23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been a full time enrolled student at XXXX University since XX/XX/2019. I applied for the grant and loans and was approved on XX/XX/XXXX. I was told I would recieve 2 seperate checks one in the amount of XXXX and another in the amount of XXXX within 10-12 weeksre from the date of being approved. However XX/XX/XXXX my 12 weeks will be up and I havent recieved anything yet. I keep contacting my sfa, and my ssa and everyone i can at the school but they tell me they are waiting on the department of education to release the funds to them then as soon as the get it I would recieve the rest in the above amounts for living expenses. I decided to contact the department of education financial aid and was told as you can see in the chat below that the funds was sent to XXXX XXXX college the next buisness day after they recieved it. According to the college they have not recieved anything yet. I just want straight answers and I am not getting them. I have talked with other students and most of them recieved theirs already within like 6 weeks and only 3 others besides myself havent recieved anything yet. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

As per 15 U.S. Code 1681i ( 5 ) regarding the Removal of Inaccurate/Invalidated Credit Information , if, following any reinvestigation of disputed information by a consumer, it is determined that an item of the information is inaccurate, incomplete, or can not be verified, the consumer reporting agency must promptly delete that specific item from the consumer 's file.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I filled a complaint XX/XX/2022 On Equifax on how they did not do a proper re-investigation since they didnt do the job the first time explaining to them all accounts were still incorrect complaint number XXXX ( filed with CFPB ) they then send me in the mail that they cant verify me and need more information on XX/XX/2022 but yet they had my information when I sent it in, thats how they did the false INVESTIGATION THEY CLAIM THEY DID!. This is very unprofessional on their behalf they need to respond to my CFPB complaint and delete the accounts I am a living person protected with federal rights that they have violated this is my second complaint with CFPB now. Date XX/XX/2022 and I was a victim/Affected due to equifax data breach as well with proof
Product: Vehicle loan or lease

Ive been with Nicholas Financial for almost two years. Our relationship started off Rocky soon as I purchased A XXXX  XXXX XXXX  my car begin to have MAJOR transmission problems I had to pay money out my pocket multiple times to get my car back and running and I was also missing work because of this situation. It was times the car wouldnt go in reverse and I was stuck out of town for HOURS. I got stuck on the highway, this car was very dangerous to drive. I became late on my car loan because Im not financially able to spend that much money on fixing a car that I just bought and still have to pay rent and utilities. So I became late almost every month because I was too busy trying to catch up on rent and utilities. I believe if I was never sold a lemon I would have been able to afford having my car paid on time every month. I need Nicholas to help and change my late payments to positive it would really help with all thats going on in the world right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion keeps stating that I have accurate which is not so I can't get it off my credit file then why all 3 credit bureaus have a different balance, last activity, original balance, last payment stated so how it can be verified. Why am I bother disputing if they come back with the same result by saying verified? it's the second time, I filed a complaint against Transunion, they keep all non-account inquiries, employment info, and derogatory accounts that I currently don't own anything at all so how do they verify, and how they assume it was mine? can they prove it was mine I keep disputing for more than a year by now? so It seems never resolved. I am trying to get a house this year It seems like they are keeping me away from purchase a new home this year I do have a lot of positive accounts so what are they keep me from becoming excellent. Nobody deserves to be stuck. You can see that I am trying to get that inaccurate information off my credit file. Creditors can lie to bureaus or keep inaccurate so how it can be verified? if an account is sold then it shouldn't be reused or stay on my credit file since both accounts is {$0.00} and you can see the balance is different and dates as other credit bureaus stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX EQUIFAX INFORMATION SERVICES, LLC. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCT. # XXXX XX/XX/XXXX, XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose 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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}.

Failure to respond satisfactorily with deletion of the above referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC $ 1692g violations Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Send out a free copy of my report after the changes have been made. 

Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit card usage account information from XXXX XXXX. 

XXXX XXXX XXXX reported XX/XX/XXXX, XXXX Account is closed and shouldn't be listed under active credit card usage. 

XXXX reported XX/XX/XXXX, XXXX is closed and shouldn't be listed under active credit card usage. 


XXXX - XXXX reported XXXX XXXX, XXXX is closed and shouldn't be listed under active credit card usage. 

XXXXXXXX XXXX XXXX  -- Last reported XXXX XXXX, XXXX transferred to XXXXXXXX XXXX and shouldn't be listed under active credit card usage. 



XXXX XXXX - {$0.00} out of {$2200.00} -joint account with spouse and I was removed from the XXXX XXXX showing on open credit usage and open. 


XXXX XXXX -- {$0.00} out of {$650.00} -joint account with spouse and I was removed from the XXXX XXXX showing on open credit usage and open. 


XXXX XXXX -- {$0.00} out of {$3800.00} -- joint account with spouse and I was removed from the XXXX, showing on open credit usage and open.
Product: Credit reporting or other personal consumer reports

Request for Removal of Fraudulent Items Due to a Result of XXXX Trafficking Dear cfpb I have tried everything and I need your help I am writing to bring to your attention a serious matter concerning my credit report. I am a survivor of XXXX trafficking, during which my personal information was used without my knowledge or consent. As a result, my identity was compromised, and fraudulent accounts and activities were reported under my name. 

I am requesting that the following fraudulent items be removed from my credit report : I understand that under the Fair Credit Reporting Act ( FCRA ) and the Trafficking Victims Protection Act, I have the right to dispute and remove any items that resulted from the identity theft associated with my trafficking situation. 

I appreciate your prompt attention to this matter and request that you expedite the investigation and removal of these items from my credit report. Please confirm in writing that these items have been removed and provide me with an updated copy of my credit report. 

Thank you for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the account completely from my credit reports. XXXX XXXX XXXX
Product: Debt collection

Attempted several times over the last couple years to reach out and explain that this is a account of my deceased husband. Once he passed away, in 2021, they started contacting me. During time of this account we were not together or in the same residence. I have requested several times for proof that this is my account, instead they raise the debt amount here and there by a couple dollars. On a monthly basis the amount owed fluctuates from XXXX to XXXX and as that amount changes it affects my credit score. Please research and remove as I am taking responsibility of my credit at this time. Thank you in advance.
Product: Debt collection

I borrowed XXXX for school at XXXX XXXX college, and they sent my student loan to collection agency without contacting me. The collection agency, ECMC, now wants XXXX. They are trying to garnish my wages, I am on food stamps and get utility assistance because the cost of living in the city of XXXX is so high. I am already well below the poverty line, this is predatory and unfair practices by ECMC
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, you fail the test, XXXX. I closed on a mortgage with you thieves on XX/XX/2021 and everything went well until you " upgraded '' your software in XXXX of 2021. Then, everything went to XXXX. You failed to credit my payment in XXXX, instead adding it to the principal balance. How does a mortgage balance go up with monthly payments instead of down??? I've complained repeatedly and all you do is throw figures against the wall, hoping that some of them will stick. None of them do. Nothing you have done makes any sense at all. The numbers don't add up in any way. I asked you to supply a report that any reputable mortgage company could easily supply - a running balance report that aligns with an amortization table and you refuse to do so. You wouldn't cooperate with the XXXX  in XXXX Texas and you sent an explanation letter to the CFPB that is incoherent and makes no sense. The " reports '' you sent are nothing but living proof of XXXX XXXX XXXX maxim : " If you can't dazzle them with brilliance, baffle them with XXXX. '' Since you couldn't get your act together, I refinanced with another company, an honest and reputable mortgage company, and closed on that loan on XX/XX/2021. Now, I can't get rid of you from my credit report. It shows the balance due to the new mortgage company with your name on it. XXXX corrected the error but Experian says you still hold the mortgage. You don't and I disputed their " resolution ''. 

Oh, you've also reported to the IRS that I paid XXXX in interest in 2021. I did not. I paid {$3600.00}. 

I had to use a pdf manipulation program to break your " report '' into pieces so that it could be easily understood. See if you can find someone with more than a grade-school education who can understand what you sent. 

One other thing : do you know what a telephone is? Do you know how to use one of them? This issue could easily be resolved if you would simply call me. But I guess that is beyond your technical expertise. 

You owe me {$840.00}. Cough it up. You are nothing but an incompetent bunch of thieves.
Product: Money transfer, virtual currency, or money service

Hello, I received the following email from Paypal ( I have deleted sensitive information ) : Your buyers bank requested a reversal for the transaction below. 

We are required to return that payment to the bank. When this happens, we take the loss on your behalf if the payment is covered under PayPal Seller Protection.  Unfortunately this payment was not eligible for that, so we have deducted the related amount from your PayPal balance. 

Transaction Details Senders Name : Senders Email : Your Transaction ID : Transaction Date : XXXX XXXX, 2017 Transaction Amount : {$50.00} USD The issue with this, is that this was not a purchase, but a money transfer ( gift ) from my brother, over 5 months ago. My brother 's account received several unauthorized transactions recently, and he alerted Paypal to this. They were unresponsive until his balance turned negative. Now they are asking him to pay it. 

Paypal has deducted money from my sister 's account, and now mine, in an attempt to get this balance back, which I believe is fraudulent. 

Deducting money from my balance for an ongoing dispute unrelated to me from 5 months ago, I believe is violation of trust and privacy ( they are independently tracking my brother 's transaction history without his knowledge or consent, and attempting to penalize others to recover their loss from their own mistake ). I would like to alert you to this practice. 

I should also add, that my brother resides in the XXXX, which has even stricter privacy laws, and I am surprised that they are able to successfully do this. Please let me know if you need further information from me about this transaction. I appreciate your attention to this.
Product: Mortgage

I am a XXXX XXXX XXXX XXXX  XXXX veteran in the state of Pennsylvania. I applied for my real estate tax exceptionu see Pennsylvania statute 51 PS section 8903. I received my certification for this tax exemption from XXXX County board of assessment appeals on XX/XX/XXXX, with an effective date of XX/XX/XXXX-XX/XX/XXXX. This certificate states this exemption will affect all real estate taxes levied between these dates. I have submitted the certificate to my mortgage company Cardinal Financial Company. I have spoke to several employees and even a supervisor. They refuse to update my escrow to the XXXX  taxes. They have the certificate from the state but is still denied to me. Ive made many attempts to fix this but they refuse. Im not sure what to do from here. Ive called my tax office and they instructed me they will not provide any more paperwork, that the certificate is all they will provide. The mortgage company is asking for an updated tax document proving I pay no taxes. My tax office says they cant produce a paper showing the XXXX. And that the mortgage company and myself will no longer be sent tax bills because I wont even produce a bill in their system becuse im exempt. But for whatever reason cardinal financial acts as this has never happened and refuses to cooperate with me.
Product: Debt collection

On XX/XX/XXXX of XXXX I was eligible for XXXX XXXX for low income people at a rate of $ XXXX subsidized by a Federal grant called XXXX XXXX I wasnt told that the modem was rented for {$0.00} per month, assuming them that this was equipment belonging ro me and paid for by the subsidy. There was never any communication specifically stipulating either scenario. They shut off the account XXXXXXXX XXXXXX/XX/XXXX and allowed a $ XXXX  day return of equipment window, which I returned to them in the prepaid shipping label box sent to me by XXXX XXXX XXXX. They claim I owe them {$150.00} for non returned equipment. Because I previously had XXXX XXXX before the subsidy was offered, its possible I returned the wrong modem as they looked identical in appearance and a serial number for the device requested was never specified. I contacted XXXX XXXX XXXX and they refuse to accept the return of the equipment that I possibly may be in possession of as I had 2 and XXXX have returned the wrong one but within the 90 day window allowed. I spoke with their accounting department and they put me on hold in order to provide me their attorneys phone number. The call was disconnected by them while I was on hod on all three attempts to gain clarity on whether they sold the debt or wrote it off as a loss, or did both in violation of GAPP Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested from experian to remove address XX/XX/2022. Experian refuse to remove address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl.XXXX  This address does not belong to me
Product: Credit reporting

I have been a victim of identity theft repeatedly over the last 10 years, including due to data breaches on XXXX XXXX, and XXXX, all of which revealed my name, address, dob, ssn, and place of employment. While the accounts that were fraudulently obtained were all removed, the inquiries from the more recent breaches have not been removed. 

I filed complaints over the phone, and in writing to TransUnion instructing to remove the inquiries. I was informed that they were removed on the phone, and logging into my TransUnion credit monitoring product shows that they are removed. However, I received no response to my written dispute of the inquiries. 

When I pulled my report today from a third party site, all of the inquiries, fraudulent or not, are there again. If I log into TU, it shows XXXX inquiries. Trying to obtain my free credit report through their dispute and annual portals results in no report, as it appears they have blocked me from accessing them through anything other than their credit monitoring tool.
Product: Credit reporting or other personal consumer reports

Per complaint XXXX Equifax informed inquiries would be removed. Inquiries were removed and has been placed back on my consumer report some how. This is against federal law. As stated before I have identified inquiries on my consumer report that has been furnished without my written consent, instructions, and I didn't provide permissible purpose this is identity theft : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached my FTC report and police report case number. I also attached a copy of my drivers license, social security card, and my credit card statement to verify my identity. Please remove immediately.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law.These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX XXXX Balance : {$7000.00}
Product: Bank account or service

PayPal limited my account and then closed it within 24 hours without providing any documentation for why they are closing the account. They are also holding my funds ( $ {$650.00} ) for 180 days before even telling me how I can get them back. They are refusing to respond to my emails/questions as well as refusing to deposit my funds into my linked checking account. I find it completely unacceptable that I would have to wait 6 months to collect the money that is in my account.
Product: Credit card or prepaid card

On XX/XX/2020 I was notified via text and email to a charge Bluebird Fraud Free Msg : Did you try to charge {$150.00} on Card ending XXXX at XXXX XXXX Reply 1 if Yes, 2 if No, STOP to opt out. XXXX and my response was No because this charge was being done out of XXXX Florida as my current location was XXXX Florida where I work and XXXX Florida where a reside. Therefore that was not me. So I did call XX/XX/2020 to find that my card was used in another other state on the same day totaling $ XXXXXXXX XXXX XXXX  {$63.00} and 3 transactions at XXXX XXXX XXXX  {$120.00} {$210.00} {$180.00} {$140.00}. How was this possible but this definitely was not me and I didn't authorize any of this transactions.