23daVinci/CFPB_Complaints huggingface dataset:
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 consummer rights to privacy and confidentiality under USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly.

15 U.SC. 1681 section 602 A. States i have the right privacy.

15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in a account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Debt collection

I have already paid the debt for XXXX although they will not update balance on my credit. Paid in full on XX/XX/2020. 

Transunion will not update credit with XXXX and XXXX XXXX XXXX with correct balance. 

Transunion removed old pay off debt and reduced my credit score instead of raising the score up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised by my manager that you guys could help me with items on my credit that are not mine. I have been trying to fix and I was also advised to contact the FTC and my local police which I did both. Please have these items removed from my credit as they are not mine. SC XXXX ( XXXX, Transunion ), XXXX ( XXXX, XXXX, Transunion ), XXXX ( Transunion ), XXXX XXXX ( XXXX, XXXX, Transunion ), XXXX ( XXXX, XXXX, Transuion ),  XXXX XXXX ( XXXX, XXXX, Transunion ), XXXX ( XXXX, XXXX, Transunion ). I am acting on my own behalf and  need help with this.
Product: Student loan

I requested discharge for school misconduct for my private school loans. All federal loans were discharged based on lawsuits that confirmed there was misconduct. The lender has issued multiple discharges on the same type of loa, from the same school for multiple other individuals, but they denied mine. There was no clear response as to why mine were discharged, they just say 8 was declined. I request a reason and a n opportunity to fix.
Product: Debt collection

XX/XX/2023 Kohls contacted me via telephone state I owed {$140.00}. Arrangements made to waive late fees if I paid the balance {$80.00} that would bring accout to zero balance. I paid using by debit card. XX/XX/XXXX I received a statement in the mail showing I owed {$72.00}. I called immediately and spoke with agent XXXX who reassured me that they would take care of it. On XXXX XXXX I received a phone call from Kohls stating that I now owed {$72.00} plus late fee of {$40.00}. I explained to the agent in detail the situation. I was placed on hold for over an hour. During that hour I would get a message stating to continue to hold and then I was able to left a message to unknow agent. I called back on XX/XX/XXXX and spoke to agent XXXX who once again stated this would be zeroed out. I receive calls at least three to five times a week. I just received another statement stating I owe late fees of {$41.00}. which a dollar is interest they are charging for the late fee. I would like to add they contact me demanding money prior to the due date on their statement. I have two of their agents ( unknown ) argue with me about what I owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX There was fraudulent Quick Claim Deed created in my name and the person did not pay the mortgage on time. Therefore, the XXXX XXXX placed late payments on my credit report and started Foreclosure process and would not accept any payments after I became aware of the situation. I have contacted the XXXX XXXX, XXXX, XXXX XXXX TransUnion and made them aware with a previous theft report along with a filed law suit, which I have attach all documents with the compliant. There was not full investigation on behalf of XXXX XXXX, XXXX XXXX TransUnion as XXXX  has " DELETED/BLOCKED '' the account as required BY LAW. 

XXXX XXXX will be held labile for damages for XXXX of XXXX, XXXX of XXXX cause for injure and loss! 

XXXX  and Transunion will be sued for not completing a full investigation, which is required by law! I will hired the attorney that sued XXXX for XXXX XXXX dollars for this " negligence ''!
Product: Checking or savings account

On XX/XX/XXXX I logged into my Citi account for the first time in a while and noticed that I had started receiving monthly service charges of {$30.00} ( each month ) beginning in XX/XX/XXXX. 

This is after I had already dealt with a previous issue the prior year in XX/XX/XXXX where I noticed the same thing and had to call Citi to get the charges reversed. At the time, they told me they were switching my bank account to a basic one so I would no longer receive these charges. I accepted their word, they confirmed they had changed my account over the phone, and that I would no longer be receiving service charges. 

No explanation has been given as to why my account status switched or why I have been once again charged a monthly service fee of {$30.00}. As of this writing, they have stolen XXXX XXXXfrom my account and their customer service team says they can only refund me for 5 months which is unacceptable. Citi still owes me {$120.00} for fraudulent and invalid fees. Citi is stealing money from me and its customers and needs to be investigated for shady business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained about this for more than a year, and Equifax has done nothing to update and correct the ridiculously fake address and the old, outdated phone number, inside the " Personal Information '' section of my credit report. Equifax is posting an address of XXXX, TN, where I have never lived, and never done business in. I looked that address up online, and it is an address of a mental health institution. I am ready to sue Equifax because of the fraudulent, slanderous address situation. Also, Equifax refuses to update the Fraud Alert section of my credit report. The Fraud Alert has an old, outdated phone number from 15 years ago. Equifax refuses to remove the outdated phone number. Another complaint is that while I have only one ( 1 ) physical address and move frequently, Equifax has posted a long list of physical addresses, as if all those addresses are pertinent and accurate. None of the addresses inside the Personal Information section of my credit report are correct, and one of them, the XXXX address, where I have never lived, is particularly disturbing, and outrageously, ridiculously fake and false. It is never correct for my credit report to state that I have more than one physical address, since I never use more than one physical address.
Product: Checking or savings account

On XX/XX/2021 i received an ACH deposit into my checking account of {$29000.00} at Capital one bank which was funding from a PPP forgiven loan approved and funded by XXXX XXXX XXXX and also from the Small Business Administration ( SBA ). On XX/XX/2021 i received the 2nd PPP loan funding of {$40000.00} with an ach deposit from XXXX XXXX XXXX again. After i received those two loans there are rules as how to use those funds in order to be forgiven. Using them for payroll was the main rule so as a sole proprietor i paid myself by transferring those funds to my savings account, I then applied for the forgiveness of both of those loans from SBA Which i got approved for both loans. Immediately after that and months after i received those funds into my capital one checking account, capital one decided to freeze my savings account that i transferred those funds into, claiming that SBA AND IRS requested an investigation and requested my tax returns WHICH IS A TOTAL LIE BECAUSE I CONTACTED IRS AND SBA AND THEY ARE DENYING SUCH THING. Despite that i provided my taxes to capital one as they requested and in addition i provided the notes i signed with XXXX for the loans. But capital One its being continuously lying to me which i have recorded conversations proving that, holding my funds frozen, and only capital one having access to them for their own utilization and profit. Its been months now this is being going on. I requested to send those transactions back to the sender if they cant accept them but instead they want to keep holding them which makes me wonder why wouldnt capital one want to Return those funds to the sender? After plenty of visits to capital one branches and daily phone calls capital One requested an indemnity agreement from the sender in order to send them back which is another red flag. I then contacted the sender ( XXXX XXXX XXXX  ) and explained to them whats going on, they did sent the indemnity agreement to Capital One but still capital one keeps finding excuses so they can hold those funds as long as possible for their own profit causing me severe financial heartaches. Capital ones unethical and illegal actions defeat the purpose of the PPP program SBA created in order to help small businesses survive this pandemic tragedy and employees keep their jobs. My complain is THAT CAPITAL ONE HASNT RETURNED THOSE FUNDS TO THE SENDER DESPITE RECEIVING ALL DOCUMENTS THEY REQUESTED BUT INSTEAD THEY ARE KEEPING THOSE FROZEN. ALSO CAPITAL ONE IS CONTINUING HOLDING THOSE FUNDS FOR MONTHS BASED ON LIES. Also i would like to Know if there is a time limitation that Capital is obligated to return the funds from an ACH deposit? 
Capital One is being acting shady, unethical and vey possibly illegal towards a big number of PPP RECIPENTS stealing their money basically and needs to be exposed and stopped. 
Thank you
Product: Credit reporting or other personal consumer reports

IVE DISPUTED THIS XXXX XXXX COLLECTION NUMRIOUS OF TIMES DATEING BACK FROM XX/XX/2023, XX/XX/2023, XX/XX/2023 ACCOUNT NUMBER IS XXXX AS IDENTITY THEFT, BECAUSE IVE NEVER HAD AN ACCOUNT WITH THEM. IVE ALSO ASK THE BUREAU TO VERIFY THIS AND ASK HOW DID THEY VERIIFY, HAVNT HEARD ANYTHING. PLEASE HELP, ITS HURTING MY CREDIT.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Student Loan Reporting Issues Dear CFPB, I am writing to file a formal complaint concerning issues with the reporting and management of my student loans. My concerns include inaccurate reporting of payment history, improper handling of account statuses, and other discrepancies that have negatively impacted my credit report and financial stability. 

Issues to Address : Inaccurate Payment History : My student loan payment history contains errors that need to be corrected.

Improper Account Status : There are inaccuracies in the status of my student loan accounts that require rectification.
Product: Vehicle loan or lease

Chase Auto Financing received payoff money for an XXXX  XXXXXXXX XXXX XXXX that was a Lemon Law vehicle in XXXX. 
Upon confirming receipt of payoff funds Chase refuses to process payoff on account and with credit bureau! 
While not providing a reason for the delay. 
The way Chase does business skates on unethical and biased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my credit report that have been Re-aged. Experian, XXXX  or XXXX  will not Delete the accounts even though I have submitted previous reports showing account been re-aged.
Product: Credit reporting or other personal consumer reports

There is an inaccurate account reporting on to my consumer report. The account number is incorrect and incomplete. The balance on this account is higher than the actually alleged debt ( proof provided ) this collection account is reporting as open in which this is a closed collection account. This account is reporting {$430.00} past due as of XXXX XXXX which is inaccurate because this is a collection account no payments were ever late. So I can not legally reflect XXXX past due. This account has a 1 month term category on this account but this is not a term loan account. 
This account reflects to be updated XX/XX/XXXX. It is XXXX this account has several inaccuracies and per title 15 and the FCRA this inaccurate account must be removed for violating the fair debt collection and reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed inquires on my credit report I did not approve or agreed. I then set a letter to the transunion, XXXX, and XXXX  to get these removed per the Fair Credit Act. After waiting more than a month I got a letter saying nothing could be done.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint concerning an inaccurate collection entry on my credit report, which has adversely affected my credit score. Below are the details of my situation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Central Portfolio control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Background : I fulfilled all my rental payment obligations to XXXX XXXX XXXX XXXX including the final payment upon vacating the apartment. Despite this, my former landlord mistakenly sent my account to the aforementioned collection agency without prior notice. I promptly paid the alleged outstanding amount immediately after being informed of this error. 

Attempts to Resolve : Upon recognizing the mistake, my former landlord acknowledged the error and assured me they would rectify it. However, they later directed me to resolve the issue directly with the collection agency. Despite multiple attempts to contact the collection agency, I have not received assistance in correcting this error. Consequently, this erroneous collection entry remains on my credit report, negatively impacting my creditworthiness. 

Supporting Documentation : I have enclosed the following documents to substantiate my claim : Proof of all rental payments, including the final payment. 
Written acknowledgment from my former landlord admitting the error. 
Correspondence records with both the landlord and the collection agency. 
Request for Assistance : Given the circumstances, I kindly request the CFPBs assistance in : 1. Investigating the actions of both my former landlord and the collection agency concerning this matter.

2. Facilitating the removal of the inaccurate collection entry from my credit report.

3. Providing guidance on any additional steps I should take to prevent such issues in the future. 

As a single father striving to maintain and improve my credit standing, this situation has caused undue stress and potential financial setbacks. I appreciate your attention to this matter and look forward to a resolution that rectifies the inaccuracies on my credit report. 
Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/23, I received a text message from a person saying that they were Wells Fargo bank and to confirm if there was a transition via XXXX for {$3500.00} from my account at XXXX XXXX. I replied no. I then received a text message telling me that XXXX of the representatives will be contacting me shorty. I then received a phone call from the number that is on the back of my Wells Fargo debit card thinking it was Wells Fargo calling about the fraud at XXXX. The person identified themselves as XXXX XXXX and a fraud specialist with Wells Fargo bank. The person had me confirm the amount in my accounts and the last couple of transitions. They informed me that someone was trying to use my XXXX to transfer {$3500.00} to a person in XXXX GA. I indicated that it was not me. They said to stop the transition that I would need to send {$3500.00} to a person that works for XXXX by the name of XXXX XXXX to ensure that the account is working and they can block charges for that amount. They put me on hold ( with hold music ) for a couple minutes saying they were connecting with a XXXX representative now. They returned and said that I will receive a request from the representative to send the amount and this will stop the fraudulent transaction. They said if I did not send the amount through this process it they may not be able to stop the transaction therefore I will be losing the money and I may be locked out of the account. Once I have sent the money, it would be returned to my account in 24 to 48 hours. After I sent the money, I was put on hold again to confirm the process. When they came back, they said there was an error and I needed to send it again. I said I was unable to do that at the moment. I asked for a reference number and they gave me the number XXXX. They then said they would call me back around the same time tomorrow to confirm where we are in the process. 

Once I huge up with them, I called the number on the back of my debit card directly and was sent to the online fraud department. While reporting what happened, the spoofed number tried to call me twice. I reported the incident to Wells Fargo and the case number is XXXX. Filed a police report online, case number XXXX. They also attempted to call me again from the spoofed number on XX/XX/23 at XXXX XXXX. I called Wells Fargo to add the additional information like my police report number they told me they closed my claim as there was no bank error and sent the claim to XXXX. The XXXX case number is XXXX. I was never informed by Wells Fargo that the claim was closed on their end until I made the phone call.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above.
Product: Prepaid card

This year of XXXX  I recently discovered that I was a victim of unemployment fraud someone received almost XXXX XXXX in my name that I am responsible for! Ive submitted police report and ftc report Ive reported it to the unemployment office but theyve denied my reimbursement twice over the past 6 months they wont tell me why all theyre saying is I no authorize the charges
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX STONE XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$170.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX  XXXX XXXX Owed : {$73.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Checking or savings account

Someone stole my debit card through the mail and made unauthorized transactions in the amount of XXXX. 
TD bank has denied my disputes for these transactions for XXXX seperate disputes when these transactions occured only because their failure to protect their consumers. They sent this debit card to me in the mail without my request and without informing me they would be sending my secure account through the mail. I have no idea who recieved it or how they activated but the transactions were not authorized by me in any way. I filed a police report as well regarding these incidents and I'm still dealing with the stress of the bank denying my claims. They also failed to protect me as a consumer by allowing someone to activate this card without my knowledge and allowing such large amount transactions to go through. I requested to place a block on my card to protect myself from an issue like this in the future and they said they do not provide such a service that I can only set up for text alerts that will notify for large transactions but not to block them entirely which does nothing for me if Im working and busy and unable to see my phone or out of state and dont have service. What good does an alert do me if it doesnt stop the theif or protect my funds? Td bank fails to provide their consumers with proper and adequate security even when they request such services. They also told me there is no way for them to not automatically send out a new debit card when mine is expiring which I requested as well to try to protect myself from this in the future. Other banks provide these services so Im not sure why they fail to.