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

Pursuant to the Fair Credit Reporting 15 USC 1681 states the following : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The information shared without consent about student loans is not lawful. It is my right to privacy as a consumer pursuant to 15 USC 6801 which states : It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers non public information. I am the consumer. The Family Educational Rights and Privacy act ( 5 USC 552a ) is a federal law put in place in 1974 to PROTECT THE PRIVACY OF STUDENT EDUCATION RECORDS wether public or private schools. 20 USC 1232g ( b ). 
XXXX XXXX XXXX and US DEPT OF EDUCATION is to be removed immediately from all consumer reporting agencies. 
The term record means any item, collection or grouping of information about an individual that is maintained by an agency, including but not limited to, his EDUCATION, FINANCIAL TRANSACTIONS, MEDICAL HISTORY, criminal or employment history and that contains his name or identifying number, etc.
Product: Money transfer, virtual currency, or money service

XXXX of XXXX  I found out a business had been started in my name without my knowledge of consent. This began my identity theft. In XXXX a business loan was shoved down my throat where the lenders XXXX  XXXX  obtained my username and password to my XXXX  XXXX  acct. i am mentally XXXX and on XXXX XXXX  XXXX  and in no mental state to make any financial decisions on my own. I dont even remember agreeing to anything honestly. {$5000.00} was put into my XXXX  acct and then quickly removed. I attempted to call them to see what had happened and received no response. The next day my bank acct was closed due to suspected fraud and multiple ip sign ins from not only me but from New York and XXXX. In XX/XX/2021 I went to send money from my Cash App just to be told I had no funds available in my acct. this was inaccurate because I had over {$500.00} in there. When I contacted Cash app I was told that a XXXX  XXXX had been put against my acct to collect BUSINESS RECEIVABLES despite the fact that this is a PERSONAL ACCT that collects no business receivables because I had no business. I was told to contact XXXX XXXX XXXX  which I did and they demanded copies of all bank statements and that I pay {$14000.00}. I advised them that I saw none of this money and that I am XXXX and own no business. I have made dozens of attempts to get my money out of the XXXX XXXX XXXX XXXX totaling {$540.00} but they refuse to acknowledge me and tell me they are escalating the case and that Id get a response via email. However, when they do respond I get the same exact email everytime and when I respond to the case XXXX MINUTES LATER, they send another email saying that since I havent responded in 3 days they are closing the case. This has happened over XXXX dozen times in the last year. In addition, XXXX months ago cash app notified me that they were closing my accts due to illegal gambling. I havent been able to move a XXXX in my accts in OVER A YEAR! They also gave me the option to cash out my money but when I try to do that it says this cash out has failed and now they locked my accts. Ive just recently tried again to contact them and Im still getting the run around. It has been 13 months of this now. They still will not release my money to me.
Product: Checking or savings account

-Received a call from Capital One about suspicious activities from my account related to XXXX XXXX. 
- I explained to the agent that those are transactions are from friends and family. 
- Agent asked that I provide a contact number for one of the people that sent me money via XXXX, and I replied that I can not do that for obvious privacy reasons. 
-Spoke with a supervisor and stated the same thing. 
XXXX informed me that the banking relationship will have to end which I said I am ok with. 
-Asked the supervisor when I can get access to my account to transfer my funds and she stated that she does not have a timeframe. 
-It is unacceptable that the bank can hold my funds and not tell me when I can have access to them. 
-While I understand the purpose of the verification, It is not my responsibility to provide other people information to the bank just like the bank will not give me other people contact info if I call them and ask. 
-It is unconscionable for the bank to freeze my funds when no fraud has been reported on it. 
-What am I supposed to do in the meantime. Put my life on hold when I can't access my funds for my daily expenses? 
-Access to my funds is needed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Hotel and travel ) XX/XX/2022 XXXX ( Bank ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Auto ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 Experian same as others
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights, Account # XXXX XXXX XXXX  XXXX has violated my rights, Account # XXXX XXXX, has violated my rights, Account # XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX, has violated my rights, Account # XXXXXXXX XXXX XXXX XXXX has violated my rights, Account # XXXX XXXX XXXX  has violated my rights, Account # XXXXXXXX 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 card or prepaid card

I opened my best buy credit card back in early XX/XX/XXXX. When opening my credit card, they asked me if i would like to sign up for their " debt protection '' program which I denied. About 2 months into making my first purchase, I realized that I was paying for this " debt protection '' and immediately called the credit card company to remove the fees I was currently being charged. At the time I was a college student and I was hardly making enough to live by, so getting charged {$12.00} a month for a service that I didnt need to use was ridiculous. After calling and speaking to a representative, the rep. said that they are taking my concerns and issues seriously and that they would send me a letter saying whether this was approved for a refund. I never got a refund or a letter. However, I did check my account and I was not getting charged for it anymore till ... XX/XX/XXXX. I had made another purchase only to realize a few years later I had been paying for the " debt protection '' service which I had declined TWICE. I remember even telling the cashier that I will be declining their " debt protection '' service because its insanely expensive and pointless to me. It was about 2-3 years later when I noticed the charges due to my credit card amount not equaling what was calculated. Once again, I called the CC company complaining and they again responded with the same statement " you will get a letter or a refund in the mail ''. NEVER did I see anything in the mail. I was XXXX. I had been a loyal customer to best buy forever and now this is the type of fradualent activities I have to deal with? I paid over {$400.00} in debt protection fees for a job I would never lose since it was family owned. This is ridiculous. The fact that I had also called them multiple times and nothing got handled ... is insane. Something has got to give. I come from a huge family but after tellihng my story none of my family members shop at best buy no more for the fear of the debt protection fraudulent charges by the bank. Something about this needs to be resolved because another lawsuit wouldnt sound too good.
Product: Credit reporting

This summer, I tried to get the free copies of my credit report from the XXXX agencies. I have to report that it was very difficult. I was only able to get XXXX ( XXXX ) ; I had to pay for XXXX ( i.e., sign up for a {$1.00} trial at XXXX ), and I was never able to get Trans Union report. The free website would lock up, it was very difficult to use, and the whole process took hours.
Product: Mortgage

I have my taxes escrowed through Mr. Cooper. I received a notice in XX/XX/XXXX that my XXXX School District tax was not paid, which was {$3700.00} but had a late fee added so it {$3800.00}. I called their customer service line and was asked to fax the notice and I did that on XX/XX/XXXX. I also explained that XXXX SD uses a tax collector which is on the notice and they must send the payment there. I made a follow up call to them on XX/XX/XXXX and they informed me that the taxes had been paid and corrected. 

I received another certified letter, dated XX/XX/XXXX, from a debt collection agency called XXXX XXXX XXXX stating that my XXXX School district taxes were not paid. I called Mr. Cooper 's customer service number again on XX/XX/XXXX and was transferred to a supervisor this time. She asked me to email her the notice and said she would handle it and that they would be responsible for the delinquency fee. I explained that the payment must now go to the debt collector, XXXX XXXX XXXX, which is detailed in the certified letter. As of today, XX/XX/XXXX, XXXX XXXX XXXX is stating that they have not been paid yet. Mr. Cooper, however, did deduct a second payment out of my escrow which includes the delinquency fee. When I spoke with the same Supervisor today she stated that they could not see where the money actually went. Their system does not allow them to access that and that I would only get my previous dollars which were deducted from escrow back if they can get the erroneous payment returned to them. They still do not even know where they sent the money. 

I now have two deductions from my escrow account and they can not explain where either dollar amount went. One is for {$3700.00} on XX/XX/XXXX and the other is on XX/XX/XXXX for {$3800.00} and my escrow balance is reading {$0.00}. 

I believe that they should have called all of the tax entities involved with my escrow or requested the documents form me and made sure the appropriate places were paid. Once they received notice of their error, they should have corrected it out of their own pocket and not out of my escrow account. 

I receive another notice, dated XX/XX/XXXX, that my tax to XXXX County was not paid in XXXX. The original amount was XXXX and it is now XXXX due to a late fee. This notice was particularly concerning to me because it states that if the tax is not paid by XX/XX/XXXX they can place my house for an upset sale to collect their money. informed the Customer Service Supervisor of this when I talked with her today. She asked me to email it to her and I just sent it to her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported an alleged Capital one credit card account to credit reporting bureau for investigation. After the merchant, Capital One bank, erroneously reported 34 charge-offs On one credit card, Merchant refused to provide any 1099C as required by law and refused Validate said debt pursuant to the FDCPA. 
The merchant, Capital One bank has already received a tax credit for the full Charge off amount which then is supposed to be filed on my taxes as consumer income after being charged off. Said merchant refused to provide 1099C and the credit reporting bureau did not properly investigate this issue. The credit reporting bureau continues to illegally report late payments and credit utilization on my consumer report. The Capital one account the credit bureau is reporting is in violation of 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) which states that my " consumer report should not include Transactions or Experiences between the consumer and Person making report. Transactions subject to the foregoing include the line of credit extended to consumer by corporations and how it is used. This is being reported on my report by said credit bureau as " Payment history '' Experiences subject to the foregoing include the amount of credit being used by consumer. This is being reported on my credit report as " Credit utilization ''. Further, the credit reporting bureau continues to report late payments allegedly pursuant to my student loans on closed accounts.

All of the foregoing violations are subject to 15 USC 1692 ( k ) and said violations are preventing me from getting credit and approved for financing. The Credit Reporting Bureau is damaging my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a loan with XXXX XXXX XXXX in XXXX  XXXX IL months ago. I refinanced the same loan XXXX different times afterwards, adding a small amount to the loan. Then XXXX was bought out by XXXX XXXX. Then this past week when I went to apply for a mortgage with a bank I found out these refinanced loans were not updated on my credit reports so still show open, so it looks like I have several loans open!! I went into XXXX/XXXX in XXXX XXXX and they said there is some kind of glitch in their system after they got bought out and several accounts did not get updated on credit reports. So I asked for my paperwork on all of the loans showing they had been refinanced as I did not received them when I refinanced. I do already have the paperwork on the current loan, which is all of the refinanced loans put together into one and it is now under their new owners name XXXX XXXX. I then asked them to call their corporate office to update all on all of my credit reports, but they said the home office said all customers have to contact the credit reporting agencies and file a dispute and then they will have to update from that. Please contact them and have them update all of my accounts with them including all loans with XXXX   and all loans with XXXX as all were made and refinanced at the same establishment within a few months of each other and they still own the same establishment, with all of the credit bureaus and then have them send me a corrected copy of all of my credit reports from all three credit reporting agencies. I have tried to go online to file a dispute, but the system locks up and would not allow me in, so I would like for you to contact all of them for me. XXXX, Equifax, XXXX and XXXX. I have attached documents showing all were refinanced and only one loan is still open which is my current loan with them, the others should clearly state refinanced and closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX xxxxxxxxxxxx XXXX is reporting some credit card account with an open date of XX/XX/2003 with a. balance of {$7000.00} there is no account status, and no date of first delinquency therefore it will not be flagged to drop off of my credit report. I have disputed this erroneous information numerous times and the creditor consistently verifies and confirms this account with no explanation. They failed to provide me with proof of the debt throughout many disputes. This is not my account.
Product: Debt collection

I received a notification that a medical debt was sent to collections. I have not received a single letter or phone call regarding this debt therefore I can not verify that the information surrounding this collection is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts ; XXXX XXXX ( Date XXXX XX/XX/XXXX, Credit Limit {$1500.00} ) , XXXX XXXX ( Date Opened XX/XX/XXXX, Credit Limit {$500.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$800.00} XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Opened XX/XX/XXXX, Credit Limit {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Original Balance {$15000.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Credit Limit {$1000.00} ), XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX, Original Balance {$2000.00} ), XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX, Credit Limit {$500.00} XXXX XXXX Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Vehicle loan or lease

Hello, I am disputing this because it is wrong for them to put this on my credit report when I'm still paying them. How can they put this at the middle of the purchase of the car payments when I'm still paying on it? Not to mention this car has been a awful investment. I purchased this car because the car I wanted was undergoing work it needed. So this car was a loaner and wrecked at that. So, I needed a car really bad so I got it with the XXXX down-payment I may add. 3 months into the car the motor blew out on me. So there was another XXXX no warranty on car may I add. And now I can't even get to pass smog because of a Gas leak on the underneath of the car.And this company has got alot of nerve to put this on my record of late payments. XXXX XXXX XXXXXXXX XXXX XXXX they get their payments. So they got no rite to put this on my credit report. This car is almost paid off. But they should be getting sued for the lemon law. They want to ruin my credit that I don't really have and trying my hardest to build. Could you please look further into this. It's not fair for these people to have the rite to put false information on me.
Product: Credit card

I am writing to dispute a credit inquiry that was made by best buy. Best buy applied a credit run for me to open a credit card at their store. I did not consent or give permission for a credit inquiry. The credit inquiry is in error because I went to the store to purchase a laptop and I was asked by the cashier if I wanted to apply for credit card and I stated I did not want to and proceed to pay with debit. Attached with this letter is a copy of the receipt of the laptop I purchased with my debit card. I went to Best Buy multiple times and they were not very helpful they did not want to help me with a letter. They provided a letter finally but it only states that it could have been identity fraud.

I am requesting that the error be corrected, that any credit impact related to the disputed credit inquiry be fixed on my account so that it doesnt affect my credit score which I have worked hard to obtain. 
Enclosed are copies of receipt for my purchase on that day and the letter from best buy supporting that I did not run my credit inquiry. Please help correct the error on my account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ocwen Loan Servicing LLC After falling behind on my mortgage payments, I requested a modification of my loan. After  2 attempts, I was approved for a modification. The company asked for three months of trial payments before approving the modification. I requested 3 times to see the terms, in writing, of this proposed modification but was told that this information is not available. My lastest conversation was with a " relationship manager ''  today  XXXX   XXXX ,  2017 . I was told that I could not speak to anyone in Underwriting, could not receive the terms of my proposed modification and that the relationship managers did not have access to any of this information.
Product: Credit reporting

There is a eviction notice in my record. I am placing a compliant about misinformation on my record that the eviction should have been removed. I have attached documents on the case where the records indicate that the case has been dismissed and should have never been in my record. Please contact me as soon as possible. I 'm in the middle of relocating to a new home however this issue is with holding me from proceeding.
Product: Checking or savings account

They illegally holding my funds hostage. Refuse to withdrawl my savings. All funds were cashier check deposits. Guaranteed funds easy to verify. Lies after lies. Very incompetent bank. Holding my funds hostage for months. Now I they lose my funds and I have to sign something in regards to unclaimed funds. Never filed a dispute and they mailed me that. Account closed now and now pulling teeth to get the closure check. They basically bearing interest on my SAVINGS
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated