23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Have have federal student loans and my load servicer is Aidvantage. I graduated college two months ago. I should still be in the six month grace period. However, Aidvantage set my payments to start less than one month after graduation. I called Federal student aid and they informed me that my status with them is in the six month post graduate deferment and that I would need to get in touch with Aidvantage. I have been trying to call them since the beginning of XXXX. I have waited well over an hour on hold multiple times and many times their phone system hung up on me. The one time I was able to get through to a customer service agent after I told them what was going on, they said One of your loans shows in deferment then they either hung up on me or their phone system cut us off. I have also sent emails to their customer service and have not heard anything back.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized inquiries on my credit report. I have identified several inquiries that I did not authorize which I believe are in violation of 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( I ) ( 3 ) of the Fair Credit Reporting ( FCRA ). According to the statute inquires on my credit report should only be made with my express consent or for permissible purposes as defined by the law. The inquiries in question were not authorized by me and they do appear to not have legitimate permissible purposes under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I cant pay my rent or receive any direct deposits on my capital one bank account and if I dont pay my rent today I will be kicked out I have late fees due to this bank as well this is not okay and have not been resolved I want full access to my account along with a reimbursement!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent over the facts disputing the records of inaccuracies to all 3 bureaus and they are just reporting back that it's verified with ABSOLUTE XXXX verification or documents. According, to the FCRA, any verification should be supported by documentation. The adverse accounts have not been removed and it's hendering my financial life.
Product: Checking or savings account

A previous complaint has been filed concerning the improper duplicated withdrawals of funds from my Savings Account, based upon a vacated XXXX by Order of the Court. The XXXX XXXX Department faxed a XXXX reversal request, yet Wells Fargo has the audacity to state that the XXXX is valid and that my complaint has been resolved. They have not taken reasonable steps to confirm the validity of the XXXX. They can not be allowed to illegally withdraw funds in defiance of a Court Order. Wells Fargo, the relevant departments, and staff must all be held accountable and be held to the highest degree of integrity. They still owe me money and I demand that it be retuned to my account without further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I submitted a complaint to resolve an issue with my mortgage company XXXX XXXX. I did not make a late payment in XXXX. I have made disputes with equifax, XXXX and with the mortgage company. XXXX XXXX realized where the missed payment report fell through the cracks. I did not miss a payment with XXXX XXXX and have been making my payments on time before and even after the month of XXXX. XXXX  has removed the late payment record of XXXX XXXX from my report. I am asking for Equifax to do the same. Please understand this unique circumstance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, sent dispute letter to Transunion in reference to inaccurate information and accounts. Sent Method of Verification letters on XXXX XXXX and XX/XX/XXXX. Items being disputed were a XXXX account for XXXX and a XXXX XXXX XXXX account for {$7100.00}. The following was included in letter : Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error. I have previously provide court notice to prove the inaccuracy. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
To this date have not recieved any of the requested details from any of the credit bureaus Transunion,, XXXX, or XXXX. Each has been sent multiple Method of Verification request as defined under FCRA 611 ( a ) ( 6 ) ( B ( iii ) This issue has been ongoing since XXXX and has hindered me in being approved for housing and is putting a burden on my son and his family and me with my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there's still an account that needs to be UPDATED. I need this account verified in order to clarify my credit report Here is the account : CREDIT FIRST NA XXXX
Product: Credit reporting or other personal consumer reports

I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan. I am writing the CFPB here with serious concerns about my consumer report. I have deragotory account reporting incorrectly that should not be public information. I have incorrect late payments reporting that 1 ) I never gave the company or and credit agency permission to report 2 ) Late payments should not be public information as refernced in 15 US Code 6802 Obligations with respect to disclosure of personal information. I need this information changed and updated immediately as it is effecting my finacial livelyhood. 

THIS IS AGGRAVATED IDENTITY THEFT 18 U.S. Code 1028A - Aggravated identity theft.

In addtion to it being agravated identity theft the following laws are being broke by all parties involved below : 15 U.S. Code 1666b - Timing of payments 15 US Code 6802 Obligations with respect to disclosure of personal information.
Product: Credit reporting or other personal consumer reports

I reached out to all 3 credit bureaus and asked for them to remove unidentified hard credit inquiries I was told that they will stay on for 7 years even though I did not authorize them to do so I have a fraud alert on my credit file that has not been honored by any of the credit bureaus hence other people are using my information to open up fraudulent accounts and the bureaus are giving me a hard time to remove the items even with a police report
Product: Mortgage

Select Portfolio Servicing Company is a dept collection agency which is about the 5th company to buy up our original mortgage~ they are not tge original holder of the promissory note and have been threatening us with calls, shark attorneys and threatening letters of foreclosure for a few years now. They say they will work with us with remodification but keep the payment at an astronomical payment that they know we can not afford. Their lawywrs say they want to work with us at a mych less repayment amount but tge bank says not true..the bank had us fill out 3 lines online and never asks for income verification ~just tells us you qualify only for {$4500.00} a month and thats it! We were told at court by their lawyer XXXX XXXX XXXX to work with him, but then never gets back to us, and the bank says dont work with our lawyer work with us directly ... what are we to believe? We can afford {$2100.00} a month and have asked them if there is a program to put us in a balloon payment and work with us with this amount they say they have them but not for us!!! They say they want to gelp us stay in home but then tell us this stuff!! They dont even have the original note or even own it.. they bought up a bad debt and they know it!! We have read there is litigation about laws protecting consumers about people trying to forclose on people when they are not original note holder ... its illegal ~ look it up. The original mortgage company XXXX XXXX XXXX XXXX..told us before we were ever late for a payment, when i called them to tell them i was an injured XXXX XXXX on duty and lost my job and the economy crashed and my husbands carpentry business went under, they told me the only way they could help us was to default on mortgageYES they said thismiss 3 payments and we can then help! That was a disgusting damaging LIE that started this disaster for us..we missed payments we could not recover from..it destroyed our credit beyond repair. We have never truly been heard and we have begged and pleaded for the judge and state of NJ to please take this very seriously! We have been done totally wrong from 2006 to now. We never have an answer! We have been told over years the foreclosure is dismissed with no explainations..sold over and over ... different law firms have picked it up! We have never been able to resolve it properly and its been XXXX for our family!! I urge you to please help us!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending countless letters appealing to Equifax to verify the disputed item and remove it if unable to prove that the Item is mine. Equifax is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy... Please remove the item ASAP : XXXXXXXX XXXX  XXXX
Product: Debt collection

XXXX   XXXX   XXXX   XXXX   fr  om  a company called  CDR called my  cell number and my work number to inform me of a debt. Calls were made to my extension at work and several other classroom extensions and the office. He informed all these people that he was a collection company, gave everyone my file number, and told them this was attached to my social security number. I contacted  XXXX   XXXX  and told him to NOT contact my work or work colleagues. I also made payment arrangements for 3 payments.   End of  XXXX  to beginning of  XXXX   XXXX   XXXX   XXXX   from CDR called m y cell number, my work number, and several work extensions leaving messages that referred my file number, and again that my file was attached to my social security number.   He even called the personal cell number of my principal. He has never disclosed how he got this cell number, nor would he say that he would stop contacting my work or colleagues until I agreed to set up further payment arrangements.
Product: Credit reporting or other personal consumer reports

There have been several disputes and complaints submitted to get the information corrected. As of XXXX, there was a request to have these accounts removed from my credit due to their inaccuracies. 

The response was provided on XXXX, and the information remains on my credit with claims in the letter that are also inaccurate when compared to my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into the actions of Experian, which has included negative information reported by banks, credit card entities, and third-party debt collection agencies, on my credit file. This occurred without my consent, as I have never signed any application or contract authorizing this agency to report such information. I have constantly requested proof of a signed application or contract, along with a copy of my valid drivers license, but neither Experian nor the reporting agency has provided any evidence to support their claim. This raises significant concerns regarding Experians compliance with the Fair Credit Reporting Act ( FCRA ), specifically related to the permissible purposes for accessing and reporting consumer credit information. The unauthorized reporting of this derogatory information has negatively impacted my credit score and financial standing, causing undue hardship. Under the FCRA, a permissible purpose is required for any entity to access or report credit information, and I have not given any such authorization to Experian. I respectfully request that the CFPB investigate this matter, ensure that Experian is held accountable for their failure to comply with FCRA regulations, and take the necessary actions to have the inaccurate and unauthorized information removed from my credit report immediately.
Product: Credit card

They closed my account after i enrolled in credit protection. was unable to make payment due to hardship and they assured me that my account would not be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX XXXX, MN XXXX XXXX Placed a charge-off amount of {$5100.00} on my credit report. 
This debt was waived. File # XXXX confirmation is dated XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, This is my third written attempt to remove these inaccurate address and employments from my credit report. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.. 

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

In accordance of the fair credit reporting act XXXX account number : XXXX account name : XXXXXXXX XXXX XXXX XXXXXXXX account number : XXXX account name : us dept of education account number : XXXX account name : 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 602 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

as previously stated I am a victim of identity theft
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 i got an Email from XXXX that my Account is blocked due a violation of Terms of Service. I don't know what I made wrong but i accept their decision of Account closure. 

My Account is blocked now since XX/XX/XXXX and since then i try to get in contact with the support to verify my Bank Account do withdraw the Rest of my -Funds from my Account that the Account closure can be finished. 

The Problem is, that the Coinbase Support Team only sends standard answers like " We will look with expert and try to solve the problem ... '' After the standard answers there come no advises or help from their side. 

I accept the decision of closing my Account and only want to withdraw my funds on my Account to follow up with the Account closing. 

When i login to Coinbase i only have Access to one Page where i can fill in a Bitcoin oder ETH adress to send coins to. ( Have no BTC or ETH on my Account ) Next Option is to choose bank Account to withdraw the funds, but i can choose no bank Account because i cashed in by Creditcard. 

Please help me to find a solution with Coinbase to get the Rest of my Money and that my Account can be closed afterwards. 


Since XX/XX/2017 i only get the same standard answers or no answers! 
They sometimes sent me some links with a how to deposit and so on. 
But when i try to open this links i always get referred to the site " Account is in closure progress '' and only have the chance to choose where to send my funds. 

My only problem is that i cant choose a verified bank Account, and i get no answer how to verify. I only need a way to get my money back, doesn't matter for me if with verification or another way. 

Hope u can help me to finish this Best regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

The attached credit inquires were not authorized by myself for any permissible purpose or other reason. i would like to have these unauthorized inquires removed from all XXXX of my credit reports immediately. 

a LIST OF ALL INQUIRIES UNAUTHORIZED BY MYSELF, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

During XX/XX/2022, Apple Card offered a 5 % Cash Back promotion for a new card holder on their first purchase from Apple. I signed up for a new account on approximately XX/XX/XXXX and ordered a XXXX '' XXXX XXXX on XX/XX/XXXX. Due to shipping delays, the laptop was not expected to ship until XXXX XXXX. During that time, I used the card with the anticipation of paying off the full balance when the laptop charge hit so that I could have the full available balance for the charge. 

On XX/XX/XXXX, I got the alert that the laptop charge was attempted and did not clear due to insufficient available credit. I paid off the balance in full that day, but Goldman Sachs/Apple Card held my payment for 10 days. During those 10 days I called and texted daily both Apple and Goldman Sachs to try and resolve the situation. Per Apple, my laptop order would cancel on the XXXX, and per Goldman Sachs, my payment would not post until the XXXX. Goldman Sachs attempted to expedite the payment daily but " The System '' Would not let them since it was a new account, and no supervisor I talked to could do anything. On XX/XX/XXXX at around noon, my laptop order canceled, and 12 hours later around midnight on the XXXX the Goldman Sachs payment finally posted and I had the full available line of credit. 

I ordered another laptop and asked if I could get the 5 % cash back offer on the new purchase and was denied since it was outside of the offer window. I tried to explain that this felt like a bait and switch tactic since I was not the reason the payment was held, and that I did everything I could to make the offer happen. I was denied multiple times, and various cases were " sent up '' to departments with no follow up. The times someone did try to get back to me, they redirected me to front line support who could not do what I was requesting, or simply put in more cases that were never followed up with. Throughout the process of trying to get the payment expedited and trying to get the 5 % cash back. I was told multiple times that if I had first put the money in the Goldman Sachs Apple Cash account, that the credit card payment would have posted instantly which also feels rather dirty and scammy.
Product: Checking or savings account

Someone opened a bank account in my name and withdrew XXXX dollars The bank name is Citi Bank the Routing Number is XXXX and the Account number is XXXX I'm not sure how they done it unless they have a ID or drivers license in my name i tried to call the bank but could not access the account it is Fraud!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are XXXX Experian and XXXX XXXX. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX Experian and XXXX XXXX all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over 100 points. 

SEE ATTACHMENTS
Product: Mortgage

When using the Carrington Mortgage website to pay your mortgage payments, I pay the amount that 's showing as due. Then the following month, they send you a notice advising that you owed a late fee that should have also been paid.