23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I recently tried to make a purchase through a game/app via google play XXXX XXXX XX/XX/2022 ). The app/game was XXXX XXXX XXXX XXXX XXXX  ). The currency in the game store was in my region currency ( XXXX ). After clicking to purchase it took me to the play store. I tried to pay by debit card but received the message 'your payment method was declined, please select a different payment '. So I tried prompt pay. Same message, 'your payment method was declined, please select a different payment '. I then tried google credit by adding the amount to my wallet ( XXXXXXXX XXXX ). Then when I went to click to pay by google credit it said 'this product is not available in your region '. So obviously I can not purchase this product. I asked google for a refund and they refused to give me XXXX, even though It was clear from my transaction history that I was only trying to buy this product.
Product: Credit reporting or other personal consumer reports

I was shocked and confused when I noticed inaccurate accounts on my credit report this evening. I have no idea why this happened. I check my credit report regularly, and this time, there were discrepancies that appeared out of nowhere. I even refreshed my browser to see if it was just a technical issue, but the errors remained. Im asking that the documents Ive submitted be thoroughly reviewed so that I dont have to worry about this issue again.
Product: Credit reporting or other personal consumer reports

I am disappointed. I rechecked my credit report again and again and I just feel even worse. I am starting to consider XXXX XXXX  for the severe XXXX this is causing me. I am rejected by multiple loan applications because of the inaccurate information being reported in my credit file.
Product: Credit reporting

The XXXX reporting agencies ( Trans Union LLC, XXXX, and XXXX ) are reporting fraudulent information in the public on my credit report and others, based on biases, even going as far as attaching my daughter 's credit profile on my credit report, when it is clear that we have very different Social Security Numbers and names. This is evidence of how unregulated credit reporting agencies are, and how the Enforcement Agencies are not doing their jobs. This is a sign of desperation on the part of the credit reporting agencies to make money and attack the American Consumer. CFPB has lack doing their job of Protecting the Consumer. We as the Consumer has no contract with the reporting agencies. The Reporting agencies has created bias toward XXXX groups of people. Which the major groups of people are XXXX and XXXX. These XXXX groups of people are targets by credit-reporting agencies, the agencies continue reporting fraudulent information ; ignore the Federal laws, and not properly verifying the information on the consumer credit reports. They are not showing the consumer the verified information of their process as evident of their verification. Then the credit reporting agencies lower the credit scores after the negative, collections, and wrongful information is dispute and removed. The reporting agencies continue to report the unverified information without evidence to prove the account are correct. Trans Union LLC, XXXX, XXXX has not sent the original contracts to me the consumer as evidence of their report by which the law requires. Compared to other groups of people, the XXXX XXXX 's and the XXXX 's scores remain very low despite the information on both groups ' credit reports being the same. I am reporting this information to CFPB first as an enforcement agencies as requires by law. My next step is to have both CFPB and the XXXX credit reporting agencies investigated for violation of the law, and violation of not enforcing the law ...
Product: Credit card or prepaid card

Sunday XX/XX/2020 called synchrony bank XXXX XXXX XXXX spoke with XXXX. 
Informed XXXX that I no longer have income and would like the account closed with no interest or late fees accessed. Per XXXX the account is closed to purchases but no closed completely. Have asked could the account be closed with no interest or late fees included. Per XXXX the account will need to be sent to third party before that could happen. Informed XXXX I have no income at this time due to the pandemic virus. Per XXXX only late fees will be waived of XXXX but payment will be needed to be made. Informed XXXX due the circumstances I have no income.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied at XXXX they did a 10 year background check. 90 % of what came back is XXXX  belonging to someone else. This person used my name years when he got pulled over and now I am stuck with his background. It's keeping me from getting a driver 's license, and passing a background check. I am mortified. His name is XXXX XXXX. Please help. Any more questions please call me XXXX. Thank you! 

Sincerely, XXXX XXXX PS. I uploaded the background check near the bottom of this page. All if it is false except two XXXX from XXXX County. And one XXXX charge from nearly ten years ago. That's three total. The rest belongs to XXXX XXXX only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know where else to turn so I am hoping your company could possibly help me. The credit reporting agencies XXXX, TransUnion and XXXX are reporting information on my credit file that I believe to be past the statue of limitations. I have disputed it directly with all three bureaus and requested information directly from the companies in question but no one is providing me detailed information so I do hope by your company stepping in I can get clarification on several accounts. I really need your help and I would truly appreciate anything your company can do to get this resolved.
Product: Credit reporting or other personal consumer reports

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, XXXX, AND TRANSUNION, UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED UP TO THIS POINT. 

Below, please find a summary of the inaccuracies that I am disputing in XXXX : : Incorrect Name - XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect DOB - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries were not authorized : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Below, please find a summary of the inaccuracies that I am disputing : Incorrect Name - XXXX XXXX XXXX This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry was not authorized : XXXX XXXX - XX/XX/XXXX
Product: Mortgage

I refinanced my home with XXXX XXXX XXXX XXXX XXXX and my first mortgage payment was made to them XX/XX/XXXX. The loan was then sold to another lending institution but XXXX XXXX did not convey the XXXX mortgage payment. I tried to get XXXX XXXX XXXX to correct this but after 5 months of effort, I was forced to make the XX/XX/XXXX payment again to the new lending institution to avoid being in default. 

Every attempt to reach XXXX XXXX XXXX was unsuccessful. I called every phone number listed but could never reach a human, I sent a certified letter ( marked received ) and even drove to the XXXX XXXX office listed on their website ( which they have never occupied ). 

Note of clarification : I paid XXXX XXXX XXXX  twice on XX/XX/XXXX ( in error ), and they did return 1 of those payments.
Product: Money transfer, virtual currency, or money service

I have an account on www.coinbase.com. 

On XXXX XXXX, 2017 I contacted coinbase.com support with the following observation : " I just noticed that {$2000.00} were withdrawn from my bank account and deposited to my coinbase USD wallet. I did not initiate this deposit. '' In response, rightly so, Coinbase assumed my account was hacked and they put a hold on my account. Shortly afterwards, I went through my old emails and found a confirmation email from Coinbase, of me initiating the {$2000.00} transfer. That jogged my memory that I did in fact had requested that transfer. It usually takes a few days for the actual funds to be retrieved from you bank account. And I just forgot about it during those few days. 

Realizing that there was nothing wrong and I simply acted prematurely in contacting Coinbase support, I responded to the email describing what happened and asked support what steps I can take to unlock my account. 

This is where the problem started. All communication stopped from Coinbase support, after that first email where they notified me that my account was being put on hold. Like all other customers I waited patiently for a few days but then started to get worried. Emailed support again. Tried to reach them on phone. Tried to reach on XXXX. Nothing worked and I am still locked out!
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian, XXXX and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX
Product: Mortgage

I took out a mortgage loan with XXXX XXXX XXXX  XX/XX/XXXX, first payment due XX/XX/XXXX. The loan was {$98000.00} financed, principal {$100000.00}. when I asked for a pay off XX/XX/XXXX, it was {$80000.00} plus Deferred Balance {$29000.00}, which bring the pay off to {$100000.00}, this is more then the original loan in XX/XX/XXXX. I question XXXX about the Deferred Balance, I was told it was all the late payment and interest payment. This was never explain to me during the duration of the loan. I am on a fix income, I am trying to get this loan so I can pay it off within the next ten years. The interest rate is 11.351 %.
Product: Credit reporting or other personal consumer reports

Ive been disputing these accounts and these companies are not moving its time to report their XXXX XXXX sick of it
Product: Student loan

Sometime in  XX/XX/XXXX , I received a collection call from  XXXX   XXXX , now Navient, regarding a private student loan that I allegedly co-signed for my son. The representative stated that the monthly payment was late and as the co-borrower I was responsible for the loan. I was unaware of any private loan and knew that I did not co-sign a private loan for my son. I explained to the representative that I disputed the debt and requested proof that I co-signed for the loan. The representative said they would send verification of my obligation on the loan but if I did not make a payment, I would face adverse affects to my credit report. In addition, I was told that If I believed the loan was fraudulently taken out in my name then I would need to file criminal charges against the individual who could have committed the crime - this would have been my son. I could not believe the response I received, I would NOT prosecute my own son because of  XXXX   XXXX  Navient 's  unsound practices that do not prevent this type of situation from occurring. In fear of negative credit reporting and because I was unwilling to file criminal charges against my son, I reluctantly began making payments on this private student loan.     Between   XX/XX/XXXX  and  XX/XX/XXXX I  attempted to make the primary borrower  (  my son ) take over the payments on this loan. Despite my efforts, I was the only  one  making regular payments on the loan. During this time frame I spoke to   XXXX   XXXX  /Navient on at least 6 separate occasions requesting proof that I co-signed for this loan. This proof was never received. In every call I consistently disputed the debt and was threatened with irreparable credit damage if I did not make the loan payments.     In  XX/XX/XXXX , I contacted  XXXX   XXXX  Naivent  again requesting evidence that I was had co-signed on the private loan for my son. After two attempts in   XX/XX/XXXX   and multiple attempts since   XX/XX/XXXX , I  finally received the requested documentation. What I received was a copy of an electronically signed loan application and promissory note. Today, my son is now deceased and I still maintain that I did not co-sign this loan.      XXXX   XXXX  Navient 's  actions of not requiring a valid signature of the borrower and co-borrower is completely unfair. My son was aware of my SSN and other personal identifiable information required to apply for this loan. This practice has caused me substantial injury. I was deceived into thinking that I was required to make the past 6 years of loan payments despite the fact that this lender has no viable evidence that I even agreed to this loan. Moreover, I consistently requested documentation of my obligation on this loan and was only provided documentation after 6 years of harassment from this company. After reviewing the provided documentation again, it appears that this deceptive company believes that they will receive their money even though my son is deceased. I think it is also worth noting that I never received one shred of documentation from  XXXX   XXXX /Navient until after I started receiving collection calls and requested the documentation myself.
Product: Debt collection

XX/XX/2018 i called Navient because they continue to contact me about late payments. I recently received an email stating that I owe {$730.00} in payments. In XX/XX/XXXX I attempted to consolidate this loan with XXXX and they told me i could consolidate. I pay XXXX $ XXXX month, another Navient loan {$88.00} a month. I asked them why they said i could consolidate if i couldnt. I never heard from them since XX/XX/2018 when I thought the loan was consolidated. Then in XX/XX/2018 they say no its not consolidated and you are 3 months behind. I previously had a debit of {$86.00} and it increased to {$100.00} under the rate reduction program. However, those debits stopped and I thought it stopped because it had been consolidated and it was included in my XXXX payments. 

I explained that I have no money left to pay {$730.00}, they insisted that i pay it the same day or {$170.00} by credit card. They then offered to put me on a 6 month interest only plan, which i still cant pay. What happens after 6 months. They said i had exhausted all forbearance. 

These people do not try to work with students forgetting that we too have living expenses. The rep said i could only refinance the loan amount which is {$38000.00}. I enrolled in University of XXXX XXXX and never got a degree because they coerced me into getting all these loans when i ran out of federal aid. I have tried to no avail to find out who and where all this money went. At one point Univ of XXXX said to me that they didnt refund money because students would use it buy cars, WHAT!!! 

University of XXXX XXXX was predatory telling me that it would be 18 months to earn my degree, yet they used predatory tactics to make you continue taking the same classes over and over then setting you up for more loans. 

I do not believe that Navient will assist me in any way except to sell XXXX to send them money. I am a XXXX XXXX XXXX XXXX without a XXXX XXXX XXXX promised. I completed the entire XXXX XXXX XXXX XXXX program but received a " XXXX  '' in one class. They tell me I need to repeat the entire program again. I have never heard this happening to anyone. 

Its not fair what Navient is getting away with. They will not accept anything other than what the scripts says. 

Please contact Univ of XXXX XXXX also for an explanation.
Product: Credit card or prepaid card

XX/XX/2023 I was re-debited for purchases I made at XXXX and XXXX XXXX XXXX XXXX  that went through at the time I used my card. Those purchases were made between XXXX and XXXX. I contacted cashapp immediately and was told by someone in support a technical error occurred between XX/XX/2023 and XX/XX/2023. They said merchants during that time that I used cashapp card with successfully received payment but funds were not deducted from my account. As a result, my account balance was temporarily higher than it should have been because my payment to the merchant did not decrease my account balance. 

There was no warning, no email sent out, no notification sent or posted in my account. They just started quickly and randomly deducting money out of my account in a very suspicious manner. Suspicious because they could not provide a total amount that was owed, no proof, their deductions do not even show up online or in any of my statements. 
They have so far made 4 deductions very quickly and not left any trail that they did so. The only trail was a brief notification on my phone and once that is opened it's gone. I have spoken with them repeatedly and have gotten no were. They finally sent me a statement that's different than the official statement that they send to my account to back up their claim. They won't let me speak to a supervisor and they won't tell me in total whats owed or how many deductions to expect.
Product: Money transfer, virtual currency, or money service

There have been multiple unauthorized charges on my Cash App and there is not a live agent to speak with. Also, once i sent a certain amount to the wrong person and was never able to get ahold of a live agent
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was sued by Mel S. Harris and Associates LLC under XXXX XXXX XXXX, XXXX for a credit card debt incurred and signed for in XXXX, XXXX  which was my residence between XXXX - XXXX. The lawsuit happened in XXXX and was served to an address in XXXX, XXXX  that I or no relative of mine lived at anymore and I lost the judgement I was unaware existed until my XXXX XXXX ( XXXX XXXX  at the time ) account was seized in XXXX  where I then lived behind the lost judgment. I tried to resolve with the firm at the time and they were demanding more money and unwilling to settle with the funds they had already taken through the XXXX XXXX judgement. I walked away from the account and moved on. 

Sykes v. Mel S. Harris & Associates LLC was a class action lawsuit that happened between XXXX against them for the sewer service situation that I should of been a part of and was not. They settled for XXXX XXXX and that information was likely sent to that address in XXXX  also. The lost Judgement against me is still active in XXXX, XXXX  and I need it vacated since it clearly says on the judgment the server taped the subpoena to the door of an address I hadn't lived at for 7 or 8 years and was not where the debt even occurred that I was being served for. The lawyer was aware at the time XXXX  was a state I could not be sued in. 

In XXXX the case was transferred to XXXX XXXX XXXX  where XXXX XXXX XXXX XXXX  took me to court and I was granted an exemption and told to resolve the case in XXXX  so no other law firm would try to collect again. Since then the debt has moved to XXXX XXXX XXXX. I was told at that time about the judgments being vacated but now I am finding out it not and is still active in XXXX  and XXXX and simply had an exemption on it now.