23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX  sent me a phone that was incomplete. I called and XXXX agreed to cancel my XXXX account and I return phone. They cancelled my charges and I sent phone back. I continued with their cable TV and internet service. Phone returned IMMEDIATELY in XXXX, but they never credited my CC. In XXXX, I disputed CC charges, sent my bank proof phone was returned and charges reversed. In XX/XX/2023, I move to Arkansas. No bills were ever sent to me and I thought all was finished. After moving XXXX  sent me notice that I owed {$93.00} for the phone and one month of XXXX at {$25.00} and startup. I explained through EMAIL and PHONE that I returned phone and had cancelled that account. After 4 months and me moving, they claimed I never returned phone and that I also owed the {$25.00} for first month. XXXX turned my account to TSI for collections in XXXX. I tried to submit a dispute, but their site wouldn't allow me to. I finally got proof from my bank and XXXX shipping proof. I sent proof to XXXX and TSI. TSI has now blocked me as I have sent them proof of return. BOTTON LINE, the negative on my credit hasn't been removed. I am in the process of emailing XXXX and TSI every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Target credit card account was paid off but is still showing open and more than the original credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1 : It also states a consumer reporting agency can not furnish account without my written instructions.
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - UNAUTHORIZED INQUIRY 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

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX US BKPT CT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24-48 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2024- CFPBXXXXXXXX XXXX  against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to Transunion through this site to receive a free yearly credit report. Transunion stated for " verification '' I had to supply a credit card number. It then told me to click to get my free credit report. I was then charged {$19.00} for a subscription that I did not agree or want to sign up for. I want a refund and to cancel the service. Transunion would not even let me see my free credit report without first inputting a credit card. I did not even receive an email confirming this payment.
Product: Mortgage

I applied to the Homeowners assistance program earlier in the year, I recently got rewarded a grant for my mortgage for XXXX at the end of XXXX. The funds where sent to Service Mac On XX/XX/2022. I have been calling Service Mac they keep telling me they did not receive it. The people from the Homeowners assistance Program says it takes up to 24hrs it is now XX/XX/2022 ; it has been 17days ,12 of which are business days and they still say they have not received it. I got InTouch with the homeowners assistance program they are going to put a trace on the funds they sent. I know that all the information was right, the funds where sent electronically it had my loan number on it, it had Service Mac name on it going to lost Mitigation. I am just not sure how the funds can just disappear. I have had such a bad experience with this company. At this point I just want to get this resolved and get the funds applied to my account. I just feel like the goal for this Company is to take my home. I will do everything I need to in order to keep my home but it just seem all my efforts are for nothing. I need to know were the funds went to because I know it went to my mortgage company I just need to know where it went to why is it so hard to locate. In the beginning Service Mac didn't want to give the information to the Homeowners assistance program in order for me to get the grant it wasn't until I filed a complaint that they got what they needed and now that I got awarded the funds they claim they never got it. The Homeowners Assistance Program recommended me for a new program the federal government has called the XXXX I would be paying 25 % less than i do now so along with the grant my mortgage would be lowered now it just seem like I am going to loose my home all together.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2023 I began receiving emails in my gmail acct about pre approved, unsolicited loans> i have not applied for any online loans. On XX/XX/2023, I received 2 voice mails on my cell phone to call and complete the process for my pre approved loan. i returned both call to Clearline Loans and informed them i had not applied for a loan and this was a fraudulent claim. Both representatives requested I file a police report and they take fraud seriously. They would flag and remove my account from consideration and that the application was from a clearinghouse and I would likely receive more offers. The company did verify my birthdate. 
I have filed a police report and have had a lock on my credit due to 2 prior identity theft issues.
Product: Payday loan, title loan, or personal loan

I received a payday loan in the amount of {$500.00} from Fastbucks XXXX, UT and paid back {$650.00} of it. They said No that I owe them more much more. I offered to settle at {$300.00} more but they declined it and I was served for court at the end of XX/XX/XXXX they are suing me. I have tried to work things with out with them but they are flat out denying me on settling for {$300.00} when I only borrowed {$500.00}. Please tell me they ca n't do this. These pay day loans are criminal. You have to get more and more to get out of the ones you already have.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Student loan

The initial lender, Mohela, transferred the loan to anew lender, XXXX, in the XXXX  of XXXX. In the notice, the letter instructed that no action was necessary for auto-pay and that those payments would automatically transfer to XXXX. Mohela continued to draw my monthly payments from XXXX through XX/XX/year>, but did not transfer the payments to XXXX, which resulted in defaulting on my loan. However, again, money continued to be withdrawn from my account. When I figured this out, after being denied another loan ( with XXXX XXXX XXXX and $ XXXX in income ), I called Mohela. The wait was more than an hour and I opted for a call back on XXXX. They never called back. I called the next day, XXXX, and waited on hold for more than XXXX hours before a representative came on the line. She would not help me and told me to call my bank to stop payment. I did call my bank and stopped payment. I paid XXXX directly and set up a new autopay. My credit has been affected and I have no recourse.
Product: Vehicle loan or lease

- Paid off vehicle in full on XX/XX/year>. 
- Was told that a lien release document was sent to me on XX/XX/year>. 
- Following the defined waiting period, called back and was told that lien release documentation was never sent, all they were able to confirm is that the lien release documentation was sent to the mail room. 
- During this time, Chase kept insisting that they were requesting a duplicate title from the XXXX  XXXX, where the vehicle was registered, despite being told that I had contacted the XXXX  XXXX and confirmed that the title was actually in WA. Despite this information, Chase refused to provide the lien release information to the XXXX  XXXX. 
- On XX/XX/year> contact Chase again to see what could be done to provide XXXX  XXXX with the lien release documentation and was told to provide the XXXX  XXXX with the following Fax number XXXX in order for the XXXX  XXXX to request XXXX XXXX information. After contacting the XXXX  XXXX again with this information, was told that the XXXX  does not request lien release information and the lien holder has to submit this information themselves. Again incorrect information provided by Chase. 
- On XX/XX/year> contacted Chase again to request that THEY submit lien release information to the XXXX  XXXX and was told that they have submitted the lien release documentation to the XXXX  XXXX and I should revert back to Chase within XXXX business days to confirm. 
- On XX/XX/year> contact Chase again to be told that no such information was submitted, instead they re-sent the lien release documentation to me, which was supposedly already sent on XX/XX/year>. They had made no effort to contact XXXX  XXXX to provide lien release documentation and I was instructed to wait another XXXX business days to receive my lien release documentation. 

During this time, my vehicle has been paid in full, the check has cleared and the funds deducted from my account. Despite this, I am unable to register the vehicle in my name, because I do not have the title or lien release documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Debt collection

FEDLOAN showed up on my credit report. 

All student loans were/have been forgiven. 
STUDENT LOANS {$4800.00} Reported balance FEDLOAN SERVICING {$3100.00} FEDLOAN SERVICING {$1600.00} I have not authorized making of any kind of payments. I do not know who this company is. 
WHAT SCHOOL?
Product: Mortgage

My complaint is against PHH Mortgage Servicing company for the added service charge of {$7.00} for making an online payment. I have already contacted PHH and they have already explained that they have the legal right to charge this fee. The part of my complaint that they left unanswered is how is it fair that they can charge {$7.00} for an ACH transfer that probably costs them less than {$1.00}. That is an excessive mark-up that I feel should not be allowed especially given that I never had a choice in who my mortgage servicing company would be and I do not have the option to move my account to another servicer. 

I feel like the CFPB and state agencies should be doing more to protect consumers from high fees, especially in industries where we have no say so or choice in who services our loans.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 


I told the Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX : account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more According to 15 U.S.C 1681 i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602A. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Checking or savings account

I transferred XXXX to Marcus bank 10 months CD account. One day they restricted my online access. I called them several times. They wanted me to fill up the form for affidavit of identity in order to give my access back. It took them 2-3 weeks just to mail out the form to my address. I was not in the country when my form arrived so I called them several times just to make sure I can do the notary at embassy overseas or online. The answer was yes. I did the Texas online notary and mailed the form back to them. About 1-2 weeks after, I received an email saying my CD account was closed. I called them back asking where my money went. They put me on hold for 30 mins just to tell me to call back again in 3 days. Then I called back, the call lasted almost an hour, still have no definite answer. The specialist told me that looked like the previous agent I talked to couple days ago was trying to reopen an account for me and put my fund back and they are working on it. I asked him if they can just mail the funds back as a check to my address cuz Im done dealing with them. He said he couldnt because theres no money in my account to transfer out that I need to wait til the account was reopen and funds moved back in order to transfer out.and he wanted me to call back in 3 days. So I called back then they couldnt even tell me where my money is now. She even told me that she couldnt discuss with me any further because my affidavit of identity was not complete!!! I literally just went off on the phone with her, its been ridiculous. She said the stamp is not legit and its not in person signature. I told her the online notary is legit and certified. She said I have to redo the form and she refused to talk to me further. I told her Ill not be in the country for another half a year. And I dont see why the certified online notary is not legit at their bank. And i literally just wanted to know where my funds in the account went since they closed it. I feel I just lost XXXX at their bank its ridiculous I dont know what to do
Product: Credit reporting or other personal consumer reports

Hi there and good day I noticed there are a few things on my 3 credit reports, that are inaccurate. I contacted all the companies and ask them to correct their inaccurate information with all 3 credit bureaus. I explained I never gave permission for my credit to be ran with these companies. I contacted the credit bureaus and requested this inaccuracies to be removed. The information has not been removed. Please have them remove this off my credit reports. 



1. ) XXXX XXXX ( Bank ) - XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX FINANCE ( Finance ) 3 ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( Finance ) 4 ) WELLS FARGO AUTO ( Bank ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Debt collection

I have paid this company every month. They call me repeatedly even after they have been paid, Four to Five times a day. as early at XXXX XXXX in the morning. YES, I owe them money, but I cant pay them until I get paid, and I pay them every month. Recenly I was in very sick with XXXX, and I'm not thinking about paying anybody. They received their payment and then they dinged my credit for being past thirty days. I get it, but have a heart. I've written on my payments, its all the money I have. They cash the check, then call me five times in one day. They wont stop. There robo calls. I don't answer because then I get yelled at. I'm done. I pay these people every single month. Yes, The pay might be five or even ten days late, but they get paid every month when I get paid. This harassment has got to stop. They can call me once a day. but five, six and seventimes a day is XXXX, and then to get yelled at when trying to explain I'm sick. Please tell them to stop.
Product: Debt collection

XX/XX/XXXX, in the amount of {$470.00} collection from XXXXXXXX XXXX XXXX 

XX/XX/XXXX, in the amount of {$620.00} collection from XXXX XXXX XXXX 

XX/XX/XXXX, in the amount of {$120.00} Collections from XXXXXXXX XXXX XXXX
Product: Student loan

I have been in pay of my student loans since XXXX. I still owe {$600000.00} Loan provider was XXXX XXXX and i attended school from XXXX. 
I attended XXXX University and XXXX XXXX in XXXX, Kentucky. 
Both schools got sued by the Attorney Generals Office of Kentucky in XX/XX/XXXX. I will attach document. Under the terms of the settlement, XXXX University, which owned XXXX, has agreed to forgive more than {$1.00} million in private loan debt and provide other benefits to XXXX students who attended XXXX and received an institutional student loan between XXXX XXXX, XXXX, through XXXX XXXX, XXXX. My complaint is why am I still in pay why my loan was not forgiven? And why are they not providing an adequate repayment options for people who are not working? And why did I not qualify for Student loan forgiveness under the Lawsuit filed in XXXX. 
Please find screenshots on my Loans. Now serviced my Navient and moving to XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Coinbase App allowed me to go in and buy XXXX  currency like XXXX. I purchased assets over time and accumulated over {$5000.00} in assets. When I finally wanted to take the money out of the app as soon as I converted the assets to USD/Cash I was immediately locked out of my account. 

Coinbase the company has no phone number and of all the XXXX 's of emails I have sent I do not get a response or any help in resolving this problem. 

I need to get this money back for my son and my family. 

The more I read about this company the more I can see this is a common problem and lot of other people have the same problem. 

No response from Coinbase because they are stealing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I reviewed a current copy of my credit report and I placed disputes to have inaccurate or fraudulent information reviewed. I have not heard back with any results and it has been more than 30 days per the FCRA. I am currently now being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened a few investigations in negative credit reporting of ninety days late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until XXXX XXXX, 2017 ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until XXXX because I had no clue that I was in repayment until XXXX. The statements were being sent to the XXXX University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all XXXX credit bureaus. I could not have put my account on e-statements because I just created an account with XXXX XXXX in XXXX. The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.