23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Could not utilize The Public Service Loan Forgiveness ( PSLF ) Program because I made to many loan payments and would need to restart my loan payments
Product: Checking or savings account

I opened an account with Citizens Access Bank on XX/XX/XXXX. On XX/XX/XXXX I made a deposit from my sons account in his name for {$800.00}. On XX/XX/XXXX I made two deposits for {$300.00} and {$2100.00} from an account in my name. Since XX/XX/XXXX Citizens Access bank has frozen all the funds in my account based on the {$800.00} deposit from the bank account in my son 's name. They have informed me the only way to resolve the situation is to add him to the account as a joint owner. The issue is they are unable to verify his identity and continue to freeze all the money in the account. My son recently turned XXXX so he has no credit history, but other banks were able to verify his identity and allowed him to open bank accounts in his name, but Citizens Access continues to deny due diligence to resolve this issue. They have frozen {$3200.00} since XX/XX/XXXX and today is XX/XX/XXXX. 

I have made multiple attempts to transfer the funds out electronically to accounts in his name and my name and citizens ' access continues to deny the transactions. I have made multiple phone calls on many dates to discuss the issue and since Citizens Access Bank continues to be unable to verify his identity and/or resolve this issue all of the funds continue to be frozen. All we need is to close this account and have our money returned to us Please help us get access to our money.
Product: Credit reporting or other personal consumer reports

Subject : Opt-Out Notice Pursuant to 15 UCC 6802 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian Dispute Department, I am writing to address my credit information and the resolution of a dispute with Experian credit bureau , specifically concerning my account with XXXX XXXX XXXX 
Despite the resolution of the dispute, there is no exception to my opt-out request in accordance with 15 UCC 6802.

I demand, unequivocally, that you immediately opt me out of information sharing pursuant to 15 UCC 6802. This is not merely a request, but a formal demand based on my rights under the mentioned statute. 
I appreciate your prompt attention to this matter and expect confirmation of my opt-out status within a reasonable timeframe. Please provide written documentation confirming the fulfillment of this demand at your earliest convenience. 
Account Information : Account Holder : XXXX XXXX XXXX Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I inquired with a Mortgage Company about being a First Time Home Buyer. I gave the Mortgage Analyst permission to access my credit report, which was accessed via Experian. The Mortgage Analyst reached out to me via email indicating that they are not sure why I have disputed on closed collection account and past due accounts that are over 6 years old. I replied back via email communication that I would never file disputes on closed accounts that ate charge off nor past due accounts and have filed complaints with the FTC regarding the illegal violations that I have been experiencing with past due Creditors. I am now filing another complaint against Experian. I recently disputed address disputes with Experian but has not disputed closed accounts nor a collection account that keeps appearing. I HAVE NOT DONE SUCH AT ALL! Experian is illegally violating my Right 's and this situation needs to be on the news media. Experian has intentionally filed disputes on my credit file with accounts that has been closed and charged off, this is very much illegal as I have not and never will dispute a closed charge off account in the amount of {$20000.00}. I also plan to contact the CEO of FTC. I am requesting for assistance please. The fraudulent disputes needs to be removed immediately, which is showing as disputed on XX/XX/XXXX XX/XX/XXXX. I never filed these disputes at all.
Product: Money transfer, virtual currency, or money service

I recently filed a complaint, number XXXX, against XXXX XXXX  regarding the return of funds that XXXX XXXX was holding after diverting money from a fraudulent account that I had wired {$23000.00} to. The transaction was stopped by XXXX XXXX  because they saw the funds were going into a fraudulent account. They want to give the money back but Wells Fargo Bank, my bank, the account that the funds came from, won't cooperate with the process that XXXX XXXX  wants to use. XXXX XXXX wants a Hold Harmless Letter from Wells Fargo to release the funds but Wells Fargo doesn't recognize a Hold Harmless Letter and offers no alternative to resolve the situation. XXXX XXXX  wants me to have the money, but Wells Fargo has made it impossible. XXXX XXXX  has closed their case because they have run out of options to come to a resolution. Wells Fargo won't work with them to return my {$23000.00}.
Product: Credit reporting 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 have disputed two accounts off my credit report. 

1. XXXX XXXXXXXX 2. Affirm INC XXXX These two accounts do not belong to me.
Product: Payday loan, title loan, or personal loan

I currently have a loan in collections that I never received the money for
Product: Debt collection

I received an alert today for all 3 of the reporting agencies today that a new negative account was added to my credit reports. I looked up the account it is Paramount Recovery Svcs. The same debt which originated from XXXX XXXX XXXX is on my credit report from XXXX and also Paramount Recovery Svcs at the same time.I was never notified of this debt because they know this debt can not be validated and it does not belong to me at all. I do not know why this debt is allowed to continually be added back to my credit reports and drop my score down for no apparent reason. I have deleted this same debt now for the 3rd time with XXXX and now Im having to dispute with Paramount for the same debt!
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX  XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX XXXX XXXX XXXX, and since then Ive been seeing a lot of unauthorized inquiries and accounts. 
Ive been in contact with police relating to the incident and filed an identity theft report with the XXXX FTC. 
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX : 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 XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX. 



15 U.S.C 1681a : States I have the right to privacy.

15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 

15 U.S.C 1681e section b : States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681o section a : States any person who is negligent in failing 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 any actual damages sustained by the consumer as a result of the failure. 

15 U.S.C 1681i Section a : States that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

I had a subscription to local newspaper, XXXX XXXX, for weekends only. When it expired they sent me an invoice to renew the subscription which I no longer wanted. I tried to call repeatedly, but was unable to speak to anyone. I did not pay, expecting them to discontinue service. I did not want to receive paper any longer. Instead of discontinuing paper delivery they continued to send the paper and have forwarded me to collections company, ARM Solutions. I tried calling the XXXX XXXX once again to no avail. 

On XX/XX/2020, I sent a letter to ARM and XXXX XXXX explaining the " MISUNDERSTANDING ''. Apparently the letter was ignored and they continue to send me letters. 

Is this legal? I feel they are trying to force me into paying for something I did not request or authorize.
Product: Debt collection

On XX/XX/XXXX XXXX Chase decided to close my XXXX open end credit cards without my consent or reasonable reason. 
Spoke to supervisors, managers, and lending office reps non can come up with any reasonable reason to close my account down. spoke to the many times which sometimes they'll put me on hold for more then 3hours with no results. 
under law 15 US Code 1602 ( D ) ( E ) ( F ) ( J ), Chase, ( corporation ) violated my rights., Note to all I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matter proceedings and I hereby claim that I will D/b/a and auto graph as the agent, attorney in fact, so be it ; Under 15 US code 1602 ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. 
Under penalty of perjury, I swear this account is misleading Only way you can close my account is if its fraud related or i close it down which i did not because i extended my credit to you so im the only one that can take it away by law. 
As a consumer by law these accounts where misleading and discriminating for closing account without my consent or knowledge. 
Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) Felt very XXXX  by the Cooperation and its representatives i've spoke to past few days. which violates again Equal CREDIT OPPORTUNITY Act, FCRA, and Truth In Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion illegally displays innacurrate employer on credit report. I do not work for XXXX XXXX, I work for XXXX
Product: Credit reporting or other personal consumer reports

The negative rating on my account is causing severe distress. Its impact on my credit is a major source of concern. This derogatory mark has already led to a loan rejection and increased interest rates on my existing credit accounts. The financial and emotional toll this is taking on me is substantial and will persist until resolved.
Product: Credit card

Discover Credit Card accepted my payment and then closed my account without my knowledge. Additionally, they failed to update my credit report correctly. 

Details : Payment Made : I made a payment of {$200.00} on XX/XX/year>, which was successfully processed. ( Attached is a screenshot of the transaction as proof. ) Account XXXX : Despite my payment, Discover closed my account without notifying me in advance. I only found out after the fact. 
Credit Report XXXX : Discover has not correctly updated my credit report to reflect the payment and account closure, which has negatively impacted my XXXX XXXX. 
Incorrect Credit Reporting : My credit report does not accurately reflect the payment or the correct status of my account. This reporting error has unfairly impacted my XXXX XXXX. 
Attempts to Resolve : I have contacted Discover for clarification and resolution, but they have not corrected the reporting issue or provided a valid explanation for the account closure.
Product: Debt collection

Midland Credit Management ( MCM ) has sent me a letter dated XX/XX/XXXX with wording suggesting legal action would be taken. Verbiage is Avoid Legal Action and Save and Avoid further legal action The debt they mention is from a default in XXXX ( or later, its no longer on my credit report ) The original debt amount was {$1300.00} after a default judgement ( I was never served properly and it should have been thrown out ). They are attempting to collect {$1700.00}. Not sure where the extra almost {$400.00} came from. 

If this was already a judgement, it cant be sent to the magistrate again in XXXX. 

They have also been calling me daily from spoofed phone numbers such as one from XXXX XXXX when called back, the response I get is thank you for calling the legal department at Midland Credit Management I dont believe spoofed numbers are legal in XXXX  either.
Product: Checking or savings account

I added my wife 's name to my account with GS Bank ( Account # XXXX ). The bank requested a new signature card, which my wife and I completed, and I returned. I then received an email saying that the card was not received. When I called, I was told that it was received, but that my social security number was incorrect. As far as I can tell, a zero with a slash through it was incorrectly read as a " XXXX '' rather than a " XXXX ''. The representative told me that a new signature card would be sent overnight on XX/XX/XXXX, and all that was required was my signature and another copy of my SSN.
That overnight letter was not mailed until XX/XX/XXXX, and received on XX/XX/XXXX. When I called and asked what happened, " XXXX '' told me that they made a mistake, and " that happens. '' He also told me that I would have to again travel and obtain my wife 's signature, and provide the other easily provided information. 

When I called again today, I was told that " everything is ok '' without any explanation. I do n't know what is needed, or why the delay/error occurred. The explanation that " errors just happen '' indicates to me that GS Bank has not resolved essential process aspects to their banking model. 

I would like a clear explanation of what is needed at this time, and how they want the SSN written or typed.
Product: Mortgage

I applied in XX/XX/XXXX and after fulfilling all the requirements the bank will not give a response, allowing the documents to expire and not able to provide a response, this has happen up to 3 times during XXXX and the involved agents will not give me an explanation why taking so long that papers have to expire 3 times. Financial statements, covid attestations, credit pull every time again and again, which also damages my credit score etc.. In XXXX when i was expecting an answer, they just send me an email stating there is a new agent and has to start process again. 
So finally now in XXXX i decide not to continue with Suntrust mortgage lender institution. 
My credit is good XXXX, own a house Is there a bank negligence? 
3 times, every financial statement requested to my accountant has an additional charge and pull credits reports XXXX XXXX XXXX  Re : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> XXXX was taken from my cash app. I submitted a dispute via chat because these wasnt a working customer service line, however I never received my money back. I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress
Product: Debt collection

XXXX XXXX XXXX has been trying to collect a debt that I do not owe. I recently checked my credit reports and it seems that it was a XXXX account that I had back XX/XX/XXXX. I had a prepaid account and did not have a contract with XXXX. I stopped using XXXX services XX/XX/XXXX. All phones and equipment was paid in full and cash Back XX/XX/XXXX. Now it shows that I have two accounts with XXXX one where I owe {$190.00} and the other states that I opened the account XX/XX/XXXX and owe {$780.00}. I do not owe any moneys to XXXX or XXXX XXXX XXXX for I never had any contracts and paid all my equipment in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the collection accounts with Equifax for several attempts, to no avail ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : XXXX XXXX ) XXXX****, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**,. They did not give me evidence or verification as to why they will not remove the  accounts. The error has affected my credit score tremendously.
Product: Bank account or service

There was an unauthorized use of my debit card on XXXX XXXX, 2015 @ XXXX. at XXXX located at XXXX XXXX XXXX, XXXX NY XXXX in the amount of {$41.00}, transaction ID XXXX. A second attempt was made for a larger amount, but was declined. My debit card was not lost or stolen so I canceled this card on XXXX XXXX. The only time I used my card on XX/XX/XXXX was at XXXX in the XXXX XXXX XXXX in XXXX, NY. I noticed the charge when I was checking my online account and I immediately contacted my bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  - XX/XX/XXXX This is completely inaccurate. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX - XX/XX/XXXX I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is not accurate. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize this. Please remove this inaccuracy from my report XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized, please remove it from my credit report XXXX XXXX XXXX  This inquiry was not authorized, please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is Transunion with deleting the information than adding it back on after sending in documents Under FCRA rules if you feel that it a result from identity theft or fraud you can have the information block from your file.Transunion has created a whole new credit file and number.I am asking that the information to be blocked from any credit report that is created by Transunion under FCRA rules.The enrollment form was never signed by me or sent to me for a signature.My identity was changed in the year of 2009 without my consent.I have no clue who is behind all of this disaster.I am uploading documents to help with this case
Product: Student loan

SoFi lending pulled my credit report and and offered me a refinancing option for my student loan. After weeks of back and forth they approved my refinance loan. Then out of nowhere after providing many and many document their loan officer withdrew my application without my consent. I called and asked to speak to their management team. I spoke to XXXX XXXX who seemed to try to help me. She ensured me that they will not be pulling my report twice. Still sofi pulled my credit report again within my consent or permission and after another round of weeks of asking for documents have denied my application. Their initial loan officer who withdrew my application without my consent was very discriminative towards me. She never responded to me when I asked. She made a comment about me having an accent and she withdrew my application without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : I have disputed multiple times with this company to validate a claim regarding XXXX XXXX XXXX XXXX. The dispute comes back the same each time despite the fact I have no account with this company, nor have I ever had an account or contract. They are claiming money for services never rendered, nor can they prove such services. 

Months after I moved out of XXXX XXXX, apparently their client, they tried to submit a claim stating I owed them money for Air Conditioning coils. It's absolutely absurd as I have nothing to do with their maintenance of the apartment. I disputed this and Experian will not properly validate this erroneous claim by XXXX XXXX XXXX XXXX. It was taken off my XXXX report but not Experian. This has adversely affected my ability to purchase a home.