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

I received the letter with your dispute results and I need to know WHY these accounts are still remaining or you are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from your company! These accounts are still reporting errors.Each one has different accounts open dates. Thats inaccurate right? How can this be?! Please explain to me how your agency has so-called verified these accounts? Im allowed to ask and youre REQUIRED to answer. 
So how did you do it?! 
Who did you talk to in the creditors office? 
Did you send them the information about the account that I sent in? 
How did you send it to them? 
Did you fax it, did you mail it, did you use the same mailing address and/or telephone number listed on the credit report that I have What did you do? And furthermore, what steps did this agency take to ensure that the creditor actually investigated my dispute rather than just fraudulently telling you that its been verified? 
The FCRA says that you have to tell me this within 15 days if I ask. And please do not send me any more of your generic response letters of how you use various methods. Im asking for SPECIFICS on exactly how your agency actually verified these accounts that you are erroneously reporting about me and I need the full name of the person you spoke with or who told you electronically that it was verified. 
If you do not know then you need to find out and shame on you if you do not know because that would NOT be a proper investigation on your part as you are required to conduct. 
Any automated response or XXXX verification is unacceptable. I am requesting a RE-Investigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the XXXX XXXX XXXX, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I noticed some unauthorized accounts on my credit report that I did not benefit from. I need these fraudulent accounts removed from my entire credit reports from all XXXX  bureaus. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!!
Product: Debt collection

Received multiple telephone calls from XXXX XXXX XXXX XXXX. They stated I defaulted on a payday loan from 2011. I inquired where, when and what company the loan was through the agent then said they would just take me to Court and hung up. I called back and an agent identified the Company as First Recovery. I asked for their address and agents name she refused to give it. I told them not to contact me again and to contact me through my attorney. I told them that I wanted my attorney to send them a letter and she hung up. They have the last XXXX of my SS # and the last XXXX numbers of my bank account. I believe this is a scam as I have never received written notice from them.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I wired {$25000.00} from XXXX XXXX XXXX From XXXX XXXX To Coinbase ( individual Account ). They said the wire would be reversed because accounts didnt match. On XXXX XXXX I did NOT receive the money so I emailed to follow up, they said they were backlogged and would resolve soon. On XXXX I emailed again still No Money returned. On XXXX XXXX I emailed again included again all the info they needed. Where the wire originated how to wire me back. Ref # from the wire and still no REsponse. 

They have a customer support line but do not handle wire issues on phone, also waited 1 hr and no one answered. 

I am at wits end of what the next step. I have XXXX XXXX trying to help, but we have made no progress. 
I just want them to Wire my money back, Its almost a month. Ref # XXXX - wire ref #.
Product: Student loan

I graduated in XXXX, have been making my payments every month without fail. Twice I have had to due to increasing interest fees and plans terminating to switch to other repayment plans that have raised my principle due to interest accruing. My loans were to be paid back through XXXX and then XXXX moved those loans without my knowing to Navient, which Navient tacked on fees to my principle. I have been making payments on a plan through Navient that saw my payments at around {$200.00} a month, my principle was going down all was fair as fair can be I suppose. This Month, XX/XX/XXXX my payments jumped up to XXXX and when I called to inquire why, I was told my existing plan had expired and that this was the new monthly payment and interest fees, that if I cant make these payments I should sign up for a the Income Driven Payment Plan which I could pay as I go but my interest would still accrue making my principle higher by almost {$3000.00}. I want to pay my loans but this is just making it harder and ultimately places me in danger of defaulting and or adding more to my principle.
Product: Credit card

I live in the United states and I Lost My Cellphone and Credit Card in XXXX at the end Of XXXX. I was issued a New Card. One Month Later my card was used in XXXX using XXXX XXXX with my Lost phone. I Locked my card thinking that would stop future charges until I was able to call for another replacement card. I was not made aware that XXXX XXXX  would continue working on expired cards when I called and got a replacement card in XXXX. Even when My card was locked More Fraudulent purchases were made because I was not aware XXXX XXXX  continues working even when the card is Locked. I then Called to process a Fraudulent Case and Get another Replacement Card & Be clear that I was not the one using XXXX XXXX on a Lost phone. The Company then Credited my account but Later Denied my Case. I was Not Physically In XXXX with the lost phone in my possession so It would be impossible for me to make those purchases. I would Like to be credited back the Fraudulent amount.
Product: Credit card

SENT THE COMPANY A BILL OF EXCHANGE TO SET OFF THE ACCOUNT AND A 1099A,1099C THEY KEPT THE FINACIAL INSTRUMENTS AND NEVER SET THE ACCOUNT OFF REPORTED ME TO THE CREDIT BUREAU 'S BEING LATE, SENDING STATEMENTS IN THE MAIL WITH ADDED CHARGES.
Product: Credit card

First Progress Card is reporting late payments on my credit report that is damaging my credit. I have fraudulent transactions that I did not authorize which I filed disputed. It was found I was not responsible for this transactions and items were reverse. I would not have been responsible for making payment for this transaction while investigate was in process. Account was closed and paid in full with {$300.00} security deposit required to open account.
Product: Credit reporting or other personal consumer reports

For some reasons my loans were reported as having a late payment for the month of XXXX and that is incorrect because I have never not been in school and this was a mistake. They fixed the late payment on XXXX or XXXX of the loans but didnt correct the rest of them. Ive also consolidated all of my loans into XXXX so why are the old loans still showing anyways?
Product: Credit reporting or other personal consumer reports

I received a letter from the Bankruptcy Courts stating that they do not report the credit bureaus. All XXXX credit bureaus ( Equifax, XXXX, XXXX and XXXX XXXX are reporting Bankruptcy on my report which is causing financial stability for me and my family. I demand any bankruptcy reporting be removed immediately from all XXXX major credit bureaus. I have attached the letter received from the Bankruptcy court. 

Best Regards
Product: Mortgage

I have just received my second mortgage statement from BSI Financial Services. Like my first mortgage statement from BSI Financial Services, this statement includes erroneous late charges and unapplied funds resulting in a false amount due. During the life of this loan, I have made all of my payments on time.
Product: Credit reporting or other personal consumer reports

XXXX WITH THE BALANCE OF {$9200.00} AND XXXX XXXX in the amount of {$1900.00}, are the result of identity theft, and They are not belonging to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and it was a bankruptcy on it and i sent a letter and called XXXX, XXXX and Experian and they all said it was verified through the courts. So i contacted the XXXX XXXXXXXX and the reply was they don't give information to 3rd party groups. So i sent letter to XXXX XXXX and all 3 credit bureaus as you can see in the attached document below XXXX XXXX removed it and courts continue to say verified through courts.
Product: Consumer Loan

I WENT TO A CAR LOT TO GET A NEW CAR AND WHEN THE CREDITOR TOLD ME HE HAD TO PULL MY CREDIT I TOLD HIM THAT I ONLY WANT XXXX INQUIRE ON MY CREDIT REPORT. THEY RAN MY CREDIT MORE THAT XXXX TIME AND MADE MY SCORE DROP
Product: Student loan

I originally filed a complaint in XXXX # XXXX. The response from the company was they sent you a copy of my note. Which I have. 
I have paid more than the minimum payments and even paid extra payments ahead for this improperly handled loan, attempting to get it paid off. I recently on XX/XX/XXXX got notified that my XX/XX/XXXX payment was due on XX/XX/XXXX. I paid the XXXX payment on XX/XX/XXXX. I called and the customer Service person XXXX, who after multiple reviews agreed that the payment was made and there is some kind of glitch in the system. She said it would be corrected within 48 hours. It isn't and I don't want my credit ruined because of this worthless and corrupt company. 
2nd Issue - While reviewing the payments I pulled the history of my account from the Navient website and downloaded the XXXX file Navient supplies showing all my payments. Wasn't I surprised to find they have been ADDING the payments I make to the principle TO THE balance for 6 years from about XXXX to XXXX. EXACTLY what I complained about originally in my complaint in XXXX. 
Called back Navient, spoke with a person named XXXX who stated " what you are seeing on the screen DOESN'T MATCH what I am seeing. I will send it to IT Dept. '' Additionally, they capitalized interest WHEN I ALREADY PAID THE INTEREST. 
3rd Issue. XXXX XXXX Made my XXXX Payment loan balance is {$40000.00}. Navient " sells '' the loan for {$41000.00} - 12 days later. Why is this the Principal balance, I don't know. I make 3 payments more, All on-time XXXX, XXXX, XXXX. XX/XX/XXXX Navient " sells '' the loan again and puts back the principal balance of {$40000.00}. WHAT DID MY XXXX, XXXX, XXXX payment go to?????? Not MY Principle Balance!!!!! 
I need someone to do FORENSIC ACCOUNTING to get to the bottom of this since I can't see how they applied anything on my account. PLEASE DO YOUR JOB AND HELP!!!!!
Product: Credit reporting or other personal consumer reports

XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

I recently reviewed a copy of my credit report and noticed there are fraudulent accounts linked to my credit report that werent authorized by me, please remove the accounts that were stated in this report off of my credit report, they are hurting my ability to have a good credit score, thank you and have a great day!, XXXX XXXX XXXX, Account balance : {$620.00}, Account Number : XXXX, Date Opened XX/XX/XXXX, XXXX XXXX, Account Balance : {$1100.00}, Account number : XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account balance : {$0.00}, Account XXXX, date opened XXXX XXXX, XXXX XXXX account balance : {$240.00}, account number : XXXX, date opened XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received an email from Robinhood stating that a bitcoin transfer was on its way. This transfer was unauthorized. I immediately contacted Robinhood through their app and spoke with a representative who assured me that restrictions would be placed on my account to prevent further unauthorized withdrawals. Despite these assurances, {$5000.00} worth of bitcoin is still missing from my account. 

Since the incident, I have repeatedly contacted Robinhood, including daily calls and emails, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To date, I have not received any concrete answers or solutions, and no proactive communication has been made by Robinhood to resolve the issue. I have had to initiate all contact, repeatedly answering the same questions. Initially, Robinhood requested documentation, which I provided immediately, followed by further questions for their review team. 

On XX/XX/year>, I received an email from Robinhood concluding their investigation. They stated that I had fallen victim to a scam and, therefore, they would not restore any losses of assets. Additionally, Robinhood restricted access to certain features of my account, including crypto transfers and Peer to Peer services. This decision was made without adequate explanation or evidence provided to support their conclusion, leaving me without recourse for the unauthorized transaction. 

As a doctor with a busy schedule, I have taken significant time to address this issue. I invested my money through Robinhood because I trusted their platform, but this experience has severely shaken my confidence. The lack of a secure platform and adequate customer service response has been concerning.

Robinhood 's handling of this matter may involve breaches of several regulations, including the Electronic Funds Transfer Act ( EFTA ), Regulation E, FINRA rules, and the Gramm-Leach-Bliley Act ( GLBA ). Despite these legal obligations, Robinhood has not resolved the unauthorized transaction issue or provided a clear timeline for returning the missing funds.

I seek CFPB 's assistance to ensure that Robinhood complies with their legal and regulatory obligations, resolves this matter promptly, and prevents future occurrences. The resolution should include a full return of the {$5000.00} worth of bitcoin and a comprehensive review of Robinhood 's security and customer service protocols.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE REPORTING IN ERROR ON MY CREDIT FILE. PLEASE REMOVE NOW.
Product: Student loan

Mohela sent me an electronic statement in XX/XX/year> listing a payment due in the amount of {$150.00} and a due date of XX/XX/XXXX. I made this payment paid in full in the amount of {$150.00} on XX/XX/year>. This payment was withdrawn from my bank account but Mohela has yet to post this payment to my account showing a balance of {$150.00} past due. I have attempted to resolve this matter via customer service phone number numerous times, through their secure message center, and through the XXXX XXXX XXXX. They have refused to speak with the XXXX or respond to my messages on the secure message center, and each time I speak to the customer service line they tell me they will submit a ticket to locate the payment and provide no resolve. I am now receiving emails stating my account is past due requesting I make a payment in the amount I have already paid. I have attached a copy of my bank statement showing the amount withdrawn from my account. I have also attached a copy of Mohela 's response to the XXXX complaint stating they will contact me directly, though no contact attempts have been made from Mohela.
Product: Debt collection

please remove this internet account this account does not belong to me never have never did this is against the law according to fcra 605B please remove please i have no knowledge of this account it is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve this matter with these credit reporting agencies for the past 6 months. Fraudulent accounts are still reporting on my credit and no physical proof has been provided verifying these accounts to be mine. My rights have been severely violated and my next steps are to take this case to federal courts for the misuse of my identity.
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 : XXXX Account XXXX : XXXX and 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: Debt collection

This is in reference to the following pre-existing complaints XXXX XXXX I received a response that Midland Credit needed additional time to fully investigate the above mentioned complaints. My first communication with Midland as you can see from my other two complaints was XX/XX/XXXX. Midland verbally refused to produce a debt validation on both accounts and verbally refused to cease and desist. I have a recorded conversation with Midland Credit to show this. However, even with verbal communication, I followed up with certified letters which are attached to the mentioned complaints above. Midland Credit Management signed for these letters on XX/XX/XXXX. The legally mandated time in which to respond is 30 days which from my verbal request would be XX/XX/XXXX. Midland Credit Management LLC will have until XX/XX/XXXX, to provide me with all the documentation that was requested in the Debt Validation request. As a XXXX XXXX XXXX XXXX, they should have all documentation that is required even before making contact with the consumer. No extensions will be provided for Midland Credit Management. I have a recorded conversation with Midland Credit Management of their staff refusing to comply which will stand up in a court of law as Midland Credit Management was recording the same conversation and I gave notification that the call was being recorded as well and Midland consented. Midland Credit Management will have until XX/XX/XXXX to provide me with complete documentation as requested in the Debt Validation. No partials will be accepted. If not received in my hand by XX/XX/XXXX, I will file a suit against Midland Credit Management with the Maryland Attorney 's General Office and will ask for damages of {$1000.00} for each time they contacted me or anyone in family after XX/XX/XXXX, and for each time they accessed my Credit Report without my authorization. I will also ask the Court to compel Midland Credit to cease any collection action and not be authorized to sale or transfer to another, person, agency or any entity for collection efforts. If Midland Credit Management can not provide COMPLETE documents requested, then a letter from Midland Credit Management will be accepted that both of their fradulent accounts in the letters that were provided are non-existant and no further collection measures will be taken nor will the fradulent account be sold or transferred to another collection agency, person or entity to try and collect. In addition, Midland Credit must stop accessing my Credit Report as they were not given permission to do so and they must stop reporting. Failure to respond in the legally mandated time will result in me contacting the MD Attorney 's General Office on XX/XX/XXXX.
Product: Credit reporting

On XX/XX/2017 I contacted Experian Credit Reporting for the purpose of checking on my credit score. I was charged {$1.00} for this service but was still not able to obtain my score. Hidden in the small print is an agreement that if I did not contact them within 7 days to cancel my " membership '' I would be charged {$21.00} per month. I realize now that I should have read all of the small print. I believe their website is deceptive by not prominently displaying this information so that customers can easily read it. After discovering that my credit card has been charged {$21.00} for the past two months, I quickly contacted Experian and cancelled my " membership '' which I did n't want in the first place. I believe that they purposely make their website deceptive by offering a {$1.00} fee to rope unsuspecting people like me into a membership.