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

In accordance with the Fair Credit Reporting Act. The list of inquiries has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 Capital XXXX Auto XX/XX/2023 XXXX Dealer Fin XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 Capital XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital XXXX XX/XX/2023 Ally XX/XX/2023 Safe XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Star XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MAIN XXXX XXXX XXXX CoXXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent requests to Equifax certified mail requesting method of verification on this inaccurate verified account..I also challenged the account under metro 2 laws ... They have not provided me with documentation showing how they verified this account.. I would like to challenge the status, high balance, past due amount.
They are suppose to verify physically the validity of alleged data, any calculations, dates, each notation, balances, and records of accounts even the 426 CHRC P6 statement, personal identifiers, and source codes audits, receipts, accounting records, metro 2 codes.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FEDERAL CU has not provided any debt validation, a copy of a contract or anything to that affect to properly report onto the credit bureaus. 

I have asked them repeatedly for some kind of debt validation, a copy of a contact and they are unable to provide that information.
Product: Debt collection

I have already challenged this " alleged debt, '' and I've written to Equifax and the company itself, but no one has responded. On XX/XX/2021, the account was last updated in the amount of {$380.00}, and I'm not sure where this money came from.
Product: Credit reporting

Equifax fails to remove the XXXX XXXX XXXX account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX from XXXX XXXX Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit card or prepaid card

Hello, I have been with BOFA since in college this was very disappointing. 

I would like to request to restore my credit limit because I need to increase or keep my restored credit store for housing purpose. 

BOFA is gambling with my credit score. 

Based on the following ground BOFA should take in account to restore my credit limit. 

1. For many years due to a divorce my card was maxed out and I was paying minimum.

Late last year, I paid off almost 50 % of the total outstanding balance.

2. No evidence of excess use of the card since paying off 50 % 3. There was late payment during COVID19 peak - where I informed the bank I was impacted and lost my father to COVID19. 
4. When I lost my card, reported it immediately and informed BOFA I need a card. Due to the Postal Issue during Election time, my bills and card everything came late. Which I informed BOFA. This delay was across the board with all creditors 5. Payments were made to BOFA on the new credit card.

6. I requested customer service few times to set up auto-payment because I felt soo much is going on everywhere where payment can be missed. The customer service advised to set up on-line banking. 
7. There is issue with online banking - I found out it didn't take my pay and later saw the error message online banking not accepting payment to be paid ( see screen shot ). So I went back and paid through my XXXX Account. I should not be penalized because Customer Service refused to set up payment and on-line banking gives an error message to pay online. 
8. No other creditor lowered my credit limit. 
9. I check XXXX XXXX often no record of delinquent reporting. 
10. BOFA never disclosed why the limit was decreased except for " Per our Review '' 11. I am a XXXX XXXX XXXX  employee which means my employment and salary is secured under all circumstance unless there is a Nation Wide crisis.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late/Open XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} Late/Open XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Late/Open XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Late/Open Inquiry in Dispute : XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/2022 {$3500.00} Bank of America when I realized that I have been scammed, I contact the bank and report fraud immediately. on that day, they told me they will refund my money back to my account in XXXX business days. Until today I still have not seen any money refund back to my account.not only that they froze the account and all my bills are paid delayed. It took me hours of phone calls and the trip to the branch, finally be able to speak to one of the representatives and now they said that the claim is denied. well I am the victim of scam, and XXXX + loytal customer with the bank. i am asking CFPB help me get my money back thank you.
Product: Debt collection

National credit adjuster bought the loan. They didnt check the status of the loan and listed it on my credit report as a collections which forced my credit score to go down causing me unnecessary stress and anxiety trying to fix the issue. This debt was discharged in a BK XXXX 2 years ago. XXXX  still has t adjusted my credit score .. no company should be allowed to place anything negative on your credit file before verifying all details and facts.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$22000.00}.
Product: Mortgage

Ocwen loan is a servicer for XXXX and has not offered an affordable modification under the HAMP, as requested. The Office of Comptroller of Currency entered a consent order against XXXX and ordered them to offer modifications that benefit the consumer, under Article IV of AMENDMENT TO XXXX XXXX, XXXX CONSENT ORDER. The company was order and given credit for loan forgiveness when the loans were considered under water. Currently the home is worth $ XXXX and Ocwen pursued to collect a debt upwards of $ XXXX more than the original agreement. I sought to discharge this debt according to 12 USC 95 ( a ) 2 and sent Ocwen payment on XXXX XXXX XXXX. My home is still being foreclosed although the laws of the United States states that the debt was to be XXXX when relying on 12 USC 95 ( a ) 2. The payment has not been returned, and there has been no attempts to offer me an affordable modification. Ocwen nor XXXX were original lenders or part of the original mortgage. I am left with no remedy although I am an XXXX. The corporations are threatening to remove a XXXX, although I relied upon the laws of the United States for remedy.
Product: Checking or savings account

I deposited {$800.00} in cash of XXXX {$20.00} bills the machine turned off, recycled and then turned back on showing right now this atm can not operate on XX/XX/2023 XXXX ; XXXX ; XXXX XXXX  at the XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX, I called the number on the atm and took pictures of the atm, spoke with XXXX at XXXX received a claim number XXXX and them was transferred to another agent and was told the funds would be available until an investigation was completed, then i was informed of a fee reversal. I asked if they could review the video of my transaction and was told they could not. Chase atm stole my {$800.00} cash deposit. Please advise. Thank You
Product: Student loan

I was in school for a long time. I received an XXXX degree and wanted to further my education. I went on and received a XXXX degree and then went on to receive my XXXX which again had another XXXX within the program. I owe XXXX in debt XXXX for federal loans and XXXX private loans. I should have not finished college. One of my private loans I had to make payments while I was in school. During this time my husband lost his job. So I was in a program which then I had to take private loans to manage everything. My last semester I was considered part time and My loans all became due. I had to take a test to get my licensed to get a good job and it took me about 4 months by then I had XXXX judgement and most of my loans were sold. So when I finally got out and was licensed I had no idea where all my loans were. I had XXXX with AES and I asked them to give me one payment. They would not do this I had several payments everywhere I was so far behind just getting out I only paid a few of them. Now I had that judgement from educap which they sold my loan to a attorneys office. It has been 5 years almost and they just now garnished my wage. I also same time now have another XXXX National Collegiate sold to attorney and they are garnishing my wage I do n't know what to do I am unable to consolidate due to my credit score. I am considering bankruptcy. However, I have spoke with XXXX diff attorneys and received XXXX different scenerios. Please help. XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ACCOUNTS : XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> money was taken out of my checking account multiple times. One for the amount of {$320.00}, {$390.00}, {$340.00}, {$93.00}, and {$50.00}. The transactions were from " XXXX ''. I called XXXX and told them I did not authorize any of those transactions and they said they did not show any money was taken out from my account from their end and so the transactions must be fraudulent. I called chase my bank and told them about the situation and that my account might be compromised. They deactivated my card and told me I need to open up a claim to get my money back, and so I did. Chase spent days " investigating '' they charges and came to the conclusion that the transactions were authorized, they said because I do business with XXXX the transactions must have been authorized. This makes no sense to me. I sent chase an email I received from XXXX  saying that those transactions were not authorized and still they refuse to reimburse me my money. I called XXXX and they said because these transactions do not show up anywhere on my accounts with them they can not help me. I am a member of the united states XXXX and am looking for help. This creates financial hardship in my family and is putting me under great stress, please help me.
Product: Mortgage

I have been having a issue with my mortage company since XX/XX/XXXX. I was out of work due to a illness in my family i took a loa was out a week. During the XXXX of the year my job cuts hours. So in XX/XX/XXXX i applied for a loan modification. I sent in all documents needed. At this time they would not accept any payments from me they would return them They have constantly asked for paystubs i would fax those in within time frame. In XX/XX/XXXX my relationship manager calls me telling me there is a deprecrency in my paystubs they needed more paystubs so i faxed in more. 1st it was {$16.00} then it jumped to {$60.00}. Time and time again i faxed in what they requested. Everytime i called spoke to someone different with different answers. As of today XX/XX/XXXX. My loan modification has still not been approved nor denied..but they will not accept any payments on my account. Now i am over {$6000.00} behind on payments because these people cant get their act together ... i am the one losing out i am losing my home i am losing 9 years of payments all because they can not add cant see i get paid biweekly not weekly. Very disturbing how a large company like this can get away with such a horrible act.
Product: Debt collection

On XX/XX/XXXX & XX/XX/XXXX, I received alerts that a collection account was added to my XXXX credit report. This account does not belong to me. I informed the hospital ( the original owner of debt ) that this was not my account. The account belongs to my daughter whose mom is responsible for financial matters as she has sole legal custody. It was supposed to had been resolved prior to XXXX with hospital. I faxed a letter and emailed the collection company with the statement and a copy of custody papers. I also requested a GUARANTOR form which showed ownership of account. I have not signed a GUARANTOR account for any medical bills involving this minor. I have yet to hear back from the collection company. This is not my account.
Product: Mortgage

After I am a very disgruntled customer. And Im not being treated with honesty or transparency. 

I called in XX/XX/XXXX to END my forbearance and could resume payments. I was told I could modify the terms of my loan to address the balance that accrued while in forbearance. Noting this went into forbearance due to both my husband and I losing our jobs due to COVID. 

I have been trying to resume payments since XXXX XXXXXXXX. Due to a misstep by your agents on XX/XX/XXXX, my first loan modification was cancelled. I received an apology for the miscommunication and finally received NEW loan modification terms on XX/XX/XXXX. At that point, I sent the required trial payment and subsequent trial payments. I have still not received my loan modification documents. On XX/XX/XXXX I received by certified mail that I had a right to cure my mortgage and that failure to do so bu XX/XX/XXXX would result in foreclosure of my home. 

I have little confidence in your process as this has been an issue since XXXX when the the firstl loan modification promised me was ALSO cancelled by some glitch in your system. 

I have been disconnected 3 times today and each time I need to start over, and I never have been able to reach my relationship manager XXXX XXXX. 

The problem, is that no one ever gives me the same answer. Contradictory instructions and misinformation is not acceptable. Period. 

I am requesting a letter that indicates foreclosure proceedings is an error ON YOUR PART. You can call it a glitch, but this excuse doesnt fly when I might lose my home and my credit is being affected. 

On XXXX I spoke with XXXX. The take aways from this conversation as follows : 1- Loan Modification in progress- NOT TRUE 2-Foreclosure notice sent/generated in error NOT TRUE 3-No action required on my part. No payment required NOT TRUE 4-was reassured credit not being affected NOT TRUE 4-Loan Docs not sent as of XXXXTRUE 5-Underwriting waiting on title- which is a lie, that I learned when I spoke to an agent on XX/XX/XXXX. This is the second time Ive been lied to, but asked to file under miscommunication '' This info WAS NOT ACCURATE, in fact- had I not called on XX/XX/XXXX, the foreclosure would have proceeded. This is YOUR error. What would have happened if I did not call today? 

On XX/XX/XXXX I spoke with XXXX ( ID XXXX ) 1- Loan modification was cancelled mysteriously 27 days ago 2-Therefore foreclosure WAS/IS proceeding, however he CANCELLED it and escalated the loan modification 3-Credit entities WERE NOTIFIED of late payments, Im told that you will notify the credit reporting agencies that it is YOUR error and I want this in writing from you. 

The explanation I received? Some random deferment plan was open and messed up the process? I was told, this has been cancelled and that the load modification terms in place in XXXX would be honored. 

4-expect to receive docs 2-3 weeks Again, this is an absolute mess and I do not know what is truth is ( and dont appreciate being lied to ). 

Your prompt attention is expected.
Product: Money transfer, virtual currency, or money service

The company is PayPal. I have had an account with them since 2017 which I rarely use. I recently received an email stating that due to unusual activity my account was frozen. I requested that my account be closed. They refused, saying that to make any changes to the account I would need to send them a photo ID, proof of residence and banking statement. I have been notified by others that my personal and financial information was found on the dark web as a result of a data breach at XXXX XXXX XXXX. I do not have a balance at PayPal, and I am reluctant to provide sensitive information to a business with whom I no longer want to do business. Repeated emails and phone calls to PayPal continue to elicit refusals to close my account until I provide the requested information. 
Please advise PayPal to close this account immediately. 
Thank you. 

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

Upon reviewing my CFPB complaints # XXXX, XXXX, and XXXX, I discovered that you closed my complaint on XX/XX/XXXX. Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$120.00} ; 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 XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDITREPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB : Reaching out because I noticed on my credit report that Ocwen Loans is reporting a 30 day late payment when that never occurred. The account number in dispute is XXXX. My name is XXXX XXXX and my social is XXXX. Can you please look into having this removed from my report. 

Thank you,