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

Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system..CHAPTER XXXX BANKRUPTCY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I, XXXX XXXX XXXX XXXX created an account with Experian to check my credit report. At a glance everything looked okay until i got to the " collection '' part of the report and saw that there were 3 collections accounts in my credit report. I immediately called the collections companies to find out what the accounts were about. It is then i realized that someone had stolen my identity and used it. I told the collections company that i might be a victim of identity theft as i have never received any form of service from these companies. The refused to listen to me and asked me to pay even though i never received any form of service. It is not my fault that i have been a victim of identity theft and I should not be held liable for anything done with my identity without my permission. I also noticed that there are fraudulent hard inquiries and an address on my report where I have never lived. I am filing this police report so I can report this crime. The fraudulent information appearing in my credit report is as follows : XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  All the following information appearing on my credit report is fraudulent and I have never authorized any of these.
Product: Money transfer, virtual currency, or money service

I transferred my account from Robinhood to XXXX 13 days ago. There TOS states it will be completed in 5-7 trading days. They deactivated my account without my consent and are holding {$1600.00} that they refuse to transfer to my bank or XXXX. They have no phone number and i have emailed them multiple times daily but never receive a response besides an automated we'll get back to you in 1-3 business days.
Product: Credit card or prepaid card

Signed up for a XXXX XXXX XXXX XXXX. The card never arrived. Multiple calls to customer service are unable to resolve issue. Customer service unable to do anything, they claim that I need to have the card number in order to receive a new card. Unsure how this would make any sense to a XXXX  XXXX speaker. Customer service is obviously located abroad without proper oversight or quality control.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( operated by Square , Inc. ) for closing my account without my knowledge, consent, or a clear explanation of why it was closed. I have made multiple attempts to contact Cash App customer service for clarification, but I have received little to no information regarding the reason for the account closure. This lack of communication and transparency is troubling and appears to violate consumer protection laws under the Electronic Fund Transfer Act ( EFTA ), which mandates that financial institutions provide adequate notice to consumers regarding account actions such as closures. 

Specifically, Cash App failed to notify me in advance about any issues with my account or provide any warnings before closing it. I was not given the opportunity to address any problems, and no clear explanation was provided when I reached out to customer support. The responses I received from Cash App were vague and did not reference any specific violation of their terms of service or policies. 

As a consumer, I believe I am entitled to a fair and transparent process when my account is impacted, especially when it concerns the closure of my account and the possible impact on my financial transactions. Cash Apps failure to communicate the reason for this closure and its lack of adequate responses to my inquiries have caused significant inconvenience and distress. 

I am requesting that the CFPB investigate this matter to ensure that Cash App complies with applicable consumer protection laws and that they provide a full explanation of why my account was closed, as well as any actions I can take to resolve the issue.
Product: Credit card

i tried to call this number and i can not call long distance. I thought my complaint was pretty well described, I had a card with capital one and told them i wanted to close my account and when i tried to make the last payment they refused to take the payment .I called to find out why and was told my account was frozen. so this became their account they controlled the blocking of my final payment which isIllegal this is what i learned from XXXX free legal advice and they told me how to handle this.
Product: Bank account or service

I am a victim of identity theft and my information was used to open a deposit account with XXXX XXXX Bank, I contacted the bank regarding this matter, I submitted all of their ID Theft Claim paperwork, and the ID theft claim determined that it was a fraud account and sent me a letter as well, which I attached. Now there is a reporting on my Early Warning consumer file for those fraudulent accounts. 
I made a dispute with EWS and supplied them the letter XXXX XXXX provided me, clearing me from this account. There ( EWS ) response was that they investigated my case and determined that the reporting is accurate, I do n't know how there getting that information because XXXX XXXX told me to provide EWS with the letter so they remove it.
Product: Credit reporting or other personal consumer reports

his letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 
Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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: Debt collection

A lady name XXXX XXXX called me at XXXX today from ( XXXX ) XXXX saying that a case has been filed against me for fraudulent activity and connected to my SSN. She left a call back number that is different from the one she called me from at ( XXXX ) XXXX ex : XXXX and I called back and a different woman I ca n't remember the name of answered saying I owe a Medical Debt for an ambulance ride for {$2700.00}. This is different from fraudulent activity. The lady started asking for my checking information and I refused to give it to her and I asked if there 's any way to pay by mail. She told me I had plenty of opportunities to pay by mail and that I was receiving a lot of mail from them, which is n't true. I did receive some mail a while back, but I had no way to pay off the debt at the time. I told her I 'm willing to pay {$40.00} per month now, which is what I can barely do, because I only work part time and I school part time, but I would prefer to do it via mail, not over the phone. She then transferred me to her supervisor. She repeated all the details of the debt for me. I told her again I 'm only willing to pay by mail and I do n't have a check card, I have an old Debit Card that only works at ATMs. The supervisor then asked for my banking information since I ca n't do the checking option. I refused again and said only by mail and she just asked " why is that? '' I hung up, which probably was n't the best thing to do, but they were hounding me for information I did n't want to give. Also, having the lady, XXXX XXXX call and say a case has been to my SSN for fraudulent activity makes it seem like I 've done something illegal. I had no insurance back when I took the ambulance ride. I saved the voicemail XXXX left me and the other XXXX women who I talked to said the conversation was being recorded. The case number XXXX left me is XXXX.
Product: Credit reporting or other personal consumer reports

I was completely shocked to see inaccurate accounts appear on my credit report tonight, and I have no idea how they got there. I check my credit report regularly, but this time, these discrepancies just appeared out of nowhere. I even tried refreshing my browser, thinking it might just be a glitch, but the inaccuracies remained. Now, Im hoping that the documents Ive provided will be thoroughly reviewed so I can stop worrying about this ever happening again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX Account # XXXX, has violated my rights. I do not have an account with this company, and I was never provided the original copy of the contract showing I owe this debt that I have requested for proof from the company which have not been provided. 
15USC 1681-602A states I have the right to privacy. 15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be. deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not included This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.
Product: Student loan

I recently contacted American Education Services ( AES ) on XXXX XXXX, XXXX. I spoke with customer service rep, XXXX, with employee ID # XXXX. My call was in reference to XXXX loans that have now come into repayment status, and were formerly owned by National Collegiate Trust, but are now managed by AES. XXXX other loan, formerly owned by XXXX XXXX XXXX, and now managed by AES is current and the payment is manageable. 

I 'm currently unemployed, diligently seeking employment but have not yet received any job offers. I was last employed full-time in XXXX. XXXX was highly professional and diligent in seeking a solution to offer. I had inquired on the possibility of deferring or forbearing the XXXX loans. XXXX was unable to offer that option, or rather AES was insistent in not extending this offer. The only solution she suggested was to place all XXXX loans into an automatic payment plan that would lower my percentage rate by a 1/4 % over the life of the loan. Yes, that does make sense ; however, I can not acquiesce to that offer until I can make payment on all XXXX loans. 

Despite XXXX 's professionalism, in other calls to AES, I have found its employees rude and belligerent. When I asked to escalate my issues to a higher manager, they would say, " Why? They 're just going to tell you the same thing? '' Inexcusable. 

I would greatly appreciate any assistance you can offer to mediate this situation CFPB. I realize that I am contractually obligated to repay these loans, which I have never lost sight of ; however, I would like to reach an agreement with AES that would mutually satisfy their need or assurance of repayment, and my need to make a payment that is substantially lower than what I 'm currently now paying.
Product: Student loan

I have tried to make payments to student loan servicer Aidvantage which payment being reversed because it can not find the account. I have triple checked the accounts used for payment and have attempted to pay the XXXX XXXX  loans on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Mortgage

On XXXX XXXX XXXX Mr. Cooper Mortgage added a {$1100.00} XXXX XXXX  Policy to my mortgage acct. This policy was not for the mortgage at XXXX XXXX XXXX, XXXX XXXX Mich. XXXX. I had already renewed my homeowners XXXX policy on XXXX XXXX, XXXX  in the amount of {$790.00}. After calling XXXX XXXX and Mr.Cooper the policy was cancelled. However Mr. Cooper refuses to update my escrow account and the false charges have increased my payment from {$700.00}. to {$760.00}. I can not pay that much we are seniors on a fixed income and my husband is a XXXX Vet with stage XXXX XXXX.
Product: Checking or savings account

I Totaled my XXXX XXXX. 
I was given a XXXX dollar check on XX/XX/XXXX  I was then told on the XXXX that my money WILL NOT BE AVAILABLE UNTIL XX/XX/XXXX This us an insurance check drawn XXXX XXXXXXXX XXXX. My adjustor wrote the check and yesterday MONDAY XX/XX/ The check cleared his bank. I told BANK OF AMERICA. and yet they refuse to help me. I also called XXXX XXXX and they gave me a phone number for BANK OF AMERICA TO CALL and fix this totally messed up situation., Again they refused to call XXXXXXXX XXXX XXXX 

Bank Of America is stopping me from vuyung a vehicle, I cant go to work without a vehicle and I'm in jeapordy of losing my job THUS IS TOTALLY UNACCEPTABLE. Bank Of America refuses to release my XXXX dollars and I'm being unjustly persecuted and may very well lose my job because if ut
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and this accountXXXX looks weird to me. This creditor XXXX XXXX previously reported this account on all 3 bureaus and actually only Transunion account keep this account on my credit file. 
In accordance with the Fair Credit Report Act, Credit bureau supposed to report accurate information on the consumer file, I demanded to investigate this account, because everything on this credit item on my credit report looks to be incorrect, and when this account was reported to XXXX and XXXX they found that this account is not belong to me and it was removed from my credit file. please review the update attach report.
Product: Checking or savings account

My Navy Federal account was closed after years with them for alleged fraud. They advised that my phone was used to log into someone whom I am not familiar with account. I asked was anything stolen they said no but they had to close my account because this is fraud. I advised that my phone id and purse was stolen and that I had a police report they did not offer to review. They shut my account down immediately and treated me like a criminal. I still have an active savings account and XXXX XXXX XXXX policy but they wont speak to me because they said my account is high alert which is very disturbing considering I did nothing and no crime was committed.
Product: Mortgage

Hello SIr/Madam, I requested Fifth Third Bank to close my escrow account around 1st week of XX/XX/2019 ( my home LTV was less than 80 % ), they told me that once I make a written reqest it will be closed in 2 buisness days and mortgage payments starting from XX/XX/2019 will be adjusted accordingly. I received a refund check from escrow companay around XX/XX/XXXX week, however as of today it's been 1.5 month and even after multiple conversations, it's not done even after they having all the evidences to establish LTV < 80 % : -their appraisal report apprasing property around XXXX ( LTV 76.5 %, home loan is approx 343,000 ) -XXXX  county appriasal report of property around XXXX for tax purposes ( LTV 78.5 % ) -PMI cancellation notice ( sent after LTV < 80 % ) Even after having all these evidences they haven't closed my escrow account & monthly payments adjusted accordingly. I would request XXXX to step in to resolve this.I would be glad to share you any information or documents that you need. 

Thanks, XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my reports that are not only inaccurate, but they are different reports on all three reports some stating 30 days late and 60 days late on my credit reports : paid account number : XXXX XXXX from TransUnion shows 30 days late on XX/XX/2022 with the previous month showing paid on time and the following month after paid on time as well and XXXX XXXX XXXX which shows on their file that its 60 days late but the previous month and after month paid on time unsure how a payment can be 60 days late if months before and after are paid on time ( XXXX XXXX XXXX ) shows XXXX late with the same paid on time months as listed above for other accounts. No payments were made late these consumers reports are all reporting false and inaccurate information without any reporting agency reports being the same. 

Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Also please update my balance on my credit report it is not what is being listed currently on my credit reports some of the balances are different from what is shown on all three reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with XXXX for 4 online classes in XX/XX/XXXX. XXXX set me up with 2 loans through First associates in XXXX XXXX for XXXX. I took and completed the first course, which cost XXXX. I then was diagnosed with XXXX XX/XX/XXXX. I called XXXX, told them of my diagnosis and how it changed my plans. I asked for a refund for the 3 courses I never started. They refused. I contacted First Assoc. and told them I would pay them for the 1 course I had completed. I was told they had disbursed both loans to XXXX in XX/XX/XXXX and had to repay them whether or not I had started the courses. I then questioned XXXX why I couldn't get a refund on the 3 courses. they said I had 10 days after I started the first course to ask for a refund, even though the 2nd, 3rd, and 4th courses wouldn't begin for months. The first course lasted 8 months, the next 3 only last 4-6 weeks each. I feel this was extremely deceptive! I questioned why they disbursed the 2nd loan  before I completed the first 2 courses on the first loan. The simple fact is XXXX recieved the XXXX and after 10 days I could not cancel. 
In XXXX I disputed the First Assoc. account on my credit report. It was removed because the amount was incorrect. 2 months later it showed up again on my credit report again, but with a different name. Vervent Inc. Which is First Assoc. of XXXX XXXX. Same address, same phone #, same company, same account I had removed in XXXX. This account has been on my credit for 7 years 3 month.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a {$57000.00} auto loan, on my credit report from XXXX XXXX I have contacted them over and over again. I do not own nor have I signed for a XXXX truck, I asked them to remove the negative item off my credit report, because it is a error and fraud. They said, that they would investigate the matter and I didn't receive any update status etc. The collection account, is just remaining on my credit file and hurting my score and was in the process of doing a home loan and lost the loan, because XXXX, reopened the collection accounts investigation account and re-aged the collection account any score dropped 67 points. This is a case of fraud and poor accounting/bookeeping/poor management, on the part of XXXX. They should know without a doubt, whom they have sold a truck to for {$57000.00}. I never went into the dealership, gave my information, signed and agreement or contract, nor have I co signed or taken or received a truck from their company and it is causing me great hardship and harm. XXXX refuses, to correct their error, on my credit report. 

XXXX  transuinon and XXXX, are required to have a copy of all signed agreements /contracts in hand before reporting any accounts to the credit reports. This requirement, is in place, so that a account, can not be reported, without be verified and have sold proof, that the account actually belongs to the person, it is being reported for. 

There has been no validation/verification, because there can not be one completed as this is not my truck or debt and none of the parties are showing any professionalism and morals, by refusing to correct a clear and present error.