23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 

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

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a accounts 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, other than records of convictions of crimes which antidotes 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

On XX/XX/XXXX I did a Mobile deposit to a new USAA checking account # XXXX. The transaction posted on XX/XX/XXXX. This was a check for $ XXXX from XXXX XXXX XXXX XXXX issued on XXXX XXXX XXXX XXXX . Understandably the funds would not be available until transaction cleared. USAA stated that the funds would be arbitrarily held until XXXX. I contacted the bank for an explanation. They would not release the funds for 10 days. This is absurd abuse of banking practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account.

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Mortgage

I had a mortgage loan with another individual with Wells Fargo, after making 95 % of the mortgage payments myself, I took the other individual to court to get their name off of the deed which was time consuming since this person lived in another country. After the deed was filed with only my name on the deed, I filled out all the paperwork to assume the loan just in my name since it was an assumable loan. I started the process in early XXXX, XXXX  and gave Wells Fargo everything they asked for within a couple of hours or less. I closed on the loan on XX/XX/year>. Wells Fargo sold my loan to XXXX XXXX which at the time, I thought it was sold to them with ONLY my name on the loan since I had closed the assumption loan. I received some correspondence in the mail with my name and other name that was on the original loan prior to assuming the loan ONLY in my name. This started a bunch of emails and phone calls to both XXXX XXXX and Wells Fargo. I found out that my loan was sold on XX/XX/year>. My question is, how can Wells Fargo close on a mortgage loan on XX/XX/year> when they did not own my loan. XXXX XXXX owned it at the time. Why was I not told about any of this? What happened to my closing costs? I need to start the assumption over with XXXX XXXX, I want my closing costs since I will have to pay again. Is it legal for a bank to close on a loan that they don't own?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX and Nelnet regarding this issue.

XXXX  conducted an investigation and despite verifying that they received false information from Nelnet on accounts that have been closed for over 8 years, they refuse to remove them from my credit report.

Furthermore, Nelnet continues to revive the timeline on these accounts which has completely ruined my credit for nearly a decade now.

Both XXXX and Nelnet are colluding in this fraud, and I am not the only one given the numerous complaints and law suits against both.

The CFPBs lack of action in this matter is also unnerving, as this is my third complaint. Everyone just keep saying " talk to XXXX '', or " talk to Nelnet '', which I have done - repeatedly - with no resolve.
Product: Debt collection

XXXX XXXX is trying to charge me XXXX dollars for cable internet service I made multiple good faith efforts to disconnect. They refused to attend to my request in a timely manner and continued to bill me and assess late fees. 

They sent my account to a collection agency : CBE group. 

I already filed a complaint against XXXX to the FCC and FTC months ago when they tried to bill me and charge late fees. They claimed at the time, in writing, that they were not able to locate my account information and could therefore not act on my complaint. I have receipts and screenshots and phone records showing many attempts to disconnect service. 

My account number is XXXX I am planning to pursue civil action against XXXX.
Product: Credit reporting or other personal consumer reports

I am trying to get a loan through my bank XXXX bank and received a credit report that states I am un scorable so my credit score is XXXX. I have tried reaching out to Experian but not having any luck. if someone could point me in the right direction to get this rectified would be appreciated.
Product: Payday loan, title loan, personal loan, or advance loan

This credit bureaus stated my account was properly investigation but how is it possible if the open data is inaccurate, the data last active is inaccurate, and date last reported is not accurate. This account is inaccurate and original company has refused to give accurate information and has turn account over into collection and this is where we go into violations which now makes this grounds for removal they also violated my rights under 15 U.S.C 1681 section 602A 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 written instructions
Product: Credit reporting

I am filing a complaint about Experian, because they failed to provide me with the documents that they have on file, with which they used to varify accounts that I disputed. 
After 30 days Experian responded frivolously. -Section 611 ( 5 ) ( A ) of the FCRA states that credit reporting companies must " promptly delete all information which can not be varified. '' Please help with resolution to this problem. Thanks.
Product: Debt collection

Was contacted by Credence Resource Management in XX/XX/XXXX regarding a debt collection from XXXX for the amount of XXXX. Informed agency that the debt was settled for a lesser amount in XX/XX/XXXX and I believe that the debt is not valid. Filed multiple disputes with the company and the company repeatedly denied the dispute is valid. I have contacted XXXX and XXXX XXXX XXXX to resolve this matter. XXXX XXXX XXXX has communicated with them that the account is settled and to stop trying to collect on this account. XXXX XXXX XXXX has sent documentation on XX/XX/XXXX stating the account was settled. Credence has repeatedly ignored XXXX XXXX XXXX. XXXX XXXX XXXX has sent a cease and desist letter to get them to stop and that has not happened yet. They have continuously call, including calling my mother 's phone. Now Credence is emailing me saying the debt is valid.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX Then I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. XXXX is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate and XXXX is breaking the law. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This is in clear violation of my rights. This has caused severe XXXX, hardship as well as severe anxiety to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit card or prepaid card

On XX/XX/18, we purchases a musical instrument from XXXX XXXX. At the time, they were offering a promotion through XXXX XXXX for {$150.00} off through two rebates -- one for {$100.00} and the other for {$50.00}. I submitted both rebates and received the {$100.00} gift card after one additional follow up, but still haven't received the {$50.00} gift card. My rebate was submitted XX/XX/18. I followed the directions on the form and mailed it to the address. After 8 weeks, I hadn't received the card. I e-mailed Synchrony on XX/XX/18 ( see attached ) and received no response. I then called them on XX/XX/18 and was told they had received my rebate, but didn't process it because the XXXX receipt was missing information. I was never notified of this nor had they reached out to XXXX. They said they would call XXXX. I asked them to then call me back. They said they would not do that. I needed to call. I feel they are being deceptive as their form says if I don't call and inquire no later than XX/XX/18 about my rebate, I will lose my rights ( see attached form ). They are just trying to get me to lose my rebate. It is extremely dishonest and I would like you to investigate.
Product: Debt collection

IC System Inc. has violated my right to privacy by communicating this alleged debt with consumer reporting agency XXXX ( Pursuant to 15 USC 1692c ( b ) ). IC System Inc having reported this alleged debt to XXXX has caused harm to my reputation and is defamation of character. ( Pursuant to 15 USC 1692d ( 1 ) ) This company sent sent an Affidavit of Truth, Cease & Desist with specified remedy, and an invoice on XX/XX/2021 and sent vis certified mail with return receipt.
Product: Checking or savings account

Discover bank constantly tries to steal money. I called everyday for bank card. Its XXXX and I'm told it was returned a week ago. I got no notification. XXXX. Customer service said she XXXX XXXX card but uts too late. I've called everyday and no knew told me. XXXX supv.
Product: Debt collection

I received a notice in the mail from the municipal bureau services in New York about a ticket that I received while I was still a minor and its about {$30.00} less than what the original ticket stated. They told me that my drivers license would be suspended if I didnt pay this off but it doesnt show up on my credit report. I already paid XXXX $
Product: Credit card

This complaint is against PayPal for their inconsistencies and discrepancy in handling of a dispute on transactions that happened on my PayPal account. I use my PayPal for purchases and payments on both recurring payments and purchases where the merchant only accepts payment through PayPal. Then I had a series of unauthorized cash advance payments on different credit cards between XXXX and XX/XX/2023. My first attempt to dispute these charges through PayPal came with a hostile response from PayPal denying my claim by comparing these unauthorized cash advance to regular purchases made which is totally absurd. I now had to dispute these charges with the credit card companies, and to my dismay PayPal continued to provide the same unscrupulous comparison of authorized purchases with unauthorized cash advances. To make matters even worse and more annoying, some of the unauthorized cash advances we resolved and others not, on the same claim that was filed. This is causing so much confusion between me and the credit card company because of the information provided by PayPal. PayPal should take responsibility that a series of unauthorized transactions is on them and retrieve the misleading and inconsistent information provided to the credit card companies. The Credit Card companies are : XXXX XXXX XXXX XXXX XXXX ending in XXXX for {$2000.00} plus fees and interest during the period of dispute since XX/XX/2023, XXXX XXXX XXXX XXXX XXXX ending in XXXX for {$1100.00} and XXXX XXXX XXXX XXXX ending in XXXX for {$1300.00} ( of the remaining disputed charges ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This company appeared out of nowhere. I did not receive any mail or calls from them or XXXX. And this is from 2016. They have various violations on my credit report. From symbols on their letterhead to stating open account. I have enclosed these violations so you can see for yourself. I am stressed out about this stuff because they should know better. If I never would have checked my credit report, I would not have known these violations.
Product: Debt collection

I paid my collection to Midland Credit Management on XX/XX/XXXX to their 3rd party lawfirm of XXXX, XXXX, XXXX XXXX XXXX. I was advised that the 3rd party lawfirm sent notification to Midland Credit on XX/XX/XXXX that my debt was settled for less than is owed. At this point Midland Credit was to remove the debt from my credit report as is their normal practice. Per my new mortgage lender ( trying to buy a new family home ), this debt is still showing a balance of {$760.00} remaining ( difference of what I settled my debt for ). In speaking with Midland, they are stating that they did received the monies collected but have not received notification of the debt being settled and closed. They sent a request to the lawfirm to confirm on XX/XX/XXXX. As of XX/XX/XXXX, they have not received a response nor have they closed my account out. This has now been over 60 days since I paid this debt on XX/XX/XXXX and is causing me to possibly lose my new home and large deposit that I have placed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX have not completed you recommendations to chase to resolve my claims as you requested under bbb # XXXX and XXXX involved file # XXXX and XXXX this also would include on XX/XX/XXXX XXXX XXXX XXXX XXXX enforcement officer announced a settlement at XXXX XXXX on my behalf as XXXX but your client fake doctor XXXX XXXX fake SSN numbers XXXX and XXXX has also gotten XXXX credit cards at chase and another XXXX XXXX XXXX XXXX ext. XXXX is handling unresolved. He went on and cash two XXXX escrow account checks in my name and reported as XXXX to XXXX XXXX XXXX XXXX. XXXX announced Tradelines - XXXX XXXX Resolve XX/XX/XXXX under consumer no XXXX and XXXX XXXXXXXX XXXX and XXXX confessed my loan was paid in full in XXXX.
Product: Credit card

Apple card and Goldman Sachs system failed to match the information. Staffs are lacking of skills. Multiple staffs dont know how to correct the phone numbers, then locked my account TIME LINE AND THE ISSUES : - New phone number was updated on Wallet 2 years ago. 
- XX/XX/2024, XXXX : I phoned Apple Card to dispute a transaction. I found out that I must input the old phone number in order to be verified and connect to an agent. 
XXXX, XXXX XXXX, Agent name : XXXX. I messaged to correct the phone number. Hesaid I can do on my setting. I said I did. He asked for information of my ID. After I provided, he said he couldn't verify. Suggest me to call. 
- XX/XX/2024, XXXX. I phoned Apple Card again, the other agent said she could not help and said another agent would call next day. 
- 2 days later, Noone called - XX/XX/2024, I still used Apple Card for groceries at XXXX XXXX market in the morning. Then return items at XXXX at XXXX XXXX  - XX/XX/2024, XXXX XXXX. I received a phone call from Apple Card Support, XXXX is a part of the agents name. He asked for multiple clarified questions, then he said there will be someone else called later. 
- After that phone call, my apple card transaction was continuously rejected at XXXX and a restaurant. That when Im notice my Apple Card and Apple Saving is locked when I opened Apple Wallet. Zero notice in email or message. 
- XX/XX/2024, XXXX XXXX. Agent name : XXXX. I phoned Apple Card Support to ask what happens to my account. He couldnt find any reason noted on the system. He said he cant help but wait for 10 days. I asked to talk to his supervisor. 
- continue the phone call I talk to XXXX, supervisor. He said he can not lift the restriction and will try to solve as soon as possible and there will be someone to call later. He confirms the system get my latest phone number and address. 
- XX/XX/2024, XXXX XXXX. Agent name : XXXX. I message to file a complaint. He asked me to change my Apple ID password before contact again. Then left the chat MY QUESTIONS : 1. what is their security purpose when they cant verify my ID and social security number information. But they accept to verify the phone number that I stopped using 2 years ago? 

2. why the information updated on Wallet doesnt match the Goldman Sachs system ? 

3. Why locks my account when its the Goldman Sachs failure?
Product: Credit reporting

XXXX/XXXX/2016 XXXX XXXX, 2016, on receiving three letters from Equifax addressing my complaints to the disputes to the false information on my credit reports. I did as Equifax 's letter requested and went online to fill out the forms. There was not enough space to accurately describe my situation. Also, when I tried to submit the information I got an error message my window had " timed out ''. Thus, losing all the information that was input. The window did not have the function to copy the information. 
My three previous complaints ; XXXX, XXXX and XXXX through the Federal Consumer Protection Bureau, have not been addressed. 
The false alias with the social security number needs to be removed from my personal information. So that the report is true and accurate. As stated in previous complaints, this is an actual person and not my alias. I requested from Equifax how that information was implemented to my identity. And have been ignored. Explaining this situation with an FBI agent, was informed that this situation is defined as " Identity theft ''. 
The false previous addresses continue to appear on my identity information. Equifax was submitted valid proof on my XXXX previous valid addresses. How did the other false addresses get onto my report and why have not they been removed? The last previous address that is correct and accurate to my information, is not there. Equifax is ignoring me on this also. 
There are XXXX XXXX credit transactions appearing in my history of which only XXXX accurately belongs to my credit history. Please block this information until the investigation is complete too being accurate and true. 
Equifax handling of an account caused a false creditor to contact me with a collection letter this week. In the form of an application requesting all of my personal private information? 
Lastly your representative ( on the last phone contact ) strongly suggested that I sign up and purchase Equifax service. At this time, your coopertion is a functional systematic failure. Equifax has all the information that it needs to correct these aspects of this situation. I have been very cooperative presenting the valid information. So that the report can be corrected to being true and accurate. And Equifax does not cooperate. Cryptic phone menus that do n't address the situation and hang up. Rude employees that refuse you service for not divulging your entire social security number over an unsecured line. And are dysfunctional with the information. Websites that do n't effectively cover the situation for which you are contacting them for and limit you so that you can not present the information. Please address these issues stated above in this letter and correct my information to be true and accurate with no false information that belongs to someone else.