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, has violated my rights. 
XXXX XXXX XXXX Has violated my rights. 
XXXX XXXX BANK 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: Money transfer, virtual currency, or money service

I am unable to withdraw my crypto from my Gemini account to an external wallet. I have been a Gemini customer for over XXXX years without any issues. I regularly withdrew my purchased crypto to an external wallet. It was always to the same address. Gemini recently approved a couple of my Wallet addresses as secure addresses for additional security. I recently Purchased approximately {$25000.00} of crypto and since then I have been unable to withdraw it. Gemini is no longer answering my emails. Approximately XXXX weeks ago when a security hold was put on my account I contacted Gemini customer support and and they emailed me back asking for additional identification information which I provided. After that, I received a couple of follow-up emails telling me they are working on the issue and to be patient. They refused to give me a reason for the hold. For the last XXXX weeks they no longer answer my emails. all I want to do withdraw my purchased crypto to my external wallet. After doing some quick research online, I have discovered that recently this has happened to a lot of Gemini customers. All the same issue. I believe Gemini is stalling and does not want me to withdraw my crypto. 
My ticket number for customer support with Gemini is XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub> 2024, I initiated disputes with XXXX, XXXX, and Experian due to unauthorized accounts appearing on my credit report. Despite submitting these disputes, I have not yet received any response, and as a result, my credit score has failed to improve. This prolonged lack of resolution has led to a significant accumulation of debt as my credit applications have been repeatedly denied over the past five months. I am profoundly disappointed with all three credit reporting agencies for failing to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 my rights 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

Earned a {$100.00} prepaid debit card from XXXX in XX/XX/XXXX after sitting through lengthy timeshare program. Used several times, then card stopped working on the machines/stores I tried using it on. Friend suggested I clean with alcohol, which I did. Used on XX/XX/XXXX, declined as " expired. '' Check account on XX/XX/XXXX and saw remaining funds of XXXX were removed on XX/XX/XXXX. Called costumer service # ( XXXX ) XXXX, and explained problem ; requested funds returned and extension and was informed that the funds are gone and there is nothing I can do. Spoke to XXXX, manager, who refused to give me last name or employee ID number. 
Having read on prepaid cards before, my understanding is that funds do not expire legally for 5 years. Additionally, it should be mentioned the printing on the card makes the expiry date impossible to read at a glance. I was surprised to find that after 6 months, my funds were removed, and considering my issues with the card, was dismayed that no consideration was given to extending funds earned. My husband and I both wasted hours of our precious family vacation time with the promise of {$100.00}. I feel the circumstances merit some sort of recognition and assistance to ensure people can use the funds they funds they are promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Trans Union, XXXX and XXXX credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX  XX/XX/20, XXXX XXXXXXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX. Furthermore, I want all fraud and security alerts immediately deleted and removed from my credit report. I do not want any fraud or security alerts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax for months about the following inquires showing on my consumer file. I have contacted Equifax repeatly to remove these false inquires. According to FCRA all of the information is suppose to be accurate. 
XX/XX/XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX Bank numerous times via telephone, certified mail and through the credit reporting agencies about correcting my credit report. XXXX is reporting that I have a 30 day late payment and I have explained to them that during the XXXX XXXXXXXX pandemic I was XXXX XXXX XXXX XXXX due to complications of XXXX  for nearly 60 days and requested that they correct my report to reflect positive per the Heroes Act that protects me from my credit score from being ruined since it was due to XXXX. I have attched the Heroes Act and the late payment keeps coming back on my credit report which is gravely affecting my score. I have reached out on XX/XX/22, XXXX, XX/XX/22 and numerous other occasions.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT RESURGENT CAPITAL SERVICES : Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Resurgent Capital Services. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
Product: Student loan

I attended the XXXX XXXX XXXX XXXX, PA earning a XXXX Degree in XXXX XXXX and graduating in 2012. I have learned since then that the school is now closed and I am filing a separate complaint. When my loans became due in XXXX of that year, my parents and I tried to reduce the payments. I was facing a total of {$160000.00} plus in debt. On many occasions, they had us in tears and were not willing to work with us. We started paying the extremely unfair monthly payment but as life goes, our financial situation had changed. We tried to lower the payments again, but were unsuccessful. My parents got an attorney involved to see if he could work something out, but they refused to talk to him. My balance has since been turned over to collections. Navient has addressed the 2 loans that my mom co-signed, but I need Navient to work with me on trying to come up with a reasonable payment, reducing interest rates and waiving past due fees and interest. I dont own anything, my credit is shot and as it is now I barely make enough to live. I need Navient to work with me to hopefully come up with a fair payment. Depending on how this goes, it could mean my marriage which is already financially strained. Thank you.
Product: Debt collection

RoundPoint Mortgage has shared my location information to a third party without my consent. Additionally, RoundPoint has received multiple cease and desist from the consumer and debt validation request with no response. The third party is now attempting to collect the alleged debt and threatening the consumer with foreclosure.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding an issue with my student loan deferment status and its impact on my credit report. I recently discovered that my student loans were placed into deferment due to missing 90 days of payments. However, I was not made aware of the missed payments or the deferment status because the contact information on file for me was incorrect. As a result, I did not receive the necessary notifications regarding my account status. 

I request that the CFPB assist me in addressing the following issues : Lack of Notice Regarding Missed Payments : I was unaware that I had missed 90 days of payments because I did not receive any notifications, alerts, or correspondence about my student loans. Upon investigation, I found that the contact information associated with my account was incorrect and out of date, which likely resulted in me not receiving these important notices Impact on Credit Report : Despite the deferment, which should have provided relief from payments during that period, my credit reports from Equifax and XXXX show a significant negative hit to my credit score. However, upon reviewing both reports, I noticed that neither report indicates any missed payments or delinquencies on the student loan accounts. This discrepancy between the deferment status and the impact on my credit score is concerning and, I believe, unjust. 
The drop in my credit score seems to be a direct result of the loan servicers failure to update the contact information and properly communicate the deferment status. Although I am in good standing with the loan now, the negative impact on my credit remains unresolved. 
I have already attempted to resolve this issue directly with my loan servicer, but it has not been rectified to my satisfaction. I am now seeking assistance from the CFPB to ensure that this matter is thoroughly investigated and corrected. 

I request the following actions : A review of my student loan deferment status and verification of all communication attempts regarding the missed payments. 
A correction of my credit report, including the removal of any negative impacts that were incorrectly reported due to this issue.
Product: Prepaid card

I used XXXX XXXX Visa Debit card and they took the {$72.00} saying it was pending though it was declined to XXXX. They will not put the money back for eight days so I can not use it.
Product: Mortgage

I applied for a $ XXXX mortgage with Bank of America and it was rejected without merit after we had agreed on terms and upfront costs were paid for. I locked my rate on XX/XX/2022 and paid for an appraisal ( {$790.00} ) and credit report ( {$30.00} ) that day. After XXXX weeks of onerous and repetitive document requests, all of which we obliged, the mortgage was canceled and no reason was given. I believe it was because interest rates had risen since my rate lock and they didn't want to hold a loan on their books with my interest rate. The reason I believe this is that On XX/XX/2022, I completed an auto loan with Bank of America ( Loan # XXXX ). Neither my nor my companys creditworthiness was in question just a few days before when this auto loan was consummated. I have excellent credit ( XXXX ) and my company makes over $ XXXX profit yearly. At the time of the loan I had nearly $ XXXX cash deposits at the Bank. 

My loan XXXX XXXX XXXX was rude and made no attempts to understand my company 's business model. On the day the mortgage was canceled she called and XXXX apologized but could not give a reason for canceling the loan. As a result of their canceling I have suffered damages since interest rates have risen substantially during this course of time.
Product: Debt collection

I am a resident of texas. I lived in apartment name The XXXX XXXX  / XXXX on XXXX. address is XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX. I lived from XX/XX/XXXX to XX/XX/XXXX. When i was moving out I made sure from apartment leasing office regarding my last rent due and paid them via money order. I also gave them my forwarding address to send any notices and my security deposit. Instead of sending me a notice of whats due and they even kept my security deposit. they send my balance due to collection agency located in Georgia without even giving me a call or giving me a notice. I also called apartment to find out what is due exactly. the manager didnt want to talk or call me back. I also reported the landlord to texas  attorney general office regarding their practice.
Product: Mortgage

Re : Seterus Serviing and modification Request. 
Seterus keeps asking for payment on a loan that was transferred to them for servicing. Representatives indicated that there was a modification in place for XXXX $ $ but has not produced any documents to confirm payment amount. When pressed I was told of a payment and received documentation by fax for another homeowner 's property in PA with a different payment amount. I filed a modification request over two months ago with all documentation requested provided and confirmed received. The the bank keeps calling to ask if I intend to keep the property. Documents have been submitted which they acknowledge receiving but no modification trial has been offered. To date I have received a payment statement but no modification documents verifying this. 
Thank you.
Product: Credit reporting or other personal consumer reports

IT HAS COME TO MY ATTENTION MY PERSONAL INFORMATION HAS BEEN EXPOSED IN A NATIONAL DATA BREACH. AFTER REVIEWING MY CREDIT REPORTS, I NOTICED SOME ACCOUNTS THAT I AM NOT FAMILIAR WITH. I HAVE ASKED THE CRA 'S FOR VALIDATION OF DEBT HOWEVER THE INFORMATION HAS NOT BEEN PROVIDED. DUE TO MY INFORMATION BEING EXPOSED. 

I HAVE SUPPLIED A FTC COMPLAINT REPORTING THE INFORMATION I AM NOT FAMILIAR WITH. PLEASE FIND ATTACHED A COPY OF MY ID, THE FTC COMPLAINT, A COPY OF THE XXXX REPORT SHOWING MY INFORMATION BEING EXPOSED IN A NATIONAL DATA BREACH AND A VALIDATION OF DEBT LETTER
Product: Credit reporting, credit repair services, or other personal consumer reports

For whatever reason Trans Union changed account information that was not incorrect to incorrect information. Why I do not know! They had no call to do it and now it's time to fix or delete it! I've attached the correct info along with their incorrect information! Up until XX/XX/23 I was only complaining about XXXX because they are the only ones that keep screwing up my credit report. Now Trans Union?????? Really????? Why???????
Product: Credit reporting or other personal consumer reports

XXXX has deleted the account from my consumer report thus supporting my claim. Pursuant to section 623 ( b ) ( D ) I demand that this agency removes this item of information from all consumer reporting agencies immediately. Please see attached.
Product: Credit card or prepaid card

in XXXX XXXX XXXX, we made a {$500.00} payment on our Old Navy credit card. During the processing time Old Navy got bought out by Barclay. Barclay claimed that we never made the payment. During the very long process of trying to get this straightened out, we kept making our payments so our credit didn't get messed up. Eventually we got a credit consolidation loan and it paid off all credit debits. Barclay would never agree to the previous {$500.00} payment and essentially we we double paid. We have tried repeatedly to resolve this with Barclay but they will not budge. Even with bank statements and multiple phone calls proving the payment was made, Barclay refused to acknowledge the transaction. Barclay owes us {$500.00} and a groveling phone call apoligizing for being such XXXX XXXX  about this situation. At this point it's not even a matter of the money, it's a matter of principal. I will take this all the way to a small claims court if they do not do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax, XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX a fraudulent account/loan was opened with my information through DigniFi ( Account # XXXX ). I discovered the fraudulent loan in XXXX of XXXX. I filed a XXXX report and did all the appropriate steps to get the account removed from my credit report. In XX/XX/XXXX I contacted DigniFi to inquire as to what they needed to get the fraudulent report removed from my credit report. They inform me I needed to mail in the required documents, and gave me the address. A few days later I received a mailed letter from the stating the same information i was told with the same mailing address. I then mailed all the required information plus additional information. XXXX weeks later I called from an update. They said they didn't receive the documents and I needed to mail them to the same address but add " Dispute Resolution '' on the documents. I then mailed the documents again. Another XXXX weeks passed and I called back into Dignifi. They say they still didn't receive the documents and I needed to Fax them in to ( XXXX ) XXXX. I then faxed them in and I have the fax cover sheet at proof. XXXX weeks later ( XX/XX/XXXX ) I called and talked to XXXX XXXX. He informed me they STILL haven't received the document and I needed to email them into Dignifi and he wasn't sure why i was told to mail or fax in the documents. I emailed the documents to the address he provided. I called back on XX/XX/XXXX and talked to XXXX XXXX. She they received the documents and were reviewing the case. The review process would take no more than XXXX weeks and they would call me once the review was complete. XX/XX/XXXX, I called back for an update. XXXX XXXX told me the process was STILL under review but it defiantly would be resolved by the end of the day and the loan was going to be labeled as XXXX  and it was going to be removed from my account. She also said once it was completed, she would give me a call to verify it was removed and that they would submit it to the credit companies to have it removed from my credit reports. I called back on XX/XX/XXXX and talked to XXXX. She told me the credit XXXX  report was approved but they still haven't submitted it to credit bureaus. They would be submitting it at the end of the month and after that it would take 30 days for it to update with the credit bureaus. Every time I call into this company, they give me contradicting information and always give me a time line that always comes and passes with no resolution provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXXXXXX XXXX XXXX XXXX XXXXXXXX Shows a balance of {$6800.00} Status is Account is charged off {$6800.00} " written off '' I do not have a contract with a signature with this creditor and asking for the removal. The amount showing as " balance '' is not accurate. In accordance with the Fair Credit Reporting, 15 U.S.C 1681 section 602 states I have rights to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Starting with my XX/XX/XXXX payment and with each monthly payment through XX/XX/XXXX in addition to my monthly payment, I included an additional {$10000.00} dollar payment to go to paying down my outstanding principal. This was submitted with the companies own payment coupon and was clearly stated for what each amount was being payed. These additional payments have not been properly posted to my account. 

Before the {$10000.00} payments were credited against my outstanding principal, the next month 's payment was subtracted from it and the remainder credited to my outstanding principal. This has resulted in my outstanding principal balance being too high and me being over charged on interest owed. 

I have written letters to my mortgage company twice asking for this problem to be corrected and my outstanding principal balance to be brought up to date. These letters were sent on XX/XX/XXXX and XX/XX/XXXX. 

The first letter resulted in my balances being corrected for XXXX and XXXX but not for XXXX Another attempt to correct the situation was made by Roundpoint Mortgage but that did n't address the over charges made for interest due and thus did n't resolve the problem. As of today ( XX/XX/XXXX ) my outstanding principal is stated as being {$130000.00} instead of the {$130000.00} that it should be. 

Each month that this continues only compounds the problem. I am being over charged on interest and my payments against my outstanding principal are smaller than they should be.