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

Hello : Here is a concise summary of what has occurred. From XX/XX/XXXX to XX/XX/XXXX I took out three student loans ( Stafford, XXXX and Perkins ) in the amount of {$25000.00}. In XX/XX/XXXXthey were consolidated into one XXXX XXXX loan. In XXXX of XXXX I was diagnosed with XXXX. My doctor suggested that I get my personal matters in order as I would not be alive much longer. I had approximately {$20000.00} in personal debt and my student loans. So as to not leave my parents with this debt I declared personal bankruptcy. I was told by the judge that I could not include my student loans in a personal bankruptcy and would need to work something out with XXXX XXXX. After a number of conversations and completing an application including my Doctor 's signature and diagnosis, I was given a complete and total deferment of my student loans due to a permanent XXXX. I was grateful for this option. Almost 20 years later I began to receive collection notices about these student loans from various collection agencies. They were super aggressive and unforgiving. Unfortunately, I did not save any paperwork regarding these loans and their deferment. In fact, I did not keep any personal effects after my diagnosis. I was not planning on needing anything as I was given just months to live. I contested these loan collection efforts as these loans were Permanently Deferred in XXXX. My credit report suddenly had negative remarks and I am now limited financially. Loan Summary : 1 ) XXXX XXXX XXXX XXXX XXXX, Stafford Loan, {$14000.00} disbursed XXXX & XXXX 2 ) XXXX XXXX XXXX, XXXX, {$8200.00} XXXX XXXX & XXXX & XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, Perkins Loan, {$2500.00} disbursed at various times. On XX/XX/XXXX I completed an application to consolidate these loans under XXXX XXXX. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to the credit bureaus in regards to my credit report since XXXX. They have not responded to any of my disputes. I have sent mail and faxes. They continue to ignore my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the original creditors for months ago. I wrote XXXX TransUnion and XXXX 2 months ago and I have yet to hear anything from anyone
Product: Money transfer, virtual currency, or money service

PayPal -negative {$8500.00} XX/XX/2020 Transfer Paid with Balance {$8500.00} Transaction ID XXXX Seller info PayPal Note {$8500.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.
Product: Debt collection

Sunrise Credit Services reported on my XXXX  credit report as a debt collection account on XX/XX/20. This is a fraudulent account and I was a victim of identity theft. There is an identity theft report with each bureau which the account should have NEVER been reported on my credit file.
Product: Debt collection

Re : XXXX XXXX XXXX ss # XXXX ( Address listed at end of letter ) Your acct # XXXX Dear LVNV FUNDING C/O Resurgent Capital Services LP acct # XXXX XXXX I have recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ). I request the following information : The name and address of the original creditor and the current creditor. 
Verification of the debt amount you are seeking to collect. Including evidence that a contract exists creating the amount you claim is owned.

Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

Proof that the original creditor scrutinized the debt. 
Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided verification of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 






Page 2 ( LVNV FUNDING c/o Resurgent Capital Services acct XXXX XXXX proof of debt ) Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Michigan XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand these account must be verified or removed immediately  XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX  Account #  XXXX     XXXX   XXXX   XXXX   Account #  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, & XXXX 2021, I APPLIED for a Mortgage loan, Equifax Mortgage Services, LLC Ran this Tri-merge Report for XXXX XXXX XXXX for my XXXX Mortgage Demands with various Lenders over the past 4 1/2 years only to be Denied for being a XXXX Mortgage loan applicant. On XX/XX/2021 I contacted Equifax Mortgage Services, LLC and Requested for a Copy of my Required Tri-Merge Report under the FCRA. Dear Consumer Financial Protection Bureau Im Demanding the Immediate [ RELEASE ] of my Tri-Merge so I can prosecute and indict certain particular individuals within Equifaxs XXXX XXXX machine fore which Im suing Equifax for {>= $1,000,000} in Federal Court and their sister company, Equifax Mortgage Services, LLC. Director XXXX would immediately Forward me my Equifax Mortgage Services, LLC TRI-merge Report, Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALL EQUIFAX AND FILE FTC REPORT AND POLICE REPORT. THIRE IS 3 FRUAD Hard Inquiries. 

XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX I HAVE SEND EVERYTHING TO THEM. THEY TOLD BE IT BE REMOVE IN 24 TO 48 HOURE IT NEVER HAPPEN OTHER AGENT TOLD ME IS NOT SHOW IT HAS BEEN REMOVE BOUT IT STILL THIER. JUST NEED THIS 3 FRUAD INQURIS BE REMOVE. THAT IS ALL.
Product: Checking or savings account

In XXXX, 2021, a checking account was fraudulently opened with Wells Fargo Bank using my SS # and DOB. The second form of ID used on the application was a state driver 's license number which is not my license number. I have checked with my state 's Dept. of Transportation and the license number that was used does not exist in their files. 

Since this occurrence I have worked with Wells Fargo 's fraud management to close the account and have notified other appropriate authorities. But I do not understand how the account could be opened without a state issued ID that matched the other information provided to the bank. I have inquired with Wells Fargo about this and they refuse to answer this question. The inconsistency between the required forms of ID should have been a red flag. This leads me to believe there is not a thorough review of the all information that is submitted to Wells Fargo Bank during the online application process.
Product: Checking or savings account

I was notified from ssi that they were paid me from XX/XX/XXXX threw XX/XX/XXXX I wasn't aware of this until XXXX of XXXX because I got my ssi back but I wasn't aware they were still paying me my benefits because XXXX XXXX XXXX XXXX  and usually when u go to jail they stopped the benefits so when I called the direct express they hang up on me don't let me talk to no one they send letter but the number on the letter is disconnected 3 of the letter they were supposed to give me credit back with still haven't seen anything and they got multiple cases open when there should been one dispute been treated badly that alot of money I didn't get and I provided the jail rosters showing XXXX XXXX XXXX  and not to mention there were 3 cards mailed and they wouldn't let, me know the adess they have the worst service and I've almost had a break down and the ssi is the one who told me about the money so they told, ,me to do a dispute and I filed the dispute in XX/XX/XXXX and they still won't assist me there all over the news ect from stealing people money this is government money as well as mine can someone help me
Product: Debt collection

someone opened a XXXX XXXX credit card account in my name Account Number XXXX Portfolio Recovery Associates Amount of debt {$380.00} I have field a police report with the XXXX XXXX XXXX XXXX 's Department XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit repositories should correct the XXXX XXXX XXXX  Loan XXXX on my credit report.
The correct information for XXXX XXXX XXXX loan is the following : 1. The last payment on loan XXXX was in XX/XX/XXXX. 
2. The loan XXXX was accelerated in XX/XX/XXXX, there were n't any monthly payments due after XX/XX/XXXX.
3. The last activity on loan XXXX was in XX/XX/XXXX.
4. XXXX XXXX XXXX DID NOT transfer/sell loan XXXX in XX/XX/XXXX. This remark should be removed from my credit report.
5. The current status of loan XXXX is not 180 days past due or 120-149 past due. The CURRENT STATUS of loan XXXX should not reflect any past due payments.
6. The loan 's current status should reflect XXXX amount due, XXXX monthly payment, and no payments due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the Equifax hack and I am filing a complaint against Equifax for improperly caring for my protected information and that information being used to potentially harm me or steal from me.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I, XXXX, XXXX am submitting a formal complaint against Equifax Information Services LLC. on XX/XX/XXXX. This complaint addresses my rights to opt-out of credit reporting for the accounts outlined in my notice titled " Official Notice of Revocation of Consent and Opt-Out under Gramm-Leach-Bliley Act ( GLBA ) and Privacy Act of XXXX. '' EQUIFAX is allegedly in violation of the XXXX XXXX, having willfully and negligently failed to provide the required notice to opt-out, as mandated by the GLBA. Additionally, EQUIFAX is purportedly in violation of the Privacy Act of XXXX and the Fair Credit Reporting Act ( " FCRA '' ) pursuant to 15 U.S. Code 1681a ( 2 ) ( i ). In light of these alleged violations, I am demanding compensation of {$5000.00} for damages incurred due to EQUIFAX 's willful violation of the FCRA. 

I respectfully request the CFPB to investigate EQUIFAX and enforce compliance with applicable laws and regulations. I anticipate EQUIFAX 's timely cooperation. 

Best Regards, XXXX, XXXX XXXX All Rights Reserved UCC 1-308
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX  credit report is not accurate have been paying all my bills and clear all my debt yet my credit score refuse to go up Equifax credit report is violating consumer protection law my score keep going down foe now reason this is madness XXXX  is doing the same thing violating consumer protection law
Product: Debt collection

Had a medical bill on my credit report from XXXX medical center at the time that the medical incident occurred had XXXX has having it taken off my credit more than once he keeps coming back on my credit report under different collection agencies the debt has been paid in full under XXXX if it has not I did have XXXX would like them to stop placing it on my credit report and a different agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed an inquiry on my credit report ( XXXX  ) with Capital One Auto Finance for an inquiry dated XX/XX/2020 but they have failed to respond. So I was able to uncover what company ( XXXX  ) the inquiry originated from with Capital One Auto Finance and obtained a document that request the removal of the inquiry.
Product: Debt collection

This account is time barred debt. I have written to Midland and contacted the credit bureaus several times to no avail. It is being reported on all XXXX credit bureaus. I have included how they are reported on my reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I filed a complaint against PayPal Inc. regarding my funds being frozen The complaint number is XXXX with the CFPB. 

PayPal responded through the Consumer Financial Protection Bureau portal and said that funds on Account 2 ( XXXX XXXX would be available for withdrawal on XX/XX/2020, and funds on Account 1 ( XXXX ) would be available for withdrawal on XX/XX/2020. Please see attached " PayPals Response to your CFPB Complaint.pdf ''. 

Yesterday, when attempting to withdraw funds from Account 1 (  XXXX ), I still get an error. Please see attached " error.jpg ''. 

I contacted PayPal through their customer service Message Center about this, and they replied stating that the funds would be held for 180 days and that I would receive an email when the funds would be available to withdraw. Please see attached " PayPalContact.jpg '' and " PayPalReply.jpg ''. 

Again, I would like PayPal to release the funds for Account 2 immediately as they promised so that I can avoid having to take legal action. It should have been available yesterday, XX/XX/XXXX, but there is no way for me to make the withdrawal and customer service is refusing to help. 

Thanks
Product: Credit card or prepaid card

Credit card was charged for other peoples XXXX XXXX that I do not know, reported it to wells Fargo and they put it " under investigation '', meanwhile I ordered a new card with new numbers and have NOT activated it. Now being charged for XXXX XXXX again on a card that is not activated that only wells Fargo know the information to the card.
Product: Credit reporting or other personal consumer reports

Attached to this complaint is my XXXX XXXX  Statement for proof of payment for the following XXXX  Installment Loan Accounts currently listed and showing on my Experian credit report : XXXX, {$2200.00}, XXXX, {$260.00} and XXXX, {$2200.00}. The accounts are paid as agreed and I want the XXXX accounts immediately deleted, removed and permanently blocked from my Experian credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. 
I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. 
Therefore, I kindly petition that you update my credit report to reflect these corrections. 

I believe that you are required to conduct a sensible investigation into disputed items. I request that you look into these accounts promptly and make the essential corrections. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification through my XXXX XXXX credit monitoring that a new account was added to my credit profile on XX/XX/2019 by Security Credit Services for the amount of {$1200.00}. According to my credit alert, this account was opened on XX/XX/2019. I have been diligently working for the last 5 years to repair my credit and this account has dropped my score almost 50 points. I have not received any form of communication about this debt, what so ever! There is no identifying information about the source of this account ; aside from the fact that I haven't opened any new accounts in OVER 5 years!
Product: Mortgage

I am a 100 % XXXX veteran who lost income during Covid which led to financial problems with my mortgage. I called Mr. Cooper in XXXX 2020 to see if they could help me since I had a VA loan. I was told there were no options for help and no one told me about the CARES act forbearance. I was unable to keep up on the loan because my job as a XXXX XXXX was devastated and eventually eliminated due to the pandemic and restrictions from XXXX and XXXX and my wife was out of work. I called back a few months later to ask again if there were any programs to help. The agents told me there was forbearance available, but they provided me with false information saying if I took the forbearance as soon as I was back to work I would have to pay the full amount back all at once. That seemed like a worse option than trying to get caught up on my own so I did not accept the program. I have since learned that is not how this program works and because of these lies I have been spinning my wheels for 2 years and had to file bankruptcy to stop the foreclosure sale of my home. 
If I knew the truth about the government mandated forbearance I would have accepted the program and once I was back on my feet worked with Mr. Cooper to find a reasonable and fair solution to reconcile the missed payments. I was never given this chance. I continued to check in every few months to see if there were options for help and was never given any options except for a repayment plan. Since I had begun working part time again I requested terms for a repayment plan but this option raised my payments almost {$400.00} per month and I could not afford it. A few months later when I was back on my feet financially I contacted their office again to be considered for all options such as deferment, loan modification or recapitalization of the late payments and again they told me the only option was a repayment plan with a monthly payment of {$2100.00} which was {$1000.00} more than my original payment. 

I cant believe that this is how Mr. Cooper treats veterans. I served in the XXXX XXXX for 7 years and was hit by an XXXX  while deployed in XXXX. I have had to undergo six reconstructive surgeries and have now been classified as 100 % XXXX. I contacted Mr. Cooper to ask for help, and their agents lied to me about how the XXXX program works to dissuade me from accepting that program they were required to offer. As a result of the obstruction of these programs I am $ XXXX behind and in foreclosure. 

I live in the home with my wife and XXXX young children. The VA recently increased my monthly benefits and my wife is going to school to be a respiratory therapist and is part of a work study program where she gets paid while training. Our hardship is resolved and we have the means to afford our mortgage payment. The problem is that your company has misled me and denied access to government programs that you are required to consider me for
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Please validate and provide method of validation to investigate this account with XXXX XXXX XXXX  and ask them to provide me with the validation associated with this account. I noticed that every month the company keeps reporting it as a Charge off ( CO ) which is resetting the account activity and re-setting the delinquency date creating different last activity dates on each report. After an account is charged off it is a dead account and no interest or activity should be completed on the account. Each credit report is showing a different last activity date which I attached in the complaint below. Lastly, I also noticed the difference in term duration on the loan for each report which I also attached below. XXXX reports the term duration as 1 month, Transunion reports it as 0 months, and XXXX reports it as 51 months, this is an inaccuracy. In the absence of not providing the method of validation, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ] [ 15 U.S.C. 1681 e ]
Product: Debt collection

I received a collection notice a few months ago from Linebarger Goggin Blair & Sampson, LLP and I immediately returned a letter to them disputing the debt. Today I received a XXXX collection notice as if they just ignored my first letter disputing the debt. The alleged debt is a Toll. I do not have a car with the license plate identified on the notice nor do I have a car in my name that has ever been to Florida.