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

In accordance with the Fair Credit Reporting act XXXX account # XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XXXX, XXXX XXXX XXXXXXXX - 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
Product: Credit reporting or other personal consumer reports

Ed Financial reported missed student loan payments on my credit report for a time period when they were not my student loan servicer ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

My loans were with XXXX during this time period. XXXX is not reporting missed payments on XXXX or XXXX. When my loans transferred, these missed payments populated on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan at First Credit in Florence and I have XXXX XXXX app on my phone which allows me to get alerts. This company ran my credit in XXXX for no apparent reason and I didnt give them permission. It was used because I wasnt answering my phone while at work so they took upon themselves to run my credit. Same thing happened to my Husband XXXX XXXX but they ran his 3 times within 5 months and this is not right
Product: Credit card or prepaid card

I discovered this morning that Synchrony Bank closed ALL of my accounts with them, regardless of length of account or the status of the account. None of the accounts were in default and I have a 100 % clean payment history across all of my credit accounts including those with Synchrony Bank. My accounts closed include : Care CreditXXXX XXXX XXXX, XXXX, PayPal Credit and Lowes. I asked why my accounts were closed and the only reason they would give is based on my XXXX credit report. I immediately checked my credit report and there is nothing changed on it. I have a 100 % clean payment history, no accounts in default and no collections. I even recently paid off two loans, one personal and one car loan. There is nothing negative in my credit file at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act World Finance Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 I also state a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : a creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Wells Fargo Home Mortgage. I have XXXX loans. 
I had XXXX, lost my job and have long haul effects. I regained part time work. 

Tried working with Wells Fargo Home Mortgage to seek a modification. After working with them for 5 months, completing, sending, faxing, scanning everything requested it was a virtual black hole of needless hours on the phone, email, text messages only to be TURNED DOWN.

I am a retired senior on limited income. Typical BATE AND SWITCH TACKETTS, TO APPLY FOR MODIFICATIONS, TRYING TO GET ME TO OPEN UP CHECKING ACCOUNTS, ETC FOR FEES. 

THIS IS THE WORST LARGE BANK IN THE COUNTRY.
Product: Money transfer, virtual currency, or money service

Western union investigated me and made the decision to not allow me to send money to my cousin for my son while hes on vacation with FAMILY! I have used them once before but now they are providing no service so again I ask why do establishments like western union exist if they can provide no service? Please help Understanding there is a lot of fraud, however, with inadequately trained staff its like rolling the dice.
Product: Debt collection

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. 


Account Name : LENDMARK FINANCIAL SER Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report.
Product: Credit card or prepaid card

Good evening, I was looking for a business that will give me finical and time freedom for me and my XXXX boys because I am about to get divorce with my husband. I saw the XXXX XXXX XXXX advertisement by XXXX kinked all over social media and I got encouraged to try it. I schedule a call to register the course with Student manageXXXX XXXX and we meet at XXXX XX/XX/2022, and I join the course by paying half amount {$3500.00}. The course take 6 months and it cost {$7000.00}. After I took the course around XXXX weeks, I realize it so expensive, and it does not meet the quality for the price that I paid for. My friend told me he found other course very cheaper that has similar content. For the sake of saving money, I decided to cancel the course. I only took the introduction module for XXXX weeks and I ask XXXX, student manager to give me refund since I did not satisfy with the course. I even willing to pay for the XXXX weeks service I got but she refused because I signed a contract. when I signed the electronical signature, I didnt know it was contract, but I remember I asked her before I sign if I have to read it carefully, but she said I dont have to. After she refused to refund the money, I dispute the transaction to my financial institution. The dispute took 6 months, but it didn't work out and they took my money XX/XX/2022. I asked my bank if I can appeal the case and they told me it is final decision and recommend me to solve the situation with the merchant since I signed the documents. I immediately sent an email and text massage to the student manager since they took my money, I told her I went to continue the course but no answer. I also contact the company owner, XXXX XXXX through XXXX if they let me continue the course but no response. I also want to tell you that, the course was locked during the dispute process, and I cant even be able to access it.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. Please remove these accounts from my credit report they are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

After repeated requests not to do this because my U.S.P.S. mail is not secure, Equifax, sent me a credit file :  XXXX   XXXX ,  2017  ; Confirmation :  XXXX  with ALL my private information fully exposed : name, social security, date of birth and home address. I complained about this issue but Equifax seemed to care less, therefore, I am forced to complain to CFPB to make sure it never happens again. This is a very serious issue when every major financial institution know otherwise including   XXXX   and  XXXX , Equifax does the exact opposite. This kind of reckless behavior is why financial c rimes against U.S. consumers are on the uptick.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

On XX/XX/2020 i checked my credit report and noticed a debt on my account i dont know who they are nor do i have any affiliations with them nor any of there party i never signed a contract with them verbally nor electronically
Product: Vehicle loan or lease

On XX/XX/XXXX and XX/XX/XXXX I contacted capital one bank to try and get a lower interest rate or to see if I was able to refinance for a lower payment and they said no my loan does not qualify for anything other than payment deferments now I owe {$1100.00} at the end if my loan maturity date because I gave deffered two payments already I have lost my job in XXXX of XXXX and still waiting for pua benefits I can not find another job due to medical reasons my family is getting sick of helping me keep my vehicle
Product: Debt collection

This company is violating my rights they have not provided valid

ation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made previous attempts to fix these issues directly with them and they're violating
my rights.I 'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) acct : # XXXX, XXXX XXXX acct : # XXXX, XXXXXXXX XXXX XXXXXXXX acct : # XXXX XXXX  acct : # XXXX, XXXX  acct : # XXXX, XXXX acct : # XXXX, XXXX XXXX  acct : # XXXX, XXXXXXXX XXXX acct : # XXXX, XXXX XXXX acct : # XXXX, XXXX acct : # XXXX, XXXX acct : # XXXX, XXXXXXXX XXXX  acct : # XXXX, XXXX XXXX XXXX, acct : # XXXX XXXX XXXX XXXX  XXXX, acct : # XXXX , XXXX XXXX XXXX acct : # XXXX, acct : # XXXX XXXX XXXX acct : # XXXX, XXXX acct : XXXX XXXX. Personal information : XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. 

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.
Product: Credit card or prepaid card

A credit card through Kohl 's Department Store ( XXXX ) was fraudulently opened in my name on or about XX/XX/2022.
Product: Debt collection

I have received 2 letters from this company threatening to sue me. They are sending fake letters to look like court documents. They are also contacting me at work and calling friends. They do not tell you what the debt is. After reviewing the company online it looks as if this is their scare tacit to try in collect money they can not provide proof they own this debt if in fact there is debt owed.
Product: Debt collection

Previous student of XXXX XXXX XXXX XXXX in XXXX XXXX, OH. Majority of the students I was enrolled with decided to transfer out such as XXXX and XXXX. I do have their last names and contact info because the same thing happened to them! We all know that there was a pandemic last year. I also had a XXXX last year. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That school is aware of the economy and the fact that a lot of people had a hard time with daycares being closed, cut back on work hours, etc. I informed them via email which I have all of my emails, that I could not afford the {$220.00} a month. I did plan to return and had just passed the last set of classes. I withdrew due to my health issues and also due to the hardship from the pandemic. I was told I could reenroll so that I could finish. I was then contacted by someone saying I had to pay XXXX up front! I only owed them about 8 months x {$220.00} if i did want to re-enroll. I reached out to the credit company which they sent my account to. I asked the school for a thorough breakdown of the fees and to show what payments I did make and what fed aide they kept! They did not do it. Instead they sent me an old ledger and had the credit collection company to send me the same thing. They should not be allowed to do this. This is why XXXX was closed down. I was looking to return. The creditor sent me a letter not explaining anything but saying submit payment in full which is over {$7000.00}. They do not have their numbers right and the school is getting over on too many people!
Product: Payday loan, title loan, personal loan, or advance loan

A loan was taken out with Affirm, to purchase an item on XXXX. The sale of the item, was cancelled by XXXX, as the seller could not fulfill the order. XXXX sent an email stating, the sale had been cancelled and the full amount of the item was refunded back to Affirm. I opened a disputed with Affirm, because they were showing the loan was still active, even though, the item was cancelled by XXXX, and full amount refunded. I have reached out to Affirm, every other day since XX/XX/XXXX, in regards to this matter, and they are refusing to do anything about it. I provided Affirm with XXXX different documents, proving and verifying the sale was cancelled and full amount refunded. They are refusing to resolve this issue. They also stated, if the dispute is not resolved in 30 days, any payments with be sent to collections, but I can not make any payments, because the loan is frozen due to the dispute. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 ( A ) 2 ( a ) ( 1 ) clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Allowing transactions and experiences between XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX and my self, the consumer to be be furnished on MY CONSUMER REPORT is a directly violation of what the law states should be excluded from my consumer report. This continuous violation by your company is keeping my consumer report from being equitable to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In ccordance with the Fair Credit Reporting act.. XXXX  Account.XXXX  XXXX BANKRUPTCY # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 repoeting agency can not furnish a account without my written instructions.
Product: Debt collection

This company picked up fraudulent debt from another debt collection agency that we had already proved we didn't owe the money too. We do not believe we ever owed this debt, but even if somehow mysteriously we did it would have been taken care of in our bankruptcy. We have asked the company to provide documentation that this debt is really ours and they have not. They also told us to just dispute it which has done nothing for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to file a online dispute several times with Equifax. I have called them and then they said they could not verify my identity. I am so frustrated at this point and cant take it anymore. XXXX had a simple dispute process thru XXXX XXXX and it was taken care of right away. I attempted the same with Equifax and had a horrendous experience!!!!! Equifax is terrible!
Product: Credit reporting or other personal consumer reports

This company is violating my rights they have not provided Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report. I have made previous attempts to fix these issues directly with them. I would like for these accounts to be deleted ASAP
Product: Credit reporting or other personal consumer reports

Ive reached out to Experian, XXXX XXXX and XXXX and ask them to remove addresses that were not mine to remove credit cards that were opened with those addresses and to remove inquiries that were put on my credit report with those addresses and it keeps on being denied.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ). Specifically, cash app failed to take the timely and effective measures to prevent and adress 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 ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek the appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Account closed with amounts and dates I have no access they stated my bank wasnt supported
Product: Credit reporting or other personal consumer reports

The issue is during when XXXX was servicing the Loan. See attached file. 

You are in violation of the law! 

As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, you are not allowed to propagate misleading information. Currently XXXX is knowingly making false and misleading statements about my student loan debt. 

As per the XXXX Emergency Relief and Student Loan guidance from the Department of Education ; all Department of Education owned loans are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. XXXX ) and invocation of the Higher Education Relief Opportunities for Students Act of 2003 ( HEROES Act ). Based on these acts the Department of Education put for the following policies : Accrual of interest on ED-held student loans and certain non-ED-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. 
ED-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for Public Service Loan Forgiveness ( PSLF ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the nine voluntary payments required for individuals to rehabilitate their defaulted loans. 
Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on ED-held student loans for XX/XX/XXXX, through XX/XX/XXXX. 
Multiple rules related to the 120 monthly payments required to qualify for PSLF were waived.

A one-time revision was made to the accounts of borrowers with ED-held loans to provide credit toward the IDR plan maximum repayment period for any months in which they were in repayment status and for specified periods of deferment or forbearance.

My Navient student loans were owned by the Department of Education ( proven by the Department of Education TDU approval ). As per court order ( CFPB vs XXXX XXXX ) XXXX has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. XXXX is no longer responding to my verification requests. 

XXXX is still responsible for removing incorrect and inaccurate reporting information on my credit report, in accordance with federal law and the FDCPA. 

As per CARES Act and HEROS Act any and all XXXX late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. Any and All late payment information from that time period needs to be removed immediately.
Product: Credit card or prepaid card

I opened Credit care with Pay Pal  on XX/XX/2020. It was approved for XXXX $ line of credit. With this inquiry and another one my score dropped. By the start of XXXX, I checked my credit report and it showed my limit on this card is only XXXX initial approved. After seeing that I called the customer service on their number and none of the representatives/agents could tell me what is the reason and instead of helping they became unprofessional and kept transferring me to the supervisors. Eventually, the supervisor couldn't even help and I asked ( not confirmed ) to close my account in the middle of this conversation I got disconnected by the representative and now today I got a notification from credit bureaus that my account is closed. 

This is just the one-credit service same happened with XXXX credit cards ( XXXX XXXX & XXXX XXXX XXXX XXXX ) where they decreased my limit from XXXX to XXXX and XXXX to XXXX respectively that is in the event of the decrease in my limit on pay pal. 

All of this impacted my score so badly and further led to a cascade of events that led to financial crises. This has increased my Debit Ratio. I can't be approved for house loans that I was about to apply for. Also, with the account closure, my payments have been rejected that led to further credit unworthiness. This is unreliable and unprofessional on the credit provider 's part.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX, LVNV, and XXXX XXXX have my accounts and I contacted them several times and still have not received any response. It's been a lot longer than 30 days and go as far back as XX/XX/year>. I reached out every month.I never gave any permissions for the accounts to be sold. They are also showing Open and Collection. From my understanding this is incorrect. I want these items off of my report.
Product: Credit card

I paid {$160.00} to a XXXX XXXX XXXX  for a apartment application, the application was denied and my money was suppose to be returned in XXXX of 2024, this is XXXX and I have not received my money back from this company, so I disputed the transaction because the management company clearly took my money, and chime denied my dispute. The dispute claim number is # XXXX