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

XXXX, XXXX & EXPERIAN The 3 well Known Credit reporting companies have no proof of my written consent to post my personal information on there sites. This is a violation to my constitutional rights, I have the United States laws listed below, with the links attached that protects my right to privacy. Along with the United States law that says the credit reporting companies need proof of my written consent, Which they don't have. I Also have the United States law that states, ( A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ). I do have the Account numbers as well, before the United States laws that protect my Constitutional rights. 

Account Number : XXXX Company : XXXX XXXX XXXX XXXX XXXX Company : XXXX XXXX XXXX Account Number : XXXX Company : XXXX XXXX 15 u.s.c 1681 section 602 A. XXXX XXXX XXXXXXXX XXXX XXXX Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : law.cornell.eduhttps : XXXX XXXX U.S. Code 1681s2 - Responsibilities of furnishers of...

it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section law.cornell.eduhttps : //www.law.cornell.edu text15 U.S. Code 1681c - Requirements relating to information contained in...

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) law.cornell.eduhttps : //www.law.cornell.edu text15 U.S. Code 1681s2 - Responsibilities of furnishers of...

A person shall not furnish any information relating to a 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

Credit Karma. I have an profile with them. They have all my very personal information, I'm able to view everything however when wanting to open an checking through the app, it was unable to die to not enough information to identify me after appying in the credit karma app where all of my other information is kept and jointed together. The chat agent " XXXX " the one and only agent after being asked for birth of date n last 4 social. It responded saying we re unable to identify you due to " lack of information ''. I have screen shots on my phone I would like to provide by email. It very suspicious, exspeaily when it said, many of our customers have tired n been working on it. They deny me why they couldn't identify me with all of my personal sensitive information. It odd n there is no call number
Product: Credit reporting, credit repair services, or other personal consumer reports

For some reason this company XXXX  XXXX XXXX is on my credit report. Its reporting a loan. I never applied for this loan. I tried to contact this company. No response. When I called their customer service. It goes straight to voice mail. This seems like a scam. Someone got my person information and is getting credit. I have a fraud alert on file. No one called me to tell me someone applied for a loan. I was never notified. This is fraud and identity theft. This needs to come off my credit report. Its reading 30 days pass due, collections, Delinquents. This is not my account. XXXX.2019. This is not my account never Authorize anyone for this company to request a loan. There is not even an inquiry on my credit report from this company. I have no idea how they got my information and how they are reporting like they are.
Product: Vehicle loan or lease

I paid my Chase Auto loan off approximately XX/XX/XXXX and everything seemed fine. I was never late with payments and I paid the car faster after refinancing. 
I even told the support I would be raising this everywhere I could and still nothing happened. 

Please help me. 

I called Chase Bank and they said they would release the title. I have constantly updated my address. I moved to XXXX and I took my title to have my car registered so they have a copy. 
Well now it is XXXX of XXXX and I need to register my car for tags and taxes with XXXX. I go to get a copy of the tag and chase wont release the lean. 
I have called them, gave them my address. Called again. Every time I call its like Im starting new. 
I called and sent messages through the banks customer center and they said they would call me, its been almost XXXX weeks now. 
Right now my car is illegal to drive and chase said they would open a case on this and then said we dont have any access to anyone that can do anything. 
Chase said they would expedite my lean release paper XXXX weeks ago but they did not do it electronically. AND it took 9 days to get here, Im only placing this here because they lied so badly. 
I need help, the only thing they have to do it release my lean electronically. Thats it.
Product: Credit reporting or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$420.00}
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint pertaining to the distribution of assets in the XXXX bankruptcy proceedings. As a creditor in this case, I was entitled to receive a specific distribution comprising XXXX, XXXX, and equity in the newly restructured company. However, to date, I have only received the XXXX and stock components, with the promised XXXX distribution notably absent. 

The official docket information, as disseminated by XXXX, explicitly indicated that the distribution of XXXX was scheduled to be completed by XX/XX/XXXX. Despite this stipulation, I have yet to receive the XXXX assets that are duly owed to me. This lapse has not only caused significant concern but also prompts questions regarding the integrity and transparency of the entire distribution process. 

It is imperative to note that this issue is part of a broader context wherein a substantial portion of my XXXX and other XXXX holdings were previously compromised. The current situationwhere I am being provided with an inconsequential amount of XXXX and ostensibly valueless stock, while being deprived of my rightful XXXX distributionraises serious doubts about the fairness and legality of the proceedings. 

In light of the above, I urgently request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and ensure that the distribution is conducted in accordance with the legal and ethical standards that govern bankruptcy proceedings. It is crucial that the rights and interests of all creditors, including myself, are upheld throughout this process. I request assistance in finding out why I haven't received my bitcoin distribution from PayPal ( servicing company ) and XXXX ( attorney ). 

I am prepared to provide any additional information or documentation that may be required to facilitate your investigation. 

Thank you for your attention to this matter.
Product: Checking or savings account

Hello, I opened an acct on XX/XX/20 with Citi Bank offering a {$400.00} bonus if funded and minimum balance of {$15000.00} and an extra {$100.00} with a direct deposit. 
Account was completely funded and direct deposits started by the 60 day time limit ( XX/XX/20 ). 

Since then I have called numerous times and I have been told that all obligation were met and money SHOULD be in my account. I received a letter from Citibank dated XX/XX/20 stating : " unfortunately, your account does not qualify for this promotion because the deposited funds were not New-To-Citi funds ''. 

The funds came from a XXXX account and not from a Citi account, I not only have proof from the XXXX acct, not only that, BUT MY Citibank STATEMENT shows its from XXXX! 

Today I visited my local Citibank branch were I was told they could not help me and that I needed to call the XXXX number, which I did from THE BRANCH. After speaking to 4 DIFFERENT representatives and on the phone for almost 90 minutes, the call was disconnected. The branch manager was there to witness it. Last person I spoke to was an agent by the name of XXXX. 

I have probably spent more time than {$500.00} was worth, but its a matter of principle now. 
I'm disgusted by the way Citibank has treated me
Product: Money transfer, virtual currency, or money service

I reopened my Pay Pal account, after closing it in 2017 when my debit card was compromised. I needed to reopen it for XXXX. This time I attached my XXXX XXXX, but then they asked for statements from 2017 from the closed debit card, which I dont have. Then asked for a picture of my ID. I decided not to provide it. It sounds very suspect to me. So I tried to remove my XXXX XXXX, and they wouldnt let me. I had to call XXXX  to cancel my card and all reoccurring charges. I told Pay pal to delete my account. They wont. They just keep messaging me. I want them to delete my information. They have inconvenienced me with my XXXX  card. I want them to cancel my Pay Pal account.
Product: Credit reporting or other personal consumer reports

Debt collector placed collection action on my XXXX credit report. Disputed and requested removal of collection from credit report, but XXXX kept collection action on report based upon debt collector saying debt is valid. Also sent letter to debt collector disputing charge and requesting removal from credit report. Have attached copies of the letter to XXXX and the letter to XXXX. In both letters, I explained that this is an invalid attempt to collect the full rate for XXXX XXXX XXXXXXXX that were covered by my health insurance contract and the contract that the XXXX XXXX  XXXX provider had with my health insurance company as an in-network provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially called Kohl 's credit customer service in XX/XX/XXXX and was advised a XXXX   was issued on my account and that the debt owed was forgiven. 

I called for 2 months weekly trying to get a copy of the XXXX sent to my proper address. Weekly, I was told it was mailed. Never received. 

At the beginning of XX/XX/XXXX, I finally received it and the CS representative admitted those were requests and it took a long time to actually be mailed. 

The information on it is incorrect. Balance and account number are not mine. 

After multiple calls, speaking with unknowledgeable representatives, they told me I would receive a fax stating the error and that my account was issued a XXXX   forgiven debt notice with my name, balance, and account number. Never received. A rude supervisor told me I wasn't being patient enough a week after it was promised within 24 hours. Never received. 

Today, taxes are past due. A corrected form was never received. Who knows if it was issued. I want a corrected XXXX sent to me with TRACKING to verify its location. 

It's quite scary that Kohl 's maintains such poor records and practices and constantly blames it on another department or their partnership with Capital One, now placing me at risk of tax audit. 

The balance continues to be reported on my credit reports and verified incorrectly by Kohl's/Cap One. A forgiven debt would mean {$0.00} balance, however, your documentation does not even match the account. 

Under the FCRA, Kohl 's is required to conduct an investigation on this account if I request it and provide the original loan application with my signature, original executed notes, history of payments, and any other documentation they may have verifying the legitimacy and accuracy of their incorrect verification and reporting of the account as stated above.
Product: Mortgage

To whom it may concern : I have been trying to save my home and to get approved for loan modification since XXXX. Originally I was dealing with Nationstar mortgage ( servicer ) who approved me for HAMP with a payment of {$2400.00} Payment for a trial period on XX/XX/XXXX. They then did not honor this approval. 

I have had a HAMP underwriter review my application, income etc, and was told that I should be approved. I also dealt with HAMP Admin when HAMP was still available. I have been getting the runaround since. Applied multiple times after being told by Nationstar and Mr. Cooper that they were willing to work with me and based on the income, that I should receive a modification.

After numerous attempts of failed communication, false promises, and Servicer delays, I was forced to file bankruptcy in XX/XX/XXXX. While in bankruptcy court, the current lender Mr. Cooper 's attorney and a representative from Mr. Cooper spoke to me and told me that Mr. Cooper will be willing to work with me on loan modification once again. I since went to court had asked the judge to cancel the bankruptcy after I had already met with trustee and creditors and planned on moving forward with the bankruptcy, due to Mr. Cooper representative and their attorney stating that they would work with me. Once they the bankruptcy court canceled my bankruptcy, Mr. Cooper changed their position and now state that they will not even look at a modification application. 

I, my wife, and my son are all now working and can afford to pay a reasonable payment, however, Mr. Cooper refuses to honor what they have stated. I am at my wit 's end and do not know what else to do to. I do not want my wife and I and my XXXX children to lose our home. We greatly appreciate all your help!
Product: Debt collection

I had an account with XXXX XXXX prior to its acquisition by XXXX XXXX. The account was cancelled on XX/XX/XXXX. I then called and confirmed the account was cancelled and paid all amounts due the same day. 2 months later ( XX/XX/XXXX ) I got a bill from XXXX XXXX for {$120.00}. I called XXXX   on XX/XX/XXXX to ensure it was resolved with them and get confirmation and they directed me to XXXX XXXX. I then emailed XXXX XXXX on XX/XX/XXXX to resolve and was directed to call their customer service team. I did so and was assured that the billing was erroneous and that I did not need to take further action. On XX/XX/XXXX I got a letter from Credit Control Corporation in regard to a bill for the same {$120.00}. I again called XXXX XXXX to resolve. I spoke with a representative from the company and was told that they confirmed I did not need to pay it and a note was added to my account stating the same. I requested email confirmation of the discharge of the debt and was told it was sent. I never received the confirmation. I have also emailed XXXX XXXX and Credit Control Corporation to validate the debt has been discharged and can not get confirmation in written form.
Product: Credit reporting or other personal consumer reports

1year I have been working with Nelnet to help assist. I have emailed them. I have tried reaching out to them after I spoke with someone on the phone stating that my account should be updated I have sent the documentation through my Nelnet account. The document states that my student loan portion has been forgiven. Nelnet has refused to accept and acknowledge my student loans forgiveness portion and its still reporting a high balance that Im no longer responsible for.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Immediate Removal of Fraudulent XXXX XXXX Charge-Off To : Consumer Financial Protection Bureau XXXX CFPB ) Subject : Unlawful Reporting of Fraudulent Charge-Off Immediate Removal Required Issue Summary : I am filing a formal dispute against TransUnion for failing to remove an incorrect charge-off reported by XXXX XXXX ( XXXX ). This account includes fraudulent charges, and its charge-off status is invalid under federal law. 
Details of Disputed Account : Creditor Name : XXXX XXXX Account Number ( Last XXXX Digits ) : [ XXXX ] Status Reported : Charge-Off / Derogatory Collection Amount Reported : {$1000.00} Date Reported : XX/XX/XXXX Date Closed : XX/XX/XXXX Credit Bureau Involved : TransUnion Legal Basis for Immediate Deletion : XXXX. Fraudulent Transactions Nullify the Charge-Off ( 15 U.S.C. 1666 Fair Credit Billing Act ) This account contains fraudulent transactions that were disputed with XXXX XXXX. 
Under the XXXXFair Credit Billing Act ( 15 U.S.C . 1666 ), I am not legally responsible for unauthorized charges. 
Because the reported balance was not valid, the charge-off itself is also invalid and must be removed immediately from my credit report. 
XXXX. TransUnion is Violating the FCRA by Reporting Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ) Under the Fair Credit Reporting Act ( FCRA ), credit bureaus can not report information that is inaccurate or unverifiable. 
Since the charge-off is based on fraudulent charges, it is legally inaccurate and must be deleted from my file immediately. 
XXXX. If TransUnion Can not Verify the Charge-Off, It Must Be Removed ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) The FCRA requires credit bureaus to remove any item that is incorrect or can not be verified. 
If XXXX XXXX can not provide proof that this charge-off is valid, TransUnion is legally required to delete it. 
XXXX. Federal Law Requires Immediate Deletion of Invalid Charge-Offs ( 15 U.S.C. 1681c ( a ) ( 5 ) ) A charge-off based on fraudulent activity is considered inaccurate reporting and must be removed immediately from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Data Breach, FERPA and XXXX XXXX Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under FERPA ( XXXX XXXX. XXXX ; XXXX CFR Part XXXX ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the Higher Education Act, which governs the use and protection of federal student aid information.

Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within XXXX  days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 
Sincerely, XXXX XXXX
Product: Debt collection

I received a phone call from XXXX ( XXXX ) XXXX XX/XX/18 XXXX, which went to my cell phone voicemail with a recorded message regarding the following : This is final courtesy call from the Weinberg Mediation Group . Before reporting that you've been uncooperative in the investigation against you, if we do not hear from either yourself or your legal representation today we will be left with no recourse other than to report your noncompliance issue to the proper jurisdiction. Our office number is XXXX again thats XXXX thank you good day I have not received any other information nor communication otherwise written or verbal from this group and/or office regarding any alleged debts. The person does not leave his name or ask for a name of the individual hes seeking. The tone of the person leaving the message is very demeaning. 

I have not tried to contact this mediation group and dont plan to based on my legal rights.
Product: Debt collection

This company calls themselves ARA. They said they are a litigations company and when I asked if this was a law firm, she said Yes, you call it that. They are calling relatives and claiming to be from the county and have a case #. On the phone, she refused to give me an address for correspondence. She said, they would find me & serve me & I can do a C & D in court. She also said they are not debt collectors so she couldnt c & d.
Product: Credit card or prepaid card

I called and received balance and thought I paid this account in full, I paid the amount stated over the automated system. When I received my next bill there is a fee : {$0.00}. 

I called customer service spoke with XXXX, it was available or just just didn't apply when I inquired and paid off this account. She assured me once I paid the {$0.00} there were no more charges. 

She could have removed the fee its under {$1.00}. 

Wayfair / Comenity is one XXXX  XXXX XXXX XXXX of a company with fees and charges. 

I ASK FOR BALANCE DUE AND WAS GIVEN THE AMOUNT I PAID WHT SHOULD I BE RESPONSIBLE FOR THE NO GOOD SYSTEM
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no knowledge about them, and the company did this without my authorization.