23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022, I received a letter in the mail with a Visa Debit Card stating, " You're In! Welcome to the club. '' The letter instructed me to activate the card, load it, and swipe. On the bank of the letter is a routing number and account number for the debit card through XXXX, XXXX. On XX/XX/2022, I called and email Netspend and XXXX. Netspend was able to verify my social security number. At no point in time did I ever provide my social security number to Netspend, XXXX or to any of their partners to open this account. I attached the letter, debit card, and account information received from Netspend and XXXX. I blanked out all but the last four of the debit card and last five of the checking account so that the Companies may verify their information in this letter. 

On XX/XX/2022, XXXX XXXX of Netspend contacted me because of CFPB complaint XXXX. In her email to me, she stated that a second account was opened : this report is for the second account. The account was opened at a XXXX location. 

XXXX stated that she would close the accounts and prevent my name, address, and social security number from being used to open additional accounts at Netspend. This action does not go far enough as Netspend, XXXX, and XXXX allowed for the use of my personal information, including social security number, to allow for fraudulent activity to occur on an account I did not open. Netspend, XXXX, and XXXX failed to require proper ID for the opening of the accounts. 

It is unknown how the individual opening the account had access to my social security number.
Product: Checking or savings account

My chime account was suddenly closed for no reason no warning no nothing just logged out and closed with my money in the account I called and complained numerous times they said I will receive my money 30 days or when they ship the check and now Im receiving emails about old disputes saying they are taking money out of my balance {$42.00} to be exact they are stealing my money and I need every cent back
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for credit at XXXX XXXX XXXX XXXX. I am seeing an inquiry on my credit report as well got some deny letter on XX/XX/2018. I called Immediately and spoke to XXXX XXXX from XXXX XXXX XXXX XXXX. He advised that he would have it removed. 
As of today I still see the inquiry on my credit report. I need this off asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter out XX/XX/2020 about inaccurate personal info and still havent received a response
Product: Mortgage

My home was foreclosed when shortsale reviewing on XX/XX/2017 by SLS ( Specialized Loan Servicing LLC ).
Product: Debt collection

EOS CCA has been illegally reporting a collection account on my credit report. This account was paid nearly two years ago, XX/XX/2017. On the call with the company back then I recored the lady a total of three times assuring me if I paid the settlement that she would immediately notify the credit bureaus to have it removed/deleted from my account. Nearly two years later it still shows up as a collection on my credit file affecting my ability to purchase a home.
Product: Payday loan

Lender hired Eastbrook Group to collect debt. They have repeatedly called place of employment threatening legal action and service. Caller XXXX XXXX XXXX, gives claim number # XXXX to collect debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.

Ive tried disputing multiple times, however the credit agency have blocked me from disputing any further. Also this matter has been treated as a total loss, and theyre still violating my privacy during this tragic loss.
Product: Debt collection

A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment. 
2 ) That all correspondence take place in written form only.

3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period. 
4 ) Your office will mail all correspondence to my home address or my email at XXXX. 
Thank you for your consideration in this matter. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a business where we XXXX XXXX classes, approved by the Texas Department of XXXX XXXX XXXX, to rural XXXX services in the XXXX Texas area. We created a business PayPal account so we could try to keep up with the times and accept payments for tuition for these classes electronically since most people dont like using cash for this. I entered all the info required for 1099 so we could report the income to the IRS. The way out classes work is we accept tuition on the first night of class. So while we dont constantly receive money, we receive about XXXX once or twice a year from this. I set everything up with the account and everything was fine with no issues at all. Class then started and on XX/XX/XXXX I sent out three invoices for tuition which were then paid. On XX/XX/XXXX, we got an email that I need to verify our name, drivers license, and that we needed manufacturer receipts showing what products we were reselling and until that was submitted, our account was limited. I immediately contacted PayPal business by phone and informed them we dont sell products, but rather a service, as stated when we originally created the account and submitted everything else they asked for the same day. I was told it would take 48 hours for a decision but it the limitation would be removed. On XX/XX/XXXX, we got an email where it states we have been permanently banned from Paypal because of potential risk. I again contacted PayPal and tried to explain and offered to send them the paper from the Texas Department of XXXX XXXX XXXX. They stated they were going to file an appeal to have the decision to permanently ban out account reversed. We spoke to a supervisor who also assured us of this. We then were told to wait and were told they would place a hold on the XXXX in our account and we could not remove or touch it for 180 days and our account would still remain permanently banned. They were supposed to email us the final decision of the appeal but they did not. I am fine with them closing the account and will find another place to have my business account but I would like the money they are holding to be released back to me.
Product: Payday loan, title loan, personal loan, or advance loan

I have requested to revoke further ACH payments from my account till i can see if these were illegal loans. The Interest rates are ridiculous and none of the lenders were found in the NLMS. 

I was not aware that most payday loans were illegal in Georgia. 

I am attaching copies of Loan Agreements. 

Companies involved : Fine Day loans Crane Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these inquiries, and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN. 

I am disputing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If your investigation reveals the inquiry is valid, I request that you provide me with your method of verification as well as the contact information of the source of this verification. I am allowing you 30 days to complete this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes myself to Transunion and they failed to respond within 30 days to my XX/XX/2022 letter and then on my XX/XX/2022 letter basically saying they claim I did not file my claims myself. I mailed the letters myself and attached my drivers license and social security number. See below the letter they sent. 


We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. 
We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 
It's important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. Find out more about how to manage the informat ion on your TransUnion credit report at transunion.com/ repairletter. 
If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at transunion.com/ repairletter. 
You can count on us as a resource as you work to achieve your credit health goals - we want you to be able to get the financial opportunities you deserve.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX & XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX AND XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Student loan

I have genesis loans from XXXX they do n't ever send my mail but then they call XXXX times a day then when I have time to answer they tell me I 'm behind on my loans they want me to pay 400 a month and I asked if my loans are apart of the lawsuit and they hungup on me all the issue brought up in the lawsuit I have dealt with since XXXX 2012 when I started they have repeatedly said I have no options left telling me 400 a month or I will default on my loans
Product: Prepaid card

Received a {$500.00} XXXX XXXX  and can not redeem it online at XXXX, XXXX, XXXX. No retail stores except it online.
Product: Debt collection

FOR YEARS I HAVE REQUESTED THE SEND ME PROOF THIS IS MY ACCOUNT, STATEMENTS, CONTRACT SIGNED BY ME, AND THAY HAVE FAILED TO SEND THIS TO ME.
Product: Credit reporting or other personal consumer reports

I urgently request the prompt removal of the unauthorized accounts from my credit report. I did not authorize them, and they are causing significant XXXX Please correct this error without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  Account : XXXXXXXX XXXX XXXX  ; Account # XXXX, XXXX XXXX ; Account # XXXXXXXX XXXX XXXX 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: Student loan

I emailed Navient on Monday XX/XX/2024, asking for an application for the School Misconduct Discharge Application. Navient emailed me back on Tuesday XX/XX/2024, and stated the following : " Thank you for inquiring about a school misconduct discharge for your private loans. Upon review, we confirmed that your loan is not eligible for our School Misconduct discharge program since the school you attended was non-profit since the loan was originated. If you are having difficulty making your current payment amount on these loans and are seeking information on any options that are available to you for your specific financial situation, please call us at XXXX where a specialist will work with you to assist you further on this matter. More information can also be found at Navient.com '' However, according to The Project on Predatory Student Lending, there was no mention that the school has to be a for profit school only to qualify for the school misconduct application only if you felt that you were a victim of a predatory school. I attended a nonprofit university. Just because the University is a non-profit university, that does not mean they did not conspire with XXXX XXXXNavient to conspire to deceive me into predatory loan and I should be provided the chance to challenge my Navient student loan and feel that Navient is preventing me in doing so by withholding me an application. I hope that this complaint will help lead to the result that I need to challenge this wrongdoing. 

Thank you for your time and consideration.
Product: Mortgage

In XX/XX/XXXX we were offered general terms of a Mortgage Modification from LoanCare with a new monthly payment. We accepted these terms, and as instructed started making this payment on XX/XX/XXXX and have continued to pay monthly as instructed. The record of these payments is noted in our payment history. 

XXXX became our loan servicer effective XX/XX/XXXX. XXXX is saying they never received the paperwork from LoanCare ; LoanCare is saying they sent everything in XX/XX/XXXX. 

Our loan in now being reported as delinquent. It is not yet our credit scores have decreased over XXXX points due to their combined incompetence.
Product: Money transfer, virtual currency, or money service

Zelle XXXX and wasnt able to get it back and bank couldnt assist with transferring money back to my account or undo the issue
Product: Mortgage

In a previous complaint, XXXX against XXXX XXXX XXXX, I presented the fact that Wells Fargo does not own the loan for my house. It is XXXX XXXX who owns the loan, and thus -is the only one who has standing to participate in foreclosure proceedings. 

According to the XXXX XXXX website, my loan dates from XX/XX/XXXX. 

California has rules for loans made between XX/XX/XXXX and XX/XX/XXXX on Residential XXXX to XXXX Unit-Owner Occupied Properties. My house at XXXX XXXX XXXX fits all these requirements. Loan made in XX/XX/XXXX, XXXX unit and owner occupied. 

Under Cal.Civ. Code sec.2923.5 ( a ) the lender must contact the borrower by phone or in person to assess the borrower 's financial situation and explore options for avoiding foreclosure .During the conversation, the lender must inform the borrower of the right to meet with the lender within 14 days. The lender must also give the borrower the toll-free number for finding a HUD-certified housing counseling agency. 

The owner of my loan XXXX XXXX is the lender. XXXX XXXX has never even spoken to me. XXXX XXXX has not fulfilled any of the requirements of section 2923.5 ( a ). 

In the XX/XX/XXXX case, XXXX v. XXXX XXXX, the court held that the borrower is entitled to relief to postpone a foreclosure sale if the lender does not comply with this law. 

I received a letter from Wells Fargo dated XX/XX/XXXX. It states, " We 're writing to let you know that your mortgage is currently in foreclosure. '' The letter makes NO mention of the loan 's owner and lender, XXXX XXXX. 

How can :1. My loan be currently in foreclosure when Wells Fargo is not the owner of the loan, and not the lender? 
2. My loan be currently in foreclosure when XXXX XXXX, the owner of the loan and the lender, has not complied with sec. 2923.5 ( a )?
Product: Student loan

On XXXX XXXX, 2016 I submitted a {$180.00} payment ( via XXXX ) with my bank ( XXXX XXXX XXXX ). According to the bank, the transaction was successful. 

Navient has been merging with and/or consolidating my loans with XXXX XXXX XXXX. XXXX XXXX XXXX is taking over the account in full ( XXXX capacity ). I have been I have been making on time payments to XXXX XXXX through the Navient Account # ( XXXX ). In the recent past, I would be able to see these payments on the Navient website as successful. 

On XXXX XXXX, 2016 I received a mailing from XXXX XXXX XXXX. It is dated XXXX XXXX, 2016. It gives me my new loan number ( XXXX XXXX XXXX ). To reiterate, I 've already made a payment on XXXX XXXX, 2016 to the other account number ( XXXX ). I called XXXX XXXX XXXX on XXXX XXXX, 2016 at XXXX am in order to get that particular payment transaction successfully transferred and finalized, to no avail. The representative told me that it would take at least XXXX days before the transfer would take place. In the meantime, if the payment shows late then it is my fault and it will reflect on my credit regardless what the representative says.
Product: Checking or savings account

One day my landlord came over and asked me your rent payments have been pulled out of our account so went to the bank and the bank manager said we will put it back in the landlord account so I wanted six days and the I checked my account it was XXXX Negative balance they said someone claimed it and got the money so why did they approve the claim
Product: Vehicle loan or lease

I gave Bridgecrest permission to report to the 3rd party credit agency but In regards to reporting negative items, According to 12 CFR 1016 and 15 USC 6802-6805. A consumer may exercise the right to opt out at any time. I am exercising my right to opting out. Any consent I have given whether implied spoken, unspoken, written, unwritten or otherwise is revoked and rescinded immediately and indefinitely. 

Removal of all derogatory items. 
Bridgecrest Shall remove all late payments past, present and futurefrom my credit report.15 USC 1681a ( 2 ) ( A ) ( i ) It is illegal to report transaction history. 2 ) All inaccuracy gives reason to delete late payments past present and future. 3 ) No permissible purpose FCRA 15 USC 1681b ( a ) ( 2 ). 4 ) Privacy Act 1974 Violation. 5 ) 15 USC 1666b Can not be reported late under an open end consumer credit plan for any purpose. Truth in lending defines open end consumer credit plan as payable in more than 4 installments. consumer credit reporting companies can not report income on the credit report. Update to paid as agreed.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the errors from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent Transunion credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 


TRANSUNION DID REMOVE ALL UNAUTHORIZED INQUIRES AND XXXX NEED TO REMOVE SAME UNAUTHORIZED INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XX/XX/XXXX XXXX {$3200.00}