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

On XXXX XX/XX/2020 I got a notification from XXXX XXXX  that my credit was ran through a mortgage company. I google the inquiry and I believe is XXXX XXXX  I recently got my email hacked but my social was never attached to it. I would like to find out what information they received from whoever submitted the application. I have never provided my social to anyone other than two or three creditors in my lifetime. This was done unlawful and without my permission. I believe Transunion is the only creditor but I could be wrong.
Product: Credit reporting or other personal consumer reports

I complained to the credit bureaus before letting them know that a fraudulent address was listed on my credit report and that I was a victim of identity theft. I even submitted copies of the identity theft reports and according to the Fair credit reporting act. Once a customer submits an identity theft affidavit, proof of identity then the credit bureau must remove and block such information that is been disputed within XXXX business days of getting the complaint and been notified that the account been reported is false due to identity theft. On my credit report an incorrect address is listed which is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I never lived at this address.
Product: Checking or savings account

I spoke with Navy Federal representative in XXXX explained I wanted to provide money to my account as usual to pay my Navy federal credit card from my external bank. I requested direction on best way to do it to be available same day. Navy federal representative said check and it will definitively be available next day. I said is she sure otherwise I can drive to branch and deposit cash. The Bank representative assured me this was the direction which I relied on to use a check. The next day I was told there would be a 7 day hold. XXXX Supervisor XXXX on a call shared with him the issue that they made a temporary credit for the error on Friday and on Monday XXXX time. This overdraft was a result of a temporary credit and transfer erronios by Navy Federal and has cause damage.
Product: Money transfer, virtual currency, or money service

I was scammed by someone named " XXXX XXXX '' using the email XXXX to communicate with me via email and using XXXX as their XXXX account email to sell me a XXXX XXXX XXXX. They had the breeder " XXXX XXXX '' from the company I applied to adopt a dog at XXXX XXXX XXXX contact me first because of XXXX regulations that if you can't take care of a dog to send it back to the breeder. They then asked me to sign a contract and send them {$500.00} via XXXX as a deposit for the puppy. I then sent them the money and haven't heard back since.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous attempts Ive tried emailing and calling money lion to update my banking information so that I dont have a late payment on my report however it was not done and I have 2 late payments on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX as of XX/XX/XXXX is negatively reporting on my XXXX, Equifax, and XXXX XXXX XXXX file. XXXX has been found negligent and liable in this suit by the Attorneys General Office. XXXX XXXX XXXX am one of those students. I am a victim of XXXX 's predatory lending practicing. 

As of XX/XX/XXXX state Attorneys General announced today that XXXX, known as one of the nations largest student loan servicers, will provide relief totaling {$1.00} XXXX to resolve allegations of widespread unfair and deceptive student loan servicing practices and abuses in originating predatory student loans. 

This settlement resolves claims that since XXXX, despite representing that it would help borrowers find the best repayment options for them, XXXX steered struggling student loan borrowers into costly long-term forbearances instead of counseling them about the benefits of more affordable income-driven repayment plans. I XXXX XXXX am one of those students. I am a victim of XXXX 's predatory lending practicing. 

According to the attorneys general, the interest that accrued because of XXXX forbearance steering practices was added to the borrowers loan balances, pushing borrowers further in debt. Had the company instead provided borrowers with the help it promised, income-driven repayment plans could have potentially reduced payments to as low as {$0.00} per month, provided interest subsidies, and/or helped attain forgiveness of any remaining balance after XXXX years of qualifying payments ( or 10 years for borrowers qualified under the XXXX XXXX XXXX XXXX XXXX ) XXXX 

XXXX also allegedly originated predatory subprime private loans to students attending for-profit schools and colleges with low graduation rates, even though it knew that a very high percentage of such borrowers would be unable to repay the loans. XXXX allegedly made these risky subprime loans as an inducement to get schools to use XXXX as a preferred lender for highly-profitable federal and prime private loans, without regard for borrowers and their families, many of whom were unknowingly ensnared in debts they could never repay. 
Under the terms of the settlement, XXXX will cancel the remaining balance on {$1.00} XXXX in subprime private student loan balances owed by more than XXXX borrowers nationwide. In addition, XXXX will pay {$140.00} XXXX to the attorneys general. A total of {$95.00} XXXX in restitution payments of about {$260.00} each will be distributed to approximately XXXX federal loan borrowers who were placed in certain types of long-term forbearances. Borrowers who will receive restitution or debt cancellation span all generations : XXXX harmful conduct impacted everyone from students who enrolled in colleges and universities immediately after high school to mid-career students who dropped out after enrolling in a for-profit school in the early to XXXX.
Product: Credit card or prepaid card

In XX/XX/2019, I applied for and was approved for a secured Citibank Card, for which I paid a {$500.00} deposit. I never recieved the card - and since then, I have contacted the company six different times, trying to have duplicate cards sent, new accounts set up and accounts sent, and provided two different addresses. Each time I contact the company, I have spent over an HOUR on hold, only to be told " we'll fix it '' but I have yet to recieve a single communication ( or actual card ) from the company, despite 6 telephone calls, two addresses, and hours of frustration and communication. When I told the last customer service representative that I wanted my deposit returned, she told me " that's impossible '' and hung up on me. It has been four months since I opened the account and paid the deposit, but I have yet to recieve the card. I simply want the services which were promised to me. Citi 's staff is woefully undereducated as to their own processes, provide blantantly false information, and consistently fail to provide the results that they purport they are offering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice some inquiries on my report that I did not authorize. Here are the list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Auto has received full payment for my totaled vehicle. I paid the final payment after receiving the final statement from the balance left after my gap insurance over month ago. This will be my second time complaining. I have two delinquent payments showing on all three of my credit reports! Im trying to purchase a home. I need this fixed ASAP! This has ruin my credit! Ive tried my best to work with them. They are the worse bank ever! They keep telling me i have To speak to someone in the insurance resolution department. After being on hold for hours and for multiple days customer service still says theres nothing they can do and that its a small department with a lot of calls and I need to call back. Please help me get this resolved
Product: Checking or savings account

Charged a monthly checking fee when the required amount of withdrawals/deposits were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to apply for a {$500.00} loan on line with and then received a call o n XX/XX/XXXX     from a representative from  XXXX   XXXX  in the  XXXX , Texas location inquiring for more information. I went to the location on   XX/XX/XXXX     to provide the information they needed, but I before letting them submit the application, I asked if they were going to do a soft inquiry or a hard inquiry on my credit. The representative assured me that it was going to be a soft inquiry and they look mainly on my payment history which I was fine because I did not want a hard inquiry because I was going to refinance my car and I did n't want my credit to be affected. I provided the information needed, and the  manager  verified my employment and stated that due to company policy I could not be funded because I do loans as well. When the manager made that statement, the representative that assisted asked her manager about what she just said because it was even obvious that she did not know about that policy and also stated, " I did know that. '' The representative apologized and I left the establishment, but a couple of days later I noticed that the company did a hard inquiry which affected my score. I contacted their corporate office  (   XXXX   XXXX   XXXX   )  and left a message since I called on a Sunday. I received a call back the next day and was told I was going to receive a call the next day from a representative that handles these situations. A week went by and I had not received a call yet so I called the  XXXX  location on   XX/XX/XXXX   and spoke with representative that assisted me and notified me they were aware of the situation and that the District  Manager  was suppose to contact me. I explained to the representative why I was upset and she even told me that the company tells them to advise their customers that a soft inquiry is done on their credit because only a few points go done. I told her that is wrong because its shows up on my  credit score a nd a hard inquiry and that is providing false information. I also stated that she should have known that applicants that do loans will be denied so this whole situation could have been avoided. Another week went by and no one had called so I contacted the corporate office on  XX/XX/XXXX  a nd left another message. I finally received a call from the  District  Manager on  XX/XX/XXXX    . I explained to her the situation and I told her the exact same thing that I said to the corporate office. While speaking with the  District Manager,  it was obvious that she did not know the difference between a hard inquiry and a soft inquiry on your credit. She even had the audacity to tell me how the inquiries in my company work. The  District Manager  then stated that there was nothing they could do because I did apply. I told her I applied because I was provided with false information and they should not have even ran my credit as soon as they saw where I worked. She said that they still could not do anything. I yet have received any type of documentation from their office stating they ran my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE - XXXX ) ( DISPUTE CODE - XXXX ) My personal information was stolen and used for fraudulent activities in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX-Equifax XXXX XXXX XXXX-Equifax XXXXXXXX XXXX XXXX-Equifax XXXXXXXX XXXX XXXX-Equifax XXXX XXXX 04/03/2021-Equifax XXXX XXXX XXXXEquifax XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX-Equifax XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, Truist Bank Acct # XXXX has violated my rights. 

15 U.S. C 1681 Section 602 A. states I have rights 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: Money transfer, virtual currency, or money service

XX/XX/2023, the other party needed to fulfill a transfer of XXXX to me, she tried to transfer a piece through Zelle first, after I confirmed receipt, she transferred XXXX to me, and then on XX/XX/XXXX and XX/XX/XXXX respectively, I was debited XXXX and XXXX, called the bank and learned that someone had reported me as a fraudulent so the money was debited, and without my knowledge, XXXX XXXX XXXX debited money from XXXX XXXX XXXX XXXX debited my account without my knowledge, no security, no notification and no acknowledgement. After a few days I received a notification letter from the bank in the mail, I called the number on it and it said that this is not handled by this department, transferred to another line, then another ... said that the case was closed and closed and it had to go to court, after a few days I called again, transferred to several lines and then I was told to submit evidence to prove that I was a victim, the email was sent and I got a reply XXXX or XXXX days after that, after the After the past week I hadn't heard anything, called XXXX XXXX XXXX again, transferred several lines again, then finally told that I had received the information I had sent, but the case was closed and could not be opened. I have no way to understand why the fraudulent party can get their money back with a single complaint, without submitting any proof, and then close the case without giving me, the XXXX XXXX, a chance to sue, which is unfair, and I'm going to lose this {$1000.00} for nothing, and because of this, Zelle suspects that I violated the ordinance restricting me from using it, and I'm going to sue it for this indiscriminate conclusion!
Product: Credit reporting, credit repair services, or other personal consumer reports

My and my wife 's information was involved in the Equifax Security Breach. We have taken steps to place a 90 day fraud alert from the website. I 'm still concerned that our identities have been put at risk and have opened up opportunities for identity fraud. We are extremely careful with whom we do business and take exhaustive steps to keep our information private and secure. This is an inexcusable injustice as the ONLY job that Equifax has, in my opinion, is to keep our personal information secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a validation letter to Transunion, XXXX, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. On XX/XX/XXXX, I received a letter back from Transunion stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and XXXX it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act. Not to mention I also have hard inquiries reporting on my account that don't belong to me.
Product: Debt collection

I have repeatedly advised XXXX XXXX XXXX that I do not owe this debt. Yet they refuse to remove. I sent a copy of an nFTC I'D theft report.
Product: Credit reporting or other personal consumer reports

This constitutes my fourth and follow-up complaint, underscoring my unfortunate victimization by fraudulent activities. I present this complaint to contest the inclusion of certain items in my file, directly stemming from criminal activity. The mentioned items bear no association with authorized transactions involving the acquisition of goods, services, or funds. I urge the expungement of these items from my credit file, as per the directives outlined by the respective bureaus : -- -- -- 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. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I have attached my new FTC report with reference # XXXX to this complaint.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX 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 : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

Date : XXXX XXXX AmountXXXX dollars Velo by East West Bank I opened a student banking account on East West Bank 's online banking apps, XXXX. 
I deposit two cash check ( XXXX $ by XXXX and XXXX $ by XXXX ) using their app online deposit. 
Deposits have already successfully process. And it's in my balance ( XXXX $ total ) By XXXX, they froze my account and informed me they have rights closing my account without telling me any reasons. And they told me they could only process to return the money to the bank check issued. 
It has already been 3 months. They have not taken any action to return my money back and keep my account frozen. And they will not provide any other resolution to give me money back. 

XXXX! East West Bank! is holding my money with no reason for already 3 months! And they refuse to give any information.
Product: Debt collection

Dear Madam/Sir, CFPB : I received notification of an unknown credit card that is not mine and does not belongs to me. I wrote to dispute the information as per Federal Laws dictate as a consumer. The Debt collection Company keeps calling me and keeps Harrasing and thretening me. they want me to pay them : $ XXXX..I can not pay something that is not mine and does not belongs to me. I never open NO credit card account with the original institution. This Unknown credit card its not mine. Thank you very much. Respectfully yours. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status Collection account. {$120.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX XXXX {$670.00} XXXX updated XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I paid in full a charge off. ( {$320.00} ) Original lendor was XXXX Visa Credit Card but the debt was sold to XXXX XXXX XXXX XXXX. The debt collector agreed to a " pay for delete ''. To be specific the charge off was suppose to be deleted off all three credit bureaus. The XXXX XXXX XXXX   XXXX visa account is still reporting as a closed account and still reporting the late payments when the account is suppose to be completely deleted.
Product: Mortgage

On XX/XX/XXXX I obtained a construction-to-permanent loan from United Community Bank. It was discovered after closing that an error was made on the part of XXXX XXXX, the loan originator, whereby the loan amount shorted by {$10000.00}. It happened, I suspect, when she referenced an out-of-date contract prior to closing. This was despite having the correct document in hand, supported and evidenced by multiple emails. 

I brought the error to XXXX attention on XX/XX/XXXX and later had to reach out to XXXX XXXX, UCBI 's Regional Mortgage Sales Leader, ( after being shut out by XXXX denying any mistake ) to see how the deficiency could be remedied. The three of us convened a call on XX/XX/XXXX to discuss what happened. And by XX/XX/XXXX, I was assured by XXXX a clear path had been found to move forward. 

I completed construction on XX/XX/XXXX and provided all requested documentation to UCBI at that time. It is now XX/XX/XXXX and I'm being forced into a second extension at higher interest rate with no clear end in sight. I've consistently provided all requested information in a timely manner, but the bank can not or refuses to give me any sort of update regarding the loan 's status. They have left me paying interest only at 4.5 % when the loan should have already been converted to permanent financing at 3.125 %.