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

I am writing to file a formal complaint against ChexSystems XXXX XXXX for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

Specifically, I have encountered the following issues : Denial of Access to My Consumer Report : I have made multiple attempts to obtain a copy of my consumer report from ChexSystems. However, all of my attempts have been unsuccessful. I have tried accessing my report online and by contacting ChexSystems directly, but I have not obtained it. This directly violates my right to access my report under Section XXXX of the FCRA. 

Suspected Inaccurate Information : While I have not been able to view my ChexSystems report, I have reason to believe that it contains inaccurate information. I have been a victim of multiple data breaches, including the XXXX data breach and a data leak from the XXXX XXXX XXXX. I have received notifications from both entities confirming that my personal information was compromised. This leads me to believe that inaccurate information may have been added to my ChexSystems report as a result of these breaches. 

Privacy Concerns : I am deeply concerned about the potential misuse of my personal information due to these data breaches. I believe ChexSystems has a responsibility to ensure the accuracy and security of my data, especially in light of the widespread data breaches that have occurred. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate my complaint and take appropriate action to ensure ChexSystems : Provides me with immediate access to my consumer report. 
Investigates the accuracy of all information on my report, particularly in light of the data breaches I have experienced. 
Removes any inaccurate or unverifiable information from my report. 
Implements measures to protect my personal information in compliance with XXXX. 
Compensates me for any damages I have suffered as a result of their violations of the FCRA and XXXX. 
I have attached any relevant documentation regarding the data breaches I have experienced. 


Thank you for your time and attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Payday loan

I saw a XXXX XXXX commercial on television for a payday loan. 

I borrowed {$1500.00} from GreenLine Loans in XXXX 2014 to meet my XXXX XXXX, 2014 Federal Tax extension. I made XXXX payments. The first XXXX were scheduled for {$99.00} each. This was every two weeks. 

On my XXXX scheduled repayment day, I asked to pay off the balance in full. I ended up paying {$2200.00} to settle the debt that was less than 30 days old. They charged me {$750.00} in finance charges and did not disclose that to me when I made the loan. 

My weekly payments were as follows : ( emails from Greenline ) XXXX XXXX Your next payment of XXXX is scheduled to process on XXXX XXXX, 2014 If you have any questions, please call XXXX. 

XXXX XXXX Your next payment of XXXX is scheduled to process on XXXX XXXX, 2014 If you have any questions, please call XXXX. 

{$750.00} finance charge for a 30 day loan of {$1500.00}! 

Customer Service Greenline Loans XXXX XXXX. XXXX XXXX XXXX, MT XXXX XXXX
Product: Checking or savings account

When requested to receive my XXXX Bank debit card expired XX/XX/22 bank refuses to send it. When prompted for an answer as to why not sent they lie and say it was sent. XXXX XXXX now without my business debit card. Highly inconvenienced seeing I'm a very busy person. I couldn't deposit on the go nor withdraw nor purchase products without it. Next, I couldn't access my online banking and potential loans from loans institutions and good business standing references to loan institutions and XXXX due to XXXX XXXX attached to my business FOR XXXX XXXX. I would file a XXXX over and over to correct it and my bank would not. I would ask them over and over and my Bank would not. I have Been inconvenient and lost out on much growth opportunity for my Business due to my Banks Constant failure towards my company.
Product: Mortgage

My mortgage company Freedom Mortgage who was supposed to help me do a VA cashout loan after closing my VA streamline in XX/XX/XXXX. Loan for simply some extra money so I could do some home improvements. This process started XX/XX/XXXX. Shortly after I paid to start the process, I did everything that was needed, I get a letter from Freedom stating that I owed supplemental taxes on my property, that I was unaware as the mailing address was Freedom Mortgage and not myself. I called the county assessor and confirmed that the letters were sent out, and they gave me the amount and date of due no later than. I told my VA cash out loan person and was told specifically not to pay it myself as it would be included in the loan. I then paid for all the inspections they required by XX/XX/XXXX expecting to close 45 days from XX/XX/XXXX. I gave all the required documents with such a lack of communication on there behalf sometimes having to resend the same documentation sometimes 3-4 times! I have multiple emails from XXXX all the way thru XXXX XXXX saying that the supplemental taxes would be included in my cash out loan. Its now XXXX and I am receiving a letter in the mail saying that Freedom the same company that told me not to pay it, now payed my taxes that I was gon na pay myself in XXXX in XX/XX/XXXX and raised my escrow {$800.00} without permission from me, and after being told not to, I am getting now overcharged for their many mistakes and false statements and false directions. This is horrible as I am a Veteran, and that they would feel in their best interest to advantage of me and think they could raise escrow prices as they see fit, but because my premium didn't change it is their loophole to not even give warning and raise someone's mortgage {$800.00}. I have submitted that on XXXX XXXX XXXX they were still saying they would put the taxes in my loan and it wasn't true, they paid the taxes as of XX/XX/XXXX which means they were going to add the loan on top of their raises prices to me.
Product: Credit reporting or other personal consumer reports

I was completely shocked this morning to find inaccurate accounts on my credit report, and I have no idea how they got there. When I checked my report as usual, there were discrepancies that Ive never seen before. I even refreshed my browser, thinking it might be a glitch, but the incorrect accounts stayed put. Because of this, I urgently request that the documents Ive submitted be thoroughly reviewed so I can finally stop worrying about this happening again.
Product: Credit reporting

a tax lien for {$1200.00} is reporting on my credit, it does n't belong to me
Product: Money transfer, virtual currency, or money service

Well 1 month ago I could not use my card over internet. I requested help from XXXX  company employee s and got none.
Product: Debt collection

On Friday XX/XX/18 I was called 6 times in a row ( a XXXX minute span ) On the 6th time I answered and said this is against FDCPA do not call this number again. On Monday XX/XX/18 I got a call again, I said do not call this number the lady kept saying who is XXXX and repeated to XXXX my number. She kept asking then finally said Ill be calling tomorrow and hung up.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Collections Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my TransUnion credit report by XXXX XXXX XXXX XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), TransUnion is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and TransUnion is obligated to investigate and correct or delete unverifiable data. 

Actions Requested : Proof of Licensing : Provide verifiable proof that XXXX XXXX XXXX XXXX licensed to collect debts in California. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

Enclosed are the following documents for your reference : A copy of my credit report highlighting the disputed XXXX XXXX XXXX XXXX account. 
Documentation from the Nationwide Multistate Licensing System showing that Credit Collections is not licensed to collect in California. 

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. 

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

Experian Report XX/XX/2018 Credit score should be adjusted due to XXXX, XXXX XXXX, XXXX XXXX XXXX was on my credit 2 XXXX XXXX XXXX was showing due to the deletion and back in XX/XX/XXXX that they be removed due to 1 had went to court and dismiss and I provided the documents several times with no results. Experian had has enough time to correct the issues in which they was all deleted and XXXX XXXX XXXX was placed back and removed a second time in which I provided a letter stating the account had been deleted. My score has not change due to errors on Creditors and Experian I should not have to wait due to errors and mistakes by Experian time of months.
Product: Debt collection

Threatened me over the phone, and have repeatedly called and harassed my family.
Product: Debt collection

Under FDCPA Section 807 ( 8 ) : XXXX XXXXXXXX XXXX ( XXXX ), XXXX Bank and all trust, and GreenPoint Mortgage has failed to report this disputed debt to the credit bureaus. In addition, XXXX XXXX XXXX  ( XXXX ), XXXX Bank and all trust, and GreenPoint Mortgage did not validate debt yet continue to pursue collection activity by filing a lawsuit against me which is a violation under FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX. 

XXXX is now communicating selling my loan to another servicer without furnishing documents of their agreement with GreenPoint Mortgage collection dept.
Product: Debt collection

Earlier this year, I was interested in switching mobile phone carriers to XXXX XXXX XXXX. I was assured that if I did not like the service, I could cancel service and return the devices at no cost. I received the new devices, I never activated them. I decided to return the devices and cancel my service with XXXX XXXX XXXX. Less than a week passed between my receiving the devices and my sending them back. I spoke to the customer service rep and was assured I would not be charged anything. Now XXXX XXXX XXXX has sent my account to Prince Parker and Associates Inc collections agency saying I owe a debt of {$1100.00}. I believe I have been wronged and am seeking cancellation of this debt.
Product: Debt collection

This is either a scam or identity theft. The debit {$600.00} is not mine. That is my name but not my phone number or phone or any other item on that fraudulent bill. 

This debt that is claimed by Convergent I immediately challenged through XXXX. The response from XXXX  was verified. This Convergent debt claim is blatant FRAUD. It is extremely concerning because they are simply creating debt out of thin air. I immediately contacted XXXX and they did not have any records that indicate this debt or any debt. Further, they added that my account was closed in XXXX in good standing. Convergent has dates for XXXX. 

Everything in the Convergent document is made up except for my name. This includes the phone number, the phone model and make, the dates, etc it is a complete fraud. 

Im not sure where to go with this, I am going to file a police report today. I have sent letters to the Federal Trade Commission, the California Office of the Attorney General, the Federal Bureau of Consumer Affairs, and the California Bureau of Consumer Affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, the following accounts and inquiries on my credit report are fraudulent. In accordance with 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I respectfully request that the following fraudulent accounts and inquiries be blocked and deleted.

Fraudulent Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$950.00} XXXX. XXXX XXXXXXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$390.00} XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8700.00} Fraudulent Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX  credit file datedXX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX  on XX/XX/XXXX with a report number # XXXX  for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, have contacted the companies to confirm the information on the credit report and confirmed that the information is correct. by doing a deep look through my credit report I noticed that some of the information was not accurate. 

XXXX XXXX XXXX Account number # XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX amount of {$140.00} In accordance with the Fair credit reporting act acct # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it's also stating a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

In XXXX of XXXX, we were told approximately 3 days prior to the targeted closing date that we would not be able to get the loan because he had only been at his job for 1 year and 8 months rather than 2 years. This information was known from the beginning of the loan application. We lost our earnest money, appraisal fee, inspection fees, etc. We had already hired movers and had to pay for extended storage. We were left homeless for around 4 months. The lender was also trying to use income for a rental property that was in the process of being sold. 

The company was Guild Mortgage in XXXX, Florida.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Apparently someone purchased a cellphone through " XXXX XXXX, using my personal information. I have been harassed from XXXX XXXX and several debt XXXX since XXXX The latest debt collector is XXXX XXXX. They claim they " investigated '' and the account is mine. I have a stellar credit history that goes back decades. That debt incurred with XXXX XXXX is not my debt.
Product: Credit reporting or other personal consumer reports

I am writing this to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 U.S. Code 6802 of the XXXX XXXX XXXX ( XXXX ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/year>, I notified XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 U.S. Code 6802 of the XXXX XXXX XXXX ( XXXX ), and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the XXXX, I have reason to believe that XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX  XXXX complies with all federal regulations and laws including the XXXX, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX. 

Lastly, I have already submitted a compliant with the Consumer Financial Protection Bureau against XXXX XXXX. The complaint number is XXXX. 

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has always been in the mid to high 700 's, with no late or missed payments and a steady decrease in credit card debt. My mortgage company, XXXX, advised me on XX/XX/2018, that my mortgage had been sold to a company called XXXX. My mortgage was and continues to be current and, in fact, my latest mortgage payment was made on XX/XX/2018. 

I check my credit score regularly and was astounded to see that XXXX and Equifax had decreased my score by over 50 points, because it was reported that my mortgage account with XXXX had been closed. It was later noted that my mortgage loan had been transferred. I went online, only to see that scores of mortgagees had seen their credit scores drop by as much as 100 points due to the sale or transfer of their loan to a different mortgage company. 

I checked with XXXX and Equifax, both of which told me that there was nothing that could be done until the new mortgage holder began to report on time payments, which could take up to three months. When I checked with both XXXX and XXXX, I was placed on a conference call with both entities, both of whom sympathized with my situation and indicated that the score would be repaired within 1-3 months. 


I would like to know how a mortgagee, without fault, delinquency, missed or late payments could see a credit score plunge simply because his/her loan had been transferred by the original mortgage company to a new entity? What if someone needed to apply for a loan? What is the potential damage to a mortgage holder with such a dramatic decrease in a credit score. Is this even legal? 


I would appreciate your investigation of this practice, since my experience is not isolated, as my simple XXXX search indicated. All I typed in was " My mortgage was sold and my credit score plunged '' and there were multiple accounts ( some even worse than mine ) of instances where credit scores were dramatically damaged without fault or legitimate cause. I pity the poor soul who does not monitor his/her credit score and who applied for a loan, only to be subjected to a humiliating failure to obtain credit.
Product: Student loan

ED/Nelnet the U.S Department of Education Resolution Group wrote they did not give me IDR Loan Forgiveness because they do not own the 2 consolidation loans and they sent the 2 consolidations back to the previous holders. ED/Nelnet are you the current holder of the 2 consolidation ID XXXX and XXXX as written. letter enclosed.