23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

As a victim of debt bondage, a severe form of human trafficking. I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX XXXX, an organization dedicated to helping survivors of human trafficking. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted.

DEPT OF EDUCATION/NELNET account XXXX XXXX DEPT OF EDUCATION/NELNET account # XXXX DEPT OF EDUCATION/NELNET account # XXXX DEPT OF EDUCATION/NELNET account # XXXX DEPT OF EDUCATION/NELNET account XXXX XXXX DEPT OF EDUCATION/NELNET account # XXXX DEPT OF EDUCATION/NELNET account # XXXX DEPT OF EDUCATION/NELNET account # XXXX DEPT OF EDUCATION/NELNET account XXXX XXXX DEPT OF EDUCATION/NELNET account # XXXX DEPT OF EDUCATION/NELNET account # XXXX DEPT OF EDUCATION/NELNET account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes on the following dates XXXX XX/XX/XXXX to XXXX, XXXX XXXX and Transunion in reference to the Public Record reporting inaccurate data on all 3 of my credit reports. No response has been sent to me via usps postal services or via email. they are in violation of my FCRA rights. no proper investigation was done. 

Bankruptcy ( PUBLIC RECORD ) Date Filed/Reported XX/XX/XXXX
Product: Credit card

In XXXX I received email from XXXX that said, " Get a new Apple Card. Spend {$75.00}. Get {$75.00}. It's simple. '' The offer was that if I spend {$75.00} in my first 30 days they will reimburse me for that. I got the card and spent {$80.00} within the first week. Nothing happened. I subsequently spent the past six months contacting Apple Card/ Goldman Sachs XXXX spoke with more than five supervisors, and submitted proof of the offer I received ( XXXXhree times at their request ). They said they opened cases over four times, each time telling me that there would be a resolution in ten days. Nothing was resolved and each time I waited ten days ( or more ) and called again it seemed like they were starting over and registering another complaint. This morning ( 12 days after the last call ) I was on the phone with them for over an hour, being transferred three times to a supervisor in the technical department who said that he could not escalate the situation other than submitting another complaint, nor could he connect me with someone in authority higher up. I am running out of patience with their delays. Whether they are incompetent, ignorant, or intentional the result is the same : my distress at their failure to honor their offer.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED/STOLEN XXXX AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 
DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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  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: Mortgage

I have been denied a modification with OCWEN XXXX times. There are numerous servicing errors and documentation regarding ownership of the loan has been misrepresented which has contributed to my denial of a modification. I also had an attorney send a Cease and Desist Letter to XXXX XXXX, repping XXXX, in reference to illegal foreclosure actions taken in violation of MGL 244 s. 35A ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted on Multiple occasions disputed to Experian on incorrect information that appeared on my Credit Report, they incorrectly report late student loan payments and collection accounts that do not belong to me. I tried on many occasion to have them send verified information to me, of how they got the information, how provided the information, and Experian failed to provided me with complete information, and the negative items still remain on my credit report!
Product: Mortgage

My refinance loan XXXX XXXX XXXX closed on XX/XX/XXXX. As of today, XXXX, XXXX XXXX my loan has not funded. The origination process was mishandled numerous time by the company. I started my application process in XXXX of XXXX and had been approved and locked a rate XXXX. The loan took until XX/XX/XXXX to close and then the company did not disburse the funds.
Product: Credit card

My credit card builder account with chime was closed back in XX/XX/2024 Ive asked chime numerous times via phone calls and via there email support center to update to XXXX that the account is closed, chime tells me its up to the credit bureaus to update this information, as I have disputed it several times through the XXXX XXXX dispute center chime keeps sending back information incorrectly that the account is still open and the end results is that my credit report is not being updated correctly. Ive been trying since XXXX to get this all straighten out and everyone keeps pointing there blame for it on someone else chime says its the bureau reporting at blame and the credit bureau says chime needs to report the correct information and Im stuck in a merry go round of very bad customer service with chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized credit inquiry I am writing to request the removal of an unauthorized credit inquiry on my XXXX, XXXX  and XXXX  credit Report. 

My latest credit report shows a hard inquiry from your company. Ive had a security freeze and fraud alert on my credit file since 2007. According to the FCRA data furnishers are responsible for reporting accurate credit information. The FCRA also states a potential creditor must adhere to FCRA fraud protection guidelines. 

As a consumer I have done my due diligence to seal my credit file. Utilizing the credit freeze feature and fraud alert feature. Your company is in violation of the Fair Credit Reporting Act. My credit file was accessed illegally by your company. My credit file clearly states a company must contact me via phone to ask identifying questions. 

Your company allowed someone to gain access to my credit file to apply for credit I did not authorize. Please remove unauthorized inquires from my credit file. I would appreciate a copy of my credit file once this issue is resolved. 


Unauthorized account information below : CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you, XXXX XXXX
Product: Credit card

The Florida Attroney General Investigator XXXX XXXX and the XXXX County Sheriffs Office filed a number of Investigations for Property Loss againist XXXX XXXX and XXXX XXXX in ( XXXX ) for XXXX, XXXX and XXXX. 

XXXX, North Dakota dismissed the outstanding balance of ( {$790.00} ) as it pertained to the Property Damage, Property Loss and Identity Theft filed with the Florida Courts and XXXX Judges. 

XXXX XXXX stated that the Outstanding Balance of ( {$340.00} ) was an unresponsible action of either the Retail Store and or the Online Order Service but, refused to resolve or mediate for ( 4 Years ) and Continuing. 

There are, Escalating Concerns of a Contiuned Fraud, Theft and Scamming of Resurgent Capital, XXXX XXXX and XXXX XXXX. 

XXXX XXXX ( XXXX ) XXXX ( XXXX ) {$3000.00} Property Loss ( XXXX ) ( Phone Service )
Product: Checking or savings account

I opened an account online with Chase Bank in the early part of XX/XX/2019. It was a product called " The Secure Checking Account ''. About one week into my newly opened checking account with Chase, I called the bank to find out what my account balance was only to find out that my account has been frozen by their Loss Prevention department and without any explanation. The customer service representative then transferred me to the Department that made the decision to close my account so that I could get some information as to why it was being closed. When I finally got someone to answer the call, I asked them why is my account being closed because I didn't have a negative balance and I had bounced no checks since my account had been opened. The response had been that the account was sent for a review and the decision has been made by the bank to close your account. That was the only answer that I received from them. The bank refused to give me a valid reason for this unjustified and extremely unprofessional way of handling my new account with them and to treat me in such a way that made me feel like I was a criminal of some kind. I even asked them for the reason that made them decide to close my account so abruptly, and the only response that was given to me was that they would not tell me the reason why it was closed. The Bank refused to give me a valid reason for the closure of my account and they went on to further tell me that I will never find out why this was done. My account was in good standing while it was opened and it was never negative or never had I bounced any checks during this time. This is completely unfair, unjustified, and completely discriminatory of them to do such a drastic and harsh thing to me, and not even get an explanation or any kind of reason for this closure. This is definitely not right and I feel like I was totally singled out and picked on by the bank for no valid reason at all.
Product: Debt collection

I received a letter dated XX/XX/XXXX, indicating my information was part of a data breach from LCS Financial ( principal ). The letter came from a company called XXXX ( 3rd party, attached ), but the information was held by LCS Financial. 
I made multiple inquiries. During which the 3rd party eventually shared LCS was a debt collection agency who had my information for a XXXX or XXXX XXXX loan. I DO NOT HAVE either. I am current on all my obligations and have been since my XXXX XXXX XXXX XXXX. 
That XXXX was the result of taking care of a parent that initially needed 3-6 months of care and wound up needing 3 1/2 years of care. None of those loans were XXXX or XXXX XXXX. More importantly, they were XXXX in XX/XX/XXXX. Therefore no debt collection records should exist. And no collection agency should have possession of my information, specifically LCS Financial. 

It appears LCS Financial illegally obtained or retained my information that was then subjected to this breach.
Product: Debt collection

This is a joint account that I am not aware of. I called the company to get a contract for this account. The company refused to give me any information. The company told me if I gave them {$11000.00}, they would reinstate me and delete this from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed address and phone numbers with Transunion not even 10 seconds in they claimed their investigation was complete no way possible that could happen on XX/XX/2022 i tried to dispute the bankruptcy as well 15 U.S. code 1681 states i have the right to privacy nothing was investigated or researched literally less than 10 seconds the investigation was complete.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

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: Mortgage

The lender initiated foreclosure within the early intervention period in violation of Regulation X,  12 C.F.R. 1024.41 ( f ).  - The lender has also not provided a response to our qualified written request for the loan history needed to assist our client.
Product: Credit card or prepaid card

I bought a ticket from XXXX with my Arrival plus Barkclaycard on XX/XX/2017 traveling to XXXX XXXX XXXX XXXX, the ticket cost was about XXXX dollars. When I call Barclay to redeem my miles they are saying that my miles are no good because I was suppose to redeem them when my flight was completed ( meaning after 90 days only. ) How will I redeem the miles after 90 days if my flight was on XX/XX/3017? 
Now Barclay is not allowing me to use my rewards and they want me to receive a lower amount in money which reduces the value of my points. Previously they allowed me to use my points and now they are not. Barkclay is been disrespectful and is giving me a big problem. I feel that they are taking me for granted. I have been with them for about three years and have a great payment history. Previously I recommended them to several members of my family and friends however now I am in schock with the way they are behaving. I look forward to your response.
Product: Credit card

I attempted to apply for a credit card with this company and the company denied my application.
Product: Checking or savings account

XX/XX/2023 receive email that unusual activity on my account and to call to verify activity. When I call I was told they will close my account and end business relationship, and a check will be mailed within 7-10 business days or to go in branch and withdraw my funds. I go to branch XXXX XXXX and they are able to withdraw all my funds and upon calling 'back-end ' was told they are not closing my account and it was my request. They confirm the 'closing of my account ' ruling was overturned and if I wanted to continue with my withdraw since they will not close my account and wanted me to go in branch to verify identity. They unrestricted my account and everything looks normal. On XX/XX/XXXX the next day I receive email my accounts are restricted again and they are closing my accounts. I go in branch on XX/XX/XXXX and they state they are unable to withdraw my funds due to a pending investigation that was closed and finalized weeks ago. When I request written notice or documentation regarding why my funds are not accessible and I have no ability to use my funds, they deny providing any written information. I call on XX/XX/XXXX to request my funds be made available and demand full use of my funds, they deny my request stating there is an indefinite investigation and it could take anywhere from 1 day to 1 year to resolve and my funds are not available, even after closing my account and stating I would receive my funds within 7-10 business days.

They are violating customer agreement and their promise to return balance within 7-10 business days, violating EFTA regulation E by having an ongoing indefinite investigation that was finalized and closed weeks ago, being unfair and deceptive by lying to me stating my account will not be closed so they may put a hold on my funds and not allowing full use of my funds creating undue hardship. They are acting in bad faith not providing any written documentation and illegally investigating behind-the-scenes without any communication or cause. 

I also have videos of my entire interaction at the branch location showing the unfair and deceptive practices, however due to file size I am unable to upload to the CFPB portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 i checked my Experian report and its still showing numerous addresses and numerous phone numbers that i haven't live in over 10 years i have tried to dispute this in the past but nothing has changed
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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.

Extra : 10351, XXXX XXXX XXXX :10351 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 an 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 or 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 send southern credit recovery a money order on XX/XX/2020 as long with a letter to notify when they recieve the letter and money order to remove this item from my credit report.i have the copy of the money order in full for the item and would like for it to be remove quickly because it is hurting my credit.
Product: Money transfer, virtual currency, or money service

Pay pal is trying to black mail me I had someone by something from me and the paid with pay pal I met ther person in person handed her the item she purchased in her home town after I went in the store when I came out they were gone she calls me 2 hours later saying its damage I said thats the case mail it to and I send your money back she apparently didnt wan na do that because she file a dispute With PayPal because thats how she paid to PayPal went and took my money and when I called up PayPal and I asked him about it and I told her to mail me my stuff back and then they said something to me about the consumer protection laws doesnt promise that I can get my stuff back I said and I sent them a copy of the consumer protection law and says since when does somebody have protections when theyre buying a used item off of a private individual that lady left she had my item in her hand she left when I came out of store she was gone calls me two hours later and says that its damaged I said dude you had in your hand at the store you left with it youre gone for two hours how do I know you didnt drop it down the subway steps or something so what appeared to me was she was trying to keep the item because when I told her to mail back she refused it and if she disputed it with PayPal now PayPals white and Ill kinds of stuff they got my account limited theres like so theres money on my account that I cant transfer because they wont let me so in my opinion or blackmail me they brought up about the consumer protection rates that Im not going it doesnt say I can get my stuff back for sure or something like that they told me so yeah but this lady already paid for a product Im a private citizen she saw it she bought it off of me like a flea market what consumer rights does she have none when youre buying it off of private party Im not a store so they say my account is limited until I provide proof of I have a business account with them my business account been with them for two years probably now all of a sudden they want all this stuff I dont even know what they want because I gave them the facts on this lady who is trying to dispute an item she purchased off of a private citizen And she shouldnt have been allowed to dispute it for PayPal because she didnt buy it from the store theres no invoice theres no guarantee return after 30 days I dont have any that Im a private person she inspected the item she looked at it she held it in her possession for two hours before she even disputed it
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a KOHLS/CAPONE Inquiry on my credit report that I do not recognize, not to long ago I went to the Kohls store and the lady asked me if I had a kohls card, I said no so then she asked me for my identification and I didnt know why, it turns out that she applied for the card without my consent. I think that this shouldnt be allowed because she did this without consulting me first.