23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been a victim of identity theft, and I am perplexed as to why your bureau has not followed suit with the actions taken by other credit bureaus in response to my requests. Some of the other credit bureaus have already removed these accounts from their records after acknowledging the errors present. I am confused about how your bureau has verified this information while others have recognized the discrepancies and taken corrective actions. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1500.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

I checked my credit report this afternoon and I'm still disappointed as there are inaccurate accounts showing from my credit report
Product: Vehicle loan or lease

We fell into a XXXX XXXX in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX and needed XXXX, our XXXX XXXX XXXX XXXX XXXX everywhere, XXXX XXXX XXXX, Exeter did give a deferment for 1 month, we are a XXXX income family, we made a payment in XX/XX/XXXX asking for another deferment, asking for our payment to be directly withdrawn they denied both, calling us and XXXX XXXX, they called my XXXX at his XXXX after asked not to cause he is prohibited calls at XXXX he was suspended 1 week after the first call with no pay, we emailed them and told them verbally not to call the called again another week with no pay, again we emailed and verbally told them they called again XXXX XXXX lost his XXXX, we XXXX XXXX XXXX due to being jobless from XXXX calls at work after being told stop, then they reached out to XXXX XXXX not even knowing if she was related calling her every XXXX hour mind you she is XXXX and was very confused by the matter. I told them I was gon na file XXXX, I asked for deferment, I explained to them all I could every different again telling me they were notating the account, I talked to managers her name was XXXX, I gave pictures of their calls every half hour XXXX and from a local number in XXXX XXXX We do not live at XXXX XXXX XXXX anymore but our mail is being held at the XXXX XXXX until we get an address thank you
Product: Credit card or prepaid card

I opened a Wayfair Credit Card which is held by Comenity Bank. Upon opening the card I called and asked if the statements that I received would reflect the minimum monthly payments to pay the account off within the 0 % interest time frame. During that call I was told that they would. Today I opened my statement from Comenity Bank and there are {$500.00}. I called Comenity Bank and there is not 1 of the 5 people that I spoke to that A ) Explained the charges in the same fashion or B ) Were able to explain the charges at all and the fairness in which they were charged. I was referred to as a child, I was challenged to think like a consumer and be responsible and above all not given factual proof of said charges. I 100 % agree with the ability to profit on consumers, I do not agree with deception and unfair predatory treatment. When asked about their offerings for hardship during the pandemic I was advised to call after my due date without making a payment which would then incur a late fee? I was able to understand that Comenity opened 3 different promotional accounts under 1 main account and applied payments at their discretion instead of in the best fashion for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out a dispute letter to Experian disputing multiple items that I had discovered on my credit report to be in inaccurate. I have yet to receive any form of communication from the credit bureau that an investigation has been opened per my request to reinvestigate these items in question. Under Federal Law the credit bureau has 30 days to complete this investigation which they have failed to do so.
Product: Student loan

Timeline for PSLF : XX/XX/XXXX - submitted my final employment certification form for public service loan forgiveness as I made my XXXX payment in the month of XXXX. This was sent to XXXX. 
XX/XX/XXXX XXXX notification from XXXX that I made XXXX qualifying payment for PSLF. 
XX/XX/XXXX XXXXtransferred to MOHELA as my loan servicer and was instructed that the transfer to a new servicer would not impact the timeline for forgiveness. 
As of this date ( XX/XX/XXXX ) - I have not received student loan discharge/forgiveness. I have any communication about discharge/forgiveness. I have received no communication at all about anything. I have called MOHELA multiple times asking them to verify that the process is moving along but then have never been able to verify this. At first, MOHELA said " you should hear something by the end of XXXX. I called in XXXX and informed them I've seen zero communication. They said I should hear something by XXXX at the latest. I called in XXXX, again due to zero communication. Now they don't give me a timeline. They say call the Department of Education. I call the Dept. of Educaiton which leads me right back to MOHELA. According to my " federal student aid '' website, it has showed XXXX payments for several months. MOHELA 's website has showed XXXX payments for several months ( since early XXXX ). Why is MOHELA not moving this process along as they should? No one from MOHELA will answer this question. I've spend countless hours of my life on hold to reach out to them for answer and/or written verification and they've refused every attempt. 

Now it is XXXX, and I've heard nothing and they still can't tell me anything when I call about the issue. Other individuals on PSLF submitted their PSLF months after I did and have already received forgiveness. I have submit an employment certification form every year as instructed and I consolidated all of my loans into a XXXX XXXX in XXXX. I've done everything by the book. 

The only document I can upload is a screenshot of my MOHELA online account because I have received no communication at all.
Product: Credit reporting

I have several ongoing issues regarding my credit report that I am trying to resolve, including many incorrect account details. While attempting to log in to review these continuing mistakes on my report, Transunion has now denied me access to my report via their website. I have attempted logging my many times via their website and my login credentials to no avail. This is ridiculous, I should be able to have access to MY information to continue disputing mistakes and ensuring that my report is 100 % accurate and complete! 

I have attached a screenshot of the error message I receive after each failed attempt to login to dispute my ongoing mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I'm reaching out to Rushmore Loan Management LLC about correcting the credit reporting on this account. I was told to wait 46 days from the previous correspondence dated from XX/XX/XXXX. I was told this would be updated and if not to send a copy from my credit report showing the account was reported late. I have attached a copy of my report showing account is still reported late even though correspondence form a XX/XX/XXXX letter indicated I was approved for a modification and the trial period would start XXXX. Also, previous correspondence stated that all credit reporting would be suppressed until XXXX, which apparently that didn't happen. I really insist that this get updated immediately since I have been told previously this was sent to all three-credit bureaus. This has caused my credit score to drop by XXXX points. I also made a payment to Rushmore in XXXX before the loan was transferred to XXXX on XX/XX/XXXX.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXXXXXX 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: Mortgage

Hello loan number XXXX I made my XXXX mortgage payment of {$2000.00} as United Wholesale mortgage portal stated in the amount of {$2000.00}. on XX/XX/2023. 

I received a letter on XX/XX/2023 stating my XXXX payment is being held in suspense due to and amount due of {$770.00}. I was not made aware of this {$770.00} until I called and spoke to Customer service on XX/XX/2023. This is a problem for me because it looks like i have not paid my mortgage ON TIME!. 

The reason my Mortgage statement balance was only showing XXXX for the month of XXXX XXXX was due to a NYHAF remaining credit from XX/XX/2023. 

If not for the credit from NYHAF for {$860.00} The original XXXX payment would have been {$2900.00}, but with the credit of {$860.00} from NYHAF brought the payment to {$2000.00}. 

I am also due a credit of {$1300.00} from NYHAF this wire was sent to UWM on XX/XX/2023. UWM is aware of this and will post once they locate the payment I am told. 

All I want at this time is not have to pay an additional {$770.00} to UWM- when I was NOT told about making this payment until XX/XX/2023. 

Why should I have to make an additional payment of {$770.00} as I was just told about adding this to my XXXX payment - and I have a credit of {$860.00} and {$1300.00}. 

If all I saw in the UWM portal on the day of my XXXX payment was to pay {$2000.00} which I paid. 
The account then said XXXX balance in the UWM portal. for my XXXX XXXX payment. 

I do not want my credit to show any late payments because of this. 

Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND I HAVE REACHED OUT TO CB 'S  MANY TIMES FOR HELP WITH THIS ISSUE AND THEY REFUSE TO INVESTIGATE PROPERLY EVEN WITH PROOF OF IDENTITY THEFT AND ALL THE OTHER INFORMATION I PROVIDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company accessing my credit report without my consent and also charging fees for using their ATM Machine
Product: Money transfer, virtual currency, or money service

I was looking for a network switch. A XXXX user, XXXX, reached out to me that he has XXXX. 

Originally, I insisted to go with the XXXX XXXX and XXXX, which is the typical way. However, he said he does not use XXXX and he prefers XXXX XXXX or XXXX. He also XXXX sent me a photo with the item and his XXXX id as the timestamp to obtain my trust XXXX XXXX XXXX XXXX Since I don't have a lot of knowledge on these types of scams, I trusted him and transferred him {$200.00} using XXXX via XXXX Chase Bank XXXX XXXX XX/XX/year>. This name is showing as XXXX XXXX and his phone number is XXXX About XXXX hours later, I lost contact with him and his XXXX account got suspended. I tried to call his number and no one picks up the call. 

Hence, I called Chase bank immediately to report the scam. They told me that I transferred via XXXX. Hence, I need to reach out to XXXX. 

After calling XXXX, they told me that I transfer through Chase Bank 's app, which is not their own app. Hence, I need to reach out to my bank to file the claim. 

I called Chase bank again, but they told me that I should definitely reach out to XXXX. There is nothing they can do. 

I know I was stupid enough to trust someone from the internet. I am very regret of it and learned my lesson. However, I am pretty upset that neither financial institution is even willing to help. Especially, given I know the scammer 's name and phone number, I am surprised that they are not even wiling to do something with it.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to XXXX XXXX with my children to celebrate my daughters birthday. I paid {$110.00}. When we arrived we showed up to the front desk and purchased wristbands. We were talking to their associate at the front desk for about 15 minutes after we already made a purchase because we were confused as to how it works. The associate didnt thoroughly explain so we just said wed figure it out. We walked around the entire place for about a Half hour trying to figure out what rides our younger children could get on. Not to mention the wait time that we had to wait to get on. They could only get on 2 rides by their self. While we were in line our son came to us and asked what else could he do? He played all of the arcade games already. We were confused because it had only been about 20 minutes. He said that a lot of the games were broken and a lot of the arcade games were exactly the same. We then went up to the front and We asked the supervisor if we could have our money back because our children could not get on any rides and we were unhappy about our son not getting any use out of his arcade pass. The supervisor straight up said no because we have been there for over an hour but in reality we were trying to figure out what our children could get on. He also mentioned that the arcade pass was very useful because there were over 60 arcade games when that wasnt true. I pointed out that a lot of his arcade games were broken and I also pointed out that there might be 60 arcade games but theyre all repetitive so in reality there is not 60 arcade games and the manager didnt say anything about that he just said we cant give you your money back. I was very distraught and my children were very sad because they couldnt get on anything. The signs were not clear. If they were we wouldnt have stood in line talking to the cashier 15 minutes after we already purchased the tickets be supervisor was very unhelpful throughout the whole ordeal and he wasnt willing to help us in anyway possible. I tried to dispute the charge with my bank and my bank Basically told me that I authorized the purchase when that wasnt even what the dispute was about. My bank accidentally put down my dispute was not as described. My dispute was about unsatisfied by services that werent rendered. they basically took the business side over mine. The dispute was about the services that we did not receive and the unsatisfaction of the experience
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ), specifically Cash App failed tot take timely and effective measures to prevent and 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Checking or savings account

on XX/XX/2021, Bank of America placed an {$880000.00} hold on my account. I spoke with a branch manager and got customer service on the phone. They could not provide a reason as to why this hold was placed on my account. I was told to call back the next day. I called the morning of XX/XX/2021 and there was no answer as to why the hold was placed on my account and there was no reason for what initiated the hold to begin with. No information. Nothing. Just told to call back later. In the meantime, they are illegally holding $ XXXX of my money. This is after having a XXXX  XXXX  put in and having told bank of america that this type of stress this close to my procedure puts me at undue risk for complications. They could care less. I will be suing them.
Product: Credit reporting or other personal consumer reports

INACCURATE REPORTING Transunion, XXXX, and XXXX are reporting different Date Opened, Balance, High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Date Last Active, Date of Last Payment, and two-year history for the same accounts. In the comments section failing to mark the account is being Disputed after receiving dispute letters. 


INACCURATE ACCOUNTS BEING REPORTED XXXX XXXX Acct # XXXX This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts XXXX : XXXX XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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: Debt collection

The original creditor XXXX XXXX XXXX  ( XXXX XXXX ) Account no. XXXX charged the original debt off and without my consent ( written or oral ) sold to Midland Credit Management. The law states : Consent is Required A contract can not be valid or legally binding unless consent is given. Consent, essentially, occurs when two parties mutually agree to form a contract with each other. Consent can not be given under pressure. If one or both parties provided their consent under duress, the contract will not be legal. 

Therefore, this amount that Midland Credit Management is trying to collect on is not mine. They made an account unbeknownst to me. Account no. XXXX. I have written to this company four ( 4 ) times to ask them for the original contract I signed and authorized with Midland Credit Management. ( Please see attached ). 

Also, they have been threatening to sue and that's against what Congress set as laws to protect the consumer. ( Please find attached ). 
XXXX False, deceptive, or misleading representations or means
Product: Debt collection

Company failed to provide me with my signature to validate the debt. Only send credit card statements saying this is there validity.
Product: Credit card or prepaid card

The credit card issuer collected my deposit of XXXX at the opening of my account. 90 days go by and they tell me I only deposited XXXX and had a credit line of XXXX. But this is incorrect. I has a credit line of XXXX and made multiple payments each statement. They never accurately reported my payments and then closed account. I never received my deposit and they continued to report on my credit for 4 months after closing the account late payments on a supposedly closed account
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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