23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XXXX XXXXXXXX XXXX XXXX reported a dispute I submitted had been verified through the companys referenced XXXX. However their findings are incomplete, my dispute was demanding a 10-99c from referenced companies I need XXXX to share those findings with me via email or however works best for them.
Product: Checking or savings account

I was trying to send money from my XXXX USD wallet to my bank account but TD bank did n't allow me to access my account and when I called the first time the customer service representative did n't really know what was the issue and recommend opening an account with another bank. The second time I called another representative told me that they did n't know what was going on and that I should consult with XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I took an XXXX XXXX credit card payment from a customer for me to serve a lawsuit to several defendants in the XXXX XXXX XXXX XXXX XXXX I provided the services, informed the client and filed a copy of the Proof of Service with the Court ( attached ) as required by law. 

On XX/XX/year> I received an email from Square that the customer, XXXX XXXX, disputed the charge saying that he never received said services. I responded to the dispute and provided all supporting documentation ( filed proofs of service, docket from the Court and text to the customer ). I receive a follow up email stating that XXXXquare would still debit the funds from my account despite me showing proof that I did the work. 

XX/XX/year> I spoke with representatives from Square who were very not helpful and still saying that they are taking the money from my account. I informed them that would put me in a devastating situation but they did not care and proceed to take the funds from my account.

I do plan of seeking legal action ( both criminally and civilly ) against XXXX XXXX as well as Square and XXXX XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

FedLoan was servicing the Loan and did not respond to my claims that the loan should be discharged. 
The school misled me in getting the loan and there was a school admissions scandal that I ended in the prosecution of admin members. Fed loan informed me the loan must be moved out of delinquent status to submit dispute. 
I then submitted the borrows defense form- FedLoan then transfers the loan to department of education and left the negative reports on my credit. - they kept referring me back to my school or department of education. 

- I requested all statements of payments from XXXXXXXX XXXX to prove the account should be removed from my credit report. I was told twice i would receive the documents and never did. 
- Fedloan transfered the loan and there for should not report it on my credit report as the same debt was being reported by two separate collectors. Fedloan and Department of education.
Product: Money transfer, virtual currency, or money service

A while back I was using Coinbase as a portfolio to build my cryptos, But upon about 6 months of using it i was randomly shut down and locked out of my account, I asked for reason and calls. 
The best I got out of them was a rude cold shoulder and not carrying i have over XXXX locked in XXXX and XXXX. 
I won't to send it to a trusted wallet and never deal with them again yet I can't seem to get them to verify anything although I sent them all the documents they needed.
Product: Credit reporting or other personal consumer reports

Please consider this as refiling of my complaint to the DEPT OF ED/AIDVANTAGE for allowing the fraudulent accounts and for not taking corrections until this time on my credit report and I have attached the report with identity theft number XXXX. They allowed the fraudulent accounts to be reported in my credit file and I sent out the dispute letter to the bureau and to the company but they never take action. As I checked my credit report fraudulent accounts are still reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
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. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX : XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, 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. 

The credit bureau used my information the wrong way, i contacted the companies with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was able to delete this debt. What are you showing that proves and keeps you from deleting this debt? If you can not show me then you must follow suit and delete this debt as well. Also in accordance with The Fair Credit Reporting Act XXXX XXXX  Account # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I didn't give written permission. They didn't do a fair investigation. Everything was not 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry placed on credit file from XXXX XXXX XXXX XXXX, fraudulent credit inquiry in an attempt to get a credit card on XX/XX/
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 XXXX XXXX XXXX. XXXX  Account name XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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: Student loan

I received a letter dated XX/XX/XXXX that my loans were discharged through borrower defense. However, theses loans were consolidated with XXXX back in XXXX. In the letter it states that my current servicer of consolidation will reduce my balance. I have submitted a separate complaint to XXXX about this as well. They state they have not received the amount discharged outlined in this letter.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Money transfer, virtual currency, or money service

I had paid a seller on XXXX XXXX with CashApp about their product but when I paid them, they kept saying send more than what they had it originally priced and then theyll deliver. I said no either give my money back or deliver the product. They kept insisting for me to send more money so they can finally deliver and I reported them as scammers on Cash App but customer service said from what they saw in my transaction with the seller, there wasnt enough proof of them scamming
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 collection on my Equifax report that do not belong to me. They range from $ XXXX {$510.00}. I have at least 3 disputes and they keep saying it is mine. I called XXXX XXXX XXXX ( collection agency ) and they verified it is not mine. Equifax individuals stated they can't not correct it. The last time I called I was left on hold for at least 10 minutes then they disconnected the call. This has dropped my score 56 points and I still got no help. This has been going on for almost a month. I don't know what else to do to get it corrected.
Product: Bank account or service

On XXXX XXXX, I submitted my deposit from XXXX, a non-profit where my position is publically grant funded, for around {$2200.00} ( I ca n't access my paystub from my computer ) to Bank of America. That day, I was able to spend around {$80.00} but did not try to use until XXXX XXXX ( to buy XXXX presents and groceries ). When I tried to pay for groceries, my card was denied. When I looked on my phone for my funds, making sure I did n't overdraft, it had my account locked and I called Bank of America. They said I would be able to access my funds from a week from my deposit. The next Tuesday, I went to Bank of America in person to close my account and receive my funds, but my account was closed and I was n't notified. When I asked why my account was closed and where my funds were ( roughly {$2100.00} ), they called the Risk Dept. which told me they flagged my account because my check had been thought to being tampered with ( my check is again from a XXXX ). They said on XXXX XXXX, they would either send me a cashier 's check for what is in my account or discuss the fraud. Today, XXXX XXXX, I called and asked where the check has been ( since it has been two weeks and it should n't take that long to put a check in the mail ). I talked to three different people, totaling around an hour, and ended up being sent to the " escalation dept '' - however, I 'm a social worker and made it to stay calm during the whole process. I was told from one person that in order to gain my funds, I needed to send a letter from my organization telling Bank of America the check was legitimate ; I was then directed to another department and told they were going to email the people who hold funds, could n't talk to them, and in 1-2 days I needed to call them and see what actions I needed to take in order to gain the funds " I believe are not fraudulent '' ( again, I work for a non-profit organization and have no past of criminal or fraud records ). I asked during this time, why was n't I notified, why I was told they would send a check XXXX ago but not notified of any actions, why I have to initiate all of these actions to funds they are holding even if they are legitimate funds.
Product: Credit reporting

Transunion is still showing incorrect name related to me. I am XXXX XXXX XXXX and they show either XXXX XXXX XXXX and they also show XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, EXPERIAN ARE REPORTING A XXXX  XXXX BANKRUTCY ON MY CREDIT REPORT. THE ACCOUNT IS NOT MINE AND NEEDS TO BE REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

An affidavit titled " NOTICE AND DEMAND TO PRODUCE PRIMA FACIE EVIDENCE AND PROOF OF VERIFICATION was sent to Equifax on XX/XX/2020 via USPS Certified Mail # XXXX demanding Equifax to certify the accuracy and veracity of reported information under the pains and penalties of perjury. The items in question are being demanded to be verified under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Equifax was asked to provide completeness of records and valid proof of verification ( s ). The letter/matter did not get the attention it deserved as no valid proof or evidence was provided, amounting to false and misleading entries/statements being " verified/validated '' without consequence to the perpetrator of the fraudulent activity. The matter is hindering my ability to obtain credit/financing as well as infringing on my right to Life, Liberty and the pursuit of Happiness. Thus, escalating actions are being taken. [ Evidence Attached ]
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Payday loan, title loan, or personal loan

I was contacted today at work. I was asked for a lot of confidential information that I did not want to give. I was informed that I was preapproved for a loan. When asked for my bank login, I said no. The representative told me I could login and she would just need to confirm at least 45 days worth of payment. I logged in and everything was fine. After the call, I received a fraud alert from XXXX  XXXX XXXX. I had to go into the branch to confirm my identity and was told that this company had thousands of XXXX  XXXX XXXX accounts tied to it and it was a fraudulent company. I have put fraud alerts on all of my credit reports as well as freezes. I have to close all of my bank accounts and start new because the company logged into my account and I do not know how without me providing any information. I also received an alert that the company has opened a new account and I am not sure how this was done.
Product: Mortgage

I am rewriting my XXXX mortgage. In so doing, I need a subordination agreement from Springleaf Financial. They will not do the agreement until I bring the loan payments current. When I asked when I missed a payment, they were unable to tell me. My bank records show I am current on my payments. They tell me I missed one payment in XX/XX/2013 for {$280.00} yet they tell me I have to pay over {$800.00} to get current. 
Holding up my loan closing to attempt to collect money I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$19000.00} XXXXXXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$3900.00} XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXXBalance : {$59.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$190.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccording
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out about the incorrect reporting on my credit account, was given a run around by the creditor, then i reached out to the company in charge of the consolidation and they have yet to get back to me
Product: Mortgage

On XX/XX/2023 my mortgage company Cardinal Financial approved a forebearance agreement for the months of XXXX, XXXX and XX/XX/2023 and my payments would resume XX/XX/2023. I was informed by the Loss Mitigation team I would not have to update any of my autopay information as the payments were suspended on their end, therefor no payments would come out. On XX/XX/2023 I received a letter that they received the authorization to change the date they use to draft my regular monthly payment. On XX/XX/2023 my mortgage payment did in fact come out. We have a written agreement that I did not have to make payments for XXXX. I did not authorize Cardinal to take my payment and as of XX/XX/2023 I have still yet to receive. I have been calling Cardinal Loss Mitigation for more than 2 months trying to get this resolved and refund me my money. Every time I call I get different information or promises I have a refund in the mail. I have called almost weekly for updates and continue to get false information. Our written agreement states I do not have to pay for XXXX, I did not authorize this payment. I want my refund. They did not uphold this forbearance only causing me more stress.
Product: Debt collection

Receive a letter from.attorney whom is threaten to garnish my wages threw company called cash link USA ... which l wasn't aware l. judgment was placed against me in wood country Wisconsin never receivedNo Legal document .now received a letter to garnishment on my wages l am a victim of identity theft. I have copy attached. .l don't no anything about this company whom claim l owe. I never received {$3000.00} from.Anyone attached document federal trade commission complaint also includes the legal documents from Cash Link usa threaten to garnishish possibly could lose my job regarding this garnishment