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

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 
As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this submission, XXXX and XXXX promptly removed these accounts from their records. 

I have also contacted the companies associated with these accounts directly, and they have confirmed the removal of the accounts from their records. Thus, I am perplexed as to why these accounts continue to be reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only breaches this duty but also subjects me to further harm. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Bankruptcy XXXX XXXX Reference : XXXX.
Product: Student loan

My school physically prevented me from completing credits for courses I was passing. The did not refund al XXXX tuition money after. I also have not since gottem a job through this degree program. I feel ripped off. Can you please eliminate the remaining XXXX XXXX in debt? This is highway robbery. Thanks
Product: Bank account or service

I deposited a contract payroll check on XXXX/XXXX/2016 at a local Bank of America branch. The teller indicated that a hold would be placed on the check since my account was overdrawn due to a bank error that I filed in another CPFB complaint. More on that later. The funds would be available on XXXX/XXXX/2016 after XXXX. according to the teller and the deposit slip I received. The next day I received a call regarding my other CPFB complaint. I returned the call and left a message. Today on XXXX/XXXX/16 the CPFB complaint was resolved and the fees I was assessed for a debit charges that were label 'recurring ' when in reality they were not were reversed. I was happy with that outcome. The bank fixed the error. Subsequently, I went to check on the status of my funds because I was told they would be available today and so did the deposit slip I received. I chatted with an online customer service representative. She indicated that funds would be placed on an extended hold because the payroll check from a XXXX was likely to bounce. I asked what specific information that the bank received to put an extended hold on the check and she told me that it was automated and she could n't do anything about it. Additionally, I asked if I could get the check back and she said because it was in processing that I could not. I asked my employer if the check had a possibility to return and they said that there was no way that the check would bounce. The check is basically coming from a quasi-governmental agency. Additionally, the extended hold will last until XXXX. Bank of America said they only process information during business days. Additionally, the bank will not let any of the funds released because I am in the negative, which as was already stated was their fault and fees were reversed. I talked with XXXX different representatives on the phone and online and the bank could not give me a clear answer as to why suddenly the check was placed on an extended hold. The bank did not notify me of this extended hold. Thankfully, I chatted online and called customer service. I have reason to believe that Bank of America retaliated against me for filing a report with the CPFB by placing an additional hold on payroll funds. Moreover, this caused great harm to my financial situation because I ca n't pay my rent and I ca n't even buy groceries. There should be a mechanism where I can receive the supposedly " bad '' check so that I can cash it at XXXX or another place. Bank of America is basically holding my funds hostage in retaliation for filing a valid complaint against the labeling of XXXX charges as 'recurring ' charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act everything has to be XXXX  XXXX  accurate on my credit report. After reviewing my report on XX/XX/XXXX, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : 1. Date Opened- inaccurate 2. High Credit- inaccurate 3. Credit Limit- inaccurate 4. Payment Status inaccurate 5. Last reported inaccurate 6. Date of last activity- inaccurate 7. Date of Last Payment- inaccurate XXXX-year payment history shows XXXX and XXXX shows no history XXXX XXXX  day past due and XX/XX/XXXX shows XXXX days past due for Experian. This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This one account on my credit report has XXXX  violations.
Product: Student loan

I am writing to formally dispute unauthorized access to my student loan information, which I believe is a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ).

I recently discovered that my loan details were accessed and possibly shared without my consent, leading to unauthorized changes and potential financial harm. Given this breach of my privacy and the mishandling of my loan data, I am requesting a full investigation into this matter and seeking loan forgiveness as a resolution.

Please advise on the necessary steps to rectify this situation.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my husband sent me XXXX dollars for food and cash app restricted the transaction due to the subject title which was XXXX. My husband regularly puts silly comments or comments of reference in the title but cash app flagged the transaction for some odd reason. 

They sent an email requesting more information about this transaction and I explained this to them. On Monday, XX/XX/XXXX cash app froze my account with my rent money in it. I have been inquiring about the reason for 2 days now and cash app refuses to give an update or resolution only stating there was a suspicious transaction and they froze the account for my safety. They asked me to call in to clear the matter, which I did, and they continue to refuse to release my funds. If I am not able to pay my rent on time I will be fined. 


That gave yet to respond and Im beginning to think they are scamming me. I have called and called and they keep saying we sent this to our escalation team but no word about how long this would take to resolve. Ive explained my situation with no response from cash app. 

With most financial institutions they ask you to verify your identity then release your funds. I need help getting my money from them and further information about how to prosecute for this. Please help
Product: Checking or savings account

On XX/XX/XXXX, I called Bank of America phone number XXXX XXXX XXXX to ask for a cashier 's check of $ XXXX that was in still my business account the last time I spoke with BOA on XX/XX/XXXX. XXXX at that number told me she was putting that request in. I followed up after 3 days and on XX/XX/XXXX, XXXX said that the check for $ XXXX has already been sent by USPS. There were several calls I made after this where I got a variety of strange answers. Finally, on insisting that I talked to a supervisor to get a clear answer, I got XXXX on the line on XX/XX/XXXX. I had to tell her again what my request was ( meaning nothing was recorded on their system about past communications ). I said to her I wanted a cashier 's check for $ XXXX sent to me. She said she would expedite it. I made a follow-up call and spoke with another supervisor XXXX. I asked him to expedite it and put on the system in case I talk to another person the next time. 

This is the most exciting part.The third supervisor I spoke with was XXXX on XX/XX/XXXX at XXXX XXXX. He told me that the $ XXXX has been sent back to the originating bank XXXX XXXX in XX/XX/XXXX. ( Note : The originating bank for this $ XXXX was not XXXX XXXX I'm 100 % sure. Also, note that the last time I spoke with BOA staff was on XX/XX/XXXX and the $ XXXX was still there according to the staff. ) So I asked XXXX if I could get a statement as proof of where all the $ XXXX went. He vehemently said NO he would not give it to me. I said I wanted to know what was happening in my account for my tax return purposes. He still said NO. 

My question is : Is this bank exempted from being transparent? We expect politicians and public employees to be transparent but not banks? Why can not I get a complete picture of what happened to the funds that were in my business account? I need an authority to assist me in getting this information from BOA.
Product: Bank account or service

I had several accounts with the financial institution USAA, and recently they closed my checking account. I had no idea why as I was under the impression that I had a {$0.00} balance in that account as I had lost my job and had no income for a couple of months. Come to find out, they reversed a dispute that both they and the merchant agreed was invalid and recharged my account for the amount, overdrafting me and then closed the account as I did not make a deposit in the timeframe they required. At no point did my bank send me any correspondence about the actions they were taking on the account at all. In the meantime my savings account was kept open, so when my direct deposit for my first paycheck went into the account today, they blocked my funds from being used until I pay them the {$25.00} that I owe them. The entire process has been upsetting to say the least, especially due to the lack of clear standards and rules and most importantly ; communication.
Product: Credit reporting or other personal consumer reports

The company reported a hard inquiry on credit & i did attempt to do any business with this institution
Product: Credit reporting or other personal consumer reports

XX/XX/year> I asked that this issued be looked into with XXXX  XXXX on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The company General Revenue Corp is inaccurately reporting `a balance/collection of {$3500.00} under my name that is not accurate! I never received any funds from them and they in fact received money from the government, in which they did not return to them after receiving them! I have contacted this company over and over again and even sent them police reports and other supporting documents and requested this be taken off of my credit report and my name. They still choose to report this inaccurate account on my credit report, which is affecting my life! This needs to be deleted from my name and my credit profile immediately. This is causing me stress and other issues. 

General Revenue Corp said that they received this information from XXXX XXXX XXXX and just reported it without any verification or anything! I never signed any documents with neither institution!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX Incorrect Name - XXXX XXXX XXXXXXXX Employer - XXXX XXXX 
Incorrect Name-XXXX XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX Employer - XXXX
Product: Checking or savings account

I have an online Marcus savings account with Goldman Sachs for little over a year. On XX/XX/XXXX, I have initiated a transfer of XXXX out of the account to an investment account, Goldman has rejected this transfer claimed this was swift transaction and money needs to sit for a certain period of time to be able to access funds. Ive reached out to customer care in XX/XX/XXXX and sought clarification and I was told I can try at a later time without any further explanation. Ive tried a second time to access my funds with a transfer request XX/XX/year> to move XXXX out of my Marcus online savings account to another account I have and this too was rejected without any explanation. I have since called Marcus customer care atleast 3 more times seeking clarification and access to my funds on XX/XX/XXXX and was again offered no clarification on why my transfer request was rejected or why access to my funds was being blocked. From the Internet forums this seems to be a widely held practice by Marcus to block their savings customer to their funds and theres numerous report about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried talking to XXXX about items on my credit file that dont belong to me and they keep giving me the run around i even hired a lawyer to help me remove these items off my credit file, i just cant deal with XXXX any more so im here with my complaint..please help.
Product: Credit card or prepaid card

Pentagon Federal Credit Union was paid an amount that was agreed upon in a legal contract. This contract has confidentially agreement that states that I can not state what they reduced the amount due but it did state that I would pay a sum of money to pay the account and Pentagon Federal Credit Union would accept that as payment in full without further harming my credit or coming after me. I addition they canceled the credit cards which was agreed as part of the contract. 
The sum of money was paid as per the contract early and in full. The creditor has not sent me a letter to show that the account was paid which is a item that they should have provided me as I can still go to the banks and show the amount paid but not from Pentagon Federal Credit Union that states the same. 
The actions Pentagon Federal Credit Union has done is as follows : -Stated that the account is in collections ( Not true it was paid in full ) -The account was written off ( Well that is not true as I paid the amount agreed to settle the bill ) I believe that Pentagon Federal Credit Union is not following the Fair Credit Reporting Act and is penalizing me even though I paid them the amount in good faith. They have been contacted several times and they have advised me that the accounts are closed and paid in full. This is very much different than what the Credit Bureau has in my report. I'm asking for help as they have said that it would be corrected no later then 60 to 90 days. It now has been over 6 months! The manager who wrote the letter was  contacted and he was rude and treated me very poorly. My cause of the hardship was a tragic accident that impacted my head. ( XXXX XXXX XXXX ) I'm not aware of how a credit report can mark something incorrectly and get away with it without violation of the fair credit reporting act. If they state I didn't pay then I suggest that they refund the money as their reporting is stating the same level of lack of payment and is harming me more. 
Pentagon Federal Credit Union has a duty to follow the regulations of the Credit Union and of the rules established for financial institutions. In this case they have opted to not follow them as they know of my medical condition and lack of ability to ask for help. In this case I was assisted by my family member to help address this matter.
Product: Mortgage

Still missing XX/XX/XXXX XXXX interest paid statement. I have been requesting by phone since XX/XX/XXXXXXXX. XXXX/Northstar advises that is being sent but nothing is ever received. They have supplied a XXXX XXXX but we are still missing the final XX/XX/XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a car loan using my stolen personal information. I have sent them an abundant amount of information to prove my identity theft claim. They are still trying to say it's a valid account and ruin not only my credit worthy and also pretty much put me in a situation to become homeless. I have applied for over 5 different home loans and have gotten denied to rent or own due to this fraud account. Im so lost at what to do next I feel the next step is to sue this company. They have violated several of my FCRA rights. Whoever opened this fraudulent account, the detective that is working my case believes they know me very personally. I had and still have a fraud alert on my credit that states to contact me before issuing any services or goods and they failed to do that. They have never attempted to call, text or email me anything. I only found out about this account when I tried to apply for my home loan and was denied and I immediately contacted them and sent over all the requested documents. I have sent the information over to them several times. I believe what they are is against the law. Im going to continue to fight for my rights. Its sad that I'm already fighting to regain my identity back and now have to have with this company. I have found out about 37 different accounts that were open and out of all them Im only have problems with two To give advise to any consumer looking to purchase a vehicle or get a credit card STAY AWAY FROM XXXX XXXX XXXX and CAPITAL ONE. they will not help you if anything like this happens to you, its very sad.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation has taken more thank 30 Days, I haven't been provided with proof that the debt is valid. Nor have I've been provided with a sign copy of debt proving that I am in fact in-debt to said companies.
Product: Debt collection

I received a letter from Central Credit Services LLC and it stated that I owe XXXX {$100.00}. However my account with XXXX has been closed and paid since XXXX 2014. I called XXXX to double check that I did indeed pay my bill and received confirmation that I did in fact pay them in full and do not owe them anything. They have also been calling my daughter 's phone constantly for the last 2 months.
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 consumers rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX Account Number : N/A, has violated my rights. 

I looked at my XXXX credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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. 
I do not recognize this XXXX XXXX XXXX it just suddenly appeared on my Credit Report a few weeks ago. would you be so kind and delete it from my report.
Product: Credit reporting or other personal consumer reports

Experian keeps emailing me to reconnect my bank account to their services. I did, and they say my bank account is connected to their services when I'm on their website. But, they continue to email me connect my bank account. There's no way to contact them except phone or mail. They don't make available a live agent. I want them to quit emailing me constantly or delete my account. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the federal credit act 15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

The following has violated my rights : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( which is showing a few account ) Dept Of Ed / XXXX ( Which is showing multiple account ) XXXX ( which is showing multiple accounts ) U S Depatment of ED ( which is showing a few accounts )
Product: Money transfer, virtual currency, or money service

I sent money on XX/XX/2024, in the amount of {$1100.00} to XXXX XXXX XXXX a money transmitter in Texas ( XXXX XXXX ) address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX The money was wired to XXXX XXXX XXXX XXXX XXXX through JPMORGAN CHASE BANK, NA. 
I have contacted XXXX XXXX XXXX multiple times to report that the money was never received by XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX claims they can't contact the bank that they transferred my money, and they would not give me the contact information to the bank. 
Can you help get my money back?