23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I created a new identity theft report as Equifax is now violating 18 U.S. Code 1028A which is Aggravated Identity theft as they chose to continue reporting this false information. I had sent a previous notice to Equifax that there are some unauthorized fraudulent inquiries on my consumer report and the dates that I sent the notices were XX/XX/XXXX and the reinvestigation letter on XX/XX/XXXX. I provided an identity theft report together with my identification but they insisted that It was Factual and accurate. However when I asked for the procedures they took to verify the inquiries they did not reply. It has been over 60 days since I sent the letter. See attached letter and exhibit. I had also called in to get it removed however they said that they can't remove it because they haven't verified who I am. I told them to ask me verifying questions and to see the attached documents that proves my identity and they still have denied me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? I attached with it all the relevant documentation as evidence/proof of what I was disputing. 
But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. 
For yet another time, the following accounts are erroneous : XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX ACC XXXX - Date Opened XX/XX/XXXX, Highest Balance {$31000.00} XXXX XXXX XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$12000.00} XXXX XXXX   XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$14000.00} XXXX XXXX XXXX ACC XXXXDate Opened XX/XX/XXXX, Balance {$7200.00} XXXX XXXX  XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$13000.00} XXXX XXXX XXXX ACC XXXX , Date Opened XX/XX/XXXX, Balance {$2400.00} XXXX XXXX XXXX ACC XXXX- Date Opened XX/XX/XXXX , Balance {$11000.00} I have Attached herewith the dispute letter I sent to this company on XX/XX/XXXX
Product: Credit card

I paid my Citi credit card account in full. Additionally, I had no new charges for the month. Therefore, I would have expected that my billing statement would have a zero balance. But no. Citi charged me interest anyway that month on what they called " residual interest. '' I know of no other credit card company who has this practice. Their explanation was that I had to pay my bill in full not just for the most recent month but for 2 consecutive months to avoid interest. Wow. Talk about taking advantage of consumers! I 'm ashamed for them. It 's simply inexcusable. A sorry way to trick consumers into paying a lot more interest.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and there is inaccurate information on my account from XXXX XXXX ( XXXX XXXX ). Which was placed on my account on XX/XX/year> in the amount of {$13000.00}. According to passages 15

USC 1681 Section 602A. States that I have the right to privacy. 15 USC 1681 Section 604 Section2. States that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16666b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : # XXXX Account name : # XXXX Account name : # XXXX has violated my rights. 

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

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

XXXX XXXX XXXX, M and T bank, and XXXX is not crediting my account!! 

So the only alternative is to get courts involved!! SMALL CLAIMS AND COURT ORDERS. 

XXXX SLOW LIKE A TURTLE BUT BELIEVE ME I XXXX WORK!! 

XXXX XXXX XXXX XXXX I have XXXX case managers now. 
XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX
Product: Debt collection

In XX/XX/2018 I had XXXX XXXX. After XXXX XXXX years, a company call Collection Associates LTD contacted me in writing that I owe {$3400.00}, XXXX XXXX XXXXXXXX XXXX. I requested phone numbers to XXXX XXXX XXXX and all phone numbers are not valid numbers. ( XXXX ), ( XXXX ). XXXX XXXX XXXX website states that they are permanent closed. Talk to Ohio Attorney General and they it sound like a scam.
Product: Checking or savings account

As I understand it in XX/XX/XXXX, I was dropped from doing business with Bank of America, I have been reported by them to XXXX  and XXXX XXXX XXXX Bank of America has prevented me from opening any account due to this action, I received NO DOCUMENTATION from Bank of America. 

I have been attending to my XXXX Year Old Mother who passed away in XX/XX/XXXX I have not been involved in banking matters with Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

I have info on my credit report that is not mine and I contact the companies and advised them, that the accounts do not belong to be but they are still reporting to my credit report. the accounts are listed below, and this as much info as I know. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive diisputed this particular acct XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX and XXXX XXXX for the compay XXXX XXXX XXXX in the amnts of XXXX and XXXX which Experian keeps stating they have verified as accurate. Ive asked in each disputes how they have come to these terms and they have yet to produce. I then in XXXX filed a compliant via your portal only for the response to state company does not recognize. I sent a letter after speaking with some one on XXXX from complaint id # XXXX and another complaint was initiated only for it to come back XXXXXXXX advising same thing under complaint id # XXXX. I then sent another letter authorizing the resolution of acct via you investigation. Only for them to send me another letter stating what I disputed was verified accurate. Please help Im convinced no human is getting this information
Product: Checking or savings account

This is a problem that started in XX/XX/XXXX. My previous complaints explains that my personal checking account with Capitol One froze my account. XX/XX/XXXX. This was due to a XXXX loan deposited into my account. Per Capital One my account was closed in XX/XX/XXXX and my loan was returned to XXXX XXXX XXXX ( which this complaint is also against ) the issuing bank of my XXXX. Ive unsuccessfully been able to contact either financial institution. I am being charged for the loan by XXXX XXXXXXXX XXXX I never received the loan as it was returned. Also not allowed to have loan forgiveness that was offered to all applicants. Ive sent emails to XXXX XXXXXXXX XXXX  to verify if they received the loan back. XXXX XXXX XXXX replies that I have to contact Capital One bank for that information. Capitol One wont give me any information because they have closed my account. I am being charged for repayment of a loan that was returned.. I need assistance in resolving this matters. I need verification if XXXX XXXX XXXX received the loan back from XXXX XXXX. If the loan was returned it should be applied to my XXXX XXXX account. Neither financial institution will send proof of this transaction. Who can help govern this situation. XXXX XXXX
Product: Money transfer, virtual currency, or money service

Sending money through XXXX and not being able to get it back without warning.
Product: Student loan

I have been enrolled in the Income-Based Repayment ( IBR ) program with American Education Services ( AES ) since  XXXX  and I am required to recertify annually for the program by submitting an application along with financial documents. This year, the re-certification process changed slightly and rather than submitting my application and financial information directly to my loan servicer ( AES ) as I have done every time in the past, I was instructed to " log into StudentLoans.gov to complete an IDR application, which will be forwarded to AES ''. I followed these instructions and completed the re-certification process, submitting my application and financial information, according to the directions provided at StudentLoans.gov on  XX/XX/2017 . On  XX/XX/2017 , I received an email letter from AES stating that Since we did not receive your complete annual documentation, your new payment amount is not based on your income and family size ; however, your loans will remain on the Income-Based Repayment plan. Your new monthly payment of {$1100.00} is first due on  XX/XX/2017 . On the same day, I also received an additional email letter from AES stating that Interest has been capitalized on the loan ( s ) listed on the reverse side of this letter. This occurred because your forbearance, deferment, or grace period ended. The loans listed in both letters were the same loans.
Upon viewing this information, I made a call to AES about the loans in question and after a lengthy conversation with the representative, it was concluded by the representative that the address provided by StudentLoans.gov to mail my re-certification documentation was incorrect and instead appeared to be the address of their sister company and not AES. The address I was provided and mailed my documentation to was, FedLoan Servicing   XXXX   XXXX   XXXX  ,  XXXX , PA   XXXX  . The representative then provided a fax number and proper address for me to re-submit my information for review to which I promptly complied. However, due to this error, two events occurred which have negatively impacted me financially. First, all unpaid accrued interest on my student loans accumulated during the previous 4 years ( approx. {$4200.00} ) was capitalized on my student loans. Second, my loan payment due on  XX/XX/XXXX  increased dramatically to {$1100.00} from {$490.00} the prior month.
In addition, I take issue with the enormous amount of misinformation being provided by my loan servicer. According to their documents provided on  XX/XX/XXXX , my loans remain on the Income-Based Repayment plan to which a key benefit is deferment of interest capitalization, yet interest was capitalized on my student loans that very same day. Also, they stated that Your new monthly payment of {$1100.00} is first due on  XX/XX/XXXX , however the increase happened almost immediately with the increased payment being due on  XX/XX/XXXX 7, not  XX/XX/XXXX .
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block. Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXXXXXX {$0.00}
Product: Student loan

Dear / Consumer Financial Protection Bureau Representative, I am submitting this formal complaint to raise urgent concerns regarding the privacy and security of my personal and financial information associated with my federal student loans. I currently carry a balance exceeding {$50000.00} in federal student debt. 

Recently, I have become deeply concerned that my data, including personal identifiers and financial details connected to my student loan account, may have been compromised, accessed, or mishandled by unauthorized partiesspecifically XXXX XXXX and/or individuals or entities affiliated with him. 

Given XXXX XXXX extensive influence across multiple technology platforms, including his ownership and control over XXXX  ( formerly XXXX ), and his widely reported access to user data, I fear that he or associated parties could have improperly accessed or mishandled my federally protected borrower data. 

This concern is particularly alarming because XXXX XXXX is a private citizen and a nationalized individual from XXXX XXXX, raising additional worries regarding the potential foreign exposure of sensitive U.S. borrower data.

Specific Concerns : Unauthorized access to my personally identifiable information ( PII ) and federal loan records. 
Potential misuse or dissemination of my financial data by foreign or non-governmental entities. 
Emotional distress and ongoing uncertainty about my financial privacy and security. 
While I am not aware of a publicly disclosed breach involving federal borrower data, the pervasive data-sharing practices within large technology corporations under XXXX XXXX ownershipcoupled with his non-U.S. national backgroundhave led me to believe that my information could have been accessed without my consent. 

The possibility of my sensitive financial records being in the possession of non-governmental and potentially foreign entities is deeply distressing and unacceptable. 

Requested Resolution : In light of the serious nature of my privacy concerns, I am requesting the following actions : A formal investigation into whether my federal student loan data has been accessed, compromised, or shared with XXXX XXXX or individuals/entities affiliated with him. 
Verification and assurance that my borrower data remains secure and has not been subject to unauthorized access.

Loan forgiveness or significant reduction as a compensatory measure due to the emotional distress, privacy risk, and potential exposure of my financial information. 
Enhanced safeguards and disclosure transparency regarding third-party access to borrower data, ensuring that non-U.S. citizens or private individuals can not exploit or obtain such information. 
I am seeking prompt action on this matter, as the uncertainty surrounding the security of my financial information places me under continuous emotional and financial strain. I trust that you will treat this matter with the gravity it warrants and provide the necessary remedies. 

Thank you for your attention and swift response. 

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

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

EQUIFAX is governed by 15 USC 1681. And they violated my rights numerous of times. I demand these accounts listed be removed because ACCOUNTS : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX- # # # # # # XXXX According to 15 USC 1681 ; I have the right to privacy, and I did not give equifax written permission to furnish these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 4 BUREAUS ARE FALSELY REPORTING THIS ACCOUNT CHASE AUTO LOAN XXXX.
Product: Credit reporting

On XXXX XXXX 2016 I received a alert regarding that my score went down. When I checked there was a Hard Inquiry done on my Credit Score done by XXXX which I have n't authorized either requested any product from this company. Also this hard inquiry took my score XXXX points down. I request to revise it since this inquiry was not requested or authorized and restore my score. Also I have to mention that Transunion still has not removed old closed accounts from my Score.
Product: Credit reporting or other personal consumer reports

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was contacted by someone claiming to be with XXXX  XXXX XXXX by the name of XXXX XXXX extension XXXX. The number he was calling from was a real XXXX number. He told me a checking account was opened in my name and that they had received some suspicious XXXX transfersnone of which I had ever done. He said my account ending in XXXX was opened on XX/XX/XXXX. He said the last transaction was a transfer to XXXX XXXX for {$980.00} and {$1000.00}. He said there was an ATM withdrawal in New Mexico for {$300.00}. He gave me case no. XXXX. He told me to call XXXX immediately and gave me cancellation code XXXX. He said to call XXXX at XXXX XXXX and to press XXXX for sales support. The number he gave me was a real Wells Fargo number. I called the number and I spoke with someone claiming to be XXXX, names XXXX XXXX of customer Service. ID XXXX. He then had me set up a XXXX recipient as XXXX XXXX on the phone under the premise that I enter the cancellation code into the payment amount and no money would actually be sent. I never consented to sending any money. He also gave me a memo number to fill out. I asked him to send verification that this was actually XXXX. He sent an email under the domain name XXXX. Then when I entered the cancellation code into the payment to XXXX it came out to {$1900.00}. He said this amount will not send and that I should receive a text message so that no funds would be taken out of my account. I followed his instructions and the funds were taken out of my account and I never got a text message. Then he said there was an IT issue so he put his manager on the phone. The manager 's name was XXXX XXXX. He said my number was not getting recognized and someone had cloned my phone number so that's why I wasn't getting texts from XXXX. He had me go into my XXXX XXXX and add my debit card. He had me set up XXXX XXXX with no balance and tried having me send XXXX XXXX but assured me it wouldn't work because I had no funds in XXXX XXXX He then said that they're sorry for the inconvenience but XXXX will be issuing a refund and someone will call me tomorrow XXXX  at XXXX to confirm. I then reported all this to my bank, Wells Fargos fraud department. Someone claiming to be XXXX refund department did call me back at XXXX XXXX  on XXXX  XX/XX/XXXX on a non- legitimate number and I told them I am reporting fraud and they hung up. I never received a refund from either XXXX or Wells Fargo. I filed a police report with XXXX and XXXX  XXXX department. I also filed an FTC report. Wells Fargo denied my claim even after I gave them my police report numbers.