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

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via Credit Card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Wells Fargo 's services
Product: Credit reporting or other personal consumer reports

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/XXXX  Has reported on an old account from XX/XX/2014 that they charged off {$48000.00} on my account when Im fact they sold the asset and collected almost {$32000.00} and tried to collect the {$16000.00} from me. The account is reflected fraudulently on multiple credit reporting agencies and I have tried to dispute and get it corrected. 

They have since charged off the {$16000.00} but show it still to be currently open and they consistently update it affecting my credit rating when every other account I have had both prior to and since this is in exceptional standing.
Product: Debt collection

PAYPAL INC ( CALIFORNIA SECRETARY OF STATE NO. XXXX ) XXXX XXXX  XXXX XXXX C/O CORPORATE LEGAL DEPARTMENT XXXX XXXX CA XXXX XXXX XXXX ) XXXX PAYPAL CREDIT XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX PA XXXX ( XXXX ) XXXX I mailed Paypal was sent a Cashiers Check dated XX/XX/year>, serial no. XXXX for {$100.00}. 

I received a text message and a phone call from Paypal saying that I still owed money even though I made XX/XX/year> ( {$100.00} ) and XX/XX/year> payment ( {$110.00} ) and they charged me {$29.00}. 


I called XXXX XXXX on XX/XX/year> and they stated to me that this check has already been cashed and came in with a stamp by the merchant XXXX XXXX  - XXXX - XXXX XXXX XXXX w Absence of Payee 's Endorsement Guaranteed Posting Date XX/XX/year> On XX/XX/year>, I spoke to a XXXX XXXX representative who told me that this check matched has been matched as cashed by the serial No. XXXX and was processed for payment for {$100.00} on posting date of XX/XX/year> to the Payee ( XXXX XXXX  ). 

My speculation is that XXXX XXXX  received this payment for {$100.00} and could have posted my payment to another account. The bank says they cashed the cashiers check and did receive the money. XXXX says they didn't get the money. Meanwhile continuing to charge me late fees.
Product: Debt collection

I have sent several letter to Account Resolution Services ARS XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX. Fl. All 3 letters were sent VIA US postal services Certified Mail and receipt were returned. I have asked that they proved a letter of validation however they keep sending me bills. 1st letter sent XX/XX/2019 next letter XX/XX/19 and last letter sent XX/XX/19 I  have attached one letter of what I have sent. And ever time I send a letter they update it on my credit report with new amounts that decreased my over credit score with all three bureaus.
Product: Checking or savings account

I am an XXXX XXXX that opened a checking account with Chime Banks. At the time their digital platform didnt require valid identification therefore I was able to successfully open an account. After depositing my money into the account, Chime claimed that during routine monitoring of accounts on Chimes platform, we identified unusual activity. They ultimately closed my account when I couldnt provide them with a government-issued photo ID. At the time of closing my account, the balance was {$3500.00}. 

I have repeatedly asked them to refund my money by mailing me a check, but they have refused, citing that I need to provide a valid government id and other documentation that I don't have. This has become an impasse. 

Chime has created a mousetrap for illegal aliens to deposit their money and then require a government-issued photo ID and other documents that we can not provide. Chime is now holding my money knowing that I cant fight for what is mine. 

My position is that Chime should not be allowed to keep my funds, if they decided to change the requirements they should allow me to close the account properly and return what is mine. 

In conclusion, Chime bank is legally stealing from me. They should either issue me a refund by mailing a check to the address on file or send the funds to the State of Californias unclaimed property.
Product: Student loan

I was contacted by a company called XXXX XXXX XXXX about student loan forgiveness. They said they would be enrolling me in loan forgiveness program and consolidating my loan so I enrolled with them on XX/XX/2018 and gave them a lot of personal information. However, all they did was enroll me in a free income based loan repayment plan for a year. They charged me four payments of {$230.00} for this service I could have done for free I found what was going on on XX/XX/2018 and cancelled. If I had not cancelled I would've have been chard another payment of {$230.00} and then {$30.00} a month for 120 months for a " recertification fee '' for a service the government does for free.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have any affiliation or never done any business with the company. It is fraud completely & needs to be removed. Thanks so much.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly Investigate my disputes regarding inaccuracies in my credit report. Despite my submissions consistently responds with in XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigations of disputes.. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I reported in accurate XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a {$900.00} loan on XX/XX/year>. When I signed my loan documents online I thought the interest rate was 34.59 %. I felt the interest rate was high but I needed the money to pay my rent as I was in between jobs. After the first payment came out I noticed the loan payoff was {$970.00}. I called the company to ask why but I wasnt given a straight answer until I asked what is the interest rate. Thats when I was informed the interest rate was 595.79 %. I would have never taken this loan had I known the interest rate was that high. This is completely unfair lending practices and should be illegal.
Product: Credit reporting

I got an alert today from XXXX about a collections account. 
I logged on to XXXX to get the information. The company name is XXXX for XXXX Illinois. Address XXXX XXXX XXXX I do not live in XXXX nor did I authorize this account. I have a fraud alert on my report and I have no clue how someone is still able to gain credit in my name with a fraud alert. I want this removed ASAP along with the address attached to it. I included a copy of my ID and my recent pay stub to verify my address
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against [ XXXX ] regarding inaccuracies present on my credit report, which I believe are clear violations of the Fair Credit Reporting Act ( FCRA ), USC 15 1681 b USC 15 1681e ( b ) USC 15 1681s 2. I have also included Experian and XXXX, in this complaint as they have reported the same inaccuracies. 

The inaccuracies in question pertain to two outdated accounts that were included in a XXXX discharge and a XXXX  that is on my credit report, that took place in XXXX. As an educated consumer, I understand the complexities of credit reporting, and I am confident that the reporting of these accounts is in direct violation of my rights under the FCRA. 

Notably, I did not provide permissible permission for these outdated accounts to be reported on my credit report. This not only constitutes a breach of my privacy but also tarnishes my reputation and impacts my overall quality of living. As a conscientious consumer, I believe that a fair and equitable resolution is imperative to rectify these issues promptly. 
Enclosed with this complaint, you will find supporting documentation, including but not limited to : XXXX discharge documents from XXXX 
Proof that the accounts in question were included in the aforementioned discharge. 
Any relevant correspondence with the credit reporting agencies and the creditors involved. 
I am writing to formally file a complaint against [ XXXX ] regarding inaccuracies present on my credit report, which I believe are clear violations of the Fair Credit Reporting Act ( FCRA ), USC 15 1681 b USC 15 1681e ( b ) USC 15 1681s 2. I have also included Experian and XXXX, in this complaint as they have reported the same inaccuracies. 

The inaccuracies in question pertain to two outdated accounts that were included in a XXXX discharge that took place in XXXX. As an educated consumer, I understand the complexities of credit reporting, and I am confident that the reporting of these accounts is in direct violation of my rights under the FCRA. 

Notably, I did not provide permissible permission for these outdated accounts to be reported on my credit report. This not only constitutes a breach of my privacy but also tarnishes my reputation and impacts my overall quality of living. As a conscientious consumer, I believe that a fair and equitable resolution is imperative to rectify these issues promptly. 

Enclosed with this complaint, you will find supporting documentation, including but not limited to : XXXX discharge documents from XXXX. 
Proof that the accounts in question were included in the aforementioned discharge. 
Any relevant correspondence with the credit reporting agencies and the creditors involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I reached out to the Experian Consumer reporting agency about several inquiries on my consumer report that where unauthorized and they choose not to respond to my request to investigate. It's clear that they don't care and why there are class actions against them at this moment. Consumer laws were put in place and policies that Third-Party Reporting Agencies are to follow and grant the consumer certain rights and this is one company that I personally have always had a problem with when it comes to correcting inaccurate information that has been reported on my consumer profile I did not give any of these companies listed written permission to furnish, report, or sell my personal information to any third-party reporting agencies this would be an act of identity theft, Aggravated identity theft pursuant 18 USC 1028A and knowing this they violated consumer law and continue to do so bluntly with no regards for law. I sent my disputes off on XXXX and XX/XX/XXXX about these unlawful inquiries... 

XXXX XXXX XXXX, I never even heard of them furthermore I have never given them written permission to pull or share my private or personal information to any third-party consumer reporting agency, that's identity theft XXXX XXXX XXXX, I never gave this company written permission to pull or share my private information to any third-party reporting agency thats identity theft XXXX : XX/XX/XXXX, I never heard of this company nor have I given them written permission to pull or share my personal information with any of the third-party consumer agencies thats identity theft EXPERIAN XXXX XXXX : XX/XX/XXXX, I never gave this company written permission to pull or furnish anything to my consumer report or furnish any personal information to any third-party consumer agencies thats identity theft I would like my consumer report updated and these unlawful inaccurate reported information Deleted from my consumer profile
Product: Student loan

I have previously contacted Fedloan in the years past and notified them of the incorrect reporting but updates were never made to correct their reporting. XX/XX/2016, my area was affected by hurricane Matthew and forbearance was requested ; however, Fedloan continued to report late pays. Also reporting was incorrect prior to the forbearance request- they reported 2 -90 day lates 2 months in row not notifying me the accounts were 30 or 60 days late prior to reporting 90 day lates for 2 consecutive months. FedLoan is reporting these inaccuracies across all 3 bureaus. The incorrect reporting occurred from XX/XX/2016 to XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Mortgage Loan on XXXX/XXXX/21 & was denied or received unfavorable rates because of some inaccuracies on my credit report. There are 14 XXXX XXXX XXXX XXXX loans that are reporting a 90 day late payment. This does not seem legal or accurate. I was under the impression that these loans were in deferment at the time, when they're saying I was late. Were payments actually due or was the loan in deferment? Was I notified in writing 30 days before these payments were due? Is there any proof that I received the notification in writing or an invoice before they reported me late? I do not recall receiving any invoice or notification from XXXX XXXX XXXX stating that payments were due or that I had any amount past due. If I received a letter or phone call from them, I would have made a payment. 

I'd like to request that the 90 day late payment be removed from all 14 loans. If XXXX  XXXX XXXX refuses to correct the payment history, I'd like to see all paperwork and proof that they are reporting accurately and followed all laws and procedures to notify me before reporting me late.
Product: Credit reporting

My name is XXXX XXXX XXXX XXXX XXXX .Date of Birth XXXX/XXXX/1956 On my credit report you have my son 's name and SS # included on my report!!! There are bill 's from XXXX XXXX and other XXXX bill 's that I have NOTHING to do with!! I have NO collection XXXX contacting ME for any reason!!!
Product: Student loan

Student loans taken XXXX through XXXX have been in repayment and making payments per the graduate payment plan. Navient has placed the act in forebarrence on numerous occasions af a result of us not being able to make full payments. The balance continues to grow and now in wage garnishment. We tried to set up payments we're could afford and continued paying only to watch the balance continue to increase. My request 1. I would like copies if all loan docs with terms at time of disbursement. 
2. Account history from direct loans, to sallie mae to navient. As the act has moved a consolidation has occured. I would like the original paper work on that consolidation and the terms at the time. 
3. Reasonable repayment that will actually reduce principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer agencies XXXX, and Equifax are reporting inconsistent information regarding the accounts labeled XXXX with account numbers # XXXX XXXX XXXX XXXX & # XXXX XXXX XXXX XXXX on my credit reports. Their reports on these accounts are not consistent with what XXXX is reporting as these accounts are not listed on the XXXX report. XXXX and Equifax are tarnishing my reputation and character with these inaccuracies and their negligence.
Product: Student loan

Received phase XXXX guidance regarding the separation of our spousal joint consolidation loan. After XXXX  months, they will be starting to process the separations XX/XX/XXXX and told to watch for information in XXXX XXXX. XXXX told that they will not be prepared to calculate the XXXX  payment count until at least XX/XX/XXXX. So we are expected to sign promissory notes for new federal student loans without being provided the full loan terms. Are we absolutely guaranteed the XXXX  even if these new federal loans originate after XX/XX/XXXX and the new administration halts XXXX on any new loans? Are we going to be expected to start payments on these loans before the XXXX  payment count is updated? We are being told our initial XXXX  payment count will be XXXX. We have overpaid for XXXX  YEARS beyond the XXXX required payments due to XXXX loans being excluded from XXXX. We have been told there will be no refunds of the overpayment because the servicer was private, not federal ( again no choice to change that, just stuck in this failed program ). After XXXX  months, I demand clear terms for any federal loans I take out. XXXX promises dont cut it. If we take out XXXX new federal loans when our spousal loan is finally separated, and these promises dont come to fruition, we will be stuck with XXXX loan payments, no credit for much greater than the required XXXX payments for XXXX and now thousands of dollars deeper in debt because of the XXXX years that interest has been allowed to accrue while the DoE figured XXXX a way to implement the law. I dont know how this can be viewed any way other than consumer abuse. It should not be legal to withhold our right to separate loans under the XXXX for over XXXX  years, cause us to go deeper into debt, expect us to sign paperwork for loans BEFORE our payment counts have been adjusted and not provide any hard deadlines for anything on their end, only a deadline for us to have those promissory notes signed by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested Experian, 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 XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts if it isn't reporting correctly. Also. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

A debt appeared on my credit report over a year ago. I was able to get it removed from my XXXX Report, but not from my XXXX or XXXX. The debt does not belong to me, it is reported to be from XXXX, which I have never had an account with that went overdue. The only XXXX account I have ever had was closed back in 2012 and was in good standing. I was never notified by XXXX about any debts that I owed.
Product: Mortgage

On XX/XX/2021, I paid Arc Home LLC {$160000.00} after I liquidated my investment property and before my first mortgage payment ( due XX/XX/2021 ). At the same time, I requested a recast to be done and paid the recast fee so that my monthly payment can go down. I was told it will take up to 60 days for their accounting department to make that adjustment. After calling them several times for almost 2 months to ask about the status, I was finally told that they sent me a document, which I never received, and I was supposed to sign it as well as sent it back to them. Since it passed their deadline, they needed to reopen the request and get the process started again. And I need to wait for another 60 days for them to complete the process. In other words, I need to wait for another 60 days to see if this is actually going through or not. Given the experience I have with them, I have very low confidence with that. 

For instance, their online application is problematic ; I ended up having to make one of my monthly payment by phone, which for no reason became 2 identical payment transactions on a roll. I had to call them again to ask for return of the money on the 2nd one. They did but didn't explain they gon na sent me a check, which I never received. When it's time for me to make another monthly payment, I still don't have it. I called again to see if they can stop the check and apply that amount to the upcoming payment. As of now, they said the check is stopped but i haven't seen the dollar amount being applied to the payment again. Guess I'll also need some luck over this.
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 XXXX USC 1681.

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, states a consumer reporting agency can not furnish an account without written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of conviction and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the
Product: Credit reporting or other personal consumer reports

On my XXXX credit report, there is a collection from southwest credit systems stating that they're the original creditor and the debt is XXXX XXXX XXXX. A debt collection company is not an original creditor, and I have no balance that is XXXX XXXX XXXX. I don't know what this is. I have disputed it with XXXX, and XXXX does nothing.