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

To whom this may concern I have recently received my credit reports and I am writing this letter to dispute the following account : XXXX XXXX  and XXXX XXXX XXXX. I did not give anyone permission to sell my information to any company and due to this being listed as a collection they have violated several laws by purchasing my information without my consent and they have not provided proof of contact stating permission was given. These credit agencies and this collection agency XXXX XXXX  and XXXX XXXX XXXX are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company Experian are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete. This not happening was also a violation of the law. I do not consent to a computer-generated response nor the E-Oscar system, show valid proof.
Product: Checking or savings account

One echeck transaction that did not show on my 5/3rd bank checking account XXXX XXXX by XXXX EST suddenly appeared at XXXX the same morning as two echeck transactions that were posted on Friday XXXX XXXX. The two transactions were paid inmediately by funds that were deposited by my employer direct deposit and during non business hours. 5/3rd bank charged my checking account with two NSF fees of {$37.00} dollars each days after, they claim they could not refund the fees.
Product: Credit reporting

XXXX Bank XXXX is still reporting negative information to the credit bureaus for a credit card account that I have paid off. The account was never late and paid as agreed.The negative information is still on my credit report after all these years.
Product: Checking or savings account

On many occasions the bank will post debits from the account first, then charge overdraft fees before posting any credits to the account.
Product: Debt collection

Most recently received notification in unmarked envelope in mailbox with notification to pay a very high amount debt over thousands of dollars to XXXX XXXX XXXX All information I dont recognize dates amounts etc. the letter is dated XX/XX/2025 and Im being threatened to pay to a company at Midlandcredt.com. 
XXXX. Signed XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

On XXXX XXXX, XXXX, I incurred a financial obligation when I purchased my home located at XXXX , GA XXXX for the amount of {$180000.00}. The loan was evidenced by a Note, naming XXXX as the " Lender. '' Sometimes thereafter, my Security Deed was assigned to Select Portfolio Servicing. I, however, was not provided any notices of the purported assignment, sale or transfer of the servicing of the loan to Select Portfolio Servicing. I began to have difficulty meeting my obligation during the housing market collapse. In an attempt to save my home, I 've made various efforts to get an affordable loan modification from Select Portfolio Servicing. All attempts, however, were unsuccessful. It appears that they refuse to give me a reasonable workout option and is bent on taking my home. Because I questioned Select Portfolio Servicing 's servicing of my loan and how credits had been applied and whether or not my loan account is actually in default, on XXXX XXXX, XXXX I forwarded to Select Portfolio Servicing a Qualified Written Requests ( QWRs ) requesting that Select Portfolio Servicing provide me with ( 1 ) A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied ; ( 2 ) A complete and itemized statement of all advances or charges against this account ; and ( 3 ) A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter. Also, my QWR stated that it was my belief that my loan account has been improperly serviced in that credits for payments made by me had not been applied to my mortgage loan account. Select Portfolio Servicing, however, did not respond to my QWR, took no responsive action and undertook no investigation into the issues raised by my QWR. 
The only way to ensure the integrity of my loan and whether my account has been properly credited is for Select Portfolio Servicing to produce a verified accounting in compliance with RESPA 2605 ( e ).
Product: Credit card or prepaid card

To whom may he/she concern, On XX/XX/2022, I received a letter from Bank of America and I opened it and noticed the account doesn't belongs to me. I call the Bank of America on XX/XX/2022 and told them I did not own this credit card and I did not purchase {$290.00} from XXXX, CA. The gentleman said he will close the account for me and until now I still have not receive any letter from Bank of America about this situation. Please notify me what to do next.
Product: Student loan

XXXX ( now Navient ) is my original lender for XXXX PRIVATE student loans taken out between XXXX. I have been trying for over a month to get in contact with someone, anyone, there. I would like a copy of my original promissory notes and all loan documents for all XXXX of the loans mentioned above. You ca n't get ahold of anyone, I 've left messages on their " customer service '' line, I 've even tried calling another number I 've had saved from when I was on a repayment plan with them years ago, no luck. I frankly do n't even know who " owns '' my loan at this point because it 's been passed around so much. They are the original lender, I still can log in to an account, and they are sure as XXXX still showing all my loans with past due balances even though I 'm getting calls from another shady sounding company claiming to be in control of my student loans now. I just would like copies of all of my original loan documents, which the lender should be able to produce. Yes, my loans are past due, probably in default by now, but that does n't give them the right to flat out ignore me. If they would offer any kind of customer service, repayment options, etc, I probably would n't be where I 'm at - but that 's a whole other issue. I just want all my loan documents for all XXXX loans they report to my credit every single month. And some kind of tracking number for the package ( if they even can produce the documents ) - because their " word '' is XXXX in my experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Tenant Screeners ( Reseller ) Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX BELOW IS A LIST OF INACCURATE ADDRESSES ON MY CREDIT REPORT THAT MUST BE REMOVED ALSO DUE TO IDENTITY THEFT!!!!!! XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In the accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 section 602 A. States I have the right to privacy.15 USC 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish my account without my written instructions 15 USC 1681 c ( asa ) ( 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 USC 1682s-2 ( XXXX XXXX A person shall no ot furnish any information relating to a consumer to any consumer reporting agency if the person knows or has to reasonable to believe that the information is in accurate
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, my personally identifiable information, including details related to my student records, was accessed & disclosed without my authorization. Specifically, personal data from my education records, including but not limited to, my full name, student ID, academic history, & potentially other confidential information, were involved. The information disclosed was recorded in my education records as it relates to my academic history, student identification, & other personal details protected under FERPA. The disclosure was made to individuals or entities associated with XXXX XXXX & DOGE. The entities involved had no authorization to access or share my personal educational data. The disclosure occurred without my consent & was related to external access to my personal information, likely involving unauthorized access by entities outside of the educational institution. At no point did I provide authorization for such access or disclosure. I became aware of the unauthorized disclosure on or about XX/XX/year>. As of now, I have not had any direct communication with the disclosing individual or entity regarding this matter. As a result of this unauthorized access & disclosure of my personal data, I am requesting the dissolution of my student loans, as this breach has affected my ability to manage my financial responsibilities & compromised my privacy rights under FERPA.
Product: Checking or savings account

XXXX XXXX, a student loan company withdrew unauthorized funds from our account with Bank of America ending in XXXX. I contacted Bank of America numerous times to no avail. 
From what I can tell as a result of numerous phone calls, is XXXX XXXX continued to auto-withdrawal. No one from this address or last name ever went to XXXX XXXX. 
The total amount that was fraudulently withdrew amounts to {$1500.00}. 
I would appreciate a full credit back to my account ending in XXXX from Bank of America.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX Balance : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} ch XXXX XXXXXXXX Balance : {$0.00} t XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters asking to verify the debt on my report. They have sent back letters stating that everything is verified correctly. My credit report is still showing inaccuracies. 

If you look at the current credit report for XXXX information is extremely inaccurate. 

I have also received letters saying that they need to verify my identification, but I sent all three bureaus a copy of my driver license and Social Security. 

Also those three letters were notarized just to confirm that it was me and the letters were real.

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

I sent documents proving some information on my credit report didn't belong to me, including a court order to have the information removed, and it still appears months later after multiple attempts to have the incorrect information removed by XXXX XXXX XXXX TransUnion. 
Specifically, any and all accounts listed from XXXX XXXX XXXX should be removed. 
Specifically, any and all Hard and Soft Inquiries listed from XXXX XXXX should be removed because of online fraud and a court order to remove. 
Specifically, on XXXX report any and all late payments from XXXX XXXX XXXX should be removed or marked paid as agreed and on time. 
All three bureaus were sent certified and non certified documents from my attorneys office to have these items removed and they still appear today.
Product: Mortgage

As a result of Covid-19 I was directly impacted and I experienced a financial hardship. I started the Forbearance in XX/XX/XXXX but have been able to make some payments to keep my account no greater than 3 months deliquent. My complaint speaks to the dramtic payment increase offerred on a loan modification for {$310.00} for the next 365 months. 1. The first repayment option I received was a loan modification of {$1400.00} for 360 months in XX/XX/XXXX. A {$310.00} monthly increase for the next 30 years. At this time in XXXX my delinquent amount was {$5600.00} as shown on the XXXX statement. Meaning Caliber Loans would receive a sum of {$110000.00} over the next 365 months with the new loan modification terms. I called Caliber and declined the loan modification because I could not afford it and it was unreasonable terms. 2. Later in XX/XX/XXXX I received a letter stating I was ineligible for the loan modification. 3. In XXXX I received a Loss Mitigation application, my forbearance was effective until XX/XX/XXXX so I declined. 4. Lastly, during this time I have consistently made payment every month since XXXX and attempting to make additional payments whenever possible. 5. My Mortgage was increased to {$1400.00} effective XX/XX/XXXX although I am still on the Forbearance until XX/XX/XXXX and I have not signed any agreement of loan modification nor loss mitigation. I would really appreciate if you can resolve the intent of Caliber Loans. Should you find ill intent, I honestly do not feel I am the only veteran being taken advantage of. I look forward to hearing from you I have documentation to provide proof of my claims
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX 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 dont have no written premission 15 U.S.C 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 According to 15 USC 1681 I have the right to privacy 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.

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.
Product: Debt collection

There was credit card opened fraudulent in my name in 2020. I reached out to the company originally at least 3 times and they refused to listen and acknowledge that the account was not mine. They then sent it to collections, and they are still refusing to have it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I went to the Truist bank located in XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX at XXXX at XXXX XXXX  to make a wire transfer from my checking account for the amount of {$59000.00} that turned out to be a scam. When I arrived, the bank employee ( XXXX XXXX XXXX XXXX ) processed my wire transfer request and told me to sign the wire request without asking me any questions about this transaction nor gave me a receipt of how much the remaining balance was. Because this was my first time ever doing a wire transfer I did not ask questions either, as I was being manipulated by the scammer over the phone who provided me with instructions. When I got home and logged into my online bank account I saw that the balance was near XXXX and I had wired nearly all my money out of my account. I immediately called the Truist fraud department at around XXXX : XXXX XXXX and the representative told me to call back again at XXXXXXXX XXXX  the following day. As this was a fraud I called back again to try to get another agent who could put a stop on the wire, and the next representative told me that they will put a red flag but there was nothing they could do. On XX/XX/2022 I went at XXXX XXXX to the same branch to find out further details of the request to stop the wire transfer and the representative was not helpful at all and told me that I lost my money and there was nothing they could do. I was victim of a fraud and the bank representative did nothing to inquire about this transfer, which I now realize was obvious fraud. I understand I initiated the transfer, however it is their duty to have policies in place to avoid this type of scam as this money can be used for any number of illicit activities.