23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX is discriminating against minorities & committed fraud without consent from student. I was approved for unsecured loan & grants for attending my 1st time doing XXXX XXXX XXXX XXXX. I started XXXX  XXXX, which started around XXXX XX/XX/2023. I was in an XXXX  accident in XX/XX/2023. So Im still working to provide & started school  in XXXX XXXX. When I got started on courses school  work etc. I was having trouble getting in touch with my teachers to see what the best options were available to me at the time of need. The teachers ignored my needs and reported I never attended class which I did. All my classes are online so it was just a matter of getting the right teachers to help. After I noticed they sent my grant money and loans back to where I applied to get them without my permission. Never did I once receive a call from my teachers, financial aid department, or advisor allowing me to know what is best option for me at the time.
Product: Checking or savings account

I submitted a {$XXXX} deposit via paper cheque on XX/XX/2024 at XXXX XXXX XXXX to my XXXX XXXX checking account. A XXXX XXXX employee on-site stated that the branch was not open during normal hours due to an attempted break-in the previous evening. I am an attorney and the cheque is from my client 's XXXX checking account. 

XXXX XXXX  informed me that a hold was placed on the deposit, and that the funds would not be available until XX/XX/2024, which is XXXX business days after the deposit was made. XXXX XXXX stated that the reason for the hold was XXXX notating " suspicious deposit activity '' on the XXXX checking account on which the cheque was drawn. 

I believe that the length of this deposit hold violates the XXXX Funds Availability Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been recently on a credit building journey, I have been building my credit profile up for about 1 year now and I try my best to monitor my reports best I can, upon reviewing my report which I try and do monthly to my surprise I noticed my credit score dropped a lot of points I clicked on what the factor was for the drop in points and thats when I came across the FRAUDULENT account in question. It says it from XXXX of XXXX and that the collections was opened up in XXXX of XXXX, XX/XX/XXXX is when I noticed it on my account and was in my credit report by that time. this charge and collection is FRAUD I did Not commit these acts I am a Victim and a TARGET OF IDENTITY THEFT Ive contacted the credit bureaus and Ive tried to contact the company which holds the debt and they talked to me like I was incompetent and said those was nothing that can be done and they tried to get me to pay for Account that was FRAUD, Ive requested that the company XXXX XXXX XXXX send me a FRAUD PACKET IN THE MAIL the company said there was nothing they can do, Im hoping I can have someone on my side to fight this fight with me for these FRAUDULENT CHARGES ON MY CREDIT REPORT. I am currently trying to purchase a house and I dont think its fair that THIS FRAUDULENT ACTIVITY is holding me back after Ive worked so hard to build my credit profile. 

The original creditor as reported on my Credit report is XXXX XXXX Illinois XXXX
Product: Money transfer, virtual currency, or money service

This happen XXXX XXXX someone send me a message, i thought it was my friend but i guess they hacked my friends phone and they requested money from me i was thinking it was my friend and they scam me with {$500.00} dlls i called the Bank after and they open a claim but they never responded
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 Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX  Account number 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: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am a   XXXX   and have been   XXXX   XXXX   in a low-income   XXXX   XXXX   continuously for the past 5 years, so I am now entitled to some   XXXX   loan forgiveness on my loans. I submitted the correct form to both Navient and my other loan lender  ( F ed  Loan Servicing   ) . Navient never e-mailed or called to let me know that they received my form ( on the other hand, Fed  Loan  did confirm with me  ).  It has been more than a month since I mailed my form in and Fed  Loan  has already responded to me with a decision about my loan. Navient has yet to contact me. I called to check on the status of my form submission to Navient ( on  XXXX  ) since the other lender had already processed the form completely. The customer representative at Navient then told me that my form had not been received yet, when I pressed several times and said that that was shocking given that I mailed the other company the same form at the same time and they had already processed it, finally the representative told me that they did in fact have the form submitted and that now it would take between 60 and 90 days to process it. The other lender processed the form in less than 30 days from the time they received it, so it seems VERY inefficient that Navient needs to take 60 - 90 days to process the same form. I need to submit additional paperwork to Fed  Loan  and they informed me that my loan would automatically still be deferred once they receive this paperwork while they process it. My loan is supposed to start repayment for Navient in 30 days, less than the  60 - 90  processing days they claim it takes to process the loan. So, I asked for that same deferral that the other lender offered  (  Navient did not offer this to me on their own, which seems crazy because if you did n't know that that was an option you might think you had to repay your loans when you did n't!  ).  When I asked for this, the customer representative from Navient then proceeded to ask me about my employment status, my marital status, my household income - questions that should not have been asked for the company to defer my loans because they were taking a long time to process a forgiveness form!
Product: Credit reporting

THE ONE TIME ANNUAL CREDIT REPORT WEB-SITE IS NOT WORKING. IT WILL NOT ALLOW YOU TO FINISH TYPING IN YOUR INFORMATION, BEFORE IT FLIPS YOU AWAY. WHY WE CAN NOT GET OUR ANNUAL CREDIT REPORT ONLINE, ESPECIALLY WITH EQUIFAX, WHO DOES NOT REMOVE NEGATIVE INFORMATION AND ADDRESSES, THAT I KNOW NOTHING ABOUT.
Product: Prepaid card

XXXX. On XX/XX/year>, I made a purchase using Afterpay at the XXXX XXXX for an amount of {$260.00}. 
XXXX. Due to insufficient funds on my card, XXXX requested an additional {$3.00} to complete the transaction. However, instead of charging only the difference, I was charged the full amount a second time. 
XXXX. XXXX has since refunded the full amount of the purchase, and I have confirmation of this refund. 
XXXX. Despite the refund, Afterpay continues to charge me the scheduled installments as if the purchase had been successful. 
XXXX. I have contacted Afterpays customer service multiple times, provided all necessary documentation, but the issue remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer finance Bure. 
I'm trying to remove a lien against to my house. Lien was put by XXXX XXXX XXXX. I refinance my house in 2005 with XXXX XXXX XXXX. XXXX XXXX   XXXX  was supposed to pay off {$9500.00} from XXXX XXXX XXXX XXXX XXXX to XXXX/XXXX. XXXX XXXX XXXX  or the XXXX XXXX XXXX never paid the loan to XXXX. the XXXX tried to collect the money from me which I thought it was all ready paid off. The loan went to collection and that ruined my credit score and I'm not able to get a car loan or refinance my house. Since then I have been paying very high interst on my credit cards and all of the loan that I apply. The collection company XXXX XXXX XXXX take over the collection and took me to court for {$1700.00} and levyed my bank account of about {$800.00} and put lock on my safety deposit box, which have my daughter 's and my passport in it. I can't get it out until this day. I'm trying to refinance my house to pay my x- husband and no one wants to give me a loan because I have a lien against my house from XXXX XXXX XXXX for {$19000.00}, which was XXXX XXXX  XXXX faults, now own by Chase Bank . I called Chase Bank and XXXX XXXX XXXX no one wants to help me to remove the lien off my house. XXXX XXXX XXXX  is not exist anymore, I can't get hold of the Escrow company or the XXXX XXXX XXXX. Please help me to remove this lien against my hose and find out what happened to the money that I paid to them. My mortgage loan is still with Chase Bank they been collecting interest on this loan and XXXX XXXX XXXX been collecting interest and late charges on this loan, now it is add up to {$19000.00}
Product: Payday loan, title loan, or personal loan

They gave me a line of credit for {$2600.00} i and from that i only receive {$2300.00} on XX/XX/21 i already pay back {$1000.00} to this date XX/XX/21 and they said that i still owe them {$2600.00} all the money that i paid when to interest i still owe more money that the gave me This is a completely rip-off.
Product: Credit reporting or other personal consumer reports

Mr. Cooper sold my loan to XXXX on XX/XX/year>. XXXXXXXX XXXX officially took over the loan XX/XX/year>. During the transfer period, Mr Cooper declared that I missed my XXXX ( XX/XX/year> ) mortgage payment ( even though they have record of my payment ) because they increased the amount due in escrow, and my automatic payment was for a lesser total amount. 

During the XXXX transfer of my loan, I was not able to pay Mr Cooper the amount owed to escrow to supplement my XXXX payment. I also did not have an ability to pay XXXX as they had not set up my loan yet, it was still pending ( XX/XX/year> ). I was not told when the transfer to XXXX would complete. I was told not to do anything about this supplemental escrow amount by the customer service reps at Mr Cooper as they said it would all work itself out in the transfer process and that it would not affect my credit. 

I wish to dispute this claim that I missed my XXXX payment, as I have record it was paid but not applied, and I had no mechanism to supplement the additional escrow. I can not dispute this claim however. 

When I call all of the phone numbers listed online for Mr Cooper customer service, I get the same automated recording that asks me to give either my SSN or my Loan #, both of which result with the same response : " Your loan has been transferred to another lender, contact them. Goodbye. '' I can not get anyone on the phone to dispute this charge. I believe I, as a previous client of this lender, should be able to speak to someone to clarify this issue. I believe they are acting in bad faith with their lack of response to me to clarify a nuanced issue and the result is adversely affecting my credit report with lending agencies.
Product: Payday loan, title loan, or personal loan

I started with KeyBank for a personal loan and they keep changing what they were going to do for me. The loan process took over four months to get and that was because I was on the phone every day with them. They would not tell me when they need paperwork and kept delaying the loan. The loan was finally finished after causing great hardship on paying on some of the debt that was being consolidated. Then when I thought everything was done, checks were returned because KeyBank mailed the check to the wrong address. Took them almost 2 months to do something about the check going to the correct address and that is only because I called and provided the correct address. XXXX in the corporate office was useless and told me that nobody was above him within KeyBank to talk with. I spend weeks, days and hours doing the work for all the KeyBank employees that I was dealing with. Now that the loan is set, I paid a {$1000.00} payment in XX/XX/2019 to go directly onto the principal of the loan. I have now found out that KeyBank has suspended that payment and using that payment as my monthly payment. I was told that this is not legal to hold payment in suspense. I was also told that if I make any extra payments on this account for the principal that will be held for the regular payment. I was told that payment will be pulled on the XXXX of every month and I can make any extra payments that I want and now that is not true.
Product: Debt collection

XX/XX/XXXX, I received an email about collecting debt on an account that has been collected on, but XXXX XXXX  keep selling my personal information yo another collection company called XXXX XXXX. I'm not paying another dime for an account that has already had a judgment placed against me. Secondly, this account is removed from my credit report in XX/XX/XXXX,. I'm not paying first national bank of Omaha, XXXX XXXXXXXX XXXX XXXX XXXX. I will be filing a lawsuit about all 3 credit collection agencies for abusing their collection rights.
Product: Checking or savings account

This is in regards to customer case # XXXX. 

I have been a long-time Wells Fargo customer and, recently, requested to close my savings account ( called in XX/XX/XXXX and in XX/XX/XXXX ). Despite two calls where I was assured it would happen, Wells did not close my savings account. Wells Fargo erroneously closed my checking account, which had a balance. 

I learned that this was erroneously closed on XX/XX/XXXX when I received a notice that my automatic bill pays would not be able to proceed due to insufficient funds. Wells Fargo has confirmed this was closed in error by the bank, in a call on XX/XX/XXXX with XXXX ( XXXX. XXXX ). Despite XXXX hours on hold and in branches to attempt to stop the closure, the account was closed. I have yet to receive my funds. XXXX at the Wells Fargo XXXX branch promised I would receive these XX/XX/XXXX. I did not. I instead received a statement in the mail. I have asked that my funds be transferred to my existing Wells Fargo savings account and told this is not possible, but have not been told why. 

Wells Fargo has also told me it is not possible to reopen my account because it was originally opened in a state where I no longer live. They encouraged me to open a new account to help resolve the issue, but could not explain why this would resolve the issue when I have an existing savings account that the funds could be transferred into. I declined to open another account with Wells Fargo and have received no clarity on when my funds will be returned as a result. 

I have called XXXX in the XXXX XXXX XXXX division several times, with no resolution. I have been to the branch. I have emailed XXXX XXXX, the XXXX leading XXXX XXXX XXXX XXXX Banking for Wells Fargo, to provide written notice. The bank has taken no steps to resolve this beyond expressing sympathy and apologies for their wrongly-taken actions. I was told I should have noticed an account notification noting that Wells planned to close the wrong account- in effect, " catching '' the error.

Due to Well Fargos mistakes, I have not have access my entire balance of {$6900.00}, and am suddenly unable to pay bills due to Wells Fargos admitted error. I will incur interest and late charges due to Wells Fargos errors, and none of the customer support agents I have spoken with have been empowered to resolve this. I expect Wells Fargo to return my funds that were taken in error immediately as well as late fees refunded.

This experience is completely unacceptable. Any other time funds are taking without permission and not returned, it's called stealing. Just because a bank does it, why is it any different?
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It saddens me that I have account ( s ) on my credit report that are illegally being reported hence withholding me from seeking new lines of credit. XXXX, XXXX, TransUnion and the original creditors are BREAKING THE LAW. I have disputed these alleged accounts with XXXX, TransUnion XXXX on -- -- -- -- -. The account ( s ) from XXXX XXXX with the account number ( s ) XXXX & XXXX.The account from XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) with the account number XXXX which is reporting on my XXXX and XXXX need to be removed. XXXX, TransUnion, & XXXX are in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, never gave XXXX, TransUnion, or XXXX any written consent to report anything on my consumer report. No consent is in fact identity theft. Additionally, they are also in violation of another code. They are also violating18 U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Hence, I, XXXX XXXX, never gave XXXX, XXXX, or TransUnion any written consent to transfer, or use, without authority, a means of my identification. No consent is indeed identity theft. I demand to see a affidavit singed by a, XXXX, TransUnion, or XXXX supervisor or executive detailing where I gave them written consent to transfer my identification!!!! You have violated U.S. Code 1028A. I have tried endlessly to remove these accounts with the credit bureau and creditor they have failed to remove the information they illegally furnished. Sadly, I will have no choice but to stop extending my credit report to anyone if this can not be resolved. I know my rights.
Product: Credit card or prepaid card

I received numerous emails and subsequently a debit card in the mail that I did not apply for under my previous married name for unemployment benefits through the XXXX XXXX. I have called the US Bank number provided on the card and had the card de-activated but wanted to make you aware of the situation in case this is a broader hit to numerous consumers.US Bank number provided on card is XXXX Credit allowed {$40000.00}. Credit card mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. If you require additional information, you can contact me at XXXX. I was also insistent on not providing them with my SS #, as they requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute letters were mailed on XX/XX/2021 and I have not received my investigation results from the credit bureaus, it has been well over 30 days. This is a violation of my rights.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I express my deep discontent and irritation toward the existence of erroneous information in my credit report. Unsubstantiated accusations without proof are intolerable. Adherence to legal requirements is crucial. Submit evidence or eliminate inaccurate claims promptly. I authorize you to promptly deliver physical documentation and an updated credit report. Listed below are the Personal Information that are being challenged : Incorrect Current Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Incorrect Name : - XXXX XXXX
Product: Mortgage

I have now requested the PMI be removed from my account three times and also sent in the money for an appraisal XX/XX/2016. Ths company will not return any letters of only requested to have the PMI removed. I am well over the LTV of XXXX % to removed PMI adn also have never been late on any payments fro the life of the loan
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank is only reporting when I spend the balance on the card and not when I pay off the balance. I paid off the balance 2 times and it never went on my report instead they just kept over reporting that I was spending close to the limit of the card repeatedly in the XXXX of XXXX. As a result they removed XXXX points off of my good credit score. Just by rereporting what they already reported in the course of 1 month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX2020 XXXX2020 XXXXXXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Debt collection

I disputed several companies on my report along with a police report indicating that i am a victim of identity theif the items were removed after invesigated and then place back on my report from other collection agenices numerous times making my credit score drop with false information when I also have a fraud alert placed on my account to verify my identity