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

I contacted equifax, XXXX, and XXXX XXXX on XX/XX/3018 however XXXX XXXX and equifax Ive contacted both parties on several different occasions. Ive sent certified letters to equifax requesting an updated letter showing me what information was used to verify my account and was advised by Mr XXXX badge number XXXX that they dont have a system that can verify that account and once the verification is provided its not kept on my file. I was advised by supervisor XXXX to send a copy of my police report which Ive sent it.
Product: Checking or savings account

I contacted XXXX XXXX  Customer Service XXXX today, XX/XX/202, approximately at XXXX XXXX. 

I spoke with two Customer Service Representatives at Chase Bank  : XXXX and XXXX and they both stated, no account in my name, but in order for the emails to arrive in my personal email with someone else 's name, then, that means, my social security number is " COMPROMISED '' and I need to report it to the Credit Bureaus.

Therefore, I have decided to report BANKING FRAUD TO CFPB and THE CREDIT BUREAU 'S FOR HELP.

I informed them of the person 's name that is addressed in the emails, ( XXXX XXXX ) and informed them, I do not know a person with this name. I also, ask, how the account could be granted without confirmation through my email and phone number? There is no confirmation email and phone call, text etc. I received with the name ( XXXX XXXX ) included in my phone or personal email prior. I did not get a solution with the actions of FRAUD at Chase Bank.

FRAUD has been committed in my name at Chase Bank from within. Please help! 
I have not applied and opened a checking, savings, business, or any type of accounts products with Chase Bank, Online or in Person anywhere in the world. Please Help! 

Again, I do not know ( XXXX XXXX ) and I did not authorize, Chase Bank and XXXX XXXX to open and process Chase Bank products using my social security number and personal email.

Thank you for your assistance with this FRAUD in my personal email and use of my social security number online at Chase Bank. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I applied for a home equity loan. I was told that there was a charge-off from Wells Fargo that remained unpaid and open. That account belongs to my husband who XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. The amount in question at the time was for {$3500.00}, it had since accrued interest and is around {$4000.00}. I signed up for XXXX, XXXX, and XXXX to dispute the error with no success. I am requesting that this information be removed from all three credit bureaus. I would also like a copy of my new credit reports reflecting that change.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed an application for a Capitol One XXXX credit card. Ten days later I received an e-mailed letter of denial. 

I am a retired fXXXX XXXX with stellar credit ( 800+, no adverse info ). I called and spoke with a senior credit analyst. He proved detailed instructions on how to file an appeal by mail. I did so, and after thirty days there was no response. I called again today and escalated the call to a senior credit supervisor. The supervisor indicated that the letter was received, and that reports did, in fact, show that I have excellent credit. She suggested I unlock all three credit reports again ( Ive done this twice before, my contact with the credit reporting companies have confirmed Capital One had received my entire credit report ) and that I should apply for a third time. 

Most importantly, there have been several indications on the phone calls that Capital One is engaged in some form of illegal discrimination, perhaps age-related, possibly in some other form. I sensed this as obvious in all of the telephone calls, especially as the representatives repeatedly used the pronoun Miss, instead of Mrs , or more correctly Dr . 

I request that your bureau conduct an investigation as to whether this is an ongoing pattern of behavior by Capital One.
Product: Debt collection

When i became a victim of the data breach, my personal information, such as Social Security number, credit card details, and other sensitive data, has been exposed. This lead to identity theft, where criminals use the stolen information to open fraudulent accounts, apply for loans, or make unauthorized purchases. For me i already have poor credit, this situation has worsen in the following ways : 1. Increased Debt : Fraudulent activity has resulted in unauthorized charges or new loans being taken out in my name. This lead to mounting debt that the i did not incur but is held responsible for until the issue is resolved.

2. Lowered Credit Score : Credit scores are negatively affected when there are late payments or high balances on accounts. The fraudulent debts from data breach has further decrease my low credit score, making it harder to secure loans or credit in the future.

3. Difficulty Disputing Fraudulent Activity : me being a victim of identity theft have found it challenging to dispute fraudulent charges or accounts, especially if they are already in financial trouble. The process can be lengthy, involving contacting credit bureaus, creditors, and law enforcement.

4. Higher Interest Rates : With a damaged credit score, I face higher interest rates on existing debt or future loans. Lenders consider them high-risk, making borrowing more expensive.

5. Legal or Financial Responsibility : In some cases, I might need to hire legal or financial experts to clear up my credit reports and handle the repercussions of the data breach. This can lead me to further financial strain.

6. Emotional and Psychological Stress : The financial stress caused by increasing debt and negative credit impacts has lead me to XXXX, XXXX, and other emotional challenges. Im currently XXXX XXXX for this. 

Overall, me being a victim of the data breach i already have poor credit or debt may find my financial situation worsened significantly, requiring immediate action to mitigate the damage. and remove all negaive items and debt collction off all three credit bureaus immediately by law FCRA 605 ( b ) ( 15 u.s.c. 1681c-2 )
Product: Credit card

The XXXX  store number XXXX in XXXX XXXX XXXX overcharged me on a XXXX diamond bracelet because I am an XXXX XXXX. I took the bracelet to the XXXX XXXX XXXX for a refund and was told the bracelet is only worth XXXX XXXXXXXX and that i was overcharged. That i must take it back to the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ongoing Requesting Equifax to protect my Identity and Credit Report. Always denied.
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. XXXXt Accounts- XXXX XXXX ( Acc. # XXXX ), XXXX XXXX XXXXXXXX XXXX XXXX # XXXX ), XXXX XXXX XXXX XXXX Acc. # XXXX ), XXXX XXXX ( Acc. XXXX 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 Session 2 : It also 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 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 the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protections Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act. ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX : XXXX Confirmation # XXXX To whom this may concern, I recently received your intimidating response letter regarding this recent investigation results of the confirmation number that is above where you stated that the results from that investigation has been completed. '' As a result of your findings. " Im formally requesting in ( 15 ) days as required by FCRA regarding reinvestigation the following documents specifically. '' Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : DELETE XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX Equifax Information Services, LLC et al, XXXX Vs XXXX, and XXXX  Vs XXXX. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that Equifax Information Services, LLC et al, just can't use the XXXX System because its not considered reasonable. Equifax Information Services, LLC et al can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No! 

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

I am prepared to sue under the FCRA if this matter isn't handled amicably in ( 15 days XXXX. 

And send me another credit report. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax do not do real investigations. They will submit it and take the collection agencies side. I have done multiple disputes to even get actual account info and it seems all they have to do is see a name on a bill and take that for face value. I am sick of these agencies not doing real investigations into disputes. For instance one agency XXXX removed XXXX XXXX XXXX XXXX and the other ( XXXX XXXX and Equifax ) said it was valid within a couple days. No investigation happen this is destroying peoples lives.
Product: Debt collection

To whom may concern This is a notice of default and opportunity to cure for Midland Credit Management Inc. as the affidavit sent in support of my claim was not rebutted and my demands in the cease and desist were not met. This is an opportunity to settle this dispute by acting in good faith by providing my request of remedy due to the wrongdoings done against me. 
You failed to respond my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation and other several violations in the exhibit A ( attached ) Not only they ignored my prior requests for validation of debt included in the cease-and-desist letter ( proof attached : receipt copies or letter copies ) but they continue to report this debt to the credit bureaus causing damage to my character. 
These two certified letters, receipt number : XXXX Delivered : Thu, XX/XX/XXXX, XXXX PM and XXXX Delivered : Thu, XX/XX/XXXX, XXXX PM was to formally advise you that I believe your company has violated my consumer rights in the following ways. 
Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. 

( Letter attached sent to you previously ) Pursuant to 15 USC 1692c ( c ) I am notifying them in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports. 

I will reproduce an invoice and send it to your company with Federal violations due to me by your company if you don't comply with my remedy
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes with the credit bureaus for well over six months now and they continue to report inaccurate items on my report without my consent. I have asked them how did they verify these items and I am not getting any answers besides a letter stating 'the item is verified '. I have proof that the other bureaus have deleted the item so why are XXXX, XXXX and TRANSUNION continuing to reporting them.Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to update my address on my credit report on XXXX. In my request I asked that the delete all personal identifiable information from my consumer credit report with the exception of the following : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Within the dispute I included all identifiable information such as utility the bill and my drivers license I received a letter from XXXX date XX/XX/2022 asking me for the same information that I sent in.
Product: Debt collection

Began receiving SMS and emails from MRS BPO with the content " Please contact MRS BPO , LLC at ( XXXX ) XXXX regarding a matter for SPECTRUM. MRS is a debt collector. If you want to opt out of future text messages reply with STOP. Visit us at : portal.mrsbpo.com To see important rights and information, click mrsbpo.com/state-disclosures '' on or possibly before Friday, XX/XX/2023. These emails were sent to spam by XXXX, and my SMS messages were marked, " spam risk '' by my cell provider. As such, I initially ignored them. 

On Wednesday, XX/XX/XXXX, I received notification from XXXX that MRS BPO had hit my credit score with a 6 point deduction. At this point, I immediately went to their website and paid the {$45.00} debt that they claim I owed. Their website informed me that my account was now paid and closed. 

On Friday, XX/XX/XXXX, I received notice from XXXX cable that a {$45.00} payment placed on XX/XX/XXXX could not be processed as I do not have an account with them. I checked back with MRS and saw that I still had only one account with them, and it was still closed, so I figured the debt had been incorrectly assigned in the first place, and didn't bother trying to figure out anything more. 

On Friday, XX/XX/XXXX, I filled out a loan application for a new home, and was notified that I had an outstanding debt of {$45.00} to MRS BPO. I also found that MRS BPO had hit my credit score with a further deduction after payment of the debt.

When attempting to call MRS BPO 's customer service to resolve this problem, I have been hung up on by their automated answering service after being identified on each attempt.
Product: Checking or savings account

I deposited money into an ATM machine at a local Fifth Third bank and the machine ate my money and stated to call support. The machine then printed out a time and error code of when the incident occurred. I called the dispute department and they only refunded half the money I deposited ( {$110.00} ). I requested video footage of me making the deposit and now they are stating they can not pull it up and that the balance of the ATM is good so am I suppose to take the lost? I stated check the video, that's all I am asking and you can see that I deposited more than the credit they gave me. I gave them the exact date and time of the incident and the disputes department still stated sorry cant help you, balance is good. But they will reopen the case. 

A month goes by I did not hear anything so I decided to give them a call. The disputes department then stated sorry your request has been denied due to that the balance was good. I asked that did they see video footage? and they said no, balance was good. This is agitating, ATM has a camera looking straight at me and they can not review it? Representative name XXXX from the Fifth Third disputes department kept repeating balance is good and that I can not do anything. But he will reopen the case for the third time?! what difference does it make if no one wants to review camera footage? 

Yes, I know the amount of money I lost is not big but the customer service is horrible so I want to escalate it. 

I then went into the branch on XXXX XXXX XXXX, XXXX XXXX IL and even the branch manager stated " oh this happens all the time with that ATM machine, its run by a third party service so we do not have access to the cameras '' When I heard this I stated well shouldn't you check the third party service then? who has access to the footage? whoever has access to the camera that is glued on the ATM machine should see everything that happen on the date and time I submitted.
Product: Student loan

I had an FFEL loan with XXXX which was transferred to XXXX. I requested federal direct loan consolidation on or about XX/XX/XXXX with MOHELA for purposes of PSLF loan Forgiveness. For the record, I have worked for three qualifying employers since XXXX. On or about XX/XX/XXXX MOHELA consolidated my loan. Nevertheless, they sent me a rejection for PSLF loan forgiveness the following week on or about XX/XX/XXXX stating that I had FFEL loans, even though they serviced the new consolidated federal loan. I called MOHELA and my loan was resubmitted on or about XX/XX/XXXX for processing. MOHELA approved an IDR around the same time. At the time they resubmitted my PSLF paperwork, they agreed that they had mistakenly rejected PSLF loan forgiveness and that I could expect forgiveness with the " 60 days ''. 

I contacted MOHELA via email through their secure system to check on the status of my PSLF loan forgiveness. I contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On average it has taken the weeks to respond to messages. I have only been able to get through to them a few times since XXXX. Each time I have been told that it will take either " 60 days '' or " 90 days '' for the to confirm PSLF loan forgiveness. The last time I spoke with them over the winter break, I was told that they had to " re-process '' my form in XX/XX/XXXX, and that I could expect something by " XXXX ''. When I asked why they had to re-process the form, the phone went dead. It took me at least 20 minutes to get someone live on the phone during this call ; I was placed on hold for another 20 minutes or so, and then when I asked a question to follow up on what I was told, the phone went dead. This is incredibly frustrating, and I did not feel like calling again to be placed on hold another twenty to forty minutes. 

There have been no updates to my account MOHELA states that they are showing " No payments made in the last 36 months '' although I have made payments consistently between XXXX until XX/XX/XXXX when I requested consolidation. I have paid between {$550.00} and {$600.00} over the course of that time period, easily qualifying for PSLF loan forgiveness. However, MOHELA has yet to credit a single payment for me during that time period. My status continues to be shrouded in secrecy, and it is frustrating beyond belief. 

MOHELA continues to show that I have a balance of over {$47000.00}. I borrowed {$38000.00} for school, I estimate that I have paid over {$110000.00} on the {$38000.00} loan and without PSLF loan forgiveness I would have to pay over {$150000.00} on a {$38000.00} loan. That is simply unacceptable. I have been a public servant for most of my life and I have done my part to qualify for PSLF loan forgiveness. MOHELA 's handling of my loan is nothing short of shameful. It has been 197 days since I first requested consolidation with MOHELA for purposes of PSLF. It seems that would be more than enough time to review my paperwork and grant PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ) and 16 CFR 433.1 ( b ). //// DUVERA BILLING SERVICES , LLC is CONSUMER REPORTING AGENCY pursuant to 15 USC 1681a ( f ) ( p ). This is a dispute pursuant to 15 USC 1692g/// DUVERA BILLING SERVICES , LLC violated the FCRA for furnishing and reporting negative information on my consumer report that is inconsistent with the Permissible Purpose under the FCRA 15 USC 1681b. /// DUVERA BILLING SERVICES , LLC violated my consumer right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ) //// DUVERA BILLING SERVICES , LLC reported some negative transaction information, in violation of 15 USC 1681a ( 2 ) ( A ) ( i ), which clearly states that the consumer report does not include any report containing information to as transaction or experiences between the consumer and DUVERA BILLING SERVICES , LLC ./// DUVERA BILLING SERVICES , LLC also violated 15 USC 1681b ( a ) ( 2 ) for furnishing the negative information in my consumer report without my written consent. ///// DUVERA BILLING SERVICES , LLC also violated 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 2 ( 7 ) ( B ) for failure to send me a NOTICE OF NEGATIVE INFORMATION as mandated by the FCRA. I'm being denied credit and jobs opportunity due to DUVERA BILLING SERVICES , LLC non-compliance and violation of the FCRA /////I DEMAND the complete removal of the DUVERA BILLING SERVICES , LLC account including and not limited to any NEGATIVE REMARKS furnished by DUVERA BILLING SERVICES , LLC /// NOTICE IS GIVEN : In the event DUVERA BILLING SERVICES , LLC failed to comply with the FCRA , this complaint will be used as exhibit in any future federal complaint in Federal Court for the above referenced violations of the FCRA. And this account with be reported to the IRS for proper audit
Product: Credit reporting or other personal consumer reports

I am no longer an authorized user for this account and I am asking to have account removed from credit reports. XXXX XXXX formally XXXX card. I have sent in numerous complaints along with attached documents that I am no longer an authorized user and account is closed however XXXX  remains on credit report. I have attached proof of the creditor closing the account back in XXXX.