23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

while shopping for a debt consolidation loan i applied at multiple institutions, till SOFI conditionally approved my application, this happened in XXXX. towards the end of XXXX i had to fix a problem with a document, after multiple calls trying to get my application looked at they told me the same thing the person was not at work. two weeks after i called every day so i could get it finish. today after my call they told me i was declined due to inquiries on my credit, since it took the a month and a half i got declined due to other applications i put in while waiting for Sofi to process mine. in short due to exceptionally poor service i received my time was wasted, costing me time and money. i feel like i was discriminated against due to my amount of contacting this institution.
Product: Prepaid card

I am the treasurer of the XXXX XXXX, a 501 ( c ) 3 organization that supports a local elementary school in XXXX, MA. On XX/XX/year> someone spoofed the email address of the XXXX president and requested a payment through Paypal. After subsequent email exchanges on XX/XX/year> at XXXXXXXX XXXX I initiated the payment in the amount of {$4800.00}. I received a call from the XXXX president immediately that it was not in fact a request from them. I contacted PayPal, could not get through to customer service on the phone so I filed a fraud claim with PayPal. I concurrently contacted our bank, XXXX XXXX. XXXX XXXX froze our account so that when PayPal attempted to debit the funds the following business day ( XX/XX/year> ) the transaction was rejected. PayPal have advised that there is nothing they can do according to the terms of the transfer and if we do not send the {$4800.00} to PayPal they will send this money for collections. PayPal has the bank account information of the individual who committed fraud and therefore has recourse to getting those funds back. They however are making no effort to do so. If they know a fraud has been committed then surely they have an obligation to help remedy the issue and should not be able to hide behind their terms and conditions at the expense of their customer. I am seeking assistance in getting PayPal to try to recover the funds so that I do not need to either XXXX ) pay out of pocket after being the victim of a fraud or XXXX ) create a deficit for the XXXX XXXX and therefore not be able to support the teachers, students and families of the school.
Product: Student loan

In XX/XX/XXXX I applied for an Income-Driven Repayment plan along with proof of my unemployment payments and submitted to my server Navient. On XX/XX/XXXX I received a letter indicating they were unable to process my IDR plan because I provide a proof of income but the document was not dated and that the document did not have a portion of it that was income taxable. On XX/XX/XXXX I resubmitted my original certification from unemployment with more dates, my weekly benefit amount, thr income tax withholding and payment issued. On XX/XX/XXXX, Navient sent me another letter stating what was on the first letter. I called Navient and they stated the print out from XXXX was not good enough and that I need to write down what I get from unemployment with the date that I wrote the letter included. I expressed that the document Government document was all I had to show my income and that XXXX restricts from printing certain documents. Navient told me that they would not proceed processing my IDR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer submitted a CFPB complaint ( ID # XXXX ) for experian on XX/XX/XXXX which is provided as exhibit A. That complaint was made because i sent a dispute letter regarding accounts and didnt get a response. In the response to the complaint Experian stated that they did an investigation and verified that all accounts were verified as accurate. Experian is currently reporting that the XXXX  XXXX account open date is XX/XX/XXXX and the last payment date is XX/XX/XXXX which is provided as exhibit C. In exhibit B i have a statement from XXXX XXXXe stating that the date the account was open was XX/XX/XXXX and the last payment date as XX/XX/XXXX. This shows that Experian is currently reporting inaccurate information on my report after stating they verified everything reporting was accurate. This is not the time to update information due to that should have been done after the first letter was sent. Now that i have pointed out these mistakes, by updating information will be admission of XXXX There is no way experian could have done a proper investigation in accordance with 15 USC 1681i due to the inconsistencies coming after my first dispute. I demand that this account be deleted immediately or i will have no choice but to seek legal counsel in regards to the amount of Federally Violations under FCRA experian is currently committing.
Product: Credit card or prepaid card

I WAS CHARGED FOR SEVERAL CHARGES ON MY CHASE XXXX CARD AND I REPORTED THIS TO CHASE XXXX BACK WHEN IT HAPPEN AND THEY DID NOTHING TO HELP ME.. I WILL LIST THE CHARGES ; XX/XX/XXXX TIMESHARE XXXX XXXX-XXXX OLD CARD ENDING XXXXXX/XX/XXXX TIMESHARE XXXX XXXX OLD CARD ENDING XXXX XX/XX/XXXX TIMESHARE XXXX-XXXX OLD CARD ENDING XXXX PLEASE HELP ME GET MY MONEY BACK. I AM A SENIOR CITIZEN AND LIVE ON A FIXED INCOME.. THIS IS SENIOR CITIZEN ABUSE, AND ITS SAD THAT THEY DONT BACK THERE CLIENTS..
Product: Credit reporting or other personal consumer reports

I suspect fraudulent activity has resulted in unauthorized accounts being added to my credit report. Please block and delete these entries promptly.
Product: Credit card or prepaid card

Chime account compromised. My phone number kept being changed to gain access. Took {$1000.00} first but Chime investigates and credited it back after 2 days. Several days later my paycheck was directly deposited to account at midnight. A few hours later a security access code was requested and several minutes later the phone number associated with my account is changed. Then all my funds were consolidated from saving to checking to credit builder account. ( 10 ) Fraudulent XXXX XXXX purchases totaling {$1900.00} made on my credit card. Debit card was still in mail. Reported all to chime sent emails, various calls to Member services, Disputes. As of this moment my phone is constantly being changed and unauthorized. Only keeping account open for crediting back my funds. I will then close account. Help! Please!
Product: Credit reporting or other personal consumer reports

In response to CFPB Complaint # XXXX I have submitted the documents requested from Equifax. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Phico score is being ruined by Experian who continues to resell information without my consent continues to sell negative information for profit will not remove them properly recorded information. There is a company that are dragging my score in the mud the companies are looking for. The information report it is not accurate this has reported several times over several years. Tons of information is being re-posted I am denied the opportunity to have it removed from my Files even if it is beyond the debt limitation statutes this constitutes extortion. My Phico score is being ruined by Experian who continues to resell information without my consent continues to sell negative information for profit will not remove improperly reported information. There is a company dinner tracking my score in the mud the companies are looking for. The information reported is not accurate this has reported several times over several years. Tons of information is being re-posted I am denied the opportunity to have it removed from my files even if it is beyond the debt limitation statutes this constitutes extortion
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. 

FCRA violations : payments not late XXXX XXXX  XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Open. {$120.00} past due
Product: Debt collection

XXXX  XXXX XXXX account ending in XXXX. XXXX XXXX XXXX has reported a charge off on my credit report, without issuing a 1099c. ( 15 USC 1681 ). XXXX XXXX XXXX has sold my personal information to a non affiliated third party, which i have no contract with, which is identity theft. The third party is threating to sue for debt that has been charged off. 
This is a abusive debt collection practice. ( 15 USC 1692c ). This has caused me mental distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting late payment. Payment was never paid late. XXXX is reporting late payment to all 4 major credit agencies. Unfair practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Mortgage

I have my mortgage currently with Nationstar Mortgage. In XX/XX/XXXX/XX/XX/XXXX, I was notified by Nationstar that my policy needed a floodi insurance policy attached and that if I did not provide proper documentation they would buy for me and charge me accordingly. XX/XX/XXXX, I faxed a policy overview of flood insurance my HOA had secured for its tenants and for which I paid for already. When I called the Nationstar customer service to confirm they received my fax, I was told I sent only XX/XX/XXXX-XX/XX/XXXX and then needed XX/XX/XXXX-XX/XX/XXXX as well. So I sent the requested proof to them in the same month. Skip forward to XX/XX/XXXX and I am told that my monthly premium is increasing XXXX dollars per month. I called the customer service because I was quite alarmed. The rep told me that it was Nationstar 's policy to hold 2 times the escrow amount in my escrow account for safekeeping. TWO TIMES. I told my friends and family this since I was upset and they told me that it was completely unreasonable and I should fight it. I called Nationstar again in XX/XX/XXXX to find out again why it was going up {$300.00}. The rep this time told me that I was misinformed and that they only withhold 2 MONTHS worth of escrow for safekeeping - fine, but still why the extra {$300.00} a month? After much searching we find out that they were withholding for flood insurance. The very same insurance I had provided proof I already had through my HOA. I told the rep that I had sent 2 faxes. The rep said he found the first one from XX/XX/XXXX-XX/XX/XXXX. I said I definitely sent a 2nd one for the current year and to check. He said that he found it but no one had updated the system to say that I had flood insurance and that Nationstar did not have to add it to my account. So I have been overcharged for someone 's mistake. And they told me they can fix the error but it will take 30 days to be corrected. So I asked technically for my next payment I will still have to pay the overcharged payment? They told me yes, but after the they reanalyze my escrow, my payment would most likely decrease since I have been overpaying.. I asked if they will reanalyze automatically when the money returns to my account. The rep, XXXX, told me that I would have to CALL THEM TO REMIND THEM BASICALLY TO THEIR JOB. Incredulous! 
I am now waiting for my refund.
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT.

I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION:  XXXX:   XXXX The heck is going on. I’ve contacted you guys time and time again since XX/XX/2017. You’ve removed the fraudulent accounts but I don’t know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and I’m only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX. REMOVE ALL THE LISTED FRAUDULENT ACCOUNTS WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. The inquiries that are unrecognizable and that I’m unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNTS LISTED AND INQUIRIES LISTED AS WELL. I don’t want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and I’ve asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list below has violated my rights. 

15 U.S.C. 1681 Section 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. 

XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  Account Number XXXX XXXX  Account XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance {$6400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX. The account that shows on my credit report is for XXXX XXXX. I have mailed Equifax, XXXX, and XXXX  a dispute to validate this information and have received the response that this information has been validated and belongs to me. They did not verify who they spoke with and how this information was validated. Below is the letter I sent to them on XX/XX/2020. 

XX/XX/2020 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days
Product: Debt collection

I tried applying for a bank account at XXXX XXXX and after getting my account, it was canceled as a result of XXXX collections against me. I have XXXX collections against me for {$350.00} from XXXX XXXX XXXX XXXX for trying to get out of a leasing contract that I signed the day before telling them I could not move in. I cancelled within 24 hours and they are trying to charge me {$350.00} for this. Then there are XXXX collections that are filed against me from Syndicated Office System for {$350.00} and {$450.00}. I have no idea what this is for, nor have I ever been contacted by them. This is ruining my credit apparently and I have never even heard of these collections against me. Please help me! I need to get a bank account from XXXX XXXX before leaving the country at the end of this month and this is really a messed up predicament I am in! I found this article about XXXX online and I am guessing I am involved in this without even knowing ( http : XXXX ). Please let me know what I should do, what I can do, and any information that can help me! I greatly appreciate it!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX allowed XXXX XXXX to reinsert their account back on my credit report and not notifying me within 5 days of doing it XXXX XXXX account been deleted for sometime and out of no where it's back on my report with no explanation which ruined my credit score again ... I want XXXX XXXX to leave me alone that they already did enough damage to my credit report and not giving me due process