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

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of thaXXXX XXXX  Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXX Employer - XXXXXXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, AL, XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Finance, over the last nearly 6 months I have been going through an incredibly cumberson identity theft case and followed the program set forth by the FTC. 

I'm not really even sure this is the correct government agencies to address the issues listed below. After countless days, hours, weeks trying to correct the problems caused by the identity theft and dealing with all the credit agencies from the FTC process EXPERIAN, XXXX AND XXXX, I was able to finally get some issues resolved. However, and I am sure this will be a major surprise to many people in the same situation, after my credit scores had improved some and I was able to attempt to apply for credit as I am on XXXX and not having the ability to receive credit can literally be a life or death issue. Most recently, I have been declined credit for reasons that were not on my credit reports or for reasons and sources that I never heard of and were not listed on any FTC suggestions. Therefore, in an attempt to again try to manage through this bureaucratic nightmare, I began to research the sources providing inaccurate, fraudulent information to the so I could correct the information. My research of the sources mentioned in my declination letters from potential lenders were actually companies owned BY THE CREDIT BUREAUS! 
Myself and I am sure millions of people will be shocked to see this. How is anyone supposed to ever overcome and identity theft case laid out by the FTC when the actual information is being furnished by a subset of credit agencies owned by EXPERIAN AND XXXX  AND XXXX. Most recently I was denied a loan on the basis of information received by XXXX XXXX, which is owned by XXXX  and from information provided by XXXX, which is owned by EXPERIAN. What is even more dishonest and fraudulent is that the information cited IS NOT on my credit reports that I have access too. I sincerely hope that Consumer Finance can assist me in correcting this problem and I have already contacted my attorney for guidance on what is clearly an unjust, corrupt and literally life altering issue. As a victim of the credit bureaus own mistakes i.e. hacking of information, as millions of other people have been, how can anyone ever overcome problems that they did not create when the companies holding the very life of people in their hands be permitted to blatantly misrepresent themselves, start " shell '' companies and provide inaccurate information that a consumer doesn't even fined out about until a credit inquiry cites information from companies that most people have never heard of. I will close my complaint with this, not only did the source of the information present a red flag to me but strangely the wording in the citations was verbatim the statements received previously by the credit agencies that I thought I was supposed to be dealing with ... ..whose overseeing who? I actually thought these 6 month ordeal and the FCRA act would actually help someone victimized by identity theft, some caused by the credit agencies themselves.
Product: Credit card or prepaid card

Hello - This is a complaint about PayPal who did follow the regulations associated with properly vetting a merchant. Thus, a fraudulent bad actor is using PayPal payment services/rails to accept credit card payments for a service that is NOT real. 


Merchant Name as registered with PayPal : XXXX XXXX XXXX XXXX Merchant Name as it appeared on my receipt : Forms Online Solutions Order Number : XXXX Date : XX/XX/2022 Service : Passport renewal online Situation : My passport expired earlier this year and I went online to renew it, but did not know that XXXX XXXX XXXX XXXX ( or Forms Online Solutions ) is not associated with the XXXX Department of State. I completed the online form with XXXX XXXX XXXX XXXX, who now has ALL of my personal information, including my passport number Request for CFPB : take the appropriate actions against PayPal, and stop this fraudulent merchant XXXX XXXX XXXX XXXX from doing business NOW PayPal : XXXX is the merchant transaction ID assigned by PayPal for XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX. Under 15 USC 1681 15 U.S.C 1681 section 602 A. States I have 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. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Product: Mortgage

On XX/XX/XXXX, I settled through short sale my first mortgage ( # XXXX ) and second mortgage ( # XXXX ) with Bank of America ( supporting documents are attached ). 
However, Bank of America forwarded my second mortgage to a collection agency called XXXX Mortgage. On XX/XX/XXXX, I sent XXXX a certified letter letting them know that they were collecting on a settled debt ; however, XXXX continues to harass me with letters and has reported me delinquent to all credit reporting agencies. Bank of America needs to update their records regarding my loan and notify XXXX that I have no outstanding payments or delinquent since this debt was settled with Bank of America on XX/XX/XXXX.
Product: Credit card or prepaid card

Bank of America froze my red debit card with no reason
Product: Bank account or service

My wife 's wallet was stolen, so we had to close our old account through us bank. So we closed said account and opened a new one ( mind you this will be our second time dealing with this issue ). I recent refunded a game worth XXXX and it was refunded to my old account, due to them just sending it to a different account is not possible for obvious reasons. XXXX, the company who refunded our money sent the money, we have documents on our side and XXXX side saying they refunded the money to us bank. Now after speaking with us bank, they refuse to give us the money that was sent to our old account, that has my and my wifes name. They already did this with one of my paychecks.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX  XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX account # 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.

I sent Debt Validation letters to these debt collectors and they failed to provide me a proof that they authorized to collect these allege debt. attached the USPS tracking and the validation letter i sent to them. PLEASE DELETE THESE COLLECTION ACCOUNTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified today that 'XXXX  XXXX '' placed a collection on my report. I have been paying this account through XXXX XXXX which is XXXX 's in house collection weekly. And XXXX XXXX who works for XXXX conveyed to me once payment was being made that it would not go to collection. Especially since Maryland is one of the states that is participating in the " Ban collection due to state of Emergency because of COVID-19 ''. I have been SEVERELY affected due to COVID-19. And this is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to fradulently place my account in " dispute '' status, after I have requested for months for them to remove this dispute language. For the 30th time, I am not disputing anything in regards to that account. I received an e-mail from XXXX XXXX, whereby, she stated : " Per your request on XX/XX/2018, we requested that the credit reporting agencies update their records and DELETE the dispute status from your credit report. '' This letter was dated ( and will be attached ), on XX/XX/2018. So, I ask, why is the language showing that it's still in dispute when XXXX indicated it would be removed? Also, why was the original case closed, when my credit report was showing this account still in dispute?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has been reporting 3 of my investment property mortgages delinquent for about 7 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From XXXX to XXXX currently. I have already filed a complaint with CFPB about this on XX/XX/XXXX, to which XXXX XXXX XXXX XXXX sent a letter stating that the incorrect reporting would be fixed but as of XX/XX/XXXX, the late payments are once again reappearing on my credit reports.
Product: Checking or savings account

I asked chase for a {$75.00} chargeback for items not received. I payed someone {$75.00} as a deposit for a gaming system. The person never responded afterwards and never responded to my refund requests. Chases website says they protect against items not received. This is exactly what happened.
Product: Student loan

Navient is my service provider and I have been trying to get an income based assistance for over 2-years now and each time I attempt to apply for assistance I get pushed into a forbearance, which has increased my loan over {$2000.00} ; each time I apply for income based assistance I never receive the paperwork and then I 'm forced into a forbearance to avoid going into default. I do n't know where to turn for help.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX against XXXX XXXX XXXX XXXX, but after a month, the XXXX  closed the complaint as unanswered due to XXXX  XXXX 's failure to respond or provide validation of the debt. Your agency also failed to validate this account, and by law, an unverified account can not continue to be reported on my credit report. 

XXXX XXXX violated the Uniform Commercial Code ( UCC ) by repossessing my vehicle without proper notice of default, denying me the opportunity to cure the default, and failing to conduct the sale of the vehicle in a commercially reasonable manner as required by UCC Article 9. Additionally, XXXX XXXX  business registration in Texas is currently inactive, meaning they lack the legal authority to transact business or report debts to credit bureaus. Their actions also violate 15 U.S. Code 1692f ( 6 ), as they engaged in an unfair practice by repossessing without a present right. 

Due to these violations and the unverified status of this account, I am requesting the immediate deletion of account XXXX from all credit reporting agencies. Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

I applied for a car loan in a Navy Federal branch in good faith and was denied based on a third party determining my credit worthiness, even after I already proclaimed that I am in fact credit worthy.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TransUnion Consumer Relations XXXX XXXX XXXX  XXXX, PA XXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : 1. XXXX XXXX, Inquiry Date : XXXX 2. XXXX XXXX XXXX, Inquiry Date : XXXX 3. XXXX XXXX, Inquiry Date : XXXX 4. XXXX XXXX, Inquiry Date : XXXX 5. XXXX, Inquiry Date : XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; TransUnion, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. 
Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes. 
Furthermore, I also demand you, TransUnion produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting 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, has violated my rights. 

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

15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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. 

This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws. 
Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.
Product: Debt collection

For years 2 debt collectors have been trying to recover a false debt from me. I have checked my credit report multiple times over those years and the debt never appears and my identity has never been compromised. These so called debtors do not have my full correct name, and claim the charge is for purchasing gasoline in Nevada. I live on the East coast and have not owned a car in 20 years. Somehow these companies have my mailing address. The first company that approached me on this was : XXXX XXXX XXXX, XXXX Disputes Department XXXX XXXX XXXX XXXX, XXXX XXXX After sending them a registered letter informing them of all the reasons they have the wrong person, I reported them to the Consumer Financial Protection Bureau. Shortly after I started getting letters to collect the same debt from : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX I sent this company a similar registered letter, telling them if they bought the debt from XXXX XXXX XXXX that I had reported this in 2016 to the Consumer Financial Protection Bureau. XXXX XXXX XXXX via Resurgent Capital Services ( XXXX XXXX XXXX, XXXX, SC XXXX ) recently sent me a lengthy request for proof of my identity theft ( which never happened ) and asked for more information about my identity. This is screaming RED FLAG to me, and I believe these false companies posing as debt collectors are actually the identity thieves. I will not be replying to XXXX XXXX XXXX any further, and instead I am sending this information to the Consumer Financial Protection Bureau hoping they will pursue this false, predatory claim. 
Thank you for your time.
Product: Mortgage

My husband and I, our mortgage is owned by XXXX XXXX. The Specialized Loan Servicing company collects the mortgage payments. We have tried multiple ways to get them to post our mortgage payments correctly, but invariably, when I go into the account, they have failed to do so. Further, the agent I spoke to on XXXX/XXXX/2016 told me that my account had an annotation stating to post the mortgage first and any extra money to the principle second. But they failed again. Now they are asking us to pay the mortgage payment and the late fee for money that is already posted in the account. Why do consumers have to put up with this kind of incompetence - I am going to try and resolve this, but these people are crooks. And based on what I see in their account posting practices, and I might also mention many people on the internet who are having the same issue, have created a very convenient revenue stream for themselves at the expense of the consumer. Please look into these people!!!!!!!!
Product: Checking or savings account

I opened a checking and saving bank accounts with Welles Fargo Bank for my business and a Nonprofit organization, at the time of opening my accounts with Welles Fargo Bank they told me there is no monthly fee no minimum as long as I have automatic transfer of {$25.00}. or {$10.00} each months. after a period of times they changed the role without sending me any notice, I am on paperless I do not get any alert or notice from Welles Fargo Bank, they know that so alL of a sudden they start charging me {$10.00} fees, without telling me, when i checked my accounts on line i find out shortage in my accounts and they abused me charging me a fees, after i complaint they told me if i deposit money to bring my balance over {$500.00} they will not charge a fees any more so i did deposit more money to my accounts, i had over {$20000.00} with them on multiple accounts, then they start charging me a fee again this months, i complaint they told me they can not reverse the fee even i had meet the requirments minimum balance. Welles Fargo Bank is abusing consumers many different ways hoping we do not find out since we are on paperless and saving mailing postage and paper cost for the bank they abused us.

they need to notify consumer by registerd mail before starting any charges. or they get a class action law suite for abusing consumers.
Product: Mortgage

Applied and received a locked Loan Estimate on XX/XX/2020 with {$5100.00} in Origination Charges and {$8400.00} in Lender Credit. Received a Closing Disclosure on XX/XX/2020 with {$6100.00} in Origination Charges and only {$390.00} in Lender Credit. Lender also ran my credit without my authorization on XX/XX/2020 and XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding my TransUnion credit report, which contains a lot of inaccuracies that are hurting my credit score very badly. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, documented, and validated before being used by creditors. However, the data being reported on my file does not meet these standards by far. Here are the accounts that I've found : XXXX XXXX XXXX This is not my account. The information reported is outdated and inaccurate, which violates 15 U.S.C. 1681c. I requested verification of this account but have not received any proof that it was verified. The account details do not match my records, and I have not received any documentation to confirm its accuracy. 

XXXX XXXX This is not my account. The agency reporting this account is in violation of 15 U.S.C. 1692g, as I was not notified in writing within the required timeframe. Only the original creditor can validate this debt, and I do not acknowledge or validate this debt. 

DEPT OF EDUCATION This is not my account. Despite this, it continues to appear on my credit report inaccurately. 

These issues have significantly affected my credit report and, by extension, my financial standing. I have tried to have these inaccuracies corrected, but I have not seen adequate action from TransUnion. I am seeking your help in ensuring that TransUnion properly investigates these claims and makes the necessary corrections as required by law. I appreciate your time and help in resolving these issues.