23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX of 2022, I requested a refund of the payments I made voluntarily during the XXXX payment pause. XXXX XXXX issued a refund check in XXXX, but it was unfortunately either lost of stolen by the XXXX. I reported the check as lost or stolen, and XXXX XXXX was able to recover the funds. I have been requesting that a replacement check be issued to be since early XXXX, but have not received one to date. Accordingly to the Department of Treasury, XXXX XXXX has made no request for another check to be issued to me. My student loan balance reflects the amount that was to be refunded to me, so I now owe the money that I have not been refunded. I have contracted XXXX XXXX repeatedly via email and via phone, but have not been able to resolve this matter with them. I am requesting assistance from CFPB in receiving a refund of my student loan payments.
Product: Credit card or prepaid card

I have an XXXX Master.Card Account number XXXX. 
I have notified the company that my statement has charges I didn't incur, but they won't send me an accurate statement so I can make timely payments as I always have. The company has erroneously reported my account as delinquent to the Credit Reporting Bureaus!
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, account # : 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted them via telephone and in writing. They are reporting that I filed a recent bankruptcy in XXXX  causing me to be declined and or pay higher interest rates. I did not file bankruptcy in XXXX. My ex husband filed in XXXX and I was by accident added by mistake. They quickly corrected the issue and closed the bankruptcy with me. My ex husband currently filed the bankruptcy and not me. The credit company has failed to correct this issue by removing the bankruptcy filed in XXXX by my ex husband. They fail to do anything with removing and its causing me to be declined bc of this error. Banks are looking that I filed bankruptcy in XXXX  counting it has a recent bankruptcy. However, there is no court order showing a discharge of this XXXX bankruptcy but I did not file one. They also fail to remove inquiries that I have in writing disputed. I have a fraud alert on my credit which makes a company have to go through steps to extend credit. The companies have never called me and I have never done business with them. The alert was placed due to my ex husband using my social security number. The same companies are running my credit every month without getting authorization from myself. The credit agencies as well failed to protect my credit account even with several telephone complaints and filing concerns and disputes in writing. This is an issue with all 3 credit agencies.
Product: Credit card or prepaid card

There was a fradulent purchase made with my CAPITAL ONE credit card. I tried to file a dispute, and was told that I did not provide enough evidence to have this charge reversed. XXXX XXXX XXXX fradulently used my card to order an appraisal from XXXX  XXXX XXXX, however, I never authorized this charge at all. There is nothing in documentation that indicates that I authorized this charge. This is absolute fraud. 

Case Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In ordinance with consumer law 15 USC 1681 section 602 right to privacy this law was violated and i would like to have debt removed off of my report and it has impacted my XXXX XXXX. Ive tried to speak to debtors directly to have this resolved but hasnt been. Dollar loan center and the debt was sold to XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of FCRA 15 USC 1681a ( 2 ) ( B ) and has furnished this information to a consumer reporting agency to hurt my character. 15 USC 1681a ( 2 ) ( B ) falls under the exclusions section, exclusions define what aren't supposed to be included in a consumer report. It reads ... any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; this account was allegedly extended and is not supposed to be included. XXXX  is also in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) which is also under the exclusion section for what is to be excluded from consumer reports and it reads ... report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX Last XXXX Digits of Social Security Number : XXXX Phone Number : XXXX XX/XX/XXXX To Whom It May Concern, Dispute Department I am writing to formally dispute several inaccuracies on my XXXX credit report. Below are the details of my disputes : **Dispute XXXX : ** **Account Information : ** - **Account Name : ** XXXX XXXX  - **Phone Number : ** ( XXXX ) XXXX - **Address : ** XXXX XXXX XXXX, XXXX, DE XXXX - **Account Number : ** XXXX The account and its reported balance do not align with my financial history. I have previously submitted multiple disputes, an identity theft affidavit, a fraud report, and a police report regarding this matter, yet no corrections have been made to date. 

**Dispute XXXX : ** **Account Information : ** - **Account Name : ** XXXX XXXX  - **Bank Name : ** XXXX XXXX - **Phone Number : ** ( XXXX ) XXXX - **Address : ** XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Similarly , the account and its balance do not belong to me. This issue also pertains to identity theft and fraud. I have submitted all relevant documentation required for resolution multiple times, but the inaccuracies persist. It is crucial that the incorrect balance on this account is addressed promptly, as I have reported this as a case of identity theft. 

Thank you for your attention to these matters. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX Last XXXX Digits Of Social Security Number : XXXX Phone number : XXXX Dear Dispute Department, I am writing to dispute some information on my XXXX credit report. The following are the details of my dispute : Dispute XXXX : Account Information : Account name : XXXX Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX Account number : XXXX This account and balance do not belong to me. I have already sent numerous disputes, an identity theft affidavit, a fraud report, and a police report regarding this urgent issue, but it has not been corrected yet. 

Dispute XXXX : XXXX XXXX XXXX XXXX  Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX These accounts and balances do not belong to me either. This is a case of identity theft/fraud, and I have already submitted all the necessary documents to rectify this issue multiple times. The balance listed on this account is incorrect and needs to be corrected. I have already reported this account as a result of identity theft. 

Thank you for taking the time to look into this matter. 

Sincerely, XXXX XXXX Your Inquiry to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

They just want money, money, money ... they do not care if you are struggling with payments. They do not care. They are arrogant and disrespectful people. All my attempts to contact them and asking them to set up a payment plan ended up asking for more money from me. I am not sure if they are XXXX  or not but I am getting angry for not being heard. I will dispute any negative information on my credit reports as i was not aware that they report to them.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$14000.00}
Product: Money transfer, virtual currency, or money service

Coinbase has been taking no action to resolve my fraudulent identity verification. I have been locked out of my assets with my account frozen since XXXX. They had no problem taking my money and allowing me to trade up to the amount of over {$10000.00}, then began requiring identity verification. It was only a problem because they did not recognize any address and provided me with false identity verification questions. 
I have tried to contact them in a regular basis since mid XXXX. No minimal correspondence and no resolution. They even drop my calls when I call customer service and do not call me back. They hang up on me after I get connected with an agent more than once as well. 
I need access to my funds as it is unlawful and fraudulent to hold my funds with no explanation nor attempt to fix the problem. As a result I have lost thousands in trading possibility as well as investing at times that would have profited me signinficantly. There have been damages in excess of {$10000.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, we, XXXX XXXX XXXX XXXX found out that a repair check was cashed without our signature. We reached out to the insurance company that issued the check, XXXX XXXXXXXX XXXX. It was check # XXXX in the amount of {$380.00} made out to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The insurance company adjuster, XXXX from XXXX XXXX XXXX, a XXXX XXXX, advised she would have to get the affidavit of forgery from the bank, Renasant Bank. They are supposed to provide the documents needed to start the forgery claim. They have been uncooperative and have not provided the documents for us to get started.
Product: Debt collection

An alleged debt of {$770.00} continues to be reported on my consumer report despite proof that I did not personally open this account. I have shared with XXXX XXXXXXXX XXXX XXXX XXXX XXXX an FTC affidavit, police report, XXXX proofs of residency dated from XX/XX/XXXX through XX/XX/XXXX, an identity theft packet from the local sheriffs department that included a second affidavit, and XXXX still refused to remove this alleged debt and claims I am still responsible for the debt. My ex-boyfriend used my social security number and compromised my personal information to open up an XXXX account without my permission. He attempted to make payments in good faith, but due to the worldwide pandemic, he was unable to continue making payments. Thus, causing a derogatory mark on my personal consumer report. This went unnoticed until I starting receiving debt collector letters. 

I did not discover these charges until late XXXX in which I contacted XXXX for billing statements to unravel and self-investigate the alleged charges. XXXX XXXX XXXX, and XXXX from the collections department, have both interrogated me with FALSE ASSUMPTIONS. They refuse to provide me with the original agreement that shows my signature or any other proof that I entered into an agreement with them. I have called XXXX to resolve this over the phone with negative pushback and insensitive remarks accusing me that I owe this alleged debt. I have mailed PROOF to them that I never opened this account. I have requested billing statements, along with the original agreement and full accounting statements, but they refuse to provide me with details about this account. 

In addition, on XX/XX/XXXX, I sent a complaint letter to all XXXX credit bureaus ( XXXX, XXXX, XXXX ) explaining that FCRA 605B requires consumer reporting agencies to BLOCK fraudulent information within 4 days. I have given no one CONSENT to report this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting four bankruptcy cases on my credit report XXXX and XX/XX/2022. Transunion and XXXX states the information was furnished from Bankruptcy Court State of Wisconsin .I have attached a letter from the Bankruptcy Court stating they do not furnish nor do they verify or validate this information Transunion and XXXX is reporting in this report and I have furnished them and added to this report the information from the Wisconsin Bankruptcy Court stating they do not verify this information. Transunion and XXXX is falsely stating this information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX University for the ongoing inaccurate reporting of late payments on my credit report. Despite my repeated attempts to resolve this matter, including contacting XXXX University and the credit bureaus several times, the issues remain unresolved. 

Here are the details of my situation : Creditor : XXXX University Account Number : [ Your Account Number ] Inaccurate Late Payments Reported : XXXX entries since XX/XX/XXXX In XX/XX/XXXX, I received a letter from XXXX University confirming that I do not owe any balance. However, they continue to report multiple late payments to the credit bureaus, which is causing significant harm to my credit score. 

I have disputed these entries with the credit bureaus ( XXXX, Equifax, and XXXX ) on several occasions, but the inaccuracies persist. The continued reporting of these late payments is not only incorrect but also potentially violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, 15 U.S.C. 1681, Section 602 ( a ) states that I have the right to privacy, and 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. 

The actions of XXXX University and the reporting agencies have violated my rights, and I request that the CFPB investigate this matter and help facilitate the correction of my credit report. I believe that I have taken all necessary steps to resolve this issue directly with both XXXX University and the credit bureaus without success. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and any assistance you can provide in rectifying this situation.
Product: Credit reporting or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA.

I am contacting you because Experian claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate.

However, these accounts is STILL inaccurate and their companies is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my accounts was property investigation but how is that possible if the credit bureaus are reporting different information. 

XXXX XXXX XXXX account number XXXX Amount {$960.00} Last verified date is inaccurate, date of last activity is incorrect, closed date is false, high balance is missing and date reported is invalid.

Us Dept of Ed/ account number XXXX Amount {$3500.00} Last verified date is not accurate, date of late activity is incorrect, date reported is not correct, and the closed date is false. Also, this account is 10 years old. That is past the status of limitation. 

Us Dept of Ed/account number XXXX Amount {$3500.00} Date opened is inaccurate, High balance is inaccurate, last verified date is inaccurate, the closed date is false, and date of last activity is not accurate. This account is also 9 years old. That is past the status of limitation. 

Credit Collection Service/ account XXXX Date of last activity is inaccurate, and the close date is false. 

I have provided XXXX XXXX XXXX credit report along with Experian credit report to prove my case.
Product: Vehicle loan or lease

Sent a letter twice, but no response. Letter that was sent I am writing to follow up on my recent request for a settlement on my auto loan account. As previously shared, I respectfully ask that my final payment be accepted as full and final settlement of the account, based on the following circumstances : 1. XXXX XXXX  was shut down in XX/XX/year> due to government efficiency cuts ( DOGE ), resulting in a loss of employment and financial hardship. 
XXXX. I have paid over {$80000.00} toward a loan that originally totaled {$25000.00}. 
XXXX. My grandmother, the co-signer, passed away last year, which has added emotional and financial strain. 
XXXX. The vehicle was totaled XXXX years ago, and the insurance company issued a payment directly to your institution. However, the insurance payment did not fully satisfy the balance. 
XXXX. Incorrect credit of 30 days late in XXXX ; however, the bank statement showed the payment, which was sent to the loan company. 

Given that I have not had access to the car for over XXXX years and am not currently working, I kindly request that my most recent payment be accepted as a settlement to close out this account. 

Please let me know if any documents or forms are needed to formalize this request. I am hopeful for your understanding and support during this time. 
Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX  XXXX  XXXX being reported on my credit reporting file that not correct at all
Product: Credit reporting, credit repair services, or other personal consumer reports

In view of the massive data breach at Equifax, today I attempted to obtain a copy of my free annual credit report from the Company. After supplying my full name, both current and prior addresses, date of birth, and my social security number I received a response indicating that I needed to provide further data so that I could be identified. The data requested was further financial data, including pay stubs, W2 forms and so forth. This information was to be provided by US mail along with a paper request for the credit report. 

I declined to provide any additional financial information to this Company, as it has showed it is incapable of safeguarding my highly confidential personal data. Moreover, I strongly object to Equifax using the obligation they have to provide consumers with a free annual credit report as a mechanism to collect even more, private financial data about people. 

Equifax should provide credit reports online with requiring additional financial disclosure from persons applying for their free annual reports. The information I provided online already was more than sufficient to adequately identify me. Further, there are other ways to confirm my identity, which Equifax already uses, that do not require additional disclosure of financial information. It is simply a falsehood for Equifax to say I need to supply a paystub or W2 for them to identify me adequately. Ironically, only someone who had hacked the Equifax database would posses the personal information about me initially requested, and that I provided in the application for a free annual credit report. 

I wish to obtain a copy of my free, annual credit report without being required to supply any further private confidential financial information to this Company. Equifax should be prevented from using this obligation to provide a free credit report as a way to gather even more financial data from individuals.
Product: Debt collection

I have sent three different letters requesting verification and validation on this account. XX/XX/XXXX, XX/XX/XXXX and also XX/XX/XXXX. The company has not responded to any of the letters nor have they validated this account as being mine yet they still are actively reporting this account to the credit bureaus. I have not received any legal documentation such as a contract, agreement or promissory note with my signature that holds me legally responsible for this debt. I am attaching the latest letter sent to them but the exact same letter was sent on three different dates as stated above.
Product: Vehicle loan or lease

XX/XX/2012. I defaulted on my loan had my car repossessed so at the time I felt it was wrong for someone to charge me for something they took. The account still shows up on my credit report for a balance of {$3700.00} I'm more then willing to pay this if I get it removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax were hacked and lost all my information and the information of hundreds of millions of other Americans and this is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching the investigation request that my husband and I sent in to the credit bureaus onXX/XX/XXXX. They are supposed to respond with 30 days. Although my husband has received all of his responses on time, I have not yet received anything.