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

**Subject : Complaint Regarding Charged-Off Accounts** Dear CFPB, I am writing to express my frustration and sadness regarding the handling of XXXX charged-off accounts on my credit report : XXXX XXXX account and XXXX XXXX. These accounts have been reported beyond the allowed time, which is a violation of **Section 605 ( 15 U.S.C. 1681c ) **. 

I am also concerned that they are violating **Section 611 ( 15 U.S.C. 1681i ) ** and **Section 623 ( 15 U.S.C. 1681s-2** ). I have been disputing these same XXXX items for the last 18 months, and despite my efforts, no updates or corrections have been made. This situation has left me feeling powerless and deeply affected my financial well-being. 

I kindly request that you review this matter in detail and help facilitate the immediate deletion of these inaccurate accounts. It is disheartening to continue facing these challenges, and I hope for a resolution soon. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am disputing inquiries that are being reported on all three of my credit reports. TransUnion, XXXX and XXXX. I did not authorize nor am I aware of any of the inquiries from the following companies. 

Hard Inquiries Inquiries that may impact your credit scores. These are inquiries made by companies with whom you have applied for a loan or credit. They may remain on your file up to 2 years. 

DATE COMPANY ADDRESS REQUEST ORIGINATOR XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXXXXXX XXXX XXXX XXXX  SOFT INQUIRIES DATE COMPANY DESCRIPTION REQUEST ORIGINATOR XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX Soft Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  Soft Inquiry XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  Soft Inquiry XXXX XXXX
Product: Student loan

1. As of XX/XX/2018 my Federal Loans disappeared from my acct. I double checked with navient and they couldnt find them. I had no way to pay them. I checked on student loans.gov to check if my loans were still active and with Navient. 
2. I then was blocked off the website. Now both private loans and Fed Loans are not visible online. I opt you for paper statements. I have no way of viewing my loans or paying them online. 
3. I have been calling them for over 3 months regarding website issues and they have done nothing. I have been harassed for payments but they do nothing to allow me to view my loans to pay them. I been told they have a note in my acct regarding my issues. But no one has helped me in 3 months.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act XXXX  Sam 's Club account has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I was at XXXX XXXX checking out and the clerk offered to give me a discount on my purchase if I opened a *store* card. I asked her to confirm that it was a store rewards card ( rather than a credit card ) and she did. She filled out the application for me ( asking me for my details ) and submitted it. I completed the checkout with no additional payment required, since she told me the opening bonus would cover the entire balance. 

I later checked my credit report with XXXX, and saw that they had opened a store credit card ( XX/XX/XXXX according to XXXX ) with Synchrony Bank and the amount that I had spent at the store was listed as past due ( the amount that should've been covered by the reward in the first place ). Since I had not knowingly opened a card, I was unaware that it existed up until this point, and obviously could not have paid the balance, nor did they contact me to make me aware of the late balance before reporting it to the credit bureaus. 

I contacted their customer service early in 2021 when I discovered the issue, and they referred me to their fraud department. The fraud department assured me that the balance would be zeroed and the account would be removed from my credit report. They instead closed the account and left it on my report showing paid and closed ( but previously past-due in XX/XX/XXXX ). I contacted them several times in the ensuing XXXX months and they repeatedly assured me that it will be taken care of, but to date it has not. It has been several months since my last attempt to resolve the issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in several fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

Account ( XXXX XXXX XXXXXXXX ) An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of this fraudulent account to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

inquires need to be removed due to fraud XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX ' Transunion 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 Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent my letter on XX/XX/2023 asking the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, many pieces of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have attached the credit report showing the inaccuracies and inconsistencies. How have the credit bureaus verified these accounts if they are showing so many discrepancies on fundamental pieces of information such as addresses, date account opened, balances. 
I asked the credit bureaus to share their method of verification and validation of these accounts, but they failed to respond.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns about potential violations of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) by [ Experian and XXXX ]. I believe my rights under these acts have been compromised in the following ways : 1. Lack of Consent : I have not provided explicit consent, whether verbal, non-verbal, written, or implied, for the sharing of my nonpublic personal information with credit reporting agencies or nonaffiliated third parties, which may constitute a violation of FCRA Section 604 ( a ) ( 2 ) and GLBA Section 6802 ( b ) ( c ).

2. Nondisclosure Option : I was not adequately informed of my right to exercise the nondisclosure option, as required by GLBA Section 6802 ( b ) ( c ).

3. Adverse Information Reporting : The reporting of adverse information that antedates the report by more than seven years, as specified in FCRA Section 1681C ( a ) ( 5 ), is potentially in violation of the law.

4. Inaccurate Information : I have reason to believe that the information being reported is inaccurate and not maintained with reasonable procedures, as required by FCRA Section 1681s2 ( a ) ( 1 ) ( A ) and Section 1681e.

In light of these concerns, I am choosing to opt-out of any services that involve the sharing of my nonpublic personal information with credit reporting agencies or nonaffiliated third parties. I kindly request the CFPB 's assistance in addressing these issues and ensuring that my rights are protected under the FCRA and GLBA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Receiving emails stating they have found accounts that they would like to add to the existing contract. 
When I reply back to customer service they have told me these things keep coming up on my file. 
The thing is the account or accounts they claim they keep finding don't show up on my files on my end, in any of the credit reporting agencies and I have all of them including XXXX. So where do they get the information the consumer does not have access to? 

So I ask and they respond with some sort of account number in some collections dept. 

So I respond back and then they send me an email sounding like it may belong to someone else. 
this is very disturbing. 
In the mail, they keep suggesting they can offer some sort of loan to cover the funding of the debts but again the confusion is how do they expect to negotiate a debt when they claim they don't have proper account info after it has gone to collections so they lead me to believe they can finance the whole operation through a third party they call a sister company. 
With the constant misleading and confusion, I am lead to believe something fishy is going on with the company. Maybe it the result of the recent lockdown and no one is actually doing anything but sending scripted autoresponders to address the issues but who the XXXX knows
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello To whom it may concern. 

1- PayPal allegations are false as they are not a partner with my business and they don't know the nature of my business. Copyright infringements and trademark violations stated by PayPal are

nonexistent. 
2- PayPal failed t
o provide a valid court order or a copyright/trademark infringement complaint to justify how they unlawfully seized my money. 
3- All disputes with my clients have been already resolved and the remaining balance was my hard earned money. 
4- My business activities were allowed under the law, the service I provide is legal. There is no law that prohibit the service provided to my customers. 
5- PayPal debited random amount from my balance that doesn't represent any genuine pre-estimate of loss or damages. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 
6- PayPal user agreement stated liquidated damages at {$2500.00} USD per violation and not per transaction. PayPal actions are considered a breach of their own agreements as they stole all my hard earned money and made my balance reached XXXX! 
7- I believe that I was deceived by PayPal as they failed to provide the payment service promised taking advantage of me as their customer to steal my money in a clear case of unjust enrichment. 

Looking forward to transfer my money back. 
Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am refiling this complaint to TRANSUNION. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit card

See just filed charge against XXXX for same reason - rejected credit by Chase Bank on XX/XX/XXXX, per CFPB Case # XXXX, Reference Number XXXX, XX/XX/XXXX, Chase Bank USA , N.A . and parallel charge XXXX application No. XXXX, XX/XX/XXXX. XXXX and 15 U.S.C. 1693 unclear and individual consumer rights failed to comply.
Product: Student loan

I consolidated my loans and began a wage garnishment with my employer on XX/XX/XXXX. They are taking 25 % out of my check every week. 

About a month ago, my wife, daughters, son-in-law and father began getting phones. A company said they needed to talk to me about a " loan '' or a " legal matter. '' Then, on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, saying that my federal student loans are currently in default. ( I thought I only had one loan. ) I'll attach a copy of this letter. That XXXX has hired them to collect, due to my being in default. 

Then, on XX/XX/XXXX, I received a similar letter from XXXX, alleging the exact same thing. The interesting thing is that there is no phone number on this letter. No way to contact them, except to write. 

I'm also going to attach a copy of the XXXX XXXX from XXXX XXXX XXXX  XXXX, showing that I paid {$2800.00} in interest through wage garnishment. I notice that it references " c/o Navient Post Claim Assistance. '' So Navient is now servicing my loan. 

I don't understand how two different companies can contact me, claiming they are hired by XXXX to collect a debt that is NOT in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland is falsely reporting a settled and closed account as open. They never investigated to see if the account was closed they just reported the account in Collections on my credit reports. I contacted them, but they never resolved the issue. I have attached a proof of payment. The account was settled by XXXX XXXX XXXX XXXX XXXX. They are a debt assistance group. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$760.00} {$760.00} XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, CA XXXX  ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my family no longer have our own home due to the constant credit issues. This account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account number is XXXX. I have sent disputes for investigation multiple times. But nothing has changed in regard of this account. I sent this account for investigation on XX/XX/XXXX through certified mail. It has been more than 30 days now, and my recent credit report ( XX/XX/XXXX ) still shows many inaccuracies and violations. A few being ; payment status says " paid " for XXXX but nothing for the other XXXX bureaus. I have proof showing that this was paid to be deleted even though it was wrongfully charged to me. I paid it just to get housing for my family in XXXX. I will attach the receipt and tracking number from the certified mail disputes. 

I'm requesting monetary relief per violation on this account and deletion. 
U.S. code 1681n ( a ) ( 1 ) ( A ) Tracking Number : XXXX XXXX XXXX XXXX XXXX ( TransUnion ) " " XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit card or prepaid card

On XX/XX/XXXX. i purchased some auto parts from XXXX XXXX. I purchased some new seats and controls for my truck. The total charge was to be {$700.00}. The owner said i had to pay {$300.00} to hold the parts then he would charge me the remaining amount after they confirmed they had the parts. It made sense to me. I soon noticed they charged me the same amount of {$300.00} four times on that date and went on to charge me 29 times more. I Called Barclay Credit card and informed them i suspected fraud. By then there had be 7 or 8 charges. The rep told me it was obvious what was going on and that the fraud dept would deal with it but i did not need to cancel my card at this time. After about {$8000.00} in charges Barclay agreed that they should cancel the card and issue another. No parts were ever sent to me. They were supposed to show up as freight on XX/XX/XXXX, signature required. Initially Barclay reversed the charges then later re-billed them to me. I ask several times to talk to an investigator to explain the situation. In order to do this you have to wait on hold for about an hour. This alone is stressful, especially since i have very very XXXX XXXX XXXX. I have never talked to an investigator for fraud from barclay. The owner of XXXX openly joked to me that he got me. I have never received any parts and i have been bill nearly {$9000.00} This is wrong and needs to be addressed. It just seems as if no one is really looking into this. I am a retired XXXX XXXX and i called the auto parts store several times. I called so much he began refusing to talk to me. The owner thinks this is all a joke and mocked me by saying we got your $ XXXX and you aint getting it back. Barclay fraud investigators should be equally as upset as i am. I am insured by law against such charges. What surprises me the most is that no one from Barclay as ever called to ask my side of what happened. Very disgusted in their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 XXXXXX/XX/XXXX.
Product: Mortgage

My name is XXXX XXXX and I believe that you have on file XXXX XXXX consent to speak with me regarding her account. I spent a great deal of time last night on the phone with one of your supervisors, XXXX, regarding this account and I think we have been given incorrect information. 



I

was told last night that when the servicing of this loan was transferred to you, it was transferred without a line for taxes to be escrowed, only insurance. Not sure whos mistake that was and no one seems to be able to tell me since this loan was escrowed for both taxes and insurance until it was transferred to you. The escrow account was not analyzed after transfer until XX/XX/XXXX when you sent the borrower a check for overage but did not inform her that you were no longer collecting for taxes. Then in XXXX XXXX XXXX you received notification that the taxes on the property were delinquent and you paid them. Again, no escrow analysis was performed and the borrower was not notified that taxes were not being collected. Another year went by and you were again notified that the taxes had not been paid, so you paid them again without notifying the borrower that anything was wrong. It wasnt until XXXX XXXX XXXX that you reanalyzed the account and notified the borrower that her escrow account had a HUGE shortage in it and you were increasing her payment from XXXX to XXXX, an increase of over 50 %. 



When I spoke to the supervisor last night I was informed that CFPB regulations prohibit spreading an escrow shortage over more than XXXX  months, this is not true. I was also told that XXXX XXXX could make principal and interest only payments and send in whatever she could afford extra to put towards the shortage and would not be considered delinquent on her account, this also is not true. XXXX XXXX attempted make the P & I payment last night while we sorted out this mess and the payment was rejected by the system because it was not the full amount due. 

XXXX XXXX understands that the taxes had to be paid and that the escrow shortage has to be repaid but can not pay the shortage over such a short period of time. Im sure that we can come to some type of agreement to spread the shortage over XXXX months for her considering the circumstances. Please advise how you would like to proceed as soon as possible. If we can not come to an agreement, my only other advise to her is to contact the CFPB and file formal complaints and seek the advise of a real estate attorney. Please copy me on all correspondence to the buyer until this matter is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I was told that the charge off on my credit file was accurate by all three credit bureaus. I asked them to please make sure everything pertaining to my credit report is correct. Iam disputing inaccuracies on all three credit reports. 
XXXX XXXX AccountXXXX date opened-XXXX, amount {$720.00}. Paid closed. 
XXXX-Account-XXXX date openedXXXX, amount {$5000.00}. 
XXXX-AccountXXXX date opened-XXXX, amount {$780.00}. 
XXXX XXXXXXXX XXXXAccount-XXXX, date openedXXXX, amount {$550.00}. 
XXXX XXXXXXXX XXXX-Account-XXXX date opened-6/10/2022, amount {$1000.00}. 
XXXX XXXXAccount-XXXX, date openedXXXX, amount {$300.00}. 
Please provide me these items I previously requested according to the FCRA laws. 
These Items are : Account information, amounts, full validation of each account, the original contract with my signed signature for each accounts, a payoff disclosure, interest rate disclosure, balance history and credit insurance by law.