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

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnionhas not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX/XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Product: Mortgage

I was affected by XXXX. I had XXXX and could not pay my mortgage. I am XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! I'm from the XXXX and a freelancer. I've been using Paypal for XXXX years and now, they're suddenly closing my account saying I'm engaged in selling XXXX content/materials which I'm not aware of. I've only been using Paypal to purchase games or for receiving salary from my US employer ( I'm working remotely ). 

I'm not sure if this complaint should go here, I just want to give it a try and make an appeal. I've asked them for the specific transaction they're flagging, but they keep saying that they can't provide further detail. 

I know you can help me out as this payment method is important to me for all my transactions as a freelancer. Thank you!
Product: Credit reporting or other personal consumer reports

I'am a victim of identity theft, my information was apart of the XXXX data breach
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Accounts in Question : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX : Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Pasted below is the correspondence I set the company Receiveables Performance Management of XXXX, WA. It describes what I believe is an incorrect attempt to collect a debt without providing any documentation or basis for the debt collection. 

Dear RPM, Re : Your letter of XX/XX/2019 Reference Number XXXX On XX/XX/XXXX19 you sent me a letter stating I owed a debt of {$170.00} to XXXX XXXX XXXX XXXX. I have no relationship with a vendor by that name. This is not a valid debt. Your attempt to collect it is incorrect. 

Please provide me with documentation to support your collection and confirm receipt of this communication. If you can not provide information to support your claim within 30 days I will file a complaint with the California Attorney General 's office and Consumer Financial Protection Bureau and may take further legal action without further notice to you ( except where required by law ).
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 XXXXXX/XX/XXXX
Product: Student loan

I graduated with my XXXX XXXX XXXX in 2001. The school I attended ( XXXX XXXX XXXX XXXX XXXX ) told all of their students to take out the maximum loan amounts, which I did. 
I graduated in 2001 with XXXX in student loan debt. 

I started to pay on my debt, but when I could no longer find a job that paid well enough to make full payments, I asked for income based payments. I was told I couldn't because the amount I made would not cover the payments. I was told my only option was forbearance. 
This went on for a number of years. I was willing to pay, but as the principle grew, so did the payment amount. Eventually, the forbearance option ran out. My principal amount owed is now XXXX. I am now in repayment but my payments are finally based on income. 
why was I denied this option until there was no other option? why was I denied this option until my principal nearly tripled making it near impossible to make payments? Interest rates drop for mortgages, banks, car loans but my student loan is over 5 % and now it has grown to be a debt that I may never be able to repay. 
I took out the loans. I owe the money. Yet the loan processing company ( Sallie Mae ), would only allow forbearance until it was no longer an option. there was no other choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

American Express debt collectors called me about an account that does not belong to me and is not associated with me. On the call, they gave me the name of the person they were attempting to collect a debt from. It is my understanding that in doing so they violated that individual 's privacy. 

The third-party debt collector then called my employer and notified my employer that they were attempting to collect a debt from me. Again, they were not actually trying to collect a debt from me, they were attempting to collect a debt from someone else ( not me ). 

I informed them of the mistake, both the third-party collector and American Express XXXX I was assured that my number and my employer 's number were removed from the system. This all occurred a couple of weeks ago. I was contacted again on the matter today. 

American Express and their third-party collection company have divulged personal information about one of their clients and they are harassing me.
Product: Vehicle loan or lease

On XX/XX/XXXX, my son asked me to co-sign for an RV.  I agreed to co-sign and completed an on-line application going to XX/XX/XXXX.  XX/XX/XXXX Finance Manager was going to review my online credit application and work to get my son and I approved.I submitted my online application to reflect that I am working as an XX/XX/XXXX making only $XXXX per month, $XXXX per year.  I was unsure how I would aid in financing as a co-signer with limited income, but did it anyway to support my son.I learned from my son that we were approved.  I was quite surprised, but thankful to support him.  On XX/XX/XXXX, I traveled to XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX, FL.  I learned late in the day that the co-sign was not possible that I would be the sole borrower.  I went into total shock as I was told by my son that it was a co-sign.  The RV Finance Manager had never spoken to me, texted me, arranged a conference call or emailed me to inform of this change.  I only make $XXXX a year and could not understand how I was approved for a loan that is over $XXXX per month.  I was in a mental state of XXXX and shock and did not make logical sense.  The finance manager did not go over the paper work, but had me sign in my distress.  When I returned home to XXXX, GA, I received a copy of the contract to learn that my loan had been approved with false income.  The online application that I submitted was confirmed by the VP of XXXX XXXX XXXX, XXXX XXXX and proof of my submission sent to me via email.  I have it attached to the complaint.  XXXX stated he would work with the bank to reverse the loan and we would work to return the RV, obtain back the $XXXX downpayment and he was holding my son's trade in XXXX XXXX   van with the wholesaler he had sold it to.  After XXXX  worked with Bank of the West to attempt to undo the loan , they stated that they would not reverse.  I continued to work with XXXX  with no resolution.I am a victim of a form of identity fraud, lending fraud and now have a XXXX debt that should have never been approved by the bank.  I was intentionally blindsided by the XXXX XXXX XXXX  They never briefed me on anything and only worked with my son and his ex-wife.  The bank should have audited my online application and confirmed the income to be valid.  Someone changed my gross income of $XXXX per month to be $XXXX net income per month.  I am unsure who was responsible for this, but XXXX XXXX XXXX did confirm that they terminated the Finance Manager for the wrong doings in this sales transaction.
Product: Credit reporting or other personal consumer reports

On numerous occasions, I reached out to Experian regarding inaccurate information reported on my credit profile. I filed disputes directly on their website, sent dispute letters via mail, and even authorized a third party to dispute on my behalf, all to no avail. Experian blocked and refused all attempts to verify the information on my file. 

When I attempted to file a dispute online as instructed, I received an error message indicating that this account had been disputed in the past. Despite sending disputes through certified mail to Experian, I have never received any communication or updates regarding my disputes, nor has my credit report been updated. When I authorized a third-party agency to dispute the negative accounts, Experian outright refused to conduct an investigation or verify the inaccurately reported accounts in my file. 

As a result, Experian has allowed debt collectors and companies with whom I have never done business to obtain copies of my report without my permission. These entities are reporting false and misleading information on my report, and Experian has refused my requests to investigate. They have also neglected to provide documentation explaining how the debts were verified, and they are blocking my access on their site to file disputes for these incorrectly reported accounts. Furthermore, they have failed to send documentation by mail detailing the results of these investigations and how they were verified with creditors. 

Recently, I discovered from a loan company that Experian has been selling my personal information to creditors without my consent or knowledge. This constitutes multiple violations of the law and my rights as a consumer. 

I have attached proof of said violation.
Product: Credit reporting or other personal consumer reports

Accounts are showing " charged off/purchased by another lender '' as well as late payments and past due. I requested proof and was neve provided with any proof.
Product: Debt collection

XX/XX/XXXX Contacted Acima leasing company advised they were charging me for a payment that was made in the 90 day buy out period spoke to a representee he took card information for last payment that i tried to make myself through auto system. I disputed with bank statements showing payment was paid company closed account put a higher amount on report, i sent several letters asking for the derogatory information to be removed from account advised them to stop reporting false information they continue to put false updated information on report. Final Payments were made in XX/XX/XXXX XXXX twice
Product: Checking or savings account

I notified Chase on or around XX/XX/XXXX XXXX of fraudulent transactions I have noticed on my debit card .The charges started XXXX XXXX in the amount of XXXX, XX/XX/XXXX XXXX in the amount XXXX, XXXX XXXX in the amount {$50.00}, and XXXX XXXX in the amount of XXXX. The representative stated that within 2hrs I should receive a provisional credit that day from the fraudulent charges. 
It is now XX/XX/XXXX XXXX and my account is negative with overdraft fees, account fees, and 1 charge has been reversed of XXXX.
Product: Checking or savings account

Company closed my account without notice. Refused to provide me account statements. Refused to allow me to dispute fraudulent activity. Laughed at me on the phone after I said I was on consumerfinance.gov filing a complaint against them. They have refused to allow me access to my funds. This bank is a total fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX 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

The following companies ran unauthorized credit inquiry on my credit report and the inquiries mentioned below are suspicious to me : XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX  XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1500.00} Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1300.00} Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$10000.00} Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$800.00} Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$2700.00}
Product: Student loan

I have contacted my student loan servicer several times to get a break down of the XXXX a month. How much is going to interest? I have much is going for collection fee? How much is going towards the actual loan? At some point I want to pay my loan off. I do want to make over payments, How much will actually go to the loan. On XXXX occasion they keep sending me a printout of the payments I have made. I have copies of that already. I want the detailed info so that I can pay this account off. I keep getting the run around. But no one can give me the info. Frustrated.
Product: Credit reporting

On XXXX XXXX, 2015, I attempted to submit a dispute regarding XXXX items on my TransUnion credit report : XXXX for XXXX Bank and the other for XXXX. I made it all the way to the uploading supporting documents for my dispute and hitting the " submit '' button, but at that time, I received a notice that TranUnion can not process my dispute online and that they would mail me information on how to complete my dispute via regular postal mail because my dispute required a " manual review. " I have made countless complaints against TransUnion and their practices, and as such, they have had me assigned to a " special handling unit '' each and every time I call. In other words, because I am exercising my right to complain about them, they are now retaliating against me by slowing down the dispute process and forcing me to submit my entire dispute by postal mail. 

This would n't be a problem ; however, in addition to their retaliation against me, this also slows down the dispute process and continues to negatively impact my credit file and credit score, as a result of mail time and manual processing, which is a complete lie on their part. 

There is no good reason why I can not have my dispute processed online like everyone else. TransUnion is directly retaliating against me because of the numerous complaints I 've made against them over the years, which now has boiled down to negative, inaccurate information remaining on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Product: Debt collection

In XXXX of XXXX I was contacted by mail by Phoenix financial regarding a debt of {$1700.00} for medical transport by XXXX XXXX XXXX at which time I directly contacted Phoenix financial by phone and they told me that the service was rendered in XXXX in XXXX XXXX California and was I was supposedly transported to XXXX XXXX XXXX  XXXX XXXX also in XXXX XXXX California as a result of a car accident and upper quadrant pain however not only have I never been to XXXX XXXX California but I've also never been in a car accident in XXXX explaining this to Phoenix financial I stated it apparently my identity had been stolen as my purse was stolen in XXXX with all my ID and everything in it Phoenix financial disregarded this so I attempted a dispute through XXXX credit which was also disregarded I made contact with XXXX XXXX XXXX XXXXXXXX XXXX where I was told they have no record of me ever being at the hospital ( included in the attached documents ). I did file I identity theft with the FTC as well as placing fraud alerts on my credit profile however the dispute was again disregarded.
Product: Money transfer, virtual currency, or money service

Albert app stole my last paycheck, twice over, charges me, left me with all of $ XXXX, and refuses to comply so I can get it back. After several calls, a total predatory scheme.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX due to a problem with Experians investigation. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting car. Experian violates my rights as a consumer, as well as federal laws.
Product: Student loan

Starting in XXXX 2016 my husband and I have been receiving phone calls from XXXX, Capital Management Services wanting our social security numbers and birth dates. I asked them what this for, they said unpaid debt, and I told them my husband had a XXXX XXXX and has XXXX and to explain to me. I would not give them a ss number but did give a birthdate which was not his and told them to cease and desist. A supervisor told me they had the wrong party and they would comply. Now we are both getting these unrelenting calls again, days, nights, weekends several times a day. Now they say unless I give them ss numbers they will not stop. I said you have our address and to put this in writing. I ask where they are located to send a cease and desist and they will not give it to me. I am not releasing any personal information over the phone to Capital Management Services. I am assuming this is a college loan but I am really not sure what type of loan it is because they will not divulge any information to me regarding this collection. I ca n't describe my issue because I do n't really know what it is. Also, they do not have permission or authorization to use our cell phones. This is not our debt! They have the wrong people.