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

I received a letter from CFPB on XX/XX/2022, that you closed my complaint to protect myPRIVACY. I called XXXX, Experian, and XXXX after I purchased a credit report fromXXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLEitems on my personal profile, I noticed that there were Names : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX. Accounts : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : $ XXXX : XXXX XXXXXXXXon my credit report which are UNKNOWN to me. This isdisappointing because I have been paying XXXX XXXX to get a report every month and Ihave been disputing fraud items on my credit report all this time. One of the staff told me tovisit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED ORREMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) thecredit bureaus are required to remove/block any item which was opened without myknowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of theidentity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of suchinformation by the consumer; and ( 4 ) a statement by the consumer that the information isnot information relating to any transaction by the consumer.

A copy of my Driver 's License, Social Security Number and Proof of Address are all included in this complaint. I want you toknow that I am telling the truth and by XXXX, Experian, and XXXX not blocking theseitems are inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any inquiry that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting

# # # I HAVE BEEN DISPUTING THIS FOR 4 YEARS SINCE XX/XX/XXXX # # # # # This information has been disputed over and over again and has consistently been reported inaccuate! In XX/XX/XXXX, my loans were consolidated by XXXX XXXX ( dept of ed ) and placed in good standing ever since I am currently in repayment in good standing since XX/XX/XXXX. THESE ACCOUNTS WERE NEVER IN COLLECTION WITH AN OUTSIDE COLLECTION AGENCY! I have adamantly disputed and requested documentation from both experian and the dept of ed since XX/XX/XXXX these XXXX accounts in question ( XXXX ... ) dated XXXX XXXX have been reported numerous different ways concluding investigations over the years. Inititially, it was reported as a charge off, then a collection and also at XXXX point both a collection/chargeoff. ALL WHICH ARE INCACCURATE AND UNTRUE. These XXXX accounts consolidated on XXXX/XXXX/XXXX by direct loans in the amount of XXXX ( XXXX loans ). THIS IS THE MOST RECENT AND ACCURATE INFORMATION REGARDING THESE XXXX LOANS WHICH ARE NOW BEING REPAYED WITH A NEW LOAN SERVICER ( XXXX XXXX borrow ). They are not permanently assigned to government or was in collection in XX/XX/XXXX as reported in the payment history on my experian report. In fact, there is no other payment history being reported beside this negative info dated XX/XX/XXXX. 
# # # # # I HAVE AMPLE DOCUMENTATION CLEARLY INDICATING STATUS OF CONSOLIDATION XX/XX/XXXX FROM DEPT OF ED # # # #. In fact, just last month i disputed this inaccurate information again ( since XX/XX/XXXX ), I went to great lengths to provide documentation from creditor ( dept of ed, XXXX ) clearly stating both loans were consolidated, paid, and MOST UPDATED STATUS IS " CONSOLIDATED IN GOOD STATUS '' as a result of my recent dispute in XX/XX/XXXX ( report # XXXX ), onc account was removed and the other still remain as a negative account ( XX/XX/XXXX collection mark in payment history ). BOTH ACCOUNTS SHOULD HAVE BEEN REMOVED AND REPLACE WITH A GOOD STANDING OF " CONSOLIDATED XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Debt collection

I was recently trying to settle charged off account with a company called Oportune. 
During XXXX, covid hit my family and myself and I was devastated financially. I was out of work and unable to pay back my account and as a result was charged off in XXXX of XXXX as bad debt and written off due to natural disaster. The original amount was {$2100.00}, but they balooned it up to {$2900.00} in 5 months. 

My family still sits in peril after the results of losing lives and jobs due to XXXX, but I want to move on. Oportune agreed to settle and already charged off account in the amount of {$1000.00}. which the asked me to agree to by XX/XX/XXXX. I sent them an email and text agreeing to the settlement before the deadline and when i called to pay they denied any agreement and told me only the full amount would be accepted. I just wish to pay the amount the offered immediately and have this account settled as they themselves proposed, not me. All I want them to do is honor the settlement offer they proposed and get this over with. My family has been devastated enough and this would be a start in the right direction. Attached are copies of the email and my response to the email they deny getting.
Product: Debt collection

My father was contacted by Portfolio Recovery Associates about a {$2300.00} debt to XXXX XXXX from XX/XX/2013.My father purchased a {$650.00} computer XX/XX/2013 and his bank statements show payments of this amount to XXXX in XXXX 2013. My father considered this debt discharged. He has no idea what the {$2300.00} charge is. We contacted XXXX and Portfolio Recovery Associates for account level detail about this debt and they are unable to provide it to me. I sent a letter by email today along with bank statements disputing this debt. Will send by certified mail tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. 
ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Debt collection

This  Compliant is being sent to Portfolio Recovery Associate  credit in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices  Act, 15 USC 1692g Sec. 809 ( 8 ). I  NEVER established a contract with this company at all, furthermore a bill is not a contract from a alleged debt owed.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,   XXXX   and   XXXX    )  this action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office.
Product: Debt collection

Franklin Collection services have placed a collection debt on my credit report with XXXX XXXX and XXXX for XXXX XXXX. 
when I spoke with them I asked them to provide proof they told me to contact XXXX XXXX
Product: Mortgage

I am being harassed by Ocwen Loan Servicing employees and litigation crooked lawyers. Ocwen XXXX are using levels of fraud to rip off my home. The system is so corrupt. I have repeatedly demanded CFPB enforcement staff to involve the authorities into my matter and kick in Ocwens front door to drain the smelly fishy swamp. I am not taking any XXXX from shady ocwen or its crooked fairly new licensed attorney.
Product: Money transfer, virtual currency, or money service

An Admin to a XXXX group posted items for sale. There were other members who responded validating that the seller was a legit and trustworthy seller. Reached out to seller and agreed on a price for a XXXX XXXX set ( {$400.00} ) to be paid via Paypal to XXXX. Sent payment ( transaction ID XXXX ). Seller mentions that he has a second set for sale which I also sent payment for ( transaction XXXX XXXX and XXXX ). Total payments sent was {$700.00}. Since sending payment, the posts on the XXXX group have been removed. I believe I was scammed.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft and the XXXX XXXX breach and I have proof from XXXX, a police report, and FTC report. Kindly block and delete the accounts below within 4 days as required by FCRA 605B, 15 USC 1681c-2. Experian and XXXX have FAILED to do anything. 

XXXX XXXX account number XXXX XXXX XXXX XXXX  -account number XXXX I am willing to file a lawsuit if needed but wanted to have you intervene first.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 XXXX XXXXe 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account Number : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately
Product: Payday loan, title loan, or personal loan

In XX/XX/2022 I received a check {$9800.00} from PENFED Credit Union for a personal loan that I did not apply for. I checked the credit reports companies, and the loan was there. I did not cash the check and I notified by mail PENFED and the XXXX XXXX, XXXX and XXXX. I received a letter from PENFED Fraud Investigations requesting copies of personal government documents which I found strange because that may generate fraud and identity theft. I never cashed the check and never accepted the loan. I received phone calls from PENFED but never was a message or voice mail left and when I answered the call no one is on the line. Their phone number is useless for my specific case. 
Since I did not cash the check, I did not report this matter to the police. 
In addition, they sent me an insurance enrollment form from XXXX and PENFED dated XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My Chase checking account went negative due to a low balance fee but I didn't receive any notification from them. After a month, they charged a second fee but still no notifications. I don't check that account often so I had no idea this was happening. One day I checked and immediately transferred money to cover the negative balance. During the time it took to transfer the funds, Chase charged me a XXXX fee, so I made another transfer to cover that too. Then a day later, the account simply disappeared. I could no longer see it online nor could I access past statements or tax documents. It had simply vanished and still no correspondence from Chase. So I called Chase and they confirmed that the account was automatically closed due to a XXXX balance for XXXX  days. I asked them to send me all of my statements and they complied. I asked why they hadn't sent me any notifications and the agent changed the subject. When I tried to ask again, he spoke over me on some other topic so I gave up. 
My complaint is not about the fees because I recognize that part is XXXX XXXX on me for overlooking those specifics in the terms and conditions. My complaint is that I received zero correspondence from Chase. Not an email, call, text, push notification... nothing, not even in my spam folders. While this ordeal didn't really impact me much, I feel that this could really hurt others who get blindsided by this as I did.
Product: Mortgage

An underwriter review for modification has been going on since  XXXX  o f 2017. We are now looking at two months without a decision.
Product: Credit card or prepaid card

I paid off my XXXX 's credit on time. One month later i received a bill with finance charge and late fee. I contacted the comenity bank and told then my account is paid off, they told me apparently i was 5 minutes late in payment and XXXX 's who filed for bankruptcy refused to reverse or remove any late fee. XXXX 's was collecting money on late fees even when the account was paid off. Its been 1.5 years, they have been slamming me with late fees and finance charges. I contacted all the credit bureaus, they did absolutely nothing.
Product: Checking or savings account

Chase just randomly closed my account with no explanation no nothing went to log on and it said account was locked to call so I called and they said it was closed did not say why or anything and from further research they do.this all the time to people
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit information on the consumer credit profile should be deleted since the account is closed XXXX XXXX XXXX # XXXX {$450.00} XXXX XXXX XXXX # XXXX {$630.00} Experian credit bureau Should delete these accounts, since they are closed and no longer valid on the consumer credit profile.
Product: Student loan

I recently reported fraud with my checking account. I am waiting for the bank to credit my account. In the meantime, I have contacted all my lenders and credit card companies. All except Navient are willing to work with me. 

My other student loan company offered the option of deferring my loan. Navient just calls almost everyday. The phone calls also included robocalls. Today l received seven calls. I was at work and spoke to someone at the end of my work day. I explained the situation again. They have called me 32 times since XX/XX/XXXX. 

Here is a brief overview of dates and number of times Navient has called me per day : XXXX 2 calls XXXX 3 calls I explained the situation XXXX 3 calls I explained the situation XXXX 3 calls XXXX 1 call XXXX 1 call and I explained that I was still waiting for the fraud investigation to end and for the bank to credit my account. The Navient representative basically told me " That won't stop the phone calls. '' XXXX 4 calls XXXX 4 calls XXXX 2 calls XXXX 2 calls XXXX 1 call XXXX- 7 calls I received all the calls while I was at work and answered the last one at the end of my work day. The representative gave me the option to opt of of robocalls and texts only after I said I would contact the Federal Trade Commission. I explained that I am still waiting for the fraud investigation to finish and for the bank to credit my account. 

I feel that this is harassment and Navient needs to give borrowers options in this type of situation. It is already stressful enough.