23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked.
Product: Student loan

I graduate College in XXXX with approximately {$18000.00} in student debt with XXXX XXXX. It was an initial interest only payment for 7 years, then a structured payment for the remaining life of the loan. In XXXX my loan was transferred to AES and my auto debit payment continued every month. Due to an error on AES ' part it was applied to interest only for another 7 years. 14 years of paying {$110.00} per month for a total of approximately {$19000.00}. I have paid more than my original debt, but still carry the full amount on my account because of their mistake? or is it fraudulent behavior? After researching this it seems there are many others in the same situation as mine ; all starting around XXXX. This type of activity is criminal. I am a consumer who paid every month, in good faith, and amount that was requested to satisfy my loan in a timely manner. Individuals have gone to jail for less than this. I will not stop pursuing this until a fair, reasonable accommodation is made. I repeat myself, this is theft, someone needs to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I disputed this account which was originally reported by XXXX XXXX XXXX XXXX account number XXXX for a debt they are claiming I owe XXXX XXXX and reported it to my XXXX Credit Report. 
XXXX looked into the investigation and informed me that they removed this account on XXXX account XXXX and amount of {$320.00} and had it deleted from my credit report. 

XXXX XXXX XXXX XXXX illegally added this back to my credit report back on XXXX so I then disputed it again by writing XXXX on XXXX claiming I owe XXXX XXXX under my Social Security number. 

After their investigation, they wrote to me on XXXX to inform me that this was deleted from my report. 

Now the company XXXX XXXX account number XXXX trying to illegally add the same creditor under a new name XXXX XXXX XXXX back to my credit report under a new account number but same amount of {$320.00} At this point when you review the evidence, you'll see that the account numbers do not match for the original accounts nor does the name match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 

Furthermore, if you look at my report with XXXX versus my report with Experian, they are being reported under two totally separate companies with different addresses. 
Moreover, now I have discovered that the items have been reinserted on my credit report under a fraudulent account number and name. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law and it is why I am reaching out to the CFPB to help resolve this matter quickly. 

XXXX XXXX XXXX XXXX, VA XXXX Cc : Attorney General 's Office Cc XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2014 my daughter started an Application online to borrow money from Sallie May. I agreed to co-sign her application. After SM disclosed their APR 11.99 % we decided not to proceed with them.SM ignored luck of my signature or copies my SSN, ID ( that was required for he loan approval ) and, having loan that was not legally established, they transferred money to the University. When we found out that SM sent money, refund to SM was requested. Due to bureaucracy, it did not happened immediately. SM started to charge me fees!!!! 
Moreover, even though I was disputing fees they were trying to collect, they already sent false information to the Credit Report System! My Credit History score dropped due to SM false report.
Product: Debt collection

To whom it may concern, I've attempted to dispute a collections account on my credit report from Account Services. I never received notification of this collections account until I submitted a dispute through XXXX. When I received the letter from Account Services it provided a website to pay the debt however, this website does not exist. The following message is received when attempting to visit the website " XXXX server IP address could not be found. ". I've attempted to call the number provided on the letter and was sent to a voicemail in which I left a message and have not received a callback. It is unprofessional and ridiculous to provide a false website in your companies letters to consumers and then not return phone calls. I'm in the process of purchasing a home and was attempting to get this resolved ASAP however, Account Services has made this difficult. A business should proof read their customer letters, ensure they're providing correct and accurate information and have someone actually answer calls. I can't even resolve the account because the website provided on the letter is fake. I've been misled. I demand this collection be removed from my credit report.
Product: Credit card or prepaid card

I manage a travel agency and I use my CITI credit card for air tickets booking. During the past few months, due to the impact of the coronavirus, hundreds of tickets were cancelled and the money went back to my CITI credit card. But Citi bank has made it so difficult to refund the money to my checking account. 
Last month when the total money they owed me became as much as {$200000.00} USD I had to file a complaint with this same office and they eventually contacted me on XX/XX/2020, and issued the refund a few days later. 
Today, the money they owed me reached {$33000.00} and after I contacted CITI I was told my request for a refund was declined because of open disputes. This doesn't make any sense? I am very dissatisfied with the way I am treated and demand whatever CITI owes me to be refunded asap. I will make complaints to all places possible. if this isn't resolved in a timely manner.
Product: Money transfer, virtual currency, or money service

Here is a timeline of the most important actions regarding the XXXX  {$160000.00} wired to XXXX, to beneficiary XXXX XXXX XXXX : XX/XX/XXXX Wire was sent in XXXX, with Senders Reference Number XXXX - XXXX - XXXX, XXXX Reference Number XXXX -Confirmation Receipt attached-. 



XX/XX/XXXX Amendment XXXX message was sent with field XXXX Remittance Information to credit funds as follows : XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Reply from XXXX XXXX XXXX, XXXX, in XXXX XXXX was : PLS BE ADVISED THAT UNFORTUNATELY WE ARE NOT ABLE TO ATTEND YR AMENDMENT REQUEST SINCE YR XXXX WAS ALREADY EXECUTED WITH YR ORIGINAL INSTRUCTIONS. AMOUNT PAID TO XXXX XXXX XXXX ( FEES DISCOUNTED AS PER YR FIELD XXXX OF YR XXXX ) VD. XXXX UNDER OUR REF. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX As per beneficiarys request, we opened a XXXX to XXXX the wire. XXXX XXXX XXXX. No response from beneficiary bank. 



XX/XX/XXXX A second XXXX request was sent. 



XX/XX/XXXX A third XXXX request was submitted. 



XX/XX/XXXX We were informed in a call with XXXX representative, that monies were in XXXX XXXX XXXX since XX/XX/XXXX with Reference XXXX. With that information our bank sent another XXXX, and our Intermediary bank replied the following : PLS BE ADVISED THAT UP TO THIS TIME, WE HAVE NOT RECEIVED ANY REPLY FROM XXXX. WE HAVE SENT ANOTHER REMINDER TO XXXX AS SOON AS WE RECEIVE A REPLY FROM XXXX WE WILL LET YOU KNOW XX/XX/XXXX We were informed XXXX XXXX XXXX had reached out to XXXX to recall the wire and waited for reply. No reply from XXXX. 



XX/XX/XXXX Again we were informed through XXXX XXXX that beneficiary was on XX/XX/XXXX in the amount of XXXX XXXX under ref XXXX. kindly advise if client has now been able to locate funds. 



XX/XX/XXXX XXXX wire room escalated to their contacts for assistance. No reply from XXXX. 



XX/XX/XXXX We requested our bank to send another Recall message with information provided by XXXX, which Is the same as the message XXXX provided on XX/XX/XXXX XX/XX/XXXX Our Bank informed us they were not able to submit more Recall requests. 



XX/XX/XXXX XXXX XXXX XXXX that they have submitted a Case ( XXXX ) with a request to have the beneficiary 's bank provide confirmation of where the funds were credited, but have yet to receive a response. In regards to the most recent XXXX communication, the request is still in progress. You can expect to receive further information within five to eight business days. If you need to contact us further regarding this request, please reference the following file number : XXXX -no XXXX  Messages provided-
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. Itseems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on mycredit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soonas possible XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} ; XXXX XX/XX/2022.
Product: Mortgage

the Office of Comptroller of the Currency ( " OCC '' ) and Federal Reserve Board of Governors ( " FRB '' ) each issued consent orders ( the " Consent Orders '' ), charging that U.S. Bank had " failed to devote to its foreclosure process adequate oversight, internal controls, policies, and procedures, compliance risk management, internal audit, third party management, and training ; and failed to sufficiently oversee outside counsel and other third-party providers handling foreclosure-related services. '' ( Id. 11. ) The Consent Orders " required U.S. Bank to remedy these issues. 

I am a person who was injured by these failures. 

US Bank has failed to remedy me for my injuries despite me asking, US Bank and it's in House Counsel continued to injure me in retaliation for me reporting and asking for remedy.
Product: Debt collection

I have 3 problems. A lot of my debt for my student loan has gone into collections. My most recent problems first. I recently had a lot of debt taking off my credit report. Then I received a letter from a debt collector Ive been dealing with for over 10 years. The recently sent me a letter to resolve all issue with a one time payment of XXXX dollars for student loan debt. When I called them back I tried to enter my account number and it didnt work. Then I noticed they changed the date to make it look like I just started dealing with them so this debt will remain on my credit report for the next 10 years. I also noticed the account number they gave me didnt work when I called them XXXX {$58000.00} is the loan. Thats the first problem. I recall dealing with this financial institution since XXXX. Action financial services. I feel like some is committing fraud to try to keep my loan status on my credit report. Also my next problem is I went to XXXX XXXX XXXX and em a XXXX graduate. The company got sewed for a million reason and there was I believe a class action law suit filled that gave people who went to the school student loan forgiveness. Ive asked this institution for as long as I can remember to help me out with this and they always said they could as soon as I put my loans into Forbearance. Last I remembered have full custody of XXXX XXXX XXXX   children and having to sacrifice my whole career for them. Needing XXXX  and constantly having to go to doctor appointments. I was told that this should eraced my loans or at least made a difference. Needing help and dont know where to turn.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXXXX/XX/2023.
Product: Credit reporting or other personal consumer reports

My information was exposed in data breach I am a victim of identity theft please remove these accounts with four business days under section 605b.
Product: Consumer Loan

I recently had a recent installment loan with XXXX XXXX XXXX. I defaulted and agreed to pay down the loan by XXXX a month. In which the company agreed. After doing so for the past 3 months I received a call from someone at XXXX ; advising me that I am being sued and soon to be prosecuted for writing a bad check. I asked what is this regarding and they advised me to speak to Solidus group at XXXX. I Then called, and I was advised the same thing that I am being sued and if soon to be prosecuted criminally for writing a bad check, I advise the gentlemen XXXX XXXX with Solidus group I never wrote a bad check to XXXX ; I changed my checking account info due to the recent XXXX. Credit and checking acct Hack ; and that I have been in a payment agreement with XXXX for the past 3 months so I am unsure as to why you are threatening me. I advised them that I am in a financial hardship due to paying my grandmother medical bills and I am only able to pay the XXXX in which XXXX agreed to ; I was told that payment arrangement is not acceptable and we are going to prosecute you civil and criminally.I continued to ask repeatedly during the conversation is this a collection agency and the gentlemen refused to answer the question. PLEASE HELP.
Product: Mortgage

On a monthly basis First Tennessee/First Horizon currently ( as of XXXX XXXX ) continues to report late payments to my credit bureaus, for a Home Equity Line of Credit Mortgage loan that was charged off by First Horizon in XXXX. I have repeatedly disputed the accuracy of the amount of the balance that First Horizon has been reporting and requested them to provide closing documents that demonstrate the disbursement of funds to reconcile this balance. First Tennessee has responded by informing me that it is not their responsibility to provide these documents and they have stated that they did not distribute funds at the closing, that would have been done by the title company. The mortgage company that was directly involved was First Horizon Home Mortgage, which is a subsidiary or affiliate of First Tennessee. The title company directly involved in the closing was XXXX XXXX, which was brought into the transaction by First Horizon. I have attempted to track down the requested disbursement of funds documents by contacting XXXX XXXX ( this company is no longer in business ) and First Horizon in XXXX, MI ( this company is no longer in business ). The State of Michigan XXXX shows that First Horizon had not had a license since XXXX, but did show as an affiliate of First Tennessee in XXXX ( eliminating the requirement to be licensed through Michigan ). The closing with First Horizon that is being referenced occurred in XXXX of XXXX. As I have been in contact with First Tennessee attempting to reconcile the balance, they confirmed that First Tennessee closed all of the First Horizon offices in Michigan, but still refused to provide documentation related to the disbursement of funds during this closing. In conversations with First Tennessee, representatives have failed to even acknowledge the first mortgage that was a part of this transaction. This is important because the first and a portion of the second mortgage account for the dollar amount that was due to XXXX Bank ( holder of the loan at the time of the closing ), that are not being accounted for, in addition to other fund disbursements that First Tennessee is not accounting for. The route cause of this problem is the fact that First Horizon suggested that this transaction be completed by splitting the mortgage into a first ( mortgage ) and second ( home equity line of credit mortgage ) to avoid having a " Jumbo '' loan. I have since found out that the total of the loan in question would not have been above the amount that would have qualified as a " Jumbo '' loan had it not been split into a first and second.
Product: Payday loan

On XX/XX/XXXX I was checking my credit report and noticed a new collection entry from Midwest Recovery Systems. I called customer service and was told I had an outstanding payday loan and this company had purchased my debt and was demanding {$690.00}. When I explained to the rep that I had no knowledge of this and why was I not contacted before it was submitted to the credit bureau she had no explanation. When I asked to verify when this occurred she was unable to provide me with that information. She said " maybe in XX/XX/XXXX '' but was not able to provide any other details. I asked for something in writing in order to research this, and she sent a very vague letter via email. I do not owe this debt and this company has submitted this to all my credit reports without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their investigation didn't fix anything, all the inaccurate, misleading errors are still on my credit report..they have violated my rights!!
Product: Debt collection

on XX/XX/XXXX, an amount of {$16000.00} was taken from my XXXX  account for a debt that was previously paid for with the help of my attorney with proof of paying a XXXX XXXX XXXX with a settled amount. throughout the years i would get call demanding i pay this debt ( which was paid ) my Attorney followed up every time with proof of payment!!! 

Now years later a XXXX for the collection took place without my knowledge finally to get information after my money was taken that its ifs for another purchase made the same day and is still unsatisfied my attorney sent all documentation and dmv records showing ownership of only 1 motorcycle the collector then said this is fraud. 

Please i am a father to XXXX children and a wife that has taken a emotionally and physical hardship due to this the was one point where our accounts where negative {$230000.00} due to the levy and the state laws my family actually went hungry!
Product: Credit card

The credit card offers {$120.00} credit for XXXX XXXX or XXXX ( trusted traveler ). The terms state " To receive a statement credit up to {$120.00}, you must use your Venture or Venture X card to either complete the Global Entry application and pay the application fee, or complete the XXXX XXXX application and pay the application fee. Credit will appear within XXXX billing cycles, and will apply to whichever program is applied for first. XXXX statement credit per account every XXXX years, and your account must be open and in good standing when the credit is applied. '' XXXX qualifying charge of {$50.00} were made on XXXX XXXX XXXX  and on XXXX XXXX XXXX The XXXX charges totaled {$100.00}. 

A statement credit ( manually applied by an agent, not auto-applied ) of only {$50.00} was given. I was expecting a statement credit of {$100.00}, not {$50.00}. I spoke to a Capital One supervisor and was told that the statement credit is valid for only XXXX transaction up to {$120.00}. Thus, I received credit of {$50.00} for the XX/XX/XXXX charge, and not the second charge. 

However, the terms are silent and do not explicitly state valid for only XXXX transaction. Thus, it's reasonable to assume the benefit can be consumed with multiple transactions.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file will be appreciated. As of the moment I feel that the account on my file needs to be repaired. For that reason, I request that all of the attached inaccurate information listed in the account on my credit file be removed immediately : XXXX XXXX  Date Opened : XX/XX/year> XXXX Balance Owed : {$0.00} The information for this account on my report is incorrect. Although the account is closed with a XXXX balance, it is being reported as past due. Please correct this immediately. Either provide evidence that the information is accurate or remove the erroneous entry.