23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I am trying to close a safe deposit box and saving account and the bank is completely unresponsive. We emptied the box on XXXX XXXX, but did not have both keys with us. We do not live in the same state as the safe desposit box. I mailed the keys to the bank on XXXX XXXX explaining that we wanted to close the safe deposit box, gave my cell phone number and my husband 's number. They did not respond. I contacted their online help system and exchanged emails. They were able to confirm that the keys were received, but that the box was still on my account. They gave me a number to call which was just a recording saying they would respond within XXXX hours. They did not respond.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX and requested on XX/XX/2021 to remove the inaccurate information. I also consulted a credit repair company on my be hallf on XXXX. I spoke to XXXX XXXX multiple times during XXXX requesting to freeze report and stop reporting on XX/XX/2021. The account is still reporting and it is more than XXXX account that is inaccurate. I still haven't had any help with information removed or no longer reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. XXXX XXXX, XXXX XXXX are not my accurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are UNKNOWN to me. I never lived at these addresses : XXXX XXXX, Please block and remove this account from my credit report on my credit report which are UNKNOWN to me. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account, so please remove/block the disputed item as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please.

A copy of my Utility Bill, Drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never attended o XXXX University. I went to another school.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, XXXX XXXX showed a drop in my TransUnion credit score by 78 points, without explanation and indicating that there had been no changes on my credit report. 

I contacted XXXX and was told that I would need to speak with TransUnion, so I called TransUnion. 

The representative from TransUnion would not give me an explanation for the drop in my score, would not confirm whether the information presented on XXXX is correct, and suggested that they would give me my score for a fee of {$9.00}, or I could go to a bank and speak with a financial advisor who, for a fee, could pull my credit score ( resulting in a hard inquiry and the loss of another 7 points of my score ). 

There MUST be a way that a credit reporting agency, who develops the scoring procedure, does the scoring, and reports the scoring, can explain why their own score for me has dropped so drastically. 

Their ability to arbitrarily drop scores without an explanation is extremely harmful to consumers, and has stopped me from being able to purchase a new car.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I fully paid off my XXXX Credit Card account, and the payment posted at XXXX AM that same day. Although the account currently shows a {$0.00} balance, it is still being reported to all three credit bureaus as charged off. This reporting is incorrect, and I have not received a 1099-C, which XXXX would be required to issue if the account had indeed been charged off. 

Attached is a screenshot of the current XXXX Account status. It shows that the account was paid in full and has a current balance if {$0.00}.
Product: Prepaid card

My payment to XXXX of {$20.00} on XX/XX/2024 was canceled. I've called my bank and they said that they have not received any return payments from cashapp because cash app has stopped the return payment. I've tried to find out where and why my money is stopped and have been repeatedly lied to and laughed at and hung up on by cash app customer service representatives. Specifically XXXX and XXXX. I would like to submit complaints on both of them : XXXX and XXXX. 

I also would like to have my {$20.00} returned to my account. I also feel that because of the difficulties presented by all cash app customer service involved, that I should be compensated further for my troubles. This service is unacceptable and the fact that cash apps own agents have canceled my refund payment is a distinct violation of the cash app terms of service. And the fact that no one can tell me what I did to have my payment canceled is another violation of the cashapp terms of service. The fact that I've been lied to for 3 days is another violation of cashapps policies. Why has my {$20.00} settled in cashapps accounts but not my own? I want my {$20.00} credited to my account today please. I've attached screenshots of supporting information on this transaction from my debit card statements and cashapps application stating that the money has settled but not in either of my accounts. 

On Thu, XXXX XXXX, 2024, XXXX XXXX  Cash Support XXXX wrote : Hi XXXX, I understand your concern and appreciate you letting us know, I've logged this complaint for review. For reference, your case number is XXXX. I apologize for the inconvenience and would like the opportunity to assist you further. 

If I don't hear back from you regarding this matter, I'll assume you're satisfied with the response. 

Regards, XXXX XXXX. 

Cash app support ref :! XXXX.! XXXX : ref
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the erroneous information currently reflected in my credit report. This account has been consistently reporting inaccurate information which is adversely affecting my creditworthiness. 

These discrepancies are not only incorrect but are causing significant damage to my credit profile, leading to unfavorable financial consequences. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccuracies in my credit report and expect a comprehensive and timely investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX listed an account on my credit that is not mine. I do not own this vehicle never owned this vehicle I have no affiliation with this vehicle. On numerous occasions between XXXX-to present day I have informed them of this mistake and repeatedly they ignored me and furnished no proof of me acquiring this debt.
Product: Student loan

Originally my student loan was handled by XXXX XXXX. It has been handled by Navient most recently. I have been paying on my loan for 14 years and I have noticed that the amount I still owed on my loan has been going up. I went from owing {$88000.00} to now owing over {$90000.00}. I have also just realized that my payment is paying the interest on the loan and almost nothing is being paid to the principal of the loan at all. I feel like after 14 years I should have paid some of the balance. My payment has been between $ 500-700 a month for the past 14 years. It is very distressing to learn I now owe more than I originally borrowed. I have tried to talk to them and keep getting a story of why this is and at this point I feel like I will never pay off my loan. I am in my XXXX 's now and I did not anticipate I would still be paying so much. I have no idea where to turn to for help and if it is even legal for them to do this.
Product: Prepaid card

I redeem my USBank credit card reward points and received a {$25.00} pre-paid debit card, the card expiration date is XXXX. But in whole XXXX I had been trying to activate the card and never have luck, either online or via the phone. I tried to called up USBank but either couldn't get a support agent or no one could help.
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 Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account : # 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 an account with out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish ant 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: Debt collection

I filed a complaint with on XXXX XX/XX/year> and the company claimed they did not know what number was called even though it was written in the above mentioned complaint. I received yet ANOTHER call from Portfolio Recovery on XXXX XX/XX/year>XXXX XXXX XXXX XXXX to the same number : ( XXXX ) XXXX. 

I DO NOT have an account with Portfolio Recovery so I do not have an account number to provide. 

I have filed two other complaints against this company with no resolution and I am continuing to be harassed by them in the form of repeated calls. 

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

I applied for a credit line increase or loan to pay down an existing credit line at a lower interest rate on XX/XX/2020 and was denied both because in my XXXX credit report, Navient had reported the periods of pandemic relief as delinquency. I contacted my XXXX XXXX account services by phone and was told this was the reason I wasnt approved. The person I spoke to was ignorant about pandemic relief for student loans through President Trumps Executive Order. I told them that adversely impacting credit scores during the pandemic was wrong. 

Navient has a history of wrong doing and has continued to harass people with student loans during the pandemic. Navient was sued by CA, Washington and Illinois for pilfering and bamboozling XXXX XXXX dollars on excessive interest fees and late charges from people with student loans. Ive been getting harassing phone calls since mid XXXX from them because they dont recognize Trumps executive order as lawful. I cant change what Navient reports to XXXX through XXXX and have complained to XXXX through customer surveys after requesting my credit report from them. Ive received text SMS messages from non listed phone numbers that are telling me my credit has been approved or increased after complaining to XXXX ( an illegitimate attempt to imply my credit report has been fixed ). Navient is approved by the IRS as a fiduciary but I dont believe theyre acting like one. Theyre acting more like a predatory lender of student loans and now its impacting my credit report/score so I cant have more of a financial cushion during the pandemic. How can I fix this issue when the people who have the reports, like XXXX, wont recognize the lender as a non fiduciary impacting peoples credit scores? My own bank says that they dont have anyone that can override XXXX reports on the decision to increase credit or give a low interest loan to pay off credit. I think this is totally unfair, illegal on Navients part and detrimental to peoples financial well being during difficult financial times.
Product: Checking or savings account

Hello, I have an account with Bank of America. They are charging me a monthly service fee of {$12.00}. In order to waive their fees, you must have {$250.00} in direct deposits coming into the account on a monthly basis. I get paid twice a month on the XXXX and XXXX and at which point I deposit {$120.00} per paycheck to Bank of America. This totals {$250.00} a month. They have been charging {$120.00} in monthly service fees. The only reason I have this account is because of the fourteen year old account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I sent a request for the method of verification to Equifax via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the State Collections I requested 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. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Crefit Reporting Act XXXX the accounts listed below 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. 

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 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 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

I have talked to Equifax, XXXX, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home for me and my family. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. I appreciate your assistance in this matter. Thank you.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( CREDITOR NAME ) never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

In a previous purchase dispute and subsequent complaint against PayPal, PayPal stated that I was at fault because I had not 'escalated ' the issue. I looked back at the emails I received from PayPal and realized that a lot of confusion is mostly likely created on purpose. First, I was dealing with 'Office of Executire Escalations ' and my agents title states, 'PayPal Executive Escalations '. I think common sense would dictate that the issue had been escalated. Now I want to be clear, this complaint is ONLY about their 'escalation ' requirement, processes, and communications ' as I believe it is all very intentional to not be clear about this process. In an email dated XXXX which was the warning that case would be closed they state that, 'if you escalate ... ' but yet I believed that it's already 'escalated ' based on what I already stated, it does not state that it is not escalated or how to escalate the matter. Also, why when you file a dispute is there this step to then 'escalate '???? That's the big question and again, it's to create more hurdles for consumers, to create confusion... This matter was very straightforward and in the end PayPal tried to make it appear they took high road and returned the money but the money should have been returned, I returned the product, I sent PayPal tracking info... all I didn't do due to the confusion and extra hoops was their whole escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed that XXXX  was reporting a credit inquiry on XX/XX/2021 from First Citizens Bank, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I did not recall ever making a credit application with this financial institution. I contacted this bank and was advised that there were no open accounts under my name and social security number. And was advised to dispute the inquiry with XXXX. I did so and XXXX  completed their investigation on XX/XX/2021. They advised me that a credit inquiry was made by First Citizens Bank on the date mentioned. However, neither First Citizens Bank nor XXXX  could provide specific information on how this inquiry was accessed nor on who made it. Their solution ( which is not acceptable to me ), was to simply place a disclaimer on my credit report indicating that I did not a credit application. This is not acceptable to me, because this inquiry will remain on my credit report for two years and no information has been provided to me as to whom made this inquiry and how it was entered into the First Citizens Bank system. One would suppose that whomever made this inquiry into my credit report would have had to access the system using some form of protocol.
Product: Debt collection

PROFESSIONAL CREDIT SERVICES SEND ME A COLLECTION LETTER FOR XXXX. THEY ARE VIOLATING THE FDCPA BY ATTEMPTING TO COLLECT A DEBT CHARGING ME TWO INTEREST RATES. {$.00} CENTS AND {$16.00}. AND THEY HAVE FAILED TO REGISTER AS A THIRD PARTY DEBT COLLECTOR WITH THE TEXAS SECRETARY OF STATE. LIKE I TOLD THEM, I DON'T OWE ANY MONEY FOR A PRE-PAID PHONE SERVICE. COME ON MAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXXXXXX 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: Debt collection

I have numerous medical bills that goes against hipaa laws I will list the accounts below along with my social security number : Account resolution Corpo Social security number : XXXX
Product: Debt collection

I went to XXXX XXXX back in 2015 and I took classes there for my XXXX XXXX XXXX and I received XXXX grants and scholarships. I never received any information or documents stating that I own {$21000.00} to them. I have statements that state that I currently owe XXXX to them. I would like Transworld Inc to cease and desist all contact methods.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00}