23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had issues with this loan, which honestly my credit score at the time should have NEVER even been approved it was a shock to me and my spouse. I kept the loan in deferment as long as I could while waiting to see about the lawsuit with XXXX XXXX and also was talking with Great Lakes about my XXXX. My loan came up last fall and when I would call Great Lakes they would refer me to another number and the next thing I know I am getting 5 to 20 calls a day mostly recorded about student loan debt. Around mid XX/XX/XXXX I sent my first XXXX request via US mail as I did not have a computer. The phone calls got so bad that I really cant answer my phone for fear that most are scams. They look like cell phone numbers. My understanding was everything was kind of in limbo because of the hold up on the XXXX XXXX XXXX. and it could take even a year. I had checked the box to have collections stopped etc. In XXXX I receive notice that my XXXX checks are being garnished over {$200.00} a month, my credit score dropped, and we were getting ready to purchase a home using my husbands VA loan but can not because they put me in the XXXX system. Thinking my application was pending the long XXXX system I never saw this coming. I wrote the XXXX and received a reply XXXX XXXX. They claim they sent me notice in XX/XX/XXXX. This is not true at all. I most definently would not have missed that. I do not think the USDOE understood my letter as really their response made no sense to me and really all they did was point fingers back to servicers and the XXXX. I redid the XXXX application on line XXXX XXXX. I wish I had kept track of EVERY conversation and communication I ever had. I personally experienced and was vocal about XXXX XXXX from the start, I experienced a good portion of the complaints proven against them in court myself. These were actually reasons I only ever attended the school after seeing one class into my second session that it was NOT going to be better. I have a HUGE issue with the government letting this loan go in my name at the time when they were already aware of what XXXX XXXX was doing and my credit at the time was beyond terrible. Furthermore they have made it impossible to take care of it. Great LAkes points me to USDOE, USDOE point me to Great LAkes or a XXXX servicer. I am XXXX but I am not listed as permanent and I have not filed for XXXX relief. 
I don't understand why this has gotten to this point. I want the garnishment stopped and the loan off my credit and out of the system. It is way more than myself that this effects. The government knew this school was defrauding me when I enrolled in the summer of XXXX. My intention was to try to better myself and it has done nothing but the opposite.
Product: Credit reporting or other personal consumer reports

The company listed has been continuously reporting incorrect fraudulent items on my credit report. Time and time again they delete these items and add back every few months after assuring me that these were accounts were blocked from future reporting, they completely lied to me. They continue to profit off fraudulent items being on my credit report. This is a violation of the FCRA and the company is abusing its authority by reinstating these accounts that resulted from identity theft. These accounts need to be removed permanently and I want to be paid XXXX per day for each day these have been defaming my name and credit report. I have lost out on many opportunities due to this improper use of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

-UNRECOGNIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate th Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take the timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process 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 financial loss, and I seek appropriate redress for these violations.
Product: Student loan

They have continued to report open loans, that they are no longer the legal servicer of same. I have no student loans they have been paid in full and the Proper servicer of those loans has reported same properly.
Product: Credit reporting or other personal consumer reports

I received a letter stating this. 
We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request.
Product: Credit reporting, credit repair services, 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  XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

A 609 letter was sent out to XXXX, XXXX, and TransUnion on XX/XX/XXXX. Another letter for FAILURE TO RESPOND TO DELETION/CORRECTION LETTER was sent out on XX/XX/XXXX, to XXXX, XXXX, and TransUnion.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I went to open a business account at XXXX XXXX  XXXX NJ i was turned away due to a report or flag on my name from EARLY WARNING company that flagged my name or business. 
after weeks waiting for report it turns out there is nothing on my report that would stop me from obtain credit and or a bank account. 
However my name is flagged with no information that should have it flagged.!
Product: Debt collection

XXXX Rental Car refused to accept the payment as agreed, then sent me to collections. I have since settled the issue with XXXX Rental Car directly, yet the collections agency is still claiming I owe the money. 

On Thu, XXXX XXXX, 2016 at XXXX XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : To : XXXXXXXXXXXX From : Customer Service Date : XXXX/XXXX/XXXX XXXX PM Subject : XXXX, Case # XXXX Hi XXXX XXXX ; Thank you for the letter regarding your XXXX XXXX, XXXX rental out of the XXXX XXXX Florida XXXX location, agreement # XXXX. 

I have reviewed the information provided and found I can still apply the coupons for you if you would mail the original coupons in to us. You may mail them to : XXXX Rent A Car Attn : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Once received I will be able to apply the coupons and take care of the outstanding balance left from your rental charges. I 'm sorry for any inconvenience you may have been caused. Thank you for choosing XXXX Rent A Car. 

Sincerely, XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX : XXXX |F : XXXX XXXX, I will send you the coupons via certified mail the next time I am home. 


Sending me to collections has been more than an inconvenience, it is harassment that has cost me plenty of time and money. I hope that you are able to close this issue once and for all. 


Thank you, XXXX XXXX XXXX/XXXX/XXXX XXXX Case XXXX XXXX XXXX Dear XXXX XXXX, Thank you for contacting the XXXX E-mail Customer Service team regarding the requested coupon. 

We apologize for the inconvenience caused, please be assured when the coupons are received the adjustment will be completed as promised. 

If we can be of further assistance, please let us know. 


Kind Regards, XXXX XXXX Customer Service Representative XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; XXXX XXXX ( XXXX minutes ago ) to XXXXCustomer. 
XXXX XXXX XXXX, Today I received a collections notice from AWA collections dated XXXX XXXX, XXXX with '' proof '' that I still owe this debt. I sent in the coupons as agreed ( via certified mail ) a full month ago, you agreed that I no longer owe this debt. 

I do not owe this debt, and by copy of this email chain XXXX Rental Car also agrees I do not owe this debt, yet a full month later I am still am receiving collections notices. 

This is harassment and it is very illegal. I would suggest you make this harassment stop very quickly. 

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

After carefully reviewing my credit report, the report showed credit inquiries and collection accounts that are not accurate. I did not authorize the inaccurate inquiries found on my credit report and I understand that the bureau are not to put an inquiry on my report unless I have authorized it. There are also some collection accounts listed on my credit report to be an error. I never had an account with those creditors and I do not owe those debts. 

On XX/XX/XXXX, I sent dispute letters to the credit bureau via certified mail so that the items could be investigated and reviewed with the creditor to be removed from my credit report if they can not verify the inquiries and collections by the provisions of the Fair Credit Reporting Act. 

As I stated, this was back in XX/XX/XXXX when I sent the dispute letters. It is nowXX/XX/XXXX-- 6 months  later and I have not receive a response back from the credit bureau regarding my dispute. Under the 15 U.S.C Sec. 1681i ( a ), the investigation must be complete within 30 days of receipt of the letter sent to the credit bureau.
Product: Credit reporting or other personal consumer reports

My credit report is showing multiple unauthorized inquiries that I did not approve or initiate. I have contacted the companies responsible for these inquiries but have not received satisfactory resolutions. I am now seeking the removal of these inquiries from my credit report as they negatively impact my credit score and were made without my consent.
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - XXXX XXXX XXXX - XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXX XXXX - XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXX XXXX - XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXX XXXX - XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX XXXX - XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies.
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase since XX/XX/2017. My identity got verified, and I started adding money to this wallet and transacting in cryptocurrencies. On XX/XX/XXXX, trading was XXXX on my account when I tried to add a new bank account. I sent in requests to check what the issue was, but I never received a response. After a few days on XX/XX/XXXX, I finally was able to get a hold of a customer care rep on the phone after holding for XXXX hours, who gave me a case # XXXX. She told me that she had expedited my case and specialists would be looking into the matter, and it should be solved within XXXX business days. By this time, I was not able to log into my coinbase or XXXX account. I was not able to access any of the funds in my account, conduct any transactions of buys/sells, or transfer my money to a different platform. I didn't hear from them for another month. I called customer service again on XX/XX/XXXX to check in, and the customer service rep was confused about why the case was taking so long or what the issue was, but said that specialists were still looking at my account and would be in touch when the issue had been resolved. It's been 15 days since then XXXX XX/XX/XXXX today ), and I haven't received any communication from their side. I still can not log into my account or access my funds. Coinbase is taking an obnoxiously long time to enable trading on my account again. I should at lease be able to log into my account and move the funds away if I want to. This is absolutely frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The accounts that need verification are still in my credit report, I need the accounts to be verified and repaired for they are misleading and erroneous. 

Please verify these accounts : XXXX XXXX Balance : {$82.00} XXXX XXXX  XXXX Balance : {$4100.00}
Product: Debt collection

Bank of America keeps calling me, in the divorce decree she is supposed to take the credit card debt as I ended up being a XXXX XXXX XXXX  parent and now receive temporary alimony that's just barely enough to get by. I told them this on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to name at least three times saying I can't pay and do bot contract my parents who have nothing to do with the debt even gave them XXXX 's number I told them to take off the call list. The employee most recently says yes we can call you and them anytime we want. I paid on those things had perfect credit score until she kept running them up, now they harrass me and my family after telling them I don't have the means to pay right now. I'm gon na eventually take legal action if it continues
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Discover Bank Customer Service XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Late Payment Charges on Closed Account ( XXXX ) Dear Discover Bank Customer Service , I am writing to formally dispute the late payment charges on my closed Discover Bank credit card account, which was opened on XX/XX/XXXX. According to my recent account statement, it shows that i have a balance of {$300.00} past due as of XX/XX/XXXX. However, upon reviewing my payment history, i have noticed discrepancies that i wish to address.

Upon examining the payment summary provided by your system, I have observed the following issues ; 1. **Incorrect Late Payment Reporting** : My account was closed, yet late payments are being reported for the months of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Since the account was closed, these charges should not have been applicable or reported. 

2. Account Status : The account status was last updated in XX/XX/XXXX, which indicates that any reporting after this date should reflect on my credit history sicr that account was already closed. 

3. Interest being Applied to a Closed Account : I consider it fraudulent for interest to be applied to a closed account.

I request that you : - Remove previous late payment fees and negative reporting associated with the closed account post its closure date.

- Desist from reporting further negative reports in my account as the account is closed.

- Provide written confirmation once this dispute has been resolved and my credit report has been updated accordingly.

- All interest accrued after account closure should be removed.

Please find enclosed copies of my account statement and any relevant communication regarding the account closure for your reference. I trust that Discover Bank will handle this matter with the urgency and fairness it deserves.

Thank you for your attention to this issue. I look forward to your prompt response. 

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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. 
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
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX the company sent the consumer illiterate correspondence of identification. The companies artificial intelligence is not able to recognize grandfather open credit account, and respond with appropriate english.
Product: Mortgage

I had been out of work due to foot injury, I had a XXXX in XXXX, that left me XXXX to where I was trying to get XXXX, which took some time. I did have a foreclosure back then but got help from XXXX thru XXXX. I was XXXX XXXX then was left with XXXX to pay but didnt owe. Then I was placed on XXXX forbearance til XX/XX/XXXX Then I let them know I had a hearing for my XXXX on XX/XX/XXXX XXXX. I got a letter on XX/XX/XXXX stating they were going to start foreclosure proceedings, which was NOT NEEDED, I had communicated with them letting them know I was paying what was owed, which I pd a different amount which was XXXX extra and they said it was lawyer fees and still till this day which the fees went up to {$950.00} saying lawyer fees and fees added from checking to see if I still live in home. I have a disputing letter that I have written and about to send out. I was done wrong thru a claim also from the insurance I use thru my mortgage company to the point I had to go to the doctor from stress and mold from them dragging their feet. Now on top of all this I am getting scammers with my mortgage company,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint reagrding the Fraudulent accounts I found on my updated Credit Reports. It has been a battle going through this and I am submitting yet another CFBP Complaint to delete the following fraudulent accounts in my file. The accounts I need deleted are listed below. I am a victim of identity theft and did not make these charges nor accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the Fraudulent accounts showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the accounts listed below as soon as possible in accordance with the Fair Credit Reporting Act section 605b : EXPERIAN : XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance XXXX XXXX {$5700.00} XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$880.00} XXXX BANK XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$2000.00} XXXX PL XXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$440.00}
Product: Debt collection

I have attempted numerous occasions to handle debt with original collector. The equipment was returned and was to be credited to account after receiving. I want to see this debt removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion