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

I decided to open a Robinhood account for in 2023 beginning of the year and as I tried to verify my information it was pending. I funded my account XXXX $ into the saving account from what was in my XXXX XXXX at that time. But the. I decided to put the XXXX $ into my bank account they said my account was locked and can not withdraw my funds into the account because of suspicion which I dont understand why when I gave them my ID and selfie. It been over a year and still did not hear anything or received my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent two letters to TransUnion letting them know that I was a victim of identity theft attached to those letters were an FTC report and a police report to have the fraudulent items removed from my credit report. The first time they sent me a letter back stating that I did not give them enough information so I sent them the same exact information the second time and now they are saying that it looks like a credit repair company is doing my credit repair when is actually it's me sending the letters in so, as a result, they won't investigate.
Product: Consumer Loan

I have had several phone calls rom bank of the west, concerning missed l loanloan payments.after several calls and going over the same reasons why I stoped paymentstoped payments.I agreed to voluntary reprosession of said vehicle. As Ionly had the vehicle in my position for aproxmatly 3 weeks since XX/XX/XXXX to date. Bank of the west said they were taking the vehicleto auction and selling. I have never ben advised of when where or howmuch it was sold for. I have received nothing in writing.My credit report said the account was closed and paid in full. 
Now since XX/XX/XXXX I have received XXXX phone calls from someone who says they oursays they our collection agency.Asking for my social security and address .I told them if they our from the Bank of The West they should have that infoinfo.I felt it was a scam and hungup. I have received no written noticesince being contacted in XX/XX/XXXX by Bank of the West for a latepayment and advising of voluntary Reprossion.
Product: Checking or savings account

I have transferred money from my XXXX account to my Discover checking account on three different occasions. None of the transfers have shown up in my Discover checking account. The dates and amounts are as follows : XX/XX/XXXX {$240.00}, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. I have talked to XXXX and they tell me the transfers are successful on their end. XXXX has provided tracer numbers on two of the transactions which I will attach in the complaint. Discover says they have not received the deposits from XXXX and are having trouble verifying the tracer numbers provided by XXXX. XXXX has verified my Discover checking account number and routing number. I don't know what else to do. XXXX says the transfers are successful and they show them deposited to my Discover checking account. Discover says they do not see the deposits. Please help me locate my money.
Product: Debt collection

I was XXXX XX/XX/XXXX and I received an email XX/XX/XXXX that my Clearance was being Adjudicated, on XX/XX/XXXX a list of the accounts was provided from my POC and I then learned one of the accounts involving a XXXX XXXX Account that had been reported as Charged Off by the Credit Reporting Agency. I was sent a picture of a Collection letter that was sent to my children 's home in XXXX NC, I called the Law Office on XX/XX/XXXX and explained that I was currently XXXX and had disputed the account with XXXX XXXX because I had requested that the account be adjusted for charges and fees paid in violation of the SCRA over the 5 year period I had been XXXX. I had been XXXX a few times during that time and had know idea that the account had be charged off or placed into collections, I also stated that I was very willing to pay the account in full, once the charges were adjusted according to the SCRA 6 % Limitations, and that last thing I wanted was for this to become a court case. She told me that the case was placed with the firms office, and they had n't contacted anyone about the account and as long as I was willing to work with them to get it paid, it would n't be filed in a court action. I had been calling the law firm office and was still waiting to hear back about the adjustments, but it was the XXXX holiday and I had n't been able to reach anyone for almost 3 weeks when a Default Judgement was mailed to the North Carolina address XX/XX/XXXX. I was never told that a Complaint was filed and the only thing in the mail was a Motion for a Default Judgement without a hearing, there was n't a Complaint Filed that I can see and I did n't want to call the collection agency back after I realized that they had just been stalling me about the adjustments to the account. The judgement has been placed on my credit report by the Court, I thought that they had been notified about my XXXX and that I did n't reside in North Carolina, but a Clerk of Court through the documents filed with the Court on XX/XX/XXXX away. I do n't think contacting the Court myself will help, and even a Attorney would be seen as my representative, and could give the Court jurisdiction. I ca n't afford a Attorney and I do n't trust the law firm who deceived me last year, so I 'm hoping contacting them through the CFPB will make sure I 'm not blocked by a Clerk and a Judge can Vacate the Judgement or Dismiss it. I 'm afraid this Attorney will drain my bank account or something else, she has been sending letter to the house in XXXX and threatening my family. I feel like I do n't have any way to stop this attorney from harassing my family except paying them, I do n't see why they did n't just let me pay XXXX XXXX XX/XX/XXXX, is n't that what a Collection Agency does? I will not have any further contact with this firm.
Product: Student loan

Under the Fair Debt Collections Practices ACT ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' I am requesting a validation that is competent evidence that I have some contractual obligation to pay you. 
Please provide at least the following information within 30 days from the date your receipt of this request for validation : 1. Name and address of alleged creditor : 2. Name on file of alleged debtor : 3. Alleged account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6.Date that this alleged debt became payable : 7. Date of original charge off or delinquency : 8. Copy of the contract and any amendments as this will show what the terms of the contract so I can see if you are following this in the amount you are trying to collect from me 9. Was this debt assigned to debt collector or purchased?

10. Purchased agreement if the debt was purchased so that I can see if you really own this debt : 11. Agreement that bears the signature of the alleged debtor wherein I agreed to pay creditor : If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is two hard inquiries on my credit report that should no be there I have no knowledge of these application please take them off. 

XXXX card XX/XX/XXXX XXXX card XXXX XXXX XXXX XXXX
Product: Consumer Loan

I am contacting you to file a complaint concerning a new car loan I applied for recently. I am XXXX years old and I have been a customer of PNC bank for more than XXXX years. I have over {$25000.00}. in CD 's with PNC. When I applied for a new car loan for {$10000.00}. I was denied the loan because I do not have any credit history. I never had a credit card and always paid cash except for XXXX time XXXX years ago I applied for a new car loan with the same PNC bank in XXXX and they approved it no problem but this time I was denied. I have more than enough money on deposit with their bank as collateral for the loan but they still denied it. They said it is PNC 's policy not to give loans out to anyone who does not have a credit history. I went to another bank and applied for a loan and they said as long as I deposited the {$25000.00} CD with there bank they would write me a check for {$10000.00} on the spot regardless if I had any credit history. I feel PNC 's policy of arbitrarily denying a loan to anyone who does not have a credit history is discriminatory and possibly illegal. I had more than enough money on deposit to cover the cost of the loan if I defaulted on a payment. There is NO WAY PNC could loose money on the deal. I also feel my AGE may have had something to do with it. I believe this because my son ( XXXX ) applied for a loan with PNC a few days later and told them he had a {$25000.00} CD on deposit and wanted to borrow {$10000.00} for a new car. He told them he had NO CREDIT history. They told him that he could get the loan no problem. Please look into this matter and contact me if you need any further information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the following account on my credit file. Upon reviewing my credit report, I found significant discrepancies across the credit bureaus, which may indicate non-compliance with the Metro 2 format and XXXX  guidelines. Ive previously disputed and was not giving a proper investigation XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago I filed a complaint with the Consumer Financial Protection Bureau, against XXXX XXXX XXXX for reporting erroneous late payments to the credit bureau. 

I also file complaints against Equifax and XXXX falsely lowering my credit score ; reporting incorrect late payments and refusing to remove inaccurate collections on my records. Today I reviewed my credit report and both credit reporting agencies are indicating I am 4 payments behind on my vehicle loan. The report is showing I am 30-90 days behind on my vehicle loan with XXXX XXXX. I am at the mercy of these credit bureaus because it takes 30 days for them to investigate and another 30 days for them to correct the error. Then the error appears back on my credit report. I have been fighting this since XXXX. I contacted XXXX XXXX and their representative says they are not reporting any late payments. Please tell me what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding is reporting a debt on my credit file that I do not owe. I have sent them multiple letters for them to validate this debt and I have yet to hear back. This account had been removed from my credit file and they recently put it back on?! I was not notified about this and they gave me no chance to dispute it once again which violates my 30 day right to dispute. This account is past the statue of limitations in my state and it's also past the credit reporting limit. I need Midland Funding to remove this account from my credit file. I will also let you know that if you continue to report invalidated false information to any of the three credit bureaus it could constitute fraud under both federal and state laws. If you continue to report invalidated information and false information on my credit report I will have no choice but to contact my attorney general and my attorney. This debt is past the statue of limitations as mentioned and the credit reporting limit which means you must remove this.
Product: Credit card or prepaid card

XX/XX/2022 I got a statement from Comenity National Bank for account # XXXX, a rewards credit card for XXXX 's XXXX. I immediately notified them by phone that this was a fraudulent account, and after hours of being transferred, I got through to the investigations department who assured me that they were closing the account and I wasn't responsible for the charges. I reported the identity theft to the police, I have a police report. I notified the XXXX credit agencies and froze my credit. At the time, my credit score was XXXX. At the time I also got inquiries from XXXX Bank and XXXX, who also manage store credit cards, but XXXX contact to each of those ended the new inquiries. Comenity sent me a form for me to fill out in wiriting, and attach a copy of the police report, which all was completed in XXXX, Meanwhile, the thief continued to charge purchases at XXXX XXXX and attempted at least XXXX more stores managed by Comenity. My credit score is currently down to XXXX. Comenity is still calling me about the " past due charges '' on the XXXX XXXX XXXX account and when I called the fraud department this week, they told me the investigation had been closed and it had been decided that I owed the charges. I was never notified in writing that the investigation had been closed. I doubt I'll be able to undo the damage to my credit score but short of spending hundreds of dollars on a lawyer I hope there is a way to make the bank do what they're supposed to do. Comenity manages credit cards for over XXXX retail companies and they are clearly having issues managing
Product: Vehicle loan or lease

I got a loan thru lobel and a used car. The car stopped working and I left it in the apartment parking lot with keys and windows down, they didnt pick up for months. So they garnished my paycheck, this is XXXX 10 years ago. Garnishment was paid through XXXX XXXX. Now for a second attempt to garnish my check, I stopped the first one. The co. Told me XXXX XXXX  and good luck. But now try to say in XXXX XXXX XXXX I owe XXXX dollars. They resold the car never gave me a credit for that I paid the full amount and they have the car. Plus sent 2 men to my apartment to bad mouth me to my neighbors, and after all this time trying to garnish my check again
Product: Credit card or prepaid card

Someone reopen this account twice in my name which cause me to have a late payment on my credit report I did not give anyone authorization to do any of this this is complete fraud and I shouldn't be hold accountable for it
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and noticed that I had FOUR late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks,
Product: Mortgage

Summer XXXX : I inquired my mortgage company ( U.S. Bank Home Mortgage ) for a private mortgage insurance waiver based on the new evaluation of my home. I have completed $ XXXX in renovations, and have owned the property since XXXX. This time period saw a large spike in property values in my market, but the appraiser gave an extremely cautious valuation just under the amount needed to waive my {$150.00} PMI payment. They rejected my alternative comps, and I waited for new comps to hit the market. The property valuation came back at over {$100000.00} less than the average of XXXX, XXXX, and XXXX were estimating. 

XX/XX/XXXX : I Called US Bank again to request a new appraisal. I was notified that there would be an additional {$100.00} fee, which I paid over the phone. I was told to wait 2 weeks to hear back from an internal broker to go over a new evaluation. 

XX/XX/XXXX : A month after the inquiry, I called US Bank for a status update. I was notified that the fee I paid was misapplied as a {$100.00} principal payment, so it had to be withdrawn from the principal balance and re-applied. I asked when should I expect a call from their internal value broker and was told it would be relatively quickly since they made an error. 

XX/XX/XXXX : I never get exact details on the status of my request when I call, and I don't know what other options I have at this point. My PMI premium is expensive and makes a difference to my family, and I am starting to suspect that US Bank is suppressing valuations in order to keep these policies in place to mitigate risk. Delaying this process means the comps in my neighborhood are getting older. I have never missed a payment, and my neighbors house sold at nearly double the price per square foot in XXXX ( its a smaller house on a smaller lot ). Any assistance would be greatly appreciated,
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX, XXXX I disputed erroneous trade-lines reported by Kay Jewelers to the credit bureaus. Kay Jewelers said they sold the account to XXXX XXXX because it was charged off on XXXX XXXX for {$310.00}. However, I paid XXXX XXXX on XXXX XXXX to delete the debt from my credit reports which they granted. Despite that, Kay Jewelers refuses to remove the negative information off my credit reports.
Product: Debt collection

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case HARRIS & HARRIS LTD is attempting to collect as XXXX  XXXX MEDICAL CENTER. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The office of the Attorney general 's office is reporting i owe back child support in the amount of {$12000.00} since XX/XX/XXXX and i have had custody of my XXXX year old daughter since XX/XX/XXXX .I have tried multiple times over the phone and visiting the local office and still they refuse to remove it from my credit report.I am having a difficult time getting hired by XXXX XXXX XXXX as well due to the high amount being reported being over the allowable limit of {$1000.00} in colloection 's by there company.So i am still unemployed pending this, and it has knocked my credit score down over 60 points also .I contacted XXXX and Experian to dispute it as well and still have n't had luck through them either. My custody is pending a court order to finalize via the court 's, i would like assistance now to have it removed and i have over 13,000 dollars on hold for me since it 's being taken out of my child support weekly still. Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have gave Equifax numerous notices that there are inaccurate information regarding accounts, inquries, late payments and names that are being furnished without permissible purpose on the consumer file. I AM TIRED AND EXHAUSTED by continuously keep trying to have Equifax to comply with the fair credit reporting act ( SEE ALL ATTACHMENTs )
Product: Debt collection

This account is a result of fraud and identity theft. This account does not belong to me and was opened as a result of identity theft without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing fraudulent hard inquiries that I received on my credit report that I did not authorize and recognize on my credit reports. I contacted each Creditor Company to rectify the inquiries. They only assured me that there were not any accounts opened or created under my name. I then contacted Equifax, XXXX and XXXX credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I had filed a written dispute againist the XXXX XXXX XXXX which has a negative remark on my credit in the amonut of {$360.00}. 
Along with this written dispute I also mail out the same copies to all 3 credit bureaus. I have yet to receive proof nor evidence that I m the owner of this debt and the 3 bureau 's have still let this remain on my credit. I had went to visited the last known address that I knew of the original creditor and they are under new management, and had no such evidence that I ever owed them any money. I then went to call the 2nd party debt collector on XX/XX/XXXX, National Credit, and they stated to me that they had no way of contacting the original creditors. I then ask who can I speak with to resolve this issue they stated to me that I had to proof that I didn't owe the debt. At this point I feel that this is not fair to me to have to pay {$360.00} for something that I don't owe. 


Along I will provide evidence that I don't owe any debts. 
Pay close attention to the dates please. 
Every signature is indeed my actual signature, all the places that my signature is the only documents that I have ever acknowledged.
Product: Checking or savings account

I have been a customer with TD bank for more than 3 years and unfortunately had to close this bank account because I was moving to XXXX  from XXXX XXXX and TD bank has no branches in XXXX. 
Now Im admitted in the hospital and need financial assistance for which I need some transactions from my account in TD bank. 
Saturday on XX/XX/XXXX I called TD customer service asking for international wire transfer documents in year 2019 & 6 months statement before closing my account. 
I was told to call recovery department on Monday, when I call up this lady on the phone tells me to go to a branch and there is nothing she can do! Im in XXXX  and how will I get to XXXX XXXX during this panademic while Im sitting here in the ER just for paper statements or for the matter of fact these documents can also be emailed to me and sorted out! 
Such people should stay at home and not come to work! Having such people at ur bank not only makes u look foolish, but also the whole country looks foolish ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I see XXXX accounts from upgrade that arent mines, these account werent authorized by me. Must be some form of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of the following accounts listed on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I have reason to believe that these accounts have been incorrectly reported to the credit bureaus and are in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I would like to remind you that it is the responsibility of the reporting agency to ensure that all information on a credit report is accurate, complete, and up to date. 
In accordance with the FCRA, I am requesting that you conduct an investigation into these accounts and provide me with documentation of their validity. Furthermore, I would like to request that you remove any negative information associated with these accounts until their validity has been established. 
I believe that my rights as a consumer have been violated by the inaccurate reporting of these accounts, and I would appreciate your prompt attention to this matter. I am confident that with your assistance, we can resolve this issue in a timely and satisfactory manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX