23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The recent PSLF waiver prompted me to do a manual recount for myself. I realized 36 months were listed as in forbearance. The years are XXXX. 

To refresh my recollection, I searched my XXXX email because this was easy and fast. 

Since I archive email, I located all email correspondence from all the previous servicers, including the monthly statements and payment confirmations. 

From this research : In XXXX, XXXX was the servicer for the Direct Loan Consolidation. 

In XXXX, XXXX transferred service to XXXX. 

In XXXX, XXXX transferred service to XXXX. 

In XXXX, XXXX transferred service to FEDLOAN. 

In XXXX, I pursued forgiveness by completing ECF PSLF TEPSLF. 

TEPSLF and PSLF were both denied but I got updated counts for both. 

Most of my past payments were made on inelligible payment plans. 

I have worked for the same quailified employer since XXXX. 

The entire 36 months with XXXX, the payment history and repayment status is wrong in both FedLoan Records and studentaid.gov XXXX replied they do not do these loans, records were sent to nee servicer in XXXX so I need to get records from the new servicer. 

XXXX services said to contact XXXX. 

I have not heard back from XXXX or FEDLOAN.
Product: Credit reporting

Ive been writing and mailing INNOVIS to remove erroneous information off my credit report, however, they are refusing to properly investigate my proof and correct the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car from capital one, the car is paid off I HAVE THE TITLE, no liens no issues with it the car is mines since they sent me my title and they are inaccurately reporting it as delinquent, I have proof of the vehicle being mines. I also have filed an FTC report because this is holding me back when I go to dealerships they see that the car is mines but its reporting inaccurately. I want this fixed and handled and behind me i have been going back and fourth for the last 2 years about a car I own. If i didn't own the vehicle or if it was bad debt, why do I have the title signed from capital one to me?? I dont know what is going on there end but it has nothing to do with me, I am debt free with them and I want my report to show that or to completely delete the account.
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 a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$5800.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$2800.00} XXXX  XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$810.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXXXX/XX/2024 XXXX XXXX XX/XX/2024
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 : 1. XXXX Account number : XXXX, Account name : 2. XXXX, Account number : XXXX, Account name : 3. XXXX Account number : XXXX, Account name : 4. XXXX Account number : XXXX, Account name : 5. XXXX Account number : XXXX, Account name : 6. XXXX XX/XX/XXXX Account number : XXXX, Account name : 7. XXXXXX/XX/XXXX Account number : XXXX, Account name : 8. XXXXXX/XX/XXXX Account number : XXXX, Account name : 9. XX/XX/XXXX Account number : XXXX, Account name : 10. XXXX Account number : XXXX, Account name : 11. XXXX Account number : XXXX, Account name : 12. XXXX Account number : XXXX, Account name : 13. XXXX Account number : XXXX Account name : 14. XXXX XXXX XX/XX/XXXX USA Account number XXXX Account name : 15. XXXX XX/XX/XXXX, XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following ms 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

XXXX XXXX showed up at my place of business, today XX/XX/2022 around XXXX XXXX  XXXX, for debt collection and gave the salon owner his card from Lien Receivables LLC, which is a clear violation of FDCPA.
Product: Money transfer, virtual currency, or money service

I had sent a transfer for an item for the amount of XXXX $ on XX/XX/XXXX to be completed on XX/XX/XXXX and the seller has since said that his account no longer works and to send it to a new account. The seller won't answer my messages or calls and will not refund the amount. No confirmation the item has been sent, and in trying to create a dispute that PayPal backs its marketing on financial security. Their website does not work and I can not make a complaint. When I call PayPal 's customer service I can never get a representative and the line always goes dead before any resolves had been made. Looking at previous comments made by other users, many people have the same issues that do not seem to get resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone added me as an authorized user on their American Express card. Amex did not disclose that it will report the opened date of the account instead of the original primary account holder information as it is. They never disclosed the right information and what they reported impacted my credit score and the age of the accounts. Amex is not following the same practices that other credit card companies follow. I want to report this so that the Amex policies can be audited.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, Creditor : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$30000.00}, XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX XXXX XXXX Account number XXXX  Date opened XX/XX/XXXX Balance {$3000.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$6800.00}, XXXX XXXX XXXX XXXX Account number XXXX  Date opened XX/XX/XXXX Balance {$25000.00}, XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$3700.00}, XXXX XXXXXXXX XXXX Account number  XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$4800.00}, 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 instructions
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : 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: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of the following accounts : Company or Organization : XXXXXXXX XXXX Account Number : XXXX Company or Organization : ORIGINAL CREDITOR Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXXXXXX XXXX  Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXXXXXX XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. None of these accounts were opened, made, or initiated by me. All of the aforementioned items are the result of identity theft and fraud. 

I have attached any relevant documentation, including proof of my identity and any evidence supporting my claims regarding the fraudulent accounts. 

Plaintiff Signature : XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is regarding an issue with my credit records that has significantly impacted my ability to apply for a Home Equity Line of Credit ( XXXX ). 
On XXXX recent occasions, my credit records could not be retrieved : Before XXXX XXXX XXXXXXXX XXXX XXXX XXXX attempted to pull my credit but received the result " No Records Found. '' On XX/XX/year> XXXX attempted a credit pull again with the same result. 
This is unexpected and concerning because : XXXX years ago, my credit score was successfully retrieved with a score of XXXX. 
I recently spoke to an XXXX representative who confirmed that I have a credit score of XXXX. The representative mentioned that a " lock '' might be the issue and advised me to contact XXXX XXXX XXXX at XXXX. 
Unfortunately, when I called the provided number, the automated system prompted me to upgrade my XXXX account. After following the instructions, I upgraded my account. Yet the issue remained unresolved, leading to frustration and a repetitive loop. 
To further investigate, I pulled my credit report at the auto dealership, where I work. The result was identical to what the bank encountered : " No Records Found. ''
Product: Credit card or prepaid card

I received an electronic statement from Kohl 's on XX/XX/2019 indicating that my account payment was overdue. Prior to this message, I had not received either and electronic or paper statement indicating that I had any charges that were due. The online account showed 2 statements ( dated XX/XX/2019 and XX/XX/2019 ) with late charges and interest penalties added to the balance due. I called Customer Service to let them know that I had not received any statements prior to XX/XX/2019 that informed me that I had a balance due on my account. Kohl 's Customer Service representative said they could remove the late penalties but not the interest charges. I asked for a revised statement reflecting the amount owed based on my actual purchase and they refused to send me anything or post a revised statement on my online account. They said the payment transaction had to be done over the phone. I asked to speak with a supervisor and to be connected to the credit card/billing department directly because I wanted to resolve this without impairment to my credit rating. I was denied both requests. I asked for documentation to be provided to me that showed Kohl 's had sent me an electronic bill prior to XX/XX/2019 and they said they didn't have those records. I paid the amount owed on my account ( without penalties and interest charges ) and I received a letter dated XX/XX/2019 ( the same day that I called Customer Service ) from the Collections Department stating that my account was delinquent and that I had to notify Kohl 's to dispute the validity of this debt or any portion thereof.
Product: Credit reporting or other personal consumer reports

From XXXX of XXXX through XXXX of XXXX I disputed several accounts, inquiries and inaccurate information on my credit reports from transunion, XXXX and experian. They did not send any references of the information I requested such as documentation indicating the said companies had agreements with me. The responses came back in less than 30 days that the information was accurate with no details and stayed on my reports.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Accounts - Summary XXXX XXXX Experian Last Updated XXXX, 2022 Payment Status Unpaid balance reported as a XXXX  by XXXX XXXX Worst Delinquency Charge Off/Other Derog Balance {$4700.00} Credit Limit XXXXi I have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you summitted to the IRS please remove and suppress. please update credit report
Product: Credit reporting or other personal consumer reports

The following should be removed from my credit report please. 

XXXX XXXX- do not recognize at all. I want Repositories to remove this and the so-called 'inquires ' are XXXXXXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX. 
XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Debt collection

XXXX XXXX Mei Dear XXXX XXXX I am writing to formally request that you cease and desist all communication with me regarding the alleged debt associated with account number auto finance I believe that your attempts to collect this debt are in violation of the Fair Debt Collection Practices Act, as I have disputed the validity of this debt in writing and have not received proper validation from your agency. 
I am requesting that you provide me with proof of the debt and cease all collection efforts until such time that you can provide me with the necessary documentation. 

Failure to comply with this request will result in further legal action being taken against your agency. 

Sincerely, XXXX XXXX
Product: Debt collection

Heartland Resolution Group sent me a collection letter dated XXXX XXXX XXXX trying to collect a debt from XXXX. They did not send me notification that they had acquired my debt and did not verify my debt. I had been receiving collecting calls from them as well before I changed my number. They are trying to collect on a debt that is over 11 years old! This is unacceptable and violates the Fair Debt Collections Practices Act in numerous ways. I called them once I recieved the letter and they told me the client withdrew their request to collect the debt and not to worry about it. I asked if I will receive a letter saying that and they told me maybe.
Product: Money transfer, virtual currency, or money service

I found out today that Capital One Investing ( which was " XXXX '' ) closed my account that I had XXXX and XXXX stock in. I received an email that had a subject line of " Your statement is now available '' -- that was the way that the statements have by sent for many years. When I went to see how the stocks were doing, the email I referred to said that my account had been closed! I called Capital One, and after a long hold, the customer service rep said they had no record of my account and to try XXXX, When I called XXXX, they told me my account had escheated to the state of Ohio. I have no access to any of my statements now. I filed with the Ohio Secretary of State 's office of Unclaimed funds, but I have no idea how my investment lost so much money.
Product: Checking or savings account

This complain is follow up on previous complain CFPB Case # XXXX On XX/XX/XXXX I contacted Citi Bank in regards to 5 transactions on my account which I did not authorize & I don't know where my money went. Those transactions were following dates & amounts : XX/XX/XXXX {$13000.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$18000.00} XX/XX/XXXX {$18000.00} Total amount I disputed was {$80000.00}, Citi Bank gave me a name where those transaction went through & I did not recognize that name. Citi Bank advise me that they will investigate it & credit my account. I even called that bank also & i was told that there was no account under my name at that bank told me in order to investigate I have to file dispute with Citi Bank. I was told that I need to open a new account and close old one. 
I opened new account with Citi Bank at XXXX branch, after few days they closed my account also & nobody knew any answer & was told that I would get a check in the mail. 
on XX/XX/XXXX I received a check in the amount of {$83000.00} which i deposit in my capital one account which was later returned as stop payment. Since than I am getting run around from Citi Bank. 
I just need my money back & Citi Bank is claiming that those ach transactions I did it, than I need proof if I did it, what kind of investigation Citi Bank did it & which account money went to because that bank did not have any record for that. 
In my opinion Citi Bank took my money or they lost it somewhere. 
I am trying to sort out with Consumer Financial & Citi Bank otherwise I am going to take legal action against Citi Bank.
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/XXXX, I used Chase 's Quick Pay feature to send {$350.00} to a woman named XXXX XXXX. 

Unfortunately, Chase did not send the funds to XXXX, but instead to another person who stole my money and did not return it. 

I reached out to Chase and explained the situation, I opened a case of fraud ( Claim # XXXX ) They said they would investigate further. They initially gave me a credit, but then reversed it and said because I authorized the transaction, they were not responsible for delivering my funds to the wrong person. 

After escalating multiple times, they would not return my money.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro 2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and an other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '' as you have previously, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste valuable time. The negative accounts have been placed in Collection/Charge-off/Late Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt . XXXX and the creditors reporting collections/Charge Offs, late payments, and other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against ALL entities involved. Also, Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumers report. ( LexisNexis, XXXX, XXXX, and XXXX  ) is in violation of said section for furnishing this information on my consumer report, i which they obtained illegally from Lexis Nexis under false pretenses in which they've obtained it from the electronic system know as XXXX. Per XXXXXXXX XXXX  website, they do not give, sell, or transfer any personal information to ANY third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Im not sure how long I closed account, but than over charging fee