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

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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Product: Money transfer, virtual currency, or money service

XX/XX/2020 PayPal - negative {$4600.00} XX/XX/2020 Transfer P PayPal - negative {$4600.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$4600.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4600.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have spent the last six months trying to get my legal name reported on my credit file and these credit bureaus aren't doing anything. There are so many AKA 's listed. I have requested them to remove and after four disputes I got nowhere. Please help
Product: Credit reporting or other personal consumer reports

Back on XX/XX/2024 I requested debt validation for the collection companies on my credit report in writing to the credit reports and collection companies. I received nothing back yet these companies are still listed on my report. 

More specifically I called Plaza Services on XX/XX/2024 ad requested to know why I had not received the information and they said I would receive it but instead they transferred it to XXXX XXXX to collect on the debt. 

I called again today XX/XX/2024 and requested the info and the rep said only the rep XXXX XXXX can get it to be and he sent it by email which he did not. 

I told her i dispute this amount and debt in all and would like it removed from my report i also advised I would be filing a CFPB report
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. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : it also states a consumer reporting agency connot furnish an account without my written instructions.

15 U.S.C 1681c ( e ) ( 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. 

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

hese accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX  XXXX Reported : XX/XX/XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX bank XXXX : XX/XX/XXXX, American Accounts AD Reported : XX/XX/XXXX. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report, in accordance with Section 1681o of the Fair Credit Reporting Act ( FCRA ). This section holds entities accountable for the negligent reporting of information that results in harm to consumers, and I believe the information provided by [ XXXX ] was reported negligently. Equifax and Experian did not do a complete investigation Nor did they same me ny documentation showing why the incorrect delinquency is not removed yet and i have made several ttempts
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I Filed A Complaint With CFPB Stating In accordance with the fair credit Reporting act XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose. 

The Company Responded In 4 Days That They Have Investigated & Information Is Accurate. 

I Disagree That This Company Did A Investigation. Late Payments Are Still Reporting Inaccurately & Unverified & According To FCRA Should Be Removed Immediately! 

Below Is Proof Company Did Not Investigate Nor Verified This Information. If They Did As Of XX/XX/23, How Is It, Its Still Reporting 30 Days Late In XXXX & XXXX? 

Inaccurate, Unverifiable Information Should Not Be Updated! But Deleted From My Report Immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXI had previously informed the XXXX XXXX that this account that they have been reporting on behalf of their client : XXXX/XXXX reported account XXXX This account is unknown to me and were opened in result of theft of my identity in XXXX. The opening of this fraudulent account was reported to the FTC in XXXX under affidavit number XXXX after unsuccessful attempts to delete via XXXX XXXX in XXXX XXXX XXXX are still reporting it today. 

This will be my last attempt in requesting that XXXX XXXX remove this account from my credit file. Since XXXX XXXX insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package including signed contact to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and XXXX XXXX have failed to remove it, for this reason I request the assistance of the CFPB.
Product: Mortgage

I was current on my mortgage and requested a modification from XXXX XXXX XXXX due to my husband 's illness and loss of income and was denied because I was current. In the process, XXXX suggested a short sale of the property. After retaining a realtor and going through the short sale process, we received buyers who had secured their loan. XXXX accepted the offer. During the closing process, XXXX continued to require additional documentation which caused me to lose the buyer. By this time, my financial hardship was excessive. With the anticipation of a short sale closing, we accrued additional debt to move out of the property, which caused me to become behind in my mortgage. Consequently, XXXX XXXX XXXX forced me into foreclosure because of their negligence in processing the short sale. Two years later, I 'm being harassed by Ditech Financial, LLC advising that I still owe for the property, although, the property was sold back in 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX in XX/XX/2022. I used the account once to purchase approximately {$50.00} in fuel and it was closed by the lender for potential suspicious activity. I paid the amount I had charged immediately. 

In XX/XX/2022 I received an email that my monthly membership fee of {$10.00} was due. I emailed customer service and they indicated that it was a mistake, the account was closed, and I owed no balance and no monthly membership fee. 

In XX/XX/2022, they reported a {$10.00} balance as delinquent, Up to 30 day beyond terms on my Experian Business credit report. My credit score dropped from 85 to 16 because of the incorrect reporting. I was also denied a business credit card with another lender because of the erroneous delinquent reported account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 and I did not give any written or oral instructions to do so.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my XXXX and Equifax report on XX/XX/year> and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

I am a consumer and member that have been taken advantage of by Navy Federal Credit Union with their illegal practices of banking policies and procedures. This all started when I noticed I had an overdraft/ insufficient funds on my account. Due to this overdraft/insufficient funds my account was restricted where I was not able to make online deposits as well as barred for 7 years from opening a business account. Most recently NFCU has been transferring from my checking account or savings account to credit cards and loans without my authorization. These unauthorized transfers caused vendors to not get paid and cause me an adverse action by services being cut off or charged fees for insufficient funds. The most recent transaction was a deposit of money order to checking account of {$200.00} and some cents and {$180.00} and some cents were transfered by NFCU without my consent and authorization. This action is going to cause a vendor I made arrangements to pay {$110.00} and some cents to not be paid. Furthermore I was not given proper notice and full disclosure in regards to these accounts. I called NFCU prior to this transfer and I was told that they are allowed to go in my checking and savings account to put towards accounts past due/ owed. This is not right and violations on so many levels. I would like all funds taken to be returned and because of non compliance to federal laws of Truth In Lending Act, Equal Credit Opportunity Act, Electronic Funds Transfer Act, Fair Debt Collection Practices Act, all contracts are null and void.
Product: Credit reporting or other personal consumer reports

This is very upsetting, It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had XXXX  effects on both my financial prospects and my XXXX  well-being but my requests and complaints kept getting ignored or disregarded which furthers the XXXX  impact on both my life and my credit.
Product: Credit reporting or other personal consumer reports

I filed XXXX  XXXX almost 7 years ago. My house had a loan modification done on it and was not included in the XXXX  XXXX. My mortgage hasnt been being reported to my credit bureaus the entire time. Under law, Section 1328, when my mortgage is not included in the bankruptcy, it should still be reported on my credit bureaus. Company states that if theres a BK that they dont report the mortgage, but that should only apply to when a mortgage is included in the actual bankruptcy.
Product: Debt collection

on XX/XX/XXXX I received a phone call from " Dynamic Recovery Solutions '' stating that they are trying to collect on a debt that they just received, but was apparently from XXXX. XXXX was the represented that I spoke to and she stated that the debt was from the XXXX XXXX and/or a University. ( This University I attended in XXXX but no outstanding debt ) Previously I had received a call from them in the summer and requested that they send proof of the debt as they wanted me to verify my information over the phone, which I did not. I informed XXXX that I did not receive a verification of the debt and she said that they have it all online and gave me a website and password to access. I stated that I do not want my personal information online and that they did not have the authority to do that. She claimed that it is secure. During the phone call she kept insisting that I make payment arrangements and that this has been reported negatively to the credit bureaus, they have also been making harassing phone calls to my children 's cell phones. XXXX stated that she pulled and reviewed my credit report and started discussing my credit history, I did not authorize or was even made aware that this company pulled my credit report. All of which are violations of Fair Debt Collections Practicing Act and the Federal Trade Commission by violating my privacy and security by putting information online on their website. ( XXXX )
Product: Student loan

Mohela is adding balance to the principal despite the administrative forbearance. The interest rate is supposed to be 0.0 %, yet my balance is continuing to increase. They also sent an email out on XX/XX/year> saying that the interest will continue to accumulate despite being in forbearance. Shady and probably illegal practices. Seems like they are counting on people to not notice small increases in balances. I can not even track my loans properly because they had made it so confusing by pushing fake notifications and not providing any real notices when they suddenly decide to increase your balance. Theres no way for me to tell when my balance increased because they are not being transparent. How can it keep going up while in administrative forbearance at 0.0 %? I am exhausted by dealing with Mohela. It is impossible to get through to speak with someone. Someone needs to stop them because they are participating in shady practices.
Product: Debt collection

I was contacted by phone to call a debt collector or future legal action would be taken. I called them but they refused to notify my in writing about this debt such as amount owed. I also disputed the debt with them. They are refusing to contact me in writing and will not call me back.
Product: Credit card

Bank of America has included sign up bonuses received for opening new credit card accounts in XXXX XXXX of the 2024 XXXX forms. These bonuses are only credited if a required minimum purchase amount is charged to the card. It is well known that the IRS considers bonuses linked to a required purchase as a rebate or discount and not as taxable income. Other large US banks are not reporting these bonuses as income and in previous years Bank of America did not do this. Several years ago XXXX had to issue corrected XXXX after they included these bonus amounts in the original documents. This should be reviewed by a tax accountant or attorney as tax law expertise is required. Obviously customer support lacks that expertise and would be incapable of dealing with this issue.
Product: Debt collection

My XXXX account was compromised by unauthorized individuals. The perpetrators executed two substantial transactions, funneling funds through various XXXX accounts to obfuscate their trail. This activity is entirely inconsistent with my typical usage patterns. 

Details of Unauthorized Transactions : Transaction 1 : XX/XX/year> - {$4800.00} Transaction 2 : XX/XX/year> - {$990.00} These transactions were significantly higher in value compared to my usual XXXX activity, which is predominantly for small family-related payments, never exceeding {$100.00}. 

Dispute with XXXX : Upon discovering the fraudulent transactions, I promptly filed a dispute with XXXX. Unfortunately, XXXX dismissed my claim, asserting that the transactions were consistent with my regular activity. This dismissal was made despite the clear discrepancy between the fraudulent transactions and my typical XXXX usage. I am now facing chargebacks and bank reversals for transactions I never initiated. 

Now, XXXX has turned over {$4800.00} to a private collection agency, American Coradius International LLC, to attempt to get me to pay it. I do not owe this money, and I insist that all debt collection activities cease immediately. I will be updating the FBI regarding the collection activity. 

I insist that debt collections for this fraudulent activity cease immediately and that any reporting to any and all credit bureaus be corrected and stopped.
Product: Debt collection

Bank of America 's credit card debt of {$10000.00} was sent to a credit collection agency in XXXX. 
The agency or bank of America did not provide any notification about the charges or details of my debt. I received only phone calls but no other physical documentation. 
In XX/XX/XXXX, I sent a debt validation letter ( Registered Mail ) to the collection agency listed on my credit report. To date, this agency did not reply and keeps reporting about my debt. I am not sure who is the collection agency or how they came up with the money I owe and whenever I ask for details they don't provide any proof or validation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The following Creditors have violated my rights : Absolute Resolutions Account no. XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXXXXXX Account no. XXXX XXXX XXXX XXXXt Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account no. xxxxxxxxxx 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, credit repair services, or other personal consumer reports

My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed TransUnion,  XXXX , nor  XXXX  has ever validated or verified these public record entries on my credit report, neither will they ever be verified by the courts. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I request that the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given TransUnion,  XXXX  and   XXXX    multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated. I am hoping this matter will result in the removal of the bankruptcy from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX Balance : {$22000.00}