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

I have new information. This is an official notice that your organization is in violation of 15 USC 1681 Section 623 ( a ) ( 1 ) ( A ). Fedloan is furnishing information on my consumer report with actual knowledge of errors. Student loans were put into a non-pay status pursuant to presidential order, the CARES ACT in 2020. Fedloan is reporting multiple 90 late payments during the covered period of the CARES ACT. 

Your reporting is lacking integrity. There is reasonable cause to believe the alleged 90 day late payments reported on Loans XXXX, and XXXX are in error. My accounts were in forbearance status and were reported in good standing in the months prior to the reporting of the alleged 90 day late payment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcy information to the credit bureaus. I received a letter from the courthouse stating that they do not report bankruptcy information to anyone. So how did the credit reporting companies verify my bankruptcy as 100 % accurate? They never did a fair investigation as stated by law 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( E ) ( 3 ) States ; " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character. general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They violated my rights on numerous occasions. 

Credit bureaus violated my given rights under 15 U.S.C 1681.

According to 15 U.S.C.1681 Section 602 A States I have a right to privacy.

According to 15 U.S.C 1681 Section 604 A States a consumer reporting agency can not furnish an account without my written instructions. 

According to 15U.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: Bank account or service

I opened XXXX Certificates of Deposit with National City Bank years ago. National City Bank merged with PNC Bank XXXX years ago, and when I presented my original Certificates of Deposit to PNC Bank I was told that these accounts did not exist in their records. I was also told that the " National City Account Number '' did not carry over to PNC Bank during the merger, so there is nothing PNC Bank can do for me. Every time I check in with PNC Bank to see what information they can give me, I 'm told they are " still researching ''. The " Research Department '' has been " researching '' since XXXX XXXX, and as of today, XXXX XXXX, they still have found no record of me ever withdrawing these funds from any of the XXXX Certificates of Deposit.
Product: Credit card or prepaid card

I got my prepaidDiscover card on XXXX and activated it on XXXX. I put up {$200.00} and never used the card. I got an email from them on XXXX that my count had been closed because they were unable to verify some info but there was no mention about how I would get my {$200.00} back, and that's all I want from 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 XXXX and Equifax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected US DEPT OF EDXXXX XXXX Balance : {$2400.00} US DEPT OF EDXXXX XXXX Balance : {$4200.00}.
Product: Checking or savings account

On XX/XX/2022 I made an ATM deposit to my checking account using a cashiers check for {$10000.00}, after reading the deposit agreement I was under the impression it would clear no later than 5 business days, immediately after making the deposit approximately {$200.00} was available so I assumed nothing was wrong.

The day later I attempted to use {$30.00}, the transaction was denied, so I went into the app and saw my balance was only {$10.00}, the amount they had cleared earlier was gone. 

I proceeded to call US Bank the following Monday to understand what went wrong and I was now told it would actually be 7 business days despite readily available information stating its 5 business days you have to dig a lot to find its actually 7 on occasion and it states they are to provide notice in those instances, I have paperless set on my account and I have no notice in my secure messaging inbox nor was any notice given when I made the deposit.

When I asked to speak with a manager I was transferred to a woman who claimed to be a customer service manager, the entire interaction with this woman of which I more so consider an altercation went as follows, after telling her the entire story she says " Its common to not have education about the banking system. '' clearly insinuating I have no education about the banking system and then when I informed her the last bank I dealt with was clearer about a delay of this nature she interrupted me to say " OH REALLY WHAT BANKS '' and then mockingly laughed at me, she would also constantly raise her voice at me and interrupt me, she also said my check had a " high likely hood of not clearing and being returned because its made out to a business '', I then told her I had a picture of the check right here and I see its addressed to myself she then said " oh my bad your name was cutoff '' I tell her this experience is appalling and she had been extremely unpleasant to which she says " I apologize that YOU misunderstood me '', I also asked why wouldn't it clear as she seemed to have some knowledge no one else had but she refused to state why despite this being a cashiers check made out to myself from my old bank account.

I hung and called again now totaling almost 3 hours of phone calls in one night to this bank to forward a complaint against this manager, I do have in my possession a number for this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2019, somebody opened up a XXXX account fraudulently in my name. XXXX even sent me an email declaring it to be fraud. However, I have received two separate letters from two debt collection agencies, and now I just lost 200 POINTS ON MY CREDIT SCORE! XXXX is harassing me to the point of undue stress, I would like them to stop. It was almost impossible to navigate their terrible " customer service '' departments to get an email declaring the account fraudulent in writing. I want monetary compensation from them for this harassment, as well as the debt deleted from my credit report, and I never want to receive anything else from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( natural person ) refuse to pay this alleged debt, I contacted the company to get the inaccurate information deleted off my consumer report, also I have an cease and desist on XXXX XXXX XXXX and the company is still in contact with me by reporting inaccurate information to my consumer report. The consumer reporting agencies put in a request for the alleged debt to be deleted. However, I disagree with there investigation results because pursuant to 15 USC 1681a ( e ) the consumer reporting agency must report to my neighbors, friends and associates. They didn't provide me with the results on how they investigated this alleged debt which makes this process unlawful.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my personal information and request corrections and updates to my credit report pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XX/XX/year>, I identified the following discrepancies : ________________________________________ Incorrect Information to Be Removed : 1. Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Debt collection

Diversified Consultants placed a collection on my credit report that is in VIOLATION of the Fair Credit Reporting Act And Fair Debt Collection Practices Act. 2. I have NO signed contracts with Diversified Consultants or their client, XXXX, I don't have anything belonging to XXXX and the collection agency they hired!. Therefore this is a FRAUDULENT collection and should be DELETED from my credit report ( s )
Product: Money transfer, virtual currency, or money service

My coinbase XXXXXXXX account was hacked on XX/XX/2022. XXXX was stolen from my account. I've informed coinbase there is a fraudulent website ( www.coinbasepro.com ) which they use for hacking. They were aware of its existence. Coinbase has stated they will not reimburse me. They say they no insurance to cover this type of incident. There are thousands of people who have posted about the exact same thing happening to them and they never got their money back. Coinbase knows this site exists and is doing nothing to inform their users or have it shut down. This is insane. 
I've filed a report on the fbi internet crimes site and I've filed a police report in my city. Nothing is happening, and no one can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I placed an order on XXXX XXXX XXXX website, because I had a {$10.00} reward certificate to use for my birthday. I spoke with representatives on chat but they wouldn't use the reward certificate, and said it would only be credited once the order was received. I received the order and STILL can't get them to use the {$10.00} credit and apply it correctly. This is an ONGOING problem with XXXX XXXX XXXX. After learning that they wouldn't apply the {$10.00} to the order I immediately asked to cancel the order and they wouldn't do that either literally within less than XXXX minutes of placing the order. They are scamming consumers and are fraudulent. Please do something with this company or shut them DOWN!
Product: Credit reporting or other personal consumer reports

To my complete surprise, I discovered incorrect accounts on my credit report today, and Im at a loss as to why. I do routine checks on my credit report, so seeing these errors appear was deeply unsettling. I thought maybe a refresh on my browser would fix it if it was a temporary issue, but it didn't change anything. Im now asking that my submitted documents be carefully reviewed to ensure this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not reporting one of my accounts that is paid - XXXX XXXX, XXXX ( XXXX ) is an account that I paid in full. XXXX XXXX confirmed they reported it to Equifax but it is not listed on my credit report. XXXX 's contact information is XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX. The contract was opened in XXXX 2016 for {$1900.00}, and paid off satisfactorily. I contacted Equifax on several occasions to make sure it was reported, and was informed it was not likely due to a credit freeze on my account. I removed it and it is still not reported. I believe I am being discriminated against by Equifax. 

Equifax needs to report my balances correctly for the following accounts : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was Dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Product: Credit reporting 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. The credit bureaus stated that they investigated, but how is possible that the open and close date and the last payment date is inaccurate this is grounds for removal. They also violated my rights under : XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Also, the credit bureau took more than 30 days to complete my investigation.
Product: Debt collection

On XX/XX/2015, I had a lien placed on my saving account. I receive federal student loans and the Post XX/XX/XXXX G.I. Bill benefits. I was told that my account was under review. I called on XX/XX/2015 and I was told that they could not release the hold unless I had the company release the funds. I told the company that they could not do this. I told them that my account receives only electronic, exempt, Federal direct deposits of Veterans Affairs Benefits and student loans. Three or four times before, their lawyer actually dismissed some liens the same reason.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account XXXX that was certainly paid on time.

The consumer reporting agencies need to report all information with complete accuracy. 

These accounts have not been late. Ive attached a copy of my report to the complaint of the following date XX/XX/2023 I am requesting you to investigate this account and update these payments to paid on time immediately. 

Thank you for your understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company ran a Hard Inquiry against my credit report without approval. I attempted to contact them and they did not respond to my communication attempts.This is negatively affecting my Credit Score and I would like it removed. 

Inquirer Name : CBNA Inquiry Date : XXXX XXXX, XXXX Business Type : Bank Credit Cards Contact Information : XXXX XXXX XXXX XXXX, SD XXXX
Product: Credit reporting or other personal consumer reports

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecter consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion Of the account listed IMMEDIATELY! 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third Multiple Hard Inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Company or Organization : XXXX XXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1100.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. 

Utility Account Opened by the Thief Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$240.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. 

Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$200.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. 

Credit Card Opened by the Thief Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. 

Credit Card Opened by the Thief Company or organization : SELF FINANCIAL INC / LEA Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX TOTAL FRAUDULENT AMOUNT : {$0.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. 


Credit Card Opened by the Thief Company or organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. 

Credit Card Opened by the Thief XXXX XXXXXXXX XXXX XXXX company or Organization : Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$170.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. 


Credit Card Opened by the Thief Company or Organization : SELF FINANCIAL INC / LEA Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$180.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX or XXXX someone used my information to apply credit for a car loan and was not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fed loan srv accounts are reported inaccurately. The late remarks started 120 days right after good payments.
Product: Credit card or prepaid card

-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXXat XXXX XXXX Subject : Please Investigate Comenity Bank Retailers card scam To : XXXX Sent from my XXXX Hello my name is XXXX XXXX, I am being scammed by Comenity bank a credit card provider for companies The Childrens place, New York & Co. , Forever 21 and Victoria Secret. My original credit from XXXX was {$500.00} Comenity bank then lowers my limit to {$300.00} and began to charge overage fees along with late fees. I then began to pay close attention to my other cards to find that my limits were also changed on them as well incurring overages and late fees. 
I reached out to the company Comenity bank they stated that they would change my credit limit to its original limits but did not. I reached out to them again and told them I will not summit any payment until my accounts are corrected. Comenity bank credit cards has impacted my credit scores plummeted to a negative status. Im currently paying the price due to the corruption in which has affected me in detrimental way. 
I am now in debt over {$2000.00} due to the company charging overage fees as well as late fees even through COVID-19. The initial credit limits are fluctuating tremendously and the company charges major fees on each of those 4 accounts. They are not willing to correct my account and was nervous when I said I had an attorney, that is the reason Im reaching out to you. Im a XXXX  employee of 18yrs and this company is ruining my credit. PLZ HELP!!!!! 

My name is XXXX XXXX, contact info is ( XXXX ) XXXX XXXX and/or XXXX. Thank you!!
Product: Debt collection

on XX/XX/, claimant received communication from Consumer Correspondence Department Rushmore Loan Management Services LLC, regarding the mortgage loan account referenced above. Consumer Correspondence Department Rushmore Loan Management Services LLC response was " Our office has reviewed its files and was unable to identify a Rushmore loan connected to the name, property address, or loan number provided ''. This willfully conduct to deprive claimant of freedom of life and privacy after knowing there was no contract or debt associated with private property or claimant is deceptive and unlawful. We demand public accountability and redress. Rushmore Loan Management Services LLC has engaged in this deceptive business conduct before. This theft of property without just compensation must never be tolerated and delt once receiving this claim and notice.