23daVinci/CFPB_Complaints huggingface dataset:
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. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and disappointment with the handling of my identity theft complaints by your bureau. This issue not only involves the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my situation. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly XXXX. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied upon to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

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

XXXX continues to call me re : XXXX XXXX Loans that were forgiven in XX/XX/2012 & they're reporting erroneous information to the credit bureaus.
Product: Money transfer, virtual currency, or money service

I am trying to verify my PNC account with this account so I may transfer funds and save money in this account. 
It seems I am unable to due to some rule you have in place. 
Is there a way to " allow '' this account access?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX shut my account down, and thousands of other customers down. Their customer service has been unreachable ever since. I've sent over 20 emails, and have called their phone number over 10 times and all that I get is an automated response to email them. When " XXXX XXXX '' calls you, they immediately hang up. It's being powered by robots and there are no human customer service representatives. My XXXX, and XXXX credit reports are now damaged, when this should not be the case at all. 

My bank even refunded me the funds they took out of my account, because even they deemed that this was completely unethical and they were not able to get in contact with the company. I've also filed a dispute with XXXX 

The account still shows as " open '' when it's closed. They also have inaccurately have reported me as late.I 've been begging and pleading with them to get in contact with a human representative but that isn't possible. I'm not quite sure if this will require legal action for this issue to get resolved, but I want this company removed off of all of my credit reports.
Product: Credit card or prepaid card

I placed an order of {$44.00} for shampoo from XXXX, which had exploded inside the box when it arrived. I took pictures of the damaged item and spoke to XXXX customer service about the issue. The customer service agent told me he could not refund me and that I had to contact my financial institution ( CITIBANK ). I took screenshots of my conservation with the XXXX customer service agent and started a dispute through CITIBANK to dispute this charge on XX/XX/2022. CITIBANK issued me a temporary credit of {$44.00} but later took it back on XX/XX/XXXX, saying that I was found responsible instead. I refused to accept this and appealed to dispute again. The CITIBANK customer service agent asked me to send the screenshots and pictures of the damaged item once again to the email she provided me ( XXXX ). She reassured me multiple times that they would never hold me responsible for this issue and that I would be getting my money back no matter what. After speaking with her, I sent an email with the requested information on XX/XX/2022. CITIBANK then informed me that they had completed the investigation and was " unable to resolve this dispute in my favor since I did not supply proof of damage ''. I called CITIBANK AGAIN on XX/XX/XXXX, and told them I did send them photo evidence as they had asked me to and they told me the dispute was closed at this point so there is nothing they could do to help me or reimburse me. I feel absolutely scammed and thoroughly disappointed by the lack of service I received. It has been 3 months since I initially opened this dispute with XXXX and CITIBANK failed to protect me financially as their customer and wasted my time for something that I was not responsible for at all.
Product: Student loan

I sent an email letting them know that I can't reach anyone. They have not replied. No one answers their phone. No one monitors their chat. It is impossible to adress an issue ( and I have one as I have discovered a mistake on my account ) because there is noone at Aidvantage to communicate with. It is a dead end, and all the while the issue goes unaddressed. They do not answer their phone during open hours of the day ( Moday XXXXXXXX XXXX XXXX, Tues-wed XXXXXXXX XXXX XXXX Thursday Friday XXXX XXXX XXXX XXXX XXXX 

I need someone from AidVantage to contact me asap.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I placed two trades of {$250.00} for two cryptocurrencies using Coinbase ( the app ) : {$250.00} of XXXX and {$250.00} of XXXX. There were issues with my purchase of one of the currencies, XXXX, as the app said the order failed multiple times. On my third try, the purchase was processed. 

The morning of XX/XX/XXXX, I noticed an extra, 3rd {$250.00} trade in XXXX was processed over night on XX/XX/XXXX. To be clear, I did not place this trade. 

I reached out to Coinbase via their online ticket system on XX/XX/XXXX, as they have no live phone support. As of XX/XX/XXXX, I still have not heard back from Coinbase support. I attempted to call and speak with a representative using the only way they say you can contact them - to freeze your account. 

My plan was to talk with a representative about the situation without my account being frozen. Unfortunately, support from Coinbase was still not a human being, my account is now frozen, and I still have no answer as to why an extra {$250.00} trade was placed in my ( now frozen ) account. 

I feel very frustrated by this entire situation. Coinbase made an erroneous trade, has not responded in over 1.5 months to my ticket, and now my account is frozen because I was hoping to finally talk to a person at Coinbase about this issue.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} ; XXXX XXXX XXXX XXXX  Balance : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was listed as an authorized user on a XXXX account. I didnt give permission. This account is not mine and should be reporting late on my credit report
Product: Credit reporting or other personal consumer reports

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently.

Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.

The following companies don't have permission or authorization to request my credit report : Inquiry detailsXX/XX/XXXXInquiry : XXXXXX/XX/XXXX XXXXXX/XX/XXXX Inquiry : XXXXXX/XX/XXXX Inquiry : XXXX. XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 3 credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened below. 

Account Name Account Number Amount Number Status XXXX XXXX XXXX XXXX {$520.00} Paid, Closed/Never late. 
XXXX XXXX XXXX {$240.00} Open/Never late. 
XXXX XXXX XXXX Secured Loan. Paid in settlement. {$300.00} written off. 
XXXX XXXX XXXX {$300.00} Paid, Closed/Never late. 
XXXX XXXX {$4900.00} Closed/Never late. 
XXXX XXXX Closed/Never late. {$0.00}
Product: Payday loan, title loan, or personal loan

Blue Trust loans is a complete scam. When I was approved, they quoted my interest rate at 15 % only to find out that it was 600 % after they sent me the loan documents a week later. I called today XX/XX/2020 to payoff the loan and it is more than the actual loan and they charge an early payoff fee.
Product: Credit card

I have had a Business Management Account with American Express since XX/XX/XXXX. That account was closed in XX/XX/XXXX-XX/XX/XXXX. I have no issue with that. However, all of my balance has been at the cash advance APR, while I have not taken a cash advance in the last 10+ years. Amex now claims that this was now due to a {$60.00} cash advance I took XX/XX/XXXX, but they are not sure. 
However, once I complained XXXX of my balance is now shown as cash advance and remaining balance at a lower limit which American Express ca n't explain. I have called American Express 15-20 times over the last 2 months to resolve this, and quite frankly Amex has no answer, they push me off to escalation who promises to call me back the next day. As of this writing, the representative has called me back once when the process started, I returned her call and have not heard from her since. It has gotten so bad that when I call her voice mail, I start off by saying " I sincerely hope you are ok ... ''. Her manager told me that she has returned my calls but ca n't say when - but I do have a receptionist and voice mail so this seems disingenuous. 
Amex went from being my card of choice to a company that I would n't wish on an enemy. I had XXXX platinum cards with them and I ca n't get the decency of a return phone call? 
Just a horrible customer experience.
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 Account XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Has violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

On the day of XX/XX/2023, I spoke with LVNV customer service and sent a letter asking for the following : -A validation letter containing a copy of the original contract with the original creditor with my signature. 
-A copy of the original payment history with the original creditor -I also asked for proof of how or when the debt assignment was purchased. 

After a 30-day waiting period, LVNV Funding llc failed to provide the following and ONLY enclosed a payment history and bill. 

Without my WET signature present, this debt is invalid. Its also illegal for them to collect something that was paid off by their company and consider it debt. Meaning the debt is no longer owed or valid. I called the company and notified them that I never received an actual validation letter within the 30 day period, and instead they gave me excuses and no actual answers. I was also never notified when my debt assignment was sold nor received information on how to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have noticed an account on my credit report with UAS/UVIRGINI. This account has been paid and closed. It has a balance of {$0.00} but the status is now showing 120 past due. I recently disputed this account information and the account is showing delinquent as of XX/XX/2019. This information is inaccurate and incorrect.
Product: Credit reporting or other personal consumer reports

I have submitted a list of fraudulent, identity theft related individual monetary charges that were on my own credit card accounts somehow, fraudulent charges that ARE NOT MINE, and have ALSO been completely DISMISSED in Massachusetts Courts over XXXX months ago, and yet these fraudulent charges have not yet been overturned and removed from credit bureau reporting?? XXXX XXXX is still ruining my credit by reporting fraudulent identity theft related debt totals that are INCORRECT, and debts that were dismissed in court long ago?? These fraudulent individual charges need to be overturned, and the credit bureau reporting corrected, or removed entirely. The courts already ruled on this, and removal or correction of the incorrect debt totals, that is what IS REQUIRED to comply with XXXX and XXXX XXXX XXXX consumer protection laws. These accounts had thousands of dollars of fraudulent charges, ( see the long list of fraudulent charges in this package ) AND the debts were already charged off over XXXX years ago, PLUS the accounts and litigation have already been adjudicated and dismissed by the courts long ago. as of early XXXX While the original accounts were originally mine, due identity theft and fraudulent charges, The debt " TOTALS '' are NOT correct. ALSO, as these accounts were already dismissed in court, and I was found NOT LIABLE for them. This incorrect info needs to be corrected or removed entirely, please.
Product: Student loan

MOHELA continues to cancel my autopay ( 3 times now ), which increases my interest rate 0.25 %. They claim that my bank issues a stop notice after the autopay has been drafted. My bank has no record of these " notices '' claimed by MOHELA, and MOHELA has refused to provide proof of the claimed notices. Again I continue to pay from the same account on single payments with no issue after my autopay is cancelled, and the next month my autopay works after I re-signup for autopay which is then cancelled after payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED WITH THE FTC, I HAVE WRITTEN ALL THREE BUREAUS, INCLUDING XXXX ... ... ... ..
Product: Debt collection

Didnt receive prior notice of my right to Dispute this debt that is not owed as required by the law at least five days prior to a debt being added to my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer Equifax credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a phone bill account opened at XXXX on XX/XX/XXXX under account number XXXX  ; a credit card account opened at Portfolio Recovery XXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card account opened at Security Credit XXXX XXXX XX/XX/XXXX under account number XXXX  ; a credit card opened at XXXX Bank XXXX XX/XX/XXXX under the account number XXXX  ; a credit card opened at XXXX Card XXXX XXXX XX/XX/XXXX under the account number XXXX  ; a credit card opened at XXXX Federal XXXX XXXX XX/XX/XXXX under the account number XXXX  ; a credit card opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX ; another credit card opened at XXXX Federal XXXX XXXX XX/XX/XXXX under the account number XXXX  ; a credit card opened at XXXX - XXXX on XX/XX/XXXX under the account number XXXX XXXX a credit card opened at XXXX Bank XXXX XX/XX/XXXX under the account number XXXX ; a credit card opened at XXXX Federal XXXX XXXX XX/XX/XXXX under the account number XXXX ; and a credit card opened at XXXX XXXX - XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer credit report, including inquiries from XXXX XXXX XXXX  on XX/XX/XXXX, Ally Financial on XX/XX/XXXX, and XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws.
Product: Credit card or prepaid card

I received a text message from XXXX ( XXXX ) XXXX on Friday XX/XX/XXXX, XXXX XXXX PST sent to my cell phone number XXXX ( XXXX ) XXXX The text message stated : FreeMsg : Synchrony Fraud Dept. Did you attempt {$560.00} at WALMRT SPRCNTR * XXXX   with card ending in XXXX YES or NO Case XXXX To Opt Out reply STOP I replied NO then STOP in a separate message. I then received a phone call from this number. The representative did not introduce themselves or ask for my name or have any of my information. I told them I am not a member of Synchrony bank and this was sent to me in error. I hung up. The man called me again form the same number and told me that this misunderstanding happens sometimes and he just needed more information to deny the claim. I then hung up. 

When I called Synchrony Bank on XX/XX/2020 and spoke to their Fraud department, they informed me I did have a closed account from years ago with Synchrony Bank but it did not end in XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I paid a principal payment of {$500.00}. My regular monthly payment is due on the first of each month. I have the payment of {$160.00} automatically withdrawn and the loan is current. My complaint is that Best Egg only paid {$440.00} off my principal and took {$59.00} out in interest. The CSR stated that if I wanted to make a principal payment I should do it the day after the regular payment is due. Is this a correct calculation of a principal payment make later in the month as opposed to later in the month? 
Please advise is this is a best practices consumer loan practice. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently a victim of identity theft which is why I filed a police report with the XXXX XXXX police department as well as a FTC report. I did not authorize these inquiries to be placed on my credit. I never wanted to apply for auto loan with these companies please remove them immediately off my credit report.
Product: Credit reporting

After reviewing my credit report TransUnion had a Lien on my credit report that has been release. I have not file a formal dispute with TransUnion instead I wanted to file a case. So, I am uploading my information into the CFPB. This Lien should have been removed from my credit report once the release was recorded.
Product: Student loan

I had defaulted on one student loan with the Higher Education Student Assistance Authority in XXXX but have consistently made a loan payment to them for over 8 months. However, on XX/XX/XXXX, I filed chapter XXXX in the state of NJ, docket # XXXX and I am currently under protection of the automatic stay but I continued to make a payment of {$120.00} in the month of XXXX but did not for XX/XX/XXXX because I had no obligation to as a result of the chapter XXXX filing. I called HESAA several times and gave them the docket filing number, I also faxed them proof of filing twice and I also emailed them. They consistently deny being notified by myself and the bankruptcy court of the filing though the phone conversations where I state this fact are recorded with each call. On XX/XX/XXXX, I received a letter from HESAA from XXXX XXXX that they have cancelled my repayment arrangement which has been in place up until I filed chapter XXXX, I made a promised payment every month and they are choosing to violate the automatic stay and cancel my repayment arrangement which was in place prior to filing chapter XXXX. They are in violation of the automatic bankruptcy stay in pursuing collection activity against me and cancelling my repayment arrangement prior to the chapter XXXX discharge though I also told them I would be resuming payments after the discharge occurs.