23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for the XXXX program on XX/XX/XXXX. My loans are handled by Nelnet. My loans have been accruing interest. I inquired with Nelnet on XX/XX/XXXX on when my XXXX application would be processed since they have continued to put my loans on forbearance but the interest has continued to accrue. They told me they had no way of contacting the department responsible for processing the applications and no way of telling me when my application would go through. In this time my interest has continued to accrue which shouldnt be happening with the XXXX program.
Product: Checking or savings account

On XX/XX/XXXX I tried to log into my bank account, it says my account is locked. So I called the Bank of America to see what the problem was and he told my account is being closed please call back tomorrow to check the status on the account. I explained to him that my direct deposit will hit on the account on XX/XX/XXXX and I have bill to pay on XX/XX/XXXX like everybody else. He continues to tell me to call back tmrw. I called my job right after and explained them the situation. They said if my account is being closed they should reject the check and will come back to the company and they would put the check in my other direct deposit. On XX/XX/XXXX I call the bank to check on the status of my account and they said my account isnt due for closure till XX/XX/XXXX. They accepted my XXXX deposit and he can only foul hardship for XXXX account. At this point I went to the bank to get more information and they continue to explain the same thing and how I have to wait up the XXXX business days to see if XXXX approved to withdraw my funds. If XXXX not approved I have to wait till XX/XX/XXXX to receive my funds. Today is XX/XX/XXXX I have called the every single business day it today marks the XXXX, my account still hasnt got approved to withdraw my funds from Bank Of America.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX, XXXX, XXXX Previous Address : XXXX XXXX XXXX XXXX, AL XXXX Employers : XXXX XXXX XXXX : XXXX XXXX Employers : XXXX XXXX XXXX  Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX  XX/XX/XXXX EQUIFAX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I was looking at my credit report and found this account still reporting on my credit report please remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on my credit report a inquiry from Capital one bank USA na date XX/XX/18 that I don't have no ideal of and didn't give them consent to pull my credit
Product: Money transfer, virtual currency, or money service

I own a small business that accepts credit cards for payments. The company used to process the cards is First data. They constantly withhold MY funds for DAYS and tell me that it is my bank blocking the deposit. Seriously????? They lie to me constantly and as of today, I do not have funds totaling {$4200.00}. I have asked for a wire and they refuse. The are owned by XXXX XXXX who has XXXX me before with the scam in XX/XX/2012 where they take your money and open other accounts without permission. 5 times in a two year period for me. Now they are withholding funds. I understand First Data does this to many people. They are scam artists holding onto my money for days. I NEED THIS MONEY FOR MY BUSINESS!!!!
Product: Credit card or prepaid card

This is in response to XXXX. I was asked to respond however there was no link to upload documents there so I opted to file a new dispute so I could upload documents. 

While I appreciate paypal doing their job I would like it on the record that they are not doing me any favors as their letter indicates. While PayPal is giving themselves a parade in honor of their great charitable deeds, they did not earn it. 

Those funds were owed as per our agreement, not any other reason. I did not " receive communication which alluded to my unauthorized claim being granted, '' as they state. I also did not " receive communication which I believed indicated my claim was accepted and I was being reimbursed. '' I did in fact actually receive a communication whic stated my claim was accepted and that the claim was closed in my favor. I have a message here from PayPal that says quite clearly, " We closed the case in your favour. '' I received this message before PayPal changed their mind and decided not to close the case in my favor the very next day. I am attaching images of my conversation with PayPals support agents. I will include documents for your review because it is important to me that these sort of issues be on the record as they occured. I will not have my name slandered by PayPal nor will I commend them on doing their job the proper way when they should handle business as agreed. I expect an apology out of this. I also requested records written records of the chat transcripts both current and past that PayPal never did provide me with after my request.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take + timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution processXXXX XXXX was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 5 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

On XX/XX/XXXX XXXX XXXX XXXX of XXXX XXXX, Ok sent the payoff check for {$13000.00} by XXXX XXXX ( tracking number XXXX ). It was received by Flagship on XX/XX/XXXX at XXXXXXXX XXXX. XXXX XXXX said that the check cleared their bank in XX/XX/XXXX. I received a call on XX/XX/XXXX and was told I needed to make a payment and that they had not received the payoff check yet. I paid {$310.00} on the XXXX However, I called several times beginning the first week of XXXX when the payoff was not showing on my account. I was told I needed to provide the tracking number ( which I did ) and was told I needed to provide proof that the check was cashed. This was sent to them directly by XXXX XXXX. 

As of today, they payoff has not been applied to my account. 

I would like the account to reflect that I have paid off the car and the interest backdated to the XXXX when they received the check. I would like any overage amount returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account was opened in XXXX and was charged off in XXXX. Two internal investigations were led for my fraud application and they confirmed that they used public records to confirm my information on the application is correct when they had the wrong phone number and email. The phone number they claim they found on public records is not my phone number and is not the same email I use and still they denied my fraud application and deemed it invalid. 
They claim that I made a payment in XXXX but I never called or made a payment. 
I never opened the account or used the account.
Product: Checking or savings account

XX/XX/year> on the phone and the membership dept of Experian and they are giving false info to their insurance company they use for identity theft, which is XXXX. Saying I only had ID theft protection since XXXX of 2024 which is false. Ive been paying for nearly 2 years XXXX for identity theft protection and so when I went to make a claim to XXXX about identi is denying my identity theft claim. They are committing insurance fraud too, becus i didnt get notice of coverage from XXXX XXXX which Experian was supposed to provide.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2021, I learned of a company called Coinbase. Through them, one could buy parts of Bitcoin. After registering with them, providing driver 's license scan, self-portrait, Social Security numbers, and bank account numbers, I sent {$100.00}. a few days later, I Sent another {$100.00}, for a total of {$200.00} a few days later. 

About one week later, I was no longer able to get into my account. The company has a help phone line which is unmanned and through which one can only report possible fraudulent activity. I have filed several reports, and find a lot of XXXX complaints about the company. Apparently I am not the only one that's getting built on these things. 

They are traded on the XXXX XXXX as of XX/XX/2021 ( symbol is coin ) Apparently, a case number is automatically assigned when you call. I have several case numbers. In each of their responses, they wanted to know the same information that I keep sending them. They act interested and state that they will get back to me as soon as possible. As of this date, I have not heard anything from them. I am unable to get into my account and can not get my money back. 

Their canned response to each of my emails shows that nobody seems to be reading them and I am probably being addressed by a computer. The instructions they send tell me to change my password and login again but the problem with that is then the site tells me that I have an invalid email or password. It invites me to change the password if I have forgotten it, which I have not. Clicking on the forgot password icon takes me to another useless exercise in changing it and then finding out that it still doesn't work. 

XXXX XXXX XXXX complaints are numerous, and in XXXX complaints about this company one sees hundreds of similar cases. 

All documents are emails and are not included here
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 


XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts showing from XXXX appear on my credit report. I have NEVER had an account with XXXX XXXX other than a XXXX XXXX XXXX. In fact, I have attempted to get a card with them for many years and have always been denied. 

I have spoken with Customer Care multiple times and been assured that since these accounts were a result of identity theft, I would not be responsible, yet still show these on my credit report / get copies of the balances due in my email. 

These notices continue to say " FINAL REMINDER '' yet... they continue. I've been getting final reminders for several years now. All on a balance that I do not owe.
Product: Credit card or prepaid card

On XX/XX/XXXX. I requested the credit card company dispute a {$3800.00} charge. I did not receive services from the company making the charge. On XX/XX/XXXX, I received word that no credit is due, no error was found. 
I want my money back.
Product: Credit card or prepaid card

On XX/XX/XXXX I was notified by Discover that there was potential fraud charge on my card and when I checked my account there were 2 charges from XXXX XXXX XXXX  XXXX. I notified Discover that these were fraudulent via their automated system and thought everything was resolved. A couple weeks later ( XX/XX/2022 ), I checked my account and the charges were still there, so I called Discover and they had me go through the dispute process with a representative. 

Over the course of the next 3 months Discover called me 6 times to gather information, usually asking the same questions each time. On XX/XX/2022 Discover called me and notified me that the claim was denied because I checked my account the day it happened. They also stated that I made a payment at the start of the month, which I have been doing for the last few years. 

Discover claims that the case was resolved on XX/XX/2022 but I never received a letter and my account wasn't adjusted until XX/XX/2022. There was no response from XXXX XXXX XXXXXXXX XXXX and the entire investigate lasted over 90 days if you account for the automated message that was sent on XX/XX/2022. I've never heard of a claim being denied because the person checked their account, this is a dangerous precedent to set because I shouldn't be punished for being responsible.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts.

ACCOUNT NAME : Receivable Recovery DATE OPENED : 10.05.2022 These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit card

I applied for a Mastercard and unfortunately i was denied access to my own credit. Regardless whatever they believe the reasoning for my denial, I have the right to credit and withholding access to my securities is securities fraud. They are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since they are denying me my credit, I want them to reconsider their fraudulent decision made on my account. Reference number XXXX. 
I, XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the XXXX under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX : Reference number XXXX : 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 : Reconsider this account immediately unless they want to be held liable {$10000.00} FOR violation of each of my rights to credit and more.
Product: Debt collection

In accordance with the Fair Credit Reporting act, XXXX, Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes
Product: Credit reporting or other personal consumer reports

I sent a letter XX/XX/2024 to Jefferson capital to validate a collection account they placed on my credit report and I have not received any response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report to Transunion for Fraudulent accounts on my credit report, They placed a 7 Year Fraud Alert on my report ... Someone is STILL usuing my information to inquire about obtaining credit, I ca n't stop these fraudulent inquiries with them not providing my correct phone number. My credit has been ran NUMEROUS times. No phone call, to approve request so I could tell the, it 's CLEARLY not me applying for credit. I 'm attaching a list of the Inquiries, all with a XXXX date are Fraudulent and should be removed according to the FCRA guidelines.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines Dear XXXXXXXX XXXX  XXXX, This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : 1. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report.

3. Validation of Debt : o The name and address of the original creditor. 
o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated. 
o Copies of all documents bearing my signature that establish a contractual obligation for this debt.

4. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state.

Cease and Desist Notice : Effective immediately, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact. 
Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved.

Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General. 
Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports.
Product: Debt collection

Wells fargo created multiple accounts for me and when I confronted them back in 2013 about it they nearly through me out of the bank and threatened to call the police. They have a student loan that is associated with these fraudulently made accounts and have previously removed it. I noticed it reappeared on my credit reports and when I contacted the credit bureaus about it they said their is no legislation stopping Wells Fargo from opening a new account using the exact same data as before after it was already completely removed from my reports.