23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I applied for student loan consolidation through a new provider. The new provider paid all of my previous student loan debts. After the new provider paid Nelnet, Nelnet then added another XXXX dollars to my account ( to which they are also applying interest. ) I called three times asking for an explanation and was given three different answers. ( I always owed this money but it was never reflected on my account, This XXXX dollars was forgotten and never added to my account, if I had done my own calculations for my pay schedule I would have seen that I always owed this much. ) Each time I asked for a detailed account of why I owed this money. It was not provided after the first call, the second call but then after the third call, a pay history was sent explaining why I owed them money. They are now claiming i owe them XXXX and that I should be paying them every XXXX dollars every month - strange payment terms I never agreed to. I would also like to add on, their student loan forgiveness program is fraudulent in nature period as clearly they never had any intention of forgiving any loans.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet I feel like Im being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach in the past and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked XXXX and XXXX to VERIFY and VALIDATE the information reported on the Bankruptcy on my report for a year now. WHEN and IF they respond to my request they are keep sending me the same respond " We VERIFIED the account as ACCURATE with the reporting AGENCY LEXISNEXIS or 3rd PARTY company. 

I also received a letter from XXXX saying we verified the XXXX as ACCURATE and if you need more details CONTACT the COURT. 

I contacted the COURT and they sent me a letter that they DO NOT REPORT or SEND any INFORMATION about the PUBLIC RECORD to ANY BUREAU!! so WHERE and HOW did LEXISNEXIS and the other bureaus VERIFIED and VALIDATED the information if there is NO REPORTING to any of them or any of then have a way to get the information??? 

IT IS A COMPLETE VIOLATION of reporting according to the FCRA!
Product: Checking or savings account

On XX/XX/2024 I was Trying To Sent Money To A Company of Two Payments of {$450.00} Total {$900.00} XXXX Canceled These Two Payments, But when It Went Through The Bank XXXX Did Not Put The Money Back Into My Bank Account I have No Idea Were My Money Is At, I Contacted My Bank An Contacted XXXX An Neither One Has Got Back With Me Here It Is XX/XX/2024 An I Still Do Not Know Where My $ ( XXXX Dollars Is At Or Who Has It, I Want It Back Into My Back Account
Product: Credit reporting

On my Equifax Credit Report, a Chapter XXXXBankruptcy shows active eff XX/XX/XXXX but also Dismissed/Closed. I have supplied documentation of a CERTIFIED COURT APPOINTED GUARDIANSHIP eff XX/XX/XXXX. I have advised the Bureau that under the Guardianship I was advised I am NOT able to engage into any contracts NOT even to obtain an Attorney, in which a Bankruptcy would need. I know this for a fact since I was a victim of Id Theft in under this same time frame and attempted to hire an attorney and the County Clerk advise the Attorney at the time that I was not able to hire any Attorney due to the Court Order for the Guardianship at that time. I have been obtain legal information stating that under the Guardianship an individual is protected under the Laws and all contract are null and void. If this is the case, why am I being told by Equifax that the Chapter XXXX Bankruptcy must remain on my Credit Report for 10 YEARS? I have supplied all supporting documentation and I feel as though this is damaging information for an individual to have remain on a credit report if the Courts Dismissed and Closed the whole case with XXXX ( {$0.00} ) amount claimed. There no longer is a Guardianship since it was release through the court in XX/XX/XXXX. I am asking for a CLEAR picture of a true and accurate report and reflected credit score. I am asking for assistance with the reconsideration and removal of this damaging derogatory information from my credit report. If a Guardianship is there to protect an individual why is this not being honored. I believe that since it has already been 7 yrs too long and it definitely should be removed.
Product: Credit reporting or other personal consumer reports

There was a inquiry on my credit report for Discover Financial Services without my knowledge on XX/XX/23. 
An inquiry for Factual Data on XX/XX/23 without my knowledge. 
And an inquiry for XXXX XXXX  without my knowledge on XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  debt collection company has not removed a collection that in agreement to be paid would be deleted. The account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX 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 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 Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX 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 15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Accounts and Hard Inquiry on Credit Report Dear [ XXXXExperian ], I am writing to formally dispute inaccurate information and fraudulent accounts that are being reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ) and applicable laws, I request an immediate investigation and removal of the following items : XXXX Disputes : XXXX. Hard Inquiry from XXXX XXXX  : I did not authorize this inquiry, nor do I have any accounts or interactions with XXXX XXXX. Please remove this unauthorized inquiry promptly. 
XXXX. XXXX XXXX XXXX XXXX : This account is fraudulent and does not belong to me. Kindly investigate and remove it from my credit report. 

Experian Disputes : XXXX. XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX These accounts are also fraudulent and inaccurately reported. I request an immediate investigation and removal of these accounts. 

This inaccurate and fraudulent reporting is significantly impacting my ability to obtain essential financial opportunities and is causing unnecessary harm to my credit standing. 

In accordance with FCRA 611 ( 15 U.S. Code 1681i ), I request that you : Investigate these items thoroughly. 
Remove any unverifiable, inaccurate, or fraudulent information. 
Provide me with an updated copy of my credit report after corrections are made. 

I have attached a copy of my government-issued ID, proof of address, and a copy of my credit report with the disputed items highlighted for your convenience. 

Please confirm receipt of this dispute and provide updates on the investigation and resolution in writing. You may contact me at the information listed above if further documentation is needed. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Recently on XX/XX/XXXX I again called Bank of America Prepaid EDD card Dept. and expressed my desire to know where they were in investigating my almost 3 years ago {$5000.00} was stolen from my account. Actually 2 amounts first the {$5000.00} on XX/XX/XXXX which was transferred by the criminal through a phone app. 2nd amount of {$4400.00} which was transferred on XX/XX/XXXX by the criminals again through a phone app. How do I know I was told by XXXX XXXX a Bank of America officer. 

On XX/XX/XXXX I received the refund of {$4400.00} in a check. In the check form as stated by EDD of California, who I am in contact still with informing them a everything that is occurring and My Edd advisor will stay with until I receive all of my money. 

I have yet to receive the {$5000.00} and every time I call the XXXX XXXX the person at B of A tells me it is under investigation. It has been almost 3 years? They sent me a print out of my account and it is clear as the sun in the sky, that it was stolen not once but twice because despite my calls no one stopped the transfers from occurring. 
I am expecting a check anyday now to be sent so I can finally tell EDD California Dept. That it has been resolved.
Product: Bank account or service

I had opened the US Bank account with the promotion ( {$150.00} promotion ) if i meet the required conditions ( like direct deposits of {$500.00} or more etc.. ) - all the terms and conditions are met now. The promotion code was applied and the account was opened before the XXXX XXXX ( promotion deadline end date ). When i am inquiring about my promotional bonus - I am getting excuses from them that something is missing ( like account type is not the promotional account type ). The account type is silver checking which is covered. But i do n't see that bank is willing to offer the promotional bonus of {$150.00}.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  Balance : {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I HAVE SENT THIS INFORMATION TO LEXIS NEXIS OVER AND OVER AGAIN. THEY CONTINUE TO LIE AND SAY THEY NEVER RECEIVED IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my TransUnion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting or other personal consumer reports

The account is charged off and they are reporting it as late and or past due. This is hurting my credit and Im trying to find a home. Also I requested a 1099 form.

The FDCPA bars the use of any false, deceptive, or misleading representation in connection with the collection of any debt. 15 U.S.C. 1692e.P
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized account/s and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed in a dispute certified mail to Equifax that was received on XX/XX/2021 at XXXXXXXX XXXX confirmed by certified mail tracking number ( XXXX XXXX XXXX XXXX XXXX ). 
In this dispute Equifax was put on notice that items that were being furnished were the result of IDENTITY THEFT see FTC Report # XXXX I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file Pursuant to 15 U.S. Code 1681c2 ( a ) : US DEPT OF EDXXXX XXXX US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX As of XX/XX/2021 Equifax has not complied with 15 U.S. Code 1681c2 ( a ) which puts them in VIOLATION of this Law.

Block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act.
Product: Payday loan, title loan, or personal loan

Ally lending is asking people to send their social security numbers via mail & not provided a secure option to provide it.
Product: Debt collection

XX/XX/XXXX. 

called midland credit to take care of a debt thats on my credit report. The XXXX  guy made a payment agreement with me. He had me go on his website and fill out my info to accept the plan. We were disconnected. I called back and explained the plan and that I was disconnected Telling him all this he asked my address. Well I currently do not have an address as I have been staying in truck or hotels. He then tells me he cant take my payment or that he cant give me a payment plan. After all this was just set up. Asked for manger. Spoke to manager and he agreed on payment that is good till XX/XX/XXXX XXXX but wont accept a payment from me because I dont have an address. Im currently XXXX  still trying to make a payment so I can improve credit better, so I can get out of my situation. 
As I was filling this out getting account number. Went back on the website and the XX/XX/XXXX plan was changed to XX/XX/XXXX now. 
How do I get this removed from my credit if they wont accept a payment? Any help would be greatly appreciated
Product: Money transfer, virtual currency, or money service

Hello, I used Paypal to wire the money to a supposed friend. However, I later found out that someone else hacked my friend account. I tried to request the money back but couldn't. I filed a report to paypal but they said they couldn't reverse the transaction because it's personal account. I tried to explain to them but they closed down my case without any action. The total amount I was defrauded with was XXXX usd. 

I even sent the accounts of the fraudster but Paypal ignored them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was taken out in my name on XXXX XXXX. 
I filed a dispute on XX/XX/year>. 
I also called XXXX XXXX and canceled the account like the fraudulent government website recommended. I had no card number to give, and they were supposed to send me something in the mail stating all this and never did. I have no issues with the debt I owe but this is not mine and I am angry. It needs removed immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to the 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 an 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 Funds 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 card

I am wanting these deleted because I did not authorize the companies to run my credit this is fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received my Consumer Report and noticed the following inaccuracies : I am not liable for the debts with the following companies listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following companies not only have never entered into a contractual agreement with me but are not even authorized to collect a debt in the state of New Jersey as they are not registered to do so : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After requesting proof of the legitimacy and lawfulness for these accounts none could be provided therefore I am requesting that Equifax adhere to the Fair Credit Reporting Act by reporting only accurate information as required by law.
Product: Bank account or service

My Bank of America checking account which I 've had for over 15 years started charging me a $ XXXX/month service fee in XXXX of XXXX which I did n't notice until XXXX XXXX. I had never been charged a service fee before, so I did n't notice the fee until XXXX XXXX. I did n't see any notice that this account, which I had for over 15 years, was going to start charging me a monthly fee. This is a ridiculous fee when the interest returned on checking and savings accounts is almost nil today.
Product: Money transfer, virtual currency, or money service

I opened an account at Coinbase and Coinbase XXXX  to trade bitcoin. I went through the identity verification process successfully. I then added my bank account to transfer funds to my Coinbase XXXX account. This worked. I initiated a transfer of {$600.00} to my Coinbase account. Very soon thereafter Coinbase put my account " under review ''. Now my {$600.00} is frozen at Coinbase. I am unable to send the {$600.00} back to my bank account or trade bitcoin. They have in effect stolen my money. I of course submitted a support request. They responded in an automated manner and again later saying they would expedite my account review. I submitted feedback that my problem remained unresolved. My funds remain frozen.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a ago I was working for   XXXX   XXXX   XXXX   XXXX   of  XXXX , Pa. and I found out that the owner   XXXX   XXXX   had my Social Security Card in his possession.   I believe he used it to apply for credit under my name. As a result I now have several bogus accounts in my name under collections by  XXXX  for   XXXX  ,   XXXX   XXXX  ,  XXXX  and  XXXX . None of these accounts I applied for myself.
Product: Checking or savings account

Ally Invest will not allow me to withdraw my money from my Ally Invest account to my Ally Savings account for no reason.