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

NOTICE OF VIOLATION OF 15 U.S. Code 1681c2 - Block of information resulting from identity theft. As Identity Theft, involves the misuse of another person 's financial and personal information ; In XXXX  2023, I filed an online Identity Theft report with the Federal Trade Commission and a copy of the same report was forwarded to XXXX XXXX, XXXX, and Experian. In addition I provided proof of my identity and I requested an extended fraud alert. The credit reporting agencies mailed me proof that they received the request for an extended fraud alert but they never placed it. As a result, I called XXXX XXXX and a temporary fraud alert was placed on my XXXX XXXX file and this temporary fraud alert was then placed with XXXX and Experian. However the credit reporting agencies intentionally violated 15 U.S. Code 1681c2 - Block of information resulting from identity theft as shown below and this complaint along with the other complaints and correspondence will be entered as evidence into the Court. When I alleged that certain accounts on my credit report were being reported without my consent and that there were no contracts to substantitate a debt then these accounts should have been blocked in accordance with 15 USC 1681c-2.

( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, 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.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Product: Mortgage

I just got one issue resolved with Fay Servicing and called today to make my paynent. I asked why I still could not make a payment online and was told because my loan was at maturity since XXXX! 
I got this as FHA i believe in XXXX and it was a 30 year fixed orginally with XXXX XXXX then to XXXX. 
A few years ago it was bought by XXXX and now Fay. Fay is saying that my loan is a 15 year ballon? and that XXXX modified the loan. I did receive a modification for six months in reduced payments in XXXX or XXXX by XXXX but Fay is saying it was modified in XXXX. 
Furthermore, would I not have received something from someone back on XXXX that said my mortgage loan has reached maturityi have been making my payments and planning my retirement around the 30 year fixed. They are also saying my balance s XXXX how is that even possible with making payments of XXXX.. per month on the original loan amount was XXXX or XXXX How can a company like Fay just say oh by the way.. they have had my losn for over a year. 
I talked to them today and they took ly payment but they said the few are sitting in suspense! I dont even understand. 
Somebody please help me there is just no was a bank would not tell you about your loan. I didnt even know it moved each serving each until i went and msde a payment. 
Ive read all the horror stories with Fay and I am scared of what they have they I do not lnow about.
Product: Credit card

From XXXX to current date, Discover Card has attempted to obtain very specific financial information, that they stated to me was just to confirm my identity. As a consumer Discover Card has requested IRS Consent Form 4506-C be signed which I feel is overstepping my right to privacy. I offered other ways to verify this information and was denied. The tax years they are requesting also has information relating to family members who passed away in XXXXXXXX XXXX XXXXXXXX. I can not provide the information without approval from the XXXX courts in XXXX states, which is an additional expense that I will not pay to maintain an account with Discover. Please note my account was opened in and around XXXX of XXXX which was a secured account, and around XXXX of XXXX it was converted to an unsecured line of credit. I have reason to believe Discover was asked to solicit this information, on behalf of a third party. I am a victim of the data breach at XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX, Equifax XXXX XXXX. I have not received a response. I understand that I am given time to hear back but they are all out of time. Legally. 

I need them to remove the items on my credit report & also compensate me for breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted experian several times and explained that the following things that they are reporting is in correct these things DO NOT BELONG TO ME & IS FRAUD. XXXX XXXX XXXX account XXXX it is listed with {$XXXX} balance, XXXX/XXXX  account XXXX balance {$XXXX}, XXXX XXXX XXXX account XXXX {$XXXX}, and a Bankruptcy. I have never filed bankruptcy at all ever. I told them the last time this was not mine. It was verified after I have sent in a police report, my drivers license, social security card and an identity theft report. These things are not mine and I am asking you to stop reporting things that are fraud on my credit report. 
For the bankruptcy this is a huge error and all this need to be fixed immediately! PLEASE DELETE THESE ACCOUNTS FROM MY REPORT.
Product: Vehicle loan or lease

I am writing to bring to your attention a serious violation of my consumer rights by V STAR FINANCIAL , LLC. I have recently discovered that V STAR FINANCIAL , LLC have reported a late payment on the above account number to the consumer report without my consent. This has had a negative impact on my credit score and has caused me great inconvenience. This is a clear violation of several laws that protect my privacy and financial information, including 15 USC 6802, 15 USC 6802A, 15 USC 6801, 15 USC 1681 and Privacy Act. Under these laws, financial institutions are required to obtain explicit consent from their customers before sharing any personal or financial information with third parties, such as credit reporting agencies. By reporting a late payment on my consumer report without my consent, your institution has violated my right to privacy and control over my personal information. Furthermore, I have reason to believe that V STAR FINANCIAL , LLC has also violated my privacy rights by reporting my personal information to third-party credit reporting agencies such as XXXX, XXXX, and XXXX without my explicit consent. As a customer of V STAR FINANCIAL , LLC, I have the right to be notified of any negative information that is being reported to credit reporting agencies. I also have the right to control the dissemination of my personal information and to ensure that it is only shared with authorized parties.

I demand that V STAR FINANCIAL , LLC rectify this issue immediately by removing the alleged late payment from my consumer report within 5 days upon receipt of this notice and providing me with a written explanation of the steps you have taken to address this issue. I urge you to take immediate action to rectify this issue and ensure that your institution follows all applicable laws and regulations. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of Identity theft due to several security breeches since XXXX there are now multiple companies including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Fin. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies are report information not belonging to me I have reported this to my local authorities as well as the FTC. I have filed multiple disputes with all three credit reporting agencies. This is causing a social and financial strain on my life
Product: Checking or savings account

On XX/XX/2022 there wasnt charge from Walmart in the amount of XXXX which I didnt authorize I was home getting an infusion of my meds not in Walmart my card was in my purse. Capital one then proceeds to charge back my disputed charge making my account over drawn by XXXX telling me the charge was valid when I have prove from my XXXX XXXX that the nurse was in my home that day
Product: Credit card

I was charged for goods I never received from XXXX XXXX XXXX. I reported it to the credit card company and they investigated. 10-12 investigations were done and I was told the case was closed in favor of the merchant. I have a letter from the merchant that will write off {$3000.00} dated XXXX XX/XX/2023
Product: Debt collection

I believe that Citibank erroneously issued me a XXXX, Cancellation of Debt. I sent a package to Citibank on XXXX XXXX, XXXX with the necessary documentation, including my credit reports back to XX/XX/XXXX, but have had no response from Citibank. 

In XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX XXXX, XXXX requesting over {$42000.00} for Citibank account with the number ending in XXXX. I checked my quick books records as well as my credit reports and found no credit card with that number. I disputed the debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX In response I received some statements from Citibank showing balances of {$37000.00}, {$38000.00}, etc with interest accruing at approximately {$1000.00} a month. I responded to Citibank with information regarding the statements and the fact that the card does not appear on my credit report. I have a copy of that letter. 

I heard nothing from either XXXX XXXX XXXX XXXX, XXXX or Citibank until a XXXX was issued in an amount just over {$17000.00} for the XX/XX/XXXX tax year. 

This erroneous XXXX will have serious ramifications for me and not just any potential tax liability. The IRS can unwind any erroneous tax calculation at any time. However, this error impacts my XXXX subsidy and my son 's college financial aid. Our FAFSA will need to be linked to our XX/XX/XXXX XXXX before the fall term. I will be able to demonstrate actual damages that may NOT be able to be rectified, i.e. my son 's Financial Aid which has strict deadlines, if this matter is not looked into and investigated. It needs to be resolved promptly. 

Interestingly, I was sued by Citibank back in XX/XX/XXXX for a little over {$16000.00}. Citibank continues to collect on that judgment, issuing garnishments, etc. The lawsuit filed by Citibank states that this is for an account ending in XXXX, however, subsequent exhibits attached to a Motion for Summary Disposition ( of which I do not have copies but the court and Citi 's law firm, XXXX, XXXX and XXXX should have copies ) included statements for an account ending not only in XXXX but also XXXX. Both those accounts are reflected on my credit reports. I believe that the XXXX account number changed when XXXX XXXX XXXX XXXX was acquired by Citibank, hence XXXX numbers for the XXXX account. That suit was filed in the XXXX District Court in XXXX XXXX, Michigan, case number XXXX. ( The XXXX is for XXXX XXXX since the court also meets in XXXX and XXXX ). 

In summary, I have no records of any credit card with this number. Not in my accounting software nor in my handwritten hard copy back up. It has never appeared on my credit report, at least since I have regularly pulled those reports starting in XX/XX/XXXX. In XX/XX/XXXX all my accounts were reported as current. There is no record of this credit card from XX/XX/XXXX-XX/XX/XXXX. When asked for any proof, all that was provided were some recent statements that showed no activity, just a past due balance accruing interest. I was sued by CitiBank back in XX/XX/XXXX for an almost identical amount. Citibank has a judgment on that amount and their attorneys continue collection procedures.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have several unknown addresses and inaccurate fileinformation thatneeds to be updated properly. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX. Please delete all other unknown addressesthey are not correct. Te following addresses are not mines : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove the extra name from mycredit report. According to 12 CFRPart1022 ( Regulation V ) requires furnishers to : Furnish information concerningaccounts or other relationships with a consumer thathas integrity. Furnishinformation about accounts or other relationships with aconsumer that is accurate. C- Conduct reasonable investigations of consumerdisputes According to XXXX, inorder to make a lawful report, you must follow theMetro 2 compliance standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XXXX 2016 I began the process of fixing errors present on my credit report with XXXX, TransUnion, and XXXX.
Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you.
or 2 ) Information on this item has been updated.
Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX Creditor : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX *In reference to above XXXX XXXX XXXX XXXX , account name and date opened is incorrect.
Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX UNIVERSITY Creditor : XXXX *In reference to XXXX/XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MEDICAL CENTER, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX account status, balance, and date opened, balance is not 100 % accurate.
Creditor : XXXX *In reference to XXXX, account past 7 yrs. and balance is in error.
Creditor : XXXX XXXX XXXX XXXX has deleted XXXX  XXXX has deleted XXXX XXXX XXXX, XXXX XXXX XXXX  TransUnion has deleted XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Checking or savings account

I signed up for Block, Inc. 's square in XXXX  to use as my collection service provider, My account was closed on XX/XX/year>, and they told me to hold my funds and release them after 90 days, but up to now, my balance is still held by them. I have contacted them many times to ask them to release the funds or give me the expected release time. 


But each time it was upgraded to the account service team, and they didn't give me any answer, one of them told me that they would hold my funds forever My account has {$2000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has an unverified, obsolete, and inaccurate account on my credit credit report. 

This account needs to be deleted from my credit report. 

Thank you XXXX XXXX
Product: Debt collection

Debt which is paid in full has been bought by a zombie debt collector and needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I have found numerous inaccurate names, aliases and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report.
Product: Credit card

Account # XXXX XXXX XXXX XXXX XX/XX/XXXX I attempted to close this account multiple times, calling the customer service number XXXX. Optum Financial suggested I was not who I was with multiple security features. They had me mail a form requesting account closure, done in XXXX of XXXX. I never activated a XXXX XXXX. Optum used various customer service agents to manipulate red tape to hinder me from closing the account. Now, they have collected every dollar in junk fees and paper statement fees, which I never opted for. 

Please see the evidence attached for dates of occurrences. 
Respectfully, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT PURSUANT TO SECTION 605B YOU MUST BLOCK AND REMOVE THE FRAUDULENT INFORMATION PLEASE DO
Product: Vehicle loan or lease

I financed a vehicle from sage auto sales through age financial in North Carolina, XXXX XXXX XXXXXX/XX/XXXX. I paid a down payment and I was told that it would apply to my total amount of the auto loan.however I recently went Over my contract and it was a lie and fraudulent the contract is null
Product: Checking or savings account

Comerica direct express fraud I called to dispute charges said I had 10 days to respond but they only sent a stop future payment letter and charges not reimburse causing me to lose rental.called back said they had to check serif dispute could be reopened pretty sure not first time fraud happened rarely can speak to person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card

I was accessed a {$39.00} late fee, although I have a stella payment history with Capitol One and have never bounced a check or made a payment that was not honored by my financial institution. And Capitol One placed a 10 day hold on my payment eventhough it has cleared my bank account. 
The payment cleared my bank account on XX/XX/year> yet Capitol One is holding my account until XX/XX/year> I feel this is in retaliation to my submitting a complaint with CFPB in XX/XX/year>XXXX XXXX
Product: Mortgage

After 3 months of processing, and 2 days before closing, I was told I dont quality.

OnXX/XX/XXXX, I applied for a refi for my primary property ; corresponding via phone and email with XXXX XXXX   at Reliance First Capital in XXXX, NC. My initial request and conversation with her was to ensure that my debt-to-income ratio was sufficient and that I could use the rental income on my second investment property as income. See emails attached. I wouldn't let them pull my credit until they verified this information.

I submitted all paperwork and was approved for the loan for $ XXXX@ 4.5 % for 30 years and was in the final stages of the loan process in XX/XX/XXXX, per the closing disclosure information I received via docmagic.com, as well as XXXX emails to me ( attached ). Loan Number : XXXX.

I executed three sets of Closing Disclosures, was told several times that I would close on the loan tomorrow or next week. After 3 months of submitting ALL necessary paperwork, paying appraisal fee of {$500.00}, paying for HOA forms fee of {$210.00}, being told I was closing within days, I receive a call from XXXX  's manager, XXXX XXXX who told me that I didnt qualify and it was because of the Dodd-Frank act. I dont understand how an act set up in XX/XX/XXXXcould have affecting a closing that was to finalize within days. Now interest rates have increased substantially and I am out thousands of dollars due to their error. They deleted the latest Disclosure statement in XXXX, but I have all other copies and emails.

Attached, copies of email correspondence, documents, and Closing Documentations submitted.

XXXX XXXX : XXXX XXXX XXXX XXXX : XXXXXXXX Lender License No. : XXXX  NMLS ID : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX 2024 /XX/XX/XXXX 2024 /
Product: Mortgage

I am writing to dispute being charged fees in the amount of {$710.00} on my account. The amount is inaccurate and I am requesting that the error be corrected. 
When I lost my job and I was late I called Seterus and I was told they are here to help so I tried to get a modification, but I was they declined, so they worked out a payment plan with me and I would not be charged any fees. 
In XX/XX/XXXX and XX/XX/XXXX I had financial problem so I only paid a portion of my mortgage because I was told to pay something then I realized the money was not going towards my mortgage, I called Seterus and that 's when I was told that I have been being charged late fees since XX/XX/XXXX and the portion of the money that I have been paying was only going toward fees, which I did not know I had. 
Also they charged me fees to go by my house when I 'm talking to them and telling them that it is occupied I believe that this company is unethical and the FTC should have them investigated. 
Please investigate this matter and correct the billing error as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF. 
A LETTER OF EXPLANATION IS ENCLOSED.