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

In accordance with the fair credit reporting act : 1XXXX XXXX : XXXX 2. XXXX XXXX XXXX : XXXX 3.Drpt of Ed : XXXX 4.XXXX  XXXX  XXXX XXXX XXXX XXXX 5.XXXX XXXX XXXX : XXXX 6.XXXX-XXXX XXXX  XXXX 7.dept of Ed/XXXX  : XXXX0 8.dept of Ed/XXXX XXXX : XXXX 9.XXXX  XXXX : XXXX 10.XXXX XXXX XXXX XXXX : XXXX 11.XXXX XXXX  : XXXX 12.XXXX XXXX : XXXX 13. XXXX  XXXX  : XXXX 14.XXXX XXXX : XXXX 15. XXXX XXXX  : XXXX 16.depted XXXX  : XXXX 17.XXXX XXXX XXXX  : XXXX 18.XXXX XXXX XXXX XXXX 19. XXXX XXXX : XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A.Section 2 : it also states that a consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C 1681 - Congressional findings and purpose. : ( B ) ( 4 ) Reasonable Procedures. F.C.R.A 15 U.S.C 1681C-2 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Block of information resulting from identity theft.

18 U.S.C 1028- ( A ) ( 1 ) ( 3 ) ( 7 ) ( 8 ) Fraud and Related activity in connection with identification documents, authentication features, and information.

No SSA-89 form for furnished information ( s ).
Product: Credit card or prepaid card

I received an alert from my credit bureau saying tha t JC Penny Synchrony Bank reduced my credit limit from {$2300.00} to {$1000.00}. I called the company and  was told to call the credit bureau because they are the ones that reduced my credit limit. I had a  XXXX  balance on the account and I had  a higher credit score now versus whe n I actually applied for the card. There had not been much activity on the card by my own choice. There was no reason to reduce it. I have closed the card as the representative I spoke to was so rude to me. I do n't think the bank should be able to get away with treating the customers like that.
Product: Credit card

An account was opened from a residence where I used to live my phone number was XXXX XXXX and they got my card and made purchases. I have asked them the purchases are not mine and checked with XXXX XXXX at Chase Fraud, and yet they are saying I am responsible for it.
Product: Mortgage

We sold our house and are moving abroad. The remaining escrow balance is about {$12000.00}. The mortgage company ( Paramount Residential Mortgage Group - PRMG ) refused to provide an alternate payment method other than sending a check. You can not cash an XXXX XXXX  check in XXXX! I escalated 3 times but always gor the same response, it's policy and there are no exceptions.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX # XXXX These account have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

m disturbed that XXXX and XXXX are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/XXXX and reapplied/put back on to my credit file today XX/XX/XXXX. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Submitted documentation to have XXXX XXXX credit auto removed amount {$8100.00} fraudulent account. Account must be deleted by law from credit file.
Product: Debt collection

A settlement agreement was reached with OneMain Financial on XX/XX/2021. The terms of the agreement advised that XXXX will report the settlement to the credit reporting agencies as " Settled in full for less than the full balance ''. As of XX/XX/XXXX, I have settled this balance via XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Case No. XXXX Acct. No. XXXX. XXXX XXXX XXXX. XXXX and received the Certificate of Service from XXXX XXXX XXXX XXXX. 

OneMain Financial agreed to release lien on the vehicle upon the receipt of final settlement payment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX was my primary point of contact and can be reached at XXXX. 

As well, XXXXXXXX XXXX XXXX  can be reached at XXXX to verify that this account is now paid in full.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of this account from my report due to it reporting the last payment was XX/XX/2017 the statue of limitations on debt in the state of Ohio is XXXX  years on all debt i have had this account removed from my other credit reports due to the same incorrect information being reported
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : XXXX 
XXXX XXXX Balance : {$1100.00} -Charge off XXXX XXXX Balance : {$10000.00} 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX regarding a treatment I received for knee joint pain. I visited their office on XX/XX/2023, intending to undergo a series of five treatments targeting different aspects of my condition. However, I encountered several issues during my visits. 

During my third visit, I was informed that I could not proceed with a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was at this point, after several visits, that they reviewed my XXXX XXXX  and determined I was XXXX XXXX XXXX XXXX Consequently, XXXX XXXX ( Patient Coordinator ) offered a refund for the remaining treatments, which I accepted. However, instead of processing the refund promptly, they attempted to switch the treatments I was to receive, which I declined as they were not the treatments I had initially agreed upon. 

To undergo the treatments, I took out a {$12000.00} loan from XXXXXXXX XXXX the recommended finance lender by XXXX XXXX. Despite XXXX XXXX ' assurance of a refund, I have yet to receive the reimbursement for the treatments I did not receive. I am now requesting a full refund for the remaining treatments as promised. 

I have attached copies of relevant documentation, including receipts, correspondence, and medical records, to support my complaint. I would appreciate it if you could investigate this matter and help facilitate the refund process.
Product: Student loan

The loan was in a Class Action lawsuit and should have been canceled. I am a Co-Signer for my Daughter and I am being harassed to pay a loan that qualified to be canceled under Navients Lawsuit Criteria for my Daughter in which I was in Bankruptcy at the time of the loan given their Criteria and Navient refuses to cancel the loan as they did for other students who could not pay. 
Navient canceled loans for students who could not pay and they are trying to get the money from me in which I met the criteria being in Bankruptcy for the Loan to be canceled in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out 3 letters to each credit bureau, Experian, XXXX and XXXX. I requested to have 3 particular accounts removed from my credit report, since they were not reporting 100 % accurate information. I made it clear that, reporting laws ensure that bureaus report only 100 % accurate credit information. 

I requested that the information be investigated and DELETED if not fully validated and that I wanted to be provided with proof of the alleged items, especifically the contract/terms with my wet signature. 

I received a response only from XXXX and XXXX bureau, but not Experian. 

XXXX and XXXX provided me with feedback within 30 days, but failed to provide me with the verification and proof of their investigations. 

On XX/XX/2023 I sent out a second round of letters to each credit bureau in hopes of being provided with a full description of the investigated task of my disputes. I also sent 3 more follow up letters on XXXX, XXXX, XXXX 

I mentioned that sending out a generic form through the e-Oscar system for the dispute is not reasonable, and that I wanted a full validated investigation with details on how you verified this ( names of people you spoke with and contact numbers ). 

However, I never received a response from neither credit bureaus ( Experian, XXXX or XXXX ). I have not received a response in over 30 Days.
Product: Credit reporting or other personal consumer reports

The credit bureaus TransUnion, XXXX, and XXXX continue to share inconsistent and incorrect information on my consumer credit reports even a recent investigation and re-investigation of the same accounts. They said that everything was accurate and in fact it is not accurate. This is a clear violation of my rights and causing undue stress on myself and my family because we are being denied credit for essential products and services. The inaccurate information is noted by red arrows in the uploaded documents. XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account for the past 2 years. When the account first popped up on my account I immediately had the accounts associated with this account removed from my account and didnt have any problems with XXXX  or XXXX  getting them removed back in XXXX. While Equifax was going through there breach they did not report any of this information. When they did report the information back in XXXX i started disputing this error. I have been disputing this fraudulent account for the past 2 years with Equifax and do not seem to want to remove this account. I have disputed and disputed, and disputed, and disputed and i dont know what else to do. The information used to obtain this apartment can not be provided. I have requested a copy of my drivers license, social security and application used to obtain this apartment and XXXX XXXX XXXX nor can XXXX XXXX XXXX  provide this information. I dont know who obtained this apartment and neither do they ...
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX chargeoff debt but has yet to provide me a 1099c form.

Under the Internal Revenue Code ( IRC ) Section 6050P, lenders and creditors are legally obligated to issue Form 1099-C when a debt is canceled or written off, ensuring transparency in income reporting and compliance with tax laws.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I logged into my Robinhood account from my new mobile phone. I went through all the necessary steps approving the device and even called their support team to approve this. My account was restricted as I attempted to withdrawal {$800.00} multiple times and it showed fraud. I then tried to make the amount smaller and withdrawal {$500.00} from the account and it did not work either and said that my account was locked due to fraud. I spoke with the customer service and the rep said it would be clear in 24 hours because of the new device, I also submitted bank statements, photo id, and pictures of myself to the company 5 separate times, Proving my identity and confirming my account. 24 hours goes by and I call back because I am having the same issues. They say a quick repair is to move the funds to the spending account and withdrawal funds from it. I attempt that and it locks my account down even further where I can not make any actions on my account. I call back on Monday the XXXX and the service rep forced me resend my license, my photo of my self, and bank statements again and said the account will be unlocked in 24 hours. I let 48 hours go by and wake up to an email from Robinhood stating my account was restricted even further. I login and states I have to re upload my ID and more pictures of myself to confirm it is me. I do this yet again and have no luck unlocking my account. I called back to customer service and they forced me to change my email and password stating that this would unlock the restriction on my account. I do this just as they ask and the account goes into further review. I then receive a voice mail from the company stating the review is complete and they need to speak with me. I call back 4 times and the reps say something different each time. But the one thing they all say is that my account will be sent in for review and take 7-10 days to recover. 3 service reps hung up on me with out any closure to the conversation and still did not allow access to my funds in this account which is {$52000.00} at this time. I have filed complaints with the SEC, the CFPB, and will be contacting my lawyer first thing in the morning to have my account restriction handled and to pursue a lawsuit against Robinhood for withholding my funds and not giving me access to my money, after proving my identity 6 different times, and doing everything the company asked of me. These actions by Robinhood have put my bank account in the negative, and left my family stranded on vacation. I have done everything that Robinhood has asked of me and still am. It allowed access to my money.
Product: Bank account or service

I received a letter from the Bank of the West where I have a checking account in which I typically retain a significant balance that I am going to be automatically charged a monthly " Paper Statement Fee '' of {$3.00} unless I elect to receive Online only statements. I have had this account for decades and I object to being 'coerced ' into doing business online.
Product: Checking or savings account

Prior to using Square merchant services I was with XXXX XXXX for my merchant processing. 

In the 6 years I was with XXXX, I won over 90 % of chargebacks filed against my company. XXXX provided me with the full card number of the cardholder for each dispute, the name and phone number of the bank handling the dispute, and the means to send me rebuttals to the banks. Now that I am with Square, they refuse to provide me with any of these details, despite Square using XXXX as their own processor. 

Since signing up with Square I have lost 100 % of my chargeback disputes, which leads me to believe that Square is not sending the rebuttals and evidence I upload via their online dispute resolution process to the cardholder 's bank. When I called in to square to ask for the bank details for 2 banks handling 2 different disputes on my account, they refused. These disputes amount to over {$2400.00}.

On one dispute I have included signed proof of delivery to the customer dated after her complaint of " product not as described '', which is an impossible complaint to make before receiving merchandise. I also sent an email from this customer who stated she canceled her dispute with her bank and I would be getting my funds returned. Weeks have gone by and the funds have not been returned to my account despite uploading this documentation to Square refuting the customer 's claim. 

A second dispute the customer claimed non-delivery of Goods.  I provided a signed proof of delivery to the billing address of this customer. I also called the customer who confirmed he had contacted his bank, confirmed receipt of goods and that the dispute had been canceled. Despite providing this documentation to Square, my funds have not been returned.

How I can go from over a 90 % win ratio to a 100 % loss ratio from switching processors is a mystery. The only logical conclusion ( because the way I fight chargebacks is the same now as it was then ) is that Square is mishandling my documentation and not providing it to the cardholder 's bank, allowing the bank to defraud me for thousands of dollars. 

Requests for a supervisor by Square were denied. Requests for the cardholder bank contact details were declined. Proof that the documents I submitted to square were delivered to the cardholder 's bank were declined. A request for a callback from a manager/supervisor or the legal team were declined. Square is violating my financial rights and assisting with fraud against my account. They are refusing to provide information that XXXX gives them access to, stating company policy as their reasons.
Product: Money transfer, virtual currency, or money service

To : CFPB ( Consumer Financial Protection Bureau From : XXXX User Dear CFPB, My complain is about my paypal account that was in limit. I don't know my grounds or violations I did. It was happened when my friend 's paypal name XXXX XXXX got in limit status. At first her paypal was in temporary limits and he appeal the problem and also she talked to the paypal in limit department about what happen why her paypal got in limit she only did was to add a card so that she can withdraw the money from her account but unfortunately the paypal response to her about the status and the paypal didn't accept the appeal and it turn that her paypal became permanent limits. She always keep on asking about what was her grounds and the paypal can't point out the main reason. On that time we plan to transfer the money from her account to my account so that the fund will be withdraw because that fund was compulsory fund and she need that fund, because during that time her daughter was admitted in the hospital for XXXX XXXX. We attempt transferring the money many times and we did it and I receive the money after all. But after what we did the paypal also send me an email about the status of my paypal and so bad to my apart and also to her because it came out that my paypal also was in temporary limits. And again we did to appeal but unfortunately the paypal denied my appeal and it turn into permanent limits. To this complain center I need your help sir/ma'am to have an action regarding about my problem in my paypal account XXXX XXXX XXXX need that fund for her financial problem right now. We look forward this matter. I hope this will be fix soon. Thank You and GODBLESS
Product: Student loan

I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and DEPTEDNELNET with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never late.
Product: Debt collection

I received a letter from Nelnet.com, Concerning a debt that, I do not owe. After they have been notified by my attorney, To Decease and Desist from communicating wit me they still engage in Practices that is in violation Pursuant to the Federal Fair Debt Practices Act ( 15 USC 1692c ), and is in violation of Federal Law. The letter Date : XX/XX/ 2019, also fails to verify the debt.