23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I enrolled in school in 2009 and at that time, my student loans were through XXXX XXXX. The semester prior to my last, I got married. During my last semester, my XXXX XXXX loans became Navient loans. My school hyphenated my last name to keep my maiden name and add my last name. After graduating, my student loans had been coming in my maiden name. Fast forward 2 years and my husband had his student loans consolidated and enrolled in a repayment program through a 3rd party. I wanted to do the same so that company reached out to Navient to begin the process. They ran into an issue with my last name. I had to take over the process and contacted Navient. I was forthcoming with the reason I needed to change my last name. They told me the information they needed and directed me to my online account. No matter what I did, I could not get signed into my account. On 3 different occasions, I spoke with Navient customer service representatives that told me they were mailing me the information I needed to fill out and return with a copy of my marriage license. My address was confirmed each time and each time I received nothing. The last time I spoke with them, I told them I was mailing them a copy of my marriage license and if my information wasnt updated, theyd get no more of my money. My information was not updated, in fact, I still receive daily phone calls for my maiden name telling me they need me to call back to discuss my account. I keep seeing and hearing horror stories about this company and I need to speak up as well as everyone else so this company is stopped! Due to the on going issue, the last I knew, they are claiming Im owe almost twice of what my original loans totaled. They wont be seeing one penny of that from me due to their negligence!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, in 3 credit Bureaus to remove the unauthorized inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

1. On XX/XX/XXXX, 2 of my roommates sent me Rent and Utilities money via Paypal, so i could pay the joint bills. 

2. On XX/XX/XXXX or 3rd I logged into my Paypal account to transfer that money to my checking account. 

3. When I went through the process to transfer the money to my checking account, Paypal 's web site informed me that my account had been limited due to unusual activity. Paypal prevented me from transfering my money to my personal checking account. 

4. After following a number of different screens, Paypal demanded ( via its web site ) 4 pieces of information : a. A bank statement b. A photo Id c. Proof of address. 
d. An explanation of the transactions involved.

5. Paypal limited the account access, preventing me from transfering my money, but was more than happy to allow money into the Paypal system. This created a situation where Paypal is holding my money after taking it in, knowing that they were not going to let me transfer my money out. Paypal should have prevented money from coming into their system if they were going to prevent it from coming out, and hold that money hostage. 6. Attempting to contact Paypal to resolve this issue w
as a nightmare. The 888 number hang-up on me and would not put me through to a human. The web site is filled with circular references. Trying the " Message '' feature lead to conversations with chatbots that were no help. Getting through to a human was almost impossible. It is clear that Paypal does not want to speak to people about the money that Paypal is holding hostage. They refuse to communicate, and place customers in an extortionist situation. Paypal has your money, and refuses to speak with you to resolve the situation. 

7. After numerous communications with Paypal, providing ALL the requested information after the extortion that they would only give me my money if I provided the documents, Paypal decided to close the Paypal account. This is perfectly fine, but Paypal has also refused to return the money to the senders, or give the money to me.

To summarize : 1. Paypal accepted a money transfer for me, despite placing my account on hold. 
2. Paypal demanded information and refused to return the money to the senders or give it to me, creating an extortion attempt. I had no choice but to provide the information if I wanted my money back.

3. All requested information was provided.

4. Paypal choose to close the account AND hold onto the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
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 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 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

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 )  XXXX XXXX ( XXXX ) ACCT # XXXX ATTACHED LETTER 2 ) EOS CCA ( XXXX ) ACCT # XXXX ATTACHED LETTER This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies.

This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached  certified letters that were sent ).

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation.

In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported
within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.

I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I was shocked to discover inaccurate accounts on my credit report tonight, and Im completely at a loss as to why theyre there. I check my credit report regularly, and this time I was stunned to find discrepancies out of the blue. I even tried refreshing my browser, thinking it might be a glitch, but the errors persisted. Im asking that the documents Ive provided be thoroughly reviewed so I can stop worrying about this happening again.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion unlawfully placed negative items on my credit affecting my ability to procure goods and services. XX/XX/year>. They continued to do so after receiving my Power of Attorney, Common Law Copyright, Indemnity and Trademark of my name.
Product: Money transfer, virtual currency, or money service

I received an email from Venmo stating my account had been suspended for suspicious activity and that my account would be suspended until they hear back from me. They requested my photo ID. I sent it. They also requested a password reset, I did it. They still have yet to unfreeze my account. This account has XXXX $ in it including mine and my kids accounts. I tried to call the company and they said there is nothing they can do, that I have done nothing wrong, it just happened. When I asked to speak to someone, they said there is no one in this department reachable any other way than email, and they dont respond to emails.
Product: Debt collection

CFPB File XXXX was filed regarding unlawful collection practices by : Enhanced Recovery Company, LLCXXXX XXXX XXXX, Florida XXXXIn their response to the CFPB complaint, in an excerpt of the company 's representative response was as follows : " Additionally our agency has submitted a deletion request will all credit reporting agencies with the account and our office. The confirmation of this request is XXXX. '' This document is attached. 

However, as of this date ( XXXX XXXX, 2015 ), the credit reporting agencies continue to report this matter on my credit files. 

As there are XXXX Credit Reporting Agencies, and Enhanced Recovery Company gave only XXXX confirmation number in their response, it seems there is a willful and malicious attempt to deceive both the CFPB and myself. 

In order to remove the report from each of the XXXX credit reporting agencies, XXXX confirmation numbers would be required. These files can be removed immediately without delay by a company that wishes to remove them. The Credit Reporting Agencies simply report the information reported to them and are required by the FCRA to immediately remove any information as directed by the firm that files the erroneous, or wrong report. 

I am asking that the CFPB impose sanctions on Enhanced Recovery for their deceit in removing the file as they indicated in their correspondence regarding the above listed file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not obtain my free annual credit report online because Equifax was unable to sufficiently match the identifying information I provided with the information it has on file. Therefore, on XX/XX/2020 I mailed my written request along with identity documentation to Equifax at XXXX XXXX XXXX, XXXX, GA XXXX. Equifax failed to respond to my request. On XX/XX/2020 I mailed a second written request to Equifax with reference to the first. However, Equifax also failed to respond to my second request. After multiple requests Equifax failed to provide my consumer credit report in violation of my rights as secured by section 612 ( a ) ( 2 ) of the Fair Credit Reporting Act.
Product: Checking or savings account

On XX/XX/XXXX I lost my phone, and there were unauthorized charges to my account, totaling to {$5500.00}. I called & reported it to Wells Fargo bank as soon as I noticed on XX/XX/XXXX & my claim was denied XX/XX/XXXX. No one ever called me from the claims department during of the investigation & they closed the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this letter as my dispute of late payments reported by XXXX. I have had consolidated student loans with XXXX  since XXXX, XXXX. I have attached my payment history. ( See Exhibit 1, payment history ) Since that time I have made one payment to XXXX for what I believed to be a consolidated loan. Each statement from XXXX indicates one account and the balance. ( See Exhibit 2, Statement ). 
As you can see I paid for more than 18 years on a timely basis. In XXXX, I took advantage of a forbearance available due to the pandemic. I misunderstood when the payments would begin to become due again, and was late on payments in XXXX, XXXX and XX/XX/XXXX. As soon as I became aware of the late payments, I immediately begin the automatic payments I had paid for the 18 years prior. I have asked XXXX multiple times to consider a good will deletion of the late payments and they have refused. 
XXXX has inaccurately reported the type of loan and account number of this consolidated loan as two individual loans with different loan account numbers than what appears on my statement. This has created a decrease of over 87 points to my credit score. I have suffered damages that exceed over {$30000.00} a year, as my husband and I were not able to refinance our home when interest rates where favorable because of the inaccurate reporting. I believe XXXX reporting to be incorrect and in violation of the FCRPA, as the late payments should have been reported as one account as stated on their monthly statements to me. In addition, the scheduled payment of {$220.00} is incorrect as well. 
I would appreciate it if you would investigate this matter and delete or correct the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

There is inaccurate information pertaining to this account on my credit profile. There isn't an account number listed for any bureau and the profile has this account closed XX/XX/XXXX and still reports on time payments in XX/XX/XXXX. There isn't a late payment in the XXXX year history, yet it is showing a XXXX and XXXX  day late payment via the Equifax bureau. Please take immediate action in removing this account immediately as it has been reporting inaccurate information for several years.
Product: Debt collection

I received an UNDATED letter from the " XXXX XXXX XXXX XXXX XXXX '' to collect on a balance that was barely a month and a half old. The amount comes from an apartment complex, XXXX XXXX. The amount on their resident portal states that I owe XXXX. The statement I received from this " law '' office states that I owe XXXX. They are showing XXXX in undisclosed fees. From the reviews on XXXX, no one is able to get in contact with this office.
Product: Debt collection

The same Company called XXXX XXXX XXXX ( XXXX ) /XXXX  XXXX XXXX ( XXXX  ) keeps reporting false reporting that's affecting my credit. I am no longer the co-signer of any private loans serviced by XXXX. These loans were included in my Bankruptcy and also listed as a " Charge Off ''. I would like for this company to stop selling the loans to collections agencies regarding loans that are no longer owed.
Product: Mortgage

XXXX XXXX at Onetrust Home Loans pulled my credit without my authorization. Never spoke with him. Never interacted with any of his team members.
Product: Credit reporting, credit repair services, or other personal consumer reports

per complaint number XXXX bank of america was to correct info on acct ending in XXXX on all credit reporting agency within 30 to 90 days. this has not been done and acct is still showing XXXX owed and charge-off status. I have called and left voicemail with my cell phone number to contact me back 20 times with XXXX XXXX AND XXXX XXXX for over 40 calls and no reply back. this acct has been disputed over 5 times and on each occasion they have taken over 30 days with no response. which violates the consumer financial protection act. This is ongoing issue that has lasted over a year with no resolution. please also not that this acct was disputed on XXXX with not response at all in 60 days which is another violation. The complaint and request for investigation was sent to address provided by bank of america to all credit reporting agencies. It was sent via certified mail. all documentation is attached.
Product: Money transfer, virtual currency, or money service

Hello. My name is XXXX XXXX, I'm from XXXX and I was defrauded by Trust Wallet, run by XXXX now, but they told me that this Trust Wallet is an independent company, although XXXX bought it. I was defrauded of approximately {$44000.00} in cryptocurrencies. 
I was approached by lawyer XXXX XXXX from the law firm XXXX XXXX XXXX XXXX, XXXX, who initially told me that they could help me recover the lost money at no cost. Now when they say that they have traced the money, they sent me a contract in which I have to pay the amount of XXXX dollars and an advance of XXXX dollars so that they can freeze the scammer 's accounts. 
Please tell me if the company XXXX XXXX XXXX XXXX, XXXX exists and if you can help me recover blocked money. I am attaching the contract and the other documents by which I was defrauded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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 a account without my written instructions.
Product: Credit card or prepaid card

I received my Citi credit card in XX/XX/2021, and have been using it successfully since. I was traveling in XX/XX/2021, and had planned to use it as my primary card. I provided Citi with appropriate travel notices and any large purchase notices. However, Citi has blocked the card, and is not offering any solutions to unblock it. I have contacted Citi multiple times pertaining to this request and have gotten conflicting information. 
I learned about the card block on XX/XX/2021. 
1. When I contacted them on XX/XX/2021 around XXXX pm, the customer rep did not provide any information and instead told me that they have mailed a letter. They did not disclose the information in the letter. When I told them that I was traveling, they took down my temporary address. 
2. I did not receive any letters until XX/XX/XXXX and contacted them again around XXXX am. This time, the rep said that there are no potential fraud blocks and they have cleared out any blocks. However, when asked to verify again, they said something about social security verification and that the block would remain until that is complete. I told them again that I am traveling so can not receive a letter and if they can send it to a temporary address. This time, they told me that they can not do so, which conflicted with the information I had received previously. Despite asking multiple times, they also failed to provide any information about what this verification meant and why it was sent to us 4 months after obtaining the card, and precisely at a time when I had submitted travel notices to Citi. They also failed to provide any resolution to unblocking the card while I am traveling. 

As a result, Citi is not upholding its contractual obligation to provide us uninterrupted use of their credit card and I request reimbursement of all financial losses and fees incurred as a result of their breach of contract. Additionally, I would like to request Citi to review how they block and unblock their cards, change their policies to be consistent, and train their representatives to provide correct and complete information.
Product: Debt collection

The bill relates to XXXX XXXX XXXX by XXXX, XXXX XXXX  XXXX, XXXX Texas XXXX for COVID tests. Each test was {$270.00} or so. 

Our insurance company paid the bill, but insurance company reimbursement wasn't applied properly by XXXX. XXXX XXXX XXXX improperly sent our file to Nationwide Recovery Services. My wife spoke to a collector at Nationwide Recovery Services today XXXX XX/XX/11 XXXX and asked that they stop calling while we are trying to get it resolved. The collector said that wasn't possible. My wife called XXXX after speaking with the debt collection agency and said there was an error and they had not applied the payment properly. 

It is not clear if XXXX willfully is trying to charge twice for COVID testing. I also find it appalling that XXXX may be fraudulently trying to take advantage of COVID testing. It seems they should be trying to meet a higher standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

When trying to built credit you apply for a car loan. Each dealer you go to sends out inquirery to sends it to several credit agencies. The result = each credit reporting agency penalizes you 2 points for each inquiry. You now have a lesser score after trying to built your score. This tactic is working agains you. I had a XXXX and ended up without a loan and a XXXX score. This is hurting people from fixing their credit. End this practice. 
I now can not get any credit because of my credit score. So, how a my supposed to built credit when I can not get it to begin with? Its a catch 22. 
Also, every credit card company that gives you a credit score shows you a different credit score than the credit agency. Its not uniformed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am submitting a formal complaint against Cash App ( Block , Inc. ) regarding poor customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to implement timely and effective measures to prevent or address fraudulent activity on their platform, leaving my account exposed and unprotected.

Additionally, their dispute resolution process was both unfair and misleading. They failed to comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As a result, I have experienced considerable inconvenience and financial loss, and I am seeking appropriate resolution for these issues.