23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I requested a copy of my consumer reports and I've notice i have some unauthorized inquiries that i did not initiate! I believe i may be a victim of identity theft and I would like these unverified and unauthorized items to be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
18 U.S. Code 1028A - Aggravated identity theft- ( A ) ( 1 ) Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) 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. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Debt collection

RE : LETTER OF CANCELLATION OF DEBT To : Consumer Financial Protection Bureau My name is XXXX XXXX, Im filing this complaint against Ditech Financial LLC located at XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX AZ, XXXX. My complaint is regarding not receiving a debt cancellation letter from the company because they foreclosed on my home and mailed me a 1098-A. 

In XX/XX/XXXX I requested a modification from XXXX XXXX XXXX ( See Attachment A ) these are the individuals I purchased my home from in XX/XX/XXXX.  At the time of the request XXXX XXXX loans were serviced by Green Tree Services. I went through the XXXX Program ( XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX to get refinanced for a lower interest rate on my home. After submitting paperwork through XXXX and to Green Tree, Green Tree responded by saying We service your account on behalf of an investor XXXX XXXX  XXXX or group of investors XXXX XXXX that has not given us contractual authority to modify you account under the HAMP ( See Attachment B ). 

I re-applied in XX/XX/XXXX for the HAMP program through a new servicer for XXXX XXXX which is Ditech Financial LLC, after completing the request to refinance through the HAMP program they responded by saying We service your loan on behalf of an investor group of investors that has not given us the contractual authority o modify your loan under the HAMP ( See Attachment C ). After being refused for refinancing for being in my home over 16 years, the home was foreclosed in XX/XX/XXXX ( See Attachment D ). 

In XX/XX/XXXX I received a collections letter from Ditech indicating that I stilled owed {$41000.00} on the foreclosed property ( See Attachment E ). I reached out to them via certified mail requesting information regarding the foreclosure ( Attachment F ). The responded by indicating they were looking into the matter ( Attachment H ). 

In XX/XX/XXXX I received a Form 1099-A for XX/XX/XXXX( Attachment G ). The 1099-A form indicates that its for Acquisition or Abandonment of Secured Property which is completely wrong. As I have indicated with proof I have tried to refinance through government programs to save my home. However, they were never accommodating to any request. The XXXX program indicated to me that since they wouldnt comply with government regulations that I couldnt use them for modifications or refinancing of my home. 

Im requesting a letter of cancellation of debt from Ditech since the company has submitted a 1098-A that has to be filed with my XX/XX/XXXX taxes. They refused to help me on several occasions, therefore anything outstanding per Ditetch, this debt should be cancelled ( Attachment E ). 

I look forward to hearing from you regarding soon this matter, you can contact me through mail at XXXX XXXX XXXX XXXX, TX XXXX or through email XXXX. 

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

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Product: Checking or savings account

Fraudulent fees and freezes on my checking/savings account with Wells Fargo Bank on or after 2011.
Product: Money transfer, virtual currency, or money service

My account has been locked for over 13 days with zero  response from Coinbase after raising a support ticket immediately. Have also tried XXXX their support XXXX  account with no response. Also impossible to get through to their phone support line. This account contains money and a number of cryptocurrencies which I can no longer access.
Product: Credit reporting or other personal consumer reports

As shown in the attachment, I have been in correspondence with these agencies to remove incorrect/unverified information to which they have not done. They are currently in violation of privacy laws and causing damage to my person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a CFPB complaint on XX/XX/XXXX against Advance Bureau of Collections ( complaint id XXXX ) regarding a debt that had already been paid and them adding a collection account on my credit for this debt. Their response acknowledged this debt had been paid and they said they would remove the account from my credit. As of today XX/XX/XXXX, this account is still showing on my credit as a negative collection item. It is absolutely absurd that I am having to file a 2nd complaint to resolve this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX of XXXX : XXXX LexisNexis Risk Solutions Consumer Center Attn : Security Freeze XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am requesting the immediate unfreezing of my credit file. 

My name is XXXX XXXX My current address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The last of digits of my Social Number is XXXX My date of birth is on XX/XX/XXXX I have enclosed photocopies of a government-issued identity card AND proof of residence as a utility bill or phone bill. 
Attached is the required documentation. 

I acknowledge the terms and conditions of the Bureau and we agree to abide by the same including any amendments in the future as may be done at your end. 

I am looking forward to your cooperation regarding this matter and updating the same intimate upon change. 


Yours truly, XXXX XXXX
Product: Checking or savings account

I am writing to formally lodge a complaint against Navy Federal Credit Union regarding multiple overdraft fees that have been applied to my account. Despite having sufficient funds available at the time transactions were authorized, I was charged overdraft fees due to delays in the posting of charges or credits. This situation mirrors recent findings by the Consumer Financial Protection Bureau ( CFPB ) regarding Navy Federal 's similar practices, where transactions were settled with insufficient balances despite initial available funds. I believe these practices are unfair, and I am requesting a thorough investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX  XXXX, The Creditor, XXXX XXXX XXXX sent an email informing me that they deleted their negative reporting from my credit report. It reads : XXXX XXXXXXXX XXXX  has requested that the major consumer reporting agencies either change XXXX XXXXXXXX XXXX XXXX tradeline, concerning this Account ( my credit report shows two accounts, where XXXX XXXXXXXX XXXX allowed someone to open another account in my name and make fraudulent charges, after having a security alert and credit freeze on my credit file ). 

They knew the accounts had received multiple fraudulent charges, so I sent them the police report and FTC report to have the account deleted. They then sold the same accounts to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, when they knew they were deleted and paid, due to Identity Theft. Is that not illegal? Is that ethical? How are there XXXXwo accounts for the same company, that opened around the same time? One was opened fraudulently and one was used to make fraudulent charges on my credit accounts that thieves stole from my purse, while I was in the gym. A police report was sent as well. As of today, XX/XX/XXXX, XXXX XXXX, XXXX is still trying to collect funds on a closed debt. I demand they remove these inaccurate collections accounts from all of the major credit bureaus reporting negative information.
Product: Credit reporting or other personal consumer reports

As a Federaly proteceted Consumer I ama now opting out of any and all Authorization ( s ) I the consumer may have give you written/Unwritten and Verbal or Non Verbal, Per 15 USC 6802 .

Under USC 522 ( a ) : The consumer doesnt have to furnish any SSN to any Authority other than an official Government Agency .

Under 17 CFR 424 any company that is under the SEC COMMISION or Contracted with is not allowed to to Solicit and ( or ) Commit Language fraud under this Law.

Under 15 USC 1681 Accuracy and fairness under this law has been violated.

Under IRS Publication 4681 any Charge offs are considered Income.

Income is not allowed to be reported upon a Certificate of In debtness under this provision of the Law.

It is illegal to report any and all Transictions or History under the Privacy act of 1974.

Failure to comply will result Civil Liability for any and all Corprations in violations of these laws. USC 1681 ( N ).

All future Authorizations have now been Rescinded immediatly.
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of XXXX  ( XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting. 
15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Student loan

I have called multiple times in an attempt to clarify payment adjustments and qualified payment information towards student loan forgiveness, but do not have the time to wait on hold for 2-3 hours at a time. I have called and held only to be disconnected before speaking to a person. Additionally, I have emailed Mohela about this information, but have received no response.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX agreed to waive a balance of {$330.00} after failing to provide proof that I owed the amount. I have a written email confirmation from XXXX acknowledging this waiver, and an updated statement reflecting a {$0.00} balance. 

Despite this, on XX/XX/XXXX, I received a collection notice from Genesis Credit attempting to collect this invalid debt. I spoke to a representative named Bill, who was rude and dismissive, stating that they would NOT remove this debt, although I explained that this was waived by XXXX. He LITERALLY STATED, " NOT GOING TO HAPPEN, these things are not waived and if you don't have an updated ledger, you still owe. '' Despite the documented agreement from XXXX I attempted to inform him about, he accused me if overtalking him and I ended the call. 

Genesis Credit 's actions violate the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e ( 2 ) ( A ), which prohibits misrepresenting the amount or legal status of a debt, and the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681s-2, which requires accurate reporting of debt information.

I am requesting that : Genesis Credit immediately cease collection efforts on this invalid debt.

Genesis Credit confirm in writing that the account has been closed with a {$0.00} balance. 
XXXX XXXX XXXX update its records and provide written confirmation that this debt is waived. 
Neither Genesis Credit nor XXXX XXXX XXXX report this debt to any credit bureaus. 
If this matter is not resolved, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I expect a written resolution confirming that this issue has been corrected. 

Desired Outcome : Immediate closure of the account with a {$0.00} balance Written confirmation of resolution No reporting of this invalid debt to credit agencies Attachments : ( Attach the email from XXXX XXXX XXXX confirming the waiver )
Product: Student loan

My private student loans are currently being held by XXXX XXXX XXXX XXXXXXXX XX/XX/24 I received an email from the U.S. Department of Education determining that I have received full student loan discharge, due to the determination my school engaged in unlawful conduct.

With Borrower 's Defense approval, group discharge, and Federal action against my school confirmed
, I requested a school misconduct application from Lendkey. My request was denied. 

XX/XX/24 I contacted Lendkey and the representative stated my loans were ineligible and I would not receive an application. 

XX/XX/24 I contacted Lendkey again to confirm and was told, " We don't have that. '' The representative verified with their Supervisor and was told, " We don't handle that. '' At this point I am under the impressed that Discharge for Misconduct is unavailable for me. Please look into this.

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

I am unable to retrieve my credit report or score from Equifax. I recently disputed some information on my credit report and received the results back via mail. The Credit report I received from them states there is a Temporary Update Freeze on file. I cant access my credit report, or score online through their website, or any other website that reports credit information. The last update provided on their website is from XXXX, and when I try to refresh it shows no information available. I have called them to ask about it and nobody can provide any information, which is harmful because If I have to apply for credit and they check with Equifax the company im applying with will not be able to get any information. I have included screen shots of what it shows when you try and access information in my Equifax file from 3 different websites including Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint in reference to the credit bureaus knowingly reporting inaccurate data/information. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand these inaccurate addresses be removed. I XXXX XXXX XXXX legally requested these unknown addresses be removed reporting without valid proper disclosure requirements are in direct violation of my consumer rights. Federal law requires you to respond in ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with the credit bureaus. Thank you, I look forward to resolving this expeditiously.
Product: Debt collection

Letter from MRS BPO LLC claiming owe {$530.00} from an account with XXXX XXXX. Talked to banker at XXXX XXXX  in XXXX XXXX, XXXX  who looked up alleged account number XXXX and XXXX account number and indicated there never was an account with XXXX XXXX XXXX  and that the letter is clearly fraud.
Product: Money transfer, virtual currency, or money service

As of today, XX/XX/XXXX, I have called PayPal twice prior in regards to a surprise account limitation. There is over {$600.00} in my account at this time. I run a small business and provide a garbage hauling service for people who need items hauled away. 

The first time I called, XX/XX/XXXX, I was told a case would be opened and I would receive more information in 48-72 hours. 

I called back XX/XX/XXXX to ask about the case status and the person I spoke with told me they did not see a pending case open and would open one at that point. 

Both times I tried to get an explanation for why my account was limited and neither person could give me any sort of answer and simply said there was a violation of term and agreements. I have been a PayPal customer for over 10 years with no issues or warnings. 

XX/XX/XXXX I received a link to upload my drivers license and have had zero communication from PayPal once again. 

I called the number ( XXXX ) XXXX XXXX on XX/XX/XXXX @ XXXX XXXX  EST ( 15 DAYS AFTER I WAS TOLD I WOULD GET A REPLY ) and was put on hold with an expected wait time of 12-18 minutes. 

What PayPal is doing here is immoral and Illegal. You are stealing my money and hiding behind thousands of words of legal mumbo jumbo that no one reads. 

XXXX ( a person with a thick hard to understand accent ) was the customer rep that called back at XXXX XXXX  EST XX/XX/XXXX. 
He asked for and explanation for a transaction the occurred on XX/XX/XXXX from XXXX XXXX I explained that I had already told the person on XX/XX/XXXX that it was a service for hauling garbage away. I was put on hold at XXXX EST. 

XXXX then told me that in 30 minutes my account would be back in good standing. Since the limitation was being reversed. This reversal would have occurred at XXXX XXXX  EST XX/XX/XXXX. 

The evening of XX/XX/XXXX the account is still limited. This company is full of crooks and bold liars willing to do anything to get me off the phone. 

Called back XX/XX/XXXX @ XXXX XXXX  EST and back on hold. The person I spoke with, XXXX ( also had a difficult to understand accent ), asked me the exact same questions I was asked XX/XX/XXXX, XXXX, and XX/XX/XXXX and told me that there was no way that the account limitation would be lifted ( Complete opposite of what I was told the day before by XXXX ). So clearly the person I spoke with on XX/XX/XXXX was another liar just trying to deflect me. She constantly apologized for herself and PayPal and told me that she would escalate the case. I told her I didnt want any apologies and wanted to talk to her supervisor. And this point I heard laughing and talking in the background. She put me on hold as I waited for a supervisor for 10 minutes after that the line rang for another 10 minutes until I finally hung up.

I have done nothing wrong and this company is hiding behind call centers and legal jargon. At this point I want the balance of the account back plus damages for all the time spent and headache I have endured speaking with this criminals.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , 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 card or prepaid card

My husband was swayed by the high-pressure marketing strategies with XXXX XXXX XXXX XXXX XXXX He thought that it sounded wonderful and he thought that our XXXX daughter would love to be able to go to different vacation areas. After XXXX set us up with Barclays Bank credit cards to purchase a few " points '', my husband realized that we couldn't afford this and also that the few " points '' were pretty much useless. I knew that we couldn't afford those few points, but he really thought that we could swing it. Shortly afterwards, he realized that we couldn't afford them, but we had already signed papers. After he allowed me to contact XXXX to let them know that we couldn't afford it-especially after he came down with Covid again and wasn't able to work and I had to have XXXX and couldn't work- they released us from the contract. We have the signed documents stating that they released us from the contract, XXXX # XXXX. However, Barclays Bank continues to harass us about paying for something that we don't even own. They call us usually at least two and three times a day and every time that we answer, there is either no one on the line or they hang up. I don't know how to get them to stop calling. We can't afford to hire a lawyer and I know that this is going to mess up our credit. Plus, it is causing so much stress on us, because we always try to pay our bills on time.