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

A long story short, when I entered university at the age of XXXX, financing school was difficult because I was a minor. My parents participated in the a program prior to me graduating high school to front the cost but still needed to take out a Parent Plus loan. All other schooling was for paid out of pocket. Never did I physically sign a document at XXXX binding myself to a loan, mainly because that is illegal. Last XXXX, I ran across an email from Nelnet stating my student loans were kicking in. Honestly, never took out a loan and thought it was a scam. I ended up contacting the company on multiple occasions to discuss this discrepancy. I not only reached out to Nelnet but I also contacted XXXX XXXX XXXX. I spoke to a handful of people and requested a mater promissory note from both institutions. Nelnet finally sent me the note via emails on XX/XX/XXXX. I am still waiting for documentation from XXXX XXXX. Even with the documentation, I was under the age when the loan was taken out in my name. It should not be in my name and it should not show up on the credit report at all since the institutions were difficult.
Product: Vehicle loan or lease

I bought a XX/XX/2012 XXXX XXXX from XXXX and it turns out that it was a lemon. The transmission is slipping and my car shudders. The more I look into the issue the more it seems like XXXX should have told me that this would be an issue. Also I am being charged >24 % interest on the vehicle, is that legal? I purchased the car alone and I feel like I was taken advantage of.
Product: Debt collection

Contacted by Genesis representative XXXX XXXX on XX/XX/18 after Ive previously informed Genesis of my request for XXXX. XXXX showed no regard for my request and repeatedly insulted me stating over and over that Im trying to get out of my responsibilities and theyre not going to cut me a deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT MANY LETTERS TO THIS COMPANY AND THEY HAVE NOT RESPONDED. 

I AM A VICTIM OF IDENTITY THEFT. AND EQUIFAX HAS MUTIPLE FRAUDLENT COLLECTIONS ATTACHED TO MY ACCOUNT WHICH ARE NOT MINE. 

PLEASE REMOVE AND BLOCK THE FOLLOWING ACCOUNTS : 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 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
Product: Student loan

I was suddenly XXXX in the summer of XXXX resulting in the sudden loss of my home where my bills for my student loans were sent. As soon as I was able to contact family I was able to get my loan back to current and have not missed a payment since. This negative hit from being unable to pay is currently the only missed payment on my credit report and is greatly effecting my score and therefor my ability to get a decent rate on a mortgage. The missed payment is detailed as XXXX XXXX through Navient
Product: Money transfer, virtual currency, or money service

I mistakenly sent XXXX ETH to the wrong address using a throwaway address and contacted Coinbase for assistance. Instead of resolving the issue, Coinbase closed my original account without crediting my funds. When I reached out again, they assured me the funds would be credited if I created a new account. 

I followed their instructions and created a new account, but Coinbase immediately closed it without explanation. They then informed me I was not eligible for the credit, directly contradicting their prior assurance. 

Despite my repeated attempts to seek clarity and resolution, Coinbase has failed to provide a valid explanation for their actions or their failure to credit my funds as promised. Their handling of this matter has been misleading, inconsistent, and deeply frustrating, leaving me without access to the XXXX ETH that is rightfully mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX, I have been dealing with an issue with AMEX and XXXX for a long time now, over 2 years. I paid an AMEX bill, and settled with them. You can contact AMEX, I have letters from AMEX showing I paid it. I even did a loan process and had to provide documents I paid this account off. The account number that I have because it was such a long time ago is XXXX. AMEX is telling me with XXXX I have some type of freeze or my credit etc. and they can not update my credit report to show I have paid and settled. This has ruined my credit since 2019. I keep contacting XXXX, they are stating I do not have a freeze on my report. I downloaded the app, paid for the service to unlock my credit report, still not working. I have given up on calling AMEX. I have paid many items that went into collections a while back, I paid, and settled, and all of them updated my credit report. AMEX Is stating they can not. I have no idea what is going on. AMEX has ruined my credit for many years now. I can not do anything about it. I have proof I have paid them. AMEX knows I paid them, but some how they can not update my credit report because of a freeze. There is no freeze on my credit. The balance is showing {$4000.00} but I settled. Two years ago when I filled my taxes, AMEX sent me a document to show the charge off, I had to taxes on that as well. This DEBT needs to be updated on my credit report to show settled in full, NOT UNPAID WHICH IS RUINING MY CREDIT. I am so frustrated with this. no one is helping me.
Product: Student loan

I filed a complaint on XXXX XXXX XXXX XXXX Interim response was provided by the company to the CFPB on XXXX advising that they needed additional time and would provide a final response within 60 days of the date the CFPB sent the complaint ( XXXX ). As of XXXX a final response has still not been provided.
Product: Payday loan, title loan, or personal loan

Filed account in my chapter XXXX bankruptcy. Account still reporting as open with XXXX. & Is reporting correctly with XXXX. Please make sure all 3 bureaus are accurate
Product: Mortgage

Litton loan filed XXXX for closures with false documents, charged me fees that were subject to HUD section 8 violations, failed to apply payments in a timely manor, and charged fees for late payments, in spite of receiving certified bank checks, sent registered mail, and mis applied payments, falseified my credit history and payment history, filed fraudulent legal documents that were later to found forged
Product: Debt collection

I filed a dispute of information on my Credit Report through XXXX. 

IC System, Inc listed several 'aliases ' on my credit report that were misspellings of my name, and an incorrect address. My name is XXXX XXXX XXXX. 

IC System, Inc placed several incorrect names as aliases on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX. Those three names were " updated '' by IC Systems per a dispute I filed by phone, and just switched back to my real name. Obviously, these are different names and not 'aliases. ' They have not yet removed the other aliases they've added : XXXX XXXX, XXXX XXXX. 

I was not able to dispute some absurd, incorrect spellings of my names and wrong addresses on my credit report online through XXXX, and they say I am required to contact the collection agency to do so. This is despite the fact that the names and addresses are clearly not mine. 

IC Systems, per the dispute, 'updated ' the three improper names they placed on my report by simply rendering my correct name instead. But they did not remove the improper address they placed on my report and instead 'Verified it as accurate. ' And at the same time, they proceeded to " verify '' the debt they placed on my credit report associated with that address. 

It makes no sense that IC Systems would 'add ' several aliases to my credit report and 'update ' those, but not correct a wrong address and debt. I have never lived in Texas, nor do I have debts associated there..
Product: Credit reporting or other personal consumer reports

n 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 card

I am submitting this complaint regarding Bank of America 's handling of my dispute requests. XXXX XXXX XXXX team has advised me to call customer support to initiate my disputes. However, I have already attempted this multiple times without success. The support agents have repeatedly misled me by claiming to initiate disputes when they have not, and they continuously transfer me between agents until I run out of time. 

Additionally, I prefer that XXXX XXXXXXXX XXXX team handle my disputes, as they have provided consistent outcomes in the past. When I initiate disputes through customer support, I often receive inconsistent results, with some disputes being accepted and others declined without any clear explanation. This lack of transparency and consistency is highly concerning. I have attached documents listing the charges I wish to dispute for reference. 

Furthermore, XXXX XXXXXXXX XXXX team only provides a phone number to contact the support agent assigned to my case. These phone numbers have never worked for me, and I have repeatedly requested an email contact instead. I ask that this request not be ignored once again, as effective communication is essential for resolving my case.
Product: Checking or savings account

Om XXXX I made an ATM deposit of {$500.00} through Fifth third bank. I received an error message asking me to type in how much I deposited. I typed in {$500.00} and did not receive any type of receipt or anything just a number to call. I called them right away to let them know that the atm took my money and then gave me an error code. They told me they would open up a claim and let me know in 45 days the outcome?! The next morning they gave me a provisional credit of {$500.00}. Today, on XX/XX/2022 I wake up and find my account in the negative! I immediately called the bank to see what was going on! They told me they rejected my claim because the atm machine was not over in there count for that day! I am livid. There are cameras all over that ATM machine that can clearly see me depositing the money. They tell me the only thing they can do is reopen the claim and have another " investigator '' look into it! This is the worst bank I have ever in my life dealt with. Now I have to wait another 30 days while they investigate and now my account is in the negative! I have been robbed and it's my word against them since they can't bother to look at the cameras!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despot using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX 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 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. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bueros to do a verification on my credit report and they stated they did and everything was accurate. I also did thorough research as well and found improper inaccuracies on my credit report even after they did their verification and stated everything was accurate. 

XXXXXXXX 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 XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting Act, these companies have violated my rights.

15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1691 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Product: Credit reporting, credit repair services, or other personal consumer reports

2 weeks ago I submitted a dispute through Equifax about XXXX XXXX XXXX XXXX. This company is reporting the same account, 3 seperate times on my credit reports! The 3 accounts reflect conflicting open dates, closed dates and amounts! As well as " last date of payment '' showing in XX/XX/XXXX. I've never owned a car ever for 5 years or have had the financial means to keep one that long. The car was voluntarily repossessed in XX/XX/XXXX, 2 months after getting the car the engine blew a Head! From XX/XX/XXXX to XX/XX/XXXX I drove a truck OTR and used relatives cars! In XX/XX/XXXX I got a car through XXXX XXXX, so it's easily understood I wouldn't be making 2 car payments! This creditor ( XXXX XXXX XXXX XXXX  ) has charged off the account years ago, and as my reports clearly show the convincing discrepancies, inconsistent reporting eras, and all factors that violate my rights, plus the length of reporting ... I can't see why Equifax keeps denying removal of these accounts!
Product: Mortgage

On XX/XX/XXXX I received a letter stating I was to receive a refund if my escrow account of {$2400.00}. I have always made my payment within the month due. If you pay your payment on a weekend, 5/3 Bank does not recognize it until their next business day, so the date you actually make your payment is NOT correct! Fraudulent! They state on invoices I am behind on my payment which I am NOT and therefore refuse to give me my escrow refund of {$2400.00}! 
I want my money immediately. Their customer service is like talking to a brick wall. No help at all. They state per my statement I owe {$6300.00} and I only owe My XXXX payment of {$2700.00}!
Product: Debt collection

stated to REMEX this is a HIPAA violation and the debt is not mine, i was even willing to pay the debt it if it would be deleted from my credit report ( only on XXXX and XXXX ) XXXX deleted it in XXXX, i was told no the would not deleted even if paid {$370.00}, told cedit bureau several times this not my debt and this is illegal to report this inaccurate information on my reports debt is from XXXX but relisted on my report as new account in XXXX
Product: Payday loan, title loan, or personal loan

I have two loans with this company, Upstart. The loan numbers are as followed : XXXX and XXXX. I called in last month to dispute a payment that had not been made because my email address changed and I did not receive notification - once on the phone I made the payment. However, the creditor still proceeded to add a late payment to my file. Also, on XX/XX/XXXX I requested a hardship assistance- to which they said I would receive documents in the mail - the documents were never sent. Then I called in today to find out they are saying that payments are past due even though I requested a hardship ( which they clearly did not document. Also, I request that they update my email ( which they clearly have not done either ). Furthermore, their representatives constantly hang up the phone and make it difficult to achieve assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Granite State Management ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX. GA XXXX DOB : XX/XX/XXXX SSN : XXXX Acct # XXXX This letter serves as my explicit instruction and written notice. 

This account is a billing error. A creditor that fails to comply with the requirements outlined in the Fair Credit Billing Act forfeits any right to collect from the obligor. 

This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 defines a finance charge. I respectfully request your company provide me with documentary evidence that clarifies this billing error. 

What authority do you have to collect debt in the United States? 

I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states Consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. In accordance with regulation Z, you can be fined up to {$5000.00} for giving false and inaccurate information as well as not providing the consumer with proper and respective disclosures. 

I have reason to believe your financial institution is violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I do not consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in XXXX XXXX XXXX XXXX XXXX. XXXX. 

Furnishing false credit information to a nonaffiliated third party as a means of coercing payment on an extension of credit constitutes racketeering activity. Furnishing late payments is your institutions policy. Your companys policy does not supersede federal law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm. 

I am keeping a careful record of all correspondenceor lack thereofmade via mail, telephone, and other means of communication. Your response must be provided within the allotted threshold for this communication. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has dropped my credit score XXXX points in one month without any adverse impacts showing in my report. 
In addition there is an account that has an incorrect balance. Whenever I have a XXXX balance for a year or more and use even once, the balance is reported inaccurately. I have never been late on this account.
Product: Credit reporting or other personal consumer reports

Theres old phone numbers, addresses and work history. I have sent letters and disputes online. Transunion, XXXX and XXXX
Product: Checking or savings account

XXXX and XXXX XXXX  I am making a complaint against First Citizen 's Bank for their discriminatory practices and policies against the Constitution for the united states of America whereas First Citizen 's Bank iXXXX XXXX XXXX South Carolina violated the unalienable rights of the XXXX  by requiring the XXXX  to produce documentation from a source other than the XXXX  itself to prove the XXXX  was a non 501 ( c ) ( 3 ) or any other non 501, or non government regulated entity. In this way First Citizen 's Bank breached the self governance of the XXXX. XXXX Citizen 's Bank ( FCB ) assistant vice president XXXX XXXX decided that he felt uncomfortable about opening an account on behalf of the XXXX articulating his suspicions that ( XXXX ) the XXXX 's address was improper due to its physical location and ( XXXX ) the XXXX had not provided " proper 508 ( c ) ( 1 ) ( a ) documentation to his satisfaction. These actions concomitant questions here are ( XXXX ) did the agent ( XXXX XXXX ) determine the business address of the XXXX was fraudulent or in violation of FCB 's policy for business addresses? ( 2 ) did the agent determine that all the documentation presented along with the XXXX 's authorized representatives ' statements were fraudulent, insufficient, or improper? If the answer is yes to any of these questions then why did the agent fail to produce evidence to support such determinations? 
These actions have resulted in the fundamental rights of the XXXX being violated by FCB through its agent XXXX XXXX, as well as loss of cash/capital donations. We seek to have these issues addressed and resolved immediately. 
We have reached out to FCB to file a complaint since that date on XX/XX/year> we did hear from a guy named XXXX XXXX but nothing with helping open a church account ... thank you. .FIRST CITIZENS BANK XXXX XXXX  XXXX XXXX XXXX SC XXXX
Product: Debt collection

Eastern account systems did not disclose that they were a debt collector they called my husband and stated that they were charter cable and for him to make a false statement. I have a false report from charter on my credit report and have been fighting this for a few years now trying to get them to remove it. They got him to set up payments thinking that he was paying for out cable TV I have now been calling them for a week now with no response from them and they continue to draft my bank account. They are not disclosing themselves as a debt collector they only stressed that they were from charter. They have now taken over XXXX from my bank account in less than 2 weeks this is ludicrous and I want my money back and for them to remove my credit bureau report that is false since I have never had them up until a few months ago. Please help me thanks.