23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reportung Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX Accounts # XXXX ( XXXX XXXX ) XXXX. US DEPARTMENT OF EDUCATION XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX XXXX 15 USC 1681 Section 602A states I have the right to privacy 15 U.S.C. Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

13 U.S.C. 1681c ( 5 ) Section states : no consumer reporting agency ma y make any consumer report containing any of the following items of information, other than records of crimes which antedates the report by more than seven ( 7 ) 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 the information is accurate.
Product: Credit reporting or other personal consumer reports

Submitted a dispute for incorrect personal information ans inquiries I didn't approve or apply for.
Product: Student loan

Below is a transcript of my most recent and what is now 4th complaint to XXXX XXXX. These complaints are met with abandonment and rhetoric meant to keep me in a never ending loop of never reaching a solution. 

Dispute Details : Beginning in XX/XX/2016 I began a series of outreach attempts to XXXX via email and phone call. At the time, I had relocated and so did not receive a paper version of my bill. This was of course around the time that my loans exited forbearance and entered repayment. Despite this, I attempted to login into the account via the website to submit payments. I was locked out due to failed login attempts ( I forgot my password ). This is when I began to reach out to XXXX per the reset password service instructions. My emails went responded to and my phone call often ended before I could speak with a representative due to 1 hour+ wait times. I eventually did connect with someone and had my account reset. At that time, I brought the account current due to retro dated forbearance granted by XXXX. Ever since, my account has been in good standing. I was assured, ON TWO OCCASIONS, that due to the nature of XXXX not responding that these late payments would cease to be reported to the consumer agencies. That unfortunately has not become the case. 
I have spoken with 5-6 representatives over the past year regarding the situation. I have been told to submit credit disputes such as this one ( this being the 3rd ). I have been told that theres nothing anyone can do and that I dont meet the requirements of a customer service escalation. I have been ignored and put into the same loops of action over and over without any substance of a conclusion coming to fruition. To put it candidly, I have been told that I am a liar and that even though I tried to pay when the account was due but was unable to do so because no one from the company would respond to me during that time. 
Today I spoke with one XXXX ID # XXXX. His outtake on the situation and his demeanor is representative of that of the experience with XXXX over this past year and a half. When I asked what I was supposed to do in order to get the issue resolved since I feel XXXX was negligent in allowing me opportunity to pay and that your own representatives had instructed and assured me that the payment statuses would be updated, XXXX had the pleasure of telling me and I quote It doesnt matter what anyone said. We are not going to change our position. Any subsequent dispute you submit will be deemed repetitive and frivolous. You do not meet the requirement for escalation. That is capitalism. We can do what we want. 
Up until today, I thought surely this company cant be mindlessly doing whatever they want and whole heartedly discrediting and ignoring customer complaints. XXXX and most of the rest of the XXXX team have proven the exact opposite of those thoughts to be true and rampant throughout the company. 
These late payments and XXXX negligence has put immeasurable strain and damage to my credit worthiness. Thus, it has caused untold amounts of direct monetary implication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do I keep losing point on my credit score when there have been no negative changes? The only change has been DECREASING DEBT which should raise my score. Ive lost almost XXXX  points ( and another XXXX  points today!!! ) WITH ZERO CHANGES. 

Equifax isnt even updating my credit score with my positive payment history and decreased debt like the other bureaus, but continue to decrease my score? 

Please make this make sense to me.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must remove any wrong accounts from my credit report. Can you check the documents? Some of the accounts listed are wrong in terms of reporting, with incorrect amounts and dates.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX I Initiated a wire transfer to GXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX ) Using the wire instructions provided. I received an email the same day concerning my wire transfer and the requirement for additional information. I provided the information immediately and waited for a response. The funds in the wire were accepted by XXXX  and withdrawn from my checking account the same day however my account with XXXX was NOT credited with my funds. It has now been a WEEK and XXXX support has failed to communicate with me about my wire IN ANY WAY. I now have learned others who have been left in the dark about their wire transfers and their funds being held from them for NO REASON and XXXX has failed to provide any reason to others as well. 

I have sent over 10 emails, tried social media all which have failed.
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. XXXX Listed below are the items that are being reported on my credit report that needs to be removed Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account does not have a name Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX has violated my rights. 

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

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

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXXXXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of fraud someone is using my SSN to obtain things in my name XXXX, XXXX XXXX and experian has been notified of this and nothing is being done about it. 
I need this to be resolved pronto.
Product: Checking or savings account

On or about XX/XX/2021, I deposited $ XXXX in a checking account and $ XXXX in a savings account in Chase Bank. On XX/XX/XXXX, I went into the bank to withdraw some of the money and I was told that the account was restricted. I could not withdraw any funds. When I asked why, they said they " couldn't get to the bank office '' to see what the status was. I spoke with the bank manager and she was unable to resolve the issue. No one she contacted knew why it was was restricted. 

I returned the next day and still was unable to get the issue resolve, even though I was there for 4 hours. The next day, after 2 1/2 hours, I was told that the restriction was because I did not have a physical address. They asked for proof of address from another bank. I provided proof of address. 

I returned the following Tuesday, and it was still on restriction. The manager called someone who did not answer the phone. I was in the bank from XXXX to XXXX. The manager was on hold the entire time. 

I returned the next day. The manager finally got through to someone, who told her that they had not received my proof of address. I was advised to give them additional time and return the following week. I returned the following week and was told they still did not know what was happening. 

At this point, I had been without access to my funds for 3 weeks. The following week, the 4th week, I was finally able to withdraw the funds. I was never given a reason for the restriction. There was no indication of fraud, I always had a physical address and I had previously provided the bank with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and XXXX  with no resolution because each organization states it is not their responsibility to report my payment. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX XXXX, the collection agency I paid in full is XXXX XXXX XXXX XXXX XXXX. I have the letter showing that I satisfied this debt and it is attached to this complaint.
Product: Credit card or prepaid card

I am the originator of this account and am re-filing the Complaint identified as CFPB Complaint ID : XXXX against Synchrony Bank XXXX Synchrony ) regarding my Care Credit account. I also state that Synchronys excuse for not responding to this Complaint is invalid, as my husband, XXXX XXXX, who filed Complaint ID XXXX is an authorized user and Synchrony issued a card in his name ( See Attachment ). This is yet another example of XXXX tactic of avoiding resolution of the stated problem. Other examples include their losing prior filings requiring us to resubmit the disputes as well as ignoring letters addressed to the CEO of Synchrony Bank and its Parent, Synchrony Financial. Other examples include testimonials supporting a dismal Better Business Bureau rating of XXXX in which a few of them are included in the attachment. Note that the complaints reference irregular billing practices. We also have received conflicting status comments ranging from ignoring our requests to applying partial credits to advising that it would require XXXX days to apply provisional credits also no applicable accrued interest adjustments have been made. 

As of this writing, the matter remains unresolved. 

RESTATEMENT OF COMPLAINT ID : XXXX There are several unauthorized charges posted to my XXXX - Noom {$18.00} and {$49.00} and XX/XX/22 - XXXX XXXX XXXX, 3 charges of {$79.00} each. The Noom charges should be reversed, as I canceled this program during the initial trial period with no charge per their policy and the latter charges from XXXX  XXXX XXXX were unauthorized. I filed a formal dispute using the bank 's forms and process and no action has been taken. Although I am an authorized user on the account, their customer service staff will not discuss the matter other than toy advise that the credits have not been issued. I wrote to the bank 's CEO as well as to the CEO of the bank 's Holding Company and a response is pending. However, considering the disgraceful ( and possible illegal ) handling of the matter by their customer service employees, I am not expecting any satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that creditreporting agencies still indicate my dispute of information in my credit report. As of todaysdate, 3 Credit Bureaus has not responded to my dispute. According to the Fair CreditReporting Act, the Credit Bureau must complete their investigation within 30 days. Pleasecheck payment history, date open, last activity and Status of the following accounts thatwere reporting in error. 
XXXX XXXX Balance : {$0.00} ; DEPTOF EDUCATION/XXXX  XXXX Balance : {$6700.00} ; DEPT OFEDUCATION/XXXX XXXX Balance : {$5100.00} ; DEPT OF EDUCATION/XXXX Balance : {$5100.00} ; DEPT OF EDUCATIONXXXX XXXX : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please delete the following accounts. 

Account Name : 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
Product: Money transfer, virtual currency, or money service

I received a Cashiers Check in the amount of XXXX. XXXX XXXX : Capital One Bank, XXXX XXXX XXXX, Dated XX/XX/2019. Pay to the Order of myself. I was under the understanding that Upon receiving the check a car wrap from XXXX was to be delivered XXXX to my residence then I was to confirm receipt in order for the XXXX   Co. Schedule the wrap with a contractor. I was instructed to keep XXXX and the remaining XXXX was to kept and payment made to the contractor. I was under the understanding that this was a legitimate check. Upon trying to comply with the directions the teller at my local Bank XXXX XXXX XXXX refused to cash it do to believing that it was fraudulent, then informed me to take it to the police. I refused to do so after three years of trying to get questions answered that remain unanswered from the FTC, SEC, CFTC, FDIC, DOJ, FBI and XXXX XXXX XXXX. If this is a fraudulent check then it would appear that someone is slipping.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX committed fraud. 
They issued an auto loan I NEVER SIGNED. THE BANK HAS NO AUTHORITY OR LICENSE TO ISSUE THE LOAN. 
Td Bank is not who they signed me up for They fraudulently signed me up to TD AUTO FINANCE LLC ( whose license expired XXXX XXXX 5 months before they issued a loan to my name ) What fund do they have with an expired license for 2 years now? Where would the money go? Td Auto Finance LLC is a scam. Td Bank is another type of scam. No inquiry was found on my credit score report from TD AUTO FINANCE, the fake bank they sent me bills from and never answer their customer service phone line.

This is fraud and I will step this problem up with all of the banking authorities. 
It is like an XXXX XXXXXXXX XXXX XXXX on me. 
XXXX XXXX XXXX XXXX XXXX California fraudulently attempted to do business with a fraudulent bank- to reiterate td auto finance is unlicensed to do business in the state of California . Who responds now?
Product: Student loan

Several issues with payment count due to issues on their part several were corrected but Payment counts are still incorrect. They requested request in writing to be uploaded to my account. This was completed the first issues were corrected but i have been waiting almost a year ( XX/XX/2018 ) for a recount and correction. Payments have been completed on both subsidized and unsubsidized loans equally yet counts are off by varying amounts with Max different of 12 payments. I feel as though 10 months is ample time for this to have been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am writing this because XXXX XXXX company imputed a collection account on my report. The original creditor was XXXX. I disputed this account when XXXX XXXX was on my report with same account. 

This account was deleted of my report they could not verify or have my signed contract. 

XXXX XXXX needs to delete this off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am at my wits end and i do not no what else to do. my realtor checked my credit and told me that i had a negative account by the name of XXXX XXXX XXXX with a balance of {$9100.00} opened on XX/XX/XXXX and a XXXX  account with a balance of {$45000.00} opened on XX/XX/XXXX. These don't belong to me. i'm a victim of identity theft and i desperately need a Disaster relief loan that i can not get because of these accounts that do not belong to me. please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent XXXX  a dispute advising that there was an account reporting on my credit report that was unknown because the furnisher was not listed for the alleged collection account. According to the FCRA every account must report accurate, complete, and verifiable 100 %. Only the account number was present for these collections. After reviewing an updated copy of my credit report on equifax.com I noticed they simply changed the account to reflect with a furnisher name. XXXX did not send me anything acknowledging the dispute. They also did not add the notice of dispute per Section 623 and that is a violation.
Product: Money transfer, virtual currency, or money service

This is a complaint against Paypal for the account user with email XXXX. Paypal has a negative balance for this account totaled - {$930.00}. The negative balance was paid from my XXXX account on XX/XX/2020. 

An item was sold on XXXX for XXXX. After the sell the buyer requested a refund in which the money was refunded via Paypal for XXXX, which left a negative balance on my Paypal account. The buyer never returned the purchased item ( tracking provided which shows the item was never sent ). This meant the buyer had his money returned and also the item purchased through XXXX. 

On XX/XX/XXXX, Paypal was paid XXXX via XXXX ( document provided ) to cover the negative Paypal balance. A dispute was opened with XXXX and Paypal which stated that I never received my item I sent to the buyer and money has been sent to Paypal through XXXX to cover the negative balance. 

Today XX/XX/2020, I still have a negative balance in Paypal and XXXX has paid Paypal on XX/XX/2020 but Paypal has NOT updated the Paypal account to reflect this payment. 

I would like Paypal to acknowledge this payment and to bring the account current.
Product: Mortgage

I was contacted by Freedom Mortgage to refinance my current FHA mortgage I have with them, my rate would drop from 4.25 to 2.125. In XXXX, XXXX I signed and filed all the completed paperwork. I was scheduled on XX/XX/XXXX to meet with a Notary at my home to sign the new mortgage documents. My XXXX year old daughter who lives with me is a nurse and came down with COVID, I called the Notary and asked if we can meet elsewhere or reschedule due to COVID. She opted to be safe and reschedule. My reschedule date was canceled by Freedom Mortgage due to a {$200.00} issue with my second mortgage. Since XX/XX/XXXX to current, XX/XX/XXXX, I have been emailing and calling my contacts at Freedom Mortgage to get this process completed. I had it escalated to a manager and received a new contact. I spoke with the new contact before XX/XX/XXXX, I emailed & called him for an update on XX/XX/XXXX, today is XX/XX/XXXX and I have not heard from him. My monthly mortgage payment will drop by {$400.00} a month. Freedom Mortgage is costing me {$400.00} a monthly, in total {$1600.00}, by not finalizing my refinancing. Please help, during this COVID year, groceries, food have increased. I have XXXX adult children living with me & could use the {$400.00} extra.
Product: Prepaid card

I misplaced a rebate card issued by Citi for tires I purchased in XXXX of 2015. When I located the piece of mail and opened it I found the card expired a week earlier. I called Citi to get a new card and was refused being told they XXXX the balance as of the last day of XXXX. The card was for {$70.00}.