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

I am submitting this complaint because Dept of Education transferred my loan ( s ) to MOHELA and once this happened several inaccuracies were reported on my consumer report such as late payments and inaccurate amounts. 15 USC 1681 ( a ) -Congressional findings and statement of purpose states that the banking system is dependent upon fair and accurate credit reporting. I have tried to resolve this matter with the company and also the credit agencies but neither of these companies complied or investigated this matter. The CFPB released a report stating that Millions of student loan debt borrowers had their debt transferred resulting in errors for 'hundreds of thousands of accounts '. The CFPB stated that companies are engaging in potentially bad behavior regards to these types of transfers. I feel I was treated unfairly because my dispute was never handled and this is effecting my consumer report and has caused me to be denied credit.
Product: Money transfer, virtual currency, or money service

On approx XX/XX/XXXX I sold XXXX XXXX, via XXXX XXXX XXXX, a set of XXXX art work. Multiple hand carved wood figurines, mailed the package to XXXX XXXX, I was to get paid through XXXX XXXX, I did not have a current bank account attached, so on XX/XX/XXXX, funds were given to old Chase account, funds removed on XX/XX/XXXX. I am not savvy at technology, so later I found out my old account was linked. I added my husbands XXXX XXXX for payment. I had emailed XXXX support XXXX with no response. Foolishly, I XXXX  XXXX support, got connected with scammers. I was on the phone with them for approx XXXX hrs where they had me upload XXXX XXXX desktop center software, unknown to me, they could see my accounts as we spoke. This was XX/XX/XXXX. 
We first went to XXXX, some how, all this was to get them to give me my {$94.00} I had coming. Then my XXXX XXXX, CASH APP, which they told me to request {$1500.00} from my XXXX, XXXX, see screen shots. The XXXX withdrew the {$1500.00} at XXXX XXXX  on XX/XX/XXXX. I grew increasingly confused as time went by, they asked me to purchase gift cards at XXXX, see XXXX screen shot. I got wise at this time, and my husbands help, disconnected contact. I didn't read off the numbers on the gift cards I purchaed or they would have had the additional {$900.00}. 
Horrified, I called XXXX XXXX XXXX, and went to branch, they instantly, credited me my money back, only to take this back on XX/XX/XXXX, see XXXX. Cash APP, refused my claim, # XXXX. XXXX Police Dept was contacted, XXXX # XXXX XXXX, XXXX XXXX, documented event. I called, emailed XXXX XXXX XXXX, and reported event, i went to branch also to report. 
XXXX card, was contacted. CASH APP x3 after denial of any assistance. I am on XXXX, this is my money to live on, this is a hardship for myself, my family. 
XXXX XXXX XXXX XXXX ID XXXX. 
US Postal service reports that the item was delivered, I reached out to XXXX XXXX, she would not respond to my questions on payment, or if she received the items. 
No response to my multiple emails to XXXX XXXX XXXX. I hope the screen shots delineate the sequence of events decently. 
XXXX allowed me to cash out the gift cards for cash, which was wonderful. 
On XX/XX/XXXX, I called Cash APP, fraud line, spoke with XXXX, reporting, I was contacting you, making a Claim, could they help me? XXXX, reported they could not.
Product: Debt collection

I opened a XXXX XXXX  account in XX/XX/XXXX and accrued {$43.00} of charges. I paid that in late XXXX online via checking acct info that I provided. The account then showed it having been paid. I went in later and it showed the amount still due. I called them in late XXXX and they said that they either tried ( they couldnt say ) to pay the balance via the account number that I gave them or with a debit card ( they are both linked to the same checking acct ). They read off the checking acct number on file and I said that it was correct. They ran it and said it worked. That charge of {$43.00} was then taken from my account on XX/XX/XXXX. A day or so ago I received an e mail from XXXX  stating that my statement was online. There were XXXX and XXXX statements there ; the former again showed the {$43.00} owed and the XXXX unavailable. I had it with all of that mismanagement and called them to cancel my card on XX/XX/XXXX. I was then informed that there was a {$25.00} bounced check charge on that account. I explained everything to them and they said that they could not remove it. They threatened to keep charges accrued forever on that unpaid balance. I went to a supervisor and she told me the same thing. They did not say that I was at fault, nor did they admit their wrongdoing, they simply said that the charge would remain. 

So I have been wronged and threatened and hope that you can help me. 

XXXX XXXX
Product: Debt collection

Received a letter from State Collection and they indicated that I owe {$110.00} and some change for a XXXX XXXXXXXX XXXX XXXX XXXX I have never been to this establishment. I have checked my records with my insurance company and they have no record of any claim coming from this XXXX XXXX XXXX on this date. I did on that date go to XXXX XXXX XXXX XXXX and that is through XXXX XXXX XXXX which is now a part of the XXXX XXXX XXXX XXXX. I do not know if there was a computer glitch in which my personal information some how got leaked but I do not owe this debt. I have even tried to get on the patient portal with this XXXX XXXX XXXX and they do not have any record of an account for me. I have requested an investigation and proof of this so called debt. Have not received a thing from this XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to alert you that I was the victim of identity theft. I looked into how to delete the bogus entries from my report and discovered that I needed to file a report with the FEDERAL TRADE COMMISSION or https : XXXX. Credit reporting agencies are required by FCRA section 605b to remove/block any items reported on an id theft report. Please see the ATTACHED documents to help you stop the incorrect information that is being uploaded on my report. 

The following is a list of items that do not belong to me and were opened without my consent. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$6600.00} ; XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The account needs to be removed as it is fraudulent : XXXX XXXX XXXX XXXX
Product: Debt collection

Today 's Date : Monday, XX/XX/XXXX This Matter pertains to a Debt Collector 's Harassment by Credence Resource Management, ( A Debt Collector ) hired by XXXX XXXX XXXX that continouisly been harassing this Consumer, since XX/XX/XXXX. 

CRM REVIEW YOUR RESPONSE CRM SENT THROUGH CFPB CONSUMER PORTAL ON DATE : XX/XX/XXXX CFPB XXXX # XXXX. Which CRM STATED- " DESCRIPTION PF NON-MONETARY RELIEF : ACCOUNT CLOSED, XXXX XXXX CREDIT DELETION. '' For CRM 's Records- CRM is violating Social Security Act sec. 207 [ 42 U.S.C. 407 ] 42 U.S.C.

sec. 408- Penalties- {$25000.00}. or 5-10 years Prison OR both. Mail this Consumer a Cashier 's Check in the Amount of
{$25000.00} for the harassment of the last 4 years. CRM is aware of the Fraudulent Business Practices XXXX XXXX XXXX commits. 
So MAIL IT TO ME! 

STOP HARASSING AND CORRECT ALL THREE CREDIT REPORTING AGENCIES THAT CRM HAS CREATED HARM TO THIS CONSUMER! PAY UP NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard credit inquiry, on XXXX XXXX Caliber Home loans used a service, XXXX and information not provided to them to obtain mine and my wife 's credit reports. When questioned about this they apologized for the miscommunication. I 've challenged this inquiry with both Caliber and XXXX in writing to no avail. Caliber and XXXX indicated that I gave verbal consent which I did not which is a lie. Caliber just gave me the running around. XXXX removed the inquiry after I filed a dispute but XXXX and XXXX  refused to follow suit.
Product: Student loan

On XXXX XXXX, 2015 at approximately XXXX mountain time I contacted XXXX XXXX to speak to someone about making a payment plan on my student loan which I had stopped making payments on due to extreme financial hardship.. The customer service representative that took my call was unprofessional, rude and used bullying tactics and demanding that I pay the amount in full. I repeatedly asked him to stop talking over me so I could explain again to him that I needed a " repayment plan '' or Forbearance agreement forms so I can sit down and figure out what I can do to resolve my situation and pay my debt. I am VERY DISAPPOINTED as I contacted them to try to make a payment plan and just feel like I was abused and shamed. If the calls are truly monitored and recorded you should listen to it. XXXX XXXX - email : XXXXXXXXXXXX, You may contact me for further information if you wish.
Product: Credit reporting or other personal consumer reports

XXXX has repeated fail to c re-investigate disputed information on my Consumer Credit Report for inaccuracies, unverifiable and incompleteness. Child Support, Late Payment, Collections, Inaccurate personal information are among errors on my consumer report continually being reported.
Product: Mortgage

My mortgage was sold to PHH Mortgage from XXXX XXXX in XX/XX/2021. PHH Mortgage claims that XXXX XXXX did not release all the funds in the escrow account. As a result they are charging me the money they claim they never received and the money which I pay for the escrow for tax purposes I have to pay out of pocket. 

For more than a year I have paid on time and at a higher rate than required. Instead of the required {$850.00} a month I have paid {$900.00} a month directing every time for the amount to go to principle. They have stated more than once it is because they have not received the funds from XXXX XXXX. 

I have filled my legal obligation in making payments on time and it seems to be breaking their contract with me for charging me for missing money they did not collect from a third party which I was not resolved in. If they have mismanaged funds which according to one of their Senior Account managers happens often on accounts it is not my responsibility or my debt.
Product: Credit reporting or other personal consumer reports

Under the guidelines of the Fair Credit Reporting Act, it is stipulated in 15 USC 1681 section 602 ( a ) that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy. Chex Systems is recognized as consumer reporting agencies, and I, as the consumer, have the fundamental right to safeguard my private information, as reinforced by 15 USC 6801, which mandates financial institutions to uphold customer privacy and safeguard their nonpublic personal information. XXXX  XXXX XXXX and XXXX XXXX XXXX being financial institutions, falls under this mandate. As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with explicit written instructions from the consumer concerned. Neither XXXX XXXX nor the consumer reporting agency Chex Systems have my consent or written authorization to share this information. Any prior consent, whether verbal, non-verbal, written, or implied, is hereby revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information disclosures to third parties. XXXX XXXX failed to inform me of this right, violating the law. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization, which they have done without my permission. Furthermore, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, it is unlawful to furnish inaccurate information to consumer reporting agencies, and these agencies must maintain reasonable procedures to avoid violations. As per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I am choosing to exercise that right and opt out of the reporting services provided by these agencies. Lastly, per the Privacy Act of 1974 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; this includes cosumer reports. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Product: Checking or savings account

I mistakenly deposited a check made out the estate of my deceased Mother into my 360 Capital One personal checking account for {$3100.00}. Capital One flagged the deposit as fraud because it is a 3rd Party check and placed a lock onto my entire account preventing my family from paying our bills timely. After four different calls to Capital One and two visits to a local branch the issued me a Cashiers Check for {$35000.00}. However, they still refuse to release {$5600.00} of my money while they conduct an " investigation ''.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

my student loan is still showing on my credit report as adverse credit even though it has been forgiving due to me being a XXXX XXXX XXXX veteran. XXXX and XXXX student loans showing as adverse credit due to late payments which I should never have been billed for in the first place. I am asking that those to companies completely remove there adverse reporting from my credit reports to help improve my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day or happy Saturday! How are you doing? I was shocked today when I reviewed my credit report again and found questionable information still on my fed student loan accounts from DEPTEDXXXX. All 4 of them! I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported that you investigated as accurate if it's still reporting questionable balance, inconsistent account number, name, dates of open, etc? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report Midland Funding for inaccurately reporting information to the major credit agencies and violated laws and my rights. Aside the emotional distress it has caused from constant harassment by them since 2019, I want to let them know this behavior is not acceptable for the {$590.00} that they keep asking for and does not pertain to me in any which way. Furthermore, I know my rights and will not be accepting anymore of this behavior.
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 : DEPTEDXXXX  Account NumberXXXX Account Name : U S DEPT OF EDXXXX Account Number:XXXXXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XXXX XXXX I dispute some companies with XXXX and Equifax about unauthorized inquiries on my report and in 2 hours they update me saying the inquires were accurate. Those inquires are not! They closed my dispute and tell me the hard inquiries will stay on my record for 2 years
Product: Money transfer, virtual currency, or money service

XXXX writing too XXXX  XXXX  : Comy concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They XXXX formed me that XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX 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

i requested the contract between XXXX And i but yet i received my tuition bill which should be private due to it having my personal information on it. it also came back verified even when i asked them to conduct a proper investigation which was never conducted nor provided to me as requested. I do not have any business contract with XXXX nor have I given XXXX and XXXXXXXX XXXX the permission to share such PRIVATE information nor did I receive any notice about there being a possibility of my PRIVATE information to be given out to strangers. they also mentioned they sent me mail to an address that i do not reside in since XXXX and a missouri address in which i don't reside in, which shows that i've never had any contact with this XXXX company before because if i did they would have an updated current address. i demand them not to contact me on matters not contracted by XXXX anymore and remove this account from my report.
Product: Credit card or prepaid card

PayPal is sending debit cards linked to your account unsolicited. It's up to you to close the card, and they don't take you directly to a page that allows you to cancel, you have to log in and really dig in your account to find the button. I didn't think a company could send you a debit card that you didn't ask for. 

I received the email today, XX/XX/XXXX, cancelled the card on XX/XX/XXXX before I received it. I never activated it so I have not suffered any  damages. Just reporting because I found it improper, was not allowed to negotiate the terms of the debit card, never opted in, nothing like that. There was no warning that activating the debit card could influence my credit rating. 

I can upload the email announcing the " service ''.