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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX UNI Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

There are multiple issues and infracations on reporting of my accounts detailed in a letter attached.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the united states. If executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 use 1621. This collection found within my credit report are not rolated to any transaction that I made. I am alleging that a person or company " without my authorization- used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, And XXXX XXXX XXXX Account XXXX XXXX Has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letters to XXXX, Transunion and XXXX on XX/XX/2022, respectfully requesting to be provided proof of alleged. debt accountss reporting falsely on my credit report, specifically requesting the contracts, notes or other instrument bearing my signature of accounts submitted and no proof was submitted to me. The results came back as " Updated '' only with no proof of so I am filing a complaint for their failure to comply with my request under federal law FCRA XXXX provisions.
Product: Student loan

My student loans are being managed through Mohela currently and I have been on the Public Service Loan Forgiveness plan for the past 10 years which means after XXXX qualifying payment working for a non profit, your loan is forgiven. I have submitted the proper paperwork to certify my employment for a non profit when it was due in XX/XX/XXXX as I do each year, my employer has not changed since my previous submission. My account shows I have made XXXX out of the XXXX qualifying payments since XX/XX/XXXX, despite my monthly payment since this time, putting me at XXXX qualifying payments. I reached out to Mohela about this on XX/XX/XXXX and got no reply, so I reached out again on XX/XX/XXXX and was responded to on XX/XX/XXXX stating that my employment had not been certified since XX/XX/XXXX so they could not count my most recent payments. In my records I have a document of employment certification on XX/XX/XXXX that says processed while all my other documents uploaded say approved which means they have received the document but have not processed it which I have no control over. When I attempted to call and discuss this, the phone call says that the wait times are long due to an influx of calls and it could take a while to process. Due to this, I am still making payments of $ 1500 monthly that in no longer need to be making and when updating my Income Driven Repayment Plan recently, I was told my new payment would be starting in XXXX but for the month of XXXX I will owe {$5000.00} which I can not afford but Im afraid if I dont make the payment I will be penalized.
Product: Credit card or prepaid card

In XXXX of 2022, I used XXXX as the payment source for " XXXX  '', the XXXX, XXXX public transportation app. As the payment backing in XXXX, I used my personal Chase credit card. I used the " hvv '' app to buy subway and bus tickets for transportation. The seller for this service shows up in XXXX as " XXXX XXXX XXXX XXXX '' and on my credit card as " XXXX XXXX ''. The billing code that XXXX used to charge Chase is processed by Chase as a cash advance. This accounting error by Chase resulted in a {$10.00} cash advance fee for each ticket purchased. In the end, I was charged {$150.00} to buy public transportation tickets via XXXX ( the funding source of which was my Chase credit card ). 

Chase was unwilling to refund the cash advance fees regardless of evidence to show - through paypal receipts - that these charges were for public transportation tickets. I spent an entire afternoon trying to sort this out with Chase to no avail.
Product: Mortgage

Closing was set for XXXX/XXXX/2015. On XXXX/XXXX/2015, BOA 's home loan fulfillment rep unprofessionally and demandingly requested an additional, lengthy and extensive HOA report from the property mgmt co which we, the buyer, unknowingly had to pay {$280.00} for-after the initial HOA deadline had passed and all Colorado required HOA info was already turned in for closing. BOA employee was the one who forgot to request it so it was suddenly an emergency on the property mgmt 's part. On XXXX, BOA asked for more info from the HOA, which was provided. On XX/XX/XXXX, they asked for more info from the HOA, which was provided. On XX/XX/XXXX, they again asked for MORE info, which was provided on XX/XX/XXXX. ( I was told by the VP of the dept that handles HOA condo/co-op docs that they ca n't just review them on the drop of a dime when they are the same ones that requested them the same week of closing. ) Closing date came and went with NO ATTEMPT FROM BOA TO CONTACT THE SELLER TO TELL HIM HE COULD NOT CLOSE BECAUSE BOA DID N'T REQUEST THEIR OWN INFO ON TIME. I am now outside of the Amend to Extend deadline bc the BOA employees who request this info do n't look at it, return calls, etc. I am at risk of losing this deal BOA did n't DO THEIR JOBS. In fact, just today, I was asked for a HVAC repair receipt when that was completed and documented weeks ago. ( Why am I being asked for repair bills anyway when inspections are voluntary? And why am I being asked AFTER I should be closed??? ) EVERYTHING has been done from the HOA, buyer and seller 's perspectives to meet deadline, including the closing dates, and no one at BOA is doing their part. NO ONE returns calls, NO ONE tells us the status, we ca n't even sign an Amend to Extend because we do n't even have a date to offer bc no one seems to care if/when we get final settlement # s ... including up to and past the day of closing.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account NUMBER : XXXX Account Number : XXXX Account NUMBER : XXXX XXXX Account Number : XXXX Account NUMBER : XXXX XXXX  Account Number : XXXX Account NUMBER : XXXX Account Number : XXXX Account NUMBER : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Khols was sent a letter of dispute. After review of my credit reports, Kohls has not marked my account as disputed as required by the FDCPA
Product: Mortgage

I send the company a cashier 's check and the just keep the payment and keep asking for payment.
Product: Mortgage

I was told Bank of America was not able to obtain my XXXX tax transcript I called the IRS on XX/XX/XXXX and spoke to XXXX XXXX XXXX ext XXXX ) who confirmed my XXXX tax returned was filed and the transcript is in the system but her computer was not allowing her to send a copy to me so she said to call back to get someone else, I called 5 times that day but could not get through because call volume was too busy. 

I called the IRS again on XX/XX/XXXX and spoke to XXXX XXXX ( ext XXXX ) who confirmed my XXXX tax returned was filed and was in the system and she could mail a copy to me. She could not fax or email A bank of America representative was on the phone with me and heard the IRS lady confirm and I asked her to note my file and escalate that confirmation. 

Please clear the issue of unverifiable income from the XXXX tax return issue when bank of America was alleging I did not file it but provided it to Bank of America causing a discrepancy Please contact the IRS to confirm and request a tax transcript, as soon as the paper copy arrives I will send it right away to Bank of America I filed a CFPB complaint and Bank of America assigned my loan to XXXX XXXX who was very helpful. She was working on clearing a quality control issue regarding my income where they kept stopping me from being reviewed for assistance. 

The other issue is per the CFPB all mortgage servicers are required to review everyone who was in the COVID forbearance for assistance to be brought current. Bank of America never reviewed me because of their own policy with the unverifiable income flag on my account which was and is in error verified by the IRS She called me and said the foreclosure was put on hold and there was not sale date to give them time to work on clearing this issue since my income is from VA military XXXX and social security only and is very easily verifiable. 

This was confirmed as far back as XX/XX/XXXX and they gave me my case number and her direct fax As of today there is still a foreclosure sale date and it should be canceled per XXXX XXXX communication
Product: Money transfer, virtual currency, or money service

I am filing a complaint against PayPal regarding their handling of fraudulent transactions involving a scam artist. On XX/XX/XXXX and XX/XX/XXXX, I transferred a total of {$800.00} to an individual I later discovered was a scammer, believing them to be a legitimate tattoo artist. Upon realizing the fraudulent nature of the transactions on XX/XX/XXXX, I contacted PayPal to report the scam and request a refund. 

Despite providing evidence of the scam and requesting a refund, PayPal determined that the transactions were not fraudulent and denied my request for a refund. I believe PayPal 's decision was unjustified and inadequate given the circumstances. 

Action Requested : Investigate PayPal 's handling of fraudulent transactions and their decision-making process for issuing refunds. 
Provide me with a refund for the fraudulent transactions totaling {$800.00}. 
Implement measures to better protect consumers and improve the handling of fraudulent transactions in the future. 
I appreciate your attention to this matter and look forward to a resolution. 

Thank you. 

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

First Account ( XXXX XXXX ) : I am requesting the removal of this account from my credit report as it is fraudulent and the result of identity theft. I did not open or authorize any account with XXXX XXXX, nor did I consent to any transactions or agreements related to this account. 

Details of the fraudulent account : Original Creditor : XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Status : Collection account, {$1500.00} past due as of XX/XX/XXXX Balance : {$1500.00} I became aware of this fraudulent account when reviewing my credit report. I have not received any correspondence or billing related to this account. 

Second Account ( XXXX XXXX XXXX XXXX I am requesting the removal of this account from my credit report as it is fraudulent and the result of identity theft. I did not open or authorize any account with XXXX USA , nor did I consent to any transactions or agreements related to this account. 

Details of the fraudulent account : Original Creditor : XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection account, {$810.00} past due as of XX/XX/XXXXXXXX  Balance : {$810.00}
Product: Credit reporting or other personal consumer reports

Subject : Late payment Account # XXXX XXXXXXXX ; Account # XXXX I am writing to formally dispute a late payment entry on my credit report, which I believe is incorrect. Upon reviewing my credit report, I noticed that [ XXXX XXXXXXXX # XXXX ] reflects a late payment for the period of [ XX/XX/XXXX ], under account number [ Account Number XXXX ]. 

I respectfully request that you review and investigate this matter, as I believe this entry is inaccurate. 

Under 15 U.S. Code 1681e B- Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to my records, the payment for the aforementioned period was made on [ XX/XX/XXXX ] via [ cash deposit ] and was processed without delay. If there was any delay, I kindly request further clarification or supporting evidence from the creditor regarding this claim. 

Please update my credit report accordingly by removing this inaccurate late payment entry, as it does not reflect the true status of my account. 

Thank you for your time and consideration. 

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

CFPB Complaint Statement What Happened ( Statement of Pertinent Facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency , remove all fraudulent accounts and associated inquiries related to the opening of those accounts from my consumer credit report. 

The fraudulent accounts identified are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts and their associated inquiries are the result of identity theft and fraud, causing inaccuracies on my credit report. 

I have attached the following documents to support my case : FTC Identity Theft Affidavit XXXX Notarized Identity Affidavit, including a copy of my ID, Social Security Card, and Birth Certificate Confirmation of the XXXX XXXX XXXX Impact, detailing the exposure of my sensitive personal information I do not recognize the aforementioned accounts or inquiries, nor did I authorize their creation. These fraudulent items are the result of identity theft and fraud linked to my compromised personal data.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and fraud. There is an account on my credit report that does not belong to me. I have submitted a fraud report to the credit bureaus ( Experian, XXXX, and XXXX ) and disputed this account multiple times, providing all the necessary documentation, including proof of identity theft. Despite my efforts, the credit bureaus have refused to remove the fraudulent account. It is still being reported on my credit report, showing an outstanding balance that I am not responsible for. This error is negatively affecting my credit score and causing me significant distress. I am requesting the CFPB 's assistance to ensure that the credit bureaus conduct a thorough investigation, remove the fraudulent account, and correct my credit report. I have attached copies of all my correspondence with the credit bureaus, as well as my fraud report, to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX-XXXXXXXXXXXXXX, XXXX XXXX XXXX  Account # XXXX-XXXXXXXXXXXXXX, XXXX XXXX  XXXX Account XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXXXXXXXXXXXXXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with personal information listed under TRANSUNION and validation was requested as this was personal information that I did not recognize. I reviewed my credit report and I have not received any correspondence from credit bureaus to validate this personal information as correctly belong to me nor has my credit report been updated to reflect that the credit report is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates. The credit report continues to negatively affect me. Please strike and remove this address, phone number and employment from all 3 credit bureaus until adequate validation has been received proving that the personal information belongs to me and all information is correct.
Product: Credit reporting or other personal consumer reports

This is to follow up in regards of my ongoing frustration and disappointment concerning the persistent errors in my credit report, specifically related to the reporting of a late open account. Despite multiple attempts to correct this issue, the inaccuracies persist, adversely affecting my creditworthiness and financial standing. I initially disputed the late open accountS, providing all necessary documentation and following the prescribed dispute resolution procedures. Unfortunately, despite my repeated efforts, the correction has not been implemented, and the inaccurate information remains on my credit report. An account on my credit report is erroneously marked as having been opened late, despite evidence of a timely and proper account initiation. I hereby request an immediate and thorough investigation into this matter. I insist on the prompt correction of the late open account information on my credit report to reflect the accurate and verified information regarding the account in question. Additionally, I request a detailed written explanation for the continued error and the measures being taken to prevent such issues in the future. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$17000.00}.
Product: Debt collection

3 Accounts on my Credit Report have been reported by Jefferson Capital Systems. They knowingly purchased 3 accounts from XXXX XXXX that are from XXXX and reported to 3 major Credit Bureaus that they are opened in XX/XX/XXXX. This new activity has caused harm to my credit because it is considered new collections based of the date that they have reported. I do not own any accounts opened from Jefferson Capital Systems that were opened in XXXX. I have not opened any credit with any financial companies in XXXX from XXXX. 

Please remove these accounts because they are inaccurate. Inaccurate information does Not belong in my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX Is reporting a debt of {$130.00} on my credit report and I am unaware of ever incurring this debt. I want proof that I signed for this debt or be removed from my credit report.
Product: Debt collection

I am writing to formally dispute a XXXXXXXX XXXX XXXX XXXX that has been forwarded to collections under my name. This bill is associated with an address that is not my current residence, nor has it been for some time. 

To clarify, I currently reside in New York, and my updated address has not been the address associated with this bill. I believe there may be an error in recordkeeping or possibly a mix-up in account information. As a result, I am not responsible for the charges billed for that address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report on XX/XX/XXXX, it has come to my attention that Bureaus Investment Group has reported to all the credit reporting agencies such as XXXX, XXXX  & XXXX  that I'm not making any payments where in, XXXX XXXX XXXX, XXXX has forwarded my account to Collections which is XXXX XXXX XXXX amounting to {$5900.00}. Thereafter, the account was settled in the amount of {$2900.00} around XX/XX/XXXX. Settlement agreement stated that XXXX XXXX XXXX accepted the settlement amount less than in full account balance as long as the payments were made in accordance with the negotiated terms. As of present I never been late and still continue to pay XXXX XXXX XXXX {$170.00} every end of the month which comply to the payment agreement. From XX/XX/XXXX to XX/XX/XXXX, the total payments made was {$1500.00} and the remaining balance should be {$1300.00}. XXXX XXXX XXXX, XXXX should update their records in regular basis & correct all the discrepancy that reflects on my credit report. Original Creditor Is XXXX XXXX. 
On XX/XX/XXXX, I have contacted the XXXX XXXX XXXX to bring this problem and was told to contact XXXX XXXX XXXX since they are the one responsible in reporting the account to the credit reporting agencies. I did call XXXX XXXX XXXX but they have declined to help me and told me to cal XXXX XXXX XXXX instead because they are the ones who negotiated the account. I feel like a ping pong ball that time, people pass me through the other & the other pass me through another person. In the end I got no help. On the same day I have contacted all the credit reporting agencies such as XXXX, XXXX & XXXX to report the discrepancy on my account and advised me to submit requirements together with a formal complaint letter which I did the same day. 
I am requesting that the discrepancy stated above be thoroughly investigated and be corrected as soon as possible. I also request that XXXX send me a notice in writing that they have already fix the problem.