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

Equifax is violating the FCRA by not blocking and removing fraudulent accounts!!! I have sent in police reports and ID THEFT affidavits and troves of other supporting documents clearly showing this to be the result of ID THEFT, All I keep getting told it that they are begin verified as belonging to me!!! How can this be when the other agencies have removed these fraud accounts with the supporting documents? Equifax needs to follow the law and remove the following!!! 
1.XXXX XXXX XXXX Account XXXX XXXX Date Opened XX/XX/XXXX Balance {$10000.00} 2.XXXX Account # XXXX Date Opened XX/XX/XXXX 3.XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Equifax has also ignored a XXXX complaint that I filed against them by saying that my info does not match even though I sent them the required documents verifying my ID>
Product: Checking or savings account

I opened a checking account at Chase Bank. At that time I was going online to try and get a loan. I received a response from a loan company saying I was approved but I needed to verify my checking account. I was told that in order to do this the company would deposit a certain amount into my account and then I was instructed to withdraw that same amount and send back to them. As this was the first time I have ever tried to apply for any loan online this didn't register to me that it was a scam. Needless to say that fraudulent company ended up depositing 3 checks, which they had forged my name on. I immediately went to my bank and filed a report, closed the account and supplied them with every piece of communication I had with the company. I also filed a report with the FTC, FBI, and the state of California. Yet the bank is still coming after me for those charges. I have talked to numerous people at the bank and was told there was nothing they could do and I was still responsible for that debt, even despite it being fraudulent. I need help please
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im using Google Pay to receive rent money from a tenant, after leaving another service, XXXX, for a similar problem. Google Pay company demanded a government ID, so I submitted a copy of my bonafide US Passport Card. I also submitted W-9 information. The website has told me Google Pay cant verify my identity and refers me to support. The support is chat ( s ) and call centers based in the XXXX. First, I have a problem with foreign nationals handling my personal information, especially after the Patriot Act. This is absurd due to all the data mining by the XXXX  and XXXX. No foreigners should be handling social security numbers nor personal data of any kind. Second, none of these XXXX  are capable of making decisions nor resolving anything. GOOGLE makes Americans available when you are paying them for XXXX XXXX but when you need assistance with Google Pay no decision makers nor managers are available to resolve snags like this. Either Google Pay should be upfront and collect information before allowing a transaction to take place or not offer the service at all. Especially when dealing with relatively small dollar denominated amounts. Google Pay shouldnt be authorized to this kind of financial service without offering banking and credentials supervised by the Banking Thrift or Fed. My solution for now is to give me the money that is in process and then be sanctioned for suckering consumers in with free services only to whipsaw them later. They should issue a public apology and be forced to open call centers within the US.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company who has been reporting the wrong information along with the credit bureaus .... Experian and XXXX  has removed the item but XXXX  has not ... Also I have ask all three bureaus to stop reporting a negative late payment I have contacted the company and there saying that they are not reporting any late payment ... I have ask if they could send the bureaus something in writing so that this could stop having a negative affect on my credit .... I have done everything I can by calling, summit documents and still no removal. Im just asking if these items to be removed ... Thank You
Product: Checking or savings account

On XX/XX/year> I called XXXX by Goldman Sachs about why my account wont allow any transfers from my savings account. They then forced closed my account and will not say why they were doing so. The representative on the line then said that the remaining funds {$XXXX} will be mailed back out to me or sent to the account I originally sent it from within XXXX days. On XX/XX/year> I call the company once more to follow up on the account since none of the funds have been mailed or transferred back. The representative on the line says that the account is still under review and that the timeline of when the account will fully close is unknown. I then ask to speak to a higher up and she then said that no one is able to estimate the timeline in which my account will close. She then said that the account will need to be done being under review then theyll have to process the check, then it will take XXXX business days for the check to come in. I have no access to the account online because they have closed the online account and have emailed me about the account being closed on XX/XX/year> and that my statement preferences have changed XX/XX/year>.
Product: Student loan

My student loan provider recently changed to Nelnet. I created an account months ago when it first changed, and now I do not have access to my account and the password reset does not work. 
I have repeatedly contact Nelnet over the phone and via email for the last two weeks in an attempt to gain access to my account. The call wait time is always over 80 mins or more. Even after waiting for that long no one picks up. 
I have sent them screenshots and a description of the issue. I have not received any response. 
My payment will be late soon and it will negatively affect my credit. 
This is not fair to me. I never miss a payment and never had a problem with my previous provider.
Product: Debt collection

This debt collector was for an XXXX emergency vehicle ride in XXXX XXXX CT in XXXX. I explained in my dispute to XXXX that this was not my bill. They closed the dispute and stated that the bill was mine. As a XXXX XXXX XXXX, I have never, ever ridden in an emergency vehicle. I was not in the state of CT in XXXX when the charges occurred. I understand that XXXX is a common name and that there are many by such surnames. I do not understand how I was flagged for this bill. I never rode in an ambulance. I was not in CT at the time. They should have insurance card or driver license or something related to the person that was taken to the ER. IT WAS NOT ME. I do not know why XXXX did not ask for the person social security number ; or insurance card ; or drivers license or identity of the person in their vehicle. It was not me. I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX. I lived in XXXX  since XXXX with spending XXXX years in XXXX XXXX, XXXX  from XXXX timeframe. I moved from XXXX XXXX  in XXXX to XXXX  XXXX. This is not my bill. They need to explain how they targeted me for this bill and why I had no notice regarding the bill until the bill collector reported me to the credit bureau. THIS IS NOT MY BILL OR ISSUE. I NEVER WAS IN AN AMBULANCE AND TAKEN TO AN ER. Why did they give me this bill???? I am XXXX and have never been taken to an ER in my life. This is fraudlent. My case with XXXX is reference number : XXXX. My case with the debt collector is # XXXX. When I talked to XXXX XXXX at Debt Recovery Solutions, he said " Don't worry about it ''. He will take care of it. The case was closed by XXXX saying that the bill was mine. This is not true. I need this to be removed from my name. They need to find the real person who rode in that ambulance. 

XXXX, XXXX XXXX XXXX, was the ambulance company that turned this issue over to Debt Recovery Solutions. Please, please make XXXX accountable for this injustice.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 {$600.00} XX/XX/2021 {$200.00} XX/XX/2021 {$50.00} XXXX XXXX took these amounts from my bank wsfs. Turned it in to both companies. I need my money back ASAP.
Product: Credit card or prepaid card

The name of the card is CareCredit. i used it for extensive dental work not covered by insurance. I bought the " protection plan '' because my husband was ill and I was afraid I may lose my job ( and him ). My husband did subsequently pass away and when I got my last bill, i realized there was more due than the promotions amount. I called and they said that is was interest and fees for the protection plan that amounted to {$1000.00}. They told me that I should have told them how much to apply when paying the bill, I always paid more than the minium. I was NOT told that when I applied for the protection plan. I feel this was deceptive, and that the fees are exorbinant. Can I get some relief from this excessive charge? This practice is unfair and deceptive.
Product: Money transfer, virtual currency, or money service

I was scammed cash app has done nothing to help resolve or get my mobey back after i had a denied regund request
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of Identity theft and the identity theft has already been reported to Identity theft dot gov as well as the Unemployment department. XX/XX/2021, I had requested a copy of my credit file from XXXX, Experian and XXXX and they sent me my credit report instead. I have made repeated phone calls and their automated systems has been extremely difficult to use. 

I had online access to my reports and the screen timed out. I would like a complete copy of my credit file but their deceptive and unfair practices have made it extremely difficult to receive my private information in this file. 

Each Agency made me disclose my entire social security number which should not be asked for. XXXX, Experian, and XXXX could have requested the last four. 

XXXX, Experian and XXXX have my private information stored in their systems with out my consent and refuse to allow me to verify it is correct by allowing me to see ALL of it. 
XXXX, Experian and XXXX are also selling my private information with out my consent which is aggravated identity theft.
Product: Debt collection

They call and hang up when I answer, when I returned the call they ask if I am who I am and say that they need to verify employment and that I have to pay whether I want to or not. They call almost every other day and hang up and the last time I returned their call they asked me again if I am who I am and I asked why are they looking for me and why do they keep hanging up on me and once again today at XXXX on Friday the XXXX if XXXX 2016 the man hung up on me.
Product: Debt collection

I received a call from XXXX on Thursday,  XX/XX/2015, around XXXX The representative did not identify their business even after I asked them. The rep stated that they were calling in reference to a claim for an XXXX debt but did not provide me any information concerning this debt. The rep stated that a legal courier would be coming tomorrow, Friday, XX/XX/2015, to deliver certified documents. The rep asked me about doing payment arrangements which I did not do as I had no information concerning this debt.

My mom received a call from XXXX on Thursday, XX/XX/2015 from a rep who left a voicemail message identifying herself as XXXX. She left an ID number on the message.

I looked up this toll free number in Google and found out that it belongs to Kirkland Asset Management.  I would like this business to cease and desist all phone communication with me, family members, friends, and anyone associated with me effective immediately. I believe their communication with me violates the Fair Debt Collection Practices Act. Please investigate this business. 

Thanks
Product: Debt collection

The credit report continues to report that I owe {$84.00}. 
This debt was paid in full several months ago.
Product: Debt collection

Buy a business to participate and a type of presentation which ended up with my information been enrolled in a program for which I did not know that I was be held liable for any type of repayment this was totally a slam and I oppose the Debt from XXXX XXXX XXXX.
Product: Student loan

XXXXXXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations XXXX XXXX XXXX Summary and Statements of Facts. 

I was enrolled in the XXXX XXXX XXXX program form XXXX and was told an abundance of inaccurate stats to inflate and totally misrepresent the college. Still to this day, I am still paying on over {$53000.00} debt and I never got a job in the field.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that any information furnished to a consumer report must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX XXXX any written consent to to report anything on my consumer report. NO CONSENT = IDENTITY THEFT! The following inquiry is being fraudulently furnished to my consumer report. I did not authorize, benefit from, nor consent to this inquiry and I demand for it to be removed from my consumer report immediately. 1. XX/XX/2021 ( XX/XX/2021 ). If this fraudulently furnished inquiry is not removed, I will hold XXXX NA criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative and fraudulent item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXXXXXX XXXX  can not provide to me a copy of when I sent written permissible purpose to validate this inquiry, I demand it be removed in 4 days. Enclosed is the FTC Identity Theft Report which states the inquiry that is being fraudulently furnished.
Product: Money transfer, virtual currency, or money service

On Wednesday XXXX XXXX XXXX I was attempting to cash a claim check from my insurance company that was written to me and XXXX XXXX XXXX. The check was a Bank of America check so I wanted to cash it there. I initially had the check endorsed and signed over to me by the manager at a XXXX XXXX. The manager at the XXXX XXXX wrote the authorization and signed the back of the check. The first time I attempted to cash it a Bank of America the manager ( XXXX XXXX ) had me wait in the lobby while she was in her office about 30 minutes while she verified the check and what I was told called the backend for instructions. I then went into her office and asked her why is was taking so long she said I had to wait and told me I could not sit on the chair in her offices so I went back into the lobby and waited. After some time she came out and told me that she couldnt cash it because the endorsement from chase should have been done with a stamp and not in writing. So I took the check to a different chase bank and they endorsed and signed it over to me and this time it was done with the stamp. I went back to Bank of America and this time she refused to cash the check because she said it was written out to me and a business even tho it was XXXX XXXX XXXX XXXX XXXX  had signed it over to me. Im not sure if she was discriminating or not but it just seemed like she just didnt want to cash this check at all even though I did everything I was supposed to do. I also let her know I was recording the conversation because I felt she was wrong
Product: Debt collection

ATTENTION : executive department of Paypal, CEO, In reaching out to a Paypal rep today about my chargeback of {$89.00} that according to her was made before my cancelllation request and company confirmation on XXXX XXXX, I took the suggestion of the company to cancel Paypal recurring charges, days after I independently changed the options on the website to " no recurring charges ''. I also put a stop payment on the company, XXXX, right afterwards they charged me the {$89.00}.

Currently, I have a few refunds coming my way through Paypal, and my fear is that Paypal will illicitly deduct {$89.00} from my refunds before providing me with the remainder.

Again, this is illegal, and infringes on my rights as a protected consumer. 
I request equitable and fair treatment as all human beings do as such. 
Most kind regards, XXXX  XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I 've had an account with Coinbase for many years. I have been fully verified for a long time with an account withdraw limit of {$100000.00} per week. Suddenly, on XXXX XXXX, I was no longer able to transfer from my cash balance to my bank. Specifically the error message says " Before you are able to complete this withdraw, you must provide additional information ''. Coinbase already has my passport, DL, SS, address, phone number, linked bank account, etc. and my account is fully verified. I tried reloading my Passport and then my DL. Even though I 'm fully verified, Coinbase 's automated system is requiring additional information, yet rejecting all the additional information I submit. I 've written daily since XXXX XXXX and somehow managed to get 2 different case numbers ( XXXX & XXXX ). Despite my 12 messages directly to Coinbase 's customer support, I 've gotten no reply. I also reached out to Coinbase via XXXX with 4 more messages several days ago. As did my wife with 2 more messages 2 days ago. There 's been no reply. 

I would like to be able to withdraw my money.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX/OPPLNS for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX/OPPLNS, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX/OPPLNS continues its collection efforts, I will file for litigation for actual damages caused and XXXX/OPPLNS shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card or prepaid card

XX/XX/XXXX -Opened mail and noticed I received a Chase Freedom card with my name on the account. Called Chase Card ( XXXX ) XXXX and was on hold for 3 hours. Finally when rep came on the phone I told him I wanted to submit a claim for a fraudulent card being opened with my information and asked to speak to the Fraud Department. The customer service rep asked, Why dont I just keep the card? I told him, Because its fraud! I never applied for it! Waited 48 more minute and line got disconnected during the transfer to Fraud Department. 

-Went to XXXX and noticed a hard inquiry listed as : JPMCB CARD Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX -Registered my name and husband 's name to stop prescreened credit offers on XXXX -Came to CFPB website to submit a complaint XX/XX/XXXX Send a certified letter to Chase Freedom Card about the fraudulent opening of credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Account # XXXX / Account ID XXXX XXXX XXXX I am disputing the XXXX of 2021, 30 days delinquent mark on my credit report. 
this is an error please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly a charge-off on the XXXX XXXX  partial account number XXXX in the amount of {$130.00}. ( Please see page 2 of the attached credit report. ) This is a secured credit card that had a deposit and therefore there is no outstanding balance due. This incorrect reporting is harming my credit score. Please delete this line item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is sharing my information without my expressed consent. Which is a form of Identity Theft. I am aware that Identity Theft as described in 15 US Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using identifying information of another person without authority. Provide the SSA 89 form giving my written authorization to discuss matters that involve the use of my Social Security Number.