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

This company has made an account falsely. I did not open this account. They are a company known for deceptive practices. Feel free to XXXX any class action law suits against them. I have had several accounts through them in the past but this is not one of them. 

They have moved the account from " World Finance Corporation '' to " Personal Credit Plan '' and hurt my credit further as it still shows 2 separate charge offs. This is impacting my ability to purchase a home. 

Both accounts show as a charge off with a write-off. They wrote off this account and it also shows them charging a higher account balance since the original date. An account written off on taxes to a XXXX balance can gain no interest. 

They also stated that I made a payment on or around XXXX of 2015 which is false. 
They are showing other recent and missed payments on this account. 


I need a copy of the original contract with my signature, the transfer documents and the reasoning behind transferring it to your other company. All information submitted in regards to writing this off on taxes as a profit loss. 
As well as proof of all payments that it is showing that I made and from what bank account number. If you don't have the bank account number I will suffice with the info from bank card it was made from with a picture of this card to confirm the identity. 

What have you done is clear violation of the FCRA.
Product: Credit reporting or other personal consumer reports

These old collection accounts from Cavalry Portfolio SE that were deleted from my file, again appeared on my file as recently opened.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

I am filing a complaint against XXXX XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today : XX/XX/2019 I went onto XXXX and noticed two unauthorized hard inquiries on my credit report. 
First company reported hard inquiryXX/XX/2019 from : XXXX/XXXX XXXX, FL XXXX ( XXXX ) XXXX Second company reported hard inquiry XX/XX/2019 from : XXXX XXXX, DE XXXX ( XXXX ) XXXX I never authorized either of these two above companies to check my credit. I haven't tried to get a new line of credit, whatsoever. I contacted both of the above companies directly and the calls where an automated advertisement company offering products. I have no information on how to get in contact with these false companies to address this issue and I'm concerned my credit may become jeopardized if this is not taken care of soon.
Product: Mortgage

XX/XX/XXXX, I made a substantial payment to the holder of my second mortgage to the tune of approximately {$370.00}. After that payment was applied, the remaining principal balance was {$1.00}, as evidenced by my XX/XX/XXXX statement. I subsequently paid {$1.00} in XXXX, and the payment was received by the company on XX/XX/XXXX. In XX/XX/XXXX, I received a statement indicating that a principal balance remained of {$0.00}. This would be impossible as my interest rate in around 6 %, and {$0.00} would not accrue on {$1.00} principal in one month. I have contacted them XXXX time since : XXXX times the individual agreed that the {$0.00} was in error ; the last time she said the only way to resolve was a payoff. Frustrated, I ordered the payoff. Although {$0.00} is not a lot of money, if this company handles all clients this way, it is making a substantial amount of money.
Product: Money transfer, virtual currency, or money service

Earlier this year my Paypal account was hacked. I resolved the dispute with my credit card company and removed that card and all my bank details from Paypal. I want to close my Paypal account ( XXXX XXXX ), but they refuse to do this unless I upload photo documentation to their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit is currently frozen with the 3 credit bureaus as a result of the Equifax breech. I am not in the process of obtaining a loan and wanted to temporarily lift my credit freeze with Equifax. On XX/XX/2019, I placed three phone calls to Equifax representatives and after answering approximately 8-10 security questions to get through to a representative was told " our system is down, you'll need to call back in a few hours ''. I asked the first representative " what is a few hours '' and was told try back in two. Called back in four hours in an attempt to ensure success but again after entering answers to all security questions, I was told again that their system is down and that I would need to call back. Again I asked when? This time was told to call back in half an hour. Instead I called back in two and again, after entering all of the security prompts, was told to call back. This time I asked the representative why they could not call me back when their system was back up and running and was told " we can not call you back ''. 

Now today, XX/XX/2019, I attempted once again to get through to Equifax to left my credit and received multiple responses all after entering my secure data. First, I am told that today is a holiday and that their offices are closed. Then I attempted other prompts and was finally told that my request will have to be faxed in. This is not acceptable. I need my credit temporarily unfrozen by Equifax until XX/XX/2019. This was accomplished easily and handily at XXXX   and XXXX. The company that caused me to have to freeze my credit report is not cooperating.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX Dear XXXX, Transunion XXXX and XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the accounts listed below. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX AND XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keeps reporting incorrect dates of reporting with XXXX, XXXX, and Experian which the account was opened in 2001. It is currently in dispute with the Dept of Education. I was unaware that I would even have a loans that I would have to repay due to XXXX XXXX XXXX fraudulent activity. 

I have disputed the dates that XXXX  XXXX XXXX has been reporting these loans incorrectly for many years and I have been disputing with the credit report agencies the last 4 months. This company is also reporting this loan multiple times on my credit reports which if it dispersed on same date should be one loan NOT MULTIPLE LOANS. They continue to report these accounts incorrectly, and are fully aware they are incorrect. XXXX  XXXX XXXX is using fraudulent activity which unlawful per the Fair Credit Reporting Act.
Product: Student loan

I graduated from underdrad and was only making {$14000.00} a year and could n't afford my payments. I went back and got my XXXX XXXX so I could make more money, only due to an ill child, I could not work or find work to accommodate my schedule with my child. I was told that I had to stay on forbearance and my interest kept building. I am now at over {$170000.00} in debt. I will never make that much. I 'm a social worker-not a doctor. My forbarrance is over and I 'm in a bind. I have asked about small payments-they want me to now pay {$1600.00} a month-I can not afford that-they are calling me day and night. I have an ill child and am caring for my XXXX old dad. They do n't care.
Product: Credit reporting or other personal consumer reports

Privacy Act of 1974 ( 5 U.S. Code 552a ) According to the record which means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual. 

No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to written request by, or with the prior written consent of, the individual to whom the record pertains. 

Charge off and Closed accounts are in violation of the fair credit Reporting Act and the Privacy Act of 1974. 
Furthermore I was not given notice to make the decision of opting out of the disclosure. 
Every company owes you a privacy notice before they furnish any information to the consumer report. 
XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I AM OPTING OUT OF YOUR REPORTING SERVICES. '' Because of this violation and these consumers reporting Agencies have kept private information public. I have been affected. Systems have been breached and my Social Security number was stolen and other personal information like phone numbers, emails, passwords, is being used.
Product: Mortgage

We were approved & all funds dispersed to Mr Cooper from NY State Homeowners Assistance fund on our mortgage # XXXX in XXXX of XXXX. We received proof from NYS that Mr Cooper was paid 3 paymentsthe first to bring our mortagage current, the second for 3 months of payments and the 3rd for another 3 months of payments ( 6 full months of advance payments ) This brought us to XX/XX/XXXX with a small credit to be applied upon us resuming our monthly payments. Instead, our funds from NYS were incorrectly applied by Mr Cooper ( toward principle ) and then reversed due to that misappropriation by Mr Cooper. Two payments were then never reapplied to our balance so we were being told that we had past due mortgage payments in excess of {$5000.00}. I have spent months on the phone talking to countless people to resolve this issue without success. Essentially Mr Cooper stole our NYS Homeowners Assistance Fund money and are now sending us letters saying we are in risk of foreclosure and we are over 175 days past due. I have sent countless documents of proof and even a line by line breakdown of how payments should have been applied and the line by line balance. After months of fighting with Mr Cooper to resolve this issue we still have not had the payments applied to our account and our risk of foreclosure letter has a must resolve date of XX/XX/XXXX. We are not in default on our loan and have made payments for the months of XXXX and XX/XX/XXXX but our HAF money has still not be applied. Months into this, they are now finally confirming from their end that the payments were indeed received from XXXX  our documents show. However, these funds from XXXX XXXX  have still not been applied to our account. My Cooper has not only stolen our NYS funds.they are also threatening foreclosure on our forever home we have lived in for almost 20 years.
Product: Student loan

Navient is contacting people not associated with my account to speak about my account. 

On either XX/XX/XXXX or XX/XX/XXXX, Navient contacted a someone not associated with my account by phone to try and reach me. Navient falsely claimed they are trying to reach me to " help me '' regarding my account. The individual they contacted is not on my account and not authorized to speak on behalf of my account. I am not disclosing this individual 's name and contact information in this complaint, but I may be able to provide a screenshot of the incoming phone call. Navient should have record of this phone call in their logs, and should be aware of this incident. If they claim not to be aware, then I will file a separate complaint about their conduct. 

I have filed other complaints against Navient regarding contacting unauthorized individuals regarding my account. The CFPB previously ruled that Navient should not do so, and Navient previously agreed to stop doing this. However, once again, Navient is violating this agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports, and noticed that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  did not furnish the Experian with the required disclosure, within the period required by the law. XXXX is required by federal law to place a notice of dispute on my Experian account within 30 days of my dispute, which started on XXXX. I have retained a copy of Experian start date of the dispute that is attached, showing XXXX have violated time-stamped copy of my Experian credit report, showing that XXXX have violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30-day mark.
Product: Debt collection

These people call me five times a day from different numbers. Asked them to stop but wo n't. Want personal info like credit card number and bank information.
Product: Student loan

I was originally paying around XXXX dollars a month and 4 years ago i called them to change my payment plan and they had me pay XXXX dollars a month and i feel like have been paying a lot of interest each month and now is getting really hard for me to make the monthly payments. The balance is still at XXXX XXXX for the longest and they keep charging more interest than anything. Their interest keeps changing constantly each month they take a big chunk for interest and not enough for principal which is why is taking me a long time to pay this off. I now have a mortgage and starting a family and i can not no longer keep paying every month and the balance does not seem to lower a good quantity.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below are not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, California XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate XXXX XXXX and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : XXXX. Immediate removal of the erroneous address from my credit report. 
XXXX. An updated credit report reflecting the corrected information. 
XXXX. Written confirmation of the actions taken to resolve this dispute.
Product: Credit card or prepaid card

I received a call on XXXX XX/XX/2021 at XXXX PST from the number : XXXX and I said Hello. There was a long pause and a woman named, XXXX ( sp? ) started speaking and said my American Express Account was noted as possibly being interested in a business gold card and asked about the nature of my business. She knew I had an AMEX card already and that I possibly had a small business but didn't know the nature of my employer. I felt uncomfortable about the call and therefore called the American Express Customer Service line to be sure the call came from them. They said they would never solicit over the phone and that number is not an American Express associated phone number. I called back the questionable phone number and got a voicemail saying it was " XXXX from American Express. '' I hung up and did not leave a voicemail.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a letter from court that judgement was entered from XXXX for me to pay credit card debt in the amount of {$2200.00} because I failed to appear in court on XX/XX/XXXX XXXX did not follow legal procedures because I was not legally served or not notified that I was being sued by XXXX and the judgement amount is inaccurate and different from the amount owed on my credit report which violates the Fair Credit Reporting Act.
Product: Debt collection

Hello, In XXXX of 2018, my husband XXXX XXXX received a dunning letter from a law group of Hayt, Hayt & Landau. The letter was dated XX/XX/2018 and was delivered by regular postal service delivery. In the letter they make a threatening statement that if a letter is written to their office to dispute the validity of the debt within 30 days that they will file a judgement against my husband. However, my husband, XXXX XXXX sent within the allotted 30 days, a request for validation. This request for validation was sent via UPS with tracking and was received by the law group within the 30 day period of time. 

More time has passed and now the law group has file a case in civil courts. They have violated regulations of the FDCPA, while stating that the are debt collectors as well. 

Please accept this as a formal complaint against the law group. They have violated the right to validation by not responding back to my husbands request, they threatened to sue if a request for validation was sent to them in writing, as well as now filed a lawsuit against my husband. Please see the attached notices that help to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX the natural person have had my rights violated.Pursuant to 15 USC 1681c-2 ( a ) BlockExcept 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.Equifax has been given its due process of 4 days to remove these fraudulent accounts from my consumer report.Law is Law there is no substitute for it. I need these accounts removed IMMEDIATELY as they have tarnished my reputation as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on numerous occasions. The dates are as follows. XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is an inaccuracy on my report. The account is XXXX account number : XXXX I have requested Experian remove this account for inaccuracies. I am requesting that Experian remove this account as soon as possible as it is inaccurate and causing me irreparable harm. I have asked Experian to have XXXX provide proof that this account actually belongs to me by furnishing documentation showing I was the one who opened this account. If they can not provide this then I am requesting this fraudulent account be removed. Thank you
Product: Student loan

My repayment of my student loan started on XX/XX/XXXX, and my loan has changed between three lenders ( according to my knowledge ) .XXXX to XXXX to Navient to XXXX then back to Navient XXXX When my loans switched lenders, the amount went up and since then i have been trying to request my full report of payments and balances. I have not been able to get the information i have requested for several years. It looks like they back charged me interest, even though i have been continually repaying on my loans since XX/XX/XXXX. After doing my own research on my account with Federal Student Aid : I found that I borrowed a total of {$51000.00} ( combination of one subsidized and one unsubsidized ) from XX/XX/XXXX to XX/XX/XXXX. My loans were consolidated on XX/XX/XXXX with the total being {$55000.00} and then consolidated again on XX/XX/XXXX with the total being {$53000.00}. According to Federal Student Aid I have paid a total of {$13000.00} from XX/XX/XXXX to date, but there is no record anywhere of my payments made from XX/XX/XXXX to XX/XX/XXXX. I have made 79 monthly payments since XX/XX/XXXX and by current balance as of today ( XX/XX/XXXX ) is {$50000.00}. I take full responsibility of repaying my loan, and i have been willingly trying to pay of my debt since XX/XX/XXXX. I am not trying to find any kind of forgiveness of my loan, but i believe that i have been cheated by XXXX and Navient.