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

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to XXXX XXXX XXXX XXXX XXXX if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
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. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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: Money transfer, virtual currency, or money service

Since2020 well actually it started in 2019 not receiving a check from tribe when they gave out the checks.I won several sweepstakes when XXXX hit, never received a dime was confirmed to be real and legal. XXXX prizes from another organization that gives out and money, never received anything. IRA XXXX said I didn't work nothing showed but closed file, from my employment and I paid in for XXXX XXXX yrs between XXXX to XXXX x XXXX that XXXX and my employment said they transferred it over to the other company when they switched that verified it. Also my unemployment benefits, stimulus checks, death beneficiary funds, trust fund, Gas and oil from royalties XXXX. And ppl here are trying to kill us was stated that they have XXXX of mine for reassurance and I been lied to about my youngest son on his where abouts.
Product: Debt collection

I reached out to this company requesting any documentation with my signature agreeing to any reporting from this company. This company is not owed any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is DEMANDED under the F.C.R.A and C.F.P.B.to exercise their GRAVE DUTIES to ensure accurate reporting in respect to a consumers RIGHT to PRIVACY. Under the Gramm Leach Bliley Act TRANSUNION is a FINANCIAL INSTITUTION, so I have exercised my FEDERAL RIGHT under 15 USC 6802 to OPT OUT of their NEGATIVE reporting on requested accounts. TRANSUNION is NOT required by law to report negative information. I have demanded TRANSUNION remove from my reputation negative accounts that are being reported by OBSCENE MATTERs of Racketeering in attempts to collect payment on finance charges when in fact the alleged debt has already been paid for under finance charge 15 USC 1605. TRANSUNION has stated to me they respect the consumer and Obeid by the CFPB guidelines but continue to violate me and violate the CFPB showing in fact a lack of respect to I the consumer and a lack of respect to the CFPB and continue to take part in Racketeering means with furnishers who have also been put on NOTICE. TRANSUNION has sent me a letter stating their RE-investigation has been completed this is in fact a STALL-TACTIC because I DID NOT REQUEST REINVESTIGATION. TRANSUNION IS BIAS IN THEIR INVESTIGATION. I DEMANDED DELETION IN RESPECT TO TRANSUNIONS GRAVE DUTIES RESPONSIBILITIES TO ENSURE RESPECT AND BANKING SYSTEM CONFIDENCE which they have not. Because of TRANSUNIONS WILLFULL FEDERAL VIOLATIONS I have lost confidence in the banking systems and I will NO LONGER extend my credit UNTIL THIS MATTER IS RESOLVED. I DEMAND TRANSUNIONS TO ACT IN GOOD FAITH AND SHOW RESPECT TO I THE CONSUMER AND SHOW RESPECT TO THE C.F.P.B. and perform accordingly and delete demanded accounts permanently.
Product: Credit reporting or other personal consumer reports

15 USC 1681A4 violation and of privacy.

18 Usc 1028A aggravated identity theft.

15 USC 1692.
Product: Credit reporting or other personal consumer reports

A new collections account with XXXX XXXX XXXX XXXX was added to your XXXX credit report. * XXXX XXXX XXXX XXXX and I are currently going through a legal dispute which no judgment has been made. My lawyers and I have requested for XXXX XXXX XXXX XXXX to prove that I made business with them. I have requested contract with my signature and XXXX XXXX XXXX XXXX has yet to send me any written agreement that I've done with them. I am not aware nor have I done business with this company. 

XXXX XXXX XXXX XXXX is a " debut buying collection '' company whom I did not authorize use of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX This is a fraudulent account I did not authorize this. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. Otherwise, anyone paying for services from the XXXX major reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX 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 XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Student loan

I have been paying my student loans for over 20 years. Once the adjustments were made to PSLF, I qualified. I was waiting for the results, but suddenly my loan were forgiven under IDR/Biden. I'm thankful they have been forgiven, however, if they were forgiven under PSLF, that's over 10 years of extra payments. Even under the IDR Plan, I've paid over 20 years. I was never told why I wasn't given the PSLF and just given the IDR. My PSLF application was on my online account, I completed all the steps, it then processed, then disappeared. I have attempted to inquire about this and possible refund through Federal Student Aid, Mohela, and XXXX XXXX XXXX ( they held my loan before consolidation to Mohela to apply for PSLF. ) None of these agencies can answer my questions. Mohela says they have no past information. XXXX XXXX XXXX says that they have no further information, and FSA tells me to call the servicer. I have spend countless hours making phone calls, being transferred from person to person. To date, I can not access any of my information on these websites, not even my payment history. Each time I call one agency, they refer me to another. My loan was forgiven XX/XX/2023 and I've never been given any other information. There is no contact for questions, etc. I have no idea what office actually forgave the loans. Furthermore, my student loans still appear on my credit report. Again, while thankful for forgiveness, I have paid an extra 10 years on my loans. That is A LOT of money.
Product: Credit reporting or other personal consumer reports

Someone used my personal information. I don't know that account.
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged 3 x {$30.00} ( {$90.00} total ) for the first checked bag fee on XXXX XXXX domestic flight for myself and 2 companions. 

At the time I had a Gold card and was told on the phone by a Citi agent prior to this flight that I would not be charged for 1st bag fees as I encountered on a prior flight. They would fix it in their system and make sure my rewards were correctly linked. 

However, I was fraudently mislead as I was charged the {$90.00}. This apparently because it is not a Gold benefit, but only a Platinum credit card benefit. If I was correctly informed, I could have avoided the fees by upgrading to a Platinum card, or planned baggage differently. 

Citi acknowledges that the agent misinformed me, but that it is not a benefit for the Gold card. That is the same to me if a retailer informed me that something was free, but then charged my credit card anyway. I'm sure in a dispute Citi would agree that is not right and my charge would be reversed.

I'm asking the same for Citi, that they will refund me this charged that Citi told me wouldn't be charged. It is not my fault their agent was not appropriately trained to provide me the correct information.
Product: Credit card

Synchrony Bank sends a letter that is immediately sent to your email. You can open this letter in a new browswer window as an XXXX  image only and it is not able to be downloaded for storage. this letter is an unaccessable document for XXXX standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an auto loan and it was DENIED because they went to Transunion and they incorrectly reported me as having recent late payments for an account that was closed 6 years ago. Ive had XXXX missed payments on anything for 6 years! Ive pleaded with Transunion to fix for months with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to delete inaccurate address from my credit report. Accordingly to 15 U.S. Code 1681 that is a violation of my right! I never lived on that address, I already informed to them more than once
Product: Student loan

Ascendium send notice. I do not know who they are. XXXX did not notify me of change. I have written XXXX over and over on deferment forms and they never responded to my letter or notes. I gave up. I do not have phone to call. They failed to correct payments that I did make. They did not accept emails either. According to Trump has deferred interest and payment until end of year. Ascendium says I owe at 6.8 % interest XXXX and XXXX plus XXXX collection costs for total XXXX by XX/XX/20. This company in following Fair Credit laws. Unfortunately, I do have that kind of money trying to just survive. 
Ascendium failed to provide a reasonable payment plan or deferment until it is affordable to pay. 
This organization is using a threatening and pushy tone.
Product: Checking or savings account

SUMMARY : Over the past 4 months, Ally Bank has failed to recover fifteen ( 15 ) checks issued through Ally 's online Bill Pay service. These bill pay checks were issued to my local church but not received by my intended recipient. The bill pay checks were instead fraudulently stolen and cashed without any endorsement to unintended recipients. Communication with Ally has been extremely limited, cryptic, and conflicting. 

DETAILS : Using Ally 's Bill Pay service, marketed as a " XXXX '' process, I scheduled biweekly payments to my local church as recurring, regular donations throughout XXXX. Many Ally bill pay checks were correctly received. However, at the end of XXXX, the church 's records confirmed they had not received a third of them, fifteen ( 15 ) total missing checks. However, these checks had cleared my account. After much effort, Ally Bank was able to retrieve images of the 15 cleared/missing checks and all 15 had no endorsement on the back. It appears they were fraudulently stolen from the mail and Ally released my funds to unintended recipients. 

I have disputed these for over 4 months now and none of the funds are recovered. 

Check Number / Date / Amount Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$77.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$77.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$77.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$77.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$77.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$77.00} Check # XXXX XX/XX/XXXX - {$2000.00} Total funds released to fraudulent recipients : {$5800.00} DISPUTE PROCESS : I filed a police report and began disputing these funds with Ally on XX/XX/XXXX, clearly outlining each of the 15 checks, dates, numbers, and amounts over the phone. 

I have contacted Ally Bank twenty ( 20 ) times to get updates on the status of this case over the past four months. Customer service representatives are unable to give a clear status on each of the check disputes, give conflicting information, and there has been no recovery for the 15 checks. Representatives and supervisors only see cryptic notes from the " back office '' and " can not connect me to anyone else. '' Communication has been arduous and a dead end. I have been patient with Ally and am now moving to recover the funds released to fraudulent recipients, taking all actions available.
Product: Money transfer, virtual currency, or money service

I have been a Coinbase customer for several years, using a verified, secure account funded by a verified bank account. I am the sole user of this account. 

On XX/XX/XXXX, Coinbase sent me an automated email stating they detected " unusual activity '' and temporarily restricted my ability to send or unstake crypto. This restriction is unwarranted, as I have only interacted with Coinbase Wallet and apps marketed within Coinbase itself. I have never sent crypto to fraudulent individuals and have offered proof to support this. 

These emails are based on automated detections, which have already been proven ineffective, as outlined in the enforcement actions by the New York State Department of Financial Services ( DFS report, XX/XX/XXXX ). 

Two different customer support representatives assured me that all restrictions would be lifted after XX/XX/XXXX. However, this has proven incorrect, and my account remains restricted. Despite completing multiple ID verification steps and confirming with support that my account is secure, my assets are still inaccessible.
Product: Debt collection

Upstart Network Inc. 
On XX/XX/year>, I sent a Priority Mail letter to Upstart XXXX XXXX regarding an alleged negative account they had listed on my credit reports. 
I requested validation under the FCRA/FDPA along with corresponding local state laws. Validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 
Since it has been more than 30 days since I sent my letter to them without them providing the validation I requested, I am demanding that they permanently remove any/all negative information from my credit report as they are in violation of FCRA/FDPA laws.
Product: Credit reporting or other personal consumer reports

Ive had two data breaches in the last 4 years so I need the following to open as stated under... 15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681. Congressional findings and statement of purpose The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
er.
Product: Checking or savings account

On XX/XX/2023, I received a call from Bank of America that someone was trying to use XXXX to request a large amount. They then sent a 5 digit code like they normally do. They then sent text message and they told me to reply yes to the message in order for this to be a reversal payment so any money would not be take out of my account. We'll {$3100.00} was taken put of my account. I called BOA back anthey stated that it was a scam and that it was not them that called. They said that the money went to a XXXX XXXX  account and that they would contact XXXXXXXX XXXX. I received an email today stating that the claim was denied and that it was my fault, in so many words. If Bank of America 's number would have never came up and they wouldn't have sent the code, I would have never believed that it was BOA. I feel like the bak has a responsibility to better protect it's clients. I have been scammed and would like some help in the process of getting my money back. Thank you. XXXX XXXX XXXX. I have included screenscots of the text messages and call from the scammer. ( XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still disputing the collection with Equifax for a cancelled policy that was phoned in and cancelled with XXXX XXXX. Their collector XXXX is informing that the amount due is XXXX however I received an email from XXXX informing of a diffferent amount XXXX. I am extremely frustrated with this as I have forwarded them a copy of the email with NO RESULTS. I will pay the XXXX but would like the matter to be corrected first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2100.00} UD DEP ED XXXX {$9200.00} XXXX XXXX {$2000.00} XXXX   XXXX {$4000.00} US DEPT ED XXXX {$6800.00} XXXX XXXX {$4000.00} US DEP ED XXXX {$4000.00} XXXX XXXX XXXX XXXX {$610.00} XXXX  XXXX {$200.00} XXXX   XXXX {$200.00} XXXX  XXXX {$240.00} XXXX  XXXX {$150.00} XXXX  XXXX {$320.00} XXXX  XXXX {$220.00} XXXX   XXXX {$300.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$180.00} XXXX   XXXX  XXXX {$610.00} XXXX XXXX XXXX {$820.00} XXXX   XXXX {$480.00} DPT EDXXXX XXXX {$2300.00} DEPT OF ED/XXXX XXXXXXXX XXXX {$2300.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$1400.00}
Product: Money transfer, virtual currency, or money service

Paypal- This matter is to deal with Paypal and Paypal credit. 
On XX/XX/XXXX, I made a charge to a jewlery store using paypal credit inthe amount of {$7000.00}. The jewlery store could not fulfill the order and cancelled my transaction and stated they would refund the money immediately, a few days past and no refund, I contacted paypal/paypal credit to look for my refund and paypal credit filed a claim on XX/XX/XXXX and gave me a credit for the money. 

On XX/XX/XXXX i was credited as well from the merchant, At this point i was double credited and owed one of the credit back to paypal credit. I called on XX/XX/XXXX after realizing what happened to advise them to remove one of the credits and they stated they would on XX/XX/XXXX i received a email stating that they had mistakenly credited me twice and would be charging back one of the charges ( which I know I owed ) on XX/XX/XXXX i realzed a {$7000.00} charge was made on my paypal wallet ( not paypal credit where the original charge was made ) so I called paypal to have them move the charge to my paypal credit from my wallet, they said they would. 

On XX/XX/10 they re charged the charge back to my paypal credit account, but have NOT credited the money to my paypal wallet. so now I have the chage on my paypal credit account and have a negative balance on my paypal wallet as well ( being double charged I have called paypal and wait hours on hold to be hung up on and when i finally get through they state i must call paypal credit. when I do that I also am on hold for hours to be reffered back to call paypal, its like ping pong with no one being able to help I have documentation of everything.
Product: Debt collection

USC 15 1629c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt im not liable for this debt with XXXX XXXX i dont have a contract with the I.C System they did not provide with the orginal contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

multiple names or aliases show up on my credit report, which do not belong to me or have I ever used. My name is XXXX XXXX