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

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
Product: Student loan

There is something fishy going on a Navient. I have tried to payoff my student loans twice this year. And both times they come back to me and say I owe more fees and interest. My last attempt was this month. After sending in the stated amount they said I owed to pay this off - they now say I own another XXXX on the last assessment of XXXX following is the email I just sent them. 

" I've tried twice, both unsuccessfully, to pay off my student loans this year. The problem is an odd one. I pay what you say on the web site is due to pay them off - and then you bill me another balance due. Just this month was the second time this has happened. Earlier this year I sold a property and attempted to pay off the loans and was billed XXXX above what your web site said was due. When I called and said I had requested a payoff before I sent in the payment, your customer service agent was not familure with that term. This month I tried to payoff that XXXX and I am billed another XXXX on the last XXXX I was billed. So my question is how will I ever be rid Of you if we continue down this path so I am sending this email to the CPFB as well so maybe someone can address my concern. I want off your rollercoaster so I can tie this up before I retire. '' So CPFB something is fishy here. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX XXXX and I am writing to you from XXXX, XXXX. 
I hope this email reaches someone who can assist me and those who are also suffering abuses from the PayPal platform. 
The reason for this message is to express my deep frustration and sadness regarding the situation I am facing with PayPal. 
Since I received a transfer from the United States for a XXXX XXXX, I have been a victim of a retention of funds that I consider shameless and unjustified.


This company has appropriated my money without clear grounds, preventing me from accessing it. Furthermore, I have been forced to undergo several procedures, such as transferring funds from my local account to verify the authenticity of the transaction and requesting a verification code from my bank, which can take between 3 and 30 business days. Despite having met all the requested requirements, they continue to withhold my money, claiming that I will only be able to access it after 21 days or after making 5 additional transfers over {$10.00}. This situation seems abusive and vile to me. Upon further investigation into this issue, I discovered that many people are in similar situations, which is alarming and leads me to think about the illegal capture and capitalization of money by PayPal.

Their practice of withholding funds seems designed to accumulate a significant volume of money and profit illegally while the funds remain in their possession.

I am attaching visual evidence of the withheld money and look forward to any response or guidance on how to proceed.

It is concerning to think about how many people may be affected by this malpractice in a global service.

I apologize if this is poorly written ; I used a translation tool because I do not speak English.

Thank you for your attention to this critical matter. 
Sincerely, XXXX XXXX XXXX XXXX Phone number XXXX XXXX
Product: Checking or savings account

My mother received a statement from Wells Fargo in my name. Didn't think much of it but found it was an XXXX XXXX account. Opened on or before XX/XX/XXXX as the statement has no balance nor transactions from XXXX. I have never done business with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX  XXXX and XXXX  l opened : XX/XX/XXXX {$1500.00} XXXX And XXXX XXXX opened : XX/XX/XXXX {$650.00} XXXX XXXX Closed XXXX {$700.00} XXXX XXXX  XXXX XXXX Last reported : XX/XX/XXXX {$240.00} XXXX XXXX Closed XXXX XX/XX/XXXX {$0.00} XXXX XXXX Closed XXXX XX/XX/XXXX {$0.00} 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 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, credit repair services, or other personal consumer reports

I've reached out to Equifax several times to report a fraudulent account and fraudulent inquires that have showed up on my report. I've called and spoke to a rep from Equifax Consumer Affairs. The rep sent me an email so that I can upload a new FTC Fraud affidavit and updated police report. They told me it would take 48 hours to receive and process to block from my report. I checked 5 days later with Equifax and nothing was done.Equifax continues to give poor service and continues to drop the ball and mistreat its customers with its unprofessional service and long wait times. 

The following account and inquiries are fraudulent : Fraudulent Account 1. XXXX XXXX XXXX # ending XXXX ______________________________________ Fraudulent Inquiries : 1.XXXX XXXX XX/XX/2020 2.XXXX XXXX XXXX XX/XX/2020 3.XXXX XXXX XX/XX/2020 4 . XXXX XXXX XXXX XXXX XX/XX/2020 5. XXXX XXXX XXXX XXXX XX/XX/2020 6.XXXX XXXX  XX/XX/2020 2020
Product: Checking or savings account

XX/XX/2020 went to Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. 
Opened a checking account, with a {$1500.00} check from current checking account in town I moved from. ( approx within 50 miles ). Received checks and a debit card. Wife currently has a checking account in Chase for 12 years. 
XX/XX/XXXX Received a letter they blocked my account and will close it. 
Reason due to XXXX  Report. 
I checked my XXXX Report which is attached, shows No lates with any accounts. A Good credit score The CFPB on Wednesday ordered Chase to pay {$4.00} XXXX for failing to comply with the Fair Credit Reporting Act.federal regulator says JPMorgan Chase was lax in ensuring the account history it reported was accurate. Further, the Consumer Financial Protection Bureau says consumers who filed disputes with the bank and those who were denied new accounts never received the information they were entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factor Trust has, on multiple occasions, failed to meet their legal obligations under the FCRA by responding to a consumer request within XXXX XXXX. I have contacted Factor Trust on multiple occasions, and they still have yet to mail me a letter regarding a security freeze, fraud alert, out-out prescreen, and consumer report. 

XX/XX/XXXX - Forms mailed priority to FactorTrust XXXX GA location XX/XX/XXXX - Forms faxed to FactorTrust at XXXX XX/XX/XXXX - Forms mailed certified mail to FactorTrust XXXX GA location XX/XX/XXXX - Forms received by FactorTrust at XXXX PA location XX/XX/XXXX - Forms mailed certified mail to FactorTrust XXXX PA location XX/XX/XXXX - Forms were received by XXXX FactorTrust in the mail ( I have a certified mail return receipt. 

On, XX/XX/XXXX and XX/XX/XXXX, I received a letter from FactorTrust indicating that they had no file matching my SSN, so they could not process my request. I did, however, enclose a letter giving FactorTrust permission to create a file under my SSN for the purposes of placing a security freeze. 

On XX/XX/XXXX, I sent an email to XXXX, and received an extremely informal response on XX/XX/XXXX ( only after I called did they send an email ). 

Additionally, I have contacted FactorTrust by phone, and they told me multiple times that I should receive a response, but to date, I have not received a response in the mail. 

ALL of the other consumer reporting agencies ( such as XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ) that I have contacted have responded within a timely manner and mailed a confirmation of a security freeze and opt out. Although some delays are expected from the pandemic, a delay over XXXX  moths is unreasonable and unlawful. 

The only thing I am requesting is a physical letter indicating that I have a security freeze XXXX  with PIN ), fraud alert, out-out prescreen, and consumer report. This request is reasonable, standard under FCRA, and standard in the consumer reporting industry.
Product: Credit reporting

I have contacted Experian after checking my credit report and saw a list of inquiries on my account that I did not authorized. I was informed by a rep ther was nothing I could do but speak to those companies and after calling check one the advised I was not in their system. So I contacted Experian and again was told I have to wait two years for them to fall off, I do not believe this is fair as they are not mines. I am listing the inqurires which I show on my account. It scares me to see this incorrect information and not getting any help, this is my personal information and affects my liveihood. 
1.XXXX XXXX/XXXX/XXXX 2.XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4.XXXX XXXX/XXXX/XXXX 5.XXXX XXXX/XXXX/XXXX 6.XXXX XXXX/XXXX/XXXX 7. XXXX XXXX/XXXX/XXXX 8. XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10.XXXX XXXX/XXXX/XXXX 11.XXXX XXXX/XXXX/XXXX 12. XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX 14. XXXX XXXX/XXXX/XXXX 15. XXXX XXXX/XXXX/XXXX 16. XXXX XXXX/XXXX/XXXX 17.XXXX XXXX/XXXX/XXXX 18. XXXX XXXX/XXXX/XXXX
Product: Vehicle loan or lease

In XXXX of XXXX I filed a complaint against Chase Auto Finance regarding my loan. The complaint number for that claim is XXXX. I have been XXXX since XXXX of XXXX and I bought a policy through XXXX Insurance for XXXX XXXXXXXX and XXXX XXXX when I bought the car. XXXX has been making my payments since XXXX of XXXX. Once again, they are claiming they didn't get a check for XXXX of XXXX. XXXX at XXXX, sent that check on XX/XX/XXXX. She has sent over a copy of the check that was sent to them. Chase has charged $ XXXX in late charges and are harassing me once again about non payment, even threatening to repossess my vehicle. I have made numerous calls to Chase and I get no resolution. This is so frustrating to me as I am chronically sick, and this is causing me undue stress. XXXX is doing nothing wrong, Chase Bank is once again dropping the ball, exactly as in my first complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX 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 XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

Thes accounts were charged off and collections paid off and closed accounts Quality acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accordance with the XXXX XXXX XXXX XXXX. The List of account i have provided below has violated my Federally Protected Consumer Rights to privacy and confidentiality under { 15 USC 1681 } XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX & XXXX : Acct # XXXX, XXXX has violated my rights. 
XXXX XXXX : ACCOUNT # XXXX, XXXX, XXXX has violated my rights. 

{ 15 U.S.C. 1681 } Section 602 A. States : I have the rights to privacy.

{ 15 U.S.C. 1681 } Section 604 A. Section 2. 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 Items '' 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 ) States 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: Debt collection

Aldous & associates attempting to collect a debt on behalf of XXXX XXXX and claims to be a debt collector.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXXXXXX - BALANCE {$8900.00} XXXX XXXX # XXXX - BALANCE {$2500.00} XXXX XXXX XXXXXXXX - BALANCE {$460.00} XXXX XXXX XXXX XXXX  - BALANCE {$10000.00} XXXX XXXX XXXX  - BALANCE {$12000.00} XXXX XXXX XXXX  XXXX - BALANCE {$1500.00} XXXX XXXX XXXXXXXX - BALANCE {$130.00} XXXX XXXX XXXX XXXXXXXX - BALANCE {$18000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX - BALANCE {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$660.00} XXXX XXXX XXXX DP OF EDUC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$730.00} XXXX XXXX XXXX XXXX XXXX - BALANCE {$52.00} DPT TREASURY XXXX XXXX - BALANCE- {$2100.00} XXXX XXXXXXXX XXXX XXXXXXXX - BALANCE {$200.00} XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$640.00} XXXXXXXX XXXX XXXX XXXX XXXX BALANCE {$1900.00} Unauthorized inquiries 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 XXXXXX/XX/XXXX
Product: Debt collection

I keep receiving mail correspondence addressed to my 8 year old for a debt we have no known information on. Creditor : Credit Collection Services
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I made a payment via Western Union to a person in the XXXX. Less than some 14 hours after the transaction, XXXX XXXX called me that my credit Card information was stolen and an attempt to charge about {$2000.00} was made, and asked if I am the one wanted to do such a charge, I told them no, so they say they will not allow to make that charge, and that part was a good thing. 
What my complaint is against Western Union who's system apparently can easily be breached and this is where they stolen my credit card information from, I believe via on Internal Western Union worker very possibly. I ask to investigate. 
The Tracking Number of my Transaction with Western Union was : XXXX Please force Western Union to investigate, to find out exactly how can someone else break into their financial system? 
I thank you,
Product: Mortgage

Bank of america, cashed a check on a mortgage in 2017. Then they said that I didn't pay it and reported my name and my wife 's name to XXXX XXXX XXXX. Saying I was late and didn't pay it. for over 5 years. Once we confronted BOA they stated it wasn't there fault it was XXXX XXXX. XXXX XXXX stated that BOA cashed the check not them. Therefore, I would like to file a complaint with BOA for misrepresenting the facts and for illegal reporting to Credit agencies, slander,
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX ... AVANTE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

EQUIFAX it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX XXXX XXXX XXXX  acct # XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/Date of First Delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate Equifax has XX/XX/2022, XXXX has XX/XX/2022, XXXX has XX/XX/2022. All three can't be accurate or correct. FCRA requires you to fix it or delete it. 

ATTACHMENTS
Product: Mortgage

In the recent days ( past 3 months ) I have made multiple additional principal payments to my mortgage account. However the loan service company is reflecting these payments as regular payments and directing the funds towards escrow, interest and principal. I had to make several customer service calls to fix this issue. On last encounter with same issue the company has assured me such incidents will not repeat. However my recent additional principal payment was again reflected in the same way. This is a serious issue mismanaging my funds.
Product: Credit reporting

An inaccurate Judgement is being reported on my Equifax credit report. The company made a mistake and requested that the entire trade line be removed from my credit report. It was requested on XXXX XXXX 2016. It is now XXXX XXXX and this judgement has not been removed from my credit report.
Product: Mortgage

I have my mortgage with PennyMac, I think that they bought my mortgage from the original lender I'm not sure, anyway when i first received my payment letter i went on lenders website and set up auto pay, after a year or so i guess the escrow amount changed to an additional XXXX XXXX at this point PennyMack was sending my mortgage payment to the balance and telling me i missed a payment! so after i called in and complainer they applied payment and i gave them my checking info and they fixed it temporarily, i told them i was on auto pat they said i was not, they told me that my bank should fix this, so i went to the bank and they said i did not have any auto pay on my account and that PennyMac takes money out! I've been going back and forth for monthes and now they say that i missed a payment in XXXX and that i had to talk to another department and then was disconnected called PennyMack back and was hung up on? The gentlemen was very rude and had no empathy for my situation before abruptly disconnecting call. Now my credit rating is being affected
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and on XXXX XXXX they pull our credit and put DELINQUENT Account my Score was about XXXX now its gone down more to XXXX My score would of been up to 550-575 And i could got Rifi! Now on my credit report XXXX XXXX XXXX pull my credit Four Times give me more Inquires so on XXXX saying iam Delinquent and XXXX XXXX XXXX Experian XXXX ... 
Our Payments are Not due tell XXXX of each Month Plus we got 10 days Grace period.We have upto XXXX, to get our payment in ... XXXX XXXX put 4 Marks on my Credit Report that should Not be thier.My Credit Union said they could RiFi at lower Rate about 18 % is Better then 26 % we have to pay crooked people ... 
XXXXIam unemployed from XXXX in XXXX XXXX Utah XXXX my wife fell down got hurt.She fell XXXX XXXX i XXXX XXXX we tried working one light duty but XXXX Ast Manager over work us, and Workmen Comp says we have to stay working for XXXX to get paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach and my data was allowed to be given to hackers, months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two sets of letters to have inquiries removed that I did not authorize. XXXX inquiries are concerning property rentals which I didnt authorize and live in a house and wasnt looking to move. One from a credit card I didnt solicit and declined their credit offer and they closed the account when I contacted the creditor and lastly a inquiry for a car purchase when I had my financing in place.
Product: Credit card

Web administrator acting as dictator over customer account. 
Web app & mobile app displays closed-end account of a false alias when given name is an open end account. Banker stated on the clerks side of computer ; given name is viewed correctly than on customer side of mobile application a false alias is displayed with closed end credit account.