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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : XXXX  Request for Immediate Removal of Adverse Information Under the Debt Bondage Repair Act Dear Experian Dispute Resolution Team, This letter is my third formal request for the immediate removal and blocking of adverse information from my credit report under the Debt Bondage Repair Act. I originally submitted my dispute on XX/XX/year>, along with all necessary documentation as a victim of debt bondage and human trafficking. Experian has failed to act within the XXXX timeframe required by law to block the requested adverse information from my credit report. 

Under Regulation V, 1022.142 ( e ), Experian has violated the following federal requirements : 1022.142 ( e ) ( 1 ) : Adverse information must be blocked within four business days of receiving a valid submission. This deadline has long passed.

1022.142 ( e ) ( 2 ) : If additional documentation was needed, Experian should have notified me within five business days, which has not occurred.

1022.142 ( e ) ( 3 ) - ( 4 ) : Experian can not challenge the facts or circumstances provided in my trafficking documentation.

I am formally requesting the following personal information, accounts, and inquiries be blocked from my credit report immediately : Personal Information to Block : Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts to Block : XXXX XXXX ( XXXX accounts ) XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts ) XXXX XXXX XXXX ( XXXX accounts ) XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXX Inquiries to Block : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is unacceptable. Should Experian fail to block this information immediately, I will escalate the matter further by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action if necessary. 

I look forward to a prompt resolution and written confirmation of all actions taken. 

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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

HireRight had incorrect dates for when I lived at certain address and worked with certain employers. 

I sent over a dispute of the corrected dates and instead of correcting them, they just closed out the dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account XXXX XXXX XXXXXXXX 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 a account without my written instructions.
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. 

Contact callers ( XXXX XXXX ) : # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of infor mation 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: Vehicle loan or lease

The XXXXXXXX Chrysler Capital never gave consideration loan or Check and never have the power to extend credit XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I have had an account with Bank Of America since 2005 and Ive never had any issues but during XX/XX/XXXX and XX/XX/XXXX, I had some problems. My XXXX XXXX  son got ahold of my XXXX  login and he made a ton of charges on my BOA account. There were {$900.00} in overdraft fees on my account. I went into the branch to see if anything could be done, even 1 fee refund would help, a week after XXXX. They could not refund anything. 
I asked what I could do to stop all of these bouncing transactions and the banker called the ACH department to see if she could turn the account into a credit only account until the nightmare stopped. They could not do it so she recommended I place an ACH stop payment and bring the account current. The fees had already eaten up my sons XXXX check and my child support so I borrowed the money and brought account current. The banker told me based on the situation, I shouldnt be charged a stop payment fee. Well, I was! I went into branch today and they would not refund the stop payment fee, even after telling me it wouldnt be charged. 
The bank told me if I filed a fraud complaint that they could possibly refund the one fee, but I explained that my child is XXXX and I would handle it at home, rather than getting him in trouble with the law. They could have helped me during this hardship, but of course, they did not!
Product: Mortgage

On XX/XX/2020, I agreed to be placed under a forbearance. Under the agreement due to COVID-19, I was informed that I would not accrue additional fees or penalties. It not only seems as if I have accrued these fees but the fees Im being charged are to confirm I still live in the home. Even though I agreed to a forbearance I have paid two -thirds of my mortgage since XX/XX/2020 in hopes of limiting the amount due at the end of the year. As of this email I owe the bank a little over {$5400.00}. I have a statement from them showing I owe them {$9000.00}. Over the phone they say all the right things but they dont send me an adjusted mortgage statement. They only have offices in New York or Maryland and not California where I live. I need help!
Product: Debt collection

Upon reviewing my latest credit report, I identified multiple fraudulent accounts that were added without my consent.
Product: Student loan

My Navient Student Loan account is currently holding open and accruing interest on 5 loans that I was told were closed on XXXX XXXX according to the U.S. Dept of ED-XXXX. These loans were from the University XXXX XXXX and were supposed to be closed not transferred to another lender. These loans total {$17000.00} that was not discharged and closed but transferred and hidden among other student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Equifax is in violation of 15 U.S.C. 1681a ( 2 ) ( B ) as the items listed below should be excluded from the consumer report. 
I never gave Equifax any written consent to report ANYTHING to my consumer report. Consent was not given to have my personal identifying information which is identity theft per 12 CFR 1022.3 ( h ). A copy of the law is attached for reference. 
As the consumer I am demanding that the inaccurate items circled on the attachment I included be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX
Product: Prepaid card

Prior to covid XX/XX/XXXX I was laid off from my job, so I file for unemployment. I wasn't notified from XXXX XXXX XX/XX/XXXX. During XXXX XXXX XX/XX/XXXX, I was hospitalized due to the XXXX XXXX XXXX. During the time I was hospitalized I became a victim of fraud due to Bank of America EDD mailing my documents and benefits card to an unknown address, After submitting documents such as police reports, medical information, and law enforcement agency handling the case contract information, Bank of America EDD still refuses to rembruise the fraudulent charges except {$3000.00} that was approved in XXXX, later Bank of America EDD reversed their decision regarding the approved amount, causing my account to be overdrawn. They are only reversing the fees caused by the fraudulent activity from XXXX and XXXX, not the {$63000.00} that was stolen while I was hospitalized on a XXXX XXXX for four months.
Product: Credit reporting, credit repair services, or other personal consumer reports

The department of education is now showing the account as open and past due. This is not my service provider. I have already provide the proof. They are influencing my FICO scores at two credit bureaus now. One bureau just dropped 69 points. None of information they are providing is accurate. This has been under investigation for 56 days, why have these inaccurate accounts not been deleted? 
_______________________________________________________________________ 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate.

______________________________________________________________________ 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( d ) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
Product: Checking or savings account

On XXXX XXXX I went to XXXX  XXXX  and tried to purchase something but was declined at the register tried again got declined again but upon checking my account after the second decline the amount of {$23.00} that I was just declined for was taken out my account and then 5 minutes later some reload something took out {$10.00} and the bank acts like theres nothing they can do I had to file it as unauthorized charge and been waiting forever with no questions answered why didnt my card work and why did the money still come out
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent multiple letters to you regarding a number of accounts including accounts " XXXX XXXX, XXXX and XXXX Bank. '' I notified you of inaccurate and invalid late payments regarding this account and others and you failed to fix them. First off these payments are not just a violation of the FCRA but a violation of 15 USC 1666b ( a ) timing of payments. I also already received a notice from XXXX regarding the account and you should have been notified.
Product: Debt collection

Navient calls an elderly student loan co-signer in a harassing manner upwards of six times a day ; they refuse to comply with the Fair Debt Collection Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, my sister sent me funds via transfer from XXXX XXXX They were sent to my PayPal account which is linked to my XXXX. Upon logging into my PayPal account, choosing instant transfer to my linked bank account, I received an error stating that it could not be processed at this time - try again later. In choosing other transfer options- was informed with the same error message. I have been trying to receive/transfer the funds for over two weeks now, reached out to PayPal support only to be told that there is a security concern, they dont know what it is, and that I should wait 48 hours - yet, GREAT NEWS, everything on my account is fine! Upon expressing to the representative that I have been trying to do this for two weeks, receiving the same error, I was told, again, that I could either wait 48 hours or try to send the money to someone else such as a friend. I was sent the funds to pay for personal expenses, such as gas and food. Due to the inability to receive those funds, I have been unable to utilize the money sent. I requested to speak with a supervisor, who informed me of the same options. They have no way of releasing MY funds to me.. and they are unsure if waiting the 48 hours will offer the release of those funds.
Product: Mortgage

I have a loan with OCWEN XXXX, and I want to file a complaint against them because they are continually charging me fees for late payments I had last year. I was late on my payments up until XXXX of 2014 and they charged {$15.00} to drive by the house as well as certified mail charges. I got paid up in XXXX and have not been late since, however periodically I am getting more certified charges added to my bill and I do not believe that it is correct, I have kept all paperwork from them, which they are justifying their charges but I do not believe are correct. I want this to stop, and ca n't get anything done with them
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have been having a really difficult time getting my credit report properly updated and have gone through months of disputing errors and balances that have been paid off with XXXX, equifax and XXXX. I've made the disputes online, called, sent the disputes with proof of receipts, bank statements and even pay off notices and the disputes are coming back unchanged. Equifax has even removed my paid off balances and then posted them back. This has decreased my score XXXX points and once it was removed again it only increased it XXXX points. They just decreased my score again XXXX points without any reason. I still have yet to get an account updated to {$0.00} balance even after supplying all credit bureaus with the information. Equifax says the disputes are resolved within XXXX days even when those days are holidays and weekends. The furnishers have stated directly they are NOT being contacted by the bureaus regarding these disputes and they are reporting the appropriate balances. I have no idea what to even do anymore, this has become beyond stressful and frustrating. I would really love for someone to look into these investigations and help me resolve they errors that are severely impacting my life and future. I'm willing to provide all forms of proof of investigations, any and all documents that were submitted, etc.the most recent dispute that I've submitted several times with all bureaus I have provided bank statements, receipts and the pay off notices. I have attached that notice here. I have 100s of pages of proof of these falsely " investigated '' disputes, unfortunately I can't attached everything as it won't allow me to due to the document sizes. If they were even looked at it is very clear this information is incorrect. Not only this, but all of them have extreme variations on the information. For example, XXXX says I have no late payments on a past loan with XXXX and XXXX and equifax posted 6-9 " late payments '' for the account over a year after the fact even when the account was paid off early and was never late. This has yet to be resolved. 29 page documents and evidence was sent to both of the bureaus with no resolution. I can't even write enough to explain all of the issues and frustrations, I'm trying to by a house but this will never happen if this continues.
Product: Debt collection

I will get anywhere from one to 30 calls a day from chapman financial. I have told them not to call during work hours and I will still get calls during business. They have called as early as XXXX and as late as XXXX. I have also missed their calls only to have between 3 and ten calls in less than 5 minutes from the same number with no voicemail. I have explained my situation of paying 2000 in bills a month but make XXXX, and have to have gas and food with nothing left to pay them.
Product: Debt collection

I called my credit card company ( XXXX XXXX XXXX ) and asked what was going on because I see on my credit report that the company has me in collection. I stated to my card company that I do not have a balance on my card. The CSR looked into my account and stated that my account was not in collection and there is no balance. I asked why was it showing their name and the CSR stated there was not anything in the system showing other than my up to date card with no balance in good standing. I then hung up and called the company Portfolio Recovery. I explained to them what I told my credit card company. They looked into their database and said they see a credit card with my name on it. I told them I only own one card and it is active and in good standing. I also informed the company that I am a victim of identity theft and that someone open an account in my name. They kept insisting that it belongs to me when I told them I call the credit card company and they have no knowledge of it and I have a card with the company for several years in very good standing and no balance. This portfolio recovery refuses to listen or remove the account regardless of how many times I dispute this account.
Product: Student loan

I enrolled in a loan forgiveness program with Ameritech Financial last year. I was told it was a 10 year program and income driven. They have been charging {$82.00} out of my account, each month. I thought this was going towards my student loans, but wasn't. I received a letter from the Federal Trade Commission telling me this company, Ameritech Financial, is a scam and are performing deceptive practices. They are currently under a lawsuit in court, by the Federal Trade Commision, and I am hoping to get my money back and anything else that can help me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account NATIONAL CREDIT SYSTEMS acct # 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: Debt collection

We were victims of Portfolio Recovery Associates using deceptive tactics to collect a debt we do n't believe we owed. Fearful of being sued, we paid the alleged debt which we immediately regretted andwe filed a formal complaint ot the Maryland XXXX Office of the XXXX of XXXX XXXX. They recently sent us a letterinforming us that we may be eligible for a refund.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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