23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had defaulted on a FFEL Consolidated loan in XX/XX/XXXX. The loan was then turned over to a collection agency. I have been on a payment plan with this collection agency for 21 years, and I have not missed an agreed upon amount payment, but my loan is still showing to be in default status. 
In XX/XX/XXXX I received a letter stating " Congratulations, you are only two more on time payments away from qualifying for student loan rehabilitation ... Once your loan is sold, your default will be over ... '' Why only two more on time payments? I just made over XXXX on time payments ... why now? why was n't I offered a rehabilitation 15 years ago? If I was, this loan would have been paid off and I would n't be having a balance of the following : As of XX/XX/XXXX : ( 22 years after going into default ) Accrued charges = {$97000.00} Applied to interest = {$75000.00} Applied to collection costs = {$21000.00} Misc fees = {$470.00} Applied to principle = {$0.00} Payments = {$84000.00} Beginning balance = {$38000.00} Ending balance = {$52000.00} Is it the collection agency or loan holder 's due diligence to collect on a loan and not drag it out? A loan of {$38000.00} and a repayment plan totaling {$130000.00} ... is that legal? 
A mark up of over 350 % on a Federal Student Loan? When I was making a payment every month for over 20 years.
Product: Credit reporting or other personal consumer reports

My information was included in a data breach in 2019 by XXXX. Where my social security number and ID was compromised. There have been several account appearing on my credit that I did not open nor have I ever had a relationship with these entities. I would like these items removed from my credit report as they are becoming a hinderance. The accounts are as followed : XXXX XXXX {$1900.00}, XXXX  XXXX XXXX. These accounts have been removed from all of my credit reports except for Equifax. I would like these to be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed this account with XXXX, to get proof that this is a account of mind the dispute was done under section 609 of the fcra. XXXX has to show proof to report this on my credit file or remove it.
Product: Prepaid card

I received an American Express gift card for {$100.00}. I tried using it at XXXX XXXX, an online clothing store and at XXXX. It was rejected everywhere. Online forums say that this is typical. I submitted questions online and talked to someone at American Express, but they wouldn't help. They just said useless things like to check the balance. They basically that I had to keep trying to find a retailer that would take it.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692C section 5 : states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law, effective XXXX XXXX, 2017 any public record data must include name and address as well as a Social Security Number and Date of Birth in order for it to appear in your credit file. The Credit Bureau has not updated the information. Per the new law true Brankruptcy listed does not include this information this and should be deleted from MY credit report. As stated before this does not belong to me and should have never been placed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company GM Financial has not reported my account as Closed to all 3 credit bureaus, my account was paid off on XX/XX/XXXX for amount XXXX and the company failed to report the correct information to all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Verisk Financial ( LCI ) dated XX/XX/22. In the letter, LCI stated that they provided TransUnion with information from a " Public Record ''. Under the FCRA, a furnisher is obligated to ensure that accuracy of the information reported. In this case the furnisher is The " United States Bankruptcy XXXX XXXX XXXX XXXX Florida ''. I have not given LCI permission to use my " Personal Information '' which is not " Public Records '' to transfer, report or use in any transaction related to my consumer report. LCI has violated 15 U.S. Code 1681b ( 2 ) and therefore must remove any records related to this matter. In addition, LCI has also violated 15 U.S. Code 1681i, which requires that a furnisher verifies the accuracy of a reporting account. I have attached a letter from the US Bankruptcy Court in which the Deputy Clerk certifies that " The court does not report any filings to credit agencies ''. This is clear evidence that TransUnion or LCI has not contacted the furnisher for proper verification and therefore this record must be deleted. In a letter dated XX/XX/22, XXXX XXXX of TransUnion admitted to using ( XXXX  ) to verify this record, which again is a violation of 15 U.S. Code 1681i as PACER is not the furnisher of this record and does verify the accuracy of the record. I have not given TransUnion permission to use my " Personal Information '' such as my " Social Security Number ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency furnished inquiries and accounts on my report without permission. I, as the consumer, also asked them to remove all of these inquires and accounts not initiated by me ( The Consumer. ) This company is violating the law and my rights as a consumer. I'm exercising my rights to have these accounts be removed per 15usc 1681b section C 1 ( a ) : '' I do not grant XXXX, XXXX, or Experian the right to furnish this on my report.

My instructions are for you to Remove all inquiries from my report.

Per 15 usc 1681b section C ( 3 ) : A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Remove all student loan accounts from my report. Per 15 usc 1681b section ( e ) ( 1 ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
Product: Mortgage

I submit a previous request ( XXXX ). 
The company submit proof that I never sign. I need original copy, with my original signature in a notarize document. I need copy of the only modification paperwork that I did in 2010 with XXXX. I 'm taking legal action agains XXXX XXXX. for fraud and forgery and probaly agains SPS if I do n't received an appropriate answer from them, since I tried to communicated with them several times and nobody can give an answer about my problem. After spoke with my lawyer, if we do n't received copy with my original signature, we will included SPS as well as part of the legal action for fraud and forgery since they own my mortgage now. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

IN Accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account 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 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates th e report by more than seven year. 15 U.S.C. 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have reached out multiple multiple times to equifax requesting from them documents that they are required according to the law to provide to me and they continue to refuse and causing me tremendous damage ILLEGALLY. 

this is in regards to inquiries on my report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX They keep on sending me back letter saying " we verified it is correctly reporting '' HOWEVER, they refuse over and over again go actually send me what I am requesting legally. 
This is my last and final request before handing this to my legal team and gon na get back all the damage they caused me the past year. I will be taking this very serious from here forward because they are CLEARLY VIOLATING THE LAW. The law requires for them to provide me with the actual proof showing my name, signature, or anything they can proof that these are in fact mine. Because they are in fact not mine. And never did I apply for anything with these banks or dates.. 

THIS IS MY FINAL ATTEMPT VEFORE ESCALATING THIS TO REQUEST TO PLEASE PROVIDE ME WITH ALL DOCUMENTS YOU OBTAINED TO VERIFY AND PROVE THESE INQUIRIES ARE MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of Accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 
XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX Reference # XXXX XXXX Reference # XXXX XXXX U.S.C. 1681 Section 602 A States I have a 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 which antedates the report more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information with actual knowledge of errors.

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.

( a ) ( 1 ) ( B ) Reporting Information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information being reported on my credit reports. There is a discrepancy on my credit reports, as I have two different electricity companies reporting to collections. One is in the state of Texas, while the other is in the state of Mississippi. There is no way I could have services in both states at the same time. XXXX XXXX and XXXX XXXX are both stating that I opened services on XX/XX/2020. This is impossible.
Product: Mortgage

I have sold my home and noticed that my fha loans ( {$10000.00} and {$8300.00} ) and loan modification payoff to hud ( {$59000.00} ) were all going to be paid. My loan modification through loancare llc or XXXX was to include both of the fha loans as well as my missed mortgage payments. I called loancare on XX/XX/2022 at XXXX ( XXXX minutes ) to confirm the modification included the fha loans. The person with loancare did confirm and told me to call fha to figure out why it was still showing. 

I called calfha and they told me loancare made a mistake because those loans are not to be included into any modification. 

I called loancare again XX/XX/2022 at XXXX ( XXXX hour XXXX minutes ) and told them what I had learned. The first girl told me she didnt understand because thats what they were supposed to do for these modifications after Covid. I asked her for a breakdown of what the loan modification amount was for and they refused to send me one by mail or email. I asked to speak with a manager ( XXXX # XXXX ) who also told me no after a long hold time. She said she would give me a verbal breakdown and is as follows {$13000.00} delinquent - something I couldnt hear {$9900.00} taxes and escrow {$35000.00} outstanding principal My mortgage payment before the forbearance was {$1800.00} which broken down is as follows {$390.00} to principal {$940.00} to interest {$570.00} to escrow Principal times twelve months equals {$4700.00} so I dont understand where they got the outstanding principal figure they verbally gave me.

But if I multiply my mortgage payment times 12 ( the time I spent on forbearance ) it comes to {$22000.00}. 

My original loan was for {$270000.00} and I owe {$230000.00}. If I add the {$59000.00} to what I owe it comes to {$290000.00} and if I also add both of the fha loans to that it is {$310000.00}. These numbers dont make sense. Someone there made a mistake and it needs to be fixed. 

Escrow funded yesterday and that means they will receive all amounts. Can you please step in and see that loancare llc or XXXX does the right thing and sends me back the money they dont have a right to? I hope I explained the situation well enough. Thank you.
Product: Checking or savings account

I helped a friend received a XXXX transaction, so Capital One called me and they told me theres some suspicious activity going on my account and theyre gon na please place it on suspension so weeks ago by they ended up closing the account and they told me when they close my account theyre gon na send me all the money I have in my account mind you when this when the suspension happened I had about {$550.00} in my account during the suspension. I received over {$1000.00} paycheck from my job about two weeks later on the XXXX of XXXX I received about {$270.00} in my account so when I got my check today, I only received three cents instead of over {$2000.00} in my check, I only receive three cents.
Product: Money transfer, virtual currency, or money service

My PayPal account was closed because of some activity on my account. Paypal said they will hold my money for XXXX days. That was XXXX year ago. Paypal keeps telling me it is under investigation. I keep calling and they tell me the same thing. I would like PayPal to release my funds. PayPal is basically stealing from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive previously contacted XXXX XXXX via mail requesting the updating of inaccurate information ( late payments ) on my credit report.They sent a letter refusing to remove/ update the information on XX/XX/2020. Then After emailing their CEO explaining my issue I received a call XXXX/XXXX/XXXX. The representative wanted me to tell her my story and afterwards she told me they refused to remove the information again. Tell me that isn't unfair? 

I am very unhappy with the unfairness and inequitable practices of XXXX XXXX. 
After reporting the presence of inaccurate information on my credit report and requesting that the information be corrected. As accuracy is a measure of value, I was told that this information was valuable to my life and that it could not be changed. In addition, my reputation has been ruined as Ive been denied credit increases and extension of credit by multiple lenders due to XXXX XXXX reporting these late payments. 

According to 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
Product: Debt collection

To Whom It MaXXXX Concern : XXXX XXXX XXXX CREDIT COLLECTION SERVIC XXXX XXXX : XXXXXXXX XXXX XXXX has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. 
Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. 

The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

What Happened : I have repeatedly sent payments to Discover for my account ending in XXXX via registered mail with XXXX, and XXXX has confirmed delivery to the address provided by XXXX. Despite this, XXXX continues to report my payments as late, which is inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have contacted Discovers customer service multiple times, where I was given different addresses for payment submission, yet XXXX either claims they have not received the payments or does not acknowledge receipt. 

In addition to these issues, I am opting out of having my credit card utilization reported to the credit bureaus. Despite my right to opt out, as provided under relevant privacy laws, XXXX has continued to report this information without my consent. Furthermore, I do not receive a monthly privacy statement from XXXX, which is required to inform me of my rights and options regarding the reporting of my personal information. 

Applicable Laws : Discovers actions violate several federal laws and regulations : 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) : This statute mandates that furnishers of information must report accurate information to credit reporting agencies. Discovers continued reporting of my payments as late, despite confirmation of payment receipt, is a clear violation.

15 U.S.C. 1681e ( b ) : This requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy in the information reported. Discovers failure to update the payment status accurately reflects non-compliance with this requirement.

12 CFR 1022.42 : This regulation demands accuracy in the information provided to consumer reporting agencies. Discovers inaccurate reporting of my payment status violates this regulation.

12 CFR Part 1016 ( Regulation P ) : This regulation governs the treatment of nonpublic personal information by financial institutions, requiring them to provide a privacy notice. XXXX has failed to provide me with a monthly privacy statement, which is required to allow me to opt out of certain types of information reporting. 
15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) : This law requires financial institutions to provide customers with a privacy notice that explains their information-sharing practices and allows customers to opt out of certain types of information sharing. XXXX has not provided me with the required privacy notices, nor have they honored my right to opt out of reporting my credit card utilization.

15 U.S.C. 1681n ( a ) : Under this statute, any entity that willfully fails to comply with the FCRA is liable for damages of at least {$1000.00} per violation. Discovers continuous misreporting of late payments, despite evidence of timely payment, and their failure to provide a privacy statement, constitute willful non-compliance.
Product: Checking or savings account

On XX/XX/23, an unauthorized withdrawal occurred on my Chime checking account in the amount of {$48.00}. 
On XX/XX/23, I contacted the bank to inform them of the fraud and they refused to explain the transaction. They also refused to remove it. 
I believe this bank is in violation of Regulation E.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX  Account # 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 furbish an account without my written instructions.