23daVinci/CFPB_Complaints huggingface dataset:
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 confidentially under 15 USC 1681. 
XXXX XXXX- Account Number XXXX XXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX- Account Number XXXX XXXX- Account Number XXXX XXXX XXXX-Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX DEPT OF EDUCATION/XXXX- Account Number XXXX US DEPT OF ED/XXXXAccount Number XXXX XXXX XXXX XXXX- Account Number XXXX XXXX XXXX -Account Number XXXX 15 USC 1681 section 602 A. States i have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c ( 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 reports more than seven years.

15 USC1681s- ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report from XXXX XXXX XXXX ) and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the specific accounts in question, along with their respective account numbers : XXXX  XXXX Account - Account Number XXXX XXXX Account - Account Number XXXX Upon closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, it is evident that there may have been a violation of my consumer rights. The law explicitly states : " ( 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. '' I must inquire whether I provided written instructions for the inclusion of these late payments in my credit report. If not, it is essential to rectify this issue promptly.

Additionally, according to the FCRA, 15 USC 1681 ( 2 ) ( a ) i ) regarding exclusions from a consumer credit report specifies : " ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' In light of this, I kindly request the removal of the aforementioned late payments from my consumer report, as they may be in viola
tion of 15 USC 1681. I look forward to your prompt attention to this matter and a timely resolution. 
XXXX XXXX Date Stated As Late XX/XX/year> XXXX Stated As Late XX/XX/year>
Product: Debt collection

In XXXX of XXXX I received a collections letter from XXXX XXXX regarding a bill of {$840.00}. The collection was sent by PayPal, with charges from XX/XX/XXXX and XXXX XXXX. There were XXXX different charges amounting to the {$840.00}. I've only used paypal for small charges and money transfer between friends. I am able to provide a copy of all paypal charges under my account. When I called the collection company they provided an email of XXXX used for the transactions and I have no idea who that is or how they got ahold of my account info. I've reported this to PayPal and they sent me forms to complete to identify the fraud However they responded that the charges were valid. I also reported this to the debt collectors and they are requiring I fill out paperwork as well as file a police report to send in. I am currently doing this process. I have also completed a submission with XXXX  The transactions are as follows - XX/XX/XXXX for {$190.00} XX/XX/XXXX for {$250.00} XX/XX/XXXX for {$190.00} XX/XX/XXXX for {$250.00} XX/XX/XXXX for {$240.00} XX/XX/XXXX for {$240.00} XX/XX/XXXX for {$140.00} XX/XX/XXXX for {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Although I have contacted the furnisher and they approved of REPAIRING and UPDATING the account, you there at Experian still chose to continue reporting this damaging information. I keep my own accounting records for payments, and the one you have does not line up with what I have. Please fix the account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$7400.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$370.00} XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit reports this morning on XX/XX/2018 and it shows that a credit card XXXX XXXX AS MARKED AS CLOSED and I never requested it to be closed nor my bank did and I called XXXX XXXX AND THEY TOLD ME THEY NEVER REPORTED THIS ACCOUNT AS CLOSED AND I CURRENTLY HAVE THIS CREDIT CARD IN MY WALLET ACTIVE AND IT WAS NEVER STOLEN AND THEY REFUSED TO UPDATE MY ACCOUNT AND MY SCORE IS DROPPING
Product: Credit reporting

Equifax has inserted XXXX XXXX XXXX on my credit file. In accordance to XXXX XXXX. XXXX, Equifax is unable to 100 percent verify XXXX on my credit file. Under XXXX XXXX XXXX, Equifax is obligated under federal law to permanently delete XXXX from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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

They finally took the incorrect individual off of my social, but now I don't even have access to my own social or credit report in itself. My social is literally just a sitting duck with no identity on it. So as easy as they somehow added the wrong individual on there, I'd love if they could add the correct person on there
Product: Student loan

On XX/XX/2024, I submitted a 'Segal Americorps Payment Award Payment Request ' to pay Mohela XXXX my student loan servicer, {$120.00} for my monthly student loan payment due XX/XX/2024. After calling Mohela at least a dozen times, nobody I speak to knows what to do with this information. The request ID from this XXXX request is XXXX. 

As a result of Mohela 's inaction, my payment due on XX/XX/2024 is now considered delinquent. This is significant because I am a part of the XXXX XXXX XXXX XXXX ( PSLF ) plan, and now the month of XXXX is ineligible to be put towards PSLF. 

For the record, my payments via XXXX were no issue when my loans were serviced by XXXX. This is proof this issue is specific to Mohela, and their administration of Education Award payment requests via XXXX
Product: Debt collection

On XX/XX/2017 I received communication from CBE group regarding a debt on behalf of XXXX. I canceled XXXX and was advised that even though I canceled I was charged after the cancellation. I disputed the debt and requested the verification in writing. I was denied the request to have the debt verified. The collector also told me without asking permission that my boyfriend 's cell phone would be called on an auto-dialer which is if I am mistaken is a violation of federal law.
Product: Mortgage

I have refinanced my home mortgage with Bank of America in XXXX XXXX. The total loan amount was {$220000.00}. Since we did not meet the minimum 20 % requirement, there was a PMI added to the mortage. I made extra payments in order to reduce my principal balance to meet the requirements to terminate the PMI sooner. As of XXXX of XXXX my principal balance was {$170000.00} which is less than 78 % of the original value. As of XXXX XXXX my principal balance is {$160000.00}. I have contacted Bank of America to inquire as to why the PMI was not automatically terminated. In response Bank of America has denied to terminate my PMI and is asking me get a appraisal done again regardless of what my current balance is as compared to the original value at the time of refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit somewhat infrequently. Today I was trying to apply for new credit cards to help with my month to month expenditures. I have been using this XXXX   website for a few years now. I saw that my credit score had been very different. I have 2 different scores. I froze my credit on 2 of the 3 major credit reporting agencies. The one I had difficulty with was XXXX. XXXX has a car loan that does not belong to me, a wrong last name, wrong address, and wrong mobile number. I have received student loans, and financial aid with my Social security and my name. I have my original social and know that my information is correct. But all of a sudden there are loans that should not be there. I tried to get the information fixed. Like how maybe it was an improper merge? However the person lives in the same city and not too far from me, from what the address of the individual who is not me has on my credit report. I can't log into one of the credit reporting agency websites because it asks me about loans and locations I never applied for. I need help desperately please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts on the pure bases of my identity being compromised years ago but the aftermath is the unknown and unauthorized accounts reporting on my credit files, data that's obviously not mines. I would like to see what all documents that was used to open these accounts, or please remove the following accounts. 

1 ) US Dept of Education XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2  ) XXXX  XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XX/XX/2016 4 ) U.S Dept of ED Direct XXXX XXXX XXXX ) Chapter XXXX Bankruptcy These accounts are stopping me from obtaining my true credit report data files.
Product: Credit reporting

In XXXX 2013, my attorney filed small claims case. It was agreed in front of judge and stipulated in order that " Entry of Judgment would be deferred so as long as I was not late on a payment more than 7 days. We both signed it and went our way. I have paid this attorney for last 2 yrs. I tried to get a home equity loan and was turned down, stating I had a XXXX judgment against me that should have never been in credit report. I want this removed. I have an order from the court dismissing this and I want it OFF my credit as the credit reporting agencies reported it in error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  TX XXXX Unauthorized hard inquiries To whom this may concern I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My husband and I started the XXXX loan assumption process on XX/XX/year> with Mr. Cooper Mortgage XXXX. We submitted all requested documents. We reached the step of providing home insurance binder and verification of employment. On XX/XX/XXXX, the loan processor/officer informed that my husband XXXX of XXXX ( XXXX ) is not enough to cover the sellers XXXX, and our loan application is canceled. This is desvating to both of us and the sellers. XXXX would be the first thing the underwriter checked when the application first reviewed. We understand that this is a XXXX rule, but should we have known about this in XXXX, we could have fixed this issue. We received a conditional approval in XXXX with nothing mentioned about XXXX. 
This is not fair for us or anybody. 
We are now in severe XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened a Coinbase account in XX/XX/2021. Since then, I've had issues accessing my account, encountering several loops whenever I tried. 

Miraculously, I was finally able to access my account this week. I attempted to sell my holdings and withdraw money, but Coinbase wouldn't allow it. They informed me I would receive an email confirmation of the withdrawal, which never arrived. However, the option to trade on the exchange remains available. I tried to add my payment methods several times, but noticed Coinbase routinely removed my details. I couldn't update my phone number on my account either. 

When I managed to add my debit card as a payment option, Coinbase claimed withdrawals could be instant. Yet, when I executed the transaction, the money wasn't transferred instantly, and I didn't receive a confirmation email. It seemed they were determined to keep my money on the exchange no matter what I tried. When I attempted to call Coinbase, I was redirected to a help page without speaking to a human. I also encountered issues with their app. 

In short, Coinbase appears intent on preventing users from closing their accounts or withdrawing their funds after liquidating assets on the exchange. I have attached documents showing various disclosures from Coinbase. The promised instant withdrawal feature never occurred, and email notifications for withdrawals were absent. Furthermore, I couldn't close my account without updating my phone number, a task Coinbase made difficult with tricks and traps. As a result, I have sought assistance from the CFPB to recover my funds through withdrawal ( as it's instant ) then account closure.
Product: Debt collection

My wife and I moved from a set of apartments and when we left we paid a relenting fee which took care of us leaving our lease early. We stayed in that XXXX place for over two years and then about XXXX months after we done moved we started to get a collection notice saying we owed for carpet, painting and other misc. Problem with that is the manager did a walk through with my wife and said everything was good and even signed off on it. Out of no where they decided they would try charging us for basically a new apt . Problem is our original lease stated that after a year the carpets, paint and everything else that was normal wear and tear would n't be held against us. I 've tried to communicate with them and they are rude and began threatening. It has been almost XXXX years since we 've left and the collection agency reopened the case to start the process over again like we just left yesterday. The apartments owner was nothing but a XXXX, he refused to make needed repairs and rigged everything. Code compliance was called by us and many other residents and they would still not fix things. It took them XXXX months to repair their a/c system even after being fined. We were forced to move because they moved in a XXXX next door to us and we had a family. Even after numerous complaints and police visits they still refused to evict them because they paid cash for their rent. Crime there was another huge issue. I could go on and on with all the reasons why we had to leave but the point is they are wrongfully trying to collect a debt that is n't owed.
Product: Debt collection

I leased a car with  XXXX   XXXX   XXXX . I turned the car in  XXXX   XXXX . I received a final bill for a lease turn in fee for  XXXX . I paid the Bill on  XXXX / XXXX / XXXX  for the amount of  XXXX . I heard nothing fromToyota until  XXXX   XXXX ,  XXXX , when I received a collection Letter from Central Credit Services LLC. I contacted  XXXX  and they said they started an investigation. I contacted  XXXX  to ask for a copy of the cashed check.  XXXX  told Me  XXXX  returned payment on  XXXX   XXXX ,  XXXX . I sent another  Electronic  payment to  XXXX  on  XXXX / XXXX / XXXX . I called  XXXX  to verify payment where they forwarded me to  Central Credit Services o n  XXXX / XXXX / XXXX .  Central Credit Services tried t o Verify Payment with  XXXX   XXXX   XXXX  and they still claim no payment received. I have included  XXXX  files number  XXXX  joint account in which I share with my son  XXXX   XXXX . The  XXXX  page shows the electronic payment made to  XXXX  on  XXXX / XXXX / XXXX . The second file is a message from  XXXX  that shows  XXXX  sent back payment. The third file is the payment made once again to  XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX . If you have any questions or need additional information please let me know. I have also disputed claim with  Central Credit Services by certified  mail.
Product: Vehicle loan or lease

I got my first car loan on XX/XX/XXXX and on XX/XX/XXXX, I decided the interest rate was too high for building credit so I made a balloon payment to pay off the whole loan. It showed {$0.00} left for me but I wasn't aware of the little interest left that didn't show up until next month so I missed it. Fifth Third Bank ONLY sent letters to my address that I wasn't living in and never sent me a single email about this issue. I change residency frequently because I'm chasing temporary jobs for job experience. They sent letters to my address in XXXX. I left XXXX  late XXXX and I've been living in XXXX  ever since. 

I checked my account, they do have my email on file and their emails do not get marked as junk either. I got a late charge on XX/XX/XXXX and only after they mark my account as delinquent in XXXX is when they decided to call me about the issue and I made a payment over the phone and it was fixed right away. 

I check my email every day and all my banks ( besides Fifth Third Bank ) and credit card companies send emails and letters to me. 

They didn't offer me any help other than to make this complaint. Please remove this from my credit history. This doesn't reflect fairly of my credit trustworthiness since I didn't fail to make a payment in time and Fifth didn't properly inform me about it.
Product: Credit reporting or other personal consumer reports

I have serious problems with the continuous inconsistency of my name in the different credit bureaus, despite having sent my driver 's license where my name is seen, I still have more than XXXX different names among the XXXX credit groups. 
On my XXXX credit report, I have XXXX different names, XXXX wrong addresses, and the wrong employee position. 
On my Equifax credit report, I have XXXX different names XXXX Wrong address, and the wrong employee position. 
On my XXXX credit report, I have XXXX wrong address, wrong phone number, and wrong employee position.
Product: Credit reporting, credit repair services, or other personal consumer reports

Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please
Product: Checking or savings account

On XX/XX/2021 I opened an account at TD Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. To fund my account I had my debit card from XXXX & XXXX & personal check from my XXXX Account & A check that my uncle endorsed to me ( {$15000.00} ) to deposit into my account. I attempted to take {$200.00} out of the ATM but my card got stuck in the XXXX. At that time it was a quarter to XXXX and I needed to get to XXXX & XXXX to get a replacement card. I had to eventually make the deposits by atm which I didn't want to. During this time I was in process of going through a divorce and had to put a stop payment on my personal checks I wrote, being my ex wife had withdrew all my money out my account without my consent and take all my money so only my personal check ended up coming back but the endorsed item didn't. So because of that they decided they were going to close my account which I didn't agree with but they did on XX/XX/XXXX. The endorsed check posted and cleared on all ends I owed TD a little over XXXX XXXX dollars and my remaining balance was {$14000.00}. So on XX/XX/XXXX my money was transferred to a internal account. I called and even visited two different branches they told me XXXX closed my account. contact them which I have done concisely and haven't got a return. I call TD Bank fraud line weekly and than me the same I need to speak to demarketing whom had yet to reach out I haven't even
Product: Checking or savings account

My cash app debit card was used to fraudulently withdrawal {$100.00} from an ATM. I remember very clearly getting a notification on my phone that an ATM withdrawal was declined due to insufficient funds - someone was trying to take {$200.00} out and I only had about {$100.00} in the account .... I was not using an ATM at that time and hadn't realized my card wasn't in my possession so I immediately tried to login and freeze my card so it could not be used. I did freeze it successfully but moments after the confirmation on my screen showing the card was frozen, I got another alert saying {$100.00} had been taken out. I contacted cash app to request my money be returned to me since I'd frozen the card but they refused to do so, citing the fact that it was an ATM that was within the area I lived in... well of course it was! I explained that they should be able to see via timestamps that I had tried to lock the card and had gotten confirmation that it was locked, but then somehow someone was still able to withdraw the money, AFTER I had blocked it, but cash app refused to help me out with refunding the funds.