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

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions. 

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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: Debt collection

AFNI is sending me letters about some money that I suppose to own, they say a happen last year I never get and a car accident, this is not in my credit and is not my name, is spelled wrong and isn't complete so this looks like a scam! 
And the say they going to report the DNV and I will lose my license.
Product: Credit card or prepaid card

I previously submitted a complaint that stated the following : I filed an SDI claim with the State of California EDD office. The State of California EDD office issued the payments to my Bank of America EDD debit Visa card and I set up automatic transfers of the full amounts to my bank account ( checking ), however, none of the payments were transferred to my checking account. The payments were supposed to be transferred as follows : XX/XX/2020 - {$89.00} XX/XX/2020 - {$620.00} XX/XX/2020 - {$170.00} XX/XX/2020 - {$400.00} XX/XX/2020 - {$620.00} All of these transactions appear on my B of A EDD card account as transferred however the amounts never ended up in my bank account. 

Bank of America recently decided to reverse their decision and reimburse me for the money that was never transferred. I was eventually issued payment on my B of A EDD card totaling {$1300.00}, however the total amount in dispute is {$1900.00}. This leaves {$530.00} that still needs to be issued to my B of A EDD card and has not been issued yet.
Product: Student loan

Prior to XX/XX/XXXX, Aidvantage reached out to me to let me know that my payments would be beginning. Then I read that XXXX was handling all pslf loans. I have been working towards pslf for YEARS! During the pandemic I applied again for pslf and they finally accepted my past 6 years for working for the XXXX but not my XXXX XXXX XXXX XXXX XXXX XXXX XXXX because they say my EIN isn't correct. How did I receive tax forms for all those years? So I began calling customer support. I waited for an hour and 17 minutes one day and the next day it said my wait would be 422 minutes! I am an XXXX do you know how much free time we have? Then on XX/XX/XXXX I received my first bill. Prior to the pandemic my payments were {$350.00} a month and now they want {$870.00}. What!? It says to apply for refinancing but my payment could increase. Why would I do that? 
Now this week my email said my new servicer will be XXXX What do I do? Who do I contact? How do I dispute my payment and my years working towards pslf? There is literally no one to talk to. I luckily saw this site in a XXXX XXXX  article because who is an advocate for student loan? I can make a payment, I've given my whole career to public service because I know my college education will never provide enough money to cover being an XXXX - that was the promise our college made to us. Be an XXXX and you can get loan support and great benefits - these aren't really panning out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me XXXX XXXX  XXXX Date opened XX/XX/ Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In correspondence with law 15-USC 1692c ( c ) I would like to delete and cease all communication on my credit report.
Product: Debt collection

I received a letter from XXXX XXXX that I had not paid the bill for the XXXX XXXX. XXXX XXXX is in bankruptcy. I had not received a bill by mail or email. I immediately paid the bill over the phone on XX/XX/2018.My credit score has gone from XXXX to XXXX. I want an this fixed and my credit score up to  XXXX. I have contacted XXXX and I have file a complaint with Wi consumer protection and the tell me they forwarded case noXXXX to you. I di receive a letter from XXXX XXXX   that I have XXXX balance but that does dot take. Are of my credit score. I also see they have many complaints against them
Product: Money transfer, virtual currency, or money service

The company is Robin Hood. 

I transfered XXXX to my Robin hood account and they froze my account after the money had already left my bank. It took 5 days to do this and now they said a review will take 7-10 days. Instead of reviewing my documents before shutting my account they locked my account AFTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im lodging a formal complaint against both XXXX XXXX XXXX XXXX CCS Collections, as it is my belief, they violated my rights under the FCRA. Reporting inaccurate information about its status to the credit bureau. I didnt notice this error right away, that this was an already twice reported collection. Originally, this was a Debt by XXXX XXXX given as a collection to XXXX XXXX XXXX. I then paid in full and received a confirmation letter & the collection was subsequently removed from my credit report. Fast-forward, to XXXX 2020, I noticed a collection on my credit report with a new Creditor CCS Collections. So being under the assumption, that I owed CCS, I had every attention to pay it, but Due to COVID, I had to wait several months. Then several months later, on XX/XX/XXXX20 I called XXXX  to verify the amount on this collection I owed, and the agent proceeded to inform me that the account I had already paid this off a year prior. Well confused, as I knew as I just looked at it a few minutes before, I then asked, Why has this been reported again and on my credit report since XXXX? Then the XXXX  agent contacted CCS Collections & put my call on 3-way to verify this new information. The CCS agent, then confirmed that I didnt owe anything on the so-called reported collection and despite being asked, the CCS agent refused to remove this inaccuracy and false account from my credit report.
Product: Credit card or prepaid card

My real problem is that my credit card company has not provided me with a statement for the month of XXXX of this year, but the questionnaire you have here at the cfpb does not include that specific option. Anyway, I'm enrolled in paperless billing with my CC company, but they have not yet made available my statement for the month of XXXX. The XXXX and XXXX statements are available for me to review online, just not the one for XXXX. I already called the company to bring this issue to their attention, and even though they have not yet provided me with a paperless copy of my statement ( either online or sent via email ), they mentioned that they would provide me with a printed copy of it and send it via postal mail. Today I have received a letter in the mail from my CC - the envelope includes a cover letter stating that enclosed is a copy of my billing statement, however there are no other documents enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, there are 3 student loans reporting in my credit reports that I never opened. I never applied for student loans, I never even went to college. I have contacted Experian, XXXX, and XXXX to request the removal of these accounts but, they came back verified by Dept of Education. I contacted the US Department of Education and requested documentation with my signature, proving that I applied for these accounts but, I never received a response. These 3 accounts reporting in my credit reports do not belong to me!
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 Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account XXXX : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 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: Money transfer, virtual currency, or money service

Date : XX/XX/2022 Amount : {$28.00} I tried to email PayPal and go to the message center but they just saying that i will wait for 180 days its too long and i watched XXXX review from bloggers that they also experienced that problem holding money by PayPal and then they wait but before 180 days payment got their money saying that its for the fee for the damage caused. i really need the money for emergency purpose thank you.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Debt collection

This was first deleted in XXXX for not being my account. Then it re-appeared and PENN CREDIT CALLED ME ABOUT a supposed XXXX XXXX XXXX XX/XX/XXXX old electric bill. I have lived in Florida for 5 years and this is not only not my bill but worse? 
They NOW put it down as NEW 30 days past due & a NEW LATE PAYMENT MISSED! 
This destroyed My score since it was a 5 year old collection now as THREATENED IF NOT PAID WAS Reported as a NEW RECENTLY UNPAID BILL. 
Please DELETE THIS EITHER IN ENTIRELY OR IF YOU CAN NOT THEN THEY MUST SHOW THIS AS UNPAID AS OF XX/XX/XXXX THE LAST MONTH I LIVED IN NJ? WHICH IT IS NOT RIGHT EITHER. AT LEAST IT WILL NOT HURT MY SCORE AS THIS FRAUDULENT THREAT WAS CARRIED OUT TO MIS REPORT AS A NEW MISSED PAYMENT!
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX This hard inquiry are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already made a complaint with this company on XX/XX/2018 and they said they needed more proof of my identity which is bull since they had my name. They need to remove these hard inquiries off my credit reports because I never had a contract or gave authorization to my information!
Product: Credit card or prepaid card

There was multiple charges to my card between XXXX and XXXX totalling {$4300.00}. it appears that this company continued to charge my card {$300.00} at a time untill all my money was taken. I immediately disputed the transactions and about 10 days later got a email stating that my inquire in regards to the transactions show that there was not a error. Well this is rediculous as I did not authorize these transactions and I also supplied proof that this company has done the same thing to other people. I did not receive any good or services and did not present my card to be charged so I need my money refunded to me and furthermore I'm ready to get a lawyer to help me. I was also informed that serve card has been sued for this very reason in the past by not correctly resolving disputes. My money was stolen with out my authorization and it needs to be given back to me. Especially seeing I showed proof that this chumba has done this to others and are known for taking money with out authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and XXXX are been non-compliant with removing the unverified account WESTLAKE SERVICE INC XXXX. XXXX, XXXX, and XXXX have both completed their research and determined that WESTLAKE SERVICE INC was not established by myself but XXXX, XXXX, and XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX, XXXX, and XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Product: Credit card or prepaid card

I filed for Chapter XXXX bankruptcy on XX/XX/XXXX in the United States District Court District of XXXX. My Kohls credit card account was included in the bankruptcy petition for the current balance I owe kohls.  There was some unauthorized transactions made on my Kohls credit card account from XX/XX/XXXX to XX/XX/XXXX and Kohls did an investigation and determined I was not liable for the unauthorized transactions that on my Kohls charge account. Kohls recently sent me a letter informing me, I am now liable for unauthorized transactions that Kohls determined previously, I was not liable for. Kohls also filed a police report with the XXXX XXXX Police Department in XXXX XXXX XXXX, MN requesting for criminal charges be filed against me for unauthorized transactions that was made on my Kohls charge account from XX/XX/XXXX to XX/XX/XXXX, that Kohls previously informed me I was not liable for. I did not commit any fraud or crime with my own Kohls credit card account. There has been miscommunication and a misunderstanding with me and Kohls in regards to unauthorized transactions that was made on my account from XX/XX/XXXX, to XX/XX/XXXX. I can not recall any of the unauthorized transactions that was made on my account from 9 months ago. Even after filing for bankruptcy, Kohls continued to contact me by sending me letters by U.S. mail informing me of their investigation of unauthorized transactions on my Kohls credit card account. The federal bankruptcy law of an Automatic Stay specifically states that creditors can not contact you to collect debts after youve filed bankruptcy. The Automatic Stay protects me from harassing phone calls, emails, and letters. My Bankruptcy Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX will be in contact with Kohls about this matter.
Product: Credit card or prepaid card

After noticing two of my credit cards were being used without my consent I contacted Upgrade. I advised the disputes department of the Fraudulent charges and almost 20 days after the dispute they declined my fraudulent disputes. I received an email from them just stating the list of transactions and decline next to it no letter no request to get a police report nothing my XXXX XXXX card same thing happened within two days I was given full credit back on my card no questions asked this company is in violation of the dispute regulatory pertaining to credit cards and or line of credit. They are not willing to take accountability for what they say a 0 % fraud liability. I have no way got no benefit with somebody fraudulently using my card.
Product: Credit card or prepaid card

OnXX/XX/, I purchased 2 appliances ( washer/dryer ) totaling {$2400.00} from XXXX. This transaction was not posted to my account until XX/XX/XXXX. I opened a dispute with Citibank because I thought the transaction was suspicious since I purchased on XX/XX/XXXX but they posted on XX/XX/XXXX. 

Citibank then cancelled by cards and sent new ones with a new credit card number. The prior XX/XX/XXXX bill was paid in full via autopay on XX/XX/XXXX without the original charge from XX/XX/XXXX which was listed as a conditional credit based on the dispute. 

The dispute was withdrawn once I figured out that the charge on XX/XX/XXXX was correct. But instead of XXXX charge for the original {$2400.00}, there were XXXX identical charges that were put back on my account in the XX/XX/XXXX statement for the original date of transaction on XX/XX/XXXX AND for XX/XX/XXXX. I called Citibank regarding this and that it was odd but the customer service rep assured me that they were seeing only 1 charge and not to worry. 

When the XX/XX/XXXX bill was paid via autopay, on XX/XX/XXXX. I ended up having to pay for the duplicate charges for {$2400.00} which was {$4900.00}. When I called Citibank again about this double charge, they provided a conditional credit while they investigated. 

Then in the latest bill Citibank has posted the credit refund on XX/XX/XXXX for the duplicate charges which should have resolved the issue but then the XX/XX/XXXX charge of {$2400.00} was carried over into the latest bill. So what should have been resolved, Citibank has charged me yet again for the same charge from my XX/XX/XXXX statement which was resolved. 

I have called Citibank no less than 7 times at each step to try and resolve it but they keep asking for more documentation multiple times and closing and opening the dispute. They're giving me the run around and not addressing this dispute to resolve it even though they have all the information and I have called numerous times. I have paid every bill on time and am just seeking to have the payments reconciled which is pretty obvious from looking at the statements.
Product: Checking or savings account

On XX/XX/21 Citibank closed out my account I was a customer for 3 or 3 1/2 years now until this day XXXX they still have not told me why or what happened ( I have a idea but they did not do a investigation or anything they just close my account ) basically they sent me a letter saying they would mail me a check for the funds remaining in my account which was between {$2800.00} - {$3000.00} in that range/area I ent to the branch in XXXX They have been acting funny about my funds Ive called and visited the branch XXXX XXXX XX/XX/XXXX and XX/XX/XXXX they said they can not issue me any funds I have to wait for a check In the mail. I received a letter XXXX saying if I needs my funds sooner I can go into the branch.I called the fraud or what ever department listed on said letter they said I was always able to go into the branch and get my funds. On XXXX I got back into the XXXX  branch again and when I did they told me on XXXX they already mailed out a check. I spoke to Citibank representatives I called 5 times XXXX XXXX XXXX XXXX and today XXXX and I spoke to supervisors 3 time every time I speak to them I ask when am I getting my check and exactly how much will it be? They keep saying its a confidential matter and they cant discuss it any further with me and hung up and this has been 5 times and I felt that its XXXX for a supervisor or representative to hang up on a customer. Im XXXX  at this point. And that was my loan and credit card company money I need my money ASAP my credit score has dropped and I now have have missed payments smh