23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Dear Protection Bureau, On XX/XX/2020, I refinanced a student loan from AES ( acct. no. XXXX XXXX XXXX ) to XXXX XXXX  ( acct. no. XXXX ). XXXX XXXX  sent {$39000.00} to AES to pay off my loan with AES. The payment exceeded the actual payoff amount of {$39000.00}. I called AES for a refund of the excess {$460.00}. I was told they could only send the difference directly to XXXX XXXX. Over the next eight weeks, I made five phone calls to each institution. Neither could confirm sending nor receipt of payment. On the week of XX/XX/2020, I joined two supervisors on a conference call, XXXX from XXXX and XXXX from AES. XXXX explained that a check was mailed, not received, then cancelled, and that an ACH was sent electronically which XXXX stated was not received. XXXX said another check would be issued. On XX/XX/2020, XXXX stated the check was received. The credit of {$460.00} was credited to my account. On XX/XX/2020 I received a letter from XXXX XXXX  stating that the {$460.00} credit was reversed due to insufficient funds from AES. I no longer have the patience to go back and forth after four months. 
Please help! 
Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, the credit bureau 's have violated my rights under 15 USC 1681 Section 604 A section 2 states, a consumer reporting agency can not furnish an account without my written instructions. Also I have the rights to privacy according to 15 USC 1681 Section 602a. These accounts were furnished without my written instructions or knowledge. I've reached out to the bureau 's on numerous occasions and still no response. 

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

I filed a complaint # XXXX in which I was complaining about inaccurate information being reported on my credit report. XXXX and Midland Credit is showing incorrect information on my file, and it is not being deleted. I have sent letters to verify information and they keep coming back as accurate, but the reports are not. Attached you will have the files showing where the information is not correct. The date of activity is not the same on all three reports. Two reports are showing open and one is showing closed. The dates opened are not the same on all three reports. Based on FCRA section 611 15 USC 1681, the accounts are not being reported accurately and must be deleted due to inaccuracy of credit reporting.
Product: Credit reporting or other personal consumer reports

I was disheartened to find unauthorized inquiries on my credit report tonight, and Im at a loss as to how they appeared. I checked my report as I normally do, but this time, there were discrepancies that caught me off guard. I refreshed my browser, hoping it was just an error, but unfortunately, the unauthorized inquiries didnt disappear. I urgently request that the documents Ive provided be thoroughly reviewed so I can put this worry to rest.
Product: Credit reporting or other personal consumer reports

This car was a lemon and high mileage and says it worth XXXX account supposedly be close or a charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report an error of 30 days late on my mortgage account with XXXX XXXX XXXX, XXXX, attn, Research dept, XXXX XXXX XXXX , XXXX, fl XXXX-XXXX A/c # XXXX XX/XX/2017 mortgage payment was made on time but equifax reports as 30 days late, which it totally incorrect & unacceptable. This error must be corrected immediately & reported as current.
Product: Debt collection

Hello, I never sign, had a contract with the company XXXX USA, CONVERGENT OUTSOURCING, Inc,  demand me to paid an enormous amount that I do not own. 
Also this Convergent Company, send a new correspondence to my new address harassing me. 

Balance : {$1000.00} No date of this fake service was stated!!
Product: Credit card or prepaid card

Capital One sent me a solicitation in the US mail to apply for a Venture credit card, offered to customers with " Excellent Credit, '' they said. They had a preapproved offer for me. They gave me a reservation # for my offer and an access code. I had to apply before the deadline XX/XX/20. I applied, according to their instruction, online on XX/XX/20 to getmyoffer.capitalone.com. A couple hours later that night, they sent me an email telling me I would have to provide them a copy of my passport, driver license or some other photo id AND a copy of my social security card or w2. That was on a Friday night. I had to wait till Monday to call the phone number associated with this request, so I called them and they said if I refused to provide this personal information, the offer would be withdrawn. I told them I will not send it. 
I told them that if they had told me that information even MAY have been requested, I would not have applied, because I have no intention of sending them my driver license or passport. 
So, they already did a hard pull on my credit and my credit score dropped somewhere between 5 and 10 points. I called XXXX  and they said I should request a letter of deletion from Capital One and then they ( XXXX ) would be able to delete that hard pull and my credit score would return to its previous number. 
So I called Capital One back, and they refused to provide a letter of deletion. They told me I have to write a letter to them and send it by snail mail explaining what happened and they would reply in 30 days. So this would drag out for up to 6 weeks and my credit score would remain negatively influenced. They would make their own decision whether they did anything wrong and I had no recourse. Capital One is going to be its own judge. They were rude and they didn't care at all. 
XXXX told me that inquiry by Capital One will remain on my credit report for 2 YEARS!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows me as an authorized user on a XXXX XXXX XXXX credit card with an $ XXXX balance. I do not have any accounts with XXXX and Im not an authorized user on any accounts. I called XXXX   and they were not able to find any accounts tied to my name or SSN. They opened a claim to further investigate and I received a letter stating the same account information from the credit report with no additional actions or resolution. I called XXXX after receiving the letter and after about 30 minutes of attempts, they were not able to find any accounts tied to me. I filed a dispute with Experian, as this account is not showing up on the other two credit reports. Experian closed the dispute with no resolution and the account and balance is still showing on the credit report. Its not right that this $ XXXX balance is effecting my credit score when no one can even locate the account in any of their systems. Its clearly a data glitch that needs to be corrected.
Product: Debt collection

On XXXX XXXX, 2016 & XXXX XXXX, 2016,, Defendants attempted to collect a debt and created an unauthorized trade line on Plaintiff 's credit report using 'Last Reported : XXXX XXXX, 2016 ' on Plaintiff 's credit report. Defendants willfully violated the FCRA by performing an unauthorized trade line on Plaintiff 's credit report. 

On XXXX XXXX, 2016 & XXXX XXXX, 2016, Defendants attempted to collect a debt and performed an Impermissible 'hard pull ' on Defendants credit report without a firm credit offer.
Product: Debt collection

I called in today in regards to garnished wages. They had not attempted to contact me at all since XXXX of this year. 

I called at XXXX on XX/XX/XXXX in an attempt to figure out what was going on and why this happened without any notification prior. The man on the phone was talking down to me and so I made a comment on how I get parts of his job may be XXXX but I get it and Im just trying to get information. When he got aggressive, I asked to speak to a manager and he said yeah okay, go do ya and when I asked him what he said, he said oh I said Ill get a manger. 

When I spoke to the manager and told him his employee basically told me to XXXX myself, he said no he didnt and immediately got defensive and aggressive with me. He chose to talk down to me again stating that he told me do ya. When I confronted the meaning he continued being rude until we changed subjects. 

This company is incredibly unprofessional. They have threatened me with legal action, they have threaten to garnish my wages, they lied to me about what would happen if I did not show up at judgement. 

This is a bad and negligible company who did not even attempt communication with me until they wanted to garnish my wages. I didnt even know who they were until judgement.
Product: Debt collection

XXXX XXXX XXXX repeatedly calls me for a debt that has not been verified, and is nearing the statue of limitations. They also call repeatedly and excessively, after I have reported them and asked them to no longer call. My debt has been one that they should n't be collecting on at this time as it was included in the lawsuit that required them to stop collecting on illegitimate debts a few years back.
Product: Money transfer, virtual currency, or money service

I have been a customer of Robinhood for over a year. I have a debit card with them as well as doing some trades. 

They restricted my account to verify my identity, their app to verify my identity won't work. 

They won't let me trade, withdraw my money or spend money on my debit card and they are taking too long and not taking this process seriously, it has been close to 2 weeks. 

At first it seemed like a standard thing to do however after they restricted my account they withdrew {$5000.00} USD from my account and locked that up as well. 

I asked them 'if they were afraid that I wasn't who I said I was why would they restrict everything except taking more money out of the bank account in question and locking that up too? ' They did not give me a satisfactory answer, nor did they reverse the {$5000.00} USD debit from my account and it has been close to 2 weeks with 0 access to my funds without any answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the accuracy of a bankruptcy showing on my credit Report. Experian claim The company that reported the information has certified to Experian that the information is accurate. Experian is reporting inaccurate and unsubstantiated information on my credit report. They are reporting a bankruptcy which is inaccurate and unsubstantiated. I would like to know who provided any information of a bankruptcy. I have a letter from the bankruptcy court stating they do not provide any information to any credit reporting agency regarding bankruptcies. I demand Experian provide the name, date, and contact information of the individual who was spoken to and if they don't provide this information, they must remove this information from my report. This is a clear violation of 15 USC 1692 and 15 USC 1681.
Product: Mortgage

You have closed the previous complaint for some reason. You did not comment on my final correspondence to yourself or from me to the company, ( select portfolio ). 
The matter is not closed! They suggested that the matter was closed and you relied on their word? I sent them an additional certified letter and uploaded a copy to you on or around XXXX. It was received and signed for by XXXX XXXX on XXXX, XXXX, XXXX. Their recent response dated XXXX, XXXX, XXXX is a lie. My nresponse to that letter is dated today, XX/XX/XXXX and will hope to be able to upload it to you herein?
Product: Student loan

My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. The breach performed by DOGE, given that they unlawfully accessed student data, is a clear violation of FERPA and your responsbility to safeguard my information.
Product: Student loan

My Borrower Defense discharge was finalized, and my refund has been sitting at a negative balance with Mohela for several months. I have requested a refund, and their customer service agents claim not to know why my account has not been processed. I submitted correspondence online on XXXX XXXXXX/XX/XXXX and XX/XX/XXXX, each time asking for an update or resolution. I called to follow up several times, and have not received any update. My case number is XXXX # XXXX. I was told to allow 14 business days for a response back on XX/XX/XXXX. I finally received a response on XX/XX/XXXX XXXX and they responded that they saw I called in, so they would ASSUME my issue is resolved. 

It is not resolved, and my balance is XXXX for several months now. This is my borrower defense refund, that Mohela refuses to complete processing for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Equifax and XXXX emblem XXXX has opened. My account is no longer close. All of my everything delinquent is supposed to come off my account. Im going to attach a letter from the bank from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX legal guardians who have full access to my account collecting XXXX different stimulus checks underneath my name that I've never seen the funds. Also dropped my credit score ( XXXX ) down a whole XXXX points XXXX. I never reported the issue because it was within the bloodline but now I'm reporting so I can't press charges see if there's anyway to receive my money and protect my account from credit fraud and my credit score from dropping again. I want the perpetrator behind bars where they belong. This isn't the first time it's happened and it's sneaky and disgusting. I've been homeless and far worse. And they need to meet consequences. They go back and forth everyday as comfortable and as slimy as can be and it makes me sick that I didn't do anything sooner. But I. Reporting in hopes that the perpetrator is brought to justice and put behind bars. For Good to prevent this situation from happening to me or anyone else. Thank you XXXX
Product: Bank account or service

I was forced to deposit & wire to multiple amounts of money because of threats to harm my children. What was a harmless internet romance, turned into the worst year of my life. That being XX/XX/XXXX. After my dad XXXX XX/XX/XXXX.A girl named XXXX XXXX XXXX XXXX XXXX XXXX . She was nice in the beginning, until when she scammed and threatened me, and my family. The first bank was Wells Fargo, which was a bank wire. Acct holder XXXX XXXX XXXX. Address- XXXX XXXX XXXX XXXX XXXX CA. XXXX # XXXX. XXXX ) Another wells Fargo wire Acct # XXXX, Acct Holder XXXX XXXX Address- XXXX XXXX XXXX XXXX XXXX CA XXXX {$1200.00} XXXX Dep. amt - {$1500.00} XX/XX/XXXX. Dep- {$2600.00} and {$2400.00} XX/XX/XXXX. 

A wire and multiple deposits were made to XXXX XXXX holder XXXX XXXX XXXX. Acct # XXXX. Address- XXXX XXXX # XXXX XXXX CA XXXX. A wire for {$3000.00} and XXXX manual deposits for {$2000.00}, {$1000.00}, {$670.00} And {$1200.00} on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX deposits to XXXX XXXX Acct # XXXX, in the amt 's of {$1600.00} an d {$2000.00}. 
Another XXXX XXXX XXXX acct holder XXXX XXXX Acct # XXXX in the amt of {$2500.00} done XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX a wire {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
The Bank was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
The other was XXXX XXXX XXXX, XXXX- XXXX. co.a wire for {$25000.00} acct # XXXX. XX/XX/XXXX. 

XXXX XXXX XXXX XXXX , Wire Amt for {$10000.00} & {$7200.00} Acct holder- XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX acct holder Stop $ wholesales a teller deposit for {$6000.00} & {$10000.00} done the same day. XX/XX/XXXX Acct # XXXX. 

XXXX XXXX XXXX multiple deposits to XXXX XXXX XXXX Acct XXXX - XXXX for {$2000.00}, {$1000.00}. {$3000.00} on XX/XX/XXXX, and {$3000.00}, and {$2300.00} on XX/XX/XXXX. 

Last but not least XXXX XXXX XXXX a deposit made for {$4000.00} on XX/XX/XXXX @ XXXX XXXX Acct # XXXX. XXXX XXXX continues to threaten me through the use of private numbers and yahoo messenger XXXX, and her lawyer also at XXXX XXXX. IM also reporting How I was treated to the consumer Financial protection Bureau. I believe have aided and abetted these known criminals. These criminals stooped so low to say I will join my father in XXXX with my kids, and me being on medication for XXXX and XXXX complied. These banks have treated me with such discrimination. My local police did n't help XXXX bit. I still have all the receipts for said transaction. When I found out I was scammed, I asked XXXX XXXX to recall the wires, and they refused. I want My Money Back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am a victim of identity theft. There are fraudulent accounts on my credit profile that need to be removed immediately. 


Collection : XXXX XXXX XXXX INQUIRES : XXXX  XXXX XXXX  XXXX  XXXX XXXX
Product: Checking or savings account

my name is XXXX XXXX this complaint is for cash app, i have a cash app for my son XXXX XXXX which is a XXXX cash app tag XXXX  XXXX, the profile is in my name with my picture, i have attached cash app statements for the months of XX/XX/2022 XX/XX/2022 and XX/XX/2022 and transcation documents also proving my complaint, on XX/XX/XXXX there was a XXXX dollar payment sent from me to XXXX XXXX  cash app stated this transcation was canacelled that is not true on my cash app XX/XX/2022 statements it shows the transcation was not cancelled however it was taken out of my XXXX XXXX checking acct and never refunded to my bank or back to the cash app acct, on XXXX the XXXX XXXX there were two transcations one for XXXX dollars and XXXX  for XXXX was sent to XXXX XXXX  that was suppose to be refunded back to the XXXX transaction was suppose to be cancelled and so was the XXXX dollar transcation, not only did cash app take these funds from my bank acct and never refunded me they also took these funds from XXXX XXXX checkinhg acct for a refund for me which was not necassary because these transcations were suppose to be cancelled, so they took these funds twice,, from my acct and his, i have advised XXXX XXXX to file a cliam to get his money back,, yet still cash app has yet to refund my money or his, please look on the cash app XXXX XXXX statement, on cash app statements it descripts all transcations it would state cancel if the transcation was caneclled, however on the transaction receipt it states canaceled but on the statement it does not state that, also on XX/XX/2022 cash app cancelled a payment for XXXX that was suppose to be refunded to me on XX/XX/2022 however no refund has be made it is stillin a pending state with cash app, also another payment that was suppose to be refunded for XXXX however no refund, it is numerous charges like this but i can only proove these transcation at the time, i have attached my XXXX, XXXX and XX/XX/2022 cash app statements and my XXXX XXXX XXXX and XX/XX/2022 bank statements proving cash app took the money and never replaced it now those XXXX XXXX accts are closed i want my refund from cash app put into the cash app acct or mailed to me in a caheck the total amount is XXXX dollars please look at all attachments, i have contacted cash support numerous times about this matter i have also attached that proof my contact number is XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY ( U.S. Bankruptcy Court ) : # XXXX, DEPTEDXXXX : # XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 an 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

This company is dodging their duties, telling me they feel as if my complaint wasn't directly submitted by me. I am now resubmitting the complaint with a selfie of myself holding my ID too verify my identity.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX XXXX XXXX Payments have been made each month on this account, including agreements made with the company to not report to credit reporting bureaus in exchange for payment. Account now current. Request was made to remove delinquent items which were added without my consent. 

XXXX XXXX Payments have been made each month on this account, including agreements made with the company to not report to credit reporting bureaus in exchange for payment. Account now current. Request was made to remove delinquent items which were added without my consent. 

XX/XX/XXXX Payments have been made each month on this account, including agreements made with the company to not report to credit reporting bureaus in exchange for payment . Account now current. Request was made to remove delinquent items which were added without my consent. 

Under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 additionally states that a consumer reporting agency can not furnish account without my written instruction. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I request all delinquent items from XX/XX/scrub> 2024 to present be removed from credit bureaus in accordance with above articles and in accordance with the rights granted to me therein.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. TheAccount below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


US DEPT. OF EDUCATIONXXXX Account # XXXX, has violated my rights. 

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

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