23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I deposited {$4000.00} in funds into a bank account and the funds were inaccessible for nine business days due to a hold. When calling the bank, XXXX refused to remove the hold or allow me to access my money and told me that I agreed to the disclosures, which were over a XXXX pages long and very confusing to read.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Equifax sent me a letter notifying me that the report they removed off my credit would be put back on. Equifax put XXXX XXXX back on my credit report and damaged it and dinged my credit report XXXX points. Equifax is now reporting false information on my credit report. The loan was for 60 months and started on XX/XX/XXXX the whole loan amount was {$20000.00} with down payment. Equifax is reporting the original loan amount is {$11000.00} false statement, Equifax is reporting the amount I have paid is {$9200.00} false statement I have paid {$17000.00} and at the end of the loan on XXXX XXXX I will have paid {$19.00} XXXX plus my down payment I will have paid over {$20000.00}. Equifax is reporting my remaining balance is {$2400.00} false statement remaining balance is {$2600.00} Equifax is reporting my actual payment amount was {$650.00} false statement I have paid {$17000.00} and at the end of the loan on XXXX XXXX I will have paid {$19000.00} plus my down payment I will have paid over {$20000.00}. Equifax is reporting my remaining balance is {$2400.00} false statement remaining balance is {$2600.00} Equifax is reporting my actual payment amount was {$650.00} false statement my last payment was {$320.00}, Equifax is reporting my last payment date was XXXX XXXX false statement it was XXXX XXXX is reporting 120 days past due false statement. Equifax is purposely and maliciously ruining my credit. I fell out of escrow last year due to Equifax false reporting and not removing account and false information in a timely manor.Equifax sent me a letter of reinsertion and that has wrong and false information.Aparently Equifax does not care about reporting correctly and they dont care to remove a account permanently when information is not correct since I have been complaining about this account for over a year. Equifax removed the false information one time and then put the same false information back on my credit report I have XXXX disputes with Equifax and all are for false or inaccurate information on my report and and over half give or take or for the same account XXXX XXXX. I called Equifax and spoke with XXXX XXXX badge number XXXX and he was to open a dispute and investigate the issue no dispute was ever opened by the EQUIFAX Supervisor.XXXX XXXX has been sued by the attorney general in for bad loans and subprime loans and bad lending practices .A 60 month loan at {$320.00} a month since XXXX XXXX is more then the {$9200.00} being falsely reported since XXXX.
Product: Debt collection

This company marked my dispute with the CFPB as duplicate which its not! XXXX ... This company is not properly licensed to collect in the state of Alabama or New York XXXX I asked them to provide proper license. Also, I don't have a contract with this company and never done business with them. Since you can't provide the proper documentation consider this a cease and desist.
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. 

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  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, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX # XXXXXXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2200.00} ; XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXX XX/XX/2023
Product: Debt collection

Notification was sent regarding alleged debt that was owed to LVNV/ ERC. No accounts have been opened by me with the above companies or their associates. The age of original account is too old to pursue collection. Several attempts were made to resolve issue of debt via certified letters including pay to delete letters. No responses received from any letters sent except XXXX Verification of debt sent by agency which proved inaccurate. No records available. Making contact with the agencies including the Credit Reporting have proven futile. Yet this old alleged debt still remains on my reports due to their negligence and refusal to cooperate. Course of action taken has been approximately XXXX year with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE HAS STOLEN MY IDENTITY! I SAW THAT THERE WAS A INQUIRY FROM VW CREDIT ON MY XXXX CREDIT FILE AND I CONTACTED AUDI FINANCE AND XXXX AND THEY AUDI REMOVE THE INQUIRY ASAP AND THEN THE ACCOUNT CAME ON MY FILE ABOUT A WEEK LATOR! AUDI FINANCE TOLD ME THAT SENSE THE INQUIRY WAS REMOVE THE ACCOUNT WILL NEVER SHOW UP. THE ACCOUNT IS FRAUD AND EVEN THE ADDRESS IS FRAUD LIKING THE ACCOUNT. THEY ARE REPORTING UNDER XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX, I LIVE AT XXXX XXXX XXXX XXXX, XXXX XXXX NC. PLEASE REMOVE ASAP. MY ATTORNEYS WILL BE HANDLING THIS IF NOT REMOVED
Product: Debt collection

I do n't know which XXXX XXXX XXXX is this account reported to you
Product: Debt collection

I never received notification of this debt. Nor have i received notification of my right to dispute this debt
Product: Credit card or prepaid card

The card is a XXXX XXXX rebate card through Bank of America. There was {$40.00} remaining on the card when it expired in XXXX 2020. I contacted the company to request a replacement and was told there is no balance remaining on the card after expiration and that they could not issue another card ( there exact response to my email is pasted below ). I feel that this is not right and that they basically stole {$40.00} of my money. Please help me to get my money back. Thanks! 


response from Bank of America XXXX : Our apologies we are unable to assist. Once this card type expires, as described in the cardholder agreement and all of the information in the card package, there is no value after expiration. We can not issue another card since there is no balance and the account is closed. 



Thank you, Bank of America Customer Service
Product: Student loan

loans serviced by XXXX XXXX. I was mislead by customer sevice more than once re : available options for consolidation and refinancing. told it was a bad idea to consolidate. not informed re : forgiveness options for working as a registered nurse. as a result I could only afford to make interest payments and was not given proper information until loans taken over by Navient
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are opened fraudulently without my consent remove this now
Product: Mortgage

I inherited a home from my grandmother after her death on XXXX XXXX, XXXX. She had taken out a reverse mortgage on the home before she passed, but when I notified the company about her passing they told me that I needed to submit paperwork to them. I immediately started the process of giving them whatever they needed from me and then they informed me that I to file the paperwork in court. I did so, and sent them all of the necessary documents at least four times, along with the notice of intent that was mailed to me ; stating that we intended to refinance the home. They never sent us back any correspondence, not even a pay-off request letter but started foreclosure proceeding in XXXX XXXX. I was told this from the law firm that they hired to do the auction sale. I received notice of this on XXXX XXXX, XXXX via certified mail from their attorney stating that the home was going up for auction on XXXX, XXXX at XXXX. That stated that they never received any paperwork from me, but I said that this is not true because if you never received anything from me, then how is it that the attorney that you hired to handle the proceedings knew that I was the executor of my grandmother 's estate? They could not answer this question. Then they went on to say that they could n't speak to me because I 'm not authorized on the account. Lastly, as of XXXX XXXX, XXXX I spoke to XXXX at Reverse Mortgage Solutions, and she said that they received some of the paperwork from me but not all of it. I told her that this is far from the truth and that I had just sent everything over again 3 times. XXXX copy certified, XXXX copy faxed, and the last copy regular mail. She then notified me that they would need a request pay-off letter from me, and a letter of intent, along with a request to stop the sale. I have again complied with everything that they have asked of me, but at this time I feel that they have failed to do what they needed to do to ensure that my grandmother 's home is saved. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to Title 15 Chapter XXXX XXXX XXXX XXXX has committed individual actions against me beginning in 2018. They also involved a 3rd partly, NCB Management, who also violated Title 15 Chapter XXXX. Both companies have committed Criminal and Civil actions of willful non compliance and negligence. Both have infringed on my name that is protected by copyright laws and my right to privacy. I have sent both organizations Notice of Fault letters along with invoices itemizing each violation under Title 15 Chapter XXXX. Both refuse to uphold the law that relates to their individual actions and both have yet to settle this matter. Moreover, XXXX XXXX XXXX has only removed the account in question from 2 credit reporting agencies. They continue to defame my character and cause injury to me and my family.
Product: Vehicle loan or lease

I have been paying this car loan off for the pass two years and my loan balance is still pretty much what it was when I purchased this vehicle. No matter how early I pay this loan amount is not changing. Right now it states XXXX balance for a XXXX XXXXXXXX this is identical to the same price it was over a year ago and I pay XXXX a month. This can not be legal. The name of the company is flagship and this is predatory. I can not even sell this car to a company that buys financed cars because they stated this vehicle is not worth anything close to this when I purchased this vehicle it was for XXXX dollars. This car loan is not going down and I need to get out of this deal I have gave them all together well over XXXX grand and have not put a dent in this car loan. There is no way this company is using a legal practice for this car loan. Then when I asked the pay off amount if it was paid early its the same exact price thats left meaning the interest that would be for the future is automatically charged. I feel as if I was scammed into this contract when I was in need. I have a XXXX credit score please help me this is not ok.
Product: Checking or savings account

On XX/XX/year>, I deposited a {$3600.00} financial aid refund check from XXXXXXXX XXXX XXXX XXXX into my Chase checking account. Instead of making the money available, Chase withheld the funds, saying they needed to verify the check because of my account history. 

On XX/XX/year>, I called Chase to dispute this. They told me they needed to contact my college to confirm the check was real. I provided them with the official phone number for my schools financial aid office, but later, they said the number was invalid. However, this is the same number listed on my colleges website, and it is how students contact the financial aid office. 

I believe Chase is unfairly holding my money. They are treating me like I did something wrong because of a completely unrelated fraud incident that happened months ago. Back then, I was scammed by a fake job offer that I thought was real because it was sent to my school email. As soon as I realized it was a scam, I reported it and took steps to protect my account. That situation has nothing to do with my financial aid check, which is legitimate and issued by my college. 

I have called Chase multiple times, but they still havent verified the check or given me a clear timeline for when I will get my money. I need these funds for school and living expenses, and Chase is making it impossible for me to access them. 

Actions I Took : XX/XX/year> Deposited my financial aid check. 
XX/XX/year> Called Chase to dispute the funds being held. 
Provided Chase with my colleges financial aid office phone number. 
Chase later claimed the number was invalid, even though its listed on my colleges website. 
Followed up multiple times, but Chase still hasnt resolved the issue. 

What I Want to Happen : I want Chase to release my financial aid money immediately since I have already provided everything they asked for. If they wont do that, they need to explain exactly why and give me a way to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several hard inquiries on my credit report. I reached out to XXXX the company who pulled the hard inquiry, after several week going back and forth XXXX XXXX XXXX informed me on XX/XX/2020 they would notify Experian to update the inquiry from a hard inquiry to a soft inquiry. As of today XX/XX/2020, nothing has been.
Product: Mortgage

I was searching for a Lender on XXXX and notice this conpany.. but I did not see an XXXX number. Are they licensed? I did not see a XXXX number on their website either. 

XXXX
Product: Student loan

I have made several payments that have been deemed ineligible towards PSLF by fedloan servicing. Fedloan servicing has reported that there is " No Bill Being Due. '' I completed a privacy act request and got all my loan records from Department of education from XXXX-current. I uploaded these documents which showed that I made the payments and they were processed by the previous loan servicer. Fedloan servicing said that they reviewed the documents on XX/XX/2021 and closed the case without adjusting the count. Additionally some of the dates that say " no bill being due '' were times when my loan was being transferred between servicers or my annual IBR payment was being recalculated. Is the phrase " no bill being due '' a catch all for payments that the servicer can't figure out because of poor record keeping? Additionally, just because a bill was not generated does not mean that those payments don't count. Currently during covid-19, bills are not being generated and the monthly payments are counting as long as we are employed in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX 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 XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri Revised Statutes, specifically Section 570.223, which covers identity theft. 

It has unequivocally come to my attention that XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri law, under Section 570.223 of the Missouri Revised Statutes, emphasizes the gravity of unauthorized access and misuse of personal information, particularly in cases of identity theft and fraud. This statute further underscores the importance of ensuring that consumer information is handled lawfully and only with proper consent.

I assert with unwavering certainty that I have not provided consent for ATLCAPBKSELF to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws under Missouri Revised Statutes Section 570.223 .

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Bank account or service

Cities bank located at XXXX XXXX XXXX stole funds from my checking account.By sending payments to a company that was paid off in XX/XX/2014.of said year.It made my account seem overdrawn which it was n't.
Product: Debt collection

I received a collections letter from CBE Collections Group Inc. on XX/XX/2023. I made a call to them about the debt owed of XXXX, and made them aware that I had no knowledge of this debt. CBE Group advised me to call XXXX and open a fraud case and I did that. I spoke to XXXX XXXX XXXX and they told me to fill out identity theft package and file a police report. I did that and turned in all information and was told they needed more information. Stated it wasn't deemed as fraud. I am disputing this because it is not my debt.
Product: Student loan

I have reached out to Nelnet to get more information about my loans and only received very generic information back. I applied for the SAVE program back in XXXX but have not been able to verify if I am still in that program at this time. I just graduated with my XXXX 's in XX/XX/XXXX and have not had to make any payments yet. I am not sure where I stand in my IDR plan.