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

I am a victim of identity theft, which resulted in fraudulent accounts being opened in my name after my wallet, containing my ID and Social Security card, was stolen. Additionally, my personal information was compromised due to the XXXX and Equifax data breaches, which likely contributed to the fraudulent activity. As a result, the following fraudulent accounts were reported on my credit file : XXXX Bank XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Bank - Account Number : XXXX XXXX Bank - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I have provided an FTC Identity Theft Report and a police report verifying the fraud. Despite submitting a dispute to the credit bureaus under FCRA XXXX XXXX ( XXXX XXXX Code XXXX ), these accounts have not been blocked from my credit file within the required four-day period.
Product: Mortgage

I filed a complaint # XXXX, which has been closed. 
I received ( 3 ) three-month forbearances due to Covid & I thought my bank had NOT extended the maturity date of my loan, but they did. I was wrong. 
That fact made me realize that the payoff amount the bank says I owe is incorrect ( too high. ) On XXXX I requested an amortization showing all of my payments & how they were applied & I've received it. The maturity was extended by 11 months. 
My loan started in XXXX ; it was for {$25000.00} for 15 years ( XXXX payments ) at 7.6 %. My original documents say my total payments would equal {$41000.00}. The amortization shows I've made XXXX payments which I calculate totals {$41000.00}. 
The amortization shows the XXXX forbearances & XXXX skipped payments ( which I was allowed to do for a {$35.00} charge ) XXXX in XXXX & XXXX in XXXX. 
My bank says I owe {$2000.00}. 
I produced an amortization on an online calculator that allows skipped payments & the amount it says I owe is significantly less ( I actually set it up to start in XXXX & end in XXXX & skipped the same months. ) There are entries on amortization from XXXX I question. XXXX XXXX XXXX {$1700.00} & XXXX XXXX XXXX {$1500.00}. 
I tried to call to discuss this yesterday, XXXX. I talked to XXXX different people in various departments. None of them could help me. I tried to call individual with office of chairman, but could not connect. 
I faxed paperwork for modification due to hardship on XXXX & have heard nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My complaint is that I am a victim of XXXX XXXX XXXX Great Foreclosure Fraud, with the Order to Docket suit to foreclosure on my property. by the following Plaintiff. 
XXXX XXXX, XXXX XXXX, Civil No. XXXX  XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Plaintiff A copy of the Order to Docket suit is attached to this complaint. 

I have lived in the property for 22 years and have been fighting this corruption and fraud since 2006 when the mortgage documents were presented to me. 
I have detailed the truth in such scandalizing description highlighting the corruption, fraud and intentional deception perpetrated on the American homeowners, Maryland 's Civil Court, and myself by XXXX XXXX banksters, Loan Servicing Companies such as XXXX XXXX XXXX XXXX, and the Plaintiff in my Motion to Dismiss Order to Docket suit with Prejudice as attached with this compliant to CFPB. 

With my Motion to Dismiss Order to Docket suit with Prejudice, I identify those parties, challenge assignments or transfer of a mortgage note and of deed of trust by a pool performance of my Mortgage loan securitization documents. With my motion I take to force each party to prove a chain of assignment and their legal standing to collect payments and foreclose on my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are in violation of US 15 1666b : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX I also have a goodwill adjustment letter from the CEO of the bank XXXX XXXX. And the three credit bureaus are refusing to honor this letter. 

2 ) XXXX XXXXXXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX XXXX ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX These four companies are all in violation of United State code 15 1666b and also United state Code 15 1681n. As a direct violation of my rights and the US code, the following late payments must be removed from my credit file : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX 2 ) XXXX XXXXXXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX 3 ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4 ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

The problem I'm having is basically with PayPal. I was doing good with PayPal, but one day, they temporarily and later permanently restricted my account for no reason. I called support, but they couldn't give me a clear explanation at all. I was given the hope that I would be able to withdraw the available balance ( {$260.00} ) after 180 days. When 180 days finally passed, they put another restriction on my account for further investigation. I was still okay with their decision and hoped to get my money back one day. I thought all of this was their part of security.

Unfortunately, when I logged into my account after a month or so, surprisingly, there was no money in my account balance!! On the activity page, I noticed PayPal sent all my money to themselves on XXXX XX/XX/2022, labeling the transaction as " correction. '' I called the support, and the rep took it seriously too. He apologized and reported the transaction and assured me that I would get an update via email soon. 

PayPal claims that they took my money as their loss recovery. But man, what have I done wrong? There was no problem with my account! 

But until now, I didn't get my money back, or no one contacted me. There is no sort of explanation for this transaction at all! Now, I want my money back at any cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

My VW Credit loan for a XXXX XXXX was not total cashed out according to the guidelines of the GAP claim checklist filed with VW of America. The credit report show that the balance was charged off at XXXX. The balance should.be XXXXThis is affecting my debt.to equity ratio and the vehicle was wrongfully repossessed... I have most documentation and will observe and report accordingly... 

2012 XXXX XXXX XXXX XXXX
Product: Debt collection

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt American ExpressXXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/2021 XX/XX/2021 XX/XX/2021 Balance : {$1400.00} {$1400.00} {$1400.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1500.00} {$0.00} {$1000.00} Credit Limit : {$0.00} {$1000.00} {$0.00} Past Due : {$800.00} {$800.00} {$800.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff
Product: Credit reporting

Dear CFPB, I am trying to resolve a credit reporting issue with Equifax concerning a negative item that appears on my Equifax report. This is a XXXX utility account that shows a balance and is being reported as a closed account and in collection. I spoke with a CS Rep. named XXXX, and regarding our conversation, this company refuses to verify the debt as due and owing by I, XXXX XXXX XXXX. It appears to be reporting as XXXX tradelines on Equifax. As noted on the report, this account is under dispute by consumer and reinvestigation is in progress. When a investigation of an account is in progress and a consumer is disputing an item on their reports, the CRA is to give the consumer whether via email, if preferred or in writing via regular mail, give a status update as to how long the investigation will take. I have not received any such accomodation from Equifax. As per the FCRA, the the CRA is reponsible for accurate reporting.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request for Account # XXXX To Whom It May Concern, I am writing in response to your recent communication regarding a debt you claim I owe, associated with account # XXXX for the amount of {$1000.00}. I am exercising my rights under 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ) to request validation of the alleged debt.

Please provide the following : The name and address of the original creditor.

The amount of the debt and a detailed breakdown, including fees, interest, and other charges.

Verification that I am indeed responsible for this debt. 
Copies of any agreements, contracts, or documents that show I agreed to the debt. 

Under the FDCPA, you are required to cease all collection activities until you have provided this validation in writing. Failure to comply with these requirements will constitute a violation of federal law. 

If this debt is found to be invalid, I request that you : Cease any further attempts to collect this debt. 
Remove any negative information related to this debt from my credit report. 

Please respond to this letter in writing and send all correspondence to the address listed above. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, my servicing lender was transitioned from Dept. of ed XXXX to Dept. of Ed. Mohela. 

On XX/XX/XXXX I checked my credit report as part of an exercise to begin purchasing a home. A lender noted that my student loans were duplicated and showed an active balance of over {$100000.00}. 

On XX/XX/XXXX I contacted Mohela and XXXX, both student loan providers for FASFA. Neither claimed responsibility or the ability to resolve the duplication on my report. On XX/XX/XXXX I filed a Feedback case on studentaid.gov, case # XXXX. 

As of XX/XX/XXXX, I still have not received a contact back or any update on the status of my case what-so-ever. I am trying to purchase a home, but because of the duplication on my credit reports, I have been unsuccessful in getting friendly lending terms. 

There are hundreds of people like me reporting this as an issue on numerous website forums.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several back ground checks for employment and every time I feel that it is like my credit scores drops for ridicidulous reason. It went from XXXX to XXXX. This needs to change I feel that after having monitored my credit and I have desperately tried my best. In order to pay my bills I need employment. The credit reports on XXXX, XXXX, and Transunion. It needs to be investigated as to why my score drop so much. Is it because of my race I am not sure why. I am a XXXX Veteran, and I have never committed any crimes, the creditors to not reflect the loyal, honest person I am. Some of the incidents on my credit report was due to fraud and oversight on the creditors behalf. I know that I am going through this unfairly. Please fix this
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report where I discovered that National Credit Adjust ( account opened XXXX ) notated an account as Charge off /Collections on my profile. It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No charge off /Collection should be listed on a consumer report without written consent and an adequate notice antedating 7 years.
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 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 XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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: Credit card or prepaid card

Bank of America closed my credit card due to " high balances '' on OTHER credit cards that I have, were their exact words. This happened on XX/XX/XXXX. My wife lost her job in XXXX due to COVID19 an I lost 1 of 2 jobs during COVID19. No phone call or anything. I have ZERO lates on my credit history with this card. The balance on BOA credit card is not even close to the credit limit. Called BOA on this matter and was told there is nothing they can do. Credit history will now be affected. They did not take into account COVID19.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX and account # 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, credit repair services, or other personal consumer reports

I don't deserve this erroneous information, the accounts don't belong to me. I did not sign up for any of these. I have always been a responsible payor.. CFPB remove the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX Bankruptcy XXXX
Product: Credit card

I paid the total balance on my card and the payment posted XX/XX/XXXX, but still got an interest charge of {$51.00} XX/XX/XXXX after I paid the balance in full.
Product: Student loan

I originally had federal student loans, but they were consolidated without my authorization. I was on an XXXX XXXX  ( XXXX ) plan, and I was informed that my loans would be forgiven after 20 years of payments. However, upon reviewing my finances, I discovered that I began repaying my student loans in 2005 with a total balance of {$44000.00}. Now, 20 years later, my balance is still {$29000.00}, despite having paid almost {$40000.00} over this period. 

At some point, it appears my federal loans were improperly converted into private loans without my knowledge or consent. This illegal action caused me to lose the protections and benefits of my federal loan, including the XXXX plan and its forgiveness timeline. Additionally, during the XXXX pandemic, I deferred my loans under the assumption that they were federal, meaning no interest should have accrued. However, I now see that interest was charged, further increasing my balance. 

This situation has significantly impacted me financially. I believe my federal loans were mishandled, and as a result, I am still paying on a balance that should have been forgiven. After 20 years of payments, I should no longer owe anything. I am seeking assistance in resolving this issue.
Product: Credit reporting

I had XXXX collections show up on my experian report. XXXX showed up in XX/XX/XXXX and XXXX showed up in XX/XX/XXXX. I never received anything from the collection company. No dunning letter or right to dispute which is my right according to the FCRA. As soon as I saw that they where on my report, I sent XXXX a validation letter asking for proof that the the XXXX collections where mine and the proper validation under the fdcpa. I sent it certified mail so I had proof when they received it. I waited the 30 days for there response and the requested proof and when the 30 days came and went and no correspondence was sent to me, I sent Experian a letter with proof that XXXX got my request for validation and a copy of the letter I sent. I demanded that the XXXX collections be removed from my report since they where put on there and XXXX didnt follow the rules they are required to do by the fcra. I received a letter from experian yesterday saying that they had updated the XXXX accounts and that they where remaining on my report. I have not received any proof that these collections are mine nor has XXXX sent me any validation. According to the fcra, if a collection agency does not validate a debt within the allotted 30 days they are allowed, the credit reporting agency had to remove the account. 
I have attached all correspondence so far. Proof that XXXX got my validation letter. A copy of that validation letter. A copy of the letter that was sent to experian and proof that they received it. Lastly, the letter that was sent to me showing the accounts where updated
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to reach out to experian for awhile now and i never get a response back, but my personal information was leaked in the XXXX data breach.And i would like for the following seven hard unauthorized inquires to be removed from Experian credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Cards XX/XX/XXXX XXXX XXXX XXXX Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Cards XX/XX/XXXX DT XXXX XXXX XX/XX/XXXX XXXX Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hi I am XXXX XXXX. I was monitoring my credit report the other day and got shocked from the fact that someone applied for a credit card under my name. That was unfair to try to take advantage from my good credit history with my banks and apply for anything. I have been a victim of identity theft and i am submitting this report in order to dispute following inquiry from my report. Dispute and remove following account from my credit report BANK OF AMERICA XX/XX/year> 2025
Product: Credit reporting or other personal consumer reports

There fraudulent accounts that have appeared on my credit report, which I believe are the result of the XXXX data breach and unauthorized use of my personal information. These accounts were opened without my consent, and I am requesting their immediate removal from my credit file. The fraudulent accounts include : XXXX Account XXXX {$620.00} XXXXXXXX XXXX  {$870.00} XXXX XXXX {$640.00} XXXX XXXX XXXX {$280.00} Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure the accuracy of consumer information and investigate disputes promptly. These accounts were not opened or authorized by me, and their presence on my credit report is causing undue harm to my credit profile.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. 2. 3. My academic records and personally identifiable information ( PII ).

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact