23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have had an account with Gemini Trust LLC for over four years. I transferred over XXXXUSD into my account on XX/XX/XXXX and bought some assets worth over XXXX USD. The next day, XX/XX/XXXX, Gemini froze my account without any warning. This has had negative consequences for me as I can't buy when investment assets have fallen as they have today XX/XX/XXXX at XXXX am. I contacted Gemini Support on XX/XX/XXXX and was issued support ticket # XXXX. To date, nobody has contacted me after numerous tweets and emails.
Product: Student loan

I was scheduled to attend school at XXXX XXXX University XXXX XXXX XXXX in XXXX, Georgia. I was enrolled on XXXX XXXX 2004. I did not go to class at this school and I was withdrawn XXXX XXXX, XXXX. I originally signed a signature loan with XXXX XXXX ( now Navient ). My loan funds were not used and Navient is now showing that I owe them over 30k in student loans. I called both parties XXXX and Navient to explain that in this time frame I did not attend school. I keep getting the run around, Navient is blaming XXXX and XXXX is blaming navient. Navient has been calling harassing me about the debit, I did not realize until recently what school the debt was for. Navient took this debt and collected fees based on a 14 % interest rate and started asking for a XXXX dollar payment. I did not use this loan at all I did not attend the school. I am having to seek legal advice to possible sue Navient because I think they purposely did this to collect fund on their high interest rate. XXXX stated they sent the money back to navient but navient is denying that.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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

In XXXX and XXXX of 2021 I filed a dispute with Experian, XXXX  and XXXX  credit bureau about the inaccurate reporting of accounts on my credit profile XXXX XXXX and XXXX XXXX!. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you
Product: Payday loan, title loan, or personal loan

I am a monolingual Spanish speaker, and a bilingual person typed this for me. Please correspond with me in Spanish. 

In XX/XX/XXXX, XXXX XXXX, cold called her. Shortly after, a sales representative for XXXX XXXX XXXX, came to my door offering to sell me a tutoring system for my XXXX year old daughter. XXXX XXXX told me that she could receive one-on-one, in person, tutoring services from one of your academic tutors once a week in our home. I was also told that there was a companion application-based course program. XXXX XXXX had us complete documents for contracts with both XXXX XXXX XXXX and Equitable Acceptance Corp. I paid a {$100.00} deposit. 

Originally, the first appointment was scheduled for XX/XX/XXXX. Your employee failed to appear at the appointment, and gave an excuse about some problem. Subsequent appointments were also missed with different excuses. My daughter has yet to receive a single tutoring session. Furthermore, I downloaded the app, but am unable to access the content. I have contacted your company repeatedly about these problems with no satisfactory response. 

Moreover, I have been made aware that XXXX XXXX XXXX, via the parent company XXXX XXXX XXXX, has had its corporate status forfeited by the California Secretary of State. Additionally, Equitable Acceptance Corporation has had its corporate status suspended by both the California Secretary of State and the California Franchise Tax Board. 

I wrote a letter to XXXX XXXX XXXX and Equitable Acceptance Corp. I have not received a response.
Product: Credit reporting or other personal consumer reports

This Complaint is regarding several Fraudulent INQUIRIES listed on my EQUIFAX Credit report. I have reached out to both EQUIFAX and the companies in question, each resulting in no assistance or clarity. Please see the listed Companies in question below : ( 1 ) XXXX XXXX XXXX, date listed; XX/XX/XXXX ( 2 ) XXXX XXXX XXXX XXXX, date listed XX/XX/XXXX ( 3 ) XXXX, date listed XX/XX/XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX, date listed; XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX XX/XX/18 page 15 of 16 Error as duplicate address of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX as duplicate there is no need for duplicate address. this same pattern by Experian goes on and on. Please stop I have some hired to watch my report with wrong information and duplicate address.
Product: Credit card

On XX/XX/year>, I was contacted by what I believed to be my boss, who requested that I purchase {$200.00} worth of XXXX gift cards as part of a work-related task. Following the instructions provided, I purchased four XXXX gift cards totaling {$800.00} and sent pictures of the cards to the contact. Shortly after, I realized I had been scammed, as the contact was not my boss, and I was deceived into purchasing the gift cards. 

I immediately reported the incident to XXXX, who confirmed that the cards were redeemed. They requested pictures of the cards and receipts, which I provided. XXXX informed me that they were reviewing the case and would follow up in 3 business days. 

I also contacted Bank of America to dispute the charges on my credit card, explaining that I was a victim of fraud. However, when I spoke to their representatives, they stated that they could not assist me with reversing the charges due to the nature of the transaction. They told me that the dispute would not be processed because the purchase was authorized by me, even though I was scammed. 

As of now, I am still waiting for XXXX 's review to determine if any credit or resolution will be issued, but I have not received any assistance from Bank of America or XXXX regarding the fraudulent charges. 

Requested Resolution : I would like Bank of America and XXXX to reconsider my dispute request due to the fraudulent nature of the transaction and issue a chargeback for the unauthorized charges. I also request that they assist in investigating the fraud, considering I acted in good faith and immediately reported the scam.
Product: Credit reporting 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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/year> On date XX/XX/year>, I submitted a dispute to Equifax disputing a late payment reported by XXXXXXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I never was late in my payments. For instance, I may have made my payment on time or there may have been a clerical error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested from the company to provide me with a verifiable original copy of the contract having bilateral agreement between myself an a sentient representative of the company. Under the guidelines of the FCRA subsection 602 ( a ) ; 603 ( d ) ( 2 ) ; 603 ( p ) ; 603 ( q ) ; 605 ( a ) ; 605 ( d ) ; and 609 which the company never did.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH FRCA THIS CREDITOR XXXX/XXXX  ACC XXXX HAVE VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS LASTLY UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.
Product: Vehicle loan or lease

I spoke with a Honda associate who informed me that I had 1 payment remaining for an amount of {$560.00} then when I called in for the final payment another associate by the name of XXXX told me {$1100.00} then I asked for a supervisor or manager in which she said well since I'm explaining everything to you my manager will not probably call you back then when I asked about the extra amount she couldnt explain or break it down to me Im not understanding how all these different amounts are being given to me and have yet to be broken down and explained I wasnt aware of {$1100.00} I feel the company is trying to swindle more money out of me due to my contract is ending and also asked them to go back and listen to the call the associate didnt do so and when you call it says this call is being recorded and monitored
Product: Debt collection

Rausch Sturm has tried collecting a debt that is over 10 years old. In less than a weeks time they sent three letters trying to collect payment i wasnt even aware of. I called them the young lady said it was from a company name XXXX XXXX never heard of them. I explained that i dont know who they are she said it was from XXXX and XXXX. I am in my massachusetts and the statue of limitations is 6 years here. I told her this is too old to collect. She agreed and today XX/XX/XXXX i receive another notice with a copy of a judgement that was made in XXXX which i was never aware of. I have called and asked them to stop reaching out but it has not helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # 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 an account without my written instructions
Product: Mortgage

On XXXX XXXX, 2017 a complaint was filed to you regarding hardship paying mortgage due to an unexplained escrow account on the mortgage account. The owner of the property wanted the escrow account to be removed from the mortgage because the total amount due was increased from {$800.00} to {$1600.00} and it exceeds the amount he is able to pay monthly. Since then, Wells Fargo will not work with us to lower the monthly payment and we are at our wit 's end. Also, Wells Fargo has not explained how the escrow is being applied, since they have included this on the mortgage. Payments are now 4 months behind, since the owner can not afford the monthly payments.
Product: Credit reporting or other personal consumer reports

First I had a lot of trouble signing into TransUnion to get my " free '' credit report and score, when I finally did get in, after complaining to you XXXX, I could not download my entire credit report. I tried and 8 or 9 pages were blank ( redacted ) because those thieves knew I downloaded MY CREDIT REPORT and didn't want me to have it. What they did was let me look at it online while logged into their site, only and I could not keep it to review it and look at it in detail for inaccuracies. This is the same as not letting me have it at all. What am I supposed to do? Sit there for hours and get timed out and logged off because they won't let me save my credit report for review? I do know that my credit report was not accurate because it was missing one account that is typically reported. I have contacted the bank to make sure it is reported.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 
Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me XXXX XXXX and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.
Product: Credit card

this is not a complaint as much as it is feedback overall i like capital one. they have helped me i need my case and needs individually analyzed and carefully analyzed. 
i need some extra time to pay my credit card bill and if possible any extra points to help me with balance. in addition to over a XXXX in medical debt currently in litigation for provider to pay i lost my AC and my fridge this summer. i only use your cards due to the excellent cusomter service. 
i am also needing more time to pay no interest please. some of those expenses are from months ago. please they were essential. my birthday is coming up and i would appreciate it. 
please consider helping me i use your cards when i have to and responsibily due to exemplary XXXX. i also had written about a business account and needs i have but to my disappointment just got a script back
Product: Credit reporting, credit repair services, or other personal consumer reports

made dispute with eqifax in XX/XX/2018. results form XX/XX/2018 recievd from company still were reposting incorrect information. XXXX account dated XX/XX/2018, the status of account was updated with the same incorrect information, also a statement was added to the account on my behalf that I never requested to be added. the closed date for account is incorrect, this being incorrect affects the time since negative section on my payment history. the payment status was updated to " placed for collection and skip '' on XX/XX/2018, although the collection agency sent notice of me owing no balance. this  information reset the timer on the account. the statement added " charged off account variable rate '' was placed as a statement, which I never requested. this has negatively affected my score and me trying to show credit worthiness to potential lenders. the payment history is incorrect as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the below accounts has violated my rights : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I spoke with XXXX XXXX regarding a collections that they stated was mine. I sent a letter asking them to verify and validate the debt, but I never received a response. I informed her that this was in violation of the Fair Credit Reporting Act. This account need to be deleted immediately because I know that they don't have access or any kind of documentation available on this debt. This collection can't be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions