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

I previously took out an educational loan to pay for my college from XXXX XXXX. They are now XXXX XXXX XXXX. I only have one loan from this lender. Recently, I went to look at my credit score since I am a senior about to graduate. On my credit report, there are two reported duplicate loans from this lender even though I only have one. When I called to inquire about this to the company, they stated that they changed from XXXX XXXX to XXXX XXXX XXXX and this caused many people to have duplicate loans show up on their reports. One loan is listed under XXXX, one is listed under XXXX. They told me that if I filed a dispute with the credit bureau, they would confirm that the dispute is valid and take off the duplicate loan so only one is listed. However, the dispute I filed was denied. I refiled the dispute and called XXXX again demanding the duplicate loan to be taken off because it is bringing my credit score down XXXX points. Now I have to wait to see if the second dispute is approved, but overall they have done nothing to help me resolve this issue and because of their mistake, my credit score is lower. I do not recommend taking out a loan from this company, they are very unreliable and won't work with you to resolve issues like this. Attached is the loan payoff letter for the one and only loan I have from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Violations of Fair Credit Reporting Act ( FCRA ) Rights - Request for Immediate Deletion Dear XXXX, I am writing to formally dispute and bring to your attention several violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in the U.S. Codes and credit laws. As a consumer and natural person, I am fully aware of my rights, and I am invoking these rights as guaranteed by The Congress to ensure the accuracy and integrity of my credit information. 
Reference is made to the accounts listed below which have infringed upon my rights as established in the FCRA : Accounts in Dispute : XXXX. XXXX XXXX XXXX XX/XX/XXXX A non-medical account has been identified to be in collections and has been reported as delinquent for non-payment. 
XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX. XXXX Account XX/XX/XXXX A new account has appeared on your credit report. 
XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX. Account Charged Off XX/XX/XXXX An account has been identified as Charged Off. This account was either charged off as a loss by the company with whom you had credit, or that the account was sent to a collection agency for payment. 
XXXX XXXX New Charge Off Date XX/XX/XXXX {$950.00} XXXX. Delinquent Account XXXX XXXX, XXXX A delinquency has appeared on your credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX. Account Closed XX/XX/XXXX An account has been identified as Closed by the creditor or consumer. 
XXXX XX/XX/XXXX {$600.00} XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX A non-medical account has been identified to be in collections and has been reported as delinquent for non-payment. 
XXXX XXXX XXXX {$5800.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX A non-medical account has been identified to be in collections and has been reported as delinquent for non-payment. 
XXXX XXXX {$1200.00} XXXX. New Account XX/XX/XXXX A new account has appeared on your credit report. 
XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
Product: Debt collection

My PayPal account shows a negative balance of {$12000.00} which I do not owe. The negative balance is a result of fraudulent chargebacks which enabled paypal to close my account which was not my fault and out of my control. I also have proof that these fraudulent customers were kicked off of online platforms due to their fraud. I keep getting numerous harassing emails from PayPal claiming I owe this debt and if I dont pay they will send it to collections. 

My PayPal email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX ' XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 TransUnion 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. These fraudulent accounts consists of a credit card account opened at XXXX XXXXXXXX around XX/XX/XXXX, and other accounts opened at affirm inc account number XXXX around XX/XX/XXXX and XXXX XXXX account number XXXX around XX/XX/XXXX. These accounts have resulted in a hard inquiry from XXXXXXXX XXXX and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account I disputed with XXXX XXXX was resolved by their deleting it from my credit report but instead of it showing increase in my credit rating, it showed the opposite, this I believe must be an honest error in reporting on my report
Product: Student loan

In XXXX XXXX and in XXXX XXXX I spoke with XXXX XXXX about having my student loan t the rate reduction program and I sent all the information needed as asked for me and my co signer. At the end of all my monthly bills including what I was paying for my Navient loan a month I do n't have much remaining to be able to survive. I have also received horrible experience with almost everyone I spoke to and have reported to the BBB. Everyone I speak to gets very loud and nasty and is very rude, including today 's conversation. Back on XXXX/XXXX/XXXX I spoke to XXXX different individuals, XXXX ID # XXXX was the XXXX individual at XXXX told me that my payment was {$200.00}, and then was transferred to XXXX ID # XXXX also told me my payment was {$200.00} from now until XXXX XXXX and we set up monthly withdrawal payments monthly until then. Today at XXXX I called Navient and spoke to XXXX ID # XXXX and I was transferred to the wrong department from someone who had answered the phone. Every time I call I keep getting transferred to the wrong department as per XXXX ID # XXXX the XXXX individual I spoke to and was told that everyone who has helped me told me all the wrong information. My account has not been properly managed and every single time I speak to someone I receive a different answer and I do not think this is a way to do business. My account was switched from XXXX to Navient without any warning and I have had nothing but issues with Navient. I do not know how I will be able to afford the payment that they want me to pay, in which I do not have money left over at the end of the month and I gave spoken wot many different people with a break down. I have not been able to receive a job with what I recieved a XXXX degree in, and if I knew I was n't able to get a job with a XXXX in XXXX XXXX I would have never went on completing the degree as I was told by the school. I have applied to many jobs in the past and I am not currently working with something that has nothing to do with my degree because I can not get a job with my XXXX XXXX Degree, as I have to have a XXXX in order to do anything with my degree and I can not afford to have more student loans attached to me as I can not pay what I have now. I am very disappointed as Navient is suppose to be a professional company instead they are very unorganized and have individuals who speak to people and are very rude. Navient does not help in any other way, as I do understand I do owe the money in which I am trying to pay as well as am trying to be able to live and make a living. The company is only out to hurt people and not help anyone, they are greedy and have so many complaints about them and everything about thing is negative and horrible. They should really be looked into, I would n't be surprised if they are doing things that are illegal that should n't be done.
Product: Checking or savings account

This is about XXXX 's XXXX XXXX ' fraud case. I am not sure if this is the right place to report ... 

On XX/XX/19, I lost XXXX dollars from my checking account as a person name XXXX transferred the money out from my bank using XXXX 's XXXX XXXX ' feature of online banking. Up until this event, I did not know the existence of the feature and have never used it. We never enrolled for such service and never got verification prior to the transaction. Only my family member which consist of my husband, and my son and daughter know the login ID and password for online banking as they are listed under my account. We reported this to police and they gave us a report but according to the fraud department from TD, because the hacker was using the same IP address they can not refund my money back. I am not satisfied with this answer. My husband, my daughter, my son, I have been a good customer with TD bank for over 10 years and this never happened. We changed our debit card number and account number the very next day after we locked the account. We are reporting that this transaction was not made from us and the fraud department is saying that they can not do anything at this point. I conducted some research and it seems like this XXXX fraud case is getting popular across the country. According to XXXX, approximately 70 percent of fraud victims were able to get the reimbursement within a week, and the other 30 percent had to contact XXXX to report this case and file a claim via the Consumer Financial Bureau to get their money back. XXXX also tells us that " it requires financial institutions to verify that the customer has control of the email address or mobile phone number, most commonly through verification codes. '' We didn't receive any verification code whatsoever and we didn't even enroll to XXXX. I visited TD bank branch on XX/XX/19 to talk with regional/store manager and gave them all the information but they gave me final decision today ( XX/XX/19 ) that they are not going to refund me because the hacker was using the same IP address which does not make any sense to me at all. This is entirely their security issue, not the customer 's responsibility. It is unfair that they are not willing to reimburse what they lost. All I did was having an account with them and trust them with my money. 

Attached are the articles from XXXX regarding this case, bank statement for the unauthorized transaction and redacted police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX 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 XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/2021 Reported fraud transactions that was not made by me or my spouse, then it kept going till XXXX XXXX! Called Amex again and asked them why are there more charges?? Well the person I spoke to on XX/XX/XXXX guess never closed the card and issue new card. Theyre were tota 8 transactions to a company that was in a different country. Youre talking about few thousand within 4 day time frame. Called American Express and reported, they credited back all 8 transactions. Then XX/XX/2021 out of the XXXX charges, 6 of them were charged back and have to pay. I reached out to Amex and asked them to reconfirm and the live chat customer service assured me that all 8 are credited back and I would not be charged. Then reached out again and ask them why only 2 transaction out of the 8 were disputed, which doesnt make sense! Who ever had placed the 8 disputes had obviously did it wrong and file all as unauthorized, but 2 transactions. All 8 transactions were unauthorized charges with same problem, same story, from same person, but only 2 got disputed. Makes no sense. I called multiple times and was told they re-opened for further investigation. Then had called asked for status and got the run around and was told again would need to re-open for investigation from back office. Which means the first time it was never re-open for investigation. Every time I call back for status, they keep saying have to wait and get answers from back office. Was in middle of buying a house and we couldnt have this high balance our credit report, by the time we had to close on our house. The lender would not approve and we could not close on the house unless we pay Amex off in full. So we had no choice but to pay what was outstanding, plus XXXX that was supposedly still under investigation. We have yet heard from Amex and was so tired and overwhelmed. Finally closed on our house and because of this, it have hurt us bad which caused us short on funds to take care of other bills. Then Amex lowered our credit limit due to other high balance/payment issue. Well guess what? Amex you are the caused how I started to fall behind. Below are the dates and amount of transactions. We have been with Amex for years and never have had experience with such bad customer service until this past year. Had ran out of energy to fight and gave up until I found out about how I can repot to consumer complaint and had no idea could do that till now. 

Unauthorized transaction : XXXX XXXX - {$1500.00} XXXX XXXX - {$1100.00} XXXX XXXX - {$1400.00} XXXX XXXX - {$1100.00} XXXX XXXX - {$1500.00} XXXX XXXX - $ XXXX disputed  XXXX XXXX - {$1100.00} - disputed
Product: Checking or savings account

On XX/XX/year> I deposited a check for {$2500.00} from a customer for some side work/repairs done at him and his wifes place. I was told it would clear on the XXXX on the Chase mobile app. I tried getting gas on the next day and my account was frozen so I called Chase around XXXXXXXX XXXX immediately afterwards and they responded, your account has been frozen and may be closed due to the system flagging it as potential fraud. I couldnt access any of my money or anything. Waited till the XXXX and my account cleared the check but they still froze my account. Today I called them XX/XX/year> and they put a XXXX debit withdrawal charge for my full account amount and my account is in the process of being shut down. Been on hold from XXXX XXXX XXXX XXXX XXXX and still no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXX, Account number : # XXXX XXXX  XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account number : # XXXX XXXX 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 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.
Product: Checking or savings account

First of all, my account from one day to the next was frozen by a company called XXXX the bank says they have nothing to do with it and to get it unfrozen i have to go in to a bank and have it properly un frozen XXXX or anything like that can not be used. Im a XXXX XXXX XXXX at a XXXX XXXX and when this happen i was at home due to myself and others in my dept at work being diagnosed with covid they didn't care that i couldnt leave my home due to my XXXX XXXX they told me come in through the drive through and we will help you that way i did and when i got to the bank, of course, they wanted me to get down and that i did not do i was not going to out any kids or people in general at risk. i went home not being able to get to any money in over 30 days because i couldn't. I could understand if it was frozen due to the bank or because of something i did but it was because of a service i never even used or have ever used. not to mention that the money i wanted to use was a credit from a dispute i had to do before i even received my debit card through the whole process from the being i had so much problems then when i was able to use my money and pay bills those funds got frozen by the bank due to the fraud not in my favor they said a company where my card was used that was in another country. I had made those charges. they said i was lying and that i had even activated that debit card with my phone and thats absolutely not true but its my word against theres ive gone back and forth with this company and through all this my account went into negative status because all the charges were reversed and right when that happen my pay check of XXXX got deposited and my tax refund pf the same amount also got deposited but im still negative and according to them there is nothing i could do. Please help
Product: Credit reporting 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 for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00}.
Product: Mortgage

Since last year, BoA has refused to work with my family concerning a loan modification after our family suffered death in the family, and was trying to keep our home by working with XXXX Prosperity Program. BoA continuously lost submitted paperwork, ignored HAMP applications and chose to foreclose on us. For the past 6 months, reinstatement requests have been Repeatedly submitted, yet before today, 8 days before our scheduled foreclosure, we have received only two. One, 3 months ago or so, that was well expired upon receipt of it, and today, which also expired today. Why can not BoA provide a reinstatement quote that allows at least a week before it expires? They will not accept anything but the exact amount, so how can I give that unless we have a non-expired quote. Just as bad, BoA is hitting us with late fees, inflated late fees, that would not have been present had they properly serviced our mortgage and given reinstatement quotes on time. It took months and Repeated attempts to even get the 2 we have the past 7 months. Attempts were made each month, yet it appears BoA purposely failed to service our mortgage, so they could bill outrageous late fees and add to their profit at a foreclosure. This appears to be mortgage servicing fraud ; the reinstatement quotes were ignored and sent belatedly, and now they are foreclosing at a high profit. A BoA rep even advised us NOT to attend a foreclosure hearing. How wrong is that? Is that not fraudulent or at least predatory? Also, at a hearing, where I tried to get the court to order a reinstatement quote, which is why we finally got the one today, I asked BoA ; XXXX attorney for a reinstatement quote and he said he would get me one that week. He never did. I have tried earnestly to get one but they seem intent not to give me one in time. It is a scam to delay, tack on late fees, send expired quotes, and then foreclose with " added fees. '' That is unethical and wrong. That is mortgage servicing fraud. I could have reinstated 7 months ago, and far cheaper without the bogus late fees that have been added to my account. Do they not have a duty to give me adequate time and a non-expired quote in a reasonable period of time, not 3 months after the fact?
Product: Debt collection

RGS Financial , INC. illegally obtained my personal information and now they are stating that I owe a debt in the amount of {$2800.00}. RGS Financial , INC. did receive written notification to validate this debt that they are accusing me of owing.Pursuant to Fair Debt Collection Practices Act, 15 USC 1692g RGS Financial , INC. must comply with validation request. RGS Financial , INC. threatened to report invalidated information that I have requested them to validate. RGS Financial , INC. are not complying complying with Fair Debt Collection Practices Act,15 USC 1692g and gave me a " verification '' instead of validation.
Product: Credit reporting or other personal consumer reports

Per USA 1692 a charge off is considered a Certificate of Indebtment which means income. XXXX XXXX XXXX charged off debt XX/XX/XXXX. They never sent me a 1099c as I know they filed for. I too had to file a 1099c and they are refusing to update my accounts to paid in full! Im requesting that as the consumer this issue be resolved.

According to the Privacy Act of 1974 USC 6802 USC 6805 Law States it is Illegal to report transactions history and negative remarks being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX