXXX to send money to my girlfriend of {XXXX} with {$XXXX} fee, total {XXXX}. My girlfriend called Sunday XX/XX/2020 in the afternoon that she to get money and she told the vendor said my name was spelled wrong and could not receive money. I called Western Union and the said my name was spelled correctly. On Monday XX/XX/2020, I spent an hour on the phone to get hold of Wester Union, several times Western Union system would hang up after twenty minutes on the telephone line. I finally talked to someone and I explain the situation and Western Union customer service gave a number to refund my transfer and the customer service at the store that the number Western Union is not valid. I ran out time and I had to get on the bus and I could not find the number that Western Union gave me. I spent XX/XX/2020, calling and e-mailing my problem. I tried explaining that I want a number to retransmit the money to my girlfriend. Western Union says all need to do is to use the original Mtcn Number and the store will retransmit, and the need to call Western Union. The store is saying Western Union needs call them. Several times I asked for a supervisor and they told a supervisor would call me in five minutes, one of the customer service named was XXXX and I never got a call. Western Union sent me several e-mails saying they receive my e-mail with no resolve. On XX/XX/2020, I called for two hours and I was took the same story by Western Union. 
I just want my money be sent to my girlfriend. Western Union refuse to give me refund number to retransmit.
Product: Mortgage

notice of sale of mortgage was issued by Personal Finance Center, I approached the company and inquire if a payment plan could be done, the VP herself said that they don't do payment plans and the amount in arrears would have to be paid in full to stop the foreclosure or walk away from the house. I was never contacted by any loan officer from Personal Finance Center to offer any assistance or options for me to make payments, no notices were given, the only notice that I received was from their attorney informing me of a date and time for the sale of the house. Personal Finance Center did not afford me with any options to try and assist me in making payments, only to foreclose on the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

The included inquiries were found on my credit report. I called Transunion and they have refused to help me. 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, WI XXXX. Made on XX/XX/XXXX 2 ) XXXX XXXX.XXXX XXXX XXXX XXXX, XXXX , WI XXXX. Made on XX/XX/XXXX. This is stressful as I have tried to go through the proper channels to have this removed and I feel this should be taken more seriously. Transunion calls it a " glitch '' in their system and now will not listen to those effected by it. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX XXXX I have received three credit card statements from a company I do not belong to. The company name is XXXX credit. First one received XXXX XXXX. Next one was XXXX XXXX. Lastly, today 's date in the mail for XXXX XXXX. I feel my voice not being heard and nothing is being done. I called the company, XXXX but they had no passion or concern to help even with proof that it is not me. I need this of my credit report because it is unfair and unjust. The statements I see belong to an account ending with XXXX. I own nothing under this account ending. I complain but still get statements in the mail to this date.
Product: Credit card or prepaid card

I purchased items from Lowe 's under a deferred interest promotion. These items were to upgrade my home. I had a balance of XXXX in XXXX. Apparently, I missed the window to pay off the promotion balance and in XXXX interest of {$1400.00} was added to the account bringing the balance owed of {$3100.00} which I have had difficulty paying as I am a retired XXXX year old woman. While this practice has been in question and investigated periodically, I now that it is still deemed to be " legal '' ; however, I feel that I was taken advantage of during a time when everyone was distracted by the pandemic. I have been a long time customer of Lowe 's and have a great history of paying on time. Even though nothing my come of this investigation, I still want to go on record as complaining about this tactic that was used to advance someone's pocket by taking advantage of me during a time of upheaval.
Product: Credit card

I have gotten 5 calls/day from XXXX XXXX and CitiBank/Best Buy about me opening a credit card account from there in XX/XX/year> and my payments that are due. I have not opened up any credit card account at either place. XXXX said I owe them over {$400.00} and Best Buy said I owe them {$1400.00}. Because of this and me being unaware, my credit score has dropped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent debt collection practices  : PROCOLLECT IN  C  XX/XX/XXXX  to present  XX/XX/XXXX .      I previously filed a dispute and never received notice of outcome or request for further information with  XXXX  in  2016  once I received a letter from the aforementioned collection company informing me I owed them money on behalf of  XXXX   XXXX  in  XXXX   XXXX , IN  XXXX  ( I believe they are now run  by    XXXX    a Real Estate Company ). Th ey have changed companies many times since I lived their and were undergoing foreclosure/bankruptcy when I moved out after my lease was up.     The letter I received from PROCOLLECT stated I owed in excess of  1400.00 for  damages made to an apartment I hadnt lived in for months. I was NEVER contacted by the actual apartment complex or manager  XXXX   XXXX   ( who  I had many issues with over the course of my tenancy ). I immediately contacted the apartment complex, left messages and emailed asking to speak to the actual management company and not  XXXX   XXXX . The only call I got was from her and she refused to give me the number to contact anyone but herself ( we had some very real issues when she accepted my dog and falsified his breed on paperwork to get my deposit money and then subsequently told me he was not allowed to stay there due to his breed and I couldnt renew my lease, this was also after my neighbors dog attacked mine and he threatened me which resulted in his arrest and the removal of his dog ). That caused  XXXX   XXXX  some issues when trying to explain why she accepted my dog because of his breed. So at this point she was trying to cover herself and upset with me because I filed a report. The letter from collections stated I owe monies for damages to the apartment. I asked for proof of damages, pictures a signed copy of the move in and /move out walkthrough that they never showed up to complete upon either. I also again was never contacted by them in an attempt to collect any monies even though they had my address and phone number. They also did not list the  XXXX  pet deposit with my  XXXX  security deposit I paid. On the invoice I received from collections it wasnt listed as being deducted from the alleged damages. Neither company can provide any documentation to support these charges. I will also be filing a complaint with the better business bureau and contacting the newest management company in regard to this matter and detailing my interactions with  XXXX   XXXX . The only reason this ever went to collections is because I was never notified for a reason. Neither of these companies have any proof of debt other than  XXXX   XXXX  falsified invoice.
Product: Credit reporting or other personal consumer reports

I asked that transunion, XXXX, and XXXX delete and remove inaccurate information from my credit report they are showing third parties on my credit report that are attempting to collect a debt that I had No binding contract or agreement with on behalf of the original creditors. Original creditors are XXXX XXXX  XXXX that I had a contract with not XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX contact number is XXXX also known as XXXX XXXX. Other said account that I have no binding contract with is XXXX XXXX  located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX contact number is ( XXXX ) XXXX original creditor was XXXX XXXX.I demand these said accounts be removed from my credit report due to inaccuracies I have, nor had any association with the following third party businesses nor did I have a binding contract with the said stated third party businesses and they were not granted permission to any of my credit reports or credit files by me instead its was through the original creditors in attempt to collect a debt. By law they are not allowed to access or report any information pertaining to the original accounts without a binding contract these are third parties instead of the original creditors that I did have a contract with I demand these accounts be removed from my credit reports with all three credit bureaus XXXX, transunion, and XXXX immediately