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

XX/XX/XXXX The address and only address listed on my report Transunion Report and please contact them. 

XXXX XXXX XXXX XXXX, OH XXXX The account listed below and inquiries are illegal and needs to be removed asap. I am not identified what so ever with this nor any fraudulent accounts tied to my credit profile. I have been in the process of repairing and fixing my credit report and this is the last illegal account attached along with said inquiries. Please remove this last illegal account asap Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX for Failure to Acknowledge Proper Documentation of Proof of Address Dear CFPB Representative, I am writing to file a formal complaint against XXXX for their failure to acknowledge the proper documentation of proof of address that I provided in my dispute letter dated XX/XX/2024. 
Background : On XX/XX/2024, I submitted a dispute letter to XXXX challenging inaccuracies on my credit report. Enclosed with my dispute letter, I provided the following notarized documents as proof of my identity and address : A copy of my driver 's license A copy of my Social Security card A proof of residence document These documents were included to fulfill XXXX 's requirements for verifying my identity and address. I took extra care to ensure that all provided documentation was clear, legible, and properly notarized. 
Issue : Despite submitting all necessary and properly notarized documents, I received a response from XXXX stating that my dispute could not be processed because I did not include the proper documentation for proof of address. This response is both inaccurate and unjustified, as I have complied with all the requirements set forth by XXXX. 
Violation of Rights : XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, until this day XXXXThere are open inquiries, applications, fraudulent use, and other unrecognized inquiries on my account that aren't mine.. Some accounts are still open which should be closed..This is with Equifax, XXXX and XXXX
Product: Credit card or prepaid card

I've filed a dispute with macys/CBNA credit card company where I have been incarcerated in the XXXX  department XXXX XXXX XXXX XX/XX/2017 serving a XXXX  year sentence in the XXXX department XXXX XXXX XXXX Where I am housed at the XXXX XXXX correctional center at XXXX XXXX XXXX XXXX, OK XXXX and my XXXX XXXX is XXXX. I looked on my credit report, I seen an account from macys credit card that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in prison, with a copy of my XXXX prison Identification with my Social security card. Which could've all been verified by the XXXX XXXX XXXX  had this company did a proper investigation into this matter. Where they failed to respond to me in writing. And for these reasons if I have been incarcerated for the past XXXX years when this account was opened in my name I was in the XXXX  department XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 5 years where no credit card was ever Sent to me at my apddress at a penal facility. this is facts that would've have shown that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Product: Mortgage

I put my home on forbearance over 9 months ago and tried to take it off and they renewed it without my permission. I have tried to resolve it and have called them over 45 times in the past 9 months with no resolve yet. I have been told so many things and so many different answers its unbelievable. I just spoke with them today and was asked all the info again and then was put on hold to escalate the call but before she places me on hold she said it is my fault that things are getting goofed up because I am pushing buttons?? and once again no one came back on the line.I called them on XX/XX/XXXX and was told again that a letter would come saying that the loan amount balance would be placed at the end when I sell the home yet I never received the letter. I was told back in XXXX of 2021 that it would take 4-6 weeks to resolve the issue and I have been trying this whole time calling over and over. It is Flagstaff bank and I am so frustrated I have cried many times. What can I do? I would like other purchasers of homes to be aware of who they are using because this has been a nightmare. I have perfect credit and never had a problem like this.
Product: Money transfer, virtual currency, or money service

XXXX On XXXX, XXXX  XXXX, I sent XXXX dollars to Kraken XXXX On XXXX  XXXX I received their notification that my funds could not be deposited > I asked for that money to be returned to my account, the one where the funds came from XXXX On XXXX  XXXX, Kraken informed me that my bank had bounced the money back > They deposited in my Kraken acc XXXX dollars >I asked them about the other XXXX missing >Their response was that there were some fees included XXXX I asked them to either return my money or give me valid and legal proof of all the fees in the way > They are saying that they can not get that -Attached : Email thread and proof of deposit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act, XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I sent Navient a School Misconduct Application ( 1 account that included 3 loans ) for XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. Received an application confirmation letter for only 1 loan via mail dated XXXX XXXX XXXX, and then a School Misconduct Discharge Approval dated XX/XX/XXXX for the 1 loan. The problem is that my account has 3 loans. On my application I put down all 3 loans. XXXX XXXX XXXX and 2 Tuition Answer Loans. When I received the application confirmation letter it never acknowledged the 2 Tuition Answer Loans, only the 1 XXXX XXXX Loan number. The Approval letter came and still no acknowledgement of the 2 Tuition Answer Loans. The XXXX XXXX XXXX was Approved for Discharge. I have received no refund to date.

I called a number on my letter Notice of Intent to Litigate and talked with a XXXX XXXX XX/XX/XXXX. He said the reason why these 2 loans were not discharged was because I transferred this money to go to XXXX XXXX XXXX XXXX 9 years later. Obviously, he had no idea what he was talking about but insisted he was right and wanted to argue. 
I emailed the Office of the Customer Advocate Navient and received the attached letter in regard to why the 2 Tuition Answer loans are not covered. It states that the Holder Rule only applies to loans sent Direct-to-School. And since my loan funds were sent to me that makes me ineligible. In paragraph 4 line 2 it reads three Tuition Answer loans were sent to you directly. ( There are only 2 Tuition Answer loans. ) Additional background information : - Attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX full class member Federal student loans fully discharged now XXXX became Servicer in XXXX when I started having problems with Navients payment processing. Kept private loans with Navient. 
XXXX XXXX XXXX Bankruptcy discharged XX/XX/XXXX - Co-signer ( husband ) passed away XX/XX/XXXX - Filed a CFPB complaint XX/XX/XXXX, re : unauthorised reversal of payments by Navient. Navient took Federal loan payments and applied to private loans without my consent. I asked for proof and they said I would need a court order. 
- Filed a CFPB complaint XX/XX/XXXX, re : harassing phone calls by Navient - Filed a CFPB complaint XX/XX/XXXX, re : Illinois Attorney General follow-up with complaint filed regarding Navient collecting on loans included in bankruptcy, payment processing
Product: Credit reporting or other personal consumer reports

I was instructed by the call center to email my grievances to this email address. I was applying for a new line of credit and noticed my credit report showed an OUTSTANDING balance with AFFIRM , INC . 

I called to inquire, but there is NO info associated with my name, DOB, phone #, or address. Even if I wanted to pay off this small amount, I couldn't because there is NO STATEMENT. I believe that my SS # was fraudulently used, but customer care wasn't able to look that info up. 

Please help me? My credit is getting dinged for no reason. I have a screenshot and a credit report via XXXX. 

Here is my personal info : XXXX XXXX Account # XXXX ( from credit report ) DOB : XX/XX/scrub>XXXX SS : XXXX Register email : N/A ( fraud ) Register Phone # : N/A ( fraud )
Product: Credit reporting or other personal consumer reports

I did not authorize any hospital to release my personal information to any third party collection agency. This is a HIPAA Law violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX and TransUnion 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 XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the United States XXXX XXXX Service, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Checking or savings account

I received an unclaimed property letter on behalf of my deceased grandfather, XXXX XXXX back in XXXX, 2024. I went to a Wells Fargo branch near me and an associate guided me through the process of receiving the unclaimed funds. I'm the heir on his will, I sent in the death certificate, the letter received in the mail, and the front of back of the general power of attorney that they asked for. I waited weeks after emailing the unclaimed property email as instructed. Gave the number I was given a call for an update on the status of my request, only for the representative on the line to tell me that they have a lot of inquiries and that if I don't receive an email from them then typically that's a good thing. I'm assuming he just didn't want to escalate or transfer me. So I wait another few weeks. It's well past the 6-8 week time period they quoted me at this point and I give them another call. The lady on the phone was INCREDIBLY unhelpful, sounded bored and irritated with that fact that I was even calling. She tells me point blank to just email the unclaimed property email address and ask about the status. She says it'll take 7-10 business days to receive a response. I waited and waited. NOTHING. Last week, I received an email saying that they can not tell me anything about the unclaimed property and that XXXX XXXX himself is going to have to reach out for further information. Is this for real? HE'S DECEASED. I can't believe this. By far the WORST service from a bank I've ever received. This is exactly why I constantly tell people not to bank with Wells Fargo. Simply because they're scammers and they DO NOT CARE.
Product: Credit reporting or other personal consumer reports

The issue I am having : XXXX out of my XXXX total federal student loans are currently being reported twice as duplicate accounts on my Experian credit report. There are XXXX federal student loan accounts being reported under Dept of Ed/XXXX and XXXX same XXXX accounts are also being reported a second time under XXXXDept of Ed . The duplicated accounts listed twice under both XXXX & XXXX are all reporting as open with a balance. The loan servicer changed from XXXX to XXXX earlier this year. I previously had an issue with XXXX of my federal student loan accounts being duplicated on my XXXX XXXX XXXX credit reports, which was resolved after submitting a credit dispute. However, the issue with Experian is much more serious, as my total federal student loan debt is now incorrectly being reported as XXXX instead of XXXX and Experian has not corrected issue with my federal student loan accounts being duplicated even after submitting a dispute multiple times. I sent a message to XXXX customer support on XX/XX/23 informing them of credit reporting issue. I also submitted a complaint on XX/XX/23 with the U.S. Department of Educations Federal Student Aid Office ( XXXX ).
Product: Mortgage

XX/XX/XXXX again attempt to work out payment arrangements for mortgage payment VA loan. Rocket Mortgage asked issue for non payment. As usually from XXXX I have told these people theft of mortgage payment, escrow over payment and refund money, theft of Paperwork for VHA loan change from closing. Many times these people have refused me entitlement information for the handling of my money for my land. And again excuses to investigate why and whom XXXX XXXX Missouri is listening to about me buying land in Missouri on that lot. The AZ certified of eligibility woman told me in XX/XX/XXXX VA will use my equity and then distribute me my property assets from the house pay Rocket Mortgage and mail the remaining money. I called Rocket Mortgage to tell them XXXX XXXX Missouri refuse me my mail from my address so if they plan to send me anything I am not allowed to get my mail. So I will not get any money for m Rocket Mortgage. And They have been cutting checks back toe and I have only gotten one check and that was not my request. They just refunded the moneyXXXX.
Product: Checking or savings account

I made several complaints against Keybank to CFPB XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I had a checking and savings bank account with XXXX XXXX XXXX. It's Keybank during XX/XX/XXXX. Due to my check being on hold and direct deposit, they threatened to close my account. 
Not only this unfair and unreasonable bank held my money for weeks but now but later closed my account. 
In XX/XX/XXXX I got this letter from Keybank stating that they had charged {$20.00} overdraft fees into my account even when they were closing my account. 

At the time of closing my account and stealing my money, Keybank threatened that they will put negative remark on my history. 

Now recently when I tried to open a bank account at XXXX, account was opened and then XXXX closed it. When i called XXXX on XXXX XX/XX/XXXX, I was told that due to remarks by Keybank, they are going to close my account. Due to this early closure- I am missing {$300.00} cash back bonus. 
In their XXXX XX/XX/XXXX letter Keybak mentioned that : Please be advised that we may furnish negative information to a consumer reporting agency, including but not limited to, your account being closed I want strict most action action against Keybank. They stole my {$20.00} and then on top of it, made my report negative that i can not open any other new account. Keybank never gave me opportunity to fix the issue. Keybank took some unilateral decisions against me and now causing harm in future also. 
If I don't have bank account ( due to negative remarks from Keybank ) -I can not do any job. Will keybank pay for all my damages. 

I want immediate damage control by Keybank and pay for my damages ( {$20.00} overdraft and {$300.00} promotional offer of XXXX ). Keybank can not send me in circles and ask me to reach out to XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX never late ! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports