23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Rash Curtis associates made a payment place with. Me about a bill I allowed them to take money out of my checking on the XXXX each month and the left a payment of XXXX dollars on and put it was seriously past due when they been taking out there payments which balance was XXXX bucks and I called them and submitted the last payment and the have not put out proper on times payments instead the deliberately put negative stuff on my report and when I made final payment on phone they ask me personal infor I refused to tell them and they put more stuff on my credit report which is damaging my score its unfair I made a payment plan with them and the did not take out the last payment XXXX bucks which I called on the phone and did it that way and I have all my statements
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have written XXXX on XX/XX/2018 to have them address an issue on my credit report and they fixed the problem on XXXX, but closed my account and wrong open date for Equifax. Please assist me in correcting the issue
Product: Money transfer, virtual currency, or money service

XXXX XXXX 2022 {$350.00} Someone sent themselves money on my phone. my phone was missing and when i got it back i reported the fraudulent activity to cash app but they refused to do anything. I reported this incident immediately, multiple times but cash app refused to help in anyway in recovering the funds. I did not make or authorize this transaction. Cash app is a terrible company and app that provides no service or support.
Product: Payday loan, title loan, or personal loan

A personal loan was made in XX/XX/2022. All the loan documentation can only be viewed in the account online. 
Marcus has failed, denied or refused to provide the necessary information to access the online account to view the account information.

We have contacted Marcus by phone nearly once a week for the last nine months to provide a solution. Marcus always states that the technical department is looking at the problem.

All payments to Marcus have been on time, automatically deducted from our bank.

We want Marcus to do something to fix the problem. They refuse or fail to do anything.

We want access to our account to make sure the loan is being processed correctly.

We need answers. Marcus appears to do nothing to help.
Product: Debt collection

Due to fraudulent activities at the XXXX XXXX location ( XXXXXXXX XXXX XXXX XXXX MD  XXXX ), my name was populated and I have recieved notices of delinquesnt account. Upon contacting XXXX XXXX customer service in XXXX, 2023 I was informed that there is no account under my name in their system, also there is not such account at all ( XXXX ). Last week I have recieved a notice from collection agency for the same account. Address of the collection agency states XXXX XXXX XXXX in XXXX XXXXXXXX MN. 

I believe this is a scam that attempts to recover funds from older people.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has not updated the XXXX  acct and the XXXX XXXX? these accts have been poste as current info! this accts should not be allowed to be currentrly statuis
Product: Student loan

Navient is calling my present and former place of work in regards to m debt. When i asked the representative what was discussed with my former and present employer she would n't go in to details about it just that they are verifying information. However, that is not the case. She threatened to hang up on me. Navient is calling obsessively 5 or more times a day. It 's harassment!! 



Navient representative below ( called occurred XX/XX/XXXX, at or around XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I spoke with Transunion via phone regarding an inquiry from XXXX XXXX on my credit report that I didn't recognize and don't not have an account with. 
I told them I didn't authorize this creditor to access my report. the Transunion representative told me I needed to file a complaint with the XXXX in order to investigation this inquiry.
Product: Credit card or prepaid card

I didnt use Charges after XX/XX/2018 they are fraudulents, I didnt eat sushi nor ate food after XXXX.
Product: Debt collection

I have not had a pennys card in over 17 years.. did someone use my name?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2014 Acct XXXX This was a secured credit card that was set up as a savings account, with Wells Fargo This account is a charge off and I disagree with the XXXX. Owed as these are fees after I closed the account. These fees and other charges on this account are not authorized by me and nothing was provided to me in writing, or verbally to make me aware of the fees being placed on account until 2 years after I closed the account. 
There for reporting this as a charge off is not an accurate statement. For the last 6 years Wells Fargo has continued to report this Secured credit card with no regard to my rights and still can not show how and when these fees were placed on a account after I personally closed the account. 
I would ask Wells Fargo to remove such damaging reports off all 3 credit reporting agencies
Product: Credit card or prepaid card

I started using my Gemini card and then all of the sudden every charge was declined. Not a big deal I have other cards. Then I go to pay my card and nothing happens. I keep getting errors. I try all three ways to make a payment and get errors every time. I call customer service and they cant take a payment or tell me whats going on. I dont have physical checks to mail and no where in the terms and conditions did it say that would be the only way to make the payment. They clearly rushed this product and Im sure have created multiple UDAPP and other violations.
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 XXXX Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account 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 card or prepaid card

Best Buy Credit Card through Citi Bank- Citi Retail Services . 

Closed account on XX/XX/2022 and attempted to set up a hardships payment plan with Citi Bank- Citi Retail Services . 

The account was closed after a sudden large jump in minimum payments due with no warning. The $ XXXXmo minimum payment jumped to XXXX XXXX/mo ( for XX/XX/2022 and further ), which was far too much for my current financial abilities. The total balance on the account is {$2200.00}, and a payment plan of XXXX XXXX/mo is not unheard of for that amount. 

The customer service representative looked into hardship payment plans with a monthly payment plan of {$30.00}. Unfortunately, they could not find any such payment plan and did not offer any other plans that were within the affordable payment range. They referred me to XXXX XXXX XXXX XXXX XXXX XXXX and The Consumer Credit Bureau to find a credit counselor to assist with credit education. The XXXX  referred me, without consideration, to XXXX XXXX XXXX XXXX, which is an organization I do not support or want to be affiliated with.

I have other closed credit account payment plans with a set minimum payment that is within my budget. This act of refusing me a hardship payment plan by Citi Bank will continue to increase my late payments on the closed account since I am only able to pay $ XXXXmo at this time. The unwillingness to work with me to find a plan, and to refer me to organizations that will not set up a payment plan is a tactic that punishes poor people, keeps people in debt, and allows the bank to continue to collect and grow their own wealth with the disregard to human rights. 

With inflation, significant increases in gas and electric bills, and a lack of government accountability, a 256 % payment increase is obscene and inhumane.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion have placed a extended fraud alert on my credit report and I have sent a register letter proving a request for the extended fraud alert to be removed and they requesting me and forcing me to give them my private information and I am under duress I was not able to get a mortgage because they delaying the removal and I had went to the XXXX because they causing me XXXX I will take legal action in Supreme Court because they do not want to remove the extended fraud alert that is placed innacurate in my credit report and without my consent.
Product: Mortgage

The owner of XXXX left XXXX in XXXX. In XXXX, he was charged by the Securities and Exchange Commission with securities fraud and insider trading. The charges were based primarily on the discrepancy between the optimistic public statements that XXXX made about the subprime mortgage market and his companys practices and his private e-mails that were often pessimistic as well as his decision to sell {$160.00} XXXX of XXXX stock while publicly lauding the firm. In XXXX, XXXX paid {$67.00} XXXX to settle with the SEC on insider trading charges. In XXXX, the DOJ dropped prior charges of mortgage fraud against XXXX. 


The Department of Justice ( DOJ ) brought civil fraud charges against XXXX stemming from its relationships with federal mortgage companies Fannie Mae and XXXX XXXX. A federal jury found XXXX liable. The DOJ also charged XXXX with {$330.00} XXXX in a residential fair-lending settlement for discrimination against XXXX and XXXX borrowers. XXXX XXXX XXXXXXXX assumed these liabilities. The gave loans to minorities that they couldnt afford by placing the a second mortgage at the conception of the mortgage on a credit card as a HELOC then loan was securitize and allegedly placed in a XXXX XXXX XXXXXXXX XXXX. Section XXXX of the pooling and service agreement clearly indicates that all mortgage conveyances must have been filed prior to the cut off date. The fraudulent assignment used were created afterwards and signed by the foreclosure attorney and he signed as the Vice President for the bank. Now 19 years later Specialized Loan Servicing and XXXX XXXX XXXXXXXX Bank attempting to foreclose on my home. 
The account number with Specialized Loan Servicing is XXXX The loan was originated from XXXX then transferred and sold to XXXX XXXX and the loan was apart of the XXXX wide settlement reached with your department in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ACT IS SET FORTH AS A COMPILATION OF THE VARIOUS AMENDMENTS TO THE ORIGINAL ACT. THE SHORT TITLE OF THE ENTIRE ACT IS THE CONSUMER CREDIT PROTECTION ACT. TITLE 1, WHICH COVERS CONSUMER CREDIT COST DISCLOSURE, IS KNOWN AS THE TRUTH IN LENDING ACT. IN ADDITION TO GENERAL PROVISIONS, TITLE 1 CONTAINS CHAPTERS ON CREDIT TRANSACTIONS, CREDIT ADVERTISING, CREDIT BILLING, AND CONSUMER LEASES. TITLE V1, WHICH COVERS CONSUMER CREDIT REPORTING, IS KNOWN AS THE FAIR CREDIT REPORTING ACT. THE PURPOSE OF TITLE V1 IS TO REQUIRE CONSUMER REPORTING AGENCIES TO MEET CERTAIN STANDARDS REGARDING THE CONFIDENTIALITY, ACCURACY, RELEVANCE, AND PROPER USES OF THE INFORMATION THEY MAINTAIN ON CONSUMERS. TITLE V11, KNOWN AS THE EQUAL CREDIT OPPORTUNITY ACT, MAKES IT UNLAWFUL TO DISCRIMINATE AGAINST CREDIT APPLICANTS ON THE BASIS OF RACE, SEX, MARITAL STATUS, OR AGE. ( LKM )
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent two letters over 90 days ago about items that where not mine showing on my credit report. XXXX  and XXXX has already fixed the issue but equifax has yet to respond. iv sent multiple letters and no response.
Product: Student loan

Due to President Biden 's recent announcement of XXXX loan forgiveness, and the pause in payments due to to XXXX, I was requesting a refund with EdFinancial services. On XX/XX/XXXX, I requested a refund of payments made during the COVID relief period, and was advised that a refund was submitted though they couldn't email me confirmation of this. 

It has been about 2 weeks and my account hasn't been updated to reflect my loans being reinstated, while also not informing me about the refund. EdFinancial is quoting me 150 days to receive the refund, whereas they make almost no mention as to when the account would reflect the loans being reinstated. Other loan service providers such as XXXX, XXXX, XXXX XXXX, are quoting 6-8 weeks to receive the refund and their accounts are being reflecting with the update within days of the request being submitted. 

I would like my account to reflect the loans being reinstated, while also having a better timeline on when the refund would process to my bank account. If it's 150 days, why can't my account atleast be updated to reflect the loans? The application for forgiveness is open in XXXX and I can't file said application due to there being no update on my account. Transparency needs to be met from EdFinancial.
Product: Payday loan, title loan, or personal loan

On XX/XX/21 Mrs. XXXX XXXX called my personal phone and stated that she will no longer accept large deposits. However, when I asked her to send me what she stated in writing and to show me where in the policy is that it says that I can only deposit money a certain way or withdraw it a certain way she has yet to provide me with anything in writing. I personally feel targeted and discriminated against.
Product: Money transfer, virtual currency, or money service

I have a problem with Google and a lot of people have the same problem with the company. Google has a monopoly in many fields and because there is no competitor to it, it subjects us to two unfair laws and takes away legitimate rights. 
My problem with Google Ads, I have a lot of problems with them and because Google is the only dominant company in this field At first, I had a Google ads account and it was working fine and everything was fine I spent approximately XXXX USD, and on the XX/XX/XXXX, I checked my account and checked a message that appears in the account. The message content is ( Your account has been suspended. Your account violated the " Unacceptable assets in commercial activity '' policy. ) Knowing that I did not reside for violating the policy, however, I wrote to Google on XX/XX/XXXX in order to try to solve the problem. 
Knowing that I did not reside for violating the policy, however, I wrote to Google on XX/XX/XXXX to try to solve the problem, and the company responded to me on the next day and this was the content of the response ( your account was suspended on " Google Ads '' due to its non-compliance with the " misleading content and information '' policy " Missing '' that we put about the unacceptable assets used in the business. ) The company imposed a penalty on me and banned me from creating any other ads computer for life I did not break the law and the company punished me If you broke the law Why didn't the company send me a notice and give me a call in order to fix the mistake? 
Why did the company close my account when it contained money and did not return my money? 
Why was I permanently banned when they didn't send me any prior notice? 
Why did the company stop responding to any message from me? 
I have another problem. I have a lot of invalid clicks, and with this you did not return me the money for these clicks. The rate of invalid clicks is 53 %, but with this you take your right to the fullest and do not return anything to me I hate contempt, all my work has stopped, I have lost a lot of money and have had problems with clients
Product: Vehicle loan or lease

I gave proof of funds. Filled out all applications. Was told they needed supporting documents XXXX bank statements for deposits related to my XXXX XXXXXXXX benefits. Civilians arent required to do this. I get a XXXX XXXX pension, social security and a XXXX pension. They didnt ask for any bank statements. I feel I am being discriminated against. I feel that this is an unnecessary and unfair practice. Because of my service status I am being treated in an unfair and burdensome process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I lost accounts due to this bill that is not mine reappearing on my credit reports. XXXX, XXXX   and XXXX. XXXX XXXX lowered my balances and closed accounts due to this bill from XXXX. This is the 3rd time this has appeared on my credit and I've contacted consumer finance. the company, credit bearus. I've submitted proof of address where I live. I've submitted tax records everything. Each time it gets removed because it is not mine. It is sold or whatever the company XXXX does with it. This has affected me negatively and my credit to where my accounts have been closed. Score dropped. How can a bill that is not mine keep reappearing and hurting 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 U.S.C.1681, XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX ; Account XXXX XXXX XXXX XXXX XXXX XXXX  ; Account XXXX XXXX XXXX, Has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed several items are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And, according to 15 USC 1681 ( 5 ) they are suppose to do this with treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ), if any information disputed by a consumer, and any item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 
( 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 1681 ss-2 they are suppose 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.
Product: Checking or savings account

Ally bank restricted my emails in XXXX pay out of no reason. I have tried to contact them to know the reason and get this resolved. They are just impossible to work with. It took them days and still not know where the problem is. Worst bank ever. Their customer support is basically useless, kept transferring me here and there. I can't not even remove my email on their website. Now my emails are completely blocked by XXXX pay. Email is my personal property. I don't think it's legal for Ally Bank restricts and holds my emails.
Product: Checking or savings account

I had sent money through this app and it told me I had XXXX hours or so in the notification to cancel it for what ever reason weather if it was a wrong person or not when I had realized it was too late I immediately contacted the company and they said they couldnt do anything and that they couldnt even block the users account
Product: Debt collection

Called multiple times to stop reporting to the credit bureau agencies. Accounts is settled and needs to be updated on credit report. Accounts were settled in XX/XX/2021 and Midland is still reporting account as no paid. Please remove account from credit report