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

XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company.

Inquiry was made on XX/XX/XXXX by XXXX XXXX XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC XXXX. FCRA XXXX ( 15 U.S.C. XXXX ) FCRA XXXX ( b ) Block ACCOUNTS : XXXX XXXX XXXX Original creditor : XXXX - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - Account number - XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Removed From XXXX XX/XX/XXXX Original creditor XXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C XXXX Section XXXX A . State I have the right to privacy. 
15 U.S.C XXXX Section XXXX A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( 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 XXXX ( 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 in accurate. 
15 USC XXXX 15 USC XXXX 15 USC XXXX XXXX 15 USC XXXX 15 USC XXXX 15 USC XXXX 15 USC XXXX 15 USC XXXX 15 USC XXXX - 15 USC XXXX 15 USC XXXX 15 USC XXXX XXXX 15 U.S. CODE XXXX 15 USC XXXX XXXX XXXX ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive repeatedly disputed the validity of debts from XXXX for {$59.00} and XXXX XXXX for ~ {$9000.00} with all three major credit reporting agencies with only temporary success because while neither company has adequately verified the validity of the debts within the allotted 30 days, neither debt has been removed from my reports. In fact, XXXX keeps reselling the debt even though their own records show that they continued to bill me after they verified that they could not provide services to my location. XXXX XXXX debt was usury in nature. The originator refused payment of the original debt from the US Dept of Vet Affairs which intervened to prevent eviction within a month after an unplanned job loss. The originator of the debt then tripled the fees and sent the item to collection. Ive repeatedly disputed these items since XXXX 2017 but they keep reappearing after brief removal.
Product: Credit card

On XX/XX/2023 I made a purchase for legal services with a Law Firm in XXXX, XXXX. I paid using my Navy Federal Visa Credit Card. I never received any services from this law firm in XXXX and the law firm has stopped responding to any of my requests.Navy Federal denied my dispute claim for fraud protection claim for the moneys I paid this law firm ( I paid {$6900.00} )
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX  correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting XXXX XXXX accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up forbearance with XXXX and was approved through XX/XX/2022 through XX/XX/2022 and set up an interest only payment plan that I have been paying and never missed a payment. This brought my account current and put those months in good standing ( I have paperwork from XXXX ). However, XXXX reported the month of XXXX as missed and it dropped my credit score tremendously. I've reached out to XXXX XXXX XXXX department ( in which you can only respond via mail and their customer support department has no clue on the response ) and tried to handle directly with the company and they sent the letter saying they wont change. Next step was me writing this complaint. If this doesn't work I will go to small claims court and sue them for pain and suffering, taking advantage of XXXX  ( person of XXXX from low income area ) customer right after XXXX lifted the Student loan payment pause. The negative information has caused me to get higher interest rates on my credit card and drop my credit utilization with my lenders. Please note that XXXX has updated the status and reported correctly with only XXXX. XXXX hasn't reported correctly on Experian and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 within the FCRA and FDCPA laws. 
CFPB Complaint against : XXXX, XXXX, TRANSUNION Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened below. 

Account Number Amount Number Status These accounts have resulted in several fraudulent hard inquiries, fraudulent collections, and late payments appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that All credit reporting agencies block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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: Debt collection

I have XXXX collections with americollect they don't have my wet signature that I owe them the debt I never signed any paper work with them so this should be removed from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the credit bureaus that the XXXX XXXX XXXX debt showing on my reports is not mine and that I am a XXXX. I asked them to correct this and to remove it and it has not been done. This is my 3rd time contacting them about this matter.
Product: Mortgage

Since refinancing my home load with Amerihome Home Mortgage in XXXX, I have never missed a payment. In XX/XX/XXXX, I missed the payment. I am SURE that I went online to pay it ; but for some reason ( whether I didn't hit " submit '' or whatnot ) the payment was not made. 

I didn't realize that I have missed the payment ( again, I'd never missed one before ), until I went to pay my XX/XX/XXXX payment only to find that I owed 2 payment. Since I was unable to make two payments at that time, I paid my normal monthly payment, expecting to be able to " make up '' the balance prior to my XXXX payment being due. 

In mid XXXX, I again signed on to the Amerihome Mortgage website to make a partial ( half ) payment - only to find that it was impossible. I could not enter any amount accept the full monthly total. I then called Amerihome, only to find out that the customer service would also not accept a partial payment. I was passed around to several " service reps '' who each told me that a partial payment could not be accepted. 

I " saved '' my half payment - having to wait until my next paycheck. That paycheck falls on XX/XX/XXXX. I called Amerihome again to ask whether or not they would once again report my " delinquency '' to the credit bureaus - because I will have missed the " cut off date '' by one day. They happily said " yes! we report it immediately after 30 days! '' I find it incredible that a national mortgage company does not accept partial payments, not allow consumers to rectify an obvious mistake by making partial payments or avoid another serious black mark to their credit score.
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 


SEE ATT. FOR ID Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SANTANDER XXXX XXXXXX/XX/XXXX inaccurate reporting XXXX XXXX XXXX and XXXX XXXX a financial institution by definition under that title. 

1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

The financial institution and the above companies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be non-verbal, verbal, written, implied or otherwise is revoked.

15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. 


Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.

" I am opting out of your reporting services unless authorized by consumer ( me ) in writing " According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. XXXX and XXXX are consumer reporting agencies and I am the consumer.
Product: Consumer Loan

I recently applied for a home mortgage. Per the broker there are inquiries on my report that I did not authorize. There is a pull on my experian report from XXXX/XXXX/XXXX. I did not authorize this. However it was set to drop off XXXX/XXXX/XXXX. The documents attached are from a fresh report pulled XXXX/XXXX/XXXX and it is still on there. I would need this removed immediately as it is a negative impact on my score
Product: Checking or savings account

I used to have chase before this since 2018 they closed my account with no reason so I try to open an account with chase bank a week ago they open the account but when I was trying to login into my online banking they said I wont be able to have an account with them cause the bank dont want to have a relationship with me
Product: Payday loan, title loan, or personal loan

Two different companies have scammed me out of {$3200.00}. The first companies name is consumer Eloan, the second is  XXXX . I paid {$2200.00} to consumer eloan to receive a {$2000.00} loan. This was through   XXXX   XXXX  . I paid {$950.00} to   XXXX   XXXX   in form of   XXXX   gift cards. Both companies kept asking for more money for the loans to go through. This is when I realized I was being scammed. The loan from consumer eloans started  XX/XX/XXXX -17 and the loan from   XXXX   XXXX   started  XX/XX/XXXX 17.
Product: Money transfer, virtual currency, or money service

To whom it may concern, I have tickets for the XXXX XXXX XXXX that I occasionally sell on XXXX and XXXX whenever I'm unable to attend the games. On XX/XX/2018 I sold four tickets to an individual using XXXX and arranged to receive payment via PayPal. 

The individual sent me payment for {$520.00} ( of which Paypal took a 2.9 % processing fee ), netting roughly {$500.00} to me in exchange for the tickets. 

Four months after I received the money via PayPal, the buyer initiated a chargeback on the payment, at which time PayPal automatically debited {$520.00} against my account and an additional {$20.00} for a " chargeback fee ''. 

They made no attempt to resolve the issue with me and sided with the buyer ( scammer ) and the buyer 's financial institution. I provided evidence from my XXXX ticket holder representative as well as a copy of the email correspondent between me and the buyer ( scammer ). 

PayPal still did not look into the issue and merely said that there terms of service prevents them from releasing any information about the buyer or their financial institution, preventing me from taking legal action against the scammer and/or their financial institution for their wrongful chargeback. 

I asked PayPal if they could provide me with specific details about the buyer ( scammer ) and they flat out refused. I asked them to look into the matter and to credit my account as I am a long time customer of theirs but again, they flat out refused. 

PayPal facilitated s scammer to effectively steal {$520.00} worth of goods from me and offered zero help in resolving the issue.
Product: Student loan

I went to check the status of my student loans managed by Mohela on XXXX and noticed that one of my loans was showing a passed due amount. I am on the SAVE plan so my loans were placed in a mandatory forbearance in XXXX due to litigation. My loans were current through XXXX before the forbearance began and Mohela provided notice that interest would not be charged on my loans during this time in addition to not having to make payments. I emailed Mohela via their internal messaging system to try and understand what was happening and received a response that says interest can be charged during the 60 day processing forbearance. This seems to conflict with the letter I received in XXXX stating that I would not be charged interest during the forbearance. Additionally, the email response did not address why there was a past due amount showing on my account at all. 

Unsatisfied I called Mohela to discuss my account. After waiting for roughly an hour I was able to speak to a representative who told me there was nothing they could do about the charge on my account. I asked why it was there and was told it was because the Education Department ( ED ) had frozen all loans. I asked for a breakdown of the charge, including when it was applied, and was told they could not provide that for me. I was told ED would " take care of it. '' I asked what this meant and was told ED would handle my loans when litigation was finished with no clear definition for what this meant. I received no explanation for what the charges on my account are from or why there is currently interest showing up on my loans ( per the student aid website dashboard ). I intend to follow up with Mohela next week to try and get written documentation that the amounts overdue will be cleared from my account and that I was not late on payments, however, Mohela has been very inconsistent in handling my loans so I do not expect I will get any documentation. It took over a year for Mohela to remove a double count of my loans from their system while I was transferring to the SAVE program and I was never able to get written confirmation that they were in error for that blunder. 

Additionally, I submitted a complaint for this case ( and the previous one about my loans being double-counted ) to ED to ensure it is logged somewhere and could possibly be helpful to somebody.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I submitted a formal dispute to Transunion, XXXX, and XXXX regarding inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ). As required by law, the credit bureau had 30 days to investigate and respond, yet I never received any correspondence, verification, or resolution regarding my dispute.

Under FCRA Section 623, data furnishers are required to provide only accurate and verifiable information. Because I did not receive a response or resolution within the legally mandated timeframe, I am requesting immediate action from the CFPB to enforce compliance.

If the disputed accounts can not be verified, they must be immediately removed from my credit file. Please escalate this matter and ensure that Transunion follows federal guidelines in handling consumer disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a repossession that is 7 years old and has not been removed as required by the law and I did dispute it with Equifax and all they did was change the notes on the account to involuntary repossession and did not remove it from the report they also do not have the option to dispute the account age and XXXX XXXX was bought out by another company and doesn't exist anymore the dispute results were on XX/XX/2022
Product: Mortgage

In XX/XX/XXXX, I was given a letter from Caliber Home Loans regarding my escrow account that showed that I had a shortage amount of {$19000.00}. After an exhausting process of trying to contact someone at Caliber who knew how to assist, I was told that Caliber " accidentally '' paid the property taxes of 3 other properties that had nothing to do with me. I was told that some parcel numbers got mixed up and the only thing I could do was wait for Caliber to contact each of the Townships while they requested a refund for the error. 
In XX/XX/XXXX, my escrow account had a positive balance.of {$3600.00} and then in XX/XX/XXXX, my escrow account balance magically changed to - {$6100.00}. There is no details on any statements on what happened between XX/XX/XXXX and XX/XX/XXXX, but Caliber somehow lost approximately {$9000.00} and have had my escrow account starting at a negative from XX/XX/XXXX and through XX/XX/XXXX. 
Today, XX/XX/XXXX, as of XXXX ET, I am being told that in XX/XX/XXXX a check was sent out that was just over $ 6k and that is why my account is short. I have never received a check from Caliber, nor was anything communicated regarding this. 

I am demanding that someone contact me immediately to get this resolved ASAP. This is two years in a row now that Caliber has messed up my escrow account and this is getting ridiculous.
Product: Debt collection

Unsolicited contact about a gym membership i don't have. It has gone on for weeks and i have blocked their number but they still contact me. I have called the number and they ask for membership details to verify my information which i do not have because i never had a membership in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX, Equifax and XXXX my report publish information should be removed. Inquiries on my Equifax report by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX these inquiries were not authorized by me. A  collection from a phone company I never had. The collection account is reporting on all three credit reports : XXXX XXXX for XXXX I constantly dispute it will come off, then return back. Again these actions were not my doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent. I did not authorize this account. I have sent a notarized FTC report to XXXX, Equifax, XXXX.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

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

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

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

This company never sent The periodic statement along with the disclosures from section XXXX ( b ). 

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

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

Delete the late payments from my consumer reports.