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

In accordance with the Fair Credit Reporting act XXXX XXXX Bank account number # XXXX Dates XX/XX/XXXX to XX/XX/XXXX. Has violated my rights. 
I called the customer service number to open an investigation on several occasions on their website but the item still remains on my credit report. 
15U.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't furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

After visiting on 3 different occasions the local XXXX de XXXX XXXX XXXX, translated is XXXX. XXXX XXXX, which is only for government employees like I was, they certified in writing, that my loan with them : THAT THEY ARE NOT THE ONES REPORTING MY LOAN WITH THEM AS DEROGATORY, COLLECTION, AND PROFIT LOSS - my loan has not been reported as a loss ; as reported by Trans Union since XX/XX/2022 ; see page 2 of the Letter included, in XXXX, on page 3, of the 15 pages document called : " My Complaint to Trans Union XXXX XXXX XXXX  ''. 
The letter starts on page 2. 
- neither has my loan been reported as derogatory ; as reported by Trans Union- they have also not reported my loan as a collection account ; as reported by Trans Union the account continues in the Association where it originated. 

But, the Trans Union Credit Report is showing : - this account as charge off/ delinquent account ;- with a derogatory status- but, at the same time, there are no days late reported at all ; a contradiction I included within this complaint : - an English Translation of my complaint ; - documents showing, Trans Union Credit Report of SXXXXXXXX XXXX XXXX showing this same account reported by Trans Union in contradiction with what was certified by the XXXX XXXX XXXXXXXX XXXX officers ; - the same letter from the XXXX. XXXX XXXX officer XXXX XXXX XXXX, handled to me personally today, XXXXXXXX XXXX XXXX, by their administrative officer and collection manager XXXX XXXX XXXX XXXX, the employee who received me at their offices in the last 2 visits due to this problem, first visit was XX/XX/2022, with the second and third last XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX ; - Copies of the letters, marked as received at the XXXX XXXXXXXX XXXX are included, but all three in the original XXXX Language ; - I also included evidence about why I do not work at the Puerto Rico Dept. of Education, and that it ended in the Supreme Court of the U.S. where it could be easily seen publicly just typing my name within the Docket Search section : XXXX XXXX XXXX - I also include evidence showing Supreme Court denial to hear a Case does not mean they approve the lower courts actions ; - I also include the last payment receipt made by myself personally last XXXXXXXX XXXX XXXX : For an unknown, their XXXX XXXX XXXX forgot to include it. 
Page 9, of My Complaint to Trans Union document ;
Product: Mortgage

on XX/XX/XXXX we closed and sold a home on XXXX XXXX XXXX, of which we had a mortgage with NEW REZ LLC a shellpoint servicing company. after close on XX/XX/XXXX i was sent a notice from XXXX ( my homeowners insurance company on that property ) that they were issuing a refund in the amount of XXXX to refund the unused pprtion of the homeonwers insurance. the letter from XXXX stated that " refunds are issued to your mortgage company, for questions please contact your mortgage company NewRez LLC XXXX XXXX XXXX XXXX MI XXXX ''. I contacted New Rez by phone roughly 3 times a week starting XX/XX/XXXX, and was continually told they didn't know anything about it and to just wait. on XX/XX/XXXX, and XX/XX/XXXX i again called New RXXXX and got the same answer that they dont know anything about it. on XX/XX/XXXX i contacted XXXX, who informed me that the check they sent to New Rez was cashed and deposited by New Rez on XX/XX/XXXX, meaning New Rez now had those funds. I spent 4 hours speaking to New Rez on the afternoon of the XX/XX/XXXX and was still told they did not have any information, and would look into it. on XX/XX/XXXX i was emailed by new rez saying that they still had no idea and that they needed proof of payment ( on the XX/XX/XXXX i gave them the check number and the letter i had gotten from XXXX that XXXX had sent ). i am now being told they need more " proof of payment '' which is absurd since someone at New Rez has successfully cashed that check from XXXX, which in turn is money owed to me. it is unbelievable that a company with around 3000 employees seem to have cashed a check of money belonging to me and now no one can find it or even admit they have those funds in their account, much less when those funds will be sent to me. at the end of the day this institution owes me money and is being completely uncooperative in trying to even assist me in figuring out where those funds are, much less getting them to me. had i owed this bank money, my phone would be called 5 times a day threatening me with fees and credit dings.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account ending 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. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Currenly my credit reports from experian, XXXX and XXXX are are showing late payments under the XXXX XXXX Account ending XXXX. I contacted XXXX XXXXXXXX and informed them multiple times this is inappopriate use, and I have also sent them Legal information to show my rights are being violated per the Fair Credit and Reporting Act. XXXX XXXX has challenged my views and re-reported mulitple times to the credit bureaus these alleged late payments
Product: Credit card or prepaid card

I sent a person XXXX $ to go as a down payment on a XXXX XXXX XXXX they accepted the payment of cash app n XXXX, said they were on the way but never showed XXXX $ gone down the drain. I need my money bck was saving for a car.
Product: Credit reporting or other personal consumer reports

I've mailed a request to Transunion to completely remove secuirty freeze from my credit report. Transunion continues to cause me hardship as it's preventing me access to my credit report. I've asked for supervisor call backs and I even sent a letter certified mail to request the removal and transunion has refused to honor my request or call me back regarding this issue.
Product: Student loan

On XX/XX/XXXX, I spoke to a MOHELA representative because my payment amount on the SAVE plan seemed unusually high. The customer service representative had me re-complete the application and gave me an estimated payment amount of roughly {$210.00}. This estimate lined up with their payment calculator as well as my own math based on the SAVE plan. 

On XX/XX/XXXX, I called again because I had been sent a statement saying that my monthly payment would be {$580.00}, more than double the amount stated last time. I was told to disregard this statement. 

On XX/XX/XXXX, MOHELA reached out to say that my SAVE application was rejected. On XX/XX/XXXX, I spoke with a customer service representative who gave another estimate of roughly {$230.00}. I had the representative add a note that my account had been miscalculated multiple times. 

On XX/XX/XXXX, I received another notice that the SAVE plan application has been rejected. 

According to my math, MOHELA is neglecting to take my spouses federal student debt into account despite that being a part of all IDR plans.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Equifax but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a dispute XXXX on XX/XX/2020 and still havent recieved a response
Product: Money transfer, virtual currency, or money service

On the afternoon of XX/XX/20 I opened a crypto app called coinbase to check my account. At that time there was a little over {$2700.00} in the account. I was working nights that week so I decided to take a nap. I woke up around XXXX XXXX and checked my account again only to see that there was only {$1.00} left in my account. I noticed that there was two tranfers out of my account to another crypto wallet. Upon seeing that funds were missing I contacted Customer support, all they have is email correspondence no numbers for live help. Once i sent an email I got an auto response telling me that an account specialist would look into my case and contact me within 4-5 days and that my account would be locked to protect it. That was almost five months ago and after repeated emails I am still in the same place I was in back in XXXX with recurring deposits to the app and no access because it is still locked. After a little research I found various forums on social media where people were pleading to customer support on the companys XXXX and XXXX page. At one point I thought that my account had been hacked and maybe coinbase could get to the bottom of it. But then I realized that the company employs two factor authentication and my phone would have had to have been on for someone to input the one time code and access my email to confirm this unauthorized transfer. I am starting to see a pattern of customers money disappearing, losing access and that access never being restored. I have also tried to contact their CEO XXXX XXXX via social media since hes always posting on XXXX and has a huge presence on his companys page. I sent him a direct message thinking that he would at the very least want to know what was going on in his customer support department but instead he blocked me from sending messages to him. I dont exactly know what is going on with this company but they should be held responsible for their lack of communication and transparency, not to mention they are gaining new customers daily that could go through the same thing. 
Upon request I can provide emails showing no answer from customer support. I can not provide a snapshot of the transfers because they company will not unlock my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I saw in the news the other day that the CFPB is compiling a list of complaints against banks and presenting the information to Congress. Approx. XXXX years ago I filed a complaint with you regarding the mishandling of my mortgage by Bank of America. The complaint is on file and you requested BofA to respond to my letter. They basically sent a form letter after their " investigation '' and said the matter was closed. They did not indicate what efforts they went thru or if they talked with the employees I quoted in my complaint. There were numerous other similar complaints on google when searched. Basically, BofA worked in bad faith and strong armed my situation. The stories on the internet even stated they paid employees incentives to get mortgages foreclosed. Basically, I was behind due to losing my XXXX because my bank, XXXX XXXX failed and was taken over by the FDIC. I was forced to sell my business in the middle of the banking crises to pay off my business loans. Then while negotiating with BofA they called me to inform me that my mortgage was foreclosed on and I had XXXX days to move out. They offered me {$5000.00} to leave my home in good and clean condition which I did. Then after I moved out they said I did n't qualify for the incentive. So I lost all my equity ( approx. {$250000.00} ), my credit is ruined, housing values fell in the immediate area and so did real estate taxes. All because BofA just wanted to clean up their mess. I believe there are many more people in my situation and are basically helpless against the giant bank. It sure seems like corruption and racketeering on the highest level. 
XXXX XXXX
Product: Checking or savings account

On XXXX XX/XX/year>, I received a letter from Capital One stating that my information was updated. I spoke to 3 different individuals and all they would tell me is my identity was stolen and that I needed to send a letter to a fax number requesting more information. They were not helpful at all and I don't understand why Capital One would have my information when I didn't even have an open account.
Product: Credit card

Charges on the Robinhood account are FRAUD. I tried explaining to them my situation, provided police report, documentation, and explanations but they REFUSE to help me. I have tried disputing the charges and they are not willing to help me. Very bad support and service. This a fraud please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any injury and view my credit report. In addition, i did not give you Equifax, XXXX, or XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611 and you i
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : not my social security numbers XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex FCRA violations : accounts not mine XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$750.00} Status Collection account. {$750.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$6.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Open. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$280.00} Status Open.
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.

They have violated my rights. 

Account name : # XXXX  Acct XXXX XXXX Account name : # XXXX Acct # XXXX Account name XXXX XXXX XXXX Acct # XXXX Account name : # XXXX XXXX XXXX Acct # XXXX Account name : # XXXX Acct # XXXX Account name : # XXXX Acct # XXXX Account name : # XXXX XXXX  XXXX Acct # XXXX Account name : XXXX XXXX XXXX. 
Acct # XXXX Account name : XXXX XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct # XXXX Account name XXXX XXXX XXXX XXXX  Acct # XXXX Account name : XXXX  XXXX Acct # XXXX Account name : XXXX  XXXX Acct # XXXX Account name : XXXX XXXX Acct XXXX XXXX Account name : XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct XXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to explain the circumstances of my chapter XXXX bankruptcy filing..Since credit bureaus wont hear me out I don't know the reason why, but they failed to cooperate..My husband had been laid off from work 7 months previously, which meant our financial situation was precarious. Mine was the only income in the household. I was just barely keeping up with the usual bills after the loss of my husband 's income. This led to our bankruptcy filing. .Things have improved since then..I have received annual raises and my husband have a job now.. Our credit history since the bankruptcy is relatively limited but all of our bill payments since the bankruptcy discharge have been on time.. CFPB reconsider, take care of my concern and fix the following accounts XXXX XXXX XXXX XXXX -- this account is reported twice the other trade line is in good standing..Its really confusing. Take off the other account which is XXXX XXXX XXXX XXXX.. 
fix also XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, UNIVERSITY XXXX XXXX, XXXX XXXX
Product: Vehicle loan or lease

It started in XXXX when they say I missed a couple payments, they repoed my car. XXXX XXXX XXXX XXXX CT retrieved it. Cost {$520.00} in cash and wasn't given a reciet. I paid XXXX to Hyundai finance and after that was paid they said my next payment would be XX/XX/XXXX. I went to pay and said I owed {$990.00}, my payment is {$490.00} I asked why it was that amount. They transferred me to someone and she asked me for my full # SS number, I asked her if I could have hers, she said no so I told her that I'd give her my last 4 digits. As I didn't have my account number. She refused to help. So I called again and again they said they can't help. So I called again and finally I got some answers, one, they said that the money, {$1800.00} was put towards the principal and I still owed {$420.00} for report charge. That charge was included in the payment I made. I told them I already paid that and he said no the money was put as principal and could he set up a date to pay that. I told him I would pay my payment {$490.00} + {$20.00} dollar late fee. So I paid that. Then I asked about the remaining {$59.00} and they didn't address that.my credit report said as of XXXX I had XXXX balance on that account. I also don't know if their allowed to give my personal information to a 3rd party aka report company. 
I have a 2022 XXXX XXXX from central Hyundai in XXXX XXXX Bought XXXX of XXXX. I'm on XXXX and for a XXXX dollar car they charged me over XXXX, my sister cosigned, both our credit scores were XXXX or below, I make {$1700.00} and my sister makes XXXX but they put me as cosigner and my sister as buyer. But everything, registration and insurance I pay. Not sure if I'm paying way to much for my income and how it got to that amount.
Product: Debt collection

On XX/XX/2023 I signed up for XXXX XXXX via online platform which advised I could cancel my membership within 30 days with no penalty. I called XXXX on XX/XX/2023 XXXX  XXXX XXXX  and advised I would like to cancel my membership and was advised by the man who answered the line I would have to go online to Cancel.XXXX. I e-mailed as instructed and advised I would like to cancel my membership. I received a confirmation email on XX/XX/2023 XXXX XXXX XXXX form From : XXXX advising my membership has been canceled. I called XXXX  again on XX/XX/2023 XXXX  XXXX XXXX  and XXXX XXXX  to confirm my membership was canceled and spoke with a young man named " XXXX '' which he could not pull up my account and advised my membership was canceled. On XX/XX/2023 I received a letter from Aldous and Associates that I owe XXXX  {$7000.00} for canceling my membership and that I must pay this amount before or by XX/XX/2023. I went to XXXX on XX/XX/2023 at XXXX XXXX  mountain time and asked if I could have my contracted printed out and spoke with 2 separate men who discussed my account and advised that they could not print out my actual contract. When I asked for their name, they refused to provide their names or manager names. I am disputing this bill as I canceled my membership within the time period. I did not receive any emails or letters from XXXX advising that I was in " default '' with them. The only notice I received was the letter and email from Aldous and Associates