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

I sent the credit reporting agencies EQUIFAX and XXXX as well the COLLECTION AGENCY XXXX XXXX XXXX XXXX, and the alleged creditor XXXX XXXX XXXX  certified documents in refrence to an alleged debt, stating per federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standardsof practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim. per law any defiient of substantial and evident matters of facts would be unethically reported and  even illegally reported. My state and federal laws alike agree that neither willful nor ignorant disregard is acceptable so I demand here today RIGHT NOW, that the allegatuions in challenge be eradicated in full or else wise demostrated in its entirely to be compliant in every aspects of its reporting. to retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The curentlyunfounded and even not certified true or correct misinformation of such is misreporting is as follows and must be deleted immediately so please do so with delay.Alleged Reporting data Provider, Collection Agency: XXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXXNot Proven Compliant Account: XXXX** THE ORIGINAL CREDITOR XXXX XXXX HAS NOT  RESPONDED TO MY REQUEST,AND XXXX XXXX XXXX FAILED TO MEET MY REQUEST. (PLEASE SEE ATTACHMENTS) ..
Product: Student loan

I applied for the PSLF ( Public service loan forgiveness ) an act that was established by President George W. Bush which is supposed to offer public servants an opportunity to pay down their loan and have some of it forgiven. The only plan that XXXX XXXX offered me would have me pay for 120 months at a premium and would end up paying the entirety of the loan prior to any being forgiven. At the rate the company required I would have paid off my student loan twice in the 120 months. This was not the purpose of the program and no resolution was offered by the company. This is not how I would expect it to work as a current public servant.
Product: Debt collection

This notice is to inform you that you are in violation of 15 USC 1692g { 809 } ( a ) of the Fair Debt Collection Practices Act, Section 1006.34 ( a ) ( i ) and Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations for non-compliance.

Under Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations, no debt collector shall furnish information to a credit reporting agency about such debt without first speaking to the consumer or sending a letter in the mail. Because you have violated my consumer rights, I demand you to remove this account from all credit reporting agencies immediately. I have filed a complaint with The Office of The Attorney General to protect my rights as a consumer.

Failure to comply will result in legal action taken against Portfolio Recovery for each violation committed which is my right under 15 USC 1692k { 813 } ( a ) of The Fair Debt Collection Practices Act and Section 392.402 ( B ) of The Texas Finance Code
Product: Money transfer, virtual currency, or money service

On theXXXX of XX/XX/2024 my Coinbase account was suddenly blocked and I had countless problems trying to access the trading account for more than two weeks while the phone operators kept lying and giving me false assurances that my account and cryptocurrencies were safe but to the contrary.They stressed me out several times and weeks doing identity verification manual verification and others talking rudely threatening insulting refusing to cooperate in any way claiming there is no supervisor and only XXXX  can talk to me .Finally the account was stolen funds used to purchase cryptocurrencies with the intention to cash out resulting in a large funds stolen and a greedily reckless sale of a lot of my cryptocurrencies.
Product: Vehicle loan or lease

I was offered a settlement for {$2900.00} based on a {$9600.00} balance. There were issues at the end of the loan and payments were not added to the balance. I called after two years of hearing nothing from the creditor and was offered the settlement. I sold the vehicle and the vendor purchased the cars full balance. I want the amount of XXXX honored due to their errors and offer for the settlement. I want the difference between the settlement and the balance owed returned to me. Santander is a predatory lender that focuses on individuals with poor credit and charges interest rates that make it difficult for consumers to pay their loans back. The CFB needs to dig deep into this predator. I want my difference paid back to me once they receive the payoff from XXXX. Again, these predatory lenders ' policies should be looked into.
Product: Mortgage

I filled bankruptcy, including my mortgage with Rushmore Loan Management in XXXX and it was discharged XXXX XXXX, XXXX Creditors are supposed to cease reporting negative items after the notice of bankruptcy being filed and creditors discharging items. I am protected through the bankruptcy against any further consequences for this loan. After several credit disputes, Rushmore continues to report derogatory information on my credit reports. They will not remove the comments " settled for less than the amount owed ''. This comment along is not allowing me to get a mortgage to purchase a new home. ( FYIXXXX was the lender at the time of the Bankruptcy )
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX still in violations seeking damages as Im entitled by law due to theirs negligence. Information is in correct I have recordings from conversations childs support is not a loan the federal courts ruled this I sent them a statement as well as police report they have not blocked information I asked I asked for validation full account documentation records who they spoke to day time rep name and id who they got information from I only go by one name they wont remove other names as in a recording I have they said removed they since my complaint have not complied with all laws and request and keep damaging my credit they are being negligent to the law and request I have made and mailed letters upload documents sent the ftc reports and police reports but yet they are not worried about fixing there wrongs I have found over 80 violations on my credit report I have been denied even wrongly charged high interest rates because of the negligence and concern to fix this I have done everything required now they dont wan na comply I will be seeking damages and making sure the law is up held if I go into a store to steal I go to jail or break the law I dont get a chanche to correct this I can see if there where only a few people affected by this but its millions and its time the law hold them accountable as Im not above the law neither are they but get many opportunities to fix laws they break and still not comply I seek damages under 15 usc 16810 civil liability for negligent non compliance section a,1. Any actual damages sustained by the consumer as a result of the failure of. B. Attorney fees if we have to settle this in court. As the law states any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than two years, or both I have held my end of my part up everything they asked I have a XXXX this getting me denied when Im applying in good faith especially when Im prequalified. Then other creditors advertise action notice show different score then they show I dont have any more energy I spent two months doing my part and they are not complying with law
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block 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 an auto loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent Capital One account still reporting on my XXXX   after Capital One took account out my name. XXXX is refusing to remove this fraud Capital One account from my credit.
Product: Debt collection

I am filing a complaint against Barclay Credit Card Company, which is a creditor of my deceased husband XXXX XXXX, who was a cardholder of Barclay Credit Card ending # XXXX. The debt on the card was {$2000.00}. My husband could not appear in the court hearing due to being held in XXXX XXXX XXXX XXXX and the judgment was passed against my husband to put a lien on my property. My husband was mentally and physically XXXX and surviving on a disability income. Anyhow, my husband passed away on XX/XX/XXXX. I want to sell the property, but I can not sell the property because of a holding lien by Barclay. I want to pay out the debt balance and request Barclay to remove the lien on my property. I have been contacting Barclay since XX/XX/XXXX. I am offering to pay off whatever the debt balance is in the statement, but it seems that Barclay does not want to recover the debts and resolve the issue. They put me in the circle for two months by directing me from one department to another then one collection agency to another and lawyers etc. Then they asked me to fax the required documents. I faxed the documents to Barclay several times, then they asked me to mail the documents. I mailed the documents and they have received the documents. Then they directed me to a lawyer to discuss the case. when I spoke to Barclay Lawyer, he said that he has been waiting for Barclay to send him the statement for over XXXX weeks, but they did not send him the statement yet. When I called Barclay and asked why they did not send the debt statement to their lawyer, they have no answer to tell me the reason. It has been over XXXX months since I have been calling them every alternative day and every time they make lame excuses. I don't know why they don't want to resolve the issue when I am ready to settle the case. I have had a buyer waiting for my property for XXXX months. I am afraid that the buyer will give up on purchasing the property and cancel the deal. The property is not in good shape to find out another buyer easily if I lose this buyer. After XXXX months of contacting Barclay, I feel helpless/hopeless and CFPB is the only hope who can help me by investigating Barclay. Please inquire about this case as soon as possible, so that I would sell the property. I shall be grateful to you.

I look forward to hearing from you soon.

Thank you for your time and consideration. 
Regards, Sincerely, XXXX XXXX XXXX XXXX email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within XXXX hours stating the account is accurate, without providing any evidence or a complete and thorough investigation. This practice is in violation to the Fair Credit Reporting Act ( FCRA ), 15 U.S. C 1681i, which mandates a reasonable investigation of any disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

On XX/XX/XXXX, an unknown person made four unauthorized transactions for a total value of {$2400.00} on behalf of XXXX XXXX using my online debit card. I have been a victim of electronic fraud. When it happened, I was sleeping and when I woke up and saw the transactions ( 3 hours after the incident ), I immediately contacted my bank ( Mercury.com ) and XXXX to report the issue and request that they reject the operation. 

At first, both organizations asked me for more information, which I provided immediately. 24 hours later ( XX/XX/XXXX ), I received two of the four transactions back with a value of ( {$200.00} and {$800.00} ), but both Mercury and XXXX decided not to take responsibility for the situation and told me that they could not do anything. 

Mercury, after asking me for my details, wrote to me saying that it was a situation that I had to resolve with the provider ( XXXX ) and that as far as they were concerned, the case was closed, without giving me any further explanation. 

On XX/XX/XXXX, XXXX sent me a message saying that I should have the money back within the next 7-15 business days. However, on XX/XX/XXXX, they sent me another message saying that they were sorry, but they could not guarantee that I would recover the money. 

I have been a victim of electronic fraud because the primary use of my card linked to that bank account is through contactless payment ( I do not have a physical card ). 

Currently, I live in XXXX, and there are several cases of acquaintances who have experienced the same situation. 

I need help to resolve this situation and recover the remaining {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2020asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Public Records has not provided me proof of my : Name, Address, Social Security Number, Date of Birth attach to the Liens filed under Public Record Information on my credit file from the source that they gather the information as well as the correct of information as well as proof to show my Name, Social Security Number, Date of Birth, Address that has to show it belongs to me an is correct. 

Equifax has yet to provide any Documented proof of these liens from the source documented proof. I have also spoken to an attorney and my next action is to file suit on Equifax for incorrect information wrong amounts and other various information gather or reported wrong. Equifax no they can't give me the information I have requested by law because as my attorney told me that's not on Public information in the state of California by privacy laws of public records. 

I'm tired of Equifax responding to things with no documented proof and every one no Equifax is not a reputable company for actions of breach consumers information being exposed as well as to unfair credit practice on consumers as well as created information in various forms on consumers credit report.
Product: Student loan

I am trying to refinance a student loan through MEFA, the MA Educational Finance Authority. I am a MA resident. I did the application today as well as in XX/XX/year> and keep getting denied. 

The denial letter states : " Thank you for your request for prequalified rates from MEFA. We have recently reviewed your credit eligibility based on the information youve provided us coupled with the information obtained in a report from the consumer reporting agency, and at the time, we are unable to present you with prequalified rates. The principal reason ( s ) for this determination is ( are ) : Education debt to be refinanced must be in repayment and have consecutive on-time payments in the most recent 6 months and no delinquencies on education debt in the previous 12 months. '' I contacted XXXX and recieved my full credit report. I do not, in fact, have any delinquencies or missed payments on the credit report ( attached ). I asked MEFA via email and phone for them to review my credit report to see that they are improperly denying me. They refuse to do so. MEFA said I need to dispute the incorrect information with XXXX. But there is no incorrect information to dispute. Per the credit report that XXXX provided, there are no delinquencies or missed payments. I'm going around in circles. 

You can see in the email chain that MEFA uses a third party Credible to do the soft credit pull. I also haven't had any luck speaking with a human at Credible. I need help. Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX was posted on XXXX. It seemed to be some kind of joke or prank but clearly this was my commercial XXXX XXXX. The reason why I was not notified properly was because my address had been temper with by someone in authority. Since then I have found evidence of address fraud and tempering with evidence. This federal offense right now hes being ignored by the court. Now Im convinced that Im not even in the right court. This is the hardest part of it all because no one is listening to me I have made properly report statements but I seem to not be looking in the correct place. The address that was used two force this federal offense against me, can be recognized probably if someone would just listen to me because I now have my proper address business registration also the address that was use I was evicted from years ago and I now have that court order amazingly from XXXX. This address now used in XXXX as my current address is no more than address fraud.. this matter all cars my number to be compromise my email address and ultimately my Social Security number even my XXXX have been stolen from me against my will all in this one matter. If anyone can help me to seek a remedy, I would greatly appreciate to settle in this unjust.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been cheated and scammed by hsbc bank my name is XXXX XXXX XXXX I am from, XXXX, it happened XX/XX/year> I went to XXXX to visit my XXXX  daughter meanwhile, meanwhile I wanted to get a bank account for myself but too lazy to go to the bank I decided to go online then a friend recommended the stupid of a bank to me XXXX, I had my check of XXXX from my savings with me, then I called XXXX online to get the account open, i gave the requested information, on XX/XX/XXXX I was congratulated and was given a premier checking account then I called back told them I had my check with me they said I should mail the check to their address in New York XXXX which I did, so I decided to wait as it was on hold, not until XX/XX/year>, I was happy at last, I made some transfer few minute later I was locked out of the account, surprisingly I called they ask so many information if I was the one that made the transaction I said yes, ask me so many personal question to verify me, meanwhile I had my voice verified whenever I call, to me this is enough verification, I was told the account is on review I should wait, once the review team fix it they will open my account to me, every 3 days I would call and different Indians picking the call saying something else, like I am stealing my money, I had given them everything they requested for still yet they say its on review, but nevertheless I do check my balance each time I call I listen to my balance all my transfer was cancelled and return back to the account, I thought they were working on it then I call again around XXXX I was told I have to go to the nearest branch if I want my account open, I told them I can't because the nearest branch is New York and I am in Arizona, even when I was in XXXX it XXXX XXXX away from me, I explained to the agent I spoke with then he asked for my ID/DL number and other information I gave him, then he said its on review as they would fix it since I can't visit the nearest branch, I opened my bank online without any physical intervention now depositing money to my account isn't the issue but removing money from my account is a fraud, on XX/XX/XXXX they debited all my money from my account, now I called today the lady said my account is empty and I have no balance, and she said their is nothing she could do, please help me get my money back, if they want to close my account they should and send me my money if not open back the account and let me have access to my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX