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

Between XXXX - XXXX I attended XXXX XXXX in XXXX XXXX, Florida. After graduating I began receiving student loan payment mandates. It was confusing because my college was being paid for by XXXX XXXX as I was an employee and any leftover was paid for through applying my G.I. Bill chapter 30 from my military service. I was young and ignorant and began trying to pay the loan I didn't owe from the beginning. I began struggling to repay this loan almost immediately. I have had to request a forbearance at least 10 times over the past 20 years as I can not afford to pay it and XXXX is demanding {$610.00} monthly payment for who knows how long it'll take to repay the loan. Originally, after I graduated, a company called XXXX took on servicing the loan but then sold it to XXXX. XXXX reported that the loan was for {$30000.00} and have been reporting this for over 5 years now as XXXX took over the account XX/XX/XXXX. With interest, XXXX is reporting the loan for over {$65000.00} on my credit report. Twice now, since XXXX I have disputed this with all three credit bureaus, Experian, XXXX and XXXX. They have all refused to remove this account from my credit reports. They can not be requiring XXXX to prove the {$30000.00} in loan as XXXX can't prove this. The amounts are certainly wrong. I asked the three credit reporting agencies to have XXXX provide copies of loan contracts that I signed both to me and to the credit bureaus. XXXX has not provided me with one lender signed loan contract. I am requesting that you mandate XXXX correct and delete the loan balance and interest balance altogether and have the credit reporting agencies do the same, immediately as this has seriously hampered my ability to acquire credit. If XXXX can not provide you with proof of lender signed loan contracts then this information is incorrect and inaccurate. In XX/XX/XXXX, the IRS took my {$7000.00} refund check and applied it to my XXXX account as a straight principle payment. XXXX, with XXXX stated today ( XX/XX/XXXX ) on the phone that their system is now showing I owed {$50000.00} on principle when they took over on XX/XX/XXXX. As of the today, XXXX, with interest its {$65000.00}. Pay special attention to blocks 13E and 43 in the four loan requests documents as they were NEVER SIGNED by the lending officer with XXXX, the lender. Therefore, I shouldn't owe anything any money to anyone, to include XXXX.
Product: Money transfer, virtual currency, or money service

PayPal is refusing to close this business account and transfer the remaining balance to my personal account. I owned a company, XXXX XXXX XXXX XXXX. I opened a PayPal account for the company to receive and accept payments for services in XXXX. I had to dissolve the company on XX/XX/XXXX. I have been trying for the last four months to get PayPal to close this business account and allow me to transfer the remaining balance back to my personal account, but PayPal has placed a permanent restriction on the account. I have contacted them at least 10 different times by phone, email, and their internal messaging center, providing the proof of dissolution. 

In addition to this issue, PayPal decided to change the account to a personal account in XXXX, without my knowledge, and then sent me personally to collections for a charge they had reversed. I received the collections notice, called the collections company and disputed the personal collection. I submitted a stack of documentation to the collections company, who then sent that documentation to PayPal. In the beginning of XXXX my PayPal account was changed back to XXXX XXXX XXXX XXXX, and there was a positive balance because PayPal had reversed the charges they originally ruled out of my favor. I simply need the account closed as soon as possible and the remaining balance transferred to my personal account. PayPal is claiming that they are holding onto it for 120 days, they have already had these funds for more than 4 months. No one will help me with this and I need all accounts affiliated with this closed company closed. All credit cards, bank accounts, loan accounts have been closed, PayPal refuses to close this account and allow me the withdrawal.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lien which was removed from the other reporting agencies upon verification that it was satisfied.Since XX/XX/XXXX I have submitted many disputes to Equifax by telephone, online, and US postat service.The online dispute either does n't work because of constant maintenance or the verification is flawed so that you ca n't complete the dispute online. After giving up on the online process, I called and was told to mail my dispute. I mailed a dispute the first week of XX/XX/XXXX and have not received an answer. Because of the lien rental/lease agents wo n't accept my appllication for a place to live. The lien is for {$67000.00}. Please help.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  continues to lower my credit limits on accounts that have no late payments causing my credit score to be negatively impacted. This started with my XXXXXXXX XXXX XXXX  almost 5 years ago. They just recently reduced it to only leave {$9.00} available instead of the roughly {$100.00} available credit I had. I had also opened a line of credit through XXXXXXXX XXXX  at XXXX XXXX XXXX. I was granted a {$4000.00} line of credit, used about half of that and have already repaid the majority of the balance, never been late on payments there either, but they also reduced that credit limit to {$1100.00} recently - leaving me less than {$200.00} available credit. Each time they lower my credit limit, it appears that my balance is high and the credit is maxed out, which lowers my credit score and they use that as an excuse to continue lowering my limit - an unjust cycle.
Product: Mortgage

On XX/XX/XXXX, I sent a payoff request for XX/XX/XXXX via the loan company 's website which was acknowledged and forwarded to the proper department. XX/XX/XXXX, I sent an email seeking a response to my original email. XX/XX/XXXX, I filed a complaint with the XXXX. XX/XX/XXXX, I received a response to the XXXX complaint from the loan company stating they are required to respond to all complaints but that it was an unofficial response. XX/XX/XXXX, I emailed the president of the loan company seeking resolution. 

This company is also notorious for not processing payments in a timely manner. The most recent example- I mailed my XXXX payment on XX/XX/XXXX and the payment finally posted to my account on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : 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
Product: Student loan

My loan was serviced by XXXX, they told me to take a partial payment forbearance. They did n't tell me that they would be taking the difference of the balance and adding it to the principal amount. Because of this, my loan which I took out in 1993 for XXXX dollars is now XXXX and climbing..the loan is now being serviced by Navient..the monthly payment would be almost XXXX for 15 years..I have been paying the loan for 22 years..I am a veteran of the XXXX..I am paying based on my income now..I will be paying for at least another 12 years..I 'm not sure how much interest in have paid..but surely I have paid the original XXXX dollars by now ... can anyone help me
Product: Credit reporting, credit repair services, or other personal consumer reports

WHILE I WAS IN XXXX XXXX, SOMEONE OPENED A FRAUDULENT ACCOUNTS UNDER MY NAME. THE XXXX XXXX AND THE PENTAGON FCU ACCOUNTS ARE FRAUDULENT, I NEVER OPENED ACCOUNTS I NEVER USED THESE ACCOUNTS. THESE ACCOUNTS ARE FRAUDULENT, I NEED XXXX XXXX AND XXXX XXXX AND PENTAGON FCU TO UNDERSTAND THAT I AM A VICTIM, THESE ARE NOT MY ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted the 3 credit bureaus experian, XXXX, XXXX multiple times over the past year by phone and mail and let them know that i wanted them to remove XXXX negative accounts thats on my credit report they have violated my rights to privacy they had no permission to even report any information to the credit report and they also never sent me any verification or anything verifying the account 15USC 1681
Product: Bank account or service

This has do to with the purchase of a " Short Sale '' Real Estate Contract. I submitted my offer to Ocwen Financial Corporation back in XXXX 2015. The offer was reviewed and left to sit for a few weeks. I was asked to come back with a higher offer towards the end of XXXX 2015 which I did on XXXX XXXX, 2015. I came up {$5000.00} on my original offer and they came back a week later, the Owner asking if I would pay the Attorney fees of {$2000.00} at the closing table I agreed to this. The Owner was good with this. I was told Ocwen would review and have an appraisal taken in the mean time. The Appraisal has not been taken as of today. I never received in writing these terms except for signing the document for the attorney 's fees. I have been told through the process I was the lead contract and XXXX back up contract. As of last weekend XXXX 2015 I received a notice stating that Ocwen was now going to take the property to Auction on XXXX. This was never told to the Listing Agent or Seller or to the Attorney and Mitigation Pros at the time of listing the property for sale. Ocwen has not been honest with their intentions of this property to anyone involved, they seem to have a hidden agenda in their favor. They are now asking the Seller to sign a release in order to take this step towards the Auction. They have a legitimate contract in front of them that they should address and follow through on. If I had known or it was disclosed legally like it should be according to the law I would never have submitted a Contract that was going to Auction especially on XXXX. They now want me to pay the Auction Fees of 5 % of the total purchase price and a standard {$290.00} plus closing fees if I win the auction. Between Mitigation Pros, the Attorney involved for the Seller, myself and the Seller we are absolutely livid with the ethics of Ocwen and taking such a direction. We all feel this is an illegal act with the lack of transparency on Ocwen 's part and should be addressed by your department. I know the other parties are going to submit a complaint also, it is from Mitigation Pros that I received your website link to express my frustrations. It is beyond belief that these kind of dishonest and unethical tactics continue after everything the American People have been through with the recession that the Financial Institutions were a large part of in the downturn. 
It is with great respect that I ask you to investigate this issue and make it right. It is for me and other Home Buyer 's wanting to be dealt with fairly and above board. It is expected of myself that I act honestly and with integrity and It should be for all involved.
Product: Credit card

I noticed i have inquires on my credit report of different credit card companies that ran my credit report without my consent XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma pre approved me for several credit cards in which I was not approved for therefore impacting my credit score.
Product: Bank account or service

PayPal has Deactivated the service for me. 

Please see Documentation for more information.
Product: Credit reporting or other personal consumer reports

Here is a list of the unauthorized inquiries 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 XXXX Here are some of the derogatory items on my credit 7. OAG CHILD SU Was 120 days late 11 time ( s ). 
XXXX. XXXX XXXX Derogatory, collection account, placed for collection
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXX sent a letter regarding inaccurate and unknown things on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.
Product: Vehicle loan or lease

In XX/XX/XXXX I cosigned for my son XXXX XXXX on a purchase for a XXXX XXXX XXXX XXXX, within three weeks of the purchase of the vehicle it broke down and could not be fixed per the dealership, My son put down a {$500.00} deposit which he lost, and the vehicle was turned into the dealership. The loan was financed through capital one auto, and I repeatedly called them to The dealership has possession of the car because it could not be repaired.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ EXPERIAN ] for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : [ XXXX  Account Number : [ XXXX ] Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ EXPERIAN ] has failed to comply with the law and has retained the inaccurate account information. 

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of [ EXPERIAN ] to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against [ EXPERIAN ] for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ EXPERIAN ] upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the CRA that XXXX XXXX should be deleted from my credit report. XXXX  has provided inaccurate information but the CRA continues to validate the debt without providing where the information comes from. XXXX XXXX says that I owe them for XXXX XXXX XXXX XXXX  ; however, that is incorrect and the tradeline should be removed. I've contacted the CRA and they continue to validate incorrect information. The attached file shows that XXXX  is providing conflicting information as they are saying the debt is from XXXX XXXX. Therefore, the tradeline should be removed as the CRA continues to say this info is correct and XXXX shows a different account holder.
Product: Debt collection

In XXXX, me and my friends wanted to go to XXXX XXXX 
And i went online, and Bought Plus passes for me and my Friend But Unfortunately, both were placed under my social security number Then we went about three times. 
After that, Towards the end on XXXX, I found out that i had to pay monthly for both accounts. 
And i tried to cancel the accounts. 
XXXX XXXX transferred my accounts to the ACS Collections company And i had to pay them for both accounts. 
I made two payments of {$250.00}. 
One on XX/XX/XXXX and One on XX/XX/XXXX But both were applied to only one account The second payment did not count And now Acs wants me to pay {$400.00} or about {$370.00} with discount Also, i am on XXXX, and don't have enough money to pay my bills Previously i emailed Acs my payment history.

But they pretend to not receive it
Product: Credit reporting or other personal consumer reports

ear Credit Reporting Agency Name Re : Identity Theft Dispute Under FCRA Section 1681s-2 I am writing to formally dispute several accounts on my credit report as a victim of identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 1681s-2, I request an immediate investigation and removal of the following fraudulent accounts from my credit report. I did not open these accounts, nor did I authorize any transactions associated with them. 

The accounts in question are as follows : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Attached, you will find the following documents to support my claim : A copy of my government-issued photo ID Proof of address ( e.g., utility bill or bank statement ) A copy of my identity theft affidavit Under the FCRA, you are obligated to investigate this dispute and delete any inaccurate or unverifiable information. I expect these accounts to be removed from my credit report within four days of receipt of this letter. Failure to comply may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) or further legal action to enforce my rights.

Please confirm receipt of this letter and notify me in writing once these accounts have been removed.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX [ Attachments : Copy of ID, proof of address and identity theft affidavit ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not updated my credit report since XX/XX/2020. I submitted proof of address as experian required in order to update my credit report. Credit score and report still have not been updated.
Product: Credit card

XXXX/XXXX/2016 Dear Colleague, RE : Unauthorized inquiries Below please find enclosed a description of the event occurred that is needed to resolve this case dated as of today XXXX/XXXX/2016 at XXXX If you have any questions about completing your investigation please contact me directly at XXXX ext. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX XXXX Account Number : XXXX 1. XXXX XXXX Account Number : XXXX 3. XXXX/XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX
Product: Consumer Loan

I have been with Exeter Finance for about XXXX years now and they have been told over a year ago, not to call my work place. They were compliant until XXXX XXXX when I got a call on my phone at work from them. I have the call in my call log at work and if need be I can see if I can get a print out from the main computer that hosts our phones. This is a violation of my rights as a consumer and something needs to be done about it.