23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/2023 I logged onto my robinhood app and received the latest transfer from my bank of XXXX dollars. I had just set up direct deposit a week prior. When I logged on I noticed that there was a message at the top of the screen saying my account was restricted and that I needed to provide some information to get it unrestricted. I figured ok I'll just give the information and everything will be ok. I submitted a selfie and the required PDF of my bank statements for last month. They said they would get back in touch with me. Since then Ive received generic responses and none can tell me why my account has been frozen. I have XXXX dollars in their mostly crypto holdings. I want access to my account as I know I am who I say I am and they do to. I've provided all the necessary documentation and I don't see the need to take a considerable amount of time investigating this. I haven't done anything illegal. The only thing I did was transfer a small amount of XXXX XXXX  to a an option trader account one time. I don't think they was illegal or shouldn't have been seen as fraudulent it was confirmed on the block chain and seems legit. The company I sent the XXXX XXXX  too hasnt ever froze my account as a matter of fact from time to time they deposit money in my account as a gift. Anyways I don't feel like it's just or fair for a company to lure you in and have you use them for the purpose intended and then be able to just all of a sudden freeze your account and not tell you why. Then to be able to just hold your hard earned money indefinitely until they decide otherwise is borderline scam and otherwise fraudulent so in retrospect i should be asking for the selfies and or bank statements from them as I feel thier maybe fraudulent activity in thier accounts. Knowing that this has happened to a lot more people than I feel comfortable with I am terrified that they will decide to close my account and keep my crypto as I know what I invested in is about to take off and be worth a very significant amount. I want my account reopened and I feel like I'm being treated like a criminal and a fraud and they are the ones that are being criminal and being frauds
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing that Equifax hasnt responded back within their 30 day window. I mailed my certified letter off on XX/XX/XXXX. By law their obligated to respond within 30 days.
Product: Credit reporting or other personal consumer reports

According to my credit report on XX/XX/XXXX, I discovered that there are unauthorized and fraudulent activities being reported to my credit file. This is due to multiple data breaches that I have been involved in regarding my Name, Address, D.O.B, Soc Sec #, Phone number, and email addresses since XXXX. 
The following are the data breaches that have leaked my data : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are a few more, and I will update the new information after verification. I disputed this a few times and was ignored by the XXXX major credit bureaus. I'm seeking help to rectify this situation. 
Here are the un-authorized accounts that I had no knowledge of : XXXX XX/XX/XXXX ACCT # XXXX XXXX - XX/XX/XXXX ACCT # XXXX XXXX - XX/XX/XXXX ACCT # XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Any questions, please contact me at XXXX or the address I provided on this report. 

Sincerely, XXXX XXXX XXXX SS # XXXX I am willing to prosecute.
Product: Vehicle loan or lease

This account was from XXXX. It was written off in XXXX. Thats been 9 years ago. It saying it was done recent which is not true.
Product: Debt collection

Comenity bank is attempting to collect an apparent debt owed on a XXXX credit card for an item purchased in XX/XX/XXXX of XXXX. The item was purchased on a 12 month deferred interest payment plan. The item was payed off in full in XX/XX/XXXX of XXXX, in advance of the deadline. 

Here is a list of payments and dates : Initial total : {$3200.00} Purchase date : XXXX XX/XX/XXXX XX/XX/XXXX : {$610.00} XXXX XX/XX/XXXX : {$850.00} XXXX XX/XX/XXXX : {$800.00} XXXX XX/XX/XXXX : {$400.00} XXXX XX/XX/XXXX : {$580.00} I received my first debt notification by phone on XXXX XXXX, XXXX. Prior to this date, I received no written notices by mail, phone, or email.The alleged amount of debt is {$1000.00}, consisting of a late fee and interest accrued over the 5 month period between my final payment and their first contact by phone. 

I sent a debt verification letter by certified mail on XXXX XX/XX/XXXX. 
Comenity sent a response that they would perform an internal investigation on XXXX XX/XX/XXXX. My requests within the debt verification letter were not addressed. 
Comenity sent a second response on XXXX XX/XX/XXXX concluding that the debt was valid. There was no debt verification information attached. None of my requests from my initial letter were addressed. 

Comenity has failed to provide me a itemized breakdown of the charges, as well as a copy of my initial signed contract regarding the sale of this item despite my written request. 
I am requesting that Comenity fully respond to each of the requests within my debt verification request letter within a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Equifax regarding two reported collection accounts, XXXX # XXXX and XXXX # XXXX. I disputed these accounts and requested ( see attachment ' [ 5 ] ' ) verification, but despite my request, XXXX continued to send letters claiming that I owe an illegal debt, which they were unable to verify. 

As a result of the dispute, XXXX and XXXX both deleted ( see attachments ' [ 2 ] ' and ' [ 3 ] ' ) the collection accounts off my credit report, but Equifax has not complied and has continued to report the accounts as accurate against my dispute. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681n, which states that any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable for damages.
Product: Bank account or service

My fiance and I go to td bank on XXXX in XXXX NJ every week. It seems like every week we have an issue and it never gets any better. The store management along with the store employees need to have a serious talk about the way they treat us customers. Today we go I there XXXX and we have to wait as usual. The wait is constantly never ending it feels. After waiting for already 20 minutes another couple comes in and waits as well. The guy XXXX comes right over and asked if any one needs a notary. My fiance tells him yes we need an endorsement release. XXXX says " one of the ladies can do that for you. '' And then asked if the other people who JUST walked in would join him at the table. I felt totally neglected once again by td bank.
Product: Student loan

My grievance is that Pennsylvania Higher Education Assistance Agency will not count my current or past payments as qualifying payments towards the PSLF. Before I upload documents to their service department I am funneled into choosing a category/reason for uploading so that an automatic robotic response is given based on the category chosen. I used this means to upload proof of payment history and supporting documents and receive an automatic response based on the category rather than a personal response from someone who read through my documents. On XX/XX/XXXX my student loans were transferred from XXXX to Pennsylvania Higher Education Assistance Agency XX/XX/XXXX : I called the Dept. of Education number from studentloans.gov and spoke to representative. Here are to key points to that conversation : 1. I was told to get onto an income based payment plan in order to make qualifying payments for the PSLF 2. I was told that as long as I was on one of these payment plans my payments could be backdated as qualifying payments once my employer was certified as a qualifying non-profit agency.
3. I was placed on the REPAYE payment plan during our conversation. I remained with XXXX as my loan servicer at this time until my employer was verified as qualifying. I made monthly payments and was able to submit my employer as qualifying. Upon verification of my employer, my loan was transferred to Pennsylvania Higher Education Assistance Agency and have spoken with them and emailed proof and payment history showing them that A. I have been on a qualified payment plan since XX/XX/XXXX and B. I have been making monthly payments faithfully under that plan that should have " qualified ''. C. They are aware that i qualify because they recalculated my payments two months ago and my past two payments STILL do n't qualify according to their robots.
Product: Debt collection

I have a derogatory mark on my credit report from a debt collector I have no knowledge of the balance would like it removed
Product: Credit reporting or other personal consumer reports

On XXXX i filed a complaint with CFPB company responded XX/XX/2023 ( XXXXXXXX XXXX XXXXXXXX ) Agreed to remove accounts from credit reports. Never Removed as agreement. Major Under FCRA Violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, caused defamation of my character and emotional and physical stress : XXXX XXXX XXXX - XXXX, XXXX XXXX  XXXX  XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX - XXXX, Unknown - XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


XXXX XXXX  XXXX XXXX XXXX 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 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I noticed that my cash app $ XXXX was closed it took cash app weeks to provide a reason why. I didn't do anything wrong I was having XXXX and family and friends was helping me and they closed the cash app. They only responded to me because I reported it to the cfpb after waiting weeks for them to respond. I created a new cash app $ XXXX on XX/XX/XXXX I noticed that cash app was closed and they are giving the same bogus reason. I don't do anything wrong my birthday was XX/XX/XXXX so I received cash apps and I guess they don't like the fact a XXXX XXXX  can have money coming in so they closed it. At this point I feel like I'm being discriminated against they closed my 2nd cash app within months of each other for no reason. Today is XXXX and I have asked Cash App for an answer I've called the customer service and those foreigners are rude and hung up in my face I felt so disrespected. I'm a law abiding citizen I don't do anything wrong and they close my cash app. I use cash app to send my family and friends funds and also they send me things. Doing this for a second time and not wanting to tell me why is absolutely wrong. I want to sue them for discrimination at this point. I don't know if it's Square or cash app.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies affecting my creditworthiness. I am requesting the credit bureaus to investigate and rectify these errors promptly. The account details requiring verification are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 i file a consumer complaint with XXXX experian XXXX about my acoount i ask them to validate the account for the XXXX XXXX XXXX XXXX for {$7400.00} and also XXXX  XXXX XXXX {$1000.00} and XXXX XXXX XXXX for {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes where submitted XXXX, XXXX for item to be removed and they where not removed and no correspond
Product: Student loan

Navient illegally cheated by forging fake ‘missed payments’, to avoid putting my account in deferment. Since XX/XX/XXXX, school enrollment certificates after School enrollment certificates were sent repeatedly to Navient, to request deferment. In the last minute, Navient forged over 15 “missed payments” for the purpose of evading its deferment responsibility and to increase accruing-interest from 4% to nearly 10%. Over the past few weeks, Navient increased my loan from $40000 to nearly $80000 with 15 fake “missed payments” and 10% interest rate. Nearly $5000 were paid to Navient. The payments have no effect on lowering the loan. After I complained last week, now Navient said 1 missed payment.So Navient can say that it is not eligible for deferment. It was zero missed payment two weeks ago (XX/XX/XXXX).  Anyway, this loan was supposed to be in deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Company : AAAXXXX/Advantage ( COMENITY CAPITAL BANK - Bread Financial ) Due to an unfortnantly medical diagnosis within my family, I fell behind XXXX  months on this account. I agreed to close my account with their collections department and they would put me on a XXXX month repayment plan at XXXX  % interest. I agreed to make a large payment to cover several months of back payments to help bring my account to a " current '' status and after this payment was made, I agreed to pay {$420.00} a month at XXXX % interest for XXXX months which included having to schedule automatic monthly payments directly debited from my bank account This was back in XXXX of XXXX. Nothing has changed on this account as I continue to get charged interest and fees on this account monthly and it continues to report late on my credit report. 

I have tried reaching out to compay via telephone and email and have not had any success. I received canned email responses that ignore the details I have provided. A telephone number to their collections department that is not in service ( XXXX ). When I call the general customer service line and can finally get thru to collections, I have been disconnected on more then one occasion as the representatives do not appear to be capable of understanding the problem. I have asked for details in writing of the XXXX % program which they were suppose to send to me when I agreed, however, the only thing I received from them was the confirmation of automatic scheduling of monthly payments for {$420.00}. 

This agreement was made XXXX XXXX, XXXX. 

Payments Made since agreement : XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$420.00} Interest Charged since closing account and agreement to XXXX % : XX/XX/XXXX - {$320.00} XX/XX/XXXX - {$99.00} XX/XX/XXXX - {$370.00} XX/XX/XXXX - {$63.00} XX/XX/XXXX - {$340.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$350.00} XX/XX/XXXX - {$64.00} Late Fees Chared since agreement was made : XX/XX/XXXX - {$39.00} XX/XX/XXXX - {$39.00} XX/XX/XXXX - {$39.00}
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and I am a victim of identity theft. 

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
Product: Credit reporting or other personal consumer reports

I noticed fraudulent accounts on my credit report upon recent review. Please delete these accounts as they are harming my credit opportunities. 
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
Product: Mortgage

Servicer Select Portfolio Servicing ( SPS ) Loan Number XXXX @ Property Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Alleged servicer is engaged in Consumer Fraud for asking to pay without any Mortgage Statement and Balance in Violation of RESPA. I am being forced to sue Servicer Select Portfolio Servicing for Consumer Fraud and RESPA violation. Servicer Select Portfolio Servicing ( SPS ) is not a true servicer rather it is shady, illegal and foreclosing operation and its whole purpose is to Manufacturer Foreclosure by Fraudulent Means, as evidence gathered from many people who had loan serviced by. Furthermore, for XX/XX/2020, I have paid to the previous Servicer - XXXX on XX/XX/2020.
Product: Payday loan, title loan, personal loan, or advance loan

In 2022 I took out a title loan at TitleMax, something I had done already before, but when I received the loan the man at the desk bragged in front of me and another customer that by the end of the week he would be driving around in our cars, besides that the man giving me the loan never disclosed any specifics of the loan he just told me to sign with an electronic pen without looking at the papers, ever since then I paid my balance each month {$300.00} never realizing that I was just paying interest and to refinance, not the principal, its been a year now and the only reason I fell behind on refinancing was because I lost my car and my job, they still have the title loan but will not repossess the vehicle, I do not have it due to a separate incident involving a mechanic but I gave TitleMax the address for him and now TitleMax keeps calling asking me for more money even though I already tried working it out with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple phone calls and written attempts to contest hard inquiries, the following inquires remain and/or ( keep reappearing ) on my credit report and it has been more than 60 days. The following inquires have been made fraudulently and against my authorization. Please delete them immediately. Ive attached my DL and a utility bill as proof of my identity. The inquiries in question are as follows : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks Auto Financing 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 Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Sales Financing XXXX XXXX XXXX : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX  XXXX, XXXX. 
Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Sales Financing XXXX XXXX XXXX : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX