23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loans from the US Dept of Education ( Federal level ) have been in default. There are 11 loans in total. 
My loans are apparently handled by the US Dept of Education and a Collection Agency called ConServe. 
I had a federal tax offset of {$4200.00} which was handled by the USDept of Education. I called and spoke with ConServe and the USDEdu, asking if I could apply my offset to specific loans so they would be paid off. I was told their policies does n't allow for this and they will divide it among all 11 loans equalling about {$380.00} per loan. Doing the financial analysis on this, that is pointless as the interest will accrue and make that money worthless. 

I spoke with the supervisor at USDEdu, named XXXX, Employee number XXXX and she told me they will apply the money to the loans of my choosing. I confirmed that this is OK to do from the Department of the Treasury. About 2 weeks ago, around XX/XX/XXXX, I called back the US Dept of Education to confirm which loans I wanted the money applied to.. Strangely, the balance they gave me on these loans was suddenly {$400.00} more than the previous week when I received my loan information from XXXX. I asked to speak to XXXX about it but they claimed they have no employee there by that name and have no way of verifying employee extensions. 

Frustrated, I reluctantly let it go for the time being. Today, XX/XX/XXXX, I contacted ConServe to verify those two loans were indeed paid off. They are now telling me that the money was applied to ALL 11 loans per the US Dept of Education guidelines, and there was a note in my account on XX/XX/XXXX by the US Dept of Education saying they would not apply the money in full to the loans in question. ConServe basically always tells me theres nothing they can do and to contact the US Dept of Education. The US Dept of Education always tells me theres nothing they can do and to contact ConServe. I do n't understand why I ca n't apply MY money, the way I want it applied to MY loans. This seems like unfair practices designed to work in the creditors favor and oppress me as the borrower who is trying to take care of these loans. 

It is also my understanding that tax offsets can not be applied to collection fees, and I believe they have done this as well based on the sudden {$400.00} increase per loan but they refuse to send me a financial statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts reporting on my credit file that I was only an authorized user and I never asked to be. My ex husband put me on their without my knowledge and when I disputed the information the credit reporting agencies stated it was an individual account. I never opened nor signed for a XXXX XXXX /XXXX  account nor a XXXX XXXX account. All the bureaus did was report the information show it included under a bankruptcy but still have it listed under my name.
Product: Money transfer, virtual currency, or money service

coinbase.com 'Your account has been closed This is to protect you and ensure compliance with our User Agreement. You can still send out or withdraw funds to a linked account. ' I am aware that my account has been closed due to online gambling. However, my remaining assets are permanently stuck there as they make it impossible to transfer/sell what I have there. 

" The minimum amount you can send is XXXXXXXX XXXX '' I have XXXXXXXX XXXX  valued at {$40.00} as of this complaint. I understand it is not much, but its money that i refuse to have sitting on coinbase as they XXXX me already for being XXXX. 

I can not add more XXXX  to transfer, I can not sell because my account is restricted, I can not buy more to transfer out, i can not speak to customer service because it does not exist.
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and request the removal of inaccurate, fraudulent inquries, negative and outdated items from my credit reports, that is result in identity theft being exposed to multiple data breaches According to my rights under the Fair Credit Reporting Act ( FCRA ) SECTION 623 ( a ) ( A ), i am entitled to dispute and correct any erroneous information that adversely affects my credit standing. the fraudulent activity has severly impacted my credit, and i seek prompt resolution to rectify this situation with the removal of the fraudulent inquires listed below : XXXX Consumer portfolio service XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. REMOVE THESE FRAUDULENT INQUIRES IMMEDIATELY!!!!!
Product: Debt collection

no contract This account is a direct violation of the FCRA and is inaccurate and invalid. it has not been verified or validated and need to be removed from my credit report. Did debt meet the staute of limitations in the state of Florida, no contract was sent to me by this company for debt to be collect before putting inaccurate information on my credit report. 

Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX High Balance {$1300.00} Original Creditor XXXX  XXXX Past Due {$1300.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION<
Product: Prepaid card

Formal Complaint Regarding InComm Payments ' Violations of Consumer Protection Regulations Dear Sir/Madam, I am writing to formally file a complaint against InComm Payments for their egregious mishandling and disregard of consumer rights in response to fraudulent activity on Vanilla Visa gift cards, which they oversee. Over the past XXXX months, I have endured a litany of dismissive actions from InComm Payments, including being ignored, hung up on, and arbitrarily told that assistance could not be rendered due to a purported lack of pertinent information. 

On XX/XX/2024, after persistent pursuit, I received a cursory response from InComm Payments, pertaining to only one of the two disputed Vanilla Visa gift cards. This solitary acknowledgment, albeit belated and incomplete, purportedly confirmed the resolution of one card, while obdurately neglecting the unresolved discrepancies associated with the second card. Despite providing copious details, including my bank account information and current address, InComm Payments has remained obstinately unresponsive, egregiously disregarding my rightful pursuit of restitution. 

InComm Payments ' recalcitrant conduct contravenes multiple consumer protection statutes, most notably the Electronic Fund Transfer Act ( EFTA ), Title 15 U.S. Code 1693, and its corollary Regulation E, which mandate expeditious and diligent resolution of disputed transactions on prepaid accounts. Additionally, InComm Payments ' apparent indifference to consumer grievances flouts the stipulations outlined in the Dodd-Frank Wall Street Reform and Consumer Protection Act, Title X, Section 1031 ( 12 U.S. Code 5531 ), which prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ) in consumer financial products or services. 

It is with profound consternation and exasperation that I contemplate the manifest dereliction of duty exhibited by InComm Payments in their handling of my legitimate concerns. As a consequence of their wanton disregard for consumer rights, I have been compelled to consider seeking legal recourse to obtain due redress for the financial losses incurred and the egregious emotional distress suffered as a result of their callous indifference. 

Enclosed herewith are pertinent correspondences, including the communication received from InComm Payments, for your perusal and consideration. 

I implore the Consumer Financial Protection Bureau to expeditiously investigate this matter and institute remedial measures commensurate with the egregious regulatory infractions committed by InComm Payments. Moreover, I request that InComm Payments be compelled to furnish an exhaustive account of their actions and be held accountable for the grievous harm inflicted upon consumers through their wanton disregard for regulatory mandates and consumer rights. 

Thank you for your prompt attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to upholding consumer rights and ensuring the equitable treatment of all consumers. 

Sincerely, XXXX XXXX
Product: Debt collection

In the letter attached It is implied that they will deduct monies from a bank account associated with account numbers of of mine. I have never spoken or received any communication regarding this alleged debt. I have not agreed or provided any financial information to cure this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out XXXX XXXX XXXX   along with Experian, XXXX, and XXXX  multiple times they have not responded with any debt validation. 

I have no contract with XXXX XXXX I do not understand how they are able to report that I have a debt with them if they do not have a contract. 

There are two accounts.
Product: Credit reporting or other personal consumer reports

Hello, and I hope this message finds you well. Ive noticed incorrect information on my credit report, and its become a significant concern for me. These errors are jeopardizing my financial stability and hindering my ability to move forward, as my credit applications are being unfairly denied due to these inaccuracies. The stress this situation has caused is overwhelming.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance : $ XXXX XXXX and XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance {$480000.00}
Product: Debt collection

They 've have contacted me over 25 times via robocalls illegally. I am on the do not call list. They were looking for my husband. I told them to stop calling my phone. I am on the do not call list and have never told them to call me. The lady who calls is rude and calls me multiple times a day to harass me. She frequently calls before XXXX. She wakes my sick baby up. I did a letter with my husband asking to cease communications until they verify my husband 's debt, I asked them to futher not contact him on my phone, I told them I never gave them my permission to call my phone and I have been on the do not call list for 3 years. They illegally recorded my phone calls without my consent. They call and wake my husband, our sick infant and myself out of sleep. They call before XXXX frequently.They are causing me great mental anguish and my child as well. They have violated XXXX state law, debt collector laws, and the tcpa act. I am further reporting them to the XXXX as well as the XXXX. I have already reported them to the Ftc because they are unwilling to resolve this.
Product: Credit reporting or other personal consumer reports

In accordance of the fair reporting act list of companies listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX {$750.00} {$570.00} {$570.00} {$500.00} XXXX  XXXX XXXX {$500.00} Has violated my rights 15 USC 1681 section 602 A States I have a right to privacy.

15 USC 1681 section 604 A section 2 states of consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 states : ** ( 1 ) Prohibition** ( A ) 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.

( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Product: Debt collection

I'm being sued by a company for a past due card debt that I'm unaware of and was impossible for me to have charged these fee 's. I moved to XXXX early XX/XX/XXXX now its XXXX. The charges was made in middle an end of XXXX. I'm asking for my name be removed from this debt due to fraudulent charges made with my name.
Product: Mortgage

I was notified by my insurance company that the mortgage company did not pay the insurance even though there is plenty of money in my escrow account
Product: Credit reporting, credit repair services, or other personal consumer reports

Divorced. Court order ex wife to be responsible for payments on this mortgage account. How can I be held responsible for something I have no equity claim to, no obligation to make timely payments. The property is not mine and the balance on the mortgage should Not be included in a debt to income ratio to determine a Credit score or the ability for me to obtain a new loan on another property. I am not responsible for this loan- as ordered by the State of New Mexico. I do not have any right to the title, equity or any proceeds that there may be to ex-wife. XXXX XXXX XXXX. SS : XXXX. Remove this from my creditor report NOW.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple credit inquiries on my credit report within the past month. According to my records, there have been multiple inquiries made on the following dates : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/year> XXXXXXXX XXXX XXXX  XXXX Inquiry date XX/XX/year> XXXX XXXX  Inquiry date XX/XX/year> XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/year> XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX  XXXX XXXX XXXX  Inquiry : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( 15 U.S.C. 1681b ), a creditor must have a permissible purpose to access a consumer 's credit report. I did not authorize any company to make these inquiries, nor did I apply for credit with these companies on these dates.

I am requesting that you provide a detailed explanation and evidence of my authorization for these inquiries. If you are unable to provide this documentation, I ask that these inquiries be removed from my credit report immediately.

Additionally, I am notifying the credit reporting agencies of this dispute and requesting an investigation into these unauthorized inquiries. 

Thank you for your prompt attention to this matter. I expect a response within 30 days, as required by the FCRA.
Product: Debt collection

Those debt dont belong to me after several attempts those companies failed to prove they mine
Product: Money transfer, virtual currency, or money service

I have two transactions from my checking account going to a roarmoney account that I do not have nor have I ever heard of until today. After doing some digging it turns out it went to a bank account app known as moneylion. I have a charge onXXXX for XXXX dollars and a charge one XX/XX/2021 for XXXX dollars as well as 2 overdraft fees of XXXX dollars each. I'm writing this to get help getting my money back.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : 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 XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I would like to request for experience to send credit reports to all agencys who recieved or look up my credit report, as to there has been ALOt of hard inquiry not authorized by my on report I am in the process of disputing, I have medical bills from XXXX XXXX. The have ILLEGALLY and UNauthlrozed by myself exposed my medical records to another agencys without my approval which is covered by HIPPA. I want help, or advice to get off my record. XXXX XXXXXXXX XXXX, It XXXX illegal so send/expose my personal medical records to ANYONE or ANY business/agency! This collection has made it very difficult to progress my credit! Also, finance system AND FINANCE SYSTEM of RICHMOND has done the same thing!!!!!! Unauthorized by me and illegal! XXXX XXXX XXXX! I am going to look further into a lawsuit if they do not remove from my report! AS for hard inquirys that need to be removed as to I did not authorize these either, XXXX XXXXXXXX XXXX has multiple inquirys that I did not authorize, XXXX XXXX has multiple inquirys, XXXX XXXX, I have so many but I am going to start off with this complaint. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX, these companies ALL have somehow gone on my report!!!!! And need to be taken off please!
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  ) Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ) The Accounts above Has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

A XXXX account in the amount of XXXX and XXXXXXXX XXXX account in the amount of XXXX was open in my name I have been a victim of identity theft I been disputing these account since last year. I sent both companies police reports and a identity theft affidavits.
Product: Money transfer, virtual currency, or money service

At XXXX  XX/XX/2022 on bank : fifth third bank, N.A. ( XXXX  ) Routing number : XXXX Account number : XXXX Tranfer money {$790.00} to XXXX  XXXX XXXX Account number : XXXX Routing number : XXXX Still passing thOse days and no refunded my money to the same account of ( XXXX  ) I call to XXXX supper every day contact them to find results to refund my money. 

I call XXXX  XXXX XXXX and there cant give me information of that account but is not my person all account XXXX  XXXX XXXX say call wisely support to give refund the money.
Product: Credit card or prepaid card

On XXXX XX/XX/2019, we received a Prepaid Credit / Debit Mastercard from  NETSPEND ( XXXX. XXXX XXXX, XXXX, TX XXXX ) with the name XXXX XXXX. XXXX XXXX is my XXXX year old son and never applied for any credit cards. We are concerned with identity theft and fraud by this company or whoever applied for this card. Again, my son is only an XXXX year old child. We tried to contact the company by phone but the only active number is to Activate the card. Also, the name listed is XXXX XXXX with an address of XXXX XXXX XXXX, XXXX, GA XXXX. Our address is XXXX XXXX XXXX XXXXXXXX, GA XXXX.
Product: Credit reporting or other personal consumer reports

UPON ME CHECKING MY CREDIT REPORTS I NOTICED SEVERAL ACCOUBTS THAT ARE FRADULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a dispute with cfpd on this several months ago. After all this time the items in question were still not removed. I finally got through to speak to a human at Experian and finally they removed 99 plus items not belonging to me. All if which I have been disputing for a very long time and were terribly overlooked on their part. 
My report showed a second SSI number a wife that I never had, that didn't even have the same last name that had a delinquent XXXX  account on my report that prevented me from obtaining a loan from them myself 3 years ago. Also on this phone call i found out that another collection account of almost {$500.00} was her actual husbands account not mine. Boat loads of names addresses phone numbers a wife multiple SSI numbers have been removed from Experian. still a few remain. but even after all of this I only received a slight increase in my fico. This is ridiculous and I need this fixed. Also I should be rewarded with compensation for heavy damage to my credit embarrassing rejections the perception of having a wife when I was never married. I am retired and lving on a small pension and ssdi. I need credit to survive. Also after removed several delinquent and negative items since my initial complaint with CFPD my scores with XXXX  and XXXX   have dropped ridiculously and I feel this is a direct and intentional retaliation for filing that initial complaint And thet should be held accountable.