23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and DEPTEDXXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, personal loan, or advance loan

I paid off my entire loan on XX/XX/2023, which was before the first payment date due date ( XX/XX/2023 ). I based my payments on the information available to me on the account portal and the statements issued to me. However, today ( XX/XX/2023 ) I received a statement that said I had not paid off my principle and that my loan was still accruing interest. After reviewing the documentation available to me, I couldn't figure out why I was being told I owed this amount. I called GoodLeap. Multiple of their representatives admitted that GoodLeap 's portal does not clearly provide information about the outstanding principle or interest, which is why I didn't see accurate information. Given GoodLeap 's acknowledgement that they did not provide clear information or documentation of what I owed, and that lack of information prevented me from making informed payment decisions, I requested that they waive the remaining balance ( {$57.00} ). The workers I spoke with explained they did not have that power but would elevate the challenges I ran into. I ended up paying the remainder off to avoid accruing further interest because I did not know my other options. I'm filing a complaint in the hopes that 1 ) this will spur prompt reforms at GoodLeap so others don't have this situation, or worse, and 2 ) in hopes I can get a refund for the {$57.00} since it was GoodLeap 's fault that I did not have access to accurate information to base my payment decisions ( had I had access to better information I would have avoided paying additional interest ).
Product: Checking or savings account

I opened a checking account with ally bank and deposited a check and later realized it was most likely fraudulent so I immediately called ally to tell them to stop the check. I talked to a very nice gentleman who stopped the check and told me to let the funds from the check go in the account and back out of the account and everything will be fine. That happened like he said it would and everything was going well and we were just waiting on our debit cards to come in the mail, it was taking awhile so I called them XX/XX/2023 at approximately XXXX XXXX and they didnt tell me anything was wrong and that my debit cards should be delivered the next day. After that phone call I heard nothing until until about XXXX XXXX the same day I get an email saying that my entire checking account has been closed with no explanation. So I called them back and asked what was going on and they told me that because of that fraudulent check they decided to close the account with no notice other than a letter that I never received and was told by the bank that I probably never received it anyway, they continued to tell me that any remaining funds will be mailed to me and that this was final and irreversible. I have kids and bills to pay and this is just absolutely just not right what so ever
Product: Debt collection

the irs 1099 c form for the canceled debt, if a 1099 was in fact issued, then the charge-off amount on my credit report should be zero.

my jp Morgan credit cards were stolen and used creating a balance. These charge-offs have been on my credit report for more than a year. I have not received a 1099 for them yet. I would like proof of this ordinary income that is being reported as debt on my credit report. According to ( 15usc 1681eb ) everything I stated above is a violation. 

jpmcb card XXXX amount {$4500.00} JPMCB card XXXX amount {$2300.00}
Product: Credit card

In XXXX 2016 I disputed {$170.00} of a {$520.00} on each of XXXX tickets. I was downgraded to coach on the fights. Per letters dated XXXX XXXX, 2016 and XXXX XXXX, 2016 the credit card company reversed the {$170.00} disputed amount on the XXXX charges based upon discussing the issue with the airline and the airline saying that would credit {$110.00} per ticket. Even thought the credit card company reversed the {$170.00} in disputed amounts on all three tickets, I have only received the {$110.00} on XXXX of these XXXX credits. The credit card company also stated that they would " continue to request credit '' for the amount if I did not respond by XXXX. Since I agreed with credit was reasonable, I did not dispute the proposed credit. I did I give the credit card company a reasonable time to get the credits on my account. In XXXX I sent them a letter stating that the credits have not been applied yet. On XXXX XXXX Citibank sent me a letter stating that they would no longer pursue the claim and closed the dispute because I did n't respond by XXXX even though they stated that they would " continue to request credit.
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Bayview Loan Servicing is stealing mortgage payments and claiming they never received your payment. During my Trial Loan Modification I made all 3 of my payments on time. XXXX XXXX is a very dishonest person, she lied saying they didnt receive my XX/XX/XXXX payment. Today I decided to go online and look at my statement and I can clearly see where Bayview Loan Servicing received my payment on XX/XX/XXXX in the amount of {$710.00} and it was credit to my account on XX/XX/XXXX, a blind man can see the fraudulent activity going on here. XXXX XXXX sent me a letter yesterday saying my Loan Modification is  denied because I didnt make my last payment. Is XXXX really that XXXX, she doesnt see the payment? I have done everything to resolve this issue. I will be going forward with a lawsuit against these CROOKS! My Loan Modification was APPROVED and EXECUTED because I did everything I was supposed to during my Trial Modification Period! Something serious is wrong with XXXX XXXX and she needs to be terminated and locked up for trying to steal and scam people!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 XXXX 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 FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is causing me stress and hardship of the illegal practices they are reporting on my consumer report on XX/XX/2022 XX/XX/2022 and XXXX XXXX so i am DEMANDING you to remove these illegal late payments under 15 U.S CODE 1666b ( correction of billing error ) you are illegally reporting transaction on my consumer report without my consent per law 15 US Code 1681b ( you need my permission to report on my consumer report ) which i didnt give you guys.
Product: Credit card or prepaid card

In XX/XX/XXXX. 4 couples booked tours with XXXX XXXX XXXX, for which we each paid {$1900.00}. Then 2 months later, XX/XX/XXXX, Covid 19 was surging, XXXX had severe outbreaks and Americans were not allowed to travel there. 
Our payment ( Non-refundable ) was made in good faith with all intentions to travel. In late XX/XX/XXXX, when it was apparent that we could not travel due to Covid I wrote my XXXX billing ( paid through Paypal ) dispute department to request a credit for a trip that we were unable to take. They eventually found against me, because the company, XXXX XXXX XXXX was willing to extend our payment for XXXX. We still could NOT travel in XXXX. 

It is now XX/XX/XXXX, Covid continues to be a problem in XXXX, the XXXX XXXX XXXX is ongoing, we are XXXX years old and have been at a loss of our {$1900.00} for two years. 

I humbly request your assistence as a consumer who is being penalized for something beyond my control to get Paypal and XXXX to reverse this {$1900.00} charge made in XX/XX/XXXX,
Product: Debt collection

PINNACLE is reporting on my credit file ..I was reading on your website about my rights and what i can ask the company to provide me if they felt i owed them money ..I never even knew they were on my report and never recieved notice about it .Until it is stopping me from purchasing my home .I asked them to send me information in regards to oweing the collection agency and contract i signed with them but they only send a few statements im comfused and its looks like old account but shows likes its recent its not even reporting right I ask them to validate they send me letters asking to pay and call me to pay but never send what i need I dont think they can do this to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX XXXX, and XXXX are proposing the account details of my XXXX  XXXX bankruptcy, in addition they are reporting the XXXX XXXX car agreement with XXXX XXXX as not paid off. I paid off the vehicle and am in good standing with XXXX XXXX. 

Please, fix these two issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX, XXXX, XXXX AND EXPERIAN XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX, XXXX, XXXX AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : XXXX XXXX XXXX : XXXX. XXXX, 2023 ; XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023 ; XXXX XXXX XXXX : XXXX. XXXX, 2023 ; XXXX XXXX  XXXX : XXXX. XXXX, 2023 these items above should be removed from my report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to complain about an unauthorized credit inquiry that appears on my credit report. The details of the unauthorized inquiry are as follows : XXXX ) XXXX  XXXX XXXX - Inquire Dated XX/XX/XXXX XXXX ) XXXX XXXX  - Inquire Dated XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX- Inquire Dated XX/XX/XXXX XXXX ) XXXX - Inquire Dated - XX/XX/XXXX XXXX ) XXXX XXXX  - Inquiry Dated - XX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX - Inquiry Dated XX/XX/XXXX XXXX ) XXXX XXXX inquiry Dated - XX/XX/XXXX I have thoroughly reviewed my credit report and have confirmed that I did not authorize this inquiry. As such, I am formally requesting its immediate removal from my credit report. 

Unauthorized credit inquiries can negatively impact an individual 's credit score and overall financial standing. Therefore, it is crucial that this matter is addressed promptly and resolved to ensure the accuracy and integrity of my credit report.
Product: Money transfer, virtual currency, or money service

I was called by a person that identified themselves as the fraud department at XXXX XXXX saying they were investigating XXXX suspicious transactions happening out of state that were tied to my phone # and a Zelle account that was attempting to transfer money to their account.
Product: Mortgage

I will not accept Flagstar charging me 0.25 % of the outstanding principle for me to manage my own Insurance and Property taxes when they are delinquent with paying my Insurance. Therefore I will be filing an official complaint with both the CFPB & XXXX ( Mortgage Lender Servicer The mortgage lender servicing license is required for any mortgage lender licensee who services a mortgage loan. " Servicing a mortgage loan '' means to receive, cause to be received, or transferred for another, installment payments of principal, interest, or other payments pursuant to a mortgage loan. ) My goal is to manage my own payments and not be charged for doing so when they can not manage my payments as evidenced by my homeowners not being paid AS OF XX/XX/year>, WITH A LAPSE IN COVERAGE ON XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Loan # XXXX XXXX XXXX XXXX
Product: Debt collection

I have obtained a recent copy of my credit report and discovered this account number XXXX. The account is UNPROVEN TO BE COMPLIANT much less TRUE, complete and accurate allegations that appear to be not in lawful compliance to reporting regulations. I understand my rights and I am serving you written notice of my consumer demand checking for your federally required proof of compliance even to the XXXX XXXX data field formatted regulatory reporting obligations of you as a specific mandate due to the XXXX enactment and implementation of the standardized XXXX sponsored XXXX XXXX Compliance rules. The Fair Credit Reporting Act dictates that any and or all accusations of debts, true or not, must be accurately and timely reported in all deferment/transfer cases. It appears that it can not be determined in irrefutable fact ( as required ) that the account in question was not handled properly. I am enacting both my consumer and my civil rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to provide me with written documentation of the deletion of this erroneous information for not lawfully compliant which obviously in question. You can be assured also that immediately I am also notifying the XXXX XXXX XXXX and Consumer Financial Protection offices in regards to this unforgivable and extremely injurious error in your clear mis-reporting of illegal mis-information
Product: Mortgage

Payments are current. Have not received escrow or account information since XXXX, XXXX. Today is XXXX XXXX, XXXX. My payments have also been fraudulently inflated for the same period. Mortgage account transferred from XXXX to NationStar property services in Texas. NationStar continues to cash my checks without sending me any accounting of my payments. I have reached out to XXXX XXXX, Investor ; but still have no results. I have a federal HARP loan modification.
Product: Student loan

I just would like a debt validation of the loans I owe, what is my true balance. There are to many adjustments for me to pay. Feels like I 'm in Jail.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account Number:XXXX  Date of Charge-Off : XX/XX/year>XXXX  It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account XXXX XXXX XXXX  ( Doesnt have an account number showing ) 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.
Product: Debt collection

this collections company is repeatedly calling myself family and friends all hours of the day threatening all involved
Product: Debt collection

Thursday XX/XX/XXXX, I tried to make a debit purchase and was declined, I then tried to get money from ATM my balance was XXXX in my checking and saving. My husband reach out to XXXX XXXX ( who we bank with ) was told that that both account were on freeze due to a ( court order ) judgment which I never received and XXXX also provided a phone number XXXX. I called this number which is Weinstein & Riley law firm the operator connected me with a collection rep she proceeded by verifying who I was and stated they were trying to collect a chase credit card debt from back in XXXX. 
for the amount of {$5800.00}. Again I never received any notice via phone call or mail of anything. I'm not disputing that I once held a XXXX credit card and I also know that the balance I owe was not {$5800.00} my credit limit on only $ XXXX.and if my memory serves me well what I owe was {$200.00} and due to falling on hard times I could not pay the {$200.00} owe to them. Right now I'm at a lost, I don't know which court granted the judgment against me in order to try vacate this judgment and have this freeze removed. Is this legal for 3rd party collection to freeze your account for debt over 10years .I also pulled my credit report with XXXX to see if I had any collections against me and I have nothing that is pending on me.
Product: Debt collection

they claim my hospital bill was not paid. i got a copy of my bill from XXXX XXXX XXXX and the bill say XXXX owe. This is a charge off debit. When i checked the company address it is different from website plus a p.o. box address. I had medical insurance which the bill was sumbitted to XXXX and Valley Credit Service refuse to take it of my credit report. The name the bill is from is XXXX XXXX XXXX. XXXX  XXXX XXXX, md XXXX for hospital say on XXXX to XXXX billing me for XXXX. Since my dispute they have changed there address to XXXX XXXX XXXX XXXX, va XXXX phone number XXXX
Product: Checking or savings account

Bank of the West charged me over draft fees for point of contact purchases and or atm withdraw from my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act State 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