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

Not only was I not given proper notification bi law u are now at the seven year mark allowed bi law for you to report to my credit. Please remove it from my credit law is not from you purchased the debt law is from the first day of missed payment which obviously I was in prison since 2016 you cant Have it both ways
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX  XXXX XXXX Balanced Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.Please delete all these fraudulent accounts none of the listed is associated with me. 
The account listed are not transactions done by myself.
Product: Checking or savings account

Someone called me from the XXXX XXXX and it was the phone number on their government website, so I believed them. They asked me to download the " Any Desk '' app, accessed everything on my phone, asked me to take a selfie to confirm my identity, asked me to say my name, XXXX, and address, and log into my bank accounts and share my balances. They told me that someone stole my identity and that if I didn't share this information, my accounts would all be seized by the government because someone was laundering money and drugs under my name across borders. I now know this isn't true, but in the moment, I was scared and complied. They got into all of my bank accounts, credit cards, emails, and passcodes through my cell phone.
Product: Student loan

This company violated 12 CFR PART 1022 REGULATION V. They are still reporting outdated information that 7+ years old on my report. Also they are reporting multiple negative accounts with ONE account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Checking or savings account

On XX/XX/2018, at approximately XXXX XXXX, I attempted to open a checking account at the Chase Bank branch located in the XXXX XXXX store in XXXX XXXX, OR. 
I was asked for 2 forms of identification, which I provided, plus my Veteran 's ID. 
Everything was proceeding fine, until XXXX, the lady opening the account, asked me why I was opening it, and I mentioned that my youngest son was investing in crypto-currency such as Bitcoins, and wanted me to invest as well. She immediately told me that because I mentioned that, I could not open the account after all. I told her that did not seem right. 
She went to talk to her manager, who came over and told me the same thing. She said that it was their policy not to issue accounts to be used for Bitcoin or other crypto-currency transactions. I asked to see that in writing, and she failed to find it, and seemed to fail to get any verification over the phone.

Then I said, " Okay, I changed my mind, I just want to open a checking account to write my son a check. '' I was still refused a checking account because I had mentioned Bitcoin purchase before. 
I felt discriminated against, embarrassed, and angry all at the same time. My oldest son, who is also a Veteran happened to be with me, and witnessed the event, and was also shocked and amazed.
Product: Credit reporting

I noticed several inquiries that had been deleted reappear on my credit report and double report. I called transunion customer service and explained several inquiries are showing up on credit report that were gone. After she explained she could not help me i asked for a supervisor and after a long hold was disconnected.
Product: Checking or savings account

In XX/XX/year>, I went to a Bank of America to open an account. They were unable to open an account for me as another person named XXXX XXXX had an existing account with my social security number. I provided them a copy of my social security card and ID to the banker at the branch. Then, I submitted another ticket with boas fraud department and was told they would send a letter to confirm and verify the other persons identity. The ticket I submitted was closed, so I believe the other party may have provided a fake social security card. 

I dont have an existing bank account number with Bank of America and and can not be found in their systems. My ssn will prompt XXXX XXXX information. 
Ticket number : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX  ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( XXXX ) specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous CFPB complaint I recently submitted. I sent a letter on XX/XX/2022, to remove personal information, address, accounts and inquiries that are totally UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints and I am including it again. Please have the following items removed as soon as possible. : 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

My ex wife and I were offered a consolidation loan for our Federal Student Loans shortly after we were married in approximately 1998. We have been divorced for 5 years I we are unable to separate our loan because when we consolidatednit was not explained to us that our loan was being purchased by a private loan company yet guaranteed by the Federal Government but no longer a Federal student loan. I am a XXXX  and should be afforded the privilege of loan forgiveness for my portion of loan but at the least allowed to separate the loan between my ex and I. I feel we are victims are predatory lending and were taken advantage of during a difficult time financially. And now to be saddled with a loan with my ex and it's responsibility in my new marriage is a strain on my marriage. So many opportunities are available to direct serviced loans and not me because I was purchased like a commodity which to me translated into modern day indentured servitude.
Product: Credit reporting or other personal consumer reports

Bank of America ( BOA ) owes me {$6800.00} ( statement enclosed ) plus five years of interest. I closed all accounts with them in XXXX, confirmed again in XXXX yet they have fraudulent reports dated after that. Also, after reporting checks stolen, the bank cashed {$1700.00} worth of checks for thieves..attached. 
Initially, they returned the {$6800.00} back on a credit card, which I misunderstood as did a bank worker who told me to destroy the card. I did. ( statement enclosed ) The problem initially was that I did not comprehend that the minus sign ( - ) meant the money was on the card. 
After explaining this to more than 50 bank representatives, they claimed theyd send me a check. One swore Id get the money back via direct deposit I did not. The bank then sent me a statement showing a XXXX XXXX check # XXXX, but no check. I was told it said fraud because they did not know how to categorize it. 
When a XXXX XXXX at the Old XXXX XXXX XXXX in XXXX XXXX tried to find out why I never got that check they hung upon her. XXXX XXXX at that branch explained all the banks statements are fraudulent. And since there was no fraud, I cant have my own money back. 
Thus, instead of giving me my own money back, theyve stolen it and now have tried to extort more with false reports on my credit ( formerly excellent, now not ) and having many people call me demanding I pay. Ive spoken to their Fraud dept, their Collections dept, their Recovery deptall to no avail. When I went to the XXXX XXXX XXXX office two big guys were physically pushing an elderly gentleman out who was saying, but I have {$40000.00} in this bank. XXXX XXXX was with me. When a XXXX XXXX at the bank tried to get me my own money back, the department she reached hung up on her. I contacted their regional presidents office only to get a call from a nasty-mouthed woman saying just pay your bill. 
I closed all accounts with BOA in XXXX when they cashed {$1700.00} of my checks AFTER THEY WERE REPORTED STOLEN. My bank has been XXXX since then. However, when I was recently turned down for a home equity loan by XXXX for a reasonable rate, I was told I had bad credit and to look on XXXX. 
XXXX has reports that I owe Bank of America moneybut I do not. Yet the bank which owes me money is now trying to extort money from me with totally fraudulent reports on XXXX. The bank is unable to produce signed sales slips by me nor are they able to produce payees who, not only disagree that Ive ever purchased their services via BOA, but XXXX from XXXX would be happy to tell any judge or jury of his findingsthat Ive never charged their services through BOA anything.
Product: Vehicle loan or lease

GM Financial in XX/XX/2018 had a system wide upgrade that caused a lot of billing issue for customers. After their system came back online in XX/XX/2018 they incorrectly sent me a bill for {$38.00} instead of my normal bill for lease payment of {$580.00}. At the time I called their Customer Service and they indicated that that was an incorrect bill due to the system upgrade and to pay my normal payment due XX/XX/2018. On XX/XX/2018 I payed the full amount {$580.00} and since then they never reported to me a being late or any further issues. Now I returned the vehicles after paying in full the lease and on the Final Bill they are telling me I am past due the amount of XXXX and this amount is the exact amount if you subtract the XXXX from my normal bill in XX/XX/2018 of {$580.00}. GM Financial made a mistake and I do not owe this amount as I payed in full in XX/XX/2018 {$580.00} PLEASE CORRECT YOUR RECORDS as I do now owe the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. Equifax says I have a 30 day late payment on XX/XX/2019, XXXX and XXXX  says I have an on time payment. On another, it says I have a 120 day late payment on Equifax but on XXXX and XXXX, it says I have on time payments.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inquiries listed on my credit report, which I believe to be fraudulent. Upon reviewing my credit report, I noticed inquiries from creditors with whom I have no association. I believe these inquiries are the result of identity theft or other fraudulent activity.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX of XXXX XXXX XXXX XXXX signed me up for a one year {$150.00} bimonthly plan with a {$150.00} early cancellation fee, I gave my debit card. XXXX provided the service. XXXX said first charge didn't go thru and ran card again. My bank acct shows 2 - {$150.00} charges on XX/XX/XXXX. The next service was on XX/XX/XXXX but again the bank charges show {$150.00} on XX/XX/XXXX and XX/XX/XXXX. I tried to resolve local but was sent to Billing dept where there is no way to leave a message but instead says to send email to finance department. Finance department never responded to multiple emails. Calls to the local office also failed to resolve. So I cancelled the service XX/XX/XXXX and they sent me a bill for {$150.00} early cancellation. I paid the company for 2 services at $ XXXX/each and {$150.00} early cancel fee = {$460.00}. However, they have taken through my debit card {$150.00} x 4 = {$630.00}. That leaves them owing me = {$160.00}. I have a dispute through my bank for {$150.00} on the XX/XX/XXXX withdrawals which they resolved with the bank. Now they have threatened to send me to collections. They actually owe me {$9.00}. I have sent numerous emails with records of the withdrawals from my bank account. I can not get anyone in Finance to contact me. I received a debt collection notice from ARM Solutions , Inc. on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband submitted an insurance claim under my policy for an accident he had in a rental. I had no knowledge of this and it is effecting my insurance rates instead of his. He was the driver, the vehicle was a rental and I can provide proof that I wasnt even present for this accident. No money was paid out on this claim either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to include inaccurate information on my credit report. In 2017 I filed a complaint regarding the reporting of a tax lien from the XXXX XXXX register of deeds. I asked them to verify the validity of this tax lien. XXXX has complied and removed the erroneous information from my credit report. XXXX  refuses to do so. I am requesting that the tax lien from the XXXX XXXX register of deeds be removed immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certfied letter to Experian asking they do a complete investigation on the accounts I List below. They responded back shortly stating that it was all verfied 100 %. 
But theres no way that it was verified and it wasnt 100 % accurate. I know that the FCRA states 15 USC 1681 everything has to be % 100 accurate to be reporting on my report. On XX/XX/XXXX I sent another certified letter asking for a reinvestigation due to innacurate information reporting still on my report I asked how did you verify these accounts as accurate? I told them 15 USC 1681 ( S ) ( 2 ) states its the furnishers responsibility to responsibility to be report to cra and its there responsibility to make sure its % 100 accurately reporting on my credit report. 15 USC 1681 section 602 States I have the right to privacy.15 USC 1681 Section 604 Serction 2 states a consumer reortimng agency can not furnish a account without my written instructions. I have been violated and under these grounds there needs to be deletion of accounts I list below. I gave them the account info with the inaccuacies and an opportunity to follow the Law according to the FCRA. 1 week and half later they sent me back " VERIFIED '' NO CHANGES. They didnt even send me a updated report the first time or 2nd timen stating there findings. I totally feel Experian doesnt care about what the FCRA says when it comes to my credit report that is why Im coming to the CFTB . These are the accounts with inaccuracies XXXX # XXXX payment status inaccurate, showing scheduled payment amount on a closed account, no closed date, no last activity date.XXXX XXXX XXXX  XXXX XXXX payment history showing 180 days consecutively, they took payments but never applied to account, they never sent me billing information.XXXX XXXX XXXXXXXX XXXX XXXX pay history inaacurate showing 60,30,30 late reporting.XXXX XXXX XXXXXXXX # XXXX showing closed account but showing scheduled payment amount, no closed date showing, no last activity date showing.XXXX XXXX XXXX XXXX XXXX XXXX XXXX no date last activity. XXXX XXXX XXXX XXXX # XXXX shows charge off amount is diffrent than balance owed amount in unpaid balance section, showing usage, showing credit utilization, IRS states that all chargeoffs are considered gross income 1099 -C therefore shouldnt be on credit report only debt not income should be reporting on report. XXXX XXXX XXXX XXXX # XXXX chargeoff amount is diffrent than balance owed amount, showing credit utilization, showing in pay history XXXX  XXXX, XX/XX/XXXX XXXX  IRS states that chargeoffs are 1099 C considered gross income and shouldnt be on credit report only debt on credit report not income reporting on credit report.
Product: Money transfer, virtual currency, or money service

I have an active account on Coinbase Pro online exchange platform. On XX/XX/2019 and unauthorized user gained access somehow to my account and transferred all digital assets to unknown addresses. The USD value of my account was {$2600.00} of which I transferred directly by ACH from my bank account. 

The assets were digital currencies : BTC & LTC in which I had two open limit orders. The unauthorized user closed my open trades and withdrew the digital coins to two unknown addresses. The transactions are as follows : BTC : XX/XX/2019 - XXXX XXXX XXXX   BTC  : XXXX USD VALUE : {$2000.00} Destination Address : XXXX Transaction Hash : XXXX LTC : XX/XX/2019 - XXXX XXXX XXXX LTC : XXXX USD VALUE : {$380.00} Destination Address : XXXX Transaction Hash : XXXX I have contacted Coinbase support but have not received any response. My account had all security protocols in place at the time. 2FA and white listed withdrawal addresses. I do not know how this happened.
Product: Credit reporting

My credit card with XXXX XXXX was charged off in XXXX 2016. XXXX XXXX has been reporting that charged off account as late & over the limit every month since it has been charged off to all XXXX credit bureaus. This is a huge concern. Please resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX made a Typo in my SSN number entry that led to incorrect SSN number update in XXXX XXXX and Equifax records. 

This further caused issue in my Federal Refund that is now delayed, IRS issued letter XXXX which requires me to verify my id on XXXX that uses XXXX  for reference and the online ID verifications are failing. 

I suspected and then got the typo in my SSN corrected at XXXX XXXX XXXXXXXX on XXXX XXXX, and also raised individual dispute cases with Equifax, XXXX & XXXX , however my SSN data have still not been corrected. XXXX XXXX dispute notification now incorrectly states 'The issue date of Social Security number that you gave us when you contacted us is not verified by the Social Security Administration ', while infact they did not ask me for this information during my phone call with them, and the documents that I have uploaded for them are scanned copies of my original SSN card, W2 and my license. 

I am now unsure if it is a XXXX problem or XXXX, and they are making me go pillar to post without taking full accountability to correct my personal information in their records.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX # XXXX XXXX XXXX, XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$8900.00}.
Product: Credit reporting or other personal consumer reports

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 I want incorrect information to be deleted that does not belong to me.
Product: Credit reporting or other personal consumer reports

Upon me pulling my credit to Buy a house, i notice a XXXX XXXX  on my credit reports
Product: Mortgage

Requested mortgage assistance with my current Mortgage company several times. 
we received decision of request for mortgage assistance stating we were denied for several credit reasons and loan was modified once in the last 12 months or 3 times over the life of the loan set fourth by the owner of the loan. Their mortgage servicing records are incorrect, we have not received mortgage assistance with the last 12 months nor has the loan been modified 3 times. We have requested from Ocwen/PHH the note, deed and transaction history on our mortgage. We don't want to lose our home Ocwen is very difficult to work with and is unwilling to assist us. 

Please Help