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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX NOTICE : Pursuant to the laws set forth below, you : EXPERIAN, XXXX, and XXXX are in violation of multiple laws set forth by Congress in regard to MY consumer report. YOU : EXPERIAN, XXXX, and XXXX have willfully violated my Constitutional Rights and are subject to penalty fines and/or jail time. 


Pursuant to : 18 U.S. Code 1028 ( a ) ( 1 ) - Aggravated identity theft : ( a ) OFFENSES. ( 1 ) IN GENERAL.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Pursuant to : 15 U.S. Code 1681n ( a ) ( 1 ) ( a ) ( b ) ( 2 ) ( 3 ) - Civil liability for willful noncompliance : ( a ) In general : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person 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 ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
Pursuant to the laws set forth ; I DID NOT GIVE YOU : EXPERIAN, XXXX, AND XXXX, WRITTEN, VERBAL, NON-VERBAL, OR ANY SUCH CONSENT TO REPORT ANY SUCH ACCOUNTS ; CREDIT, EDUCATION, PERSONAL INFORMATION, INCOME, EMPLOYMENT OR SUCH FORTH INFORMATION ON MY CONSUMER REPORT. VERIFY THE WRITTEN LETTER/STATEMENT THAT I SENT YOU GIVING CONSENT AND AUTHORITY FOR YOU TO DO SO. I DID NOT GIVE YOU SUCH CONSENT, THEREFORE YOU HAVE COMMITTED IDENTITY THEFT/FRAUD AND HAVE VIOLATED MY CONSTITUTIONAL RIGHTS. 

I look forward to resolving these violations and hearing from you soon. 
Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy anad confidentially under 15 usc 1681 Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15usc section 1681 602a state i have the right to privacy.

15 usc1681 section 604a section 2 states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1681c ( a ) ( s ) states no consumer reporting agency may make an consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crime which antedates the report by more than seven years.

15 usc 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting unverified and unvalidated accounts on my consumer credit report. I do not have a relationship with the alleged debt collector. There is no signed contract between myself and the alleged debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the information via XXXX site 2-3 times. Says account is closed and no current payment being made. Account is very much open as I make payments every month. It was included in bankruptcy but not discharged! Kept in good standings. XXXX failed to verify any of it and says it's correct, when trying to upload proof to XXXX it will not work. Also contacted Reliable credit card asked for a payment history, nothing yet and it's been 2 weeks!
Product: Credit reporting or other personal consumer reports

Hello, I got an alert in XXXX around owning a first installment for an XXXX Account. I have never ever applied for the account or shopped at XXXX in the amount of XXXX. I got an email that I was approved for XXXX. When I reached out to XXXX, the only message I got was you open the account and now you have to pay it. I sent an email to them with all my information to confirm my identify and asked what information was used for credit line approval. Now my fraudulent affirmed account is impacting my credit due to it being 60 days late. In principle, I could probably pay this but my concern is this could potentially happening to other people. It would be great to understand from XXXX  what was used for approval so I can make sure I lock down those identity markers to stop this from happening. Also, what was brought and where was it shipped so I can see where the fraudsters are. I am hoping you can help with this.
Product: Student loan

Student loan help seems to focus more on the younger generation. I finished school in the XX/XX/XXXX. My loans are well above {$200000.00}. I am in the income driven loan repayment plan. Because there are times when my income increased, I have to pay more money back monthly. I can not save to do some of the things I made a sacrificed to educate myself for because of how much I have to pay back. I am XXXX years old, a 21 year XXXX and can not save enough money for a down payment on a home. I did not come from a wealthy family. There was a time federal laws allowed students to write off loans through bankruptcy but that seemed to end a more students XXXX stated continuing through higher education. I am afraid to allow my loan payments to lapse because I do not want to hurt my credit. I have been told if I pay the loans for 10 years without a missed payment the rest will be wiped out. I want to live the American dream but do not know how. What are some other methods possibly that could be used to help those of us who were educated 20 years ago and have a large repayment debt?
Product: Mortgage

Hello I XXXX XXXX, I am reaching out to express my profound concern and to formally dispute an egregious error pertaining to my mortgage account managed by Planet Home Lending. It has come to my attention that property taxes for an entirely unrelated property at XXXX XXXX XXXX, XXXX  XXXX, have been erroneously included in the escrow calculations for my mortgage on my residence at XXXX XXXX XXXX, XXXX, TX XXXX. 

This mistake has not only led to a significant and unaffordable increase in my monthly mortgage payment but also presents a clear lapse in the fiduciary duties owed to me as your client. I have never been late on a payment, yet I am now facing undue financial hardship and stress due to this oversight. It is deeply troubling that instead of rectifying this error, I have been advised to consider a loan modification for a situation caused by negligence on the part of Planet Home Lending. 

I am requesting an immediate and thorough investigation into this matter, followed by the appropriate adjustment to my escrow account to reflect only the property taxes for my actual homestead residence at XXXX XXXX XXXX. The suggestion of a loan modification under these circumstances is not only unacceptable but also adds insult to injury, considering the issue at hand stems from an error for which I bear no responsibility. 

To facilitate a swift resolution, I am prepared to provide all necessary documentation upon request. Your prompt attention to this matter is crucial to me, and I expect a detailed response outlining the steps Planet Home Lending will take to correct this error and adjust my mortgage payments back to their rightful amount, excluding the incorrect property tax charges. 

I trust that Planet Home Lending values its customers and will uphold its duty to correct this significant error without further delay. 

Best Regards, XXXX XXXX
Product: Credit card or prepaid card

To Whom It May Concern, I have been dealing with identity theft for the past year and a half and it is a difficult and troublesome on-going issue that Im still trying to resolve. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. 

Apple card issued by Goldman Sachs Bank USA has blocked me from seeing my bank statement under my apple ID : XXXX I have reported many charges which were fraudulent to them, however, they have re-billed everything that were reported. I can not see anything on my end I have no access to see what is happening to my account. However, I was afraid of interest would accrued on the card I just kept paying until I was able to reach out. They never returned my emails or phone calls and I'm left in the dark on why my fraud claim isn't resolved. 

As explained when I have reached out to them about those charges, which I can't see since my account was closed without notice, that are fraudulent due to identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX XXXX
Product: Student loan

Navient is hiring part time employees and giving them access to sensitive information. These part time employees are then copying customers personal information and using it as a tool to threatened their customers. Navient have an employee by the name of XXXX XXXX who gained access to my information and informed me by reciting the last 4 numbers of my social that she knows my information. She also said that I do n't know what she is capable of. I have XXXX XXXX who lives with me and being that this person has gained access to my personal information I know feel that my safety and my daughters safety is in Jeopardy. I spoke to a police officer about my concern and was told that since does not fall under the domestic violence umbrella there is really nothing I can do which explains why I am reaching out to you for your assistance. Please help put a stop to this.
Product: Money transfer, virtual currency, or money service

Not surprising but unacceptable that Cash App refuses to refund my STOLEN money. The whole basis of my dispute is UNAUTHORIZED FRAUDULENT payments ( 2 of them amounting to {$1900.00} which was my entire cashapp balance ) made by thief ( s ) who gained access to my cashapp by stealing my phone and making the fraudulent withdrawals emptying my entire cashapp account. Cashapp is trying to say those fraudulent charges were authorized and or made by me. Does Cashapp really think I would authorize myself or anyone else to empty my entire cash app account??!!? I filed a police report as well as contacted cash app support and filed a dispute the very moment I discovered the fraudulent charges merely an hour after my phone was stolen. I am now escalating tgis to report with CFPB as well as filing a formal complaint with the XXXX XXXX XXXX
Product: Debt collection

In XXXX, my identity was stolen and used to file taxes and in XXXX, my identity was used to apply for loans, credit cards, and only XXXX knows what else according to my knowledge. As I'm not exactly sure who nor when, I can only assume it's due to the XXXX web and also when my personal information was auctioned off in a storage unit that I lost in XXXX. I immediately placed an initial fraud alert on all XXXX of my credit files with all XXXX major credit bureaus. I then signed up for credit monitoring and I have filed an ID theft affidavit and a police report.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in removing unauthorized hard inquiries from my credit report. Despite my efforts to dispute these inquiries with XXXX, they remain on my report, negatively impacting my credit score. 

I have already sent three dispute letters to XXXX, and I am looking forward to completing the following steps to resolve this issue : 1. Escalating the dispute to a XXXX supervisor or specialist 2. Providing additional documentation or proof that the inquiries were made without my consent 3. Requesting a manual review of my file to remove the disputed inquiries 4. Filing a complaint with the Consumer Financial Protection Bureau if necessary I believe that these inquiries are a result of identity theft or errors by the creditors. I would appreciate any guidance or support your office can provide in resolving this matter. 

Please let me know if there are any additional steps I can take or if you require any further information from me. 

Thank you for your attention to this matter. 

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

XXXX  XXXX credit card sent a collection to XXXX XXXX XXXX, this collection agency did not report to transunion. Resulting in it still showing up on my credit report as paid in settlement. Should be deleted off my credit report and not be on the report. As well as transunion could not delete it because XXXX did not follow through with what they promised on the 30 days deletion letter. I attached the letter for documentation purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting two accounts that do not belong to me on my consumer report. I, XXXX XXXX XXXX do not have a loan with them in my name. They have failed to provide any information to me regarding these accounts.
Product: Mortgage

I called bayview to ask why they were charging me late fees on my mortgage, when I send my payments two weeks ahead of time.I can send my payments on the first of the month and by the XXXX. off the month and they will tell me they have not recieve my payment and will charge me a late fee, I have until the XXXX of each month before my payments are late.When I called bayview loan servicing on XXXX XXXX, 2015 an ask when will they send my XXXX to file my taxes, they said that it will be mailing them out on a saturday XXXX. I waited until the end of XXXX and I still did not recieve a form. I called bayview back and they said oh we sent them out and if it do n't come go online an get a copy on their web site. I went on their web site an could not find it When I called them back and asked about my XXXX, they did'nt want to talk about the form an kept asking me why they have'nt recieve my payment. I called back in XXXX and asked them to send out a XXXX again, an all they wantrd to talk about was my payments being late. All along its seem like l am getting the run around, I 'm still waiting for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/XXXX, I discovered that I had been a victim of identity theft. One of the accounts opened by the fraudulent person was a USAA SAVINGS BANK Account. I flagged all of my credit accounts with identity theft flags and filed an identity theft report with the Federal Trade Commission. 

I disputed the USAA SAVINGS Bank account on all three credit reports : XXXX, XXXX, and XXXX. Also, I spoke to USAA 's fraud department directly and informed them, I was a victim of identity theft. Further, I have not now nor have I ever been in the military. With my disputes, I submitted both my FTC Identity Theft Report ( attached to this complaint ) and a copy of my police report from the XXXX County Sheriff 's Office ( attached to this complaint ). 

As of today ( XX/XX/XXXX ) USAA has removed the fraudulent account from both XXXX and XXXX. However, USAA denied the removal from XXXX and placed it back on my credit report. I submitted this XXXX dispute on XX/XX/XXXX and their ongoing denial and refusal to remove this account is preventing me from accessing financing I need today. I was told by XXXX 's Fraud Department that there isn't anything more they can do, this is 100 % on USAA Bank.
Product: Debt collection

I got a bill from collection of a credit card i never apply for.
Product: Mortgage

On or about XX/XX/XXXX I closed on my property with XXXX XXXX. On or about XX/XX/XXXX I became severely affected by the coronavirus and had to enter into a 3 month Covid-19 Mortgage Forbearance Agreement. I had extended for a third time in XXXX with XXXX XXXX  that gave me federal protection under the CARES Act for the months of XXXX, XXXX and XXXX. Later in XXXX I receive a letter from XXXX  XXXX  dated XX/XX/XXXX giving Notice of Service Transfer. It confirmed the total balance of my mortgage and read my payments will resume XX/XX/XXXX ( the letter has typo of year XXXX ) please see attached. It also confirmed Midland Mortgage will be my mortgage servicer after XX/XX/XXXX and they will be expecting payment on XX/XX/XXXX. On or about XX/XX/XXXX I setup my account with Midland Mortgage online. Once in my online Midland Mortgage account portal I noticed that that they had my Forbearance ending XX/XX/XXXX and payment required XXXX XXXX. Immediately alarmed by the discrepancy I notified Midland Mortgage and informed them I was a transfer and that my Covid-19 Forbearance plan ended in XXXX of XXXX. The Midland Mortgage representative just refused to acknowledge the facts of the guaranteed federal protection time period I was granted with Movement Mortgage. I got no where with the first Midland Mortgage representative after forty-five minutes on the phone. So on XX/XX/XXXX I reached out to a Movement Mortgage loss mitigation named XXXX who confirmed that my Covid -19 Forbearance was in place from XXXX - XXXX and she acknowledged the typo for my payment start date. She further reminded me that my account was transferred to Midland Mortgage and they know the proper protocol for these matters and advised me to call them, my new mortgage servicer, Midland Mortgage, again. So after hanging up I called Midland Mortgage wasted forty-five minutes on the phone with they loss mitigation ( imposter ) who was " taking notes ''. Finally, he admitted he was not loss mitigation and he cant give me a number but can transfer me to loss mitigation. Finally, I spoke to loss mitigation rep XXXX ID XXXX who actually looked at information for another forty-five minutes and could not provide a answer for the wring dates. I asked how they knew I was on the CARES Act and what documents did they use to determine it ended in XXXX? No answer. I asked who put the information in the computer? No answer. It had to have been put there wrongly deliberately. She said she would research the documents I will have answers at a later date. I told her this impacts my life and family lively-hood and I will be reaching out to consumer advocates for help. I do not understand how Midland Mortgage cant explain how they wrongly got my Covid-19 federal protection ending in XXXX and refuse to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX information is inaccurate information account is closed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to TRUIST BANK for taking no action on correcting and removing the fraudulent account that is still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Student loan

I took out a {$15000.00} " signature student loan '' private student loan from XXXX XXXX in XXXX and because my credit was not good, I needed a co-signer. This loan was in addition to federal loans taken to cover living expenses and costs for school XXXX XXXX XXXX University XXXX  campus in XXXX Fl. I was a part time XXXX and working full time. For many years, until XXXX, we paid the best we could until my exhusband and I filed for XXXX  XXXX bankrupcty and was ordered NOT to pay this account. The intersest capitalized and the loan grew and grew until payments continued in XXXX. In XX/XX/XXXX, the loan topped out at {$18000.00}. I continued to pay the best I could until another personal XXXX  XXXX bankruptcy in XXXX. To date, I have paid over {$15000.00} on this loan. I still owe {$11000.00}. I have attemped to remove my co-signer a few times and every time it is denied. The interest rate is above 7 %. My loan was not included in the Multi-State Navient settlement because the company says that I was never deliquent. I argued with them that XXXX separate bankrupcties is delinquency and that there were more than XXXX  months of missed payments. I think Navient/Sallie Mae has collected my debt unfairly as this private loan should have been discharged with my bankrupcties. Please let me know how I should proceed.
Product: Credit card

Recieved chase Sapphire credit card with employer name instead of Personal name XXXX XXXX instead of XXXX XXXX, called Chase sapphire number XXXX to report it was asked to send copy of DL and ss card which i did on XXXX, i was told name will changed within 24 hrs and new credit card with right name will be sent overnight. This has not happened yet called chase today and was told it will take 10-14 days! even though rep XXXX told me they have received the name change documents.
Product: Credit reporting or other personal consumer reports

To whom this will concern my name is XXXX XXXX and the accounts I've mentioned in this report should not be reflected on my consumed report as they violate my rights as a federally protected consumer according to 15 US code section 1681e, 1681i, and 1681S-2. I have identified inaccuracies that need immediate correction period per FCRA guidelines I request a thorough investigation into these discrepancies and prompt removal to uphold the integrity of my credit report and credit history.