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

Date : XX/XX/19 Amount : {$1200.00} Action Taken : I asked the credit bureau to remove this account because the creditor does not own the account anymore. It states it was transferred and purchased by another lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Account number XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$760.00} Credit limit {$0.00} Account type Collection Revolving No Open Yes Authorized user No XXXX XXXX XXXX {$340.00} Original creditor XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$330.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No Original XXXX XXXX  XXXX XXXX {$130.00} Account number XXXX Date opened XXXX XXXX Balance {$130.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No Original creditor XXXX {$23.00} Account number XXXX Date opened XX/XX/XXXX Balance {$23.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No XXXX XXXX {$5400.00} Original creditor Account number XXXX Date opened XX/XX/XXXX Balance {$5400.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No XXXX XXXX XXXX  {$240.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$240.00} Credit limit {$0.00} Account type Collection Revolving No Open Yes Authorized user No
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I made a complaint ( XXXX ) to Transunion about an amount that XXXX has listed on my credit report. Along with this complaint I sent documentation clearly showing that XXXX has knowingly and willingly placed information on my report that they have not and can not verify with full accuracy. Transunion acknowledged my complaint and claimed to have updated my report as a consequence. After looking at my report, I saw no changes and that the charges remained. 

On XX/XX/2022, I submitted a CFPB complaint against Transunion ( XXXX ) for allowing questionable information to appear on my credit report. Transunion again responded that my XXXX account was updated. Again, I saw no changes. 
In my estimation, Transunion is systematically sending false or misleading statements to the CFPB and is in violation of 18 U.S.C. 1001. The questionable information is still on my report, and XXXX is now reporting this debt as late.
Product: Credit reporting or other personal consumer reports

In 2019 XXXX XXXX XXXX XXXX was in short sale. SLS refused all XXXX offers from the primary lender on the property and the short sale never happened. The house went into foreclosure and was auctioned off as indicated on my credit report under XXXX XXXX mortgage in XXXX of 2019, labeled with an " F ''. When the house was foreclosed upon, SLS lost the lien on the house and it became an unsecured debt. SLS failed to report the foreclosure in XXXX of 2019 and has been reporting the mortgage debt for the last 5 years only to charge it off recently. This blatant and intentional false reporting has ruined my credit for years and precluded me from securing a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through USPS : XXXX : XXXX XXXX : XXXX Transunion : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate. 

These are clear violations of my federally protected rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The date last active day is wrong. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The date last active is wrong. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are accounts were mine.. 

Also, I have some personal information that needs to be addressed as well. Can you please investigate and remove these names as well? It should only be as listed at the top of this letter. 

Wrong Names : XXXX XXXX XXXX XXXX XXXX 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

I have been a victim of identity theft, and my name, SS and bank accounts have been compromised in several data breaches. This has caused accounts that's not mines, my accounts to go negative or become late. 

I have contacted XXXX XXXX who states that they are not reporting my account as collections. I am currently enrolled in a program and make payments with them. I do not know where this account is coming from it is not mine. This account is reporting false updates on the statues as collection. 

XXXX XXXX # XXXX XXXX XXXX XX/XX/year> for {$2800.00} closed This is incorrect. Please update or remove.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : 15 U.S.C. 1692 ( C ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer concerning such debt. 

This is my third notice in which I have requested that you stop contacting me about someone elses debt. I have sent a certified mailed request to your office to stop getting me and harassing me about this alleged person with the same name as mine, however, your blatant disregard of the FDCPA is apparent. The validation process you claim to use is flawed incorrect and void of the truth. 

I shall be forwarding this to the CFPB along with the certified mailed letters and proving receipts that I have requested that this company cease contacting me. I shall provide this further information to the credit agency to stop receiving funds from you and keep this information in my credit report.
Product: Debt collection

I was sent an EMAIL From XXXX XXXX XXXX on Tuesday XX/XX/2018 that stated the Forclosure on My Home Is On Hold, then Why am I Receiving Notices Of A Set Sale Date Of XX/XX/2018! QUALITY LOAN SERVICES IS ATTEMPTING TO DECIEVE THE CFPB AGENCY AND ME! THIS IS AN OUTRAGE UNDER THESE CIRCUMSTANCES WHILE XXXX XXXX  SENT ME A LETTER ON XX/XX/2018 CLAIMING THEY WILL HAVE AN UPDATE ON XX/XX/2018? AND I ALSO NOTED XXXX XXXX SAID ITS MY ACCOUNT! THIS IS NOT MY ACCOUNT, I HAVE NO ACCOUNT WITH XXXX XXXX NOW OR EVER, THIS IS AN ILLEGAL PHANTOM DEBT, PERIOD! QUALITY LOAN SERVICES IS ATTEMPTING TO ILLEGALLY SELL MY HOME, WHILE XXXX XXXX CLAIMS TO BE INVESTIGATING THE IDENTITY THEFT, EQUITY THEFT AND TRUST DEED FRAUD, AS IT HAS BEEN DOCUMENTED AND ESTABLISHED BY THE COMMERCIAL CRIMES DIVISION OF THE XXXX. UNDER CALIFORNIA PENAL CODE 115 PC THE FILING OF FALSE OR FRAUDULENT DOCUMENTS ARE A FELONY, YET QUALITY LOAN SERVICES CORP DID JUST THAT, FILED FRAUDULENT DOCUMENTS WITH A PUBLIC OFFICE, THIS IS INEXCUSIBLE AND CRIMINAL. THEY ARE IN NONCOMPLIANCE WITH FDCPA 15 1692 HARRASSMENT AND ABUSE, THE USE OR THREAT OF USE OF VIOLENCE OR OTHER CRIMINAL MEANS TO HARM THE PHYSICAL PERSON,  REPUTATION OR PROPERTY, AND THE ADVERTISEMENT FOR SALE OF ANY DEBT TO COERCE PAYMENT OF THE DEBT.
Product: Debt collection

Per document sent XX/XX/2022. I XXXX XXXX did not ask for any validation of any debt nor did I request the alledged contract. The document was that Ad Astra Recovery services infringed on my rights to privacy with no consent from me XXXX XXXX. Again please read the notice fully and about rights to privacy and UCC9 -109. Your in clear violation of privacy and privity to contract and if you continue to disregard this matter you will have to settle this in arbitration. Please forward this letter to your Registered Agent for services.
Product: Checking or savings account

On XXXX2023 I deposited {$5700.00} in the form of 5 checks from the U.S department of treasury. The next day XXXX2023 Citi Bank with out warning put a block on my account due to " Potential Fraudulent Activity ''. They were no help at the branch and said there was nothing they could do and would take 48 hours to receive a decision if they will be lifting the block or closing my account. This is extremely troublesome as I have bills to pay and have a family emergency and have to get to Florida due to a sick grandparent. I cant pay for a flight, buy grocery 's, pay my bills. To top it all off I have direct deposits that will be going into this account next week as well. I need this account reopened ASAP. This can not wait. These check were from the Treasury department for God sake. Its not like it was a personal check! Please help! My next course of account will be a class action lawsuit against Citi Bank. I don't want to have to take it that far but am prepared to do so. They have got to be better about fraud protection. I understand keeping people protected but this is absolutely ridiculous as I was able to confirm my identity. Anything you can do to help would be much appreciated. Best regards,
Product: Checking or savings account

Also, I was XXXX out. My account had got overdrafted because there was fraudulent charges made on my debit card when I was notified when I got back about the situation we did the dispute. They received the police report and I won the dispute so my account was overdraft, took the money that I won from the dispute and used it to pay back the overdraft even though it was fraudulent and thats why it was overdrafted they charge me {$400.00} in fees as well and I was told that XXXX XXXX they are supposed to say and rule it out as fraud and erase the overdraft but instead they took almost XXXX of my money to pay the overdraft even though it was fraudulent and I did win the case, they said they were sending me my money of the {$2600.00} never received it. 


2nd Issue I closed my account with US BANK and they sent me a letter saying that I was going to get my check. I have not received that check or my money every time I get on the phone with them they try to figure out where the check is or they try to figure out Different things and they have still yet to give me my money from my account. Also they use my money to pay off a fraudulent charge that was on my account which someone use my card and I was away XXXX XXXX XXXX and made my account overdraft and for that, I had owed like {$700.00} and they used my money after I won the case to pay off the balance that was due which shouldnt have been even due because it was fraudulent in the first place and I have yet to get my money They sent me XXXX email every time I call the branch manager and the associate no one ever answers. They dont ever call me back. Email me back every time I get on the phone I go through XXXX different people and keep getting transferred and then when they finally finally find my check or whatever else, then Im on the phone and then I get disconnected and I have to start the process all over again.
Product: Mortgage

I signed up for nationwide biweekly mortgage payment plan. This is a service provided to reduce the interest and length of my mortgage. There is a fee taken for this service initially equal to XXXX payment. I received a letter that they are no longer able to service my, or any, of their customers mortgages. I have received no reimbursement, no reply by phone. It is as if they have vanished. The phone number to call is an automated message with no operators
Product: Student loan

I made a call to Navient on Monday XX/XX/2020 at XXXX in regards to my student loan. When I spoke to the representative she looked over my account and we proceeded to do the forbearance. She asked me what day I would like to setup the payment. And no point in time during that conversation that she stayed if the payment was after the eighth that it would be late reporting. On XX/XX/XXXX, I spoke to another customer service representative from Navient. He stated that that particular representative did not give me complete information and should have disclose that my due date was the eighth and that if the payment was after that particular day it would have been reported as late. He also submitted a complaint to the supervisor due to the previous representative failure to disclose complete and accurate information. As a result my payment was reported as late which has stopped me from purchasing a home and jeopardized my background check as a federal employee. 


I also made the payment on the 23rd and was told that it went through third and still received an email stating I had a payment due on XX/XX/XXXX. And at the bottom of the email it states that 1The payment amount ( s ) listed above reflects the amount due as of the date of this email. Please log in to your account at Navient.com to view your minimum payment due. I would hope that the forbearance will be processed in a timely manner, so that I do not have another late reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Re : Request for Removal of Closed Account from Credit Report Account Number : XXXX Dear Sir/Madam, I am writing to formally request the removal of a closed account from my credit report. The account in question is with XXXX and has been listed as closed, but I believe it is being reported inaccurately or unfairly. The details of the account are as follows : Creditor Name : XXXX Account Number : XXXX Date Account Closed : XX/XX/XXXX This account was closed on XX/XX/XXXX and, since then, I have had no further activity or outstanding balance associated with it. Under the guidelines set forth by the Fair Credit Reporting Act ( FCRA ), I believe this account should no longer be reported on my credit report as it no longer reflects my current credit status. 

I respectfully request that you review this information and remove the account from my credit report. Enclosed are copies of relevant documentation, such as a statement from [ Creditor Name ] confirming the closure of the account, for your reference.

I understand that under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they report. I trust that upon review, you will find that this account should no longer appear on my credit file and will take the appropriate steps to have it removed. 

Please notify me in writing once this matter has been resolved. 

Thank you for your prompt attention to this request. 

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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX I XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX  XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and an identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claims. These are not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX  they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and dated last reported in not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Opt-Out Request Under Privacy Laws I am writing to formally request that LexisNexis Risk Solutions immediately cease the sharing and distribution of my personal information indefinitely in accordance with my rights under privacy laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). 

Legal Basis for Opt-Out Under the GLBA, 15 U.S.C. 6802 ( b ), financial institutions are required to provide consumers with an opportunity to opt out of the sharing of their nonpublic personal information with nonaffiliated third parties. Additionally, the FCRA provides consumers the right to opt out of prescreened offers of credit and insurance, which directly relates to the sharing of personal information. 

Infringement on Consumer Rights The sharing of my personal information without my explicit consent constitutes an infringement on my rights as a consumer. It is imperative that my privacy preferences are respected and that my data is protected from unauthorized use and distribution. 

Risk of Identity Theft and Harm I would like to bring to your attention that my personal information was compromised in the XXXX data breach. This breach has significantly increased my risk of identity theft and potential financial and physical harm. Given these circumstances, the unauthorized sharing of my personal information exacerbates these risks and exposes me to further potential threats.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that there were a few accounts listed that i do not recognize at all. These accounts do not belong to me, i have never given any of these companies my information. 

XXXX XXXX Bal- {$20.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$360.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bal- {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$6100.00} Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$250.00} Opened : XX/XX/XXXX
Product: Debt collection

I have tried several times to get validation from XXXX XXXX XXXX to no avail on todays date I tried to call for this information and still nothing
Product: Mortgage

Dear/Sir we had a big issue with this bank XXXX Amegy bank ) and loan  officer XXXX XXXX XXXX XXXX # XXXX ) As the first time home we completed all requirement. Applying, signing a different agreement also we take first time home buyer education and paid for appraisal. let me make it the story. i was apply XX/XX/2015 then we did everything.after that we are waiting more than 100 days until XXXX XXXX to closing date ) until this day the loan officer told us we're good everything is going to smoothly. Finally at the closing date he just said " we can't closed today '' After 100 days he start the process he was hold the document and killed my time and wasting my time. He just start pull my credit, checking my tax return. They messed up our life because we're expecting moving out on XX/XX/XXXX to the new house. Already i gave notice for our apartment and we packed all staff also we made the big mistake we didn't register for our kids XXXX year school. Without reason they let us down in last minute. We're so badly disappointed.
Product: Mortgage

Ditech is trying force me to buy their homeowners insurance. I have sent them proof of insurance a number of times and they keep sending letters threatening to foreclose if i do n't pay for united insurance