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

On XX/XX/XXXX I submitted three accounts ( XXXXXXXX XXXX XXXX and XXXXXXXX XXXX ) in charge off for investigation as there were errors in the accounts and they came back as updated rather than deleted like I requested as they had 2+ years to report correct information and now that its modified it further dilutes my credit report making it hard to find the factual information from the modified. And upon them conducting their investigation there is no way the investigation was done properly because 15 U.S. Code 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. How could they have done a proper investigation. Also they violated my right to privacy. Not only that but once an account has been charged off the payment history can not continue to report charged off. 
On XX/XX/XXXX a collection showed up on my credit report with no way of validating the debt. Its been disputed but XXXX had no authority to sell my information to a third party ( XXXX XXXX ) and my right to privacy has been violated
Product: Consumer Loan

My wife and I took out a loan with CNAC finance XX/XX/2016. The payment is due twice a month ; the XXXX and the XXXX. We bank in another state and my wife employer does not offer direct deposit. The bank takes two business days to process a mobile deposit, which is the way my wife deposits her her check. Thus her payment might be a few days late. We explained this to the dealership when we got the car. They said this would not be a problem. 

Now the CNAC is calling us two or three times a day on the due date harassing us about the payment. I went in to have the oil changed at XXXX Byrider on the day the payment was due and the manager came out to the shop and began to question me about my payment in front of everyone in the shop. This was not only embarrassing, but also humiliating. I could understand if the payment was late, however that was not the case. 

Now to top it all off, they have called me and my wife a total of 5 times today to remind us that the payment is due. This has gone past harassment. I called them and asked them to cease and desist and if they need to contact me to contact me by mail only, and they refused.
Product: Student loan

I switched from another student loan plan to MOHELA to qualify for PSLF forgiveness, as I am a XXXX  by profession and worked for qualifying employers. In doing so, I took on even more debt, because it extended my payments/ interest out. However, it was the only way to have my loans qualify for PSLF, so I thought that the benefit would be worth it. 

Forms for each employer were due by the end of XXXX, XXXX. I submitted them XX/XX/XXXX. I had three qualifying employers under which I made payments, but only one was accepted for PSLF. The reason given on the MOHELA website was that they had received " duplicate forms. '' I called to question this, and was told that they received my forms twice, and therefore, those employers would not longer be accepted / eligible. I told the operator that this did not make sense. I had no idea how the form got there twice ( did the fax re-send? ). In addition, what difference would it make if they receive two copies of the exact same form? If the employer counted for eligibility, they counted, and it should make no difference if they received one copy of the form or ten... the form was submitted in time. I was told that my issue would be escalated, but I never heard from anyone to resolve this. 

Within the past month, I have tried to contact MOHELA again to discuss the issue further. The website says that if there are questions, I should contact them. However, when I call, I receive a message saying that due to high call volume, they are not accepting calls at this time.
Product: Checking or savings account

FOR 3 MONTHS I HAVE BEEN GOING THROUGH THIS MY ACCOUNT GOT CLOSED MY CAR INSURANCE CANCELLED AND THE BOA AGENTS THINK I AM LYING AND MY CHILD SUPPORT GOT BEHIND ALL BECAUSE OF ATM MALFUNCTION THAT BOA DO NOT WANT TO ADMIT ... I HAVE WROTE WRITTEN THIS 10 TIMES NEXT IM GETTING THE US TREASURY TO INVESTIGATE CFPB I TOOK SCREENSHOTS THE MORNING OF XX/XX/21 DATE THE ATM MALFUNCTION..I HAVE CIRCLED A WITHDRAWL THAT NEVER TOOK PLACE, INSTEAD IT WAS A DEPOSIT THAT TOOK PLACE..IF YOU LOOK AT THE AMOUNT WHICH SAYS I WITHDRAW {$100.00} IF I WITHDREW {$100.00} WHY DID IT ADD {$100.00} ... .AND IT NEVER SHOWS THE TRUE DEPOSIT OF {$370.00} ... ..I DIDNT HAVE ENOUGH MONEY IN THE ACCOUNT TO COVER A {$100.00} WITHDRAWL, IF I WOULD HAVE WITHDREW XXXX IT WOULD HAVE BEEN NEGATIVE ... .YET THE ATM ADDED {$100.00} ON A WITHDRAW WHY IT ADD {$100.00} ... THIS DONT EVEN EXIST ON THEIR SYSTEM ANYMORE THEY HAVE NO KNOWLEDGE OF THIS BUT I SCREENSHOT IT ... EVERYTIME I CALL CSR DONT BELIEVE ME BUT THEY DONE SOMETHING FRAUDUENT ON MY ACCOUNT AND THEY ARE HIDING IT THIS IS NOWERE IN EXISTANCE EXECEPT WHAT I HAD SCREENSHOT JUST IN CASE IT CAME TO THIS .....
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The attached and enclosed inquiries were not authorized by me. If I must pursue further, I will be forced to file an FTC report. It is clearly a mistake and even a violation to attached unauthorized inquiries to my credit report. These must be removed immediately
Product: Debt collection

I HAVE TRIED SEVERAL TIMES TO VALIDATE THIS ALLEGED DEBT AND HAVEN'T BEEN ABLE TO LOCATE THIS DEBT COLLECTOR TO OBTAIN THE LEGAL DOCUMENTS THAT SHOW I OWE THEM. THE MAIL THAT WAS SENT WAS RETURNED AS UNDELIVERABLE YET THEY CONTINUE TO FURNISH HARMFUL & FALSE INFORMATION ON MY CREDIT REPORT WHICH IS DAMAGING MY CREDIT SCORE, MY ABILITY TO EXTEND CREDIT & MY BRAND.
Product: Money transfer, virtual currency, or money service

Every time I spoke to cash app you guys could never fix my situation and I always end up never getting my hard working money back
Product: Credit card

I was charged for two months by XXXX that was unauthorized on a USBank secured credit card. I did not authorize XXXX XXXX to charge my credit card after XX/XX/XXXX. I paid cash for XX/XX/XXXX, and ongoing. In XX/XX/XXXX, I was charged for two months ... XX/XX/XXXX and XX/XX/XXXX, even though I was denied access to my storage unit, and the owner forbade me from accessing my property, starting on XXXX, even though his normal policy is that I am not locked out until after the XXXX of each month, and that I may still keep my bill current, as long as I pay by the XXXX of each month. On XX/XX/XXXX, the owner, XXXX XXXX denied me access to my belongings. This is in addition to locking me out on XX/XX/XXXX. When I contacted the credit card company, USBank, they told me that I still had to pay these charges. No. I had already acquired a different storage unit at another facility, starting on XX/XX/XXXX. There was no reason for me to pay for two months for no reason, especially since I did not have access to my property!!! Not only that, but I was homeless, and my blankets were in there, and I froze for most of the month of XXXX! Not only that, but since he charged my credit card for two months, I was unable to purchase a bus ticket to California, to be with my son, and rent XXXX rooms together. My credit is ruined, and I am unable to pay this amount. Not only that, but it is extremely unfair. I had told XXXX XXXX in XX/XX/XXXX, that I was unable to pay for XX/XX/XXXX, and would he help me move my stuff to another storage facility. First, he said he would move my stuff with his free truck, advertised with his business, then he offered his personal car, then he changed his mind and offered a different storage unit, free of charge for two months, then, on XX/XX/XXXX, he changed his mind altogether and stole all my stuff. Then, in XX/XX/XXXX, he charged me for two months, and said if I did n't get my stuff out immediately, that he would charge me for XX/XX/XXXX, as well. This is just crazy. I explained all this several times to US Bank, but they are still charging me, and even though I told them not to apply my deposit held in my account toward this bill, they did anyway. And they call me on average, of XXXX 's a day, including Sundays. I do not owe US Bank, nor XXXX XXXX, nor XXXX XXXX one red cent. It 's absolutely preposterous.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Account Number : XXXX
Product: Money transfer, virtual currency, or money service

my client made payment by Venmo I received the payments but after few days later my client disputed on my Venmo because he didn't Authorized. 

I have proof his text message he was satisfied my service and he paid me next day too. 
he made payment three times in total but he is claiming he didn't not authorized. 

I provided to his text message to Venmo support team then they decided to denied his dispute. 

a week later he appealed his dispute, this time Venmo changed their decision they accepted his claim. 
now Venmo asking me to refund. 

I asked Venmo why they accepted his dispute and changed their decision Venmo explained to me because his credit company denied this charge back so Venmo can not do anything about this claim. 

my client paid for my service and he disputed because he didn't authorized so he can get money back I feel like this is scam. 
but Venmo doesn't help me.
Product: Debt collection

I live in Puerto Rico and a victim of identity theft. On XX/XX/XXXX, through my XXXX  's credit report, I noticed that XXXX XXXX had been trying to collect a debt of {$780.00} ( for account # XXXX ) alleging that I used their services from XX/XX/XXXX to XX/XX/XXXX. I informed them that I had never used their services because I live in Puerto Rico and that I filed a police report with the local authorities. As requested by XXXX XXXX, I sent them all the information and evidence they asked for on XX/XX/XXXX and XX/XX/XXXX. But they did nothing. To make things worse, Procollect Inc. from Texas has been making collections efforts even though I informed them about the situation. All this situation is lowering my FICO Score in a very bad way.
Product: Mortgage

Dear CFPB, I am writing to you to formally file a complaint against XXXX due to their gross negligence and lack of transparency, which has led to a significant financial setback for me. 

In XXXX, I purchased a property with a mortgage from XXXX XXXX XXXX  which was later sold to PennyMac and in the closing disclosure document, my property tax was estimated at around {$2000.00} annually. However, I recently discovered that my property tax was escalated to {$8000.00} in XXXX due to my status as a non-resident in the county. This was a crucial detail that neither the mortgage company nor the local tax office had informed me about, thus depriving me of the opportunity to rectify my residency status. 

Despite this substantial change in the property tax assessment, PennyMac did not provide any notification until XX/XX/XXXX through an Escrow Analysis document, revealing a negative escrow balance and proposing an unexpected increase in my monthly mortgage payment. This delay in communication has led to a financial burden that could have been preventable with prompt and transparent communication. 

I have already expressed my concerns to the mortgage company and have made it clear that I do not accept the increase in my mortgage payment due to this issue. However, I have not yet received a satisfactory response or resolution from them. Given the magnitude of the problem, I feel compelled to involve your bureau in order to reach a fair resolution and to prevent such incidents from happening to others. 

Enclosed with this letter are copies of my original closing disclosure, the recent Escrow Analysis document from PennyMac, and the email correspondence I have had with them regarding this issue. 

I kindly request your assistance in investigating this matter and helping me reach a fair and just resolution. It is crucial that companies like PennyMac are held accountable for such oversights to ensure the rights and financial well-being of consumers. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE SECOND TIME XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX I HAD A PROBLEM WITH TRANSUNION REGARDING INCORRECT INFORMATION WHICH ENDED UP WTH THEM DELETING THE WRONG INFORMATION AND CAUSING MY CREDIT SCORE TO DECREASE. I HAVE DISPUTED AN ACCOUNT XXXX XXXX XXXX TO BE REMOVED AS A PAID COLLECTION ACCOUNT AND THE COMPANY THAT SUMITTED THIS NO LONGER EXISTS. I HAVE SUBMITTED THE SAME DISPUTED TO XXXX AND XXXX  WITH NO PROBLEM AND THEY BOTH DELETED IT FROM THEIR REPORTS WHICH INCREASED MY FICO SCORE. HOWEVER WITH TRANUNION AFTER CALLING THEM NUMEROUS TIMES TO REMOVE THIS ACCOUNT THEY END UP DELETEING THE WRONG ACOUNT redit changes Current score XXXX XX/XX/XXXX pts to XXXX We found 1 change to your Transunion credit report. 
Accounts Removed XXXX XXXX Account Removed From Report WHICH I HAVE BEEN TRYING TO IMPROVE MY CREDIT REPORT TO GOOD STANDING FOR OVER A YEAR THEY DELETED THE WRONG ACCOUNT AGAIN FOR THE SECOND TIME.IT TOOK ME ALOMST A MONTH THE FIRST TIME 6 MONTHS AGO WHEN THEY DID THIS AND NOW THEY DID IT AGAIN. THIS IS TO ME TO BE FRUAD ON THEIR PART AND THERE IS NO EXPLAINATION FOR THIS. I WOULD WANT TO FILE TO EVERY CONSUMER AFFILIATION ABOUT WHAT THEY HAVE CAUSED ME TO GO THRU SO MUCH STRESS ANDWILLING TO FILE A LAWSUIT AGAINST THEM AS WELL.
Product: Checking or savings account

There has been many times where my account was low on funds and I was still charged many times and navy federal charged me XXXX dollars each time for a fee because i didnt have sufficient funds. This has happened many times since i have b
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and found several accounts being reported inaccurately. I have disputed these accounts with the reporting agency but have not received a timely response. These alleged accounts have caused great harm to my report. As I result I have experienced a lot of stress. My stress levels have caused my XXXX XXXX to increase to the point of needing XXXX. I am challenging the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : N/A 8. XXXX XXXX Account Number : N/A 9. XXXX XXXX XXXX XXXX Account Number : XXXX 10. XXXX XXXX Account XXXX XXXX XXXX. 
These accounts are in violation of 15 USC 1681e ( b ). They are not reporting with maximum possible accuracy after having been reinvestigated. They are being used improperly to damage my reputation. USPS tracking : XXXX
Product: Credit reporting or other personal consumer reports

Upon receiving a copy of my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : The following account are not mine : 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, Please remove it from my credit report. 
In accordance with the provisions outlined in the Fair Credit Reporting Act, I hereby request a thorough investigation of these items and their subsequent removal from my credit report. It is my understanding that you will verify these items with the respective creditor. Any information that can not be verified by the creditor must be promptly removed. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days upon receipt of this letter.

Please send an updated copy of my credit report to the address provided above. According to the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the past six months of any necessary corrections. 

Thank you for your attention and assistance regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # 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 or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under, 15 U.S Code 1681b-Permissible purposes of consumer report as ( 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 NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.NO CONSENT IS IDENITY THEFT. As a consumer I am demanding the deletion of the account ( s ) listed IMMEDIATELY! 

Account Name XXXX XXXX  Account Number # XXXX Account Name XXXX XXXXXXXX Account Number # XXXX Account Name XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose and others. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

Dear Experian XXXX  XXXX XXXX, I am writing to urgently address fraudulent accounts that have been opened in my name due to the XXXX data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : XXXX. This inquiry was not authorized XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report XXXX. This inquiry was not authorized XXXX XXXX XXXX  Inquired on XX/XX/XXXX Please remove it from my credit report XXXX. This inquiry was not authorized XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX Please remove it from my credit report XXXX. This inquiry was not authorized XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report XXXX. This inquiry was not authorized XXXX  XXXX  Inquired on XX/XX/XXXX Please remove it from my credit report XXXX. This inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report XXXX. This inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report XXXX. This inquiry was not authorized XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report XXXX. This inquiry was not authorized XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report XXXX. This inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report XXXX. This inquiry was not authorized XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report XXXX. This inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report XXXX. This inquiry was not authorized XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report XXXX. This inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report XXXX. This inquiry was not authorized XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) is reporting inaccurate information monthly to Credit Bureaus in order to purposefully have a negative impact on my credit record. This was originally an auto loan in which XXXX is reporting as a Foreclosure to XXXX and XXXX. They also reported an address of XXXX XXXX XXXX XXXX, XXXX, TN XXXX, to which I have never resided, to Experian. Auto was repossessed with no letter sent to provide details on how, when, where to redeem property prior to auction. XXXX has also reported to XXXX a date of last activity of XX/XX/XXXX while XXXX shows XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is affecting my life. Every time I apply for anything using my credit Experian wont let no one not even me view my credit report. I have been calling and filing disputes with Experian for the last 2 weeks they promised they fixed the problem but did not. I am facing homelessness because of this. I even went on annual credit report and cant pull my own credit report. I have verified my identity with Experian numerous times and they still wont unlock my report. I am going to be forced to get a lawyer and sue Experian. There are not fraud alerts or anything so why are they blocking me and anyone from my credit report?