23daVinci/CFPB_Complaints huggingface dataset:
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 by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX. XXXX, XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.
Product: Student loan

XX/XX/XXXX, I was accepted at XXXX XXXX XXXX XXXX XXXX. I was offered the Federally Insurance Student Loan from XXXX XXXX Bank ( my grandparent 's bank ). XX/XX/XXXX, the bank disbursed to XXXX XXXX XXXX XXXX XXXX {$1500.00} for my tuition and fees which was to cover the year XXXX. The bank disbursed again in XX/XX/XXXX, to the XXXX XXXX XXXX XXXX XXXX {$1500.00} for the XXXX school year. No other student loan moneys were disbursed. I left the university XX/XX/XXXX. Then after 11 years, I was accepted to a graduate institution : The XXXX XXXX XXXX, in XXXXXXXX XXXX XX/XX/XXXX. The XXXX XXXX XXXX XXXX disbursed {$5000.00} for my first year of graduate studies XXXX. Then again, the XXXX XXXX XXXX XXXX disbursed {$2800.00} for the XXXX. Then again the XXXX disbursed {$5000.00} to cover my tuition and fees for the third and final year of graduate studies XXXX. XXXX provides grants and scholarships, but the moneys are billed to me under XXXX ( XXXX XXXX ). 
XXXX XXXX XXXX XXXX, and now MOHELA XXXX XXXX Servicer are the most recent servicers overseeing the 37 years to up to 53 years student loan misrepresentations which started back in XXXX. The servicers down through the years have misrepresented their forgiveness and repayment options. I taught Adult Education in XXXX which should have made me eligible for Public Service Loan Forgiveness ( PSLF ). I served in the United States XXXX XXXX and recommended to the XXXX XXXX XXXX This should have made my eligibility for Public Service Loan Forgiveness ( XXXX ) available. And see the attached PSFL application I am a Knight of XXXX former employee Field Agent and this too, makes my eligibility for Public Service Loan Forgiveness ( PSLF ) available. To say I must pay back {$100000.00} by the year XXXX when I only borrowed about {$15000.00} - {$18000.00}. This is engaging in deceptive acts and practices and it has harmed me the student loan borrower.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666B and 15 USC 1681b this is a billing error always paid as agreed on time this is an error this account in violaton.
Product: Credit reporting or other personal consumer reports

In late XXXXXXXX XXXX XXXX, I was applying for a new car at my home bank. When they did a hard pull on my credit, they told me that student loans at EDFINANCIAL were on there twice, each for {$84000.00}. 
We had consolidated that {$84000.00} with XXXX in XXXX of XXXX. The XXXX amount of {$84000.00} is also on there. It appears that I have a student loan debt of {$310.00}, XXXX, when in reality I have a student loan debt of {$140000.00}. EDFINANCIAL never removed the debt after the consolidation with XXXX in XXXXXXXX XXXX XXXX 
In XXXX I called EdFinancial and when I started to tell the representative XXXX XXXXXXXX XXXX  about my issue with my credit report, she interrupted me and said " It is not our fault, it is the fault of the Credit reporting companies. '' She explained that the same thing had happened to her and I need to file a dispute with XXXX. She said there was nothing, no accounts, listed on her records at EDFINANCIAL under my name or of my husband 's. I am the co-signer. 
I then called XXXX and talked to XXXX about the situation. He first said that I am about the XXXX person this week to complain about EDFINANCIAL. He filed the complaint for me. 
I received a result in XXXX XXXX saying the the dispute was completed and information was correct. But it is NOT! 
As I am writing this on XXXXXXXX XXXX EDFINANCIAL is listed on my credit report with amounts of {$84.00}, XXXX twice! 
I have enough student debt for our sons, without adding another {$160000.00}. This information is ruining my credit score. 
I am asking CFPB to demand that EDFINANCIAL removes this incorrect information from my credit report as soon as possible. It seems that these companies are above the law. 
Thank you for your understanding and help.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Hi my name is XXXX XXXX XXXX XXXX my Citi checking account XXXX and my reference case XXXX, I need really your help to get back my money from the bank, I went to the branch office and they didnt offering me any ways to get my funds sooner before the closing of my account. I just need help to get my money back, they have all my funds and I really needs my money. Ill really appreciate any help with my case
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found items on there to be inaccurate.

Under 15 U.S.C code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation ; promptly notify the furnished of that information that that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX SECURED CREDIT CARD- I dispute the missed payments and late payments on this account XXXX. COLLECTION ACCOUNT FROM XXXX XXXX XXXX never had a contract with this debt collector for any debt. Please provide legal proof from the original creditor that this debt collector owns this debt and has legal authority to collect it or delete this account XXXXCOLLECTION ACCOUNT FROM XXXX XXXX XXXX-I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Checking or savings account

My name is XXXX XXXX I need Reference # XXXX and Reference # XXXX and for claim number XXXX for {$150.00} and for claim number {$150.00} XXXX I need it to be reopen or reinvestigated or investigate or make into a new dispute and investigate again or give me one-time credit for it for both payments for {$150.00} for a total of {$300.00} with any other fees need to be credit back to my account because I have withdraw {$50.00} for both payments not {$150.00} for both of them My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX.
Product: Credit card

On XX/XX/2023, I checked into the XXXX XXXX XXXX for a business trip. The hotel asked to charge my card for incidentals as my employer prepaid for the lodging. However, the hotel charged me {$550.00} as well as my employer. I've been working diligently with Chase to resolve this issue to no avail.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : Paypal limits my account with a balance of {$8200.00} USD - no funds can move in or out of the account. They ask me for various documents to confirm the identity of my person and business, as well as information on some transactions which I immediately provide in full. XX/XX/XXXX : Paypal denies my documents and explanations describing the products/services and states it can not be accepted. My account remains locked and I still don't have access to my funds. I am sent the following form reply : " At this time, the limitation on your PayPal account can not be removed until the below issues are resolved.

To help us resolve this, you will need to : - Describe the products and/or services associated with your PayPal transactions. 
Please refer to : - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXX - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXX - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXX In response to this, I send in the requested info again, with descriptions and links to the highest level of detail possible. I also call Paypal 's phone line asking why my responses are being denied and what I can be doing to rectify the situation. They tell me they don't have a way to contact the compliance department responsible for making the decision, and tell me the best they can do is to make an educated guess about what they might want. Upon asking for a way to reach the compliance people myself, they tell me that they do not accept customer phone calls and will only accept communication and documents uploaded directly to PayPal. 

XX/XX/XXXX : Through email, Paypal informs once again they can not accept my responses and the limitation on my account can not be removed. My account remains locked and I still don't have access to my funds. I have repeatedly offered different explanations, documents, and screenshots 4 times, yet Paypal only sends automatic robot responses saying the limitations on my account are here to stay and that my responses were not good enough with no further explanation. They are holding my funds hostage.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX  2024, I sent HYUNDAI FINANCE a letter of instructions to opt out the sharing of my personally identifiable information with nonaffiliated third party companies and individuals, stop sharing information about my creditworthiness with any affiliate or non-affiliate of their company. My demands were ignored and my personally identifiable information was continued being shared affecting my Right to Privacy.
Product: Credit reporting or other personal consumer reports

I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear XXXX and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. 

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXXXXXX, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within XXXX  days of receipt of this letter.
Product: Credit card or prepaid card

yes XXXX XXXX put in another credit card under my name ssi number XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX doing fraud useing my information.
Product: Credit reporting or other personal consumer reports

Ive requested multiple times for the XXXXXXXX XXXX XXXX thay is not mine to be removed and to report my XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After many efforts, I need your help to have information removed from my credit report with XXXX, Experian, XXXX, and XXXX XXXX XXXX XXXX ( XXXX ). 

From XX/XX/XXXX to XX/XX/XXXX, I have requested on 4 times ( each ), for the credit bureaus and reporting agencies to remove inaccurate information, information that should not be on my credit report, and information not submitted by its furnisher. 

During the same time period, I notified furnisher providing information by letters to the credit bureaus to no longer share my account information with anyone besides myself. I also requested the furnisher to remove information that should not be on my credit report or inaccurate. 

ITEMS TO CORRECT : Remove XXXX XXXX XXXX This account was included in bankruptcy and charged off the furnishers profit and loss, thereby changing the status ( which is no longer a debt ). Needs to be removed from credit report with XXXX, XXXX, and Experian. 

Also notified ( mailed XXXX letters to XXXX address each ) the furnisher, XXXX XXXX XXXX and who has willfully not complied with my requests. 

Remove XXXX File transferred to XXXX XXXX XXXX / XXXX and is now a duplicate file and has not been removed by XXXX. 

Remove XXXX XXXX XXXX This file just appeared on XXXX, and I do not have a relationship with this company. 
This is a medical debt that infers I had radiology services ( HIPAA violation ) that I have no knowledge of. I called them and they got aggressive and hang up on me after insisting I owe this debt. I emailed them a cease and desist letter and demanded they remove this from my credit report. 

Remove Bankruptcy I provided XXXX, Experian, and XXXX with a letter from the court stating they do not furnish information to the credit bureaus. The bureaus were all reporting different information, court location filed incorrect, wrong amount, wrong type, and wrong dates. 

After the bureaus received the court letter, they updated the information based on what the XXXX bureau was reporting, instead of removing the inaccurate information. The information was not furnished by the originator the court. Bankruptcy should not be on my credit report. 15 U.S. Code 1681c ( 6 ) ( a ) ( 1 )
Product: Checking or savings account

Tried to open an additional savings account with Merrill Edge and they declined me, would not specify why, even thou I was an existing customer. I therefore started to remove my assets and they closed the account halfway thru the transfer and wont release my funds
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I contacted citi bank that a hacker had contacted me asking about a transaction made in XXXX and got all my information. This was with a citi bank phone # and they even sent a text message via the same text thread I get from Citi bank. When I got back to the office 5 mins later I realized via email from citi that a hacker accessed my online account and transferred out all my funds in my account. The hackers even changed my phone # on the account and I was over 4 hours on the phone with citi bank trying to resolve this problem. They said I needed to file a FBI report as well as a police report, I did this same exact thing that day. I then had to go into citi bank since they froze that account and said I now needed to open a new account. I HAVE NOT RECEIVED ONE LETTER FROM CITI BANK ABOUT THIS SITUATION. I went to the bank this Saturday and they still have no update on the situation and just told me the same thing to call back later in the week that these situations take longer than 90 days at times. Im so upset on the way Citi bank has left me in the dark the entire time with this situation I literally have to go into the bank because over the phone they tell me my account doesnt exist. I am a single mother who is now falling behind on all her payments due to citi bank being negligent and not even updating their loyal customer for over 10 years on this situation and how it would be handled.
Product: Consumer Loan

I financed my XXXX vehicle through PNC Bank XX/XX/2015. It was a new vehicle and i obtained a 2.24 % simple interest rate on the car. Since the loan term was 60 months or more I have been making my regular loan payments as well as additional payments that I have informed Bank personnel were principal only payments. Instead of posting the payments as principal the Bank has been posting them as regular payments and deducting interest from them. Hence the interest being charged on the outstanding is greater than, if the payments were posted correctly. I have contacted the Bank on several occasions. Initially I was told that their system could not account for principal only payments. It is my position their system issues are not a consumer responsibility. I want my payment to be posted as requested.
Product: Credit reporting

I tried to switch TV service to XXXX. Several attempts were made to get my credit infor from Equifax. XXXX only uses Equifax. First Equifax advised that I have a security freeze. I do not. I have fraud alerts due to identity theft XXXX yrs ago. The reps were impossible to understand their English. I was told I needed to write to get the security alert lifted. This is incorrect as I do not have a security freeze. After several calls over 5days, I was told that XXXX needed to only use my XXXX . XXXX would only submit with XXXX. 4 times I went to XXXX. XXXX reported XXXX ordered by credit report and gave their sales rep a ref. number ( total XXXX ref. numbers as their sale rep still could not get my credit infor. Equifax has done this to me before. That is how I knew it was not a security freeze. These errors cost me money. I still do n't have XXXX service ( choices in area are limited ) and I have a " hard inquiry '' on my account. Credit reporting agencys have too much power and abuse it. I ask that both XXXX and XXXX be contacted and my " hard inquiry '' be removed.
Product: Money transfer, virtual currency, or money service

I used Cash app XXXX app to transfer {$1800.00} dollar to my relative, since she didn't receive the money that transaction got expired, once it got expired it should supposed to come back to my cash app account. I did this transfer XX/XX/2024, and it expired XX/XX/2024. 

I called Cash app and they said they sent this money to my XXXX bank account, so I called XXXX bank and they didn't receive any money from Cash app that they claimed. Then I called Cash app and asked for tracking / reference number of that transaction that they were claiming to send my money back to my bank account but they were not able to provide me that transaction/ reference number and they said they can't help me to get this {$1800.00} dollar. 
Then I said I will file a complaint against them.