23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in XXXX data breach and requested that multiple inquiries be removed from my account. XXXX placed a statement on my account within 24 hours and stated the investigation was completed and all inquiries belong to me. There is no way they investigated XXXX inquiries in less than a day. according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed. I was unable to speak with anyone regarding my dispute because of the security freeze on my profile. Despite providing the correct information, I could not access anything online or via telephone.
Product: Student loan

There are 4 payments that are counted as " ineligible '' from FEDLOAN towards my loan forgiveness program. It was during the grace period/forbearance period at the beginning of medical residency. I believe these should count.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX XXXX, the company is decietful in their approach, I used it on XXXX to purchase flights, it said split in XXXX payments, 0 % ... XXXX never said i was applying for a credit card. In XX/XX/XXXX, i received notification, i opened a new account on my Credit Report for {$200.00} with affirm, no I didn't apply for a account at all, i thought it was only a offer to pay on XXXX. I called XXXX and ask them to remove this account from my credit report, they said no, it was a loan, it didn't get permission from me to open an accout, i only agreed to split payment in XXXX at 0 % ..false and misleading.
Product: Mortgage

In XXXX I paid my mortgage to Mr. Cooper ( mortgage company ) for XX/XX/XXXX. On the XXXX I was checking with them because I noticed it was still in my credit union and they said it had not yet received it on the telephone with this young lady I have made the transaction to give her the mortgage I noticed on my bank statement on XX/XX/XXXX my bank pay the mortgage from the check that I sent on the XXXX. So I called them back and I talked to the young lady she said that she would have my money refunded and she called my credit union and we were on three way with my credit union I gave her my routing number my bank number and everything like that she said I should receive it back at the bank within 24 to 48 hours never received it today I call I talked to a gentleman he keeps me on the phone for over an hour I'm holding and waiting all this time he's checking the information out that I'm giving him I even found out on the automated greeting when I first call that I was up to date because my XXXX mortgage was also paid so they had three mortgages and I don't have money I had to pay bank cards for checks that bounced and everything over {$100.00} I need my {$1000.00} back after all that time I stayed on the phone with that gentleman he comes back and tells me that they have the electronic transaction that I made with the young lady on the XXXX they had the money paid for the check XXXX check number they have the mortgage that came in on the XXXX for XXXX, but in order for them to refund me my money for one month I need to send them my bank statements and a canceled check for the XXXX check number when I told that man after all this time I waited on this phone that's just too much there's got to be a better way while I was waiting for that man on that phone I was crying because I had a feeling that it wasn't going to work out for me and I'm going to see what I can do if it's writing the XXXX XXXX XXXX and Consumer Financial Protection Bureau.
Product: Checking or savings account

I open a money market account and a CD with us bank then I deposited a check on XX/XX/year> {$4000.00} that was from my CD account from another bank account.then the usbank branch manager put hold on the deposit 10 days then after 10days she close my account and she said that i will receive a cashier check from the deposit I made i called several times to get status of the check After a month i received the cashier check and deposited to my XXXX XXXX XXXXXXXX business account from there XXXX put 7days hold on the cashier check that I received from usbank. Around XX/XX/year> out of knower I cant get access on my XXXX business account and I contacted the customer service and they told me the check was fraudulent and my business account is on process to close because of the check I deposited. Then I called the us bank i was transferred from several department no one can give any information about the cashier check I have called them several days on XX/XX/year> I finally got a call from usbank told me to call the number they have provided on the voicemail which is fraud department and they told me first the cashier check was from back office and its was a error they said. Then I ask where is my money they told me that I dont have any money because the check I deposited to usbank was fraud that was false information. I have documentation of my CD and I have initial transfer date to us bank. Then the fraud department from us bank told me to bring my documents to the usbank branch and speak to the manager so I did went the next day with all my documents when I got to the branch I ask for the manager and as soon as The manager see me she said why they keep sending me to her and she doesnt know what to do ether she told me theres nothing she can do about my situation and I give all my documents to her and she read all the documents and told me to call back the fraud department if where do they want me to send my documents so I did call the department several times and they keep telling me that I have to go to the branch and ask the manager because only the branch manager can assist me with my issue. I contacted fraud department multiple times asking for my money one agent told me they canceled cashier check because of my deposit then they put a stop payment on the cashier check then i called them back again ask about the other agent told me that the check i deposited to usbank is fraud. They told me they have the money but they have to put it on hold and there was no date when they can release my money.. until now I havent received my funds yet and XXXX XXXX XXXXXXXX close my account and they said they will send me a check as well from my business account. I have no idea whats is the next step and I dont know what to do about this bank I cant afford to lose my business account please help me to get my money and my business account back to the normal like before.

..I can go more with this
Product: Debt collection

The Eaton Group LLC in XXXX XXXX has recently sent a garnishment to my employer. The garnishment is for an XXXX store card in which I never had or applied for. Now i have contacted all 3 Credit agencies and this store card was no where to be found on my credit report. I also contacted XXXX XXXX which owns the XXXX XXXX card and reported this as fraudulent. The Eaton Group LLC has not had good standings with the XXXX  and most of the bad complaints are like mine in that the Eaton Group LLC is persecuting people for debts not really owed. 

XXXX XXXX  did tell me the card was taken out in my name and is investigation th allegation, when i tried to receive help from the Eaton Group LLC it fell on deaf ears and they were extremely rude. Ponzi scheme if you ask me
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 XXXXXXXX Account XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Enhanced Recovery is reporting a Fraudulent XXXX account to my credit reports, this account was setup as a result of ID Theft and I have notified them of it and they continue to report the fraudulent info even after I requested they remove it under FCRA Section 605B and 623 ( a ) ( 6 ). I also gave them the case info for the lady that the Feds arrested that was selling all my info and fraudulent id documents as well! I am in the process of a home loan and if this remains it will stop me from getting a home and I will be forced to take civil action to get this removed right away!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, I have been attempting to have a collection item removed from Convergent Outsourcing that has been reporting on my credit report. 

I have never had an account with XXXX and I do not know why it continues to show up on my credit report. 

I have tried disputing this information with Convergent Outsourcing themselves and they first provided me with an unknown name and address on the account. They admitted that the only thing that matched on the account was the last XXXX of my social. 

Convergent refused to stop reporting this information to the bureaus, so I then reached out to XXXX ( Account # XXXX ) and XXXX ( Account # XXXX ) to dispute it with them. I explained to them that I have never had an account with XXXX and I asked them to provide proof that this debt was mine. 

Neither XXXX or XXXX ever provided me with proof, but they both came back and stated that it was verified. 

Because of this deliquent account on my credit reports, I have been denied for a home mortgage, and I also have incurred higher interest rates for other credit cards I have since applied for. 

When I called and tried XXXX last time to have this item removed from my credit report on XX/XX/2022, Convergent Outsourcing made me pay them {$210.00} and after I made the payment during the phone call, they blatantly told me that they refused to stop reporting the item to XXXX and XXXX - even though they had just forced me to pay {$210.00} for a debt that was never even mine. I have this phone call recorded and I am happy to provide a copy of the call and blatant violation upon request. 

Having this fraudelent item on my report has cost me thousands of dollars and so much heartache, and I demand that it be removed from XXXX and XXXX and I also demand {$1000.00} compensation for the FCRA violation that all three of these consumer reporting agencies made against me when they KNOWINGLY continued to report false and fraudulent information on my credit report ( and not providing a single piece of proof that this debt ever belonged to me ). 

According to 15 USC 1681, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 48 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report It has been over 48 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax date breach and may have gotten into the hands of the wrong person
Product: Checking or savings account

Set up 2 external bank transfers on XX/XX/XXXX through Marcus. 

1 ) {$500.00} to XXXX XXXXXXXX XXXX XXXX ) {$5000.00} to XXXX XXXX Marcus called me on XX/XX/XXXX to confirm transactions. I confirmed the transaction. Marcus then refused to process and restricted outgoing funds ( my money ) to 2 accounts they deemed acceptable. 

This is completely inexcusable. The bank needs to honor my fund requests when directed to do so. It's my money, not theirs.

I've also lost 2 days of interest as Marcus hasn't returned the funds to my account yet.
Product: Debt collection

One Main please provide me with correct validation of this account XXXX. I have attached a debt validation letter.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted a dispute to Equifax regarding an inaccurate XXXX XXXX XXXX account on my credit report. Equifax responded stating that it verified the account as belonging to me, but I have provided evidence showing that this account should not be reported. 

Additionally, Equifax acknowledged that the XXXX XXXX XXXX and XXXX XXXX XXXX accounts are no longer reporting, which further proves that the disputed XXXX XXXX XXXX account is inaccurate. Despite this, Equifax has failed to remove it, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( i ) ( failure to conduct a reasonable reinvestigation ) and 15 USC 1681 ( o ) ( negligent noncompliance ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human b

eing, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

my father opened a credit card with Capital one bank back in 2018 with my name and he missed two payments I've spoke to capital one bank and explained what happened and I requested to be removed of the system. the card still show on my credit report and it has negative remarks on my credit score, customer service told me that this card will be off my credit report with no negative remarks.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX. DISCOVER FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are furnishing information that they should not and they do not have consent to do for these alleged debts. I've asked them to validate date the debt and they have failed to. Their violation of my rights as a consumer fall under 18 USC 1028A-Aggravated Identity Theft. It states the following : ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

To add insult to injury, they have no permissible purpose pursuant to 15 USC 1681b - Permissible purposes of consumer reports- ( 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 written instructions? I did not.
Product: Credit reporting or other personal consumer reports

Credit bureau furnishings inaccurate information about XXXX account. I submitted a written request for reinvestigation. I requested they provide me with the notice of determination containing the reason and information required to investigate the disputed information. The business name, business address, and telephone number that was used in connection with this investigation. As well as a description of the procedure used to investigate IN WRITING via mail. Otherwise, they delete this misleading information, notify the furnisher, and update my credit report. I was denied the information I requested and instead they sent it to their dispute center online and the inaccuracies remained. It is my right as a consumer to have them properly investigate and provide me with the information I am requesting and I believe they are not abiding by the laws set forth to protect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act, XXXX XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX XXXX XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I have leased three XXXX XXXX for the last decade and I have never made a late payment in regards to this matter ( XXXX  can validate this information without issue ). For several years now XXXX XXXX XXXX website does not work or allow clients to login in, make payments, use their two step authentication in order to validate when they login or finally even change my password. I am filing this complaint for all XXXX XXXX owners in the world experiencing these same issues using there payment portal. I dont think its fair in this modern age that people need to expose there checking account numbers by mailing in checks to the po box . I think the CFPB needs to investigate this issue as a class action lawsuit is deserving in this situation due to the number of people being effected by there payment portals.
Product: Payday loan, title loan, personal loan, or advance loan

- Surreptitiously locking my account to prevent me from paying down my principal and making payments. 
- I called Lendumo to XXXX {$140.00} on my balance before XX/XX/XXXX, and the company declined - Arbitrarily adding {$30.00} more to my balance- I have used the same personal debit card to pay down my principal online on Lendumo, yet they keep making the same excuses that payment didn't go through or are in the queue for updates XX/XX/XXXX & XX/XX/XXXX. I suspect they do this just to rip me off. 
It beats my imagination that I want to pay off my loan balance, and it is increasingly difficult to do so because of how Lendumo conducts its business. Genuine people should not be allowed to face such business practices and barriers.
Product: Credit card or prepaid card

I had a transaction go into my account for my sons IRS tax return and XX/XX/XXXX. Nothing happened to the account and we were able to access my sons funds. 1 week later both my son and my stimulus checks were deposited into that same account. This flagged my account and there was a restriction put on the account. I contacted the company and was told to simply send in a copy of my sons state issued I.D and the block would be removed in 2 days. After waiting the 2 days I contacted them back for information on the restriction and was told that they have never received my info even though we have confirmation that it was successfully submitted. A day later I called again and a rep advised that the ID was received and reviewed and my funds would be released no later than today. I asked about the direct deposit of my employer and if that would then effect the account negatively and was told no it would not. I called this morning and was told that my issue was being escalated for the removal of the block on the card and that if funds were still blocked after an hour to call back. Still no removal of the block after waiting 5 hours. I called back and talked to another supervisor who explained that now a new flag was on the account because my direct deposit from my pay has now been placed on the account. It has been 8 days and I have not been able to access any of my money. I am in a situation that me and my family could be homeless if we do not get access to our money because I have to move out in a few days. We have no food and our water is now shut off because we cant access verifiable funds in my account. I have spent countless hours speaking to the reps for this company and none of them have been capable to help me. I have been hung up on several times, promises have been made and not followed up on, and escalations that were never handled. In the last 8 days now going on 9 I have talked to more than 15 reps that all are telling me to do different things and will not help me. No one is noting the account appropriately and taking initiative to resolve the problem and I was told that there is no one to call in their fraud department. They have no workflow in place to talk to someone handling fraud issues. They cant email, phone or message a higher department for issues like mine. When handling ones money there should always be someone to talk to at all times, and I was not given that option as they don't have a department that is in place to resolve my matter. I have never been so disrupted and depleted from a company that would handle customers this way or their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX in accordance with the Fair Credit Reporting act 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 a account without my written instructions Creditor Name : XXXX Account number : XXXX Creditor Name : XXXX  XXXX Account # : XXXX Creditor Name : XXXX XXXX XXXX  XXXX Account # XXXX