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

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$2600.00} XX/XX/XXXX XXXX  XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2019 I opened an account with XXXX  XXXX, I was on time with my payments up until we had a national emergency with COVID-19. I've disputed this with the credit bureaus stating they were violationg my rights on reporting negative remarks under the CARES Act. Upon further research I learned that my rights are also being violated by both the bureaus and XXXX XXXX under The HEROES Act where it states that no negative remarks should be reported during The COVID-19 pandemic plus 120 days and that under FDCPA restrictions have been placed on debt collecting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, XXXX XXXX Account Number : XXXX ..., XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account number : XXXX, XXXX XXXX XXXXXXXX Account number XXXX ...., XXXX XXXX XXXX Account number XXXX .... XXXX XXXX XXXX XXXX Account number XXXX ... .has violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy. 

15 U.S.C 1681 section 602 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

PayPal is claiming that I owe an outstanding debt of {$130.00} without explaination of why or how I owe this debt. I have also previous had my PayPal account accessed fraudulently and PayPal won't help.
Product: Debt collection

Notice of Liability/ Debt Validation requests sent to Credit Control Corporation on both XX/XX/year> and XX/XX/year>. Neither letter has been responded to in any way.
Product: Student loan

I never receive statements until AFTER the due date. For example, I received an email statement stating due date was XX/XX/XXXX on XX/XX/XXXX. However, when I logged into the account, I was shown a past due balance and a missed payment. I also graduated with a XXXX XXXX XXXX in XXXX on XX/XX/XXXX. According to my exit interview and counseling with the US Department of Education I should receive a six month grace period before payments are due to begin. I have not received this with the company. They are also refusing to give me interest accrual information I have requested and are also refusing the grace period.
Product: Debt collection

I received a Collection Letter Dated XX/XX/2022 from Unifin , Inc. Claiming that I owe an original Amount of {$2000.00} from XXXX, that was according to this letter is currently with XXXX XXXX XXXX XXXX. I disputed this debt years ago with the original creditor and XXXX. It was found in my favor years ago, XXXX did not authorize a return. I was then years later harassed by XXXX XXXX about this debt. I filed a complaint and the collection stopped. Now Years later I am now getting a collection letter from UNIFIN about this XXXX Debt that I do not owe. I demand all attempts to collect immediately Stop. As per the letter, I am hereby filing a dispute by XX/XX/2022. I demand any negative reporting of this debt be removed from my credit reports.
Product: Mortgage

To Whom It May Concern I fell behind in my mortgage payments. Applied for a Modification of my loan payments. I was denied for a modification by Penny Mac. They claimed that my income was n't sufficient and that I needed to earn an additional {$200.00} per month. So I rented out a portion of my home to make up the difference. I was told I would get a new customer relationship manager. But I have never heard from her or spoke with her after leaving several messages and calling multiple times. I finally reached someone and they told me send my updated documentation overnight certified mail, which I did. I show a deliver date of the documentation. They have yet to say that they have received those documents. I had also faxed in the documentation. They requested additional information that I have also provided to them. They also indicated that now maybe I now earned too much income to qualify?? I am at a loss as to why no one has reached out to me and why when I speak with one person I am told one thing and then when I speak to another person I get told something different. I want to keep my home and I feel that I have provided enough documentation and supporting materials to show that I am qualified to have a loan modification. Penny Mac has a FC sale date set for XX/XX/XXXX and so I am out of time. I feel that I have unjustly treated and not provided the correct information to allow me to meet the guidelines. How can Penny Mac take my home for not having {$200.00} extra per month and then later having too much income. Please help! Please advise! Sincerely,
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite have sufficient funds when transactions was authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent XXXX findings against XXXX XXXX for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint to bring attention to a serious issue involving a significant reduction in my FICO score and continued inaccurate reporting by XXXX  XXXX XXXX. Despite my repeated efforts to dispute the incorrect information through the credit bureaus, no corrective action has been taken, and my score has been unfairly penalized. 

Details of the Complaint : Unjustified FICO Score Reduction : My FICO score dropped by [ XXXX to XXXX points ] immediately after I filed a legitimate dispute regarding inaccurate reporting on my credit report. There were no material changes in my credit profile to warrant such a drastic score reduction. This appears to be a punitive action against me for exercising my rights under the Fair Credit Reporting Act ( FCRA ). 

Inaccurate Reporting by XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX continues to report an incorrect balance on an account that has been sold to multiple debt collectors. 
The debt collectors involved have failed to validate the debt, despite my multiple requests under the Fair Debt Collection Practices Act ( FDCPA ). 
Despite filing several disputes with the credit bureaus to address these inaccuracies, the errors remain unresolved. 
Failure to Address Disputes : My disputes have been ignored or mishandled by both XXXX XXXX XXXX and the credit bureaus, violating their obligations under the FCRA to ensure that only accurate and verifiable information is reported. 

Relief Sought : I am requesting the CFPB to take the following actions to resolve this matter : Require Immediate Deletion of the XXXX XXXX XXXX Account : The account is unverifiable, inaccurately reported, and legally should no longer appear on my credit report. 
Investigate the Unjustified FICO Score Reduction : My FICO score should be restored to its previous level, and punitive measures against consumers for disputing inaccurate information should be addressed. 
Ensure Compliance with the FCRA and FDCPA : Hold XXXX  XXXX XXXX and the credit bureaus accountable for their failure to comply with their legal obligations. 
Compensation for Damages : I seek compensation for the harm caused to my creditworthiness and the undue stress caused by these violations of my rights. 
Summary : This situation highlights clear violations of my rights as a consumer under the FCRA and FDCPA. XXXX XXXXXXXX XXXX has failed to report accurate information, credit bureaus have failed to act on my disputes, and my credit score has been unfairly penalized as a result. I trust the CFPB will investigate this matter thoroughly and ensure that appropriate corrective actions are taken. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my report that do not recognize
Product: Credit reporting or other personal consumer reports

Hello. 
I would like to inform you that about 2 weeks ago Bank of America closed my Credit Account FOR NO REASON. It was a Secured Credit card account and I had {$500.00} of my own money as collateral in it. They DID NOT even return my money. But what irritates me the most, is that they closed my Credit Account for NO REASON in the first place! I have ALWAYS made 100 % on-time payments and I have NEVER used my credit card aggressively. You can check my credit history and you will see it yourselves. I was a victim of a scam with my checking account. I submitted a complaint ( complaint ID : XXXX ) to Consumer Financial Protection Bureau and you guys did a GREAT JOB, because Bank of America opened my checking account back ( which should have never been closed in the first place without any investigation ). 
So, now they have decided to go after my Credit Account, which is again absolutely UNFAIR and UNJUST. I have contacted Bank of America many times after my credit account got closed, but they never provided me with a single reason of why my Credit Account got shut down. With this matter I contacted their ( 1 ) Customer Service, ( 2 ) Risk and Closure, ( 3 ) Credit Accounts, ( 4 ) Fraud, ( 5 ) Complaint departments and NONE OF THEM PROVIDED ME WITH ANY REASON of my Credit Account got shut down. This is just a RIDICULOUS and UNPROFESSIONAL approach in any way look at this situation. In the attachment you can find the Credit Card Account Closure letter from Bank of America which I received a few days ago and you can see that they have provided ABSOLUTELY NO SINGLE REASON of why my account got shut down. 
Today I was checking the XXXX XXXX  app. I realized that a XXXX XXXX  was added to my Credit Report and that the Credit Score with XXXX HAS DROPPED FROM XXXX TO XXXX ( XXXX POINTS!!! ). THIS IS ABSOLUTELY UNACCEPTABLE!!! Why should I, my XXXX XXXX and History be affected by someones IRRESPONSIBILITY and UNPROFESSIONALISM?! I would also like to inform you that I have submitted a dispute on myEquifax as well, but the text limit on their dispute page is very limited, so I was only able to explain them the situation in 2-3 sentences. In the attachment you can find the ( 1 ) myEquifax Credit Report Dispute confirmation, ( 2 ) Screenshots from XXXX XXXX app and the ( 3 ) Credit Card Account Closure letter from Bank of America. 

Thank you in advance!
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX 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: Debt collection

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing for quit a while now. Kindly remove the following : XXXX  account # XXXX date opened XX/XX/XXXX XXXX XXXX date opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, or XXXX, of XXXX I saw on my Transunion Credit Report that there was a Dept of Treasury lien. I didn't I have ..so I called the number they listed it was a Maryland number but it turned out to be some sort of janitorial service. I called TransUnion Repeatedly and subsequently filed a dispute. Dispute # XXXX. And it was removed. Later I found out that there was a settlement for the false reporting I contacted a Law Firm XXXX XXXX in XXXX Virginia, they said I needed a copy of the report, when I looked up my XX/XX/XXXX Transunion credit report the treasury Debt was gone and they said they hadn't reported anything false since XXXX. That is a huge lie, it was on my Credit Report. My Credit Union sent me a picture of the debt on my credit report that was run by them in XXXX of XXXX. 

I never had a debt. Also the Law Firm  XXXX XXXX who are supposed to be the Settlement Administrators, Are telling me they can not accept the photo from my credit Union Loan officer of the Unique identifier number from my Dispute that was clearly filed and resolved. I am complaining 1 ) about TransUnion and 2 ) about the Settlement Administrator.. What are they doing that they can not get the proof from TransUnion to issue my settlement. Are other consumers going through this with this settlement administrator? and did other people have false debt reported on their credit reports. IS it legal for them to remove the Treasury Debt from the stored XXXX credit report?
Product: Money transfer, virtual currency, or money service

PayPal has closed down my account and are holding my money and I can not withdraw my money from them. Ive been in contact with them via chat for several months and 3 times sent info of my identity and other documents they wanted. They have confirmed that they have recieved the documents but still wont open my account again. This was 1st of match. 
( Will include screenshot ) I keep getting automated chats that there is nothing they will do and that I have to wait. I called but they dont answer. I feel like I am beeing scammed of my balance of XXXXUSD. 

I have not been able to get help from them for months, therefore I am filling out this report. They should not treat customers like this. It is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Debt collection

Writer resided at XXXX XXXX XXXX and upon moving out, keys were returned and expenses satisfied, XX/XX/2013, The apartment complex claimed that I owed a fee of {$500.00} and I didn't know about this until XXXX XXXX notified me as I was in the process of starting rental process with them. Writer phoned XXXX XXXX numerous times to question the unknown fee, manager at the time would hang up on me or simply have secretary refuse to put my calls through to her, since I could not get in touch with with anyone, I satisfied the unknown debt through their payment system in order to secure the new apartment with XXXX, yet XXXX XXXX continues to refuse to remove the negative item from my report. I am not the first person XXXX has done this to, being vindictive.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

RE : Method of Verification Request Dear Experian : This letter is in response to your recent claim that verified the accounts they are reporting is accurate. Please find attached certified letter XXXX sent on XXXX XXXX. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a  description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error. See Below : - XXXX XXXX XXXX XXXX 4 Accounts ( XXXX ) Balance {$8600.00} Charge Off Balance $ XXXX Charge Off Balance {$2400.00} Charge Off Balance $ XXXX Charge Off - XXXX ( XXXX ) Balance {$850.00} - XXXX XXXX ( XXXX ) Balance {$31000.00} - XXXX XXXX ( XXXX ) Balance {$3100.00} - XXXX XXXX XXXX Balance {$1100.00} - XXXX   XXXX ( XXXX ) Balance {$5800.00} - XXXX XXXX ( XXXX ) Balance {$1300.00} - XXXX XXXX Balance {$5000.00} Corporate Account from previous employer Balance $ XXXX Closed paid in full I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # 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 a account without my written instructions 15 U.S.C 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following item 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.