23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I receive social security benefits thru a pre paid card from social security from a card called direct express..well someone hacked my card for the whole amount of {$760.00} my rent, car note insurance and my food money..they made purchases in other countries.. Noe direct express have given me horrible customer service they told me that i will have to wait 90 days to get this resolved..i cant wait 90 days to investigate.. Direct express is not helping me at all..im in a financial hardship.. I need help please
Product: Checking or savings account

Okay I'm on the XXXX of XXXX I opened account at Charles Schwab Bank I deposited my XXXX check for {$1300.00} and they told me it would be available on the XXXX I received my debit card on the Monday I don't remember what date that was but it was XXXX last week I believe it was the third I that I received my debit card and the money showed on my account and everything on the XXXX I tried using my the card and it wasn't working so I called the place and they said I needed to go down to the branch and present my ID to verify my identification I did that the following day and my account is still locked in another review I've made numerous calls to the company they sent numerous emails to the department that has to hold on it and still nothing my phone bill is getting turned off I have needs to argument I need to pay stuff I need to buy food to eat and if this is the case why would they tell me the money would be available on XXXX I mean it showed in my account and everything on this but then on the XXXX day restricted and they still don't give me no time frame or nothing to win they're going to get to my problem to unlock it I mean I thought this was a good bank internet if they was going to do all this or I'll just put my money in a different account for the bank I'm very frustrated right now my phone is going to get turned out today I have no food no money or nothing and they have the money and they're playing games with what I'm just supposed to sit back and wait for them to do whatever they got to do to whenever they want to do it
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my Coinbase account was hacked and I believe {$7600.00} in US currency was sent from my account. This was in the form of litecoin and bitcoin. When I filed the police report the value at the time of the bitcoin and litecoin was approxiately {$9000.00}. I have attached a copy of the police report below. Coinbase has insurance but their insurance will not cover the loss due to the hackers getting through my password and 2-factor authentication. I have other insurance but have been unable to get much help from Coinbase. The additional insurance I have is through XXXX XXXX XXXX contracts with another company XXXX. XXXX is the one requesting the additional letter. I have spent numerous hours with coinbase over the past 4 months to try and get the appropriate documentation. During that time I have been able to get 2 emails that were not very official looking and did not contain the information that I was requesting. I have sent this information already to Coinbase but I will paste it here again. What I need is a letter stating what is pasted next. 

For Stolen Funds Loss reimbursement, the Subscriber must authorize the financial institution to provide certified documentation directly to us, signed by an authorized financial institution representative. This documentation must indicate that funds were fraudulently removed, the amount of the Loss, the type of the Loss suffered, and confirmation that funds are non- recoverable from the financial institution. 

Coinbase has made money from myself using this service and they also made money from the hackers sending out the money. I have tried to write to them to state that they should not have their accounts set up so that money can be sent to a remote location or at the very least put a three day hold on such a thing. This would stop something like this from happening. I feel the least they can do is write me a letter so that I can then try and deal with the insurance company. 

The contact information I have at XXXX is XXXX XXXX Property Claim Director XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX USA Direct : XXXX Mobile : XXXX Email : XXXX XXXX and XXXX XXXX Senior Claims Adjuster, Claims and Risk Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX USA Direct : XXXX Toll Free : XXXX Email : XXXX XXXX
Product: Credit card or prepaid card

Synchrony bank provided misleading information during my application process on 3 different occasions. Synchrony willfully and knowingly did not provide clear and conspicuous terms which led me to make an uninformed decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report XXXX/XXXX, XXXX, XXXX  XXXX and XXXX XXXX. There are also inquiries on my report that I know nothing about. Please remove these inquiries as well. I have contacted the FTC and my local police. Im also doing this on my own behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting fraudulent information on my credit report.
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  Date : XX/XX/XXXX Account name : XXXX XXXX Date : XX/XX/XXXX Account name : XXXX. Date : XX/XX/XXXX Account name : XXXX XXXX XXXX Date : XX/XX/XXXX Account name : XXXX. Date : XX/XX/XXXX Account name : XXXX XXXX XXXX Date : XX/XX/XXXX Account name : XXXX Date : XX/XX/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 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 XX/XX/XXXX, I sent certified mail to the three credit reporting agencies [ XXXX, TransUnion, and XXXX  ] showing the inaccuracies [ which included late payments and collections, that were paid in full ] on my credit report. After 30 days, the three credit reporting agencies havent made the necessary adjustments to fix the inaccuracies. The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. XXXX says I have a 30 day late payment on XX/XX/XXXX, TransUnion and XXXX says I have an on time payment.
Product: Credit reporting or other personal consumer reports

No agency is allowed my law to report my credit without consent. My consent was not granted and no credit was received to me. This is fraud.
Product: Payday loan

i had no knowledge of this account. Payday loan was deleted from XXXX bureau.
Product: Credit reporting or other personal consumer reports

Dear Equifax Consumer Relations + XXXX XXXX XXXX, I hope this letter finds you well. I am writing to bring to your attention a discrepancy that I have noticed in my credit report with Equifax. After thoroughly reviewing my credit reports from all three major credit reporting agencies, I have noticed that a specific account is correctly reported by XXXX but is missing from my Equifax report. 

Here are the details of the credit card account in question : Creditor : XXXX XXXX Account Number : XXXX Account Type : _ Date Opened : XX/XX/2013 Account Status : Open I would like to kindly request that you investigate this matter and include the account in my Equifax credit report. The accuracy and completeness of my credit report are crucial, as it directly impacts my financial credibility and access to various opportunities, including loans and credit facilities. 

Enclosed with this letter, please find copies of my credit report from XXXX, clearly indicating the presence of the credit card account. I believe that by rectifying this omission, my Equifax credit report will more accurately reflect my credit history. 

I understand the importance of maintaining accurate credit information, and I am confident that Equifax will take the necessary steps to ensure the completeness of my credit report. Please keep me informed of the progress of this request and provide me with written confirmation once the credit card account has been added to my Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND XXXXXXXX XXXX XXXX ABOUT THIS. They even have the account DUPLICATED on the profile which is double damaging!! 

I looked over the credit report and found some addresses that appear incorrect.. EVEN ONE OF MY NAMES ARE INCORRECT " XXXX XXXX ''. 

Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Vehicle loan or lease

My auto loan was originally with XXXX then Flagship Credit took over my loan ( Not my request ). During the transition there were fees added to my account in the sum of XXXX in addition to my regular loan. When I called and spoke to Flagship in regards to it they said " it was repossession fee. '' I said " How can it be a repossession fee when my car was never repossessed? '' then they said they had to look into it. then they advised me it was miscellaneous fees charge by XXXX. I then asked what they were for they again said " repossession '' I then advised again how is it possible when there is no repossession on my car? they again said that they would look into it and wait again they then advised that it had to do with an incident that occurred in XXXX. My car was stolen and the police recovered the car I was awaiting to go to court to prove that I was n't the driver and I had the police report. between the time frame of recovery and the admin court hearing XXXX went the holding yard and paid for my car to be released to them they were going to sell my car in auction and charge me with a repo. At the court hearing presented my police report and judge said you can go ahead an get you car no charge then advised me at that time the financing company picked up the car. On the date I did contact XXXX they said ok send us the paperwork. I did send it to them that day then confirmed that it was received ( I have the original paper work for that day ). XXXX said they would remove all fee and charges and remove the " repossession '' from the credit report cease the sell of the vehicle. I though this incident was take care of it was presented by the lender as such not " fees '' on the monthly statement. Lender advised me not to worry about it they will handle the paper work to be reimbursed. The mistake was removed from the credit report. I thought everything was fine until these " fees '' appeared when Flagship took over the account. I have sent the original paperwork twice now talk to several people and there is " nothing they can do '' or they do n't return calls when requested. They only time I hear from them is if I am late on payment, then they we throw you on dialer system and leave you 2 to 3 voicemails everyday until you pay and call you 7 to 8 times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agencies listed illegal information in pursuit to Section 15 USC 1681A.
Product: Credit reporting or other personal consumer reports

Account opened- XXXX XXXX credit limit {$1100.00} I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX  XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Student loan

I made two payments fairly close together. They are refusing to recognize the second payment and say that it is still due, no one has since tried to assist. I have sent them proof of payment and relevant reference numbers and no one is responding to me. 

1. I made two payments ( {$400.00} each ) which cleared on the XXXX of XXXX and the XXXX of XXXX. 

2. On XX/XX/XXXX they deducted the first payment but are still to date not acknowledging to the second payment. 

3. I have emailed three times and received a response ONCE on the XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

continuing to report a balance on a sold debt is a violation of 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ) the balnce must be reove at once or a class action law suite will be filed
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to the credit reporting agencies regarding inaccuracies on my credit file. I sent a letter on XX/XX/2021. The XXXX has not contacted me regarding my case which is a direct violation of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collection Attempts to collect debt not owed Collections is not from original creditor. I do not owe XXXX XXXX XXXX and I do not have a contract assigned to XXXX XXXX XXXX XXXX XXXX changed the credit report to act as if they are the original creditor and also hard inquiries. I've never knowingly entered into a contract with XXXX XXXX XXXX and I've asked for the credit application which they refuse to provide also. 
I have given XXXX XXXX XXXX multiple notices XX/XX/2020 XXXX to remove this off of my credit to no avail. This matter is now being litigated. 

4. What product or service is your complaint about? 
SERVICE I've requested XXXX XXXX XXXX to provide me with proof of a bill of sale and the documents that are required per Wisconsin law and the refuse to provide them.
Product: Student loan

My name is XXXX XXXX DOB XX/XX/XXXX My SSN : XXXX I have applied for federal loan forgiveness through with " borrowers defense to repayment ''. Ive sent in 3 applications since late XX/XX/XXXX, most recent submission made was within the last 30 days (XX/XX/XXXX ). Ive had no communication regarding my filed application other than confirming it was received. From what I can tell, the application has seen no movement. 
I have enrolled in an Income-based repayment plan for my federal loans. XXXX XXXX employed high pressure recruitment and sales tactics. They misrepresented graduation success, job placement rates and salary figures that were misleading. I went to school there and was taught outdated material. They said I would be getting a better education for a better price than if I went to a state college or university. I now sit here with a poverty wage job and {$74000.00} in debt. There have been lawsuits against XXXX ( whom declared bankruptcy after losing federal financial aid funding in XX/XX/XXXX ) in regards to predatory and deceptive behavior. I have been defrauded by XXXX XXXX XXXX. I worked hard every day I went to that college and no one was interested in hiring me. Most jobs that were sent from the career services department at the college were entry level technical support jobs that offered XXXX XXXX  an hour. They hardly spent any real time helping students. All they wanted to do was put me on their email blast mailing list for jobs. 
There has been several cases involving XXXX XXXX XXXX including a class action lawsuit that was settled in favor of the student borrowers behalf. In some of the supporting documents I have pertaining to this complaint. In sperate lawsuit, the PEAKs loans have been referred to as " akin '' to the " sub-prime mortgage loans '' in the XX/XX/XXXX financial crisis. I seek forgiveness from this debt. I believe XXXX XXXX XXXX must be held liable for the financial ruin they have brought to not only myself, other Oregonians and students around the nation. presently I am sending nearly half my monthly income to pay towards these loans. I can only afford to do minimum payments. If I dont miss any payment or go into default I may be forgiven from my loans over the course of a few decades. 
I have 2 loan servicers 1st Associates  ( Phone : ( XXXX ) XXXX Mail : XXXX XXXX XXXX XXXX XXXX, CA XXXX ) account # : XXXX and account # : XXXX ( private loans ) XXXX  ( Federal loan Phone # : XXXX ) ( Private loans phone # : XXXX ) Monday Thursday XXXX XXXX XXXX XXXX and Friday XXXX XXXX XXXX XXXX   ET account # : XXXX ( for all XXXX managed loans ) I have filed this complaint under the private loan flied, though I have taken out both public and private loans to attend this shoddy college. 
I implore you to contact me so I can furnish some of the documents regarding XXXX XXXX XXXX and additional supplemental information. I can send those files.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act encourages lenders to evaluate my credit score when extending for a credit to me because student loans are need-based loans. It has nothing to do with credit and should not be on my credit report. These details must be removed off my credit report right away.
Product: Debt collection

An apartment complex has sold a debt to Hunter Warfield in my name. However, I was never legally responsible for the apartment, I never signed a lease or any other legal document ; or entered into a verbal contract. While I stayed at the address temporarily, I am not responsible for the outstanding balance. They obtained my information from mail that was sent to the address. There is an individual responsible and that information has been given to the original creditor and Hunter Warfield. Both XXXX and XXXX consider the debt verified, however I know that there is no legal connection between myself and the debt, and they will not provide me with this verification. The reporting agencies and Hunter Warfield refuse to remove the account from my report and my next step is legal action, Plain and simple ; This debt is not mine.