23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I logged on to my MOHELA account to see info about when my forbearance ends, only to see INCORRECTLY that my recertification was due XX/XX/year> - this was despite the Department of Ed. postponing recertification until XX/XX/year>. Upon calling, I was told both by Dept. of Ed and MOHELA that my recert. is actually due XX/XX/year>. HOWEVER, I see that nowhere in writing, and I have no idea what information I need to provide. This despite the Department of Ed requiring 90 DAYS notice before recertification. And after waiting XXXX minutes on hold, I was transferred to a MOHELA supervisor, only to hear the office laughing and goofing off amongst themselves ; I kept calling out, but no one could hear me or was aware I was on the line. NO ONE WORKS, but they get paid? *Finally, * after an hour, I reached a supervisor who told me point-blank they are out of compliance, giving 60 days notice ( the website clearly says 3 months, so 90 days ).
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. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : 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

Account Name : XXXX XXXX XXXX XXXX OF XXXX XXXX Number : XXXX Youre reporting a later payment in XX/XX/2022 & XX/XX/2022 yet XXXX is reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid agreed due to my FCRA rights. In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681- section 602 states I have right to privacy, 15 USC 1681 section 604 a section 2 it also state a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end as late for any purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 Coinbase charged my account {$300.00}. I did not authorize this charge, in fact I have not logged into my Coinbase account since XX/XX/XXXX. There is no record of this transaction on my Coinbase account, and they never answer support calls or respond to emails. Coinbase is placing fraudulent charges on my debit card and is ignoring my attempts to resolve this issue with them directly. Additionally, they are blaming XXXX for this issue but XXXX has publicly said that the issue is not on their end.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT INQUIRIES REQUESTING CREDIT WITHOUT MY CONSENT WITH MULTIPLE DATES BEGINING XX/XX/16 FROM DIFFERENT CREDITORS
Product: Credit reporting, credit repair services, or other personal consumer reports

I read news accounts of the Equifax breach of security and was concerned. In the news reports from XXXX and XXXX a link was given for consumers to check and see if their data had been compromised. I was taken aback when I saw it asked for 6 social security digits and last name so I tried to dig around and make sure as best I could that it was legitimate. I went to the Equifax site and saw the same address and layout and decided to try it.
XXXX XXXX XXXXXXXX I was not given any information about whether I had been compromised but was asked to return on or after XX/XX/XXXX to enroll in their ID protection service. I then saw earlier today a report that the site being used may also be unsecured and I became worried XXXX XXXX XXXXXXXX I tried to call Equifax directly and was directed to use their number for this specific 'incident ' which turns out is just a call center where employees do n't know any information at all other than if a person received a letter in XXXX they were affected and if not they were n't. But according to news stories today Equifax is not contacting all the people who have had their data compromised so they only way to find out is to sign away my rights to sue. Also if the check site is problematic or not secure, just by checking I may have exposed myself. I read reports from the XXXX XXXX this afternoon that by even just doing the initial check, whether I sign up or not, I may have given up my rights to sue Equifax. There was no button or any acknowledgment of these terms in the initial inquiry ad I have not signed up for the service. I am concerned they wo n't honor the terms of 'free service ' or will charge me immediately at the end of the year and be difficult to get out of the contract. After I poked around the website I did see a terms of service link, but no where did I have to acknowledge that I had read theses terms and agreed. So I do n't know what my rights are. I am a XXXX employee and I ca n't afford to keep a lawyer on retainer, which was the call center 's suggestion, and I am worried about more than the financial aspect as people have been arrested and jailed for crimes committed by someone else using a stolen identity. I do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open Account : 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 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 of 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 is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1600.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602A. 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: Mortgage

Send me a copy of any subpoenas or any summons that was sent to any company in association with this case in addition send me a copy of the subpoena or summons that was filed in or around XXXXXX/XX/2021 send me a copy of any and all correspondence you received from XXXX XXXX or any other attorney in reference to this mortgage This is a cease and desist order stop sending my personal information my responses or any other information to anyone who claims to be my attorney they do not have my authority to do so and I want a copy of what they sent you instructing you to forward my information to them versus me the homeowner
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX has violated this law because this late payment is reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX has violated this law because this late payment reporting on Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX has violated this law because they furnished this EXPERIENCE to Experian and XXXX and I didnt give them permission to do so.
Product: Checking or savings account

I opened up an checking account with BANK OZK on XXXX i have been going trying to utlize the faculity to conduct my bussiness affairs. i went in the bank in XXXX asking about getting financial help i was sent to the loan department even tho thats not what i requested to be done i wanted credit.they stated they couldnt help me. i went back in XXXX to see if i could do a auto laon they stated my trade in was to old. I APPLIED FOR A CREDIT CARD FROM XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) and was denied i have credits and im not being allowed to perform. i went in XXXX to the local branch of BANK OZK to order checks and was told i could use the company checks i had to demand in order for them to allow me to order checks. the following week i went back because i wasnt receivng my statments through the mail and they charged my account unauthorized stating my mail was returned.i sent a certified letter to the headquters XXXX to notify them of changes to my account and updates. i sent XXXX deliveries on XXXX XXXX annd sent another notice and instructions to the local branch on XXXX no response at all. i also emailed i spoke with the branch manger informing him that i would be sending over documents this was the end of XXXX. I went into the local branch today XXXX and was told that my account was closed and that i was to leave their building. i have video of them denying me access to my account and certified returned recepits showing how i was trying to communicate with them i also tried other means of correcting my acount and file by addressing the CFO. BANK OZK HAS FORCEFULLY LOOKED ME OUT OF MY ACCOUNT AND BREACHED CONTRACT, FAILED TO COMPLY, PERFORM ALONG WITH OTHER VIOLATIONS. AS SOON AS I SENT OVER MY DOCUMENTS TO BE ADDED TO MY FILE TO THE LOCAL BRANCH THEY CLOSED MY ACCOUNT.
Product: Credit card or prepaid card

I opened a new American Express platinum account in XXXX this year for regular expenses. Post my spending in XXXX, My statement was generated on XX/XX/XXXX. I paid this statement in full on XX/XX/XXXX as I assumed due date would be 30 days after statement. Amex not only charged me {$29.00} in late fees but an additional {$150.00} in interest charges based on a product called Pay over time. I never opted in for this product and was informed that it is opted in automatically. There is no way to opt out of this product on the Amex website. This seems to be an extremely deceptive practice where even payments made within 30 days of billing can cause interest charges, especially when a big part of the statement balance was just the fees assesed on the account. I would like this feature to be disabled. This should ideally be an option during signup to allow members to opt out of the program. Also, I would like the finance charge to be waived as I never intended to or intend to use revolve on the card.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit reporting Act ( FCRA ) which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer financial protection act ( CFPA ) as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT CERTIFIED LETTER XX/XX/2020 TO EXPERIAN DEMANDING PROOF OF HOW, WHAT METHOD AND WHO THEY VERIFIED XXXX XXXX XXXX XXXX  WAS AN ACCURATE COLLECTIONS ACCT AND EXPERIAN REFUSED TO PROVIDE THE INFORMATION AND IS STILL REPORTING AS A COLLECTIONS ACCT!! XXXX  AND XXXX  HAS REMOVED THIS ACCT. EXPERIAN REFUSES EVEN THOUGH THEY DID NOT AND COULD NOT VERIFY THE ACCURACY OF THIS ACCT, Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 -- -- -- On XX/XX/2023 I deposited a check into XXXX XXXX XXXX XXXX at the Wells Fargo Bank in XXXX Nevada XXXX in the amount of {$60000.00}. The check was for the renovation project on the home. After a month has gone by XXXX XXXX XXXX XXXX has not honored their agreement. In contact with XXXX XXXX XXXX first, he claimed that the funds were not in his account and then he said the Wells Fargo Bank had a hold on the funds that were deposited into his account. I contacted again and XXXX told me that Wells Fargo Bank has a freeze on his account and is under investigation. 
I've contacted my bank XXXX  Bank in XXXX Nevada to try to retrieve the funds back from Wells Fargo Bank and they told me that the funds have already been paid to the XXXX account at Wells Fargo Bank and they could not retrieve the funds back from Wells Fargo that XXXX and Wells Fargo would have to send them back to my account. 

I have contacted Wells Fargo Bank to try to resolve the issue and they acknowledge the receipt with a case number and after a number of telephone conversations with them, they told me that they couldn't help me get the funds returned to my XXXXXXXX XXXX  account. 

I can provide a copy of the check and deposit receipt. Also, the case number from Wells Fargo Bank is XXXX.
Product: Checking or savings account

Support was disrespectful and you can even hear her snickering as she tells me false information. XXXX, case number XXXX. Tried telling me that a service I have been using for almost 2 years was NEVER available. That can not be true. She then tried to explain some non-technical communication between the bank and the third party. saying XXXX such as " it using security questions and not a one-time code ''. Let 's pretend she didn't just pretend to know something she clearly doesn't, let 's pretend I believe her XXXX. How is she the ONLY person in PNC that knows anything? and when I asked for a supervisor, she snickered and said she doesn't have one and that she is the supervisor. This is insulting. If she doesn't want to do her job or take it seropusly, why do I have to pay the price? This is my finances, MY LIFE and this employee did nothing but lie to me and snicker. UNACCEPTABLE. Attorney General complaint is to follow. XXXX they record for " Quality '' assurance
Product: Credit reporting or other personal consumer reports

There is a need that consumer reporting agencies exercise responsibilities with fairness, impartiality, and respect for the consumer right to privacy. 15 USC Code 1681B Permissible purpose of consumer rights. In addition consumer reporting agencies may only furnish under certain conditions. Number one is written instructions from consumer to whom it relates. Number two order of a court such as an order, subpoena issues with proceeding to a Federal grand jury. So far my rights that were violated are 15 USC 1681 ( a ) ( 4 ) upon Consumer right to privacy 14 USC1681b ( a ) ( 2 ) No permissible purpose/No written instructions The Fair Credit Reporting Act ( FCRA ) regulates how consumer credit information is collected, reported, and used by credit reporting agencies ( CRAs ) and creditors. In relation to bankruptcy, the FCRA includes provisions to ensure accuracy, fairness, and privacy in the reporting of bankruptcy information on credit reports.

One key aspect of the FCRA related to bankruptcy is the requirement for CRAs to obtain permissible purpose before including bankruptcy information on a consumers credit report. Permissible purpose generally refers to a valid reason for accessing a consumers credit report, such as in connection with a credit application, account review, or collection activity. 

Under the FCRA, creditors and other entities that report information to CRAs must have permissible purpose to furnish bankruptcy information. Additionally, CRAs must have permissible purpose to include bankruptcy information on a consumers credit report. This means that bankruptcy information can not be reported or included on a credit report without a valid reason or authorization. 

If bankruptcy information appears on a consumers credit report without proper authorization or permissible purpose, it may constitute a violation of the FCRA. Consumers have the right to dispute inaccurate or unauthorized information on their credit reports under the FCRA, and CRAs are required to investigate and correct any inaccuracies within a reasonable timeframe.

In summary, the FCRA prohibits the reporting of bankruptcy information on a consumers credit report without proper authorization or permissible purpose. Violations of these requirements may result in penalties for the entities involved and potential remedies for affected consumers.

In addition I have provided a copy of my letter from Bankruptcy Court stating they dont report to consumer agencies. 

In addition consumer reporting always state account Verified. How was account verified under investigative consumer report included personal interviews with neighbors friends, or associates. Although XXXX keeps case file documents of all district, bankruptcy, and appellate courts. Consumer agencies, and secondary agencies would have to Fish for information on consumer. Once again that would be a violation of Privacy 15 USC 1681 ( a ) ( 4 ). 
We are at a total of XXXX XXXX dollars for my violations. I will due additional pages and refer to this file