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

This written communication consitutes XXXX and due process notice of the compromising of my credit card as defined under 15 USC 1602 ( l ) a/k/a social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint, my local police which both are attached herewith. Summary of rights of identity theft victim Pursuant to 15 USC 1681g ( e ) ( 11 ) Definition of victim, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. Pursuant to 15 USC 1681g ( e ) ( 1 ) ( B ) I am a victim of identity theft. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of Following : XXXX XXXX XXXX, Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Student loan

Currently, my account is in deferment due to my attendance in a XXXX program at XXXX XXXX XXXX University. As I am in deferment, I make periodic payments towards my loan as the Autopay is turned off and I have not been able to reestablish the Autopay service. 

To my surprise, when I was using the My Campus Loan website, I found that they are now charging me a XXXX cent fee in order to make my payments or processing fee to use my credit/debit card. In the past, I have been able to make additional principal payments and payments during deferment using my checking account for free via the website. I understand that it is recommended to use the Autopay service ( as I have in the past ) ; however, since I am in deferment, this convenience now incurs a charge and I have been instructed to deliver a check to XXXX University to make additional principal payments towards my loan. Your representative has made a note on my account to contact me when my payments are made and posted to my account which helps me feel more comfortable when making a payment directly to the University. 

My major concern in this situation is that I had not been notified of the additional fee and feel that this additional fee is further adding interest and fees to those who are in the same situation as me ( in deferment or grace period ). As this is a subsidized Perkins Loan, the servicer should not be entitled to these fees due to my loan status and I should have been notified of this change before they were made and should have been offered to send checks directly to XXXX University ( as indicated by your representative over the phone ).
Product: Credit card

I cancelled a purchase at XXXX XXXX, which was paid with my XXXX XXXX XXXX using Paypal. Since XXXX XXXX was not refunding for weeks. I filed a dispute with the cancellation with XXXX XXXX and Paypal. I got two refunds, and XXXX XXXX reversed one of them early XXXX. to be squared and just refunded once for something that got cancelled. 
During XXXX Paypal charged again what was already solved by XXXX XXXX. So now I am charged for something I cancelled before picking it up. Paypal has all the information and evidence for the reversal of the second refund by XXXX XXXX. Nevertheless paypal wants to collect the amount again even while XXXX XXXX already reversed the second refund. 
Paypal and XXXX XXXX are arrogant and dont want to talk to each other to solve the matter without affecting the customer. 

This has been taking a lot of my time and resources, I ask for compensation from paypal due to their negligence and sanctions to both, after taking the negative balance on my paypal account with the negligent reversal they are making. Now in reality I am being charged again for something I never received.
Product: Debt collection

In a 5 year period our identity was stolen along with our checking reported to police an credit bureaus they still have on our reports an we are unable to buy a house as a result also we paid off a XXXX loan an it doesnt show on credit
Product: Checking or savings account

On multiple occasions I was wrongfully charged for overdraft fees and closing my account. I also was charged a maintenance fee when I made enough purchases to have fees waived.
Product: Credit card or prepaid card

Well paypal has taken over XXXX ; XXXX dollars from me they aren't letting me touch it for 180 days over someone else doing fraudulent stuff on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cant say enough terrible things about this shady company. Initial request for extension during death in family denied about 5 times escalated to supervisor and office of the President they honored.

I was going to refinance because of the denial but stayed because they honored they waived the balance which was fine then to my surprise they screw me over in my credit profile Ive never had 60 -90 days on any account in my entire life nor prior to or after with this account I was advised allow one billing cycle for it to be corrected twice then when that didnt happen and I followed up was advised info is reported accurately however extensions were processed inaccurately and training and coaching was being provided to the employees in question as a result of this.

I again continued to dispute b
ecause o know what I was told many times over 5 weeks ago I was told allow up to 30 days yet again so today I call in supervisor says I do see where a request was sent to update then he says wait what your account is confusing there are definitely somethings in error here and many things not notated properly however they sent you a letter stating it was accurate again no it is not no it is not no it is not.

What kind of scam artists are you seriously? Worst time in life Ive clearly always been on top of this account which has been reiterated by your reps about 20 times now people like that dont get late remarks let alone 3 in a row IMMEDIATELY fix this error your rep again today stated this was done improperly and this should have been rectified however it appears it was not SO FIX IT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and i am a victim of identity theft. 

XXXX. XXXX ( XXXX XXXX XXXX ) [ XX/XX/year> ] XXXX. XXXX ( XXXX XXXX ) [ XX/XX/year> ] XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) [ XX/XX/year> ] XXXX. XXXXI [ XX/XX/year> ] XXXX. XXXX XXXX XXXX [ XX/XX/year> ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} TRANSUNION : XXXX, XXXX, L XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TN XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS NOT A DUPLICATE. At this point XXXX you have dug yourself into a deep hole. I've given you opportunity after opportunity to simply resolve the issue of unwilling participation in your services. This will be the final complaint personally filed myself. I've outlined consumer laws that you're in violation of and you willfully disregard me. Throughout the duration of this back and forth i've suffered accumulative damages that you're responsible for. 

EQUIFAX & XXXX NOTE, if XXXX  can't furnish all details requested. YOU are also going to be held accountable for willful negligent behavior with the violation of consumer law. There for you will also participate in the financial legal obligations of damage compensation. I've filled complaint siting law violations and you also ignored my request for detailed information by stating all is confirmed. If this complaint closes with this negative late payment account still being allowed on my consumer report. Please make sure your attorneys are made aware of every complaint filed up to this point. 

YOU ARE REQUIRED BY LAW YOU PROVIDE ORIGINAL CONTRACT FURNISHING ALL ACCURATE DETAILS OF DATE TIME AND LOCATION. YOU ARE TO SEND THIS INFORMATION TO THE CFPB FOR PROPER DOCUMENTATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company made a grave error that caused a devastating effect on my credit file. I already disputed these with the credit bureaus before but they refused to fix the error they 've made. Incorrect information such as wrong addresses, phone numbers, accounts, and inquiries has been reported in my credit file. All these information do not belong to me and should n't have been reported on my credit file. Despite my efforts on fixing these errors, these credit repository remained negligent and noncompliant. I only moved to XXXX XXXX XXXX, XXXX XXXX, CA last year and this is the only address associated with me. They only phone number that should be reported is my phone number ending in XXXX. This is the only phone number I ever had. Transunion is also reporting that there are inquiries from XXXX XXXX last XX/XX/XXXX and 2ND XXXX XXXX last XX/XX/XXXX. These inquiries are NOT VALID. There businesses do not have any lawful right to be on my credit report. I am not the person who the credit was pulled by these companies. This is not my account. I am a victim of this credit bureau 's mixed up files.. This company has mistaken me for someone else. This is my last effort to have this bureau fixed before I get a legal counsel involved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Card Services Attn : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Internal Revenue Service XXXX, XXXX XXXXXXXX Subject : Suspicion of Tax Fraud. 
Referral Report of Tax Fraud Information - Form 3949-A Acct. Ending in XXXX I am writing to bring to your attention a matter concerning my tax reporting for the year XXXX. I have not received a 1099-C form from XXXX and I believe this may indicate potential tax irregularities. 

I have not received a 1099-C form from XXXX despite anticipating one due to XXXX reporting acct. ending in XXXX as a charged off account to my credit file and having requested Form 1099-c several times through disputes. This has raised concerns regarding the accuracy of tax reporting. 

Due to this account reporting to my credit file as a charged off account and my request for Form 1099-c being ignored and unfulfilled I would like to report this information to assist in ensuring the integrity of the tax system. I believe there might be discrepancies that warrant further investigation. 

Exhibits to submit to IRS Form 3949a which is currently filled out ready to submit. 

CFPB complaint XXXX filed to XXXX on XX/XX/XXXX. XXXX response dated XX/XX/XXXX which states the company never issued Form 1099-c for credit card account ending in XXXX. The company states the account was charged off XXXX XXXX, XXXX. 

CFPB complaint XXXX filed to Equifax on XX/XX/XXXX. Equifax company response is on the complaint. 

CFPB complaint XXXX filed to chase XX/XX/XXXX. In the complaint I mentioned the account being charged off and how it needs to be reported as taxable income for the consumer. ( I need form 1099-C to accurately report to IRS. ) XXXX marked the complaint as duplicate. 

A letter addressed to XXXX with the point of contact being the CFO. This letter states the responsibility of the creditor to send Form 1099-c to the consumer for debt charged off over {$600.00}. Also, a request that XXXX send Form 1099-c to the address listed in the letter. 

The XXXX response letter which is attached to complaint XXXX is included.
Product: Debt collection

On XXXX XXXX had a message on her cell phone from XXXX and XXXX saying that XXXX XXXX must call about time-sensitive information on a debt. The phone number was from ( XXXX ) XXXX. My XXXX  didnt bother to call because she had a feeling that it was another spam call about a bogus debt. We had a previous experience like this that she reported a few years ago. 
The next spam call came through our land line from ( XXXX ) XXXX on XXXX. XXXX XXXX XXXX XXXX gave me a reference account number of XXXX. The collection of debt of XXXX XXXX was for around {$1500.00} for GE Money Bank. He said it had been passed through XXXX collection agencies and now landed with XXXX and XXXX. I told him I had my doubts and that I would report this if it turned out to be a scam. I hung up with nothing more being said. 
On the same day there was a second call on our land line from ( XXXX ) XXXX. Caller ID showed XXXX XXXX. No message was left. 
The next call came through my XXXX  's cell line from ( XXXX ) XXXX. XXXX mail said to call ( XXXX ) XXXX. She called the number ( to request a stop the calls ). She was told about the debt and again she let them know that if they were involved in a scam she would be collecting their phone numbers and turn them in to the Feds. They stuck to their story and put her through to a lawyer named XXXX XXXX. He got really testy about her questions. When she told him that her XXXX  had no unresolved debts, he realized that he was talking to XXXX XXXX  and not XXXX XXXX, so he told her he couldnt legally deal with her. She told him he wouldnt get any further with the situation if he didnt. He hung up on her. 
They called again from ( XXXX ) XXXX and left a message telling me that an XXXX of the XXXX  had been assigned to visit XXXX place of residence or place of employment between the hours of XXXX XXXX  to XXXX XXXX. If our attorney was not available to sign for this notice we should call ( XXXX ) XXXX before the end of the week of the notice. They said this message was proof that we had been notified and I could file a dispute through the court in XXXX  XXXX  of receiving notice. Since that date came and went we havent received any more calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first letter to the credit bureaus- Equifax, XXXX and XXXX reported on my credit report. If I understand it correctly, they are required to follow reasonable procedures to assure maximum accuracy. They never responded after several attempts of follow ups done. 

With that said, they were advised to investigate these accounts that I believe are inaccurate. That was MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. Please remove the accounts from my credit report. I have given them more than enough time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RI XXXX  You are direct violation of the Fair Credit Reporting ACT ( XXXX Account number # XXXX ) has violated Several my right. 
15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy.

15 U.S.C1681 section 604 A Section 2 : ; it also states that I have the right to privacy.

15 U.S.C 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate accounts on my credit report with XXXX, TransUnion XXXX After the 30 day dispute I received an reponse to the credit dispute I ask for XXXX XXXX TransUnion to valadate The accounts through the physical verification of the original signed consumer contract which is required under frca section 609 a 1 A and they did not ..
Product: Debt collection

I am writing to address a concerning matter regarding my credit file. I have noticed a collection entry from your agency, which has surprised me as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. According to the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

XX/XX/2017 -- Called USAA to set up 60 month pay off agreement. Was told will have to go through income verification worksheet. Was told that a payment is needed within 15 days of agreement, I notified rep that I would call back next week so I would be able to comply with the 15 day payment agreement. 
XX/XX/2017 -- Called USAA to set up this pay off agreement previously mentioned. Went through the financial information with associate. I was told that my income met the guidelines, however because my account is 4 months overdue, I would not qualify for a long-term repayment plan. I repeated what rep told me last week and was told that it must have been an oversight. The current representative I was on the phone with told me that I he saw what was notated on the account and agreed with me. He transferred me to a supervisor voicemail and said that I should receive a phone call back before the end of the business day. Representative offered me two other options : 12 month payments of {$64.00} and would go back to normal interest rate even though the account is closed. I could also make three payments of {$160.00} and bring the account current, however it would remain closed. 
I am getting the run around, meanwhile they continue to rack on fees and interest while I am legitimately trying to get my finances in order with them.
Product: Mortgage

XXXX  XXXX XXXX failed to abide by the National Mortgage Settlement of XXXX and modify our second mortgage after our first was modified. We had to file a complaint with XXXX  XXXX  who then took our first mortgage from XXXX, modified it, and sent it to XXXX for servicing ( XX/XX/XXXX ). We were then instructed by XXXX  XXXX to follow through with the modification of the second mortgage with XXXX who had to modify it based on the first qualifying. XXXX  XXXX XXXX would not speak to us and just repeatedly sent us modification packages which they repeatedly lost when returned. In XX/XX/XXXX, XXXX finally spoke to us on the phone to tell us they sold the mortgage to XXXX and no longer had interest. We received a letter from XXXX informing us but did not hear from them again. XXXX  then sold the mortgage again in XX/XX/XXXX to a private investor, XXXX XXXX - who has now served us with foreclosure papers as well as a statement charging interest back to XXXX. We have tried over and over through the years to get XXXX to modify but they just ignored us. Planet Home Lending is servicing the second Mortgage for the private investor  and we are trying to get them to agree to settle on a reduced payoff. They want us to pay a lump payment and then make payments for the life of the loan. We do not feel this is just as XXXX did not abide by the National Mortgage Settlement. 
Where are our rights? The National Mortgage Settlement was put in place for people like us and XXXX gets to violate a federal settlement.
Product: Credit card

I log into XXXX selected an item to purchase and clicked on type of payment. I have a paypal account that is linked to my bank account. Generally I have a residual balance in my XXXX since I receive payments from family members. Evidently, I clicked on use your XXXX credit thinking it was my residual balance and the next thing I know I get a nasty letter from XXXX saying I have n't made a payment on my account. 
WELL ... ... I never opened a paypal CREDIT ACCOUNT. I have just a regular account that is linked to my bank. So in essence it 's the same as using a paper check but done electronically. This has the advantage of being much easier and secure on the internet. 
I call paypal and they took the amount due XXXX out of my paypal regular account forgave the {$25.00} late fee and closed the account. MY PROBLEM is this reflected in my credit score and history for opening an account I NEVER authorized having a late payment ( which I never have ) and closing an account. This problem is more common that you might think because of the way the " HOW DO YOU WANT TO PAY '' screen. 
I want these transaction removed from my history and XXXX to get their hands slapped.
Product: Debt collection

My attorneys office had sent a letter to portfolio recovery. Since the letter has been sent ( early XX/XX/2020 ) I have received about 18 calls from them. I have to ask why they are calling me. Is all I get is who they are personally. Not who they represent.