23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

In XXXX 2016 after checking my credit report, I realized that there was an error on my credit report. Select Portfolio Servicing, Inc. had attached a debt to my credit report which did not belong to me. The debt actually belonged to my father who has the same first and last name as me. I contacted SPS in XXXX to correct the issue and made them aware that they had illegally obtained my Social Security number and attached it to my fathers debt. My father also contacted them to make them aware of the error. SPS mailed my father the appropriate forms to verify his identity and he completed the forms and returned them. He also attached copies of his drivers license and Social Security card to confirm his identity. SPS will not acknowledge these complaints or receipt of the forms mailed in by my father. Additionally, SPS will not admit fault for illegally obtaining my Social Security number and attaching it to this debt. For the past several weeks I have contacted SPS nearly every day by phone and have also contacted them in writing to resolve this issue. I have recently been denied a home loan because of this error on my credit report. SPS has made no effort whatsoever to resolve this issue and now I will soon be homeless because I sold my home and was unable to obtain financing to purchase a new XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained to the consumer protection bureau about Equifax not allowing me to get into my account after asking 20 questions two different times. I wanted to put a PERSONAL STATEMENT on my credit report that said MY PREVIOUS BANKRUPTCY WAS DUE TO IDENTITY THEFT. This could have been prevented if EQUIFAX would have accurately investigated the problem. Now instead of putting the personal statement which I was SPECIFICALLY THE REASON I called about AND complained about, they wrote me a letter and purposely put a fraud alert on my file instead, making it harder to access my credit report. What is wrong with these people? How can I spell it out to them? They do not want me to have anything accurate on my file. I am so sick of this and I will now have to hire a lawyer again!
Product: Money transfer, virtual currency, or money service

I sold a car to a Buyer who paid me {$5000.00} via Paypal on XX/XX/XXXX. I was advised after my Paypal account received the payment that there would be a hold of up to 8 days - presumably for the payment to clear. The Buyer confirmed for me that the money left his account. After 8 days, I check and the money was still listed as " on hold ''. The stated reason is that this is a bigger than usual transaction for me which somehow translates to a requirement to hold the money - apparently until XX/XX/XXXX - just under a month since Paypal received the payment. This is also the date Paypal says they will provide an explanation. Paypal is fraudulently using my money.
Product: Student loan

In XXXX, 2023, I submitted information to Nelnet to get on an income driven repayment plan. I have been on an income driven repayment plan for over nine years, and I was trying to reapply for my plan this year. As of XX/XX/XXXX, I still have not received any information from them about what my new payment will be. They are trying to charge me over {$500.00} a month which I am not able to afford. I have submitted all my information to them in order for them to process my income driven repayment program application. Every time I call them, they tell me they are working on it, and will only extend my forbearance by one month. I have a strong feeling. This is negatively impacting, my credit worthiness, and they need to perform the service they are supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of XXXX years.

The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately.
Product: Student loan

Complaint - XXXX XXXX XXXX Dear Consumer Financial Protection Bureau XXXX I am submitting this formal complaint regarding private student loans taken out for my education at XXXX XXXX XXXX XXXX where I faced several significant issues that warrant attention and resolution : I attended from XXXX. The total amount in loans was XXXX Misrepresentation and Deceptive Practices : XXXX XXXX XXXX provided false and misleading information about several critical aspects of their programs. This includes inflated job placement rates, misrepresented accreditation status, and promises of a quality education that would lead to gainful employment. These deceptive practices led me to enroll under false pretenses and take out substantial private student loans. 
Loan Origination Concerns : The loans I secured were based on the institution 's misrepresentations. Had I been aware of the true nature of the college 's offerings and its future closure, I would not have incurred these debts. This raises concerns about the fairness and validity of the loan agreements, given the fraudulent nature of the information I was provided. 
XXXX XXXX and XXXX of XXXX : XXXX XXXX XXXX has since closed, leaving me and countless other students without the promised degree or any meaningful career prospects. The closure compounded the harm caused by their deceptive practices, leaving me with significant financial burdens from student loans with no viable path to repayment through the promised employment opportunities. 
XXXX and XXXX XXXX : The misrepresentation and subsequent closure have left me with unmanageable debt and severe financial distress. The lack of support and options for loan forgiveness or discharge from the lenders has further exacerbated this situation, placing undue stress on my financial and personal well-being. 
I am seeking a discharge of my private student loans due to the fraudulent practices of XXXX XXXX XXXX and their eventual closure, which have left me in a dire financial situation. I respectfully request the CFPB 's assistance in investigating this matter and facilitating the discharge of these unjust debts. 

Thank you for your attention and consideration. I look forward to your support in resolving this issue.
Product: Debt collection

My name and credentials was used in some type of program that I was not aware of. The program was later found out to be fraudulent. The company was sued and some how or the other a default judgment was placed on my name. It was also registered on my property.
Product: Credit reporting or other personal consumer reports

THIRD PARTY- XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR- NAVY FEDERAL CREDIT UNION is breaking the consumer law pertaining to : NAVY FEDERAL CREDIT UNION XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX : XXXX CARD HOLDER!
Product: Bank account or service

On XXXX XXXX, 2015 I requested from BOA the closure of my account to stop future overdrafts since I have been having difficluties which have resulted in OD. I asked the bank to close the account to stop paying overdrafts and requested a waiver from OD fees. 
The bank has refused to close the acccount and instead, even after been notified to stop OD, it continues to add OD fees and did not repond to the request other than the bolier plate messages. See copy of messages attached. 
The bank acts in an unfair and deceptive matter since it encourages customers to do as much as possible for account management online, but when this is not convenience for the bank the rules are changed for the bank 's benefit. The account disclosure does not indicate that online request to stop paying OD will not be honored and that the bank will continue to charge fees to the account. In order to settle the matter I will agree to pay immediately the principal amount due prior to the OD plus the additional charges of a low balance fee of {$12.00} this charged was clearly disclosed at the time the account was opened. I would appreciate a waiver of all OD fees since the notification to the bank to close the account. Copies of emails below :
Product: Credit reporting 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name:XXXX Account name : #, XXXX, Account name : #, XXXX, Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 and should be removed from my credit report Below is a list of hard inquiry that I don't know of XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX All Banks XX/XX/XXXX Experian XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Commercial Banks XX/XX/XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX Public Information Top
Product: Checking or savings account

I received my tax refund, which was paid into my credit karma spend account. Within 24 hours, my credit karma spend account was frozen, and there was no one to contact. I was able to contact them via chat, and they informed me that they had escalated my matter to another department and that I should expect an email. I have not been contacted, and my money remains in the account with no assistance. This has put me in a financial bind, and I am really dissatisfied with the situation. I want credit karma to release my funds so that I can take care of my banking needs elsewhere. Thank you very much.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report. 
2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Name : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX EMPLOYER : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

The debt has been paid in full with the doctors office and Eastern XXXX will not remove it from the credit reports as paid in full. I have contacted them and the doctors office has contacted them several times. It is ruining my familys life with this debt staying in my credit report purposely to hurt me. They keep saying its verified but it is not verified and not owed. It has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states A reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Bank of America sent me a letter stating that if I do not provide my occupation and source of income they are going to close my account. My understanding is that that information is voluntary and not mandatory. I spoke to a B of A rep who told me my account would in fact be closed if I did not comply and I have the letter to back that up. I pay my bills on time and only owe a small amount of money at the time. Is this true?
Product: Debt collection

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX account number XXXX ; 2. ) XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, me and my husband drove up to a bank of America atm to deposit a check in the amount of {$760.00}. Upon inserting the check into the atm, the system suddenly rebooted, resulting in the atm eating the check. Customer service was called immediately following the incedent from the location of the atm, and a claim was made. We were then instructed by the customer service agent that it was okay to drive away from the atm. After the claim was investigated, we were sent a letter claiming that the location of the original transaction was located, but that the check itself was not found. 

I am aware that these atms are equipped with video recording for security purposes, so video of me and my husband inserting said check must have been viewed to verify the location of the incident. As to why the check in question was unable to be located is something i can not understand, given that the check itself would have my name and adresss since it is employer issued. 

As a result, the credit issued by the bank is now being removed on XX/XX/XXXX. I feel that there is indeed substantial evidence of the situation, and that the institution took a careless approach in resolving the issue, especially considering that there was video surveillance installed at the atm, during the day and time of the incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

The letter is a formal complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) against Kimball , Tirey & St John LLP for violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Californias Rosenthal Fair Debt Collection Practices Act ( RFDCPA ). The complaint details how the company unlawfully reported an unvalidated debt to credit bureaus and failed to comply with multiple written requests for debt validation, violating consumer protection laws. Despite multiple certified letters requesting validation, the company did not provide the required documentation but continued reporting the debt to credit agencies. The complainant also disputed the debt with XXXX, XXXX, and XXXX, and XXXX confirmed that the company falsely verified the debts accuracy. The letter demands that the CFPB investigate the firm, impose penalties, order the removal of the unverified debt, and require a compliance plan to prevent future violations. The complainant has attached supporting documents and emphasizes their intent to escalate the matter legally if necessary.
Product: Checking or savings account

I would like to complain about BMO on the incorrect information that was previously filed with CFPB case # XXXX dated ( XX/XX/year> ) that the refund was issued to me by New Balance was returned to the merchant i will attached proof below, after further investigation from billing department of New balance, they stated that they can assure that refund was NOT returned to them as stated by BMO & this is not the first time BMO has kept a refund infact few cases /complain that i have filed with CFPB & almost all cases was resolved after BMO investigation /back office team ended up releasing all refund cause of there system error /issue i have all proof & case # from CFPB with records if needed .

second while its true that i have filed a fraud dispute due to BMO failed to protect my account from an authorized fraudelent transaction overseas & allowing few transaction to go through w/out any notification sent to me through text or email, also BMO only changed my debit card NOT my account number so i am not sure why the refund will not go through since BMO should still be able to process this transaction since My account # is still dissame & still under My Name so there should be No issue on the refund, i also would like to request if possible with BMO that will handle this case To call merchant ( new balance & me to have a XXXX way call just to have a clear answer on this issue & to not being Bounce around for the refund that i am entitled to recieved, i believe that this is my right as a consumer & my bank should be the one to protect my money instead of giving me issue 's like this.

I respectfully would like to ask CFPB to pls investigate this further with the bank since this is the 4th time that this happend me.
Product: Credit card or prepaid card

XX/XX/2021 Prepaid online to rent car from XXXX {$210.00} XX/XX/2021 Car rental agency charged my credit card on XX/XX/2021 {$260.00} XX/XX/2021 Contacted car rental agency and was told they would look into. 

XX/XX/2021 Filed dispute with my credit card owned by Barclays, Claim # XXXX. 

XX/XX/2021 Contacted by my credit card, instructed me to provide all receipts, credit card statements, bank statements, notices, printouts, etc and fax to XXXX of which I did. ( later learned I was given incorrect fax number ) XX/XX/2021 I contacted my credit card for status, was told my claim was closed because they did not receive required documentation as instructed on XX/XX/2021, was informed I had incorrect fax number and was given XXXX. 

XX/XX/2021 I refaxed all required documentation and mailed out hard copies as well. 

XX/XX/2021 I called credit card company to confirm all required documentation was received. 

XX/XX/2021 I received a letter from my credit card company dated XX/XX/2021. 
" After further review, we're not able to assist you with obtaining a credit to your account due to the following : " '' Insufficient proof that the merchant has violated the invoice/contract 's terms and conditions. '' '' I prepaid for a car rental and was then charged a second time for the car rental and my credit card 's notice dated XX/XX/2021 does not address this issues. 

I no longer have any faith in my XXXX Visa/Barclays credit card and need your assistance please.