23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... your company has a large amount of fraud charges on my credit report that is not accurate s with loans on my report and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! The amount was for XXXX for enhanced recovery company if you would contact me regarding this matter I will greatly appreciate it thank you! 


Thanks XXXX XXXX XXXX Sent from my XXXX
Product: Credit reporting or other personal consumer reports

I asked MOHELA when will the updated account information be reported to the CRAs? XXXX question- during the payment pause from XXXX - XXXX payments were made on my loan of $ XXXX for 12 months/installments - that were not counted towards the XXXX payments I needed for forgiveness. Will the money for those payments be returned to me or whom should I contact to find out? I calculated the amount that should be returned as {$2700.00} plus interest since it should have been received at the same time that I received my forgiveness letter. As of XX/XX/XXXX, I have not received a response. I have not tried to reach them via telephone because of the long hold times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As of todays date, XXXX / XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of I believe it was reporting in error. CAPITAL ONE XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I originally had XXXX XXXXtudent loans that were part of the federal student loan program. Unbeknown to me, at some point, Congress privatized my loans, and they were taken over by XXXX. After recently checking my credit report, I discovered XXXX 90-day late payment for XX/XX/XXXX, but the payment for all the months prior reflected as current. I was under the impression that these loans were automatically included in the provisions to have student loan payments paused under the CARES Act. After speaking with two different XXXXt customer service representatives on XXXX, I was informed that these two loans were not covered under the CARES Act, and instead, they had been put into suspension under a Student Debt Burden Forbearance. I was also informed that this forbearance was back dated to cover whatever 90-day late payment listed on my credit reports, as if it was never late. Both customer service representatives refused to removed the inaccurate 90 day late payment from my credit report, even by reflection of what they reported, there was no 90 day late payment. This negative 90 day mark on my credit reports is causing me even more undue and unnecessary hardship during this pandemic that our nation is facing. My provisions and protections under the CARES Act have been violated. After the unwillingness of XXXX to comply, I also disputed this information directly with the credit bureaus, and XXXX was said to have verified and updated the information, but the XXXX late payment remains. 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ). This new FCRA subparagraph provides protections only if a creditor approves a consumer for an accommodation. An accommodation is an agreement for a forbearance, a payment deferral, a partial payment agreement, a loan modification, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( COVID-19 ) pandemic during the covered period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( i ) ( I ). 

I was accommodated when the payments were put in its deferred status, and XXXX did not delete the negative mark from my credit report. They only commented that the payments are deferred until XX/XX/XXXX. I demand that XXXX remove the XXXX late payment mark from XX/XX/XXXX, and show it as " ok '' and current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

Companies Involved : TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Pa XXXX XXXX Ga XXXX XXXX Tx XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX The companies listed have reported the following accounts improperly and illegally. 
I respectfully request that these accounts be removed from my credit profile with all deliberate speed. 

XXXXXXXX XXXX  : this account has XXXX balance. Please remove. 
XXXX XXXX XXXX  : this account has XXXX balance. Please remove. 
XXXX : this account has been charged-off, Please remove Under FCRA guidelines these closed and charged-off accounts need be deleted from my profile.
Product: Credit reporting or other personal consumer reports

I call XXXX XXXX and Experian. The items I needed them to verify correctly they didnt do a good job and throughly investigate the accounts. I gave them police reports and FTC reports and Im still having issues with these accounts. Experian and TransUnion wont let me get into my account anymore and now Im really upset.
Product: Money transfer, virtual currency, or money service

i was paid by a buyer via paypal for an artists product whom i work for. paypal took a fee, but when i tried transferring money to the artist for the goods, paypal put a hold on my account and will not release the funds unless i give them the buyers date of birth, along with a detailed description of what the product is, how we sell it, how we inform the buyer of delays etc. i provided all the info requested other than buyers DOB and i am still getting generic emails asking for the same thing over and over, holding onto our funds.
Product: Credit reporting or other personal consumer reports

I look on my credit report and my credit was supposed to be locked but it was not and I have all these inquiries on my credit reports it is XXXX that I never applied for anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXXXXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE ALL NEGATIVE ACCOUNTS AND INQUIRIES XXXX XXXX LENDING Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Product: Checking or savings account

Venmo charged me a fee for " purchase protection '' per usual with many transactions. One transaction did not go well, which resulted in myself having to file a dispute for " not receiving merchandise ''. As shown in the attached supporting documentation that makes this statement factual, venmo has gone through many lengths avoiding their obligation to insure the loss of funds from the transaction. The claim was denied for many different reasons that had no truth or ground to it. Some excuses didnt even make sense because their reason was wildly irrelevant such as " terms of agreement state crypto currency is not eligible to be refunded '' or " didn't respond to request in time ''. I have spent several days trying to resolve this with them, making one appeal at a time then it getting denied for an outrageous irrelevant reason. Even their own staff are confused at the answers and explanation for these denials which is shown in attached documents as well.
Product: Checking or savings account

In XXXX of last year there was a check deposited in my name that I was not aware of and it was flagged, navy federal credit union then proceeded to take out over {$500.00} and put my account in the negatives. Again in XXXX of the same year ( 2024 ) I went to XXXX 3 times and was processed to be over drafted all 3 times for more than the amount that I payed and again put my account in the negatives.
Product: Mortgage

On XX/XX/XXXX I submitted a complaint concerning my mortgage (Caliber Home Loan)Complaint# XXXX.In their respond they said they would work with me getting a modification, I submitted everything they asked for in a timely matter .They called me a few times requesting other items , and I submitted them. They said they would notify me. Did not hear from them by phone, mail etc....Received a letter XX/XX/XXXX from an attorney stating that I had to be out of the property in 10 days. Per XXXX XXXX  respond thru CFPB they said they notified their foreclosure firm on XX/XX/XXXX to temporarily suspend any additional foreclosure proceedings to allow sufficient time to return complete mitigation application. I did what they ask and now they are kicking me out with out any other notice.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Student loan

I received my XXXX billing statement less than 21 days prior to my payment due date. Received the statement on XX/XX/XXXX and bill was due XX/XX/XXXX. The Federal government required Mohela to place anyone who received a late notice on administrative forbearance from XXXX through XXXX and either issue a refund or apply payments made during that time to future payments. Mohela failed to place me on administrative forbearance and is refusing to rectify the situation. I called and spoke with several people and this issue was not resolved. I have records from my Moehla account that show the time stamp of when the notification was received.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Account name XXXX XXXX XXXX, Account # 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: Checking or savings account

I deposited my check on Friday, XX/XX/XXXX, and inquired about the availability of full funds from Navy Federal Credit Union. They informed me it would be available by XX/XX/XXXX. However, upon checking my account, I found that {$670.00} of my total deposit of {$890.00} is being delayed due to a precautionary measure. The delay is based on the bank 's reasonable cause to believe that the check may be uncollectible from the paying bank, supported by confidential information. 

The notification assures that if the paying bank honors the check, I can expect to receive the funds within 5 business days. The message acknowledges the inconvenience and expresses apologies, emphasizing the security of my account as their top priority. 

For inquiries, I can call toll-free at XXXX or send a secure message through online banking at navyfederal.org. Written correspondence can be directed to Navy Federal Credit Union, XXXX XXXX  XXXX, XXXX, VA XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is not allowing me a fair opportunity to manage this account as a co-borrower. I have requested monthly statements, payoff statement, to make me the primary borrower & to have any & all information in regard to this account to be mailed to my address NOT the property address. Im being denied a fair opportunity to protect my personal credit. Every dispute response is verified as accurate but historical information is changed to reflect different information that was previously verified as accurate. I have fought clarification for the past 11 months. I depend on dispute information & credit reports to try to manage this account. I didnt even have an account number or transfer information until XX/XX/2023 through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX seems to have consistent poor customer service based on reading reviews. Very similar to my own situation. They make no attempt to resolve the situation when I have tried everything I could to protect my credit. I have no control of any future delinquencies because I only find out the status AFTER its reported & ONLY on my own via credit reports & disputes.
Product: Debt collection

XX/XX/2021 a man knocked on my door around XXXX pst. The man asked for me and told me that my XXXX was late on payment I explained to him ive been in contact with my bank thru email and not sure why he was at my door the guy states he's with ally financial and say he was here to close my loan and to call the bank. I told the man not to ever come to my door again. This man was caucasian in his 50 's for sure. I've been in contact with some guy thru email name XXXX XXXX who keeps emailing me and tell me to call his private phone number XXXX and the email is XXXX. This has really scared me because I just moved to this location and they do not have the address. I feel violated and not safe.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.

1681. 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 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 reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c ( 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 7 years, 15 U. S.C. 1681 s-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: Debt collection

Caller stated the debt was from XXXX and was removed from my credit report in XXXX. It was originally for {$1200.00} but now its $ XXXX. It came from Capital one but I never had a capital one credit card during this time. I was told I have a lien and Ill be served papers. I never received any documents about the debt. XXXX ( XXXX ) XXXX This was the number I called but no other information was given but an account number.
Product: Checking or savings account

So basically after I literally put all my money into another bank account, its only been 1 week since the switch happened.I literally was just about change my direct deposit and they just completely kicked me out of my own account with no warning. Bank of America is closing my account and wont explain why. I never did anything illegal with my account its literally my work checks direct deposited every 2 weeks. I feel like they are discriminating against me because of my race. Its no other options, because I legit work everyday I have my money deposited into the account. Its in my account records you can see how many checks from work has been deposited. Im very upset and I think its unprofessional of them to not even warn me or even explain why. Its sneaky and a easy way to discriminate.
Product: Credit reporting, credit repair services, 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 U.S.C.1681 XXXX, XXXX ACCT # XXXX has violated my rights.

15 U.S.C. 1681 Section 602A States I have a 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. 15 U.S.C. 1681C ( a ) ( 5 ) 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.
Product: Checking or savings account

Wells Fargo Bank. Happened twice with checking accounts that the bank automatically closes and charges fees, etc. Holds on checking accounts and overdraft fees and monthly fees, etc.
Product: Debt collection

Portfolio Recovery Associates LLC successfully managed to file and win a judgment against me without me knowing anything about their claim. I received a letter from a local court notifying me that Portfolio Recovery Associates LLC was granted a hearing for a default judgment against me that has since passed. 

I have never had any type of account with Portfolio Recovery Associates LLC. My name is very common in the XXXX Texas Region. Additional, the veracity of the claim hasn't been fully explored ( by me, the defendant ) beyond a shadow of a doubt that includes examining the subject account 's owner ( 1 ), receiving a full accounting of all charges ( 2 ), full account payment history ( 3 ), reviewing the account contract ( 4 ), plaintiff 's evidence of subject account ownership ( 5 ), reviewing the original creditor 's sale of debt contract for possible riders restricting legal action of subject account ( 6 ), evidence of plaintiff 's attempts to make me aware of an impending lawsuit prior to filling ( 7 ), determining if the plaintiff 's legal work is being performed out of state or within Texas ( 8 ), reviewing the statute of limitations for the action ( 9 ) - among other considerations.

As such, Portfolio Recovery Associates LLC is disregarding federal laws designed to protect consumers at large.

I urge the federal government start a full-scale audit/investigation on Portfolio Recovery Associates LLCs practices including looking into all cases won by default judgment across the nation and prosecute all individuals in this operation that helped in any way to get any illegal judgment.
Product: Debt collection

This company did not address all the concerns. I asked for the original wet ink signature of the original contract. I asked for the XXXX from the original creditor and I asked for the insurance as well. Has this been sold to another company. The letter did not address any of these points and you were asked to cease and desist until properly validated. You did not do your due diligence. 
XXXX. Verification of the debt, including the amount owed and how it was calculated. 
XXXX. A copy of the purchase agreement or contract that legally binds me to this debt. 
XXXX. Proof that you own or have been assigned the debt. The XXXX with the Original Creditor XXXX Detailed information on any payments made and any late fees assessed. 
XXXX. The insurance claim of the debt. 
XXXX. Statute of limitations and last payment missed on the debt Upon your receipt of identity theft you should have blocked all information for this report until further information.15 U.S.C . 1681n - Civil Liability for Willful Noncompliance 15 U.S.C. 1681o - Civil Liability for Negligent Noncompliance 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports** : - A consumer report can only be furnished for certain permissible purposes, such as for credit transactions, employment, or with the consumers consent. Unauthorized access or distribution of your credit report is a violation. who are you? and what contract was signed? by who? That's identity theft!! 
Violation of 15 U.S.C. 1692e ( FDCPA ) ** : - The use of false, deceptive, or misleading representations in the collection of this debt, including misrepresentation of the amount or legal status of the debt, is prohibited.

Violation of 15 U.S.C. 1692g ( FDCPA ) ** : - Failure to provide a validation notice within five days of the initial communication is a clear violation of the FDCPA.

Specific violations include collecting any amount ( including interest, fees, charges, or expenses ) not expressly authorized by the agreement creating the debt or permitted by law ( 1692f ( 1 ) ).

15 U.S.C. 1681c-2 - Blocking of Information Resulting from Identity Theft** : - Requires consumer reporting agencies to block information resulting from identity theft within four business days of receiving appropriate proof. 

So we now are dealing with several violations.