23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am a victim of identity theft and someone has access to all my personal information including SSN, DOB, driver license information, passport number and all my records. My paypal account was unable to close and I have made several attempts to call agents from paypal account, which seem like malicious actors impersonating as paypal representatives. I received an email from XXXX stating my account is closed, but the email template does not look like the usual paypal email. I am also experiencing issues with credit companies. I am unable to get a hold of fraud department due to the calls not going through with an error message or tone or automated system difficulties that are spoofed and telephony. I am dealing with a group of hackers that are deliberately harassing and monitoring my activity. I need you to investigate the situation with my paypal account and the emails from paypal. I am also reporting that the issue with unable to contact credit beaureaus ( XXXX XXXX XXXX ) to request a fraud alert on the accounts needs to be investigated.
Product: Credit reporting or other personal consumer reports

I have submitted 3 letters on 3 separate occasions with the most recent letter XXXX informing XXXX, Equifax and XXXX that this account XXXX does not belong to me. I was the victim of identity theft. I have requested all documentation regarding this account including anything that bears my signature. As of this date XXXX I have not received a response nor any documentation in regards to this account.
Product: Debt collection

This CFPB complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that you, Experian, block information appearing on my credit report that is the result of identity theft and fraud. 
Details of Fraudulent Activity : The fraudulent information includes : A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/year> under account number XXXX I have attached a copy of my credit report maintained by you which shows the aforementioned fraudulent items. 
Identity Theft Verification : I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) with Case Number XXXX. A copy of the report is attached as proof of identity theft. 
Demand for Relief : I request that you, Experian block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). 
Contact Information : Please send all written confirmation regarding this CFPB complaint to my email address : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have told XXXX  the law says it is illegal to report transaction history. I have relayed that information to the Credit Reporting Agencies as well. Per the CFR, Fair Credit Reporting Act and the Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ON XXXX/XXXX/2016 I discovered a debt owed to XXXX on my credit report being reported by Transworld Systems. I found this strange since I always pay my bills and never was notified that I owed XXXX any monies. Upon contact TSI, I advised them of the situation, to which quickly we figured out they had an incorrect address for me. Clearly, this meant I was never properly notified of the problem. Should I have been notified of this bill and the impending credit reporting I would have paid it and avoided any credit reporting or continued collection attempts. I remain adamant that their failure to notify me in any capacity, phone/mail/email of a potential adverse remark being placed on my credit report is not in compliance, and request they allow me to rectify this without the penalty of it being on my credit report for 7 years. I demand they properly notify me of the balance and allow me 30 days to pay before it reports on my credit reports like every other consumer is afforded that right.
Product: Mortgage

We sold our house and closed XX/XX/2021. My title company confirmed payment was received and payoff was on file with my mortgage servicer, CMC Funding, on XX/XX/2021. 

However, CMC Funding continued to autodraft money out of by bank account on XX/XX/XXXX. 

When I contacted CMC Funding, they said it would be weeks before they'll refund me the money and they would not commit to returning the entire amount they removed from my bank account after my mortgage was paid off and closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Credit Karma Subject : Dispute Regarding Discrepancies in Credit Report Information Dear Credit Karma Team, I am writing to formally dispute the inaccuracies in the credit report information displayed on my Credit Karma account, specifically regarding the data sourced from XXXX. 

Upon reviewing my credit report on Credit Karma, I noticed that it shows 15 inquiries associated with my XXXX account. However, when I logged directly into my XXXX account, I found that there are zero inquiries listed. This significant discrepancy raises serious concerns about the accuracy of the information provided by Credit Karma. 

Credit Karma claims to obtain its credit report information directly from XXXX. If this were true, the information shown on both platforms should align. Instead, I am faced with conflicting data : Credit Karma displays a credit score of XXXX, while my XXXX report indicates a score of XXXX. This further emphasizes the inconsistency in the information being reported. 

To provide more context, here are additional details from my Credit Karma report dated XX/XX/XXXX : - **Name : ** XXXX XXXX XXXX XXXX XXXXCredit Score : ** XXXX ( Calculated using XXXX XXXX XXXX - **Employment Info : ** Renewal by XXXX ( Self-Employed XXXX EMP ) - **Addresses Reported : ** - XXXX XXXX XXXX XXXX, XXXX, CA XXXX - XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Overview XXXX ** XXXX **Real Estate Loans : ** CRB/Credit Rent Boos - Reported : XX/XX/XXXX - Balance : {$0.00} ( In good standing ) - Opened : XX/XX/XXXX - Payment History : 100 % of payments made on time **Inquiries on XXXX Report : ** While Credit Karma lists 15 inquiries, my direct XXXX account shows none, further questioning the reliability of Credit Karmas reporting. 

Given these discrepancies, I would like to understand why there is such a divergence in the information provided by Credit Karma compared to what is presented by XXXX. I believe it is crucial for consumers to have access to accurate credit information, and the inconsistencies I have encountered are concerning. 

I kindly request that you launch an investigation into this matter and provide clarification regarding the source of the information reported on my Credit Karma account. Additionally, I would like to discuss potential compensation for the incorrect reporting that may have adversely affected my credit profile. 

For your reference, I have attached screenshots of both my Credit Karma report and my XXXX report, highlighting the discrepancies mentioned above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX : 1. Screenshot of Credit Karma report 2. Screenshot of XXXX report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom i t may con cern, After carefully reviewing my  XXXX  credit report i notice navient have  XXXX  accounts with the same balance amount of {$9900.00}, same dates and late payments which mean navient is reporting the same account 2 times on my  XXXX  credit report. I am requesting my credit report is updated with the correct information or send me my loan documents showing i owe navient {$9900.00} for  XXXX  accounts.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX   XXXX
Product: Debt collection

In approx. XX/XX/XXXX I was in the XXXX hospital for a XXXX   XXXX XXXX XXXX. After one week I had to learn to walk again. Someone from XXXX XXXX   wanted to know if I needed or wanted a walker. I told them, only if Medicare & Medicaid would cover it. They came back several hours later & said it was covered. I went home & approx. 1 year later in XX/XX/XXXX I received a letter from XXXX XXXX XXXX. that I needed to pay {$120.00} for the walker. I called them & talked to the manager who told me that I am responsible for the debt. because she had reimbursed Medicare & medicaid for the amount because it was a work comp. claim. I told her it was not & she said " Yes it is ''. I told her it needs to be re-filed to Medicare & Medicaid but she said NO. I told her I will not pay it so she sent it to AAA collections. I sent a letter to AAA collections & XXXX XXXX XXXX. to cease & disist but AAA collections continues to call & send notices 4 years later. I have talked to several people at AAA but to no avail. I have told every person there that I talked to about this but got no where. Right before XXXX XX/XX/XXXX I spoke with someone that said they would try to resolve this because it has been so long but all they asked for was my credit card #, Bank statements, & Tax forms.
Product: Debt collection

I would like to get a validation letter, and see the errors from this account reported on my credit removed.

I will provide a list of account under the same circumstance. 

XXXX XXXX XXXX XXXX XXXX  collection {$76000.00} XXXX XXXX XXXX XXXX Collection {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX {$3800.00} ( I went in person to this office and they say this will be removed ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$210.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$2900.00} XXXX XXXX XXXX Charge-off {$150.00} XXXX XXXX Charge-off {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union removed  7  inquiries off of my credit report and added them back without sending a written notification of them being placed back on my report!
Product: Mortgage

Roundpoint erroneously increeased mortgage payment, then created a suspense account to make payments seem late and charged late fees. 
Tho Roundpoint has admitted in writing that it had no basis for increasing monthly payment and that its action was an error, it refused to correct the payment history despite numerous oral and written requests to do so. Instead it erroneously applied two payments in excess of the amount due to one month. Then they erroneously applied all subsequent payments, which actually were received prior to the due date, as if they were paid in arrears, created a " suspense account '' charged late fees, and continue to demand money in excess of what they are owed under the promissory note.
Product: Checking or savings account

XX/XX/XXXX We dropped off a check to one of our suppliers. 
The supplier mailed the check to their headquarters. 
XX/XX/XXXX We reconciled and everything looked correct because the amount and check number matched our records. 
XX/XX/XXXX Our supplier sent us a notice saying our account was overdue. 
XX/XX/XXXX We did some research and noticed someone forged a check. It had the same date, check number and amount, but the check was not our check and the name was a person who we do not know. 
XX/XX/XXXX we received a notice in the mail saying that they were not assisting in the claim because they only assist in claims that happen with 30 days. 

This doesn't make any sense to us because they cleared a check that they should not have and it is 100 % a mistake they made, but they are unwilling to help.
Product: Mortgage

The lender appears to be subjecting penalties on Veterans who invoked forbearance protections in violation of the VA and the Cares Act and Public Laws 116-33 & 115-174 When a new cash out refinance loan exceeds the amount of the original loan principle, seasoning of the loan does not apply per 38 USC 3709 ( d ). 

On XX/XX/2022 I applied to refinance my {$190000.00} loan with a new {$310000.00} cashout refinance. 

The lender insisted I needed to show evidence of my forbearance agreement and 6 months or 210 days of payments. 

When I explained to the lender no seasoning is required under the exception for cash out refinances, the lender stopped processing my refinance after running my credit report. 

It is predatory to Veterans for lenders to apply seasoning to all VA loans in violation of the statutory rights to the cash out refinance seasoning exception.
Product: Credit reporting, credit repair services, or other personal consumer reports

They make it very difficult to cancel their reporting service. 
1 ) There is no online option to cancel the account. ( Its easy to sign up for the account though ) 2 ) Had to wait for 3 hours on the phone to get someone. 

Its the worst experience I had canceling my account compared to any other organization.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Debt collection

I explain to them thats not my account and I never open this account ever but they never believe me
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : XXXX - XXXX - Delivered XX/XX/XXXX, XXXX XXXX XXXX XXXX - Delivered XX/XX/XXXX, XXXX Experian - XXXX - Delivered XX/XX/XXXX, XXXX
Product: Student loan

On XXXX XXXX, XXXX, I submitted a CFPB complaint against ECMC for fraudulently and illegally garnishing my wages ( CFPB Complaint # XXXX ). In response, ECMC never provided debt validation, posted my own Notice of Intent to Sue in place of an explanation and claimed that it was keeping the " trade line '' on my Credit Reports, even though it blatantly failed to abide by the FCRA, FDCPA and California XXXX XXXX. My credit report erroneously stated that I had a loan from the lender of " University XXXX XXXX XXXX '', which is not a lending institution, financial institution, nor bank. ECMC then claimed that it was collecting funds on behalf of the University XXXX XXXX XXXX, even though ECMC was not the lender, servicer, nor guarantor. I checked my Experian credit report on XXXX XXXX, XXXX, and I have found that ECMC no longer lists itself as a " trade line '', for supposed loans obtained in XXXX to XXXX, but now lists itself as a new loan originator, with XXXX loans originating in XXXX. I did not attend college in XXXX. I did not take out loans, and I did not contract with ECMC. I never received loans from ECMC, nor any organization affiliated with ECMC. It is clear that ECMC is insistent about wanting to take money from me, even though it has not met its burden to provide proof of the existence of a debt. They are engaged in illegally altering my credit reports, and they are actively engaged in fraud. Further, they contacted the University XXXX XXXX XXXX and requested my transcripts, which is a violation of XXXX. The college provided my Student ID number, all personal data, and grades. All of this happened months AFTER filing a CFPB complaint ( XXXX XXXX, XXXX ). I attended college 12 years ago, and I have never heard anything about supposed loans and never received any documents. The more information I give via complaints, the more ECMC chooses to contact additional people and agencies. I WILL NOT tolerate this financial fraud. My credit score and credit report are the lowest they have ever been ; this is due to the fact that with a 22 year credit history, I now have XXXX " new accounts '' that are XXXX years old and all adverse. These XXXX new accounts were just added after I submitted my XXXX XXXX, XXXX CFPB complaint. I have attached each of the XXXX new accounts listed on my credit report as XXXX files. The process of filing police reports, contacting various agencies, and initiating a lawsuit, are all very time intensive, and the lack of recourse for such blatant violations is astonishing. Even through the crisis of XXXX, I have never seen XXXX in this condition, and it is simply horrifying. How many times does ECMC have to be sued before this will stop permanently?
Product: Mortgage

I attempted to make two payments today and someone in there customer service center keeps canceling my payments because they are trying to make me default on my loan
Product: Student loan

XX/XX/year>, submitted school misconduct application. With proof of school misconduct, included e-mail from the U.S. Department of education discharging federal loans due to misconduct. 
XX/XX/year> acknowledgment of receipt of application and placed in a 30 day forbearance. 
XX/XX/year> charged {$16.00} while in forbearance with another {$21.00} due XX/XX/year> XX/XX/year> application denied stating " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' XX/XX/year> submitted the school misconduct application a second time with additional documentation to help my case. 
XX/XX/year> received a reply stating We've already responded to a request for the same or similar information. 
Therefore, we will not be researching this specific inquiry further. 
XX/XX/year> e-mailed navient asking for a more specific reason for the denial and if I need to request another school misconduct application to submit my additional supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transaction several times about the inability to access my account, the reporting of inaccurate information, and the removal of an inquiry I did not authorize. I have sent letters, spoke on the phone, and submitted online disputes through a 3rd party. I have not received any information or proof of owing certain debts. Also, disputes have been pending over the 45 allowable days with no response. 
XXXX XXXX XXXX is inaccurately reporting late payments for XXXX and XX/XX/XXXX. 
XXXX XXXX XXXXXXXX is inaccurately reporting late payments and balance owed. The late payments are from XXXX and XX/XX/XXXX. The account was closed and paid. 
XXXX XXXX is inaccurately reporting a late payment in XX/XX/XXXX and balance owing. This account was paid and this dispute has been pending over 45 days. 
XXXX is reporting a late payment and I disputed this account for inaccurate information and it has been pending for over 45 days. 
XXXX XXXX XXXX XXXX has been in dispute for fraud for over 45 days. I have received no information about this account, not even debt validation or accurate reporting to so it is mine. 
I have asked them to remove an inquiry from XXXX XXXX XXXX from XX/XX/XXXX because I have not authorized any application from this retailer. 
These mistakes has a direct effect on my ability to receive loans and credit at a lower rate. I have been denied on occasions because of inaccurate information on my credit report.
Product: Credit card

My dispute is with Coinbase.com They have arbitrarily frozen all of the money I have added into the Coinbase wallet from my bank account XXXX XXXX. 

My case number is XXXX apparently they have frozen my ability to buy, trade, sell or withdraw all funds for XXXX  days. 

Each time I have asked why they change their reason and give me a new reason that makes no sense. I have done my best by purchasing the premium version of their service, upgrading to their highest account security level, emailing them documents of proof such as my legal identification and written affidavits. 

None id this evidence is enough for them, they tell me my account is under review and will take XXXX days minimum to review. 

I need access to my money, my family needs access to my funds and they are arbitrarily holding my funds because they do not like to do business with XXXX XXXX which I discovered through online research. 

I need my account unfrozen immediately and restrictions lifted.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights.

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: Money transfer, virtual currency, or money service

XXXX plan for my daughter at XXXX  XXXX  number XXXX unable to get money to call college fees despite hours spent on phone with my daughter and myself and multiple steps and forms taken. please help