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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

On XXXX I attempted to use my card to find out it is declined. I call Citi to find out that my account has a fraud flag on it. The only way they are willing to verify my identity is to mail a form to my home that I no longer live at ( moved 2 days ago ). I then requested to have my account closed which they refused to do. At this point I just want my account closed and to never bank with citi again.
Product: Student loan

I have over {$80000.00} in private student loans from Navient alone. My student loans total over {$150000.00} altogether. I have been dealing with XXXX XXXX, now Navient for 6 to 7 years now. I have been in deferment, extended my payment terms, gone on income-based repayment plans, and gotten reduced interest for a limited amount of time so I could afford to pay my student loans. This last year my private student loans went up to {$640.00} a month and I called to get back on some sort of reduced payment plan. I had to provide details like how much I make and all the payments and costs I incur month to month. I was told I was not approved to get the help because I had too much disposable income. Let 's see, I take home roughly {$1600.00} a month. I already pay {$700.00} in student loans not including the {$640.00} they wanted me to pay. I do not pay rent or utilities because I have to live with my mom so I can afford to pay my student loans and other bills and necessities. They estimated that if they included the {$640.00} in my monthly payments, I would have {$100.00} surplus. What if I needed to go to the doctor and pay for a couple prescriptions? That could easily blow through that " disposable income. '' When I told the Navient employee that was n't much to live on, he said, " well you do n't pay any rent, or utilities or anything like that. '' This upset me and I told him, " I do n't want to live with my family, I do so so I can afford to pay my student loans. So are you telling me that I can move out and rent an apartment and live the way I want, and because I am spending more that can not go towards student loans you would be able to lower my interest rate and payments? '' He said, " Well I probably should n't say this but yes. '' I hung up the phone and started crying. I keep trying to do the right thing and make it work and they are no help. I have been struggling to pay the {$640.00} for months now and I just realized that entire amount is going only towards interest. I just received my Student Loan interest statements for 2016, and I paid over {$13000.00} in student loan interest, and probably paid less than {$1500.00} in principal.
Product: Credit card or prepaid card

Although I had an credit account with PayPal for over ( 10 ) years and never missed any payments PayPal closed my account without any warning or notication and now refusing to reopen my account.

According to Paypal the account was closed due to a return piece of mail which I explained I moved and mail was supposed to be forwarded. I immediately provide a new address and updated the account but was told Paypal is not reinstating any accounts at this time without explanation.
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Customer Service Freedom Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX Mt. XXXX, NJ XXXX Re : Company Response CFPB Complaint # XXXX XXXX XXXX : The response given on the interpretation of the complaint has an overlooked detail : the Supplemental Real Estate tax bill from XXXX XXXX XXXX NOT the Virginia Credit Union ) , paid in full ( {$1600.00} ) by us on XX/XX/XXXX. Even so, to avoid the inconsistencies/increment of the monthly payments, we paid {$450.00} on XX/XX/XXXX to cover any escrow shortage ( as a result, XX/XX/XXXX payment will be {$1600.00} ). We are aware of a {$1300.00} Tax Disbursement payment made on XX/XX/XXXX ( the XX/XX/XXXX Escrow Analysis shows the Projected Payments to be made on XXXX and on XXXX, {$800.00} each, respectively ). For this reason, ANOTHER escrow shortage of {$290.00} will be reflected in the subsequent payments if it is not paid immediately. As per XXXX XXXX, the Tax Disbursements payments are due in XXXX and XXXX of each year, and the Real Estate is {$0.00} per {$100.00} of assessed value as of today, XX/XX/XXXX ( any changes have to be approved by the Countys Board of Supervisors ). XXXX XXXX, amendments to this situation shall be made without delay. Thank you.
Product: Credit reporting 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  Dear Equifax XXXX, My First & Last name are as follows : XXXX XXXX XXXX. 

My Current StreXXXX Address are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX After reviewing my credit report, I have found inaccurate names and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

**Incorrect Names : ** The report includes an incorrect names of : XXXX XXXX Please delete and remove these incorrect names : My First & Last name are as follows : XXXX XXXX XXXX XXXX Address : ** The report includes an incorrect address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 addresses listed above I have not resided in. My Current Street Address are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These names and addresses has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 USC 1681eb they are supposed to ensure this 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.

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 XXXX years. 

15 U.S.C. 16815-2 ( XXXX ) 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. 

I request that you investigate these discrepancies and update my credit report with accurate information as soon as possible. Enclosed are copies of documents verifying my correct name and current address : Please send me a copy of my updated credit report once the corrections have been made. 

I appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization XXXX be violating XXXX U.S.C XXXX XXXX ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act XXXX XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]
Product: Money transfer, virtual currency, or money service

I tried to complete a financial transaction via Zelle using my XXXX account on XX/XX/year>. Unfortunately, I later realized that the funds were sent to the wrong phone number and, therefore, went to the wrong recipient. I contacted XXXX 's dispute department immediately and they told me that they would process the refund, but after many days passed. I did not receive any follow-up communication, so I called them again and they told me that I would need to dispute the transaction with Zelle. I called Zelle and they sent me back to XXXX. I later concluded that neither entity wanted to take responsibility for the transaction. 

Both XXXX XXXX and Zelle have failed to provide any protection for their customers. Both entities are well aware of the potential problems with transactions, yet they leave their customers vulnerable. 

XXXX and Zelle continue to take advantage of their customer 's vulnerability and fail to provide protection or security from an imperfect system that they recklessly thrust on unsuspecting customers and continue to make millions from
Product: Debt collection

Company is calling repeatedly and more than the 7 times allowed by law to collect a debt. Discover had called at least 10 times within the past seven days.
Product: Credit reporting

After filing a dispute with Experian for erroneously reporting XXXX dismissed bankruptcies, they refused to delete them. The bankruptcy court does not verify or report to the credit bureaus. Sending someone to the courthouse to check public records or using an Internet service such as XXXX is not a legal validation for credit reporting and violates my rights under the FCRA. Experian can not provide my signature and legal validation of these bankruptcies. Additionally, my Experian credit report now shows a comment added on XXXX mortgage account ( XXXX XXXX ) that states, " Chapter XXXX Bankruptcy Dismissed on XX/XX/2016 '' which is completely FALSE and INACCURATE information, another violation of my rights under the FCRA. I request these bankruptcies and derogatory, false comments be deleted from my credit report.
Product: Debt collection

I have sent several letters for debt validation. I requested hard signatures, open/close dates as well as payment history. I received none of the above documents. 
It is well within my rights to ask for these documents per the FDCPA and the FRCA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX  {$98.00} XXXX {$130.00} XXXX {$500.00}
Product: Money transfer, virtual currency, or money service

please help me immediate ..my mom admit in hospital ... i am helpless..i am serious ... please help me immediately ... please immediately transfer fund .... otherwise today suside please open attachments respected sir please help me immediately.. please transfer fund account no XXXX state bank of XXXX account holder name XXXX XXXX XXXX swif code - XXXX TRANSFER FUND XXXX XXXX please open attachment file please help ..i am helpless ..plese transfer fund..plese understand my problam..plese feel my tears i am helpless..otherwise suside Attachments area
Product: Credit card

XX/XX/XXXX Discover bank said they would not refund me for {$6900.00} of fraudulent transactions on my discover credit card. My discover card was stolen from my residence XX/XX/XXXX and I was being threatened by the individual if I told on them they would harm me and my dog and my home. Ive since been reporting to discover and the police this incident as I have moved, changed my car and job and feel as though Im in the clear and safe from this person who stole my credit card, discover is refusing to refund my money stating there is not enough evidence of fraud even though Ive contacted the police multiple times and did NOT make those transactions.
Product: Debt collection

The CBE group claims that I owe them {$280.00} in GI bill debt and in regard to my VA loans account. I do not know any of the information for the VA loan account and it is not under my name. They say that they collect for the National Treasury. I did not do service in the military so the debt should not be under my name. They have not contacted my sponsor who the GI Bill 's name is in. They have the wrong address. They have my information without me giving it. They have harassed me after I told them that their information is wrong so I have an attorney involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update the following accounts that are hurting my credit : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have asked several questions as to why the amount of payments applied to interest and the principal are so close in amount. I would expect 1/3 of my payments to be applied to interest and the most to the principle. Also when I subtract the amount of money applied to my principle from my principle balance, the totals are not true. I still don't understand where my payments are going. I was paying a little extra every month and this money seemed to create fees? I don't understand. 

I have contacted Nelnet several times. However most of my messages have been deleted from the server. 

It took my a month of back and forth the have them remove a late payment that never happened in order to qualify for income assistance. Then they " approved '' me for an amount equal to what I was already paying. Which is different from what a representative even quoted over the phone to me. 

I should have paid at least one loan completely by now. The fact that I still have 2 loans is intentional by Nelnet.
Product: Credit reporting or other personal consumer reports

Experian has failed To fulfill its legal Obligation under The fair credit reporting act ( FCRA ) To conduct a reasonable reinvestigation Of disputed information on my credit report, Leaving inaccurate Or unverifiable Accounts unresolved. The consumer Financial protection Bureau ( CFPB ) has recently Filed a lawsuit against Experian, alleging systematic issues such as failing to forward Consumer provided evidence To furnishers, Accepting unreliable responses, And failing to adequately notify Consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite my evidence I provided causing Ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experian inaction violates federal law and my right as A consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX, I had a numerous personal commitment that unexpectedly took precedence to my personal responsibilities. My grandfather was diagnosed with a rare form of XXXX XXXX, XXXX  XXXX. Being the primary guardian for my grandparents I had new duties and debts that I was responsible for. During this unforeseen transition, I struggled to maintain my financial obligations and ended up with numerous late payments. As a result, the account was eventually charged off. My grandfather did not make it and passed away on XX/XX/XXXX. It took me some time, but I was able to get back on track. In XXXX of XXXX I contacted customer service settled the account. I was advised that if I settle the account I would be able to delete the negative history and the account would be updated to no longer show late or in corrections. A pay to delete deal. I received a better stating the payment was made and that they would update the credit bureaus. However its still showing late and XXXX out of no where this year updated the closed account and my score went down XXXX points.
Product: Money transfer, virtual currency, or money service

This issue is about my Coinbase account. I'm a XXXX citizen. I first opened my Coinbase account several years ago using my old address in XXXX. When I moved to XXXX, I changed my address to my address in XXXX. At the time, there didn't seem to be a problem ; however, a few months ago I saw that my account was restricted and that I was required to prove my identity to have my account restored. 

I have a XXXX passport and a XXXX residency card. Coinbase would not accept my XXXX ID to prove my address. I no longer as a driver 's license in XXXX, so I can't use that form of identification. Coinbase said that they needed my address to be in XXXX on my ID card. That, frankly, is impossible. They also would not accept my passport to prove my identity. My account was closed even though I had about {$500.00} USD worth in XXXX and other cryptocurrencies in it. I was not allowed to transfer my funds out of the account. 

A few weeks ago I was able to get ahold of someone from Coinbase. I was told that my account was liquidated and the funds were sent to the XXXX of Wyoming 's unclaimed property division. Wyoming has no record of my funds. 

I'm sure I'm not the only person that has been cheated out of his money by Coinbase. I would recommend not using Coinbase at all.
Product: Debt collection

There is a debt collection in my name with XXXX  XXXX for just about XXXX at an address in Ny  where I did not reside, I am a resident in Florida. The dates are from XXXX. It is affecting my credit report as of XXXX  of XXXX
Product: Credit card

I have received dozens of text messages this week providing the confirmation code to create an Affirm account I did not request to create. Affirm is a buy-now-pay-later company. I am worried that eventually the perpetrators will guess the correct confirmation code, creating an account with my phone number, making me the victim of identity theft.

I made requests to Affirm to alleviate the problem twice over the phone and once over email. When I emailed them, they deferred me to their phone hotline. After two phone calls, Affirm 's representatives informed me that they either could not or would not help to protect me from fraud. 

I am now a victim of text message spam and the likely victim of identity theft. Affirm is not helping after multiple requests for support. 

The phone number is XXXX.
Product: Checking or savings account

Capital One had no issue pulling {$100000.00} from an external account when I opened a new 360 Performance Savings account. however, once I went to withdraw the funds months later, they froze my accounts on two separate days, taking 30+ minutes to resolve the first day, and unable to even provide a reason or resolution the second day after another 30 minute phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification on XX/XX/22 from XXXX XXXX regarding a new Hard Inquiry on my XXXX Credit Report from CB Indigo. Knowing that I had not recently applied for any new credit, I contacted CB Indigo on XX/XX/22 at XXXX using the information from the Inquiry section of the Credit Report. I spoke with XXXX ( XXXX ) asking if a new application was submitted in my name. She confirmed there was an application submitted after I provided her with my Name, Address & Last 4 digits of SSN. I told her that I did not apply and that this was a fraudulent application and also asked her to notate as Fraud and Cancel/Withdraw the application. I also asked that the Hard Credit Inquiry be removed due to Fraud. She transferred me XXXX ( Account Manager ). I explained what had happened again and was told that they are unable to remove the Credit Inquiry and I would need to contact the Credit Bureau. 
I then went to the XXXX website ( same day ) and spoke to XXXX ( Agent ) via Chat feature and explained everything that transpired and my conversation with XXXX and XXXX at CB Indigo. XXXX confirmed the Hard Inquiry and told me that Inquiries are not able to be disputed with Credit Bureaus and they need to be removed by the Lender. He assisted with sending a notification to the Creditor stating that I didn't recognize the Inquiry to see if they would remove it with that and told me to check back a week later ( today ) and see if the Inquiry was removed. If the Inquiry was not removed ( which it has not been ), then I would need to either file a Police Report or an FTC Report. Once either of those had been filed then I would need to send it to XXXX for them to get the legal authorization to remove the Hard Inquiry. He mentioned that was the only way they can get Hard Inquiries removed. 
When I went to the FTC website to report my Issue ( Credit Reporting ), it brought me to the XXXX XXXX. 
I am really having a hard time understanding why this is such an extensive process to remove a Hard Credit Inquiry for an application that is Fraudulent. I never gave my permission nor applied for any Credit with CB Indigo. I do also have a Fraud Alert/Consumer Narrative on all 3 Credit Bureaus , so if CB Indigo did their due diligence and contacted me using the contact info provided in Consumer Narrative section on my Credit Report, I would have confirmed Fraud at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX Card appears twice on my Equifax report. I only have one XXXX XXXX  card and the other account should be removed. This account is a duplicate and needs to be removed.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activities. However, there are still accounts that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}