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

Please note I'm not using any third party for this matter and I represent myself. 
I checked my credit report and noticed some inquiry from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. 

My personal information was compromised and went to wrong hands. 
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
I have filed FTC report for this matter. 
I request that you remove the inquiry of XXXX XXXX XXXXXXXX dated : XX/XX/2022, please remove the inquiry and send me an updated copy of my credit report at the address listed above. I believe I'm a victim of Identity theft. 

Thank you for your assistance in this matter,
Product: Money transfer, virtual currency, or money service

I received a text last XX/XX/XXXX, from Bank of America asking if I had authorized a transfer for {$3400.00}, I hadnt. Please see below the text : Bank Of America Security : Did you use your debit card ending in XXXX at : XXXX XXXX, {$10.00}, Declined, XXXX XXXX, {$35.00}, XXXX XXXX XXXX, {$3400.00}, XXXX If you recognize this activity, reply YES. 
If not, reply NO. 
STOP to end text I was very busy at work, but was alarmed and answered the phone call immediately after I replied No to the text. The phone number was XXXX from Bank of America. The associate said my accounts had been compromised by fraud and that I needed to transfer the money out by XXXX into another account under my name. He instructed me to login to my BofA account, go to XXXX and create an account. It was all very confusing but I did make the transfers : {$1800.00} from my savings account and {$900.00} from my checking account, a total of {$2700.00}. 
I also received a text immediately before they called, please see below : BofA Security : Did you use your debit card ending in XXXX at : XXXX XXXX XXXX  {$35.00} Declined XX/XX/18? Reply YES or NO. Text STOP to end texts This last text, Ive realized later was from the real Bank of America. It seems to be a charge from a prison, where the criminal called from. 
The XXXX transfers I was induced to make were being processed at the same time with this {$35.00} charge on my account. I can provide a screenshot of the checking account activity with XXXX XXXX transfers and the inmate phone service charge of {$35.00} ( not copying here ) Bank of America should have had better cybersecurity filters. Apparently, it detected the {$35.00} charge, prompting a text, but it never linked to possibly 2 risky XXXX transfers, specially because it was already aware that other customers were victim of the scam previously as I learned later in the news ( see link below to an article of XX/XX/XXXX ) XXXX XXXX XXXXXXXX Im a XXXX XXXX XXXX, recent XXXX from college with a big student loan to repay. My hard earned money from my full time job was stolen from me but Bank of America declined to refund my savings and checking accounts. 
Please help me recover my money from these criminal activities that have been allowed ( covered up? ) by the banks!! It is outrageous they don't protect their clients. 
You are my last resort! 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX  and XXXX  and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Estoppel of Silence If a creditor or collection agency fails to answer your validation letter you should send an Estoppel of Silence Letter XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX Dear XXXX XXXX This CFPB letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically you : - Failed to validate a debt at my requestFDCPA violation -Continued to report a disputed debt to the CRAFCRA violation Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a police report from the XXXX Police Department in regards to the fraudulent accounts listed on my Experian credit report. The following accounts are all fraudulent, unauthorized and not my accounts : XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

In with the fair credit reporting act. The list of accounts below has validated my federally protected customer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 customer 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 customer to any custom reporting agency if the person knows or has responsible calls to believe that the information is Inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from this, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I tried to deposit a check for {$900.00} the agent came back and said we the bank can not deposit your check and told me account was set to close XX/XX/XXXX give me my check back. 
I also mailed a registered security to security transfer agent instructing the agent to wire my certificate of indebtedness to my TREASURY DIRECT ACCOUNT with the proper stamp and endorsement. That item was mailed registered mail XX/XX/XXXX. It's not reflecting in my account.
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. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX xxxxxxxxxxxx XXXX, XXXX XXXX XXXX #. XXXX XXXX, XXXX XXXX XXXX # XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXXXXXX BANK XXXX, XXXX XXXX XXXX, XXXX XXXX BANK XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Checking or savings account

I filed a dispute on a transaction and opened a claim witht the bank on XXXX XXXXXXXX XXXX. The transaction involved was with merchant XXXX XXXX I had previously contacted the merchant XXXX XXXX who refunded my account the transaction amount of {$130.00} on XXXX XXXXXXXX XXXX. Capital One was still invesigating claim # XXXX and issued me a tempoary credit of {$130.00} not ealizing th merchant had already credited me the amount and the dispute was resolved. I contacted the Bank because my remaining balance was eflecting {$200.00} when the correct amount should have ben {$78.00}. and was told that the bank had made an internal decision to close my accounton XXXX/XXXXXXXX and my remaining funds would be mailed to me once their investigation was completed. Finally the bank took back their temporary credit on XXXX/XXXXXXXX  and informed me I would be receiving my remaining funds within 2-5 business days. I have bowo made 4 seprate phone calls each time being told the investigation was completed on XXXX/XXXXXXXX the last converrsation was on XXXX/XXXX/XXXX with claims supevisor XXXX employee # XXXX I still have not received my funds or an explanation as to why my acccount was closed. I have been a client with this bank since XXXX Can you please help me to eceive my remaining funds of {$78.00}.
Product: Payday loan, title loan, or personal loan

I contacted this company on XX/XX/2018 to find out how to pay my loan off early. They responded that I had scheduled a payoff for XX/XX/2018 for {$330.00}. I never scheduled that. I asked about paying if off sooner, but they said it takes 2 business days to process it and never got answers to my questions. 

On XX/XX/2018 I sent them a ACH revocation letter. I never scheduled that payoff and could not afford it coming out of my bank. I sent it 2 business days before my payment. Right in the window of time they said it takes to process account changes. They didn't acknowledge it until XX/XX/XXXX, when they told me that they had received it, but just didn't process it. They acknowledged the letter and said no further debits would be made on my account. 

On XX/XX/2018 they still debited {$100.00} from my bank after the letter. Instead of fixing their wrong all I have gotten from them is intimidation. I have been reminded of my " legal '' obligations to pay them. They refer to an agreement that I can not go back to read again because they never gave me a copy of what I signed and do not provide any account information online. I can not look up my balance, payment schedule, or any paperwork.
Product: Credit reporting or other personal consumer reports

From XX/XX/2021 until the present Selene Finance has incorrectly calculated my mortgage payments and reported my account to the credit bureau as delinquent.

In addition to the many unethical practices of charging me several late fees although I didn't owe any.

This company has several pay web sites that don't allow you to pay anything other than what they have your payment listed as, they have had three different web payment websites since 2021. The most current website won't allow you to pay your mortgage until you read and acknowledge some agreement they have attached I'm sure to cover themselves against consumers.
Product: Debt collection

under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Mortgage

I applied for a small home equity loan from Discover Home Loans online and it said they were having technical difficulties so I needed to call. I spoke to XXXX XXXX XXXX XXXX XXXX and she proceeded to try and run my credit. After several attempts she said she was having technical difficulties and would have to run in manually, which I refused. I asked if I was getting a hard inquiry on my credit report each time she tried which she stated No. I immediately when onto XXXX XXXX and saw that in fact I did receive three back to back hard inquiries on my credit, lowering my credit score by XXXX XXXX  on XXXX. In addition to that I have been receiving emails, texts, and numerous phone calls XXXX XXXX XXXX harassing me and trying to sell me a mortgage. This need to stop and I need Discover Home Loans to fix my credit by removing the hard inquiries on my credit report.
Product: Student loan

On XX/XX/2022 I was notified that my Public Service Loan Forgiveness ( PSLF ) application was missing information in Section 3 -- specifically my employment start date. I reviewed the complete application originally I submitted, validating Section 3 was completely filled out by my employer. 
The notification requested my employer contact MOHELA within 60 days of receipt to provide the " missing information. '' I called the number provided to hopefully resolve the issue myself. I tried multiple times to reach a human being, but in the end, reached a recorded message stating " due to the unprecedented interest in load forgiveness, we are unable to take your call. '' The recording did not provided alternative was to resolve the issue and automated services did not meet my needs. 
It seems to be a conflict of interest to have a student loan company in charge of discharging loans. MOHELA has been vocal about the potential revenue loss and I am rightfully concerned about the level of their integrity.
Product: Debt collection

Back in 2014 or earlier I had an XXXX XXXX which was covered under my insurance. Then a couple years later I see a collections on my credit report with no notification, I disputed and it was removed. A few years later it has came back. I have never received a notice of any kind from Rash Curtis in regards to this debt. With it being removed after my 1st dispute I do not feel it should have came back on my report. Rash Curtis Associates have a really bad reputation for falsifying debt.
Product: Checking or savings account

I am writing to formally lodge a complaint against PayPal regarding their refusal to refund four out of five unauthorized transactions ( {$1000.00}, {$2500.00}, {$500.00}, {$220.00}, {$70.00} ) on my PayPal debit card which all occurred on the same day. 

On XX/XX/XXXX, I discovered five unauthorized transactions from XXXX on my PayPal debit card. Upon noticing these transactions, I immediately contacted PayPal and filed a case for the first four transactions, as the fifth was still pending. PayPal conducted a review of these transactions and subsequently denied my claim, asserting that all four transactions were authorized and that I had a payment history with this merchant. This assertion is completely false. 

On XX/XX/XXXX, I also filed a case for the last transaction that had settled for {$70.00}. After citing XXXXXXXX XXXX XXXXXXXX liability terms and conditions, PayPal approved the {$70.00} and acknowledged it was indeed unauthorized. Despite this, PayPal has refused to refund the money for the other four transactions. 

I have provided PayPal with screenshots from XXXX support confirming that there were no transactions under my name, nor did I have an account registered with XXXX. On XX/XX/XXXX, I requested PayPal to reopen my four denied cases, providing them with the necessary proof from XXXX. PayPal assured me they would reopen the cases and assist in recovering my money after I indicated that I would file a complaint with the CFPB if I did not get my money back. 

However, after 48 hours, PayPal ceased all communications and permanently banned my PayPal account without any explanation.
Product: Student loan

I borrowed it for 120 months term.I started pay it from XX/XX/XXXX. I have not miss a payment not even once. Mine got sold to some company in XX/XX/XXXX and then again to other company.They changed the payment term from 10 year to15years without my permission or notice or even asking. Still collecting money every month and have significant balance is left.

I borrowed about {$20000.00} in XX/XX/XXXX. They said I still have about {$8000.00} left.

But I checked XXXX XXXX - it said my Balance is about a little bit more than {$3000.00}
Product: Mortgage

9 months after closing my loan I get a XXXX package. They need me to re do my loan, because them and FHA do n't agree on the appraisal and FHA wo n't finalize the XXXX, so they can resell it to a XXXX party. They expect my payment to go up, me to pay additional closing costs, and for me to get no credit for the last 9 months of payments. I get no phone call, no letter, just a package in the mail and no instructions.
Product: Debt collection

XXXX has previously reported to XXXX through 2 other debt collectors, a {$590.00} debt that they claim I owe. As a customer of XXXX I called their customer service multiple times complaining about my cable and Internet frequently being out of service. Being a visiting nurse, having Internet access so that I can document and get paid was detrimental to my job in livelihood. After multiple attempts with my requesting assistance or remedy, I was treated rudely I XXXX even my bill was not adjusted. After continued unavailable access to the Internet and then ability to do my job, I was forced to go with a different provider. When I canceled XXXX tried to charge me {$590.00} fee, for canceling services yet they were not providing me with the service that I needed and or paid for. I successfully disputed their claim of this debt with XXXX debt XXXX twice before with XXXX, and successfully won my dispute and it was removed from my credit at that time. I.C. systems recently called and threatened to damage my credit and to continue to report to the credit bureaus every 90 days the {$590.00} debt. I.C Systems reported to XXXX and XXXX again last week and again refused to resolve the matter when I called them, with continued threats of harassment by reporting me to the credit bureaus. XXXX did not recognize the XXXX debt collector as being a previously disputed debt that was removed previously when I was reported on XX/XX/2021, and it is now being reported on my credit report with a 34 point drop in my score. I contacted XXXX again today regarding this issue and they said that they would be opening my dispute again and connecting this debt collector with the previously disputed XXXX debt. Debt collector such as IC systems should not be allowed to continue to harass people like myself, and Im requesting that they be investigated.