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

I AM A VICTIM OF FINANCIAL IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW US BKPT CT IL XXXXXXXX # XXXX US BANKRUPTCY COURT XXXX XXXX US BANKRUPTCY COURT XXXX XXXX US BANKRUPTCY COURT XXXX XXXX US BKPT CT IL XXXXXXXX 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 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 : states a consumer reporting agency can not furnish an account without my written instruction. 

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, 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 or has reasonable cause to believe the information is inaccurate.
Product: Student loan

I applied for an Income Driven Repayment plan in XXXX, and called Mohela shortly after to confirm that I could switch plans. They said yes, and that I should fill out a new application. I asked if I needed to call in advance to get put into administrative forbearance while they processed the new application and was told I could call any time before the first payment was due if my account did reflect forbearance or acceptance of the IDR application. 

I checked this week ( XX/XX/2025 ), over a month after the initial application was filed and a week after the follow up application, and the initial income-driven repayment application still had not processed. My account still shows that I owe the standard repayment amount on XXXX first. Nothing has. been processed in over a month. 

I called at XXXX today and was quoted a four hour wait time. I was placed on hold for over 8 hours and the call was eventually disconnected. I have no way to get in contact with the company to fix the amount due they are showing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX Is in violation pursuant to section 623 of the FCRA, if the investigation is not complete within 30 days
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX However, they stated everything 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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed credit report in XX/XX/2019 and found a XXXX Credit Card was opened using my personal information. Contacted credit bureaus to remove information and was denied due to verification from creditor. No evidence of verification was produced. Contacted XXXX XXXX directly and they are refusing to close account and remove from credit reports. I have requested numerous times to produce evidence and no evidence has been given showing the account belongs to me. I filed a police report, a complaint with the FTC and complaint with IC3 and  mailed all the complaints along with a letter and verification information ( License, social security card and current bill ) to both credit bureaus and creditor and the account still has not been removed.
Product: Mortgage

i am refinancing my home mortgage loan currently having with Bank of America. My new housing loan provider wire transferred pay off amount on XX/XX/XXXX. Till date no response from Bank of America and even Bank of America collecting ACH payments. on XX/XX/XXXX reached out to Bank of America over phone and my call duration including wait time is 3hours 30 mins. Reached out to Bank of America help desk through XXXX and a member from Social media team called me on XX/XX/XXXX. On XX/XX/XXXX Bank of America took ACH payment on my Mortgage ( which got paid off on XX/XX/XXXX ). On XX/XX/XXXX there is no information on Bank of America online portal and i dont have any clue till now.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 years ago i XXXX XXXX XXXX Filed a Bankruptcy and my loan. now every time my brother applies for his own credit he gets denied because they see my history i wan na know if its our social security thats mixed up or our names.
Product: Credit card or prepaid card

I never ordered from XXXX  XXXX or never applied for XXXX XXXX credit or never received items from XXXX XXXX have asked for prof of items purchased from XXXX XXXX and prof the items were purchased by me they have been ask a number of times to provide this prof and have yet to do so by law they must provide this prof or delete from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I last disputed with CFPB and the company stated they sent me a letter, I got that letter which said nothing in regards to this.Equifax REFUSES to report correctly. Every other company has removed these items. I CAN NOT get approved for a home loan because of Equifax! I am in good standing with both XXXX  and XXXX!!!
Product: Student loan

The dept of education garnished my income tax refund for several years ending in XXXX when I received a partial refund with an explanation that it was the balance after the debt had been paid. Now in XXXX I am just now recieving notice that there is still a balance and it is greater then the original debt despite over six grand in payments, I only attended two years. The initial reported debt was XXXX I paid XXXX and now I owe XXXX, how is this possible.
Product: Money transfer, virtual currency, or money service

Im involved in a puppy scam. On XX/XX/2020 I Thought l was buying a XXXX XXXX XXXX week old puppy l use my FDIC back bank account to transfer money through XXXX. The website was fraudulent. I called the bank to report it they said there was nothing they could do about XXXX my {$700.00} is a lost. My question is how can a FDIC bank offer a service that has the potential to cheat people out of there money. I have another bank its an on-line only account the cash app or XXXX would not accept is because the account had to many numbers. They have a fail safe system that works and you can transfer money from account.Im very disappointed in Bank of America and how they offer a service embedded in our accounts XXXX but will not back any transaction. I file a claim with them they said they would investigate but we do not refund from XXXX.
Product: Credit card

I called about fee on my accounts. The XXXX Reps said they were unable to help me with my account. XXXX fee of XXXX and XXXX fee of XXXX dollars. 

I would like for both charges to be refunded of XXXX and XXXX dollars.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX Dear sir, I would like to request the investigation over the soft inquiry, which you have asked Equifax on XX/XX/XXXX of 2023 over XXXX XXXX. Since I have no knowledge of your company and dont have any credit card or financial assistance, I would like you check whether you have provided any financial assistance to somebody. This request is performed due to the notice of Equifax submitted to the Consumer Financial Protection Bureau. If you have provided any financial assistance to somebody except me, XXXX XXXX, would you endeavor to stop that service for your own benefit. In any case, I state I never had the financial service from your company, since I had so much difficulty to locate your company in web search. 

Sincerely,
Product: Checking or savings account

On XX/XX/XXXX I called PNC Bank to close my checking account. I was told the bank would close the account and send me a check for the remining funds in the account ( approx {$1700.00} ). They told me it would take a week to 10 days. More than XXXX weeks later I had not heard back, so on XX/XX/XXXX, I called and spoke with a representative who confirmed that a check was written to me on XX/XX/XXXX and sent on XX/XX/XXXX. We confirmed that it had been sent to the correct address. I confirmed that I had not received it so wanted them to send a new check. The representative said a case would be filed for stop payment, and a case worker would be assigned and then the case worker would call me within XXXX days to have a new check sent. On XX/XX/XXXX, a case worker called, but did not leave any contact information to call back if there were further issues. She said a stop payment would be issued, a new check sent, and she would reach back out to me once that had been done. XXXX days later, On XX/XX/XXXX, I had not heard back, so called the bank 's customer service number. After spending more than XXXX minutes, and having been disconnected multiple times, all I had found out is the first name of the case worker and the fact that a stop payment had been issued on XX/XX/XXXX. I repeatedly tried to get connected to the case worker and repeatedly asked for direct contact information so that, if I got disconnected, I would have someone to call direclty instead of having to go through the customer service phone menu and re-describe my issue. I was repeatedly denied any contact information. As a result, each time I was repeatedly disconnected, I was forced to go through the phone menu and redescribe the information ( at least XXXX different times ). After demanding to speak to a supervisor, I was still only provided with the email of the case worker and a supervisor ( no phone number ). I was told that a message had been left for the case worker to call me back. I was later called by the case worker who told me that a check had been issued " earlier today. '' and was being sent by regular mail and I should receive it in a week to 10 days. 

At this point, almost XXXX month has passed since I closed my account, and I still do not have my money. XXXX month seems too long to wait for them to give me my money back after I've requested it, and they have definitely made it very difficult to get them to do anything about it. Even if I get the money in the mail, this is unacceptable.
Product: Payday loan, title loan, personal loan, or advance loan

I request from XXXX XXXX All accounting and book keeping, and proof of funds and what bank account were those funds deposited and when and by who? 
They ignored my request and put the loan amount on my credit report as a debt. When it was paid in full by the bank purchasing the promissory note ( offer letter ) at law I issued them a security and never received a receipt of payment.
Product: Money transfer, virtual currency, or money service

Fraudulent transactions happened on XX/XX/XXXX with a transaction of {$6.00} from XXXX XXXX XXXX XXXX at XXXX another transaction of {$6.00} from XXXX XXXX XXXX XXXX XXXX during that time I went online and it said that there was an issue on my account call Customer Service so I did and the Automated phone system said press 1 to accept the transaction so we can unblock the card or press 2 to decline the transaction so I pressed 2 and it said to go back online to look up the transaction. So on XX/XX/XXXX a purchase of {$5.00} from XXXX was made at XXXX then at XXXX on XX/XX/XXXX {$5.00} was refunded from XXXX XXXX XXXX XXXX , then on XX/XX/XXXX a purchase of {$5.00} from Facebook.com was made at XXXX then at XXXX on XXXX/XXXX/XXXX {$5.00} was refunded from XXXX XXXX XXXX XXXX , then on XX/XX/XXXX Netspend took out their monthly fee of {$5.00} at XXXX. During this I was trying to get online and couldn't and also contacting customer service didn't help either.
Product: Checking or savings account

I have been sending my brother a check for {$1000.00} every month for well over a year. It has always worked fine for him using his Citibank bill pay system except for the XX/XX/2019 check with reference number XXXX and trace number XXXX. This is what happened to that check as evidenced on my brother 's bank statement which is attached : XX/XX/XXXX19 {$1000.00} Check is deposited XX/XX/XXXX19 {$1000.00} Check gets charged back XX/XX/XXXX19 {$1000.00} Check is redeposited per instructions of Citibank to do so XX/XX/XXXX19 {$1000.00} Check gets charged back XX/XX/XXXX19 {$1000.00} Check deposit shows on the statement but this is the XXXX check which, like all other {$1000.00} checks he sent me before and after this cleared fine. 

I did not place a stop payment on this check and my bank ( Citibank ) is claiming they never did either yet that " Refer to Maker '' stop payment is clearly shown in the attached document. Citibank has instructed my brother to have XXXX XXXX trace the payment using the sequence and trace numbers in their letter to him dated XX/XX/2019 ( see attached ), which includes my notations in red ink. 

Citibank is claiming the funds are with XXXX XXXX XXXX  so we are both out {$1000.00} in that my {$1000.00} account deposit was charged back on my brother 's account at XXXX XXXX XXXX  and Citibank never credited back my checking account. 

Please investigate this matter ASAP, as it has been 7 months since I have been struggling with Citibank over this issue only to have them deny my claims and place the blame on XXXX XXXX XXXX. The central issue is that they refuse to say why they placed a " Refer to Maker '' stop payment on these funds which cause my brother 's XXXX XXXX XXXX ( headquartered in XXXX, CA ) to debit his account for this {$1000.00} amount.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Consumer Solutions, I am writing in response to your recent communication regarding the investigation of the following accounts on my credit report. While I appreciate your efforts, I noticed several discrepancies and unresolved issues that require further clarification and validation : Accounts in XXXX : XXXX. XXXX XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX Bank XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX Bank XXXX XXXX # XXXX XXXX. XXXX XXXX Bank XXXX # XXXX XXXX. XXXX  XXXXXXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX. XXXX XXXX Bank XXXX # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX on the results of your investigation, the following accounts were marked as verified as reported or updated, but no supporting documentation was provided to confirm their accuracy. As such, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], to request : 1. Verification of Accuracy : Please provide the original creditors name, address, and documentation showing how the account details were verified.

2. Documentation of Debt Ownership : Proof that these debts belong to me and were accurately reported to your agency.

3. Details of Your Investigation : A description of the procedures used during your investigation, as required under FCRA.

If you are unable to validate any of the accounts listed above, I request that they be promptly removed from my credit file and that I receive written confirmation of this action. Reporting unverifiable or inaccurate information violates FCRA and could result in further action. 

Please treat this as a formal dispute and respond to my request in writing within 30 days. I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office if this issue remains unresolved.
Product: Mortgage

XX/XX/ Called Freedom Mortgage to modify my recurring payment, and Friday XX/XX/ they took you the scheduled payment of {$410.00}, but also took out {$430.00}. I called then that day and told them that I did not authorize the {$430.00}, they informed me that they made the mistake and that I wanted that amount refunded back to me. XXXX XXXX XXXX  did a three-way conference call with Freedom Mortgage and my bank XXXX XXXX XXXX  , Freedom wanted to see If both amounts were posted and they were, so I told them the {$430.00} was the amount I wanted refunded back. The agent at Freedom said that they would take care of it said it would be 3 to 4 business days before I see it back into my checking account. Talked to them XX/XX/XXXX to get the status of my refund, all they told me that I should see it in my account the next day, I was not in my account, I called Freedom Mortgage and asked for a manager, The manager informed me that the agent that I talked to XXXX XXXX, did not turn in my request to get my refund back. The manager named XXXX said that he will expedite my payment on XX/XX/XXXX, and that I should see it by Monday, I called them XX/XX/XXXX that morning and the agent had an attitude towards me when I asked the status of my refund, they told me at the end of the business day of XX/XX/XXXX. Thats the latest update, I feel that they are stalling and do not want to give me my money back they took from me.
Product: Debt collection

Navient, the manager of the my Federal Student Loans, has no right to collect on my student loan balance because the majority of the debt was incurred by my attendance at the University XXXX XXXX ( XXXX ) ; a now defunct For-Profit educational institution. For example, XXXX XXXX XXXX, the former president of the XXXX XXXX XXXX, purposely solicited unqualified students to attend the university campus in order to get more Title 4 Funding from which he could personally profit ( I was one of those students ). XXXX XXXX is well-known for achieving the de-certification ( XXXX ) of XXXX XXXX College before joining the staff of XXXX 's XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). Furthermore, the alleged " fake degrees '' that they purported had no value in the contemporary United States Job Market ( I have never received employment related to my degree from XXXX ( i.e. XXXX : no XXXX positions at all ). Also, XXXX XXXX hired his sister to manage the accounting of the campus so that the numbers were " solvent '' enough to report to the main campus in XXXX, AZ ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ). Furthermore, XXXX XXXX 's cronies, like XXXX XXXX and XXXX XXXX XXXX, " enforced '' XXXX XXXX 's policies so that there was no regression or ability for staff or students to address any internal financial or policy issues with the campus. 

To wit, I am claiming the Borrower Defense Against Repayment '' Statute embedded in Federal Law as the basis for my release from this debt.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, specifically 15 USC 1681 Section 602 ( a ), it is imperative that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for consumers ' right to privacy. Equifax and XXXX, being consumer reporting agencies, hold a significant role in safeguarding our private information. 

Under 15 USC 6801, it is the Congress 's policy that financial institutions must continually respect their customers ' privacy and protect the confidentiality of their nonpublic personal information. The term " Furnisher of information to credit agencies '' falls under the definition of a financial institution within this framework.

Additionally, 15 USC 1681 Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can furnish a consumer report solely in accordance with the written instructions of the consumer to whom it pertains. Neither the financial institution ( Furnisher of information to credit agencies ) nor the consumer reporting agencies, Equifax and XXXX, have obtained my written consent to furnish this information. Therefore, all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, are hereby revoked.

Furthermore, 15 USC 6802 ( b ) ( c ) dictates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how they can exercise their nondisclosure option. Regrettably, ( Furnisher of information to credit agencies ) never informed me of this right to exercise nondisclosure.

In direct violation of 15 USC 1681C ( a ) ( 5 ), Equifax and XXXX are reporting adverse account information without my permission, which is prohibited by law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) clearly states that any person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Equally important, 15 U.S. Code 1681e mandates that every consumer reporting agency must maintain reasonable procedures to avoid violations of Section 1681c and to limit the furnishing of consumer reports to the purposes listed under Section 1681b. Equifax and XXXX appear to be falling short in maintaining these reasonable procedures. 

Lastly, as per 12 CFR 1016.7, a consumer retains the right to opt out at any time. I am formally opting out of your reporting services.

Account Name XXXX  XXXX. Account Number. XXXX Account Name XXXX XXXX XXXX. Account Number. XXXXXXXX XXXXAccount Name XXXX. Account Number XXXX Account Name XXXX  XXXX XXXX . Account Number. XXXX
Product: Checking or savings account

I have a business bank account with pnc financial, I have employees and received the erc credit by the irs, I was told its going to take 14 days to verify the funds- the hold was placed for 60 days they finally released the hold.. I checked this same acct after verification of how I got the erc credit and submitting documentation is back on hold ..I have not made any major purchases at this time I need the bank to send me my money via mail .. there saying they sending it back to the irs because its a fraud check.. are you guys serious?? All the blood and sweat I had to deal with and to be told that my account was going to be close because of what??? Customer service is horrible there is no one that can help me, Ive been inside the branch they just give me a back number when when you call it just says leave a message and no one calls you back, nobody knows nothing I feel discriminated against and targeted they keep messing with me and Im not doing anything wrong or illegal this is the most stressful experience ever!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXt accont XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions