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

To Whom It May Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you.

These discrepancies are honestly impacting my life. I never authorized these, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well violation to my privacy. I am requesting your credit bureau to initiate an investigation to determine the responsible parties. I respectfully request a copy of any documents and an updated copy of my credit report according to 15 U.S.C.Sec.1681i ( a )? there should be no charge. 

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  Thank you for your time and help in this matter. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

New Information Intent to Sue : Please be advised that as of XX/XX/2022 Experian has failed to respond to my complaint sent via the CFPB on XX/XX/2022. It is now 7 days past the generously allotted threshold of 30 days allowed by Federal Law and Experian has failed to provide any supporting documents and/or PROBABLE evidence that I have any obligation to the mentioned account below. Experian has failed to properly reinvestigate and delete the disputed item from my credit file resulting in injury not limited to being declined for new credit, XXXX  XXXX  and XXXX. I demand that the account be deleted from my credit file. I am requesting an accurate copy of my credit report once the items have been removed. Should Experian choose to continue to be willfully neglectful as it pertains to my credit file, I will file a dispute against Experian in small claims court seeking remedy for said violation. 
Please see UNVERIFIED account listed below : ACCOUNT : XXXX/XXXX  ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account from XXXX XXXX is incorrectly reporting as " open '' : on my credit reports. This is not an open account and this account should be reporting as closed. This needs to be fixed immediately as it is severely affecting my credit and causing adverse actions due to incorrect information. Per the FCRA this must be fixed and accurately reported. In addition to this XXXX XXXX sent me an application as proof that clearly has no signature on it. Meaning that this application was not fully completed and they refuse to acknowledge it. 

The other primary issue is that the account from the creditor " XXXX XXXX XXXX '' remains UNVERIFIED and UNVALIDATED after multiple requests for validation I have sent to them. They have ignored multiple request and have sent me absolutely no proof that this debt is mine. This account I ask that you thoroughly review and delete. I requested validation more than 30 days ago. They keep saying they are emailing and mailing documentation but that is a lie. I keep providing the correct email and physical address and receiving nothing. They are lying to cover themselves and that is deceptive.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX collected a debt via garnishment from my bank account on XX/XX/20 in the amount of {$1300.00}. This debt was originally for a XXXX energy debt, and the garnishment from my bank account satisfied this debt. 

However, the collection agency run by Ms. XXXX also had a garnishment placed against my state tax return, which they failed to release after the debt had been satisfied on XX/XX/20. 

As of the writing of this today on XX/XX/20, the state tax return garnishment has still not been released, therefore {$900.00} owed to me by the state has been held up wrongly because of the inaction of this collector to release the garnishment. 

I have contacted the office on several occasions, most recently on XX/XX/20 at which time it was verified that the debt was indeed satisfied but that they " somehow failed to '' release the tax garnishment. However, I contacted the state of Michigan treasury today, and they still have not received the garnishment release. 

I would like action taken against XXXX XXXX XXXX XXXX, XXXX for causing harm to myself and my family by failing to release this garnishment and thus preventing my state tax return from being rightfully sent to me. This has caused my family finacial harm during this very difficult season. We need this money and it should have come 6 months ago. XXXX XXXX XXXX XXXX should be held to account for this egregious error.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am formally disputing the inaccurate and unverifiable collection account listed on my credit report under the name XXXX XXXX, with the following details : Account Name : XXXX XXXX Date Reported : XX/XX/XXXX Amount : {$1200.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Pursuant to 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this account from my credit report. This account is being reported inaccurately, and I demand that the credit bureau conduct a proper investigation. If the information can not be fully verified with legally admissible documentation, this account must be removed.

Furthermore, under 15 U.S. Code 1681s-2, data furnishers are prohibited from reporting inaccurate or unverifiable information. As the consumer, I never entered into any contractual agreement with the debt collector currently furnishing this account. Without my direct consent or a valid contract proving otherwise, they do not have the legal authority to report or furnish this debt in my name.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, I hereby request full validation of the debt, including a signed contract proving I agreed to any obligation with the collection agency. If this documentation can not be provided, the collection agency has no legal standing to report this debt, and it must be permanently deleted from my credit file.

As per the FCRA, you have 30 days to complete this investigation. If you fail to verify the accuracy of this debt and provide concrete proof of my contractual obligation, you must delete this account immediately from my credit reports with XXXX, XXXX, and TransUnion. 

Failure to comply with this request will result in me filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office for violations of my rights under the FCRA and FDCPA. 

I expect a written response confirming the deletion of this account within 30 days. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX I had file Disputes with Transunion reporting agencies Transunion tells me that you verified the information on all Three accounts saying it is reporting correctly correct when you send that information back to Transunion One of you Guy 's are not changing the date if status This is a Violation of the FCRA Transunion tells me that it is your responsibility to this when you reply back via XXXX XXXX This is a violation of the and you could be fined or sued for {$1000.00} per account per bureau I have had to issues before with Transunion they claim they will get back to me in 60 days But 60 days comes and Go so I need to get to the bottom of this to find out which one of you are in violation of the FCRA please Both companies DO NOT SEND ME ANY LETTER VIA US MAIL RESPOND HERE ON THE CFPB SITE LETTING ME Know which one is causing the violation ...
Product: Payday loan, title loan, or personal loan

I applied for a loan on XX/XX/XXXX. I was told that I was pre-approved for a loan of {$10000.00} & I just need to upload the necessary documents.. I uploaded paystubs, bank statements, give 3 way party verification to another party so they can verify this information which they did. On Wednesday, I was called and asked if I could provide 2 additional paystubs, which I did. Then I was asked if could upload 2 months bank statements which I did on XX/XX/18, I never got word again. I went online to the site on XX/XX/18 and it said my application was closed out. I called and said I never received any information on my loan application after I gave all my personal information. They said they emailed me, but I never received an email from them. The would not tell me why it was declined. I work in lending, & this is not how you " Adverse Action '' a customer. Now what I want to know, after giving them all the information that they requested in the form of paystubs from my employer ( which is direct deposit, bank statements with XXXX & 3rd party verification, along with Social Security # & other personal information, how did they come to this determination. Why are the collecting this data in the first place if they are going to decline a customer. 3rd ) What are the reasons. 1 ) It can't be credit & 2 ) It can't be income & 3 ) It cant be  documentation. So what kind of scam is this company running. I want answers
Product: Mortgage

Credit application denied as result of credit score but my credit score was fine when they ran my score. I went into COVID forebearance with M & T bank. I initially asked is that okay and would it have any impacts on my application. They said no and continue to run my credit and deduct {$500.00} in mortgage fees for my bank account.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an FTC report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Product: Student loan

AES  is reporting inaccurate information. Some include loans I never opened. I have tried disputing with the credit bureaus and no information is being provided to fully validate all the accounts. I even called on  XXXX / XXXX / XXXX  to see why all the inaccuracies were not being fixed and  XXXX  the representative stated they no longer own the account so she can not assist me.  XXXX  accounts definitely do not belong to me and they added them on illegally. One was " opened ''  XXXX / XXXX / XXXX  and closed  XXXX / XXXX / XXXX . The amount for this account that was charged off according to the company was {$33000.00}. They initially started reporting  XXXX  through  XXXX  which they went back to report on after a dispute. Than they did not report anything until  XXXX . This account was never mine and dragged out closing the account they illegally opened to begin with since it would have been closed in  XXXX . And the other account is showing an " open '' date of  XXXX / XXXX / XXXX  with a charge off amount of {$4300.00}. No reporting occured for this account until  XXXX . They added a false payment history once I reported the issue which than started in  XXXX , two years after they said the account was open. I never signed a loan for the  XXXX  above accounts and the company added them on for mere destruction of my credit reports. They also have an account with a charge off balance of {$33000.00} that they closed on  XXXX . This account has no solid reporting and therefore the closed date should have been in  XXXX . There is an account with loan amount of {$14000.00} and reported they received a payment in the amount of {$22000.00}. This account too had missing reporting which further shows there is no validation of a closed date. The last account reporting  is one  with an original amount of {$16000.00}. They stated they received a payment in the amount of {$26000.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I received an email from PayPal stating that my account has been limited. The email states that PayPal had requested information from me which I haven't provided and he's the account has been limited which is not true. I received the email asking for information and stating that the account is limited at the same time with no prior notice. ( Ref ID XXXX ) I then immediately submitted all the information that PayPal requested from me XXXX That included a copy of my driver 's license, proof of address, bank statements and credit card statements of all my accounts and cards associated with PayPal as well as proof of ownership of those accounts, I also provided an explanation of the transactions PayPal had asked me about. I have read all of PayPal 's terms and conditions and I don't believe that any of my transactions goes against PayPal 's user agreement, terms and conditions or TOS Terms of Service. 

I then very shortly after received an email stating that I'm permanently banned from using PayPal ; without any explanation. I believe that this is either a discrimination against me personally or a system error. As nothing of what I do is against PayPal TAC and I have been using the service for several years now. I tried contacting PayPal several times and no one is helping I use PayPal to receive rebates on some products I purchased for the purpose of testing on my XXXX channel as well as often making unboxing videos of their products and providing designs and marketing advice for the manufactures. 
XXXX XXXX XXXX I have also previously used PayPal to send money to family and friends in the US and in my hometown in XXXX. I never had any issues with PayPal for years now and never had a dispute on my transactions ( Except one made by mistake and canceled later by the other party ). I'm asking PayPal to look into this matter and to reinstate my account again. If PayPal needs any additional information from me to verify my ownership of my accounts I'd be more than happy to provide anything that's needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a Collection agency and has reported to all Credit reporting agencies false info. Both them and the XXXX have failed to provide the XXXX and or Bases for the Collection. All 3 agencies have reported derogatory information based on this lack of communication. ONly XXXX has motivated them to retract the negative information and or collection. Still the derogatory history remains on my credit. please assist. I can send you the XXXX of XXXX response.
Product: Checking or savings account

While traveling with my wife in XXXX in late XX/XX/2023, I noticed fraudulent activity on my chase bank debit card. The amount in total was almost {$3000.00}. I called Chase Bank fraud department and they have declined my claim 4 times now unlawfully and unreasonably.
Product: Mortgage

I have been trying to restructure my mortgage for an affordable payment with Wells Fargo for years. They continue to stall and delay working out a favorable solution. I heard from Senator XXXX XXXX office who is attempting to assist me and they said Wells Fargo told them I have qualified for a restructuring with an interest rate of 3.75 % and a mortgage payment of {$960.00} a month. My previous payment was {$910.00} a month. When I started this process I was looking for a lower, more affordable payment. If I can not afford a {$910.00} a month payment how can I be expected to afford {$960.00}? 
Wells Fargo refused to negotiate with me when the market was down and my house only appraised at {$88.00} but now that the market has recovered they are trying to extort as much as they can from me. 
They are calculating this payment on my current income however I will be loosing my XXXX payments of {$1500.00} a month in XXXX and I start repaying my student loans in XXXX. 
There are several affordable payment options they could use to get me a {$700.00} a month payment but they refuse to even consider them.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX  XXXX  XXXX  XXXX  XXXX, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the previous written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

This is regarding federal parent plus loans being services by Nelnet. These are fixed rate and fixed term loans. Twice now in the last 6 months they have increased the monthly payment due amount without my permission. As I understand a fixed rate/term loan the monthly payment is set at the time of origination. The lender party has no right to arbitrarily change the payment amount without the express permission of the borrower, and yet this is exactly what they have done. The first time they increased my monthly payment due by over 20 %. Now again they are increasing the amount by over 2 %. They originally provided a word salad response that completely avoided any justification for changing the terms of the loan. 
I consider this to be financial fraud.
Product: Credit reporting or other personal consumer reports

This morning, I discovered that incorrect accounts had appeared on my credit report, and I have no idea how they got there. I check my report regularly, but this time, I noticed unexpected discrepancies. Thinking it might be a temporary glitch, I refreshed my browser, but the inaccuracies remained. Given this, I kindly request a thorough review of the documents I submitted so I can stop worrying about this issue.
Product: Debt collection

LVNV Funding LLC on behalf of XXXX XXXX Texas XXXX has reported to XXXX XXXX XXXX that I owe {$350.00} and a second amount for {$1700.00}. 

I disputed both collection claims with XXXX as I never received any statements or past due notices from XXXX XXXX. Nor did I receive any collections notices from LVNV stating I was past due with Just Energy. 

I have not used XXXX XXXX nor any such company for electricity or gas utilities. Nor have I co-signed for anyone to obtain utility services.
Product: Credit reporting or other personal consumer reports

I discovered in XX/XX/2023 that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IN XXXX pulled my TransUnion credit report on XX/XX/2023 without my knowledge or consent in person by phone or email. I further discovered that on the same day XX/XX/2023 my personal credit information was submitted to 4 different auto lenders XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted by phone on XX/XX/2023 XXXX XXXX XXXX and spoke with the manager XXXX looking for answers and steps that I can take to determine how this happened and how he was going to help me remove these hard inquiries of my credit reports. He flat out said " there was nothing he could do '' nor was he willing to assist me in resolving this. I offered to physically come into the dealership and prove to him my identity and he again said " there was nothing he could do ''. I found this to be so irresponsible and so dismissive regarding customers personal information and how this company handles FTC regulations and laws as it pertains to fraudulent applications. I told him I was going to file a complaint with the Indiana Attorney General and Indiana Secretary of State if he was not willing to help me in any way. He did not care. I also complained to this car dealership home office Indiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX or ( XXXX ) XXXX.
Product: Money transfer, virtual currency, or money service

My transfers begin the XXXX  if each month with Marcus By Goldman Sachs accounts. They give customers 6 transfers. I logged into my account and scheduled a transfer for XX/XX/2020 and the message I got was letting me know they were blocking my account from legal transactions and were not giving the money to me as promised by contract. Attached is an image of what the screen showed each time I tried to schedule for XX/XX/2020. They blamed it on their website which is not true this is how they deny XXXX customers their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score shows me one thing when I check but when I apply somewhereand lift freeze it shows them about a 100 points lower
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Columbia Debt Recovery for egregious violations of my consumer rights as protected by the Consumer Financial Protection Act. It has come to my attention that Columbia Debt Recovery placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 
I hereby declare my revocation of all communication channels with Columbia Debt Recovery, including emails and phones calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under Fair Debt Collection Practice Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting tat Columbia Debt Recovery provide a purchase order agreement between them and the original creditor. I am particularly concerned about the data being purchased might be inaccurate. If Columbia Debt Recovery is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 
The date on my consumer report indicating that I opened an account with Columbia Debt Recovery is blatantly false. I neither received any services or products from Columbia Debt Recovery, nor have I entered into any contractual agreements with them. The misinformation tarnishes my credit history and infringes upon my consumer rights. 
Moreover, it has come to my attention that Columbia Debt Recovery is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for an immediate resolution. 
The actions of Columbia Debt Recovery constitute, clear violations of 12 CFR-1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), 15 USC 1681-s 2 ( 7 ) ( A ).

I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau ill thoroughly investigate and address these infractions. 
Please keep me informed about the progress of this complaint, and I appreciate your attention to this matter.