23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I went to my online savings bank and noticed I was blocked access to my funds, I called them XXXX XXXX XXXX XXXX. This person told me that there was a security/identiy issue. I answered all their security questions : last XXXX of social security #, dob, secret password XXXX XXXX XXXX but to no avail. After more than a dozen calls I was told they would us mail me an affidavit of identity. Which I received, filled out had notarized and returned with phots of my XXXX XXXX XXXX XXXX, my XXXX XXXX, and my Police ID card. Today XX/XX/year> I have heard nothing from them and I am still Blocked from access to my account. I will call them XX/XX/year> again and inquire if they received the affidavit? contat me at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inquiries on XX/XX/2019. They did not respond in 30 days and did not update or remove the information. Also did not verify how this information was accurate.
Product: Mortgage

XX/XX/XXXX Specialize Loan Services ( SLS ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX RE : Consumer Financial Protection Bureau Previous COMPLAINT ID : XXXX, Submitted XX/XX/XXXX Outcome : As of XX/XX/XXXX, Specialize Loan XXXX XXXX XXXX ) responded to the complaint. However, XXXX Failed to Resolved the matter in the complaint. 

I am submitting a new complaint because SLS failed to Resolved the matter in the above-mentioned complaint ( attached ). 

SLS Mortgage indicated in their response to my original complaint ID : XXXX that they contacted me regarding the AHFA information needed to resume my payments. This information is not accurate. However, I did received numerous HARASSING collection communications from SLS Mortgage. 

In addition, as of this writing, SLS, has not corrected the issue of my complaint ( attached ). The Mortgage company indicated in their response that addition information was submitted to XXXX to resume payments on XX/XX/XXXX. This is unclear, my loan was not transferred to SLS Mortgage XXXX until XX/XX/XXXX. Also, SLS did not do what they said they were going to do to resolve the matter. 

As of this writing, 1. have not received confirmation that AHFA has received the required documents from SLS MORTGAGE to resume my mortgage payments 2. and the Credit Reporting Agencies has not been updated to remove ALL derogatory reporting from my credit report. 

In fact, according to XXXX XXXX ( AHFA Supervisor ) email ( attached ), dated XX/XX/XXXX, their office still has not received the requested mortgage information to resume my payments. The email further states that there are 43 other homeowners information that SLS has failed to submitted to their office. For that reason, they have forward to the HAF Administrators due to SLS failure to cooperate.
Product: Money transfer, virtual currency, or money service

Received a XXXX request on Chase bank on the XXXX XX/XX/2018 for {$300.00} from an unknown party. Accidentally accepted the request later that evening and after contacting Chase multiple times they never helped with the Issue. During the same month was scammed for another {$800.00} on XXXX and once again Chase bank did nothing to help me. To add insult to injury, the scammer proceeded to send me ANOTHER request for {$500.00} on XXXX XXXX. Once again Chase bank said it is out of there control. Would of posted a complaint early but only recently became aware of this platform.
Product: Credit reporting or other personal consumer reports

Federal law protects the privacy of my personal information. In order for ChexSystems to be sharing my personal information to any third party, they need to have consent from me. I never gave them consent to be sharing my information to any third party.
Product: Debt collection

I was a juvenile when this bill was obtained. Bill written off in Bankruptcy. I called the debt agency and so did my dad. The staff at the collection agency was extremely rude to us. They struck my last nerve when they stated as a manor of fact that they dont have to give us any documentation and then they hung up on us.
Product: Checking or savings account

I closed my account on XX/XX/year> prior and after closing the account I request a letter that I would be removed from the companies database for any type of mailing and emails but Ive been continuing to getting emails to my personal email address nor did I ever get the letter that I requested with this confirmation. I also spoke with XXXX and customer care on XX/XX/year> and he was trying to authenticate me as being a current customer even though I closed out any existing counts on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and notice incorrections on my report that were not mine. 
the credit bureau did not remove the information that was not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB NUMBER : XXXX To whom it May Concern : Hello, my name is XXXX XXXX XXXX and I On XX/XX/2021 your office received my request for XXXX, Equifax, XXXX to provide proof that I have given authorization of an accounts on XX/XX/2021 on my file. This letter is to notify It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on XX/XX/2021. The items I need deleted are listed in the report. I stated I an a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( inquiry. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will take legal action.
Product: Payday loan, title loan, or personal loan

I got a payday loan then realized the percentage. I got a XXXX loan and have paid 4 payments of XXXX. My loan balance is more now than when I started and I already paid {$1000.00}. I calledvthen and they told me I have 10 months. That's XXXX for a XXXX loan. I can't think of how it would be paid off. When I calledvthen said I had ineterest and daily interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions.

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

XXXX XXXX  {$0.00} Closed 2 late payments This account does not belong to me please remove
Product: Debt collection

I received a letter in the mail that I have to go to court again on XX/XX/2022. I already went to court and their attorney offered a settlement of {$620.00}. I agree to make monthly payments of {$50.00} and started in XXXX. I told the attorney my first 2 payments would be at the end of the month and then I would send earlier he said it was fine as long as I started my payments and would not have to go back to court as long as payments were made. I called and the representative said that they did receive my 3 payments and could not tell me why I had another court date.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have mailed and faxed 4 different times my fraud affidavit and each time i have been told that they did not receive the documents. i have provided tracking numbers showing that it was and they ask that i send through the mail again. this is the last attempt at correcting this before i seek damages for not adhering to the FCRA and removing inaccurate fraudulent information from my report.
Product: Credit reporting or other personal consumer reports

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  This information is totally bad for my credit. It is wrong information. It has to be deleted now. 

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: Checking or savings account

There was a fake account open in my name that had over {$5000.00} in fees I ask Wells Fargo to close the account they said they had and they never did which cost more fees
Product: Debt collection

I am submitting this formal complaint regarding the unlawful actions of National Credit Systems, which have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I discovered an account associated with XXXX XXXX XXXX XXXX ( account number XXXX ) reported by National Credit Systems. This account has been placed on my credit report without proper verification that it is mine. Furthermore, I have not been provided with prior notice or the opportunity to dispute this alleged debt. These actions constitute clear violations of my rights and protections under the FDCPA and FCRA. 

The placement of this unverified account on my credit report is a direct violation of my rights, and it has resulted in defamation of my character. By reporting this unverified and disputed debt, National Credit Systems has publicly presented inaccurate information about me to potential creditors, employers, and others who review my credit report. This can cause irreversible damage to my reputation, financial standing, and credibility. Such defamation has led to undue stress, frustration, and potential financial harm, as it may negatively affect my ability to secure credit, housing, or employment. 

In addition, National Credit Systems ' continued efforts to collect on behalf of XXXX XXXX XXXX XXXX their failure to properly validate the debthas resulted in the improper sharing and use of my personal information, further harming my reputation. 

National Credit Systems has violated the following provisions of the FDCPA : 15 U.S.C. 1692e : Engaging in false or misleading representations, including reporting unverified or inaccurate information. 
15 U.S.C. 1692f : Employing unfair practices to collect a debt, such as improperly sharing personal data without validation. 
As a result of these violations, I demand that the aforementioned account be immediately removed from my credit report and that National Credit Systems cease all attempts to collect this unverified debt. I also request a thorough investigation into this matter and expect written confirmation of corrective actions within 15 days. 

Please note that under federal law, National Credit Systems is required to verify this debt before reporting it to the credit bureaus
Product: Debt collection

DEBT WAS SETTLED IN FULL ON XX/XX/2013. LETTER OF SETTLEMENT OBTAINED. 

Improper contact and sharing confidential information with people who are not affiliated with me in any business or financial or professional capacity. 

Threatening to take legal action and improperly contacting and sharing this threat with people who are affiliated with me in any business or financial or professional capacity. 

I had received NO prior written information OR phone messages prior to various friends and/or acquaintances with similar names contacting me with this information. 

XXXX XXXX XXXX Debt Collectors Employee XXXX XXXX illegally contacted people other than myself, slandered and lied about my financial obligations to people other than myself. 
XXXX XXXX XXXX Case # XXXX. 

When I advised her that I had already settled the debt and pointed out that she and her firm has broken several privacy laws, her response that was I had provide that letter AND be prepared to present the letter for many years to come as her firm would also be " bundling and selling '' this debt back to the market place. 

I told her I would be providing a copy of the Letter of Settlement to her and that it was only file with various credit reporting repositories. 

This firm needs to be severely reprimanded and fined for their actions. 

LETTER OF SETTLEMENT WILL BE ATTACHED TO THIS COMPLAINT, IF POSSIBLE.
Product: Debt collection

I am frustrated with your bureau 's inaccurate reporting of a late account. Despite the bank 's confirmation of inaccurate information and an agreement over the phone, your compliance is overdue. 
Account Details : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Inaccurate Reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I attempted to login my account at TransUnion to access my report and was met with a message that denied me access to my report and forced me to pay for my internal reporting score. My score has been up XXXX points down XXXX points and back up XXXX points in 3 days at TransUnion. This has to be retaliation for the CFPB complaints I have under investigation that still haven't been resolved. This rollercoaster and fluctuation of my score is causing me to not be able to extend my credit. My score decreased XXXX points because of an account that posted XXXX positive credit card limit with no adverse remarks which lowered my debt-to-income ratio and the remark codes, " Dispute resolved ; reported by grantor '' and " the following remark was removed from this account : Account information disputed by consumer, meets FCRA requirements '' added to my account by TransUnion. I AM STILL DISPUTING THE VALIDITY OF THE ACCOUNT AND THE DISPUTE IS NOT RESOLVED. THESE COMMENTS ARE FALSE AND MISLEADING.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Oportun for continuing to report an account ( Account Number : XXXX ) as a charge-off on my credit report, despite selling the debt to XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, as confirmed by their correspondence. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), which prohibits furnishers from reporting inaccurate information.

Additionally, I submitted an opt-out request under the Gramm-Leach-Bliley Act ( GLBA ) on XX/XX/XXXX, to restrict the sharing of my non-public personal information with non-affiliated third parties. Oportun failed to process this request within the legally required timeframe, resulting in unauthorized sharing of my personal information. This violates GLBA 6802 ( b ).

Oportuns actions have caused me : Financial harm, including denial of credit opportunities and increased interest rates.

Reputational damage due to false credit reporting.

I have disputed this information multiple times, but Oportun continues to furnish inaccurate information to the Credit Reporting Agencies ( CRAs ).
Product: Credit reporting or other personal consumer reports

Please see attachments. Credit card statement attached solely for proof of identity only.
Product: Payday loan, title loan, or personal loan

Hi, I applied for a {$2000.00} loan from Salary Finance through XXXX and I was denied without reasoning why. I was discriminated against as a consumer. If this denial was based upon credit score then I would like Salary Finance to be made an aware that deeming a consumer to be eligible based upon income or a credit score if a violation of federal law. I would like to inform Salary Finance of the following information a credit score is defined pursuant to 15 USC 1681g ( f ) ( 2 ) ( A ) the term person highlighted within that law is defined pursuant to 15 USC 1681a ( b ). The federal statues defines a credit score and who a credit score is for which they are for a statutory person defined within the law provided. I am a consumer/natural person born alive defined pursuant to 15 USC 1692a ( 3 ) and 1 USC 8 therefore a credit score does not apply to the living consumer and it is unlawful and discrimination against an applicant pursuant to 15 USC 1691 ( a ) ( 1-3 ). I am requesting that Salary Finance provide a response to this CFPB complaint with the supporting federal laws that are applicable to the denial. Also if a credit score applies to me, as the consumer, then Im requesting Salary Finance to provide the supporting federal law thats states that. This is in no way to be combative or belligerent while exercising my federally protected & constitutionally rights. The action of the company are a violation of the federal FDCPA, FCRA, ECOA, etc. Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Online Information Services added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify their collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, XXXX XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

I have already sent several request for debt validation to Online Information Services, however they remained negligent and did not respond or delete the unverified account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 USC1681 Section 604A Section 2 : It also States a consumer reporting agency can not furnish a account without my written consent.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as a late for any purpose.
Product: Money transfer, virtual currency, or money service

Dear PayPal, I am writing to express my disappointment and frustration regarding the permanent limitation of my account ( Ref ID - XXXX ). I have provided all of the valid documentation requested by your verification system and completed all of the required steps. 

I understand that your company has certain policies in place to protect against fraudulent activity, but I can assure you that I have not engaged in any such activity. I have used my account responsibly and in compliance with all terms of service. 

The permanent limitation of my account without a solid reason is unacceptable and extremely disappointing. Furthermore, as per the US law, The Electronic Fund Transfer Act ( EFTA ) and Regulation E, you are obligated to provide a written explanation of the reason for the limitation and the steps the consumer can take to have the limitation removed.

I request that you conduct a thorough review of my account and lift the permanent limitation as soon as possible. I also request a written explanation for the limitation and the steps I can take to have it removed.

I look forward to your prompt attention to this matter and hope for a positive resolution.

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

I HAVE NOTICED THAT THEIR ARE UNAUTHORIZED ACCOUNTS THAT WERE OPENED USING MY NAME AND HAS IMPACTED MY CREDIT SCORE. I AM A VICTIM OF IDENTITY THEFT. THESE ARE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX THESE ARE FRAUDULENT ACCOUNTS THIS FOLLOWING CARD IS WITH XXXX XXXX AND I TALKED TO THEM ON THE PHONE FOR HOURS AND MULTIPLE EMPLOYEES HUNG UP ON ME WITHOUT SOLVING. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE TOLD THE COMPANY THAT I USED THIS CARD TO MAKE RENT PAYMENTS BUT THE REST OF THE CHARGES WERE UNAUTHORIZED AND I HAD THE CARD STOLEN THE COMPANY DID NOT RESOLVE THE ISSUE AND NOW CONTINUES TO ADD LATE FEES TO MY REPORT AND ALSO COMPOUND INTEREST. 

THIS FOLLOWING LOAN WAS ALSO OPENED UP IN MY NAME AND THE COMPANY HAS NOT VERIFIED I AUTHORIZED THE LOAN AND NOW THEY HAVE CLOSED THE ACCOUNT BUT THE DEBT IS STILL ON MY REPORT XXXXXXXX XXXX XXXXXXXX THE CLOSED LOAN AMOUNT IS {$77000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX my collection account agency submitted an account deletion to EQUIFAX on XX/XX/XXXX it was deleted. On XX/XX/XXXX Equifax decided to reinsert the collection account back on my credit report. I contacted Equifax and they say it is reporting correctly i have the collection agency contact EQUIFAX and EQUIFAX still refuse to delete account.Out of the 3 credit bureaus EQUIFAX is far the worst one.
Product: Mortgage

I have tried to remove my PMI private mortgage insurance fee requirements from my mortgage a couple of times and still get denied. Even though my Tax Appraisal value went up for my county and I sent it into Flagstar Bank. I also submitted pictures of remodeling etc. they have me at 83 percent and they should have me lower than if they used my priginal tax appraisal which they refused. At this time my home is over XXXX square feet, I only owe {$130000.00} for a one story ranch house in XXXX Texas on a large lot. Also I have never missed a payment since I financed 5 years ago. The house is valued over {$230000.00} and thats the low end for tax appraisal value. The sale of my property would net me {$100.00} a square foot putting my value at {$360000.00} XXXX they know this but will not remove my PMI unless I get a pricey appraisal in which I dont have the money to do being a single parent. The attorney general and several banks in Texas use the value of the counties. I can not understand why my bank wont. The additional {$200.00} would come in handy to meet my other expenses I have been asking for an adjustment for several months. Texas is going through a high market and I would be able to sell easily but then I would not have any where affordable to live. Yet my cost between insurance, taxes etc keeps going up and the mortgage company isnt trying to help me.
Product: Credit reporting

I have a {$3400.00} debt listed on my credit report and it has been paid. The reporting collection agency will not report the payment and I was told to challenge it and let the Credit Reporting Company call them. I have a receipt showing it has been paid.