23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Around XX/XX/XXXXI was contacted by XXXX XXXX XXXX with a program to consolidate my student loans. I signed up, paid an upfront fee and then {$50.00} per month as the program stated after so many years of paying my loan would have {$0.00} balance. In XXXX, I learned that this company did not consolidate my loans and did not make monthly payments on them. They changed my contact information to an address and phone number in California, which I was unaware of. My credit report shows that American Education Services has or had my federal student loans but when I inquire they said that my account number does not exist. Fedloan servicing, now handles AES loans and I contacted them with what had happened. They said that I would just need to log into my account and see if I would qualify for one of their programs. Every time I attempt to log into the account it automatically generates a forebearance request. CFBP filed a law suite against Student Loan Servicing in regards to this and that consumers affected would be contacted. I was never contacted and I am not sure who has my federal loan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
This reporting account is fraudulent, the consumer name they are reporting is NOT ME and NOT MY NAME. 
Account name : XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Sec. 602 ( A ) states I have the right to privacy.

15 U.S.C 1681 Sec. 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. 

Account name : XXXX # XXXX negatively reporting on my consumer file violates my consumer rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some incomplete, inaccurate, and negative reportings. 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 ).

According to 15 USC 1681 ( 5 ), they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, lf, 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. 

According to 15 USC 1681 ( s ) ( 2 ) they are not legally permitted to 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. 
According to 15 U.S. Code 1681c ( a ) no consumer reporting agency may make any consumer report containing any of the following items of information :
Product: Money transfer, virtual currency, or money service

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

XXXX XXXX, XXXX XXXX To whom it may concern, Ive already sent letters and spoke with the creditors asking them to remove these late payments with the dates as follows ( XXXX & XXXX ) and they have not abided by what I have requested. XXXX XXXX XXXX XXXX have also violated my consumer law because they never gave me the option to opt out from reporting this information to a third party. 
The law 15 U.S CODE 6802 B Obligations with Respect to Disclosures of Personal Information states ; except as otherwise provided in this sub chapter a financial institution may not directly or through any affiliated third party any non-public personal information unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title. 


I demand these two late payments removed! 
Thank you. 
XXXX Creditor : XXXX XXXX XXXX XXXX  ACCOUNT number : XXXX
Product: Debt collection

Westlake Portfolio illegally repossessed my car that I purchased with us auto and sold it for {$900.00}, but they keep calling and harassing me daily to pay {$9000.00}.

When I called to make my normal monthly payment and found out us auto closed the new company Westlake Portfolio wouldnt accept my car payment but wanted me to pay {$9000.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Collection reporting inaccurately Dear Equifax, After reviewing my credit report I noticed an inaccurate account on my credit report. I am requesting that Equifax investigate the following account to ensure accuracy. I am requesting the collection account to be deleted from my credit report once the investigation is complete. 

XXXX XXXX  XXXX This account appears to be reporting inaccurately. 

Once your investigation has been completed, please forward all relevant information validating the accuracy of the debt, including the results of your investigation, to the address listed above. 

If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - XXXX XXXX ( Acc Number:XXXX ) XXXX - XXXX XXXX ( Acc Number : XXXX ) XXXX XXXX XXXX -XX/XX/XXXX XXXX - XXXX XXXX -XX/XX/XXXX I have contacted the credit bureaus to let them know that I am a victim of identity theft and that someone has been using my personal information without my consent. I have placed a fraud alert on my credit report and asked that the fraud items be removed.
Product: Debt collection

This debt has been paid as of XX/XX/2019. The reporting is inaccurate, account should be closed and not in collections.
Product: Mortgage

in a letter from Pennymac dated XXXX/XXXX/2015 I was approved for a HAMP XXXX with Principal reduction Trial modification. My XXXX trial pmt was due and paid by XXXX/XXXX/15 my XXXX pmt was made on XXXX/XXXX/15 and my final trial payment was made on XXXX/XXXX/15. I have not received any permanent mod doc 's and no one at pennymac can tell me what the new terms are. 
Pennymac is in breach of the XXXX month trial agreement. 
They want meto make more trial pmts which is an unfair and deceptive ploy in order to partially collect on a debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked Experian to remove/delete outdating information in my credit file. I have submitted to them a copy of the report that they themselves have sent to me clearly indicating the first delinquency date of XXXX therefore making XXXX XXXX years and yet they continue to do nothing, continue to drag their feet and continue to clearly report inaccurate and outdated information which is a clear violation of the FCRA and FDCPA.
Product: Money transfer, virtual currency, or money service

I am having issues with TD bank they are letting people steal my money with no verification but when I want to transfer money they decline me fro using my money! Hold and wait times on the phone last forever I cant get ahold of anyone and this is absolute chaos. Very unprofessional and misleading.
Product: Credit reporting or other personal consumer reports

These overdue payments aren't in line with my consistent payment history.
Product: Debt collection

SEQUIUM ASSET SOLUTIONS, Did not provide me with written communication about this debt. Refused to send me a debt verification letter. Can not prove this debt belongs to me. Statute of limitations in California is 4 years. And the statute of limitation has expired.
Product: Credit reporting or other personal consumer reports

Victim of ID theft via the XXXX data breach.
Product: Credit reporting

I had a fraudulent account from XXXX reporting on my credit report that did not belong to me. I filed a CFPB complaint XXXX/XXXX/16, to which I got a response. I also filed a complaint with the credit bureaus. I was notified, via the CFPB response that XXXX will cease and desist all communication, and stop trying to collect the debt. They also said it was to be removed from my credit file. Which, it WAS removed from my credit file, however, it has been re-inserted AFTER being removed.
Product: Credit card

I am reporting a formal complaint against American Express XXXX for discriminating against during a recent credit extension application, specifically regarding the DELTA SKYMILES GOLD AMERICAN EXPRESS XXXX, in violation of federal laws and regulations enforceable by the Consumer Financial Protection Bureau ( CFPB ). 

American Express ' actions directly contravene the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), the Truth in Lending Act ( 15 USC 1666 ), and the Equal Credit Opportunity Act ( 15 USC 1691 ). These statutes aim to protect consumers from unfair adverse practices, ensuring transparency in credit transactions. I beleive American Express is prohibited from discriminating against me at least because I am a XXXX Veteran, XXXX, XXXX XXXX, on a fixed income, my marital status and certainly fraudulently misrepresented fact on my credit profile, furnished by scrupulous entities. I am in fact in the process of refuting these fact but most distiongly, XXXX consistently and blaintently disregards all concerns I have expressed about tis frequent inaccuracies published in breach of my privacy. The faith in and under the law as a protected consumer is severely breached through this credit violations. This in fact is not the first of its kind but I find big corporate entities such as American Express and XXXX find some preference in upholding barbaricism rather than the Laws simply by share reasoning of protected characteristics. 

According to the CFPB 's summary, credit discrimination encompasses various forms of unfair treatment, including the refusal of credit, discouragement from applying for credit, offering less favorable terms, such as higher interest rates, and account closure, based on factors such as race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or the exercise of rights under the XXXX XXXX XXXX XXXX. 

American Express XXXX 's discriminatory practices have unfairly impacted my ability to gain and benefit from credit naturally available to me and opportunities for the XXXX XXXX XXXX AMERICAN EXPRESS XXXX. this has hinders my ability to secure a future promising to my financialy security and interest via credit, on fair and unequal terms. These actions not only violate federal laws but also undermine the fundamental principles of fairness and equality in the credit market. I urge the Consumer Financial Protection Bureau to thoroughly investigate the allegations against American Express XXXX and take appropriate enforcement actions to ensure compliance with federal laws and regulations.
Product: Money transfer, virtual currency, or money service

I've tried all day to send money to XXXX and I keep getting " We've encountered an error. We were unable to process your request at this time. Please try again later. '' after uploading pictures of official identification ( driver 's license ). I called Moneygram and they said to try different browsers, which I did. I tried with XXXX, XXXX and XXXX. They also suggested I try the  XXXX  version of their service, which strangely was 2X the price of the Moneygram-proper site. 

As of yet, I have not been able to send money.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681i -procedure in case of disputed accuracy paragraph 2a prompt notice of dispute to furnish of information paragraph 5a treatment of inaccurate or unverifiable information 15 usc 1681s-2 responsibilities of furnishers of information to consumer reporting agencies paragraph 8e Duty of person after receiving notice of dispute 15 usc 1681b permissible purposes of consumer reports paragraph 2 in accordance with the written instructions of the consumer to whom it relates 15 usc 1681 Congressional findings and statement of purpose paragraph 4 there is a need that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy.
Product: Checking or savings account

XXXX XXXX paid me XXXX USD to this account XXXXdays ago, the payment was confirmed successful on their side, I have proof of transfer and tried to contact them numerous time but they can not help When I called they can not even provide me the information they just simply say they don't know
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

DEPT OF EDUCATIONXXXX XXXX  XXXX DEPT OF EDUCATIONXXXX XXXX XXXX
Product: Student loan

I received a 2 % percent raise at my job and my husband 's received an annual raise as well. Because of the increase in our income, we were denied a payment plan through Navient because we have disposable income ( {$300.00} a month ). We recently purchased a house so that we could invest in our future and move out of an apartment and were told that, regardless of our monthly rent payment becoming almost doubling for our mortgage, I was still told that they could n't help me lower my payment ( which equates to half of our mortgage ). The suggested that I have a bank buy out my loans and renegotiate my terms with them, which I have looked into. Most banks that I looked at had higher interest rates than my already high ones through Navient which seemed like a dead end to me. I was not asking for loan forgiveness, but simply to lower my payment so that we could have money each month both to save and to use for unexpected expenses.
Product: Credit reporting or other personal consumer reports

My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process.

Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act the following accounts have violated my rights : 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 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 consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of several credit inquiries and one fraudulent account from my credit report. I did not authorize these inquiries or the opening of the account listed below, and I assert that their presence is adversely affecting my credit score. 

Fraudulent Account : XXXX Date Opened : XX/XX/XXXX Unauthorized Credit Inquiries : XXXX. XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX ( Retailer ) XXXX. XXXX XXXX - XXXX XXXX, XXXX ( Finance ) XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX ( Bank ) XXXX. XXXX XXXX XX/XX/XXXX ( Bank ) XXXX. XXXX XXXX XXXX XX/XX/XXXX ( Finance ) XXXX. XXXX XXXX Bank - XX/XX/XXXX ( Bank ) XXXX. XXXX XXXX XXXX - XX/XX/XXXX ( Finance ) XXXX. XXXX Bank XXXX. - XX/XX/XXXX ( Bank ) XXXX. XXXX XXXX XXXX - XX/XX/XXXX ( Finance ) XXXX. XXXX XXXX via XXXX - XX/XX/XXXX ( Finance ) XXXX. XXXX Bank - XX/XX/XXXX XXXX. XXXX Bank - XX/XX/XXXX XXXX. XXXX Bank - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX These inquiries and the fraudulent account were made without my knowledge or consent. I insist on their immediate removal to prevent further damage to my credit rating.
Product: Money transfer, virtual currency, or money service

I have wired {$5000.00} USD to XXXX to make a deposit on XX/XX/XXXXXXXX XXXX, 2018. I have received confirmation from my bank at XXXX XXXX XXXX that the amount has left my account and sent to the recipient 's bank account at XXXX XXXX XXXX. XXXX claims the deposit should be credited to my XXXX account within 2-3 hours ... Coinbase claims it should be credited within 3-5 business days. However, I deposited to my XXXX account and regardless, it 's been over 3 business days. I have filed a support ticket with no response for 3 days, and have filed an escalation to no response as well. I have not received any reply from the parent company Coinbase or XXXX regarding this. A wire reversal has not even been issued. I just want my money back now. 

XXXX Case # XXXX
Product: Bank account or service

I got a second mortgage on my payed off home in XXXX from PNC to pay off a loan on a mobile home in XXXX. The home in XXXX is NOT part of the collateral for the XXXX mortgage on my home is XXXX which is valued at six times the value of the loan. The XXXX home was paid off in 2006. Instead of having my title for the mobile home sent to me PNC insisted to both the state of XXXX and XXXX bank that the title be sent to them. Now I can not get a title and I can not sell this home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX                           I DEMAND THIS INQUIRY BE REMOVED IMMEDIATELY  
Important dates
Inquiry date
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, credit repair services, or other personal consumer reports

There were fraudulent charges on this account, which I resolved with the bank. The account is reporting a late payment/ delinquent, which is incorrect information. I have always made my payments on time and this inaccurate information is NEGATIVELY affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has a credit on there from over 10 years ago. Each year they change the date to a current year, and its inaccurate, this charge is from 2007
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX  XXXX XXXX Opened : XX/XX/2017 Balance : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX SENT ME THE AFFIDAVIT THAT SO THAT I CAN GET THE INNACCURATE INFORMATION DELETED AND BLOKED FROM MY CREDIT REPORT AS A RESULT OF IDENTITY THEFT! 

I HAVE GOTTEN NO RESPONSE.