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

In accordance with The Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open-end Consumer Credit plan as late for any purpose
Product: Debt collection

I have no proof of this debt. I have used for a detailed statement from this company and have yet to received proof. The company has sent me no proof of detailed information about this debt. I would like a detailed statement from the original company that sold the debt to Jefferson Capitol Systems.
Product: Debt collection

Company is trying to collect {$1100.00} for XXXX and is unlawfully reporting account not mine caused by identity theft and is ruining my credit report even though the debt is not valid nor mine.
Product: Credit reporting or other personal consumer reports

Pursuant to 16 CFR 313.7 and 313.10 ( a ), BANK OF AMERICA is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, XXXX, XXXX, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of BANK OF AMERICA with whom I have a direct relationship. They are separate entities from BANK OF AMERICA that provides my financial information. They ARE NOT jointly employed by BANK OF AMERICA with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with XXXX, XXXX, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that BANK OF AMERICA complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time.

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically.

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship.

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7.

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request.

I emphasize that any opt-out clauses established by BANK OF AMERICA do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of BANK OF AMERICA internal policies, the rights granted by federal laws take precedence.

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Product: Student loan

I am filing this complaint against Mohela, my current loan servicer, for denying my School Misconduct Discharge application without providing a detailed explanation. This lack of transparency appears to be an attempt to block me from receiving the loan discharge I rightfully deserve due to XXXX XXXX XXXX  ' well-documented history of fraud and deceptive practices. My private loans were originally serviced by XXXX, which contributed to the predatory lending issues I faced. 

Key Issues : Failure to Provide a Detailed Reason for Denial Mohelas vague response makes it impossible to understand their decision or appeal effectively. 

Predatory Lending and MisrepresentationXXXX XXXX XXXX falsely claimed high job placement rates and transferable credits and misled me into taking out private loans. 

Significant Harm Suffered My degree is essentially worthless, I have been rejected from nearly 200 jobs due to the school 's bad reputation, and I am stuck in crippling debt with no viable career path. 

Requested Action : I urge the CFPB to : Require Mohela to provide a detailed explanation for my denial. 
Investigate Mohela and XXXX handling of School Misconduct Discharge claims to ensure compliance with fair lending practices. 

Facilitate a full discharge of my private student loans due to XXXX XXXX XXXX fraud. 
Mohelas refusal to provide transparency obstructs my ability to seek justice. I request immediate intervention to hold them accountable.
Product: Money transfer, virtual currency, or money service

In XXXX of this year I have requested personal possession of my crypto currency hald in my account with Coinbase. It is consited of XXXX XXXX and XXXX XXXX! 
Since Coinbase is still not responding to my request ( my account is locked ) I was forced to hire a private attorney to file a Criminal complaint. I need company legal department or legal representative contact information where we can send our demand letter and our lawsuit. Coinbase is refusing to provide it to me! 

I also attached copy of my ID front and back and also residency certificate in order to verify my address and my identity for Coinbase.. 

Thank you kindly.
Product: Mortgage

I received two phone calls saying I applied for a mortgage on XX/XX/2023 and I immediately check my report and it looks like someone fraudulently is applying for credit under my name.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered that I have been a victim of identity theft and identified several unauthorized credit inquiries. The following are inquiries that I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. I kindly request that these fraudulent inquiries be removed from my credit report. I also attached my identity theft report as well.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a fraudulent account. Please delete this account as it prevent me to obtain credit.
Product: Checking or savings account

I had a CD that matured at Synchrony Bank on XX/XX/year>2025 and I called at XXXX XXXX that morning to have the funds moved to my online savings account at the same bank. I checked my account on the afternoon of XX/XX/year>2025 and the total amount that I have in the bank now shows a total minus the {$27000.00} amount the CD. There is no evidence of that money having been moved nor that I even have that money. I spent time on the phone and was assured it will show up in my savings overnight tonight, but in the meantime there is no need proof or evidence that I have that money. With todays technology, I find this totally unacceptable. Closing a CD and transferring the funds to an account held by the same person at the same bank shouldnt require the money to disappear for 36-48 hours.
Product: Debt collection

I received a collection letter from Credit Collection Services dated XX/XX/ in regard to a Progressive account. I do not recognize this account. I informed the company but they refused to acknowledge my concern. On XXXX I contacted the company and spoke to XXXX. This person was extremely unprofessional, rude, and would not listen to me. I requested to speak to a supervisor and was transferred to a XXXX. I explained everything and asked to investigate and remove any negative information from my credit report,
Product: Student loan

I have consistently been paying more than the " monthly amount due '' on my PLUS loan. I understand that while my daughter is in school, I am only required to pay the interest, and expected that the overage was going to the principle. I tried to verify on Sallie Mae 's website that the overages were going to principle, but their website is very hard to navigate.

Today, I looked into it further and found that my " monthly amount due '' is less than my " unpaid interest and fees, '' therefore the overages were not going toward the principle.

I think Sallie Mae 's billing is purposefully deceptive and their website is purposefully hard to navigate.

Paying for a college education is hard enough without the lending institution misleading their customers.
Product: Student loan

American Education Service ( AES ). Filed bankruptcy in 2015, fulfilled undue hardship requirement and they continued to file loan against credit, lowering credit even further. Requested information on why and they said they determined I did not qualify even though federal judge decided I was. They continued to deny claim and would not work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute letter to remove hard inquires that were not authorized by me. Below is the list of Hard inquires on my report. 

1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX/XXXX XXXX XXXX XX/XX/XXXX 4. XXXX  XXXX na XX/XX/XXXX 5. XXXX  XXXX  XXXX  XX/XX/XXXX 6. XXXX  XXXX  XX/XX/XXXX I also have a medical bill that have been removed on other Bureaus account but one 1. account # XXXX XX/XX/XXXX FOR {$68.00}
Product: Credit reporting or other personal consumer reports

There is a charge-off on my credit reports from XXXX XXXX  with XXXX and Equifax. The debt is time-barred and is due to be removed from my credit reports. On XXXX, it showed that it would only be on record until XX/XX/year>. Now it gives no expire date.
Product: Credit card or prepaid card

I HAVE A DISCOVER XXXX CARD AND I'VE MADE PAYMENTS TO VIA PHONE PAYMENT FOR MANY YEARS WITHOUT A PROBLEM ON XXXX XXXX I SUBMITTED MY PAYMENT OF {$340.00} AS USUAL ( VIA PHONE ) WITH MY XXXX XXXX ACCOUNT THAT I HAD ON FILE WITH DISCOVER FOR YEARS, BUT THE PAYMENT WAS NOT COMPLETED.I WAS UNAWARE OF THE ERROR.I NOTICED THE 30 DAY LATE PAYMENT ON MY CREDIT REPORT IN XXXX OF XXXXI NEVER RECEIVED A PHONE CALL OR EMAIL STATING MY PAYMENT WAS NOT COMPLETED. I REACHED OUT TO DISCOVER A NUMBER OF TIMES TRYING TO REMOVE THE NEGATIVE REMARK ON MY CREDIT ON MY CREDIT REPORT WITHOUT SUCCESS.I WAS INFORMED THROUGH ONE OF MY NUMEROUS CALLS TO DISCOVER THE PHONE PAYMENT PROCESSING SYSTEM WAS UPDATED AT THAT TIME.AS RESULT THIS MAY HAVE BEEN THE REASON MY PAYMENT WAS NOT COMPLETED AS USUAL.AFTER SPEAKING WITH SEVERAL DISCOVER REPS THEY INFORMED ME THEY COULD NOT REVERSE THE NEGATIVE REMARK ON MY CREDIT REPORT.I WAS NEVER LATE OR MISSED PAYMENT.
Product: Debt collection

I have been working on my credit for the last few months and recently came across a card that I believed I opened when I was XXXX or XXXX. It was a secured card and the first 3 months I paid for it. I stopped using it because at the time my mother who did not understand credit told me to. I believed I was paid up before I stop using it. Ever since I was made aware I have tried to rectify the issue by contacting them through the mail and have not heard anything. The total amount is {$220.00}
Product: Debt collection

Some one used my information to obtain car insurance. I called the company they informed me the car that was insured was registered to an XXXX XXXX. I do not know who that person is, nor am I affiliated with that person.
Product: Credit card

I called the number on the back of my credit card to find out what the exact date is that I entered into a contract with Citibank for the credit card. One representative said he can not see that information. When I asked to speak to a supervisor he would not transfer me to a supervisor and instead routed my call back to the beginning of the automated menu. The second time I called, the representative told me that he can not give me the information because it's private. I reminded him I verified my identity as the account holder as he requested yet he still would not provide me the information. I asked to speak with a supervisor. When the supervisor came on the line, he inquired why I wanted the information. I told him it was for my records and he said he could not give out that information. He could only tell me the year I entered into the contract. I asked for a letter to be sent to my home providing the exact date I entered into the contract and he ignored my request. Instead, he wanted me to guess a month and year and he can just say " yes '' or " no '' in response. 
This is unacceptable because I have a right to know the exact date I entered into a contract with a company. I should not have to play guessing games or even reveal why I want the information after I have already verified my ID as the account holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Equifax ran a 'hard inquiry ' of my credit without my knowledge approval or authorization. The inquiry was from XXXX XXXX  ( XXXX XXXX XXXX ). I have spent hours on the phone with both Equifax and XXXX XXXX to no avail. Equifax states it is not their problem and that XXXX XXXX must request to remove the inquiry. I have filed a complaint with XXXX XXXX but I am doubtful it will be handled in the correct manner. Equifax says my address is incorrect instead of XXXX XXXX, Utah ( XXXX ), where I have lived for over two years, they show XXXX XXXX XXXX, Utah with a different zip code.
Product: Credit card or prepaid card

I have the same complain with XXXX XXXX Bank XXXX who allowed a thief to open an account in my name without verifying their credentials. They in turn sold the debt to LVNV Funding LLC who I contacted and explain that this debt wasnt mine and that I was a victim of identity theft. However, they have refused to remove it from my credit report nor have they even attempted to investigate my claims of fraud and just ignored me. They also are using out-sourcing call center to shield the parent company from complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022 I opened investigations with Experian for reporting a bankruptcy on my public record credit file. Experian has repeatedly refused to delete this file. They have claimed on multiple occasions to certify this account as being accurate. They claim the certification comes from The XXXX Bankruptcy Courts of XXXX as being the company that certified its accuracy. I know for a fact this claim to be false. I have reach out to the bankruptcy courts. They have given me a letter that contradicts what Experian claims to have happened with contacting them for certified validation. The letter states, they do not report, verify or validate information to the credit bureaus. Experian continues to lie about the validation of this public record. Without giving any valid proof of doing a full and reasonable investigation into this matter. I will attach copies of every I have with this complaint.
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Option for issue was not available. This was the closes option. XXXX XX/XX/2021 I was injured at work causing me to go to the ER and doctors multiple times. XX/XX/2021 I was provided letters from my doctors putting me on XXXX leave causing my income to drop and my medical bills to sky rocket due to needing XXXX XXXX. I contacted Santander Bank to ask if they could defer my payments or work with me on payments due to medical and financial issues. I was denied and told they could not help me other than to push my payment back a few days. During this time I was left XXXX and on XXXX. XXXX refused to work with me on payments or allow me to speak with anyone else. They stopped answering my calls after awhile. My vehicle was repossessed a few months later. I received a notice shortly after in the mail stating I owe a remaining balance of {$6700.00}. I have not heard anything from the company since the collection was posted on my credit report. I can provide medical bills and doctors/ ER visits if needed as evidence.
Product: Checking or savings account

Wells Fargo has charged me overdraft fees multiple times ; I have already contacted them to turn off the overdraft protection feature from my account. I was told this was taken off my account, but they were dishonest with their efforts to do so. My account is currently overdrawn due to their negligence.
Product: Checking or savings account

USAA sent me a fraud alert on Saturday, XX/XX/XXXX to notify me that someone may have made an unauthorized transaction on my debit card ending in XXXX. Indeed, someone completed an unauthorized transaction on my card at XX/XX/XXXX. The amount was {$160.00}. 

I called USAA on Saturday, XX/XX/XXXX to ask for a new debit card and to report the transaction as fraudulent. On XX/XX/XXXX, the bank emailed me to let me know they had determined the transaction was not fraudulent. This seemed strange to me the bank had just emailed me a day before to let me know of this unusual ( and fraudulent ) transaction, and now they were determining it was authorized? 

To make this transaction even more unusual, an unauthorized transaction was also completed on my credit card on the same day at the same XX/XX/XXXX. ( The dispute for that credit card transaction at the same XX/XX/XXXX has not been resolved yet. )
Product: Credit reporting or other personal consumer reports

Despite my previous disputes Equifax has failed to conduct a proper investiongation. I am aware that Consumer Financial Protection Bureau ( CFPB ) is suing Equifax for failing to conduct proper investigations, which directly relates to my situation. 15 U.S.C. 1681 are requires to conduct a reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) mandates that Equifax ensures accuracy of my information on my credit report. The failure to properly investigate my dispute and correct these inaccuracies is a clear violation of federal law.
Product: Credit card

Portfolio Recovery Associates made an agreement with me regarding XXXX credit cards I used to have they harassed me for months and I eventually agreed to pay. They have never proven the debt I have asked over and over again all they do is send me statements on how much is still owed on the agreement every once in awhile. Today they sent me letters of the balance and it was more then what was owed. I called and a representative said to me after 9 months of paying on time that the agreement was never valid cause I had not paid by XX/XX/XXXX as in the agreement. I immediately got off the phone and looked for the agreement for both cards it started XXXX/XXXX/2015 I called back and informed another agent. She was looking up the account and said I am going to help you pay this off you need to just pay a little more a month. I told her I am paying the agreed amount three more months as required then I am done. I also told her that have not reported to the creditors that I have been paying the last 9 months. This company is always trying to go against the agreement we have and send me letters that I owe more. 

XXXX accounts : XXXX XXXX Account they said balance was {$450.00} and card only had {$300.00} limit my monthly payment {$37.00} XXXX. Paid up to XX/XX/XXXX. 
XXXX XXXX XXXX they said balance was {$2000.00} my monthly payment is {$150.00} XXXX. I just paid XX/XX/XXXX payment however they have not received it yet. 

They continue to harass me and try to lie and attempt to get more money out of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX for XXXX XXXX is a fraudulent account on my credit reports that gas been disputed and a identity theft report filed. Along with a police report submitted to credit reporting bureaus. Please assist in removing this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX to remove the hard inquiry listed on my credit report. The letter stated I should be compensated for the hard inquiry because they where not able to verify it was me. I called the call center and spoke with a gentleman. He STATED THAT there where several people in their system listed in my name. I asked that they should remove my name and the hard inquiry. He transferred me to the fraud department who stated they would investigate. I keep getting calls from XXXX XXXX. They are asking me to call them from my XXXX cellphone that I do not have. Will someone please assist me with this because I have already requested that they remove the hard inquiry if someone took out a cellphone and has service than XXXX XXXX should call the police department and threaten to deport them to wakanda and not me. I should not be XXXX to XXXX because someone has a cellphone with my social and my name. Please Assist Me. Does XXXX XXXX not screen any incoming phone calls or do they just allow anyone to verbally register a phone is someone elses name. This is a white collar crime. This is identity theft. Please allow me to review all records XXXX XXXX has in my name. I have never requested service with XXXX XXXX. Not know or ever in the past or present or in the future because of this crime.