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

XX/XX/2019 I correctly completed and submitted online form for free security freeze. The site states that there is an issue with my data and that I must file by US mail. This is completely balderdash. They are intentionally making it hard to receive this free, required service in hopes that I will just forget about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordiance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 604 A. section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

this account, " XXXX XXXX XXXXXXXX XXXX XXXX' is still open, on my credit report as a remaining balancing. it should be removed and detected as XXXX balance. i no longer have this loan
Product: Checking or savings account

1 ) Was contacted via text by 'NFCU Free Alert ' That : " I added a new XXXX  transfer recipient to my Svg. Acct. ( which I didn't ) If I didn't make this request to call XXXX. '' XXXX ) Did so contact NCFU after reviewing my Svg. Acct. online and that {$8500.00} had already been w/drawn. 3 ) I was told on this 1st call that the funds transfer was still pending and that the X'fer would be 'frozen ', which it wasn't. 4 ) I then followed-up w/another call to NCFU, this time they stated that " There might possibly be some difficulty retrieving the stolen funds '' .4 ) I personally went into the XXXX XXXX, CA XXXX XXXX the NFCU and submitted my 'Claim for Loss ' via email. 5 ) I then recieved an email reply from NFCU that my calim had been denied due to : '' We determined that you authorized and/or particpated in the acitivity. '' Which I had absolutely not done! 5 ) I then again went physically to the NCFU branch in XXXX, CA and submitted an 'Appeal to Reverse the claim denial'.At NO time did Navy Fed. Credit Union inform me, at all, whatsoever about this 'XXXXXXXX transfer ' BEFORE the funds were distributed! This alone is an MAJOR FLAW of their online OR Physical card accesses, PERIOD!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus are reporting reporting late payments on my XXXX Credit Card account and I have never been late with any payment on that account. I have requested for proof of any late payment from the creditor and credit Bureaus but I haven't heard back as of yet. Now I am reaching out to the CFPB for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Equifax are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which does not belong to me or was opened without my permission. 

XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1000.00} ; According to FCRA Section 605B ( a ) Equifax 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 XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Last year, XXXX XXXX, my wife lost her job. We contacted our mortgage company Ditech about mortgage relief in XXXX XXXX. By XXXX XXXX we were told they had all the documentation needed and it would be a 60 day assessment time to review with the underwriters if we fit into a mortgage relief program. After numerous calls and voicemails I filed a complaint here on the CFPB website on XXXX XXXX XXXX. Later that week we were approved and told to follow the documentation provided by Ditech to enter into a trail phase of 3 months of a relief mortgage rate. The trial period would be three payment one in each month of XXXX XXXX, XXXX XXXX and XXXX XXXX. After that, we were told that they would finish processing the mortgage relief paperwork and finalize the process. It is now XXXX of XXXX, a full year since we entered into the relief program and it is still not resolved after multiple phone calls all we are told is that they will mark our account for it to be reviewed quickly. It is very apparent that they are dragging their feet in hopes that we can not keep making payments and allowing the debt to collect on the account so they can collect a larger fee or we will be forced into foreclosure. Please help us get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF and COLLECTION accounts on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove this charge off and collection, including this incorrect information from my personal profile. A copy of my Bank Statement, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX . 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Bank Statement as verification of my ONLY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Tn. XXXX You are in direct violation of The Fair Credit Reporting Act ( Capital One XXXX ), has violated several of my rights.

15 U.S.C. 1681 Section 604 A. Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 21 : It also a consumer reporting the agency can not fund an account without my written instruction.

15 U.C.S. 1666B : A creditor may not treat a payment on a credit card account under and open-en consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you are an indirect violation of several laws under The Fair Credit Reporting Act.
Product: Checking or savings account

I created a accelerated savings account at CITI BANK roughly a week ago because of its higher APY. From what I understood I was able to withdrawal these funds if wished. I happened to find a better savings account so I attempted to withdrawal the money back to the original external checking account I used to fund said savings account. It said I was able to do so up to {$10000.00} which was much higher than what I wanted to transfer. In attempting to transfer the money and error message popped up. I was locked out of my account with no access. Reaching out to CITI BANK fraud department they informed me they were closing my account because of the attempted transaction. They gave mw only 2 options to retreive my funds. Option 1 was to wait 30-60 days for a paper check in the mail. Option 2 was to find a branch to withdrawal funds. The nearest branch to me is hundreds of miles away so that wasnt an option. Now my entire savings is locked up for up to 2 months. I have an infant son and these savings are an emergency fund that I now do not have access to because CITI BANK locked them up. This is absolutely outrageous and should be illegal. They gave me no other options but to just sit and wait. 30-60 days to wait and hopefully get my entire savings back. I assume its because I didn't have my money in their account long enough for them to make money off of my money so they steal my money instead for up to 2 months. I am beyond upset at CITI BANK and they should be ashamed of themselves.
Product: Debt collection

So, initially I had four credit cards with U.S.A.A in XXXX of 2019 I realized that with accruing debts needing to be paid would prevent me from paying. I talked with several representatives over phone, via U.S.A.A. chat. I attempted to set up automatic payment plans with the four credit card accounts around XXXX or XXXX, much to my chagrin after two months of believing auto-draft would take, I then became delinquent.
Product: Mortgage

I purchased a residential property XX/XX/XXXX from the buyer of a municipality lien sale conducted by City of XXXX NM XX/XX/XXXX and recorded my ownership in XXXX XXXX NM Clerks office. In XX/XX/XXXX an Assignment of Deed of Trust from XXXX XXXX XXXX XXXX XXXX XXXX was filed in District Court to reopen a mortgage foreclosure. XXXX by Assignment of Mortgage from XXXX XXXX XXXXXXXX to XXXX, XXXX, filed to foreclose. Foreclosure sale was conducted by Special Master Deed improperly notarized XX/XX/XXXX and recorded in XXXX XXXX XX/XX/XXXX as XXXX XXXX XXXXXXXX, owner. XXXX XXXX XXXXXXXX has stated in email to me after months of sending documents proving my ownership, and claim no record of a loan and no knowledge of foreclosure, sale or ownership of the property. PHH purchased RMS 's book of business which included the loan purchased by RMS in XX/XX/XXXX in pooling sale. XXXX XXXX XXXX was entered as Plaintiff in XX/XX/XXXX, by misrepresentation through counsel not hired by XXXX XXXX XXXX  and obtained a ruling which has sold my property illegally. XXXX XXXX XXXX denies any involvement, counsel representing Plaintiff appointed the Special Master and pursued to take my home. I have contacted the SEC, XX/XX/XXXX who is investigating mortgage foreclosure fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am the author of this complaint, there is no one acting on my behalf. This is not a validation of debt request, and no response in that manner is requested, however- if you attempt to, please understand that then I request full disclosure on the method of verification, and sources of such validation, in addition to the disputed items listed below, The Tradeline in question is the XXXX - XXXX, where the following items are incomplete/and or inaccurate. 

1. Date of Last Activity- is Blank, and should not be 2. Date of First Delinquency, is inaccurate and can not be supported by the incomplete Pay History 3. The Payment History is incomplete, and then inaccurately representing this tradelines final state 4. " R '' is never reported in Pay History 5. Comments says Repo, but Payment History does not support this 6. The Date of last Payment is wholly inaccurate 7. The DOFD - FCRA Date - then, is wholly inaccurate 8. Date Closed is BLANK but is required, as per compliance Account says Status Closed - but, payment history and Tradeline data do not support it 9. Charge off amount - is Blank, and can not be when Status - is Charge off - Sold Rules are mandated by Metro2 - XXXX XXXX, Creditor Please resolve the tradeline to be accurate - or delete it. 

Attachments XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My federal student loans through XXXX XXXX were being serviced through XXXX in XX/XX/XXXX through XX/XX/XXXX. I went from being an employed XXXX XXXX XXXX with children to unemployed/not enrolled in school due to an XXXX XXXX diagnosis in Spring of XXXX. I made my institution of higher education aware of my situation, as I was on a scholarship. I was immediately placed in deferment until I was able to return to class. I was never contacted by XXXX that they owned my loans or how to begin payments. I received a letter that they were going to garnish my income tax refund for tax year XXXX in XXXX. I filed an extension for my tax return until I was able to sort out the discrepancy. I contacted XXXX and informed them of my circumstances, as well as explained that I had not received any communication from them about my account at all. I was told I would be immediately placed on deferment by their representative and she requested proof of my income/welfare eligibility. I faxed in everything that was requested. I later discovered that XXXX placed me in a temporary forbearance instead of deferment and my loan amount ( {$4500.00} and {$2200.00} ) gained interest ( {$810.00} ) and was sold to a new creditor. The new creditor contacted me upon gaining ownership of my loans and consolidated my loans into one loan and I owe {$7500.00}. I have 28 late payments reporting on my credit reports in the 24 months they serviced my loans. While my 2 XXXX accounts show as being closed, my student loan is reporting on 3 different accounts- 2 negative accounts being XXXX. XXXX has unfairly and incorrectly reported my history to all 3 credit bureaus for years. Reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit  report does not allow me to enjoy the benefits of good credit and jeopardizes my credit worthiness. I have the right to fair credit reporting and want them to report accurately.
Product: Credit card or prepaid card

My account was transferred from XXXX XXXX XXXX to Goldman Sachs Marcus GM in XX/XX/2022. I had an outstanding balance and on XX/XX/2022 I paid off the balance of {$4800.00} by cashing in a life insurance policy. Goldman Sachs GM sent me an email stating I owed a one time payment of {$46.00} in interest on a cash advance. I asked when was the cash advance and they couldn't tell me. They stated the interest was " floating or transient '' charges. Previous to that they gave me a {$50.00} gift but added it to my regular payment of {$140.00} bringing it up to {$190.00} so they decided the way I was to use the credit. I requested my account and card be closed and it was not honored because I was then charged {$0.00} for a balance of the interest payment due. I paid the {$0.00} on XX/XX/2022 because after speaking with a GS manager we knew that any balance left on my " closed '' account would accrue interest. Now GS sends an email on my closed account " Your My GM Rewards Card statement for XX/XX/XXXX - XX/XX/2022 is now available. This statement includes an important notice to your account terms ''. I am being informed that GS owes me {$0.00} after I was informed to pay or else. I am now being harassed by this fraud bank and I called XXXX to inform them I paid them {$0.00}, cancelled my account and I want nothing to do with them. The customer service person stated she forward the issue up the chain of management that I am refusing to take back {$0.00} in a reversal of what I owed them. This is loop of deceit ran by Goldman Sachs GM where I pay the interest off of unknown charges, they create a scenario by forgiving an interest amount that will keep me owing interest on interest. Please help me. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items that are on my credit report with Equifax, they have continued to ignore my disputes. They have not responded nor investigated these disputes. 
My first dispute was sent to them on XX/XX/2019 which they did not respond to, I gave them until XX/XX/2019 and still no response at which time I sent them a no response including the accounts disputed and a copy of the previous letter I had sent them disputing these accounts. It id now XX/XX/2019 and still no response from Equifax. My rights to dispute accounts reporting on my credit reports are clearly outlined in the FCRA and I demand that they follow the law and as written.
Product: Credit reporting, credit repair services, or other personal consumer reports

While in the process of seeking new living quarters in XX/XX/2018 I had to have my credit ran. I noticed at that time there were some erroneous items on my credit report. At that point I called EACH creditor associated with the accounts. The creditors were unable to verify the accounts and instructed me to call the credit bureau that were reporting the accounts. All three credit agencies instructed me to call the creditors. Once I informed them that I had already spoken with the creditors and they were unable to verify the accounts, I was then instructed to file a police report because it was clear that I was a victim of identity theft. Equifax is reporting these fraudulent items, and have been since XX/XX/2018, and they are listed below. 

1. XXXX XXXX XXXX - {$2600.00} 2. XXXX XXXX - {$1200.00} 3. XXXX XXXX - {$1200.00} 4. XXXX XXXX XXXX XXXX XXXX - {$1200.00} 5. XXXX XXXX XXXX - {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was dismissed with prejudice. Who is going to fixmy credit score? I would like to receive costs for at attorney and defomation and punitive damages etc. Why are there 2 case numbers to the same case? I did not even know about this account. But it does look like XXXX XXXX accepted a payment after they closed the account already.
Product: Checking or savings account

On XX/XX/year> I received an email confirmation that someone successfully opened a checkings account with Chime using my email address and full name. They were also able to add a phone number that was not mine. I immediately called chime to let them know, and was required to provide them with the last XXXX digits of my Social Security number in order for them to locate my account, they confirmed that they have closed my account.

I am appalled that someone can open a bank account using my email without any verification! This is terrible practice and Chime should take more action to reduce fraudulent bank accounts.
Product: Student loan

I have XXXX loans through Great Lakes that are in repayment, aquired while a student at XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, WI. I have been making regular payments on the XXXX of each month for a number of years. On XX/XX/XXXX I made an extra payment online. The website clearly stated that after regular payments are made I can specify funds minus outstanding interest to be allocated how I specified. However on XX/XX/XXXX when I logged in to my account I see that the extra payment was divided between my XXXX loans. I called the service representative who told me that the " billing cycle '' starts the day after the regular payment is made and any payments after that day are applied as regular payments first, then the remaining amount it applied as an extra payment. She informed she could not change how my payment was applied. I requested to speak to a supervisor, which I did. The supervisor again reiterated that their policy is that the " billing cycle '' starts the day after the regular payment is scheduled and any payments made after that day are applied as regular payments first, applied to both loans, then any remainder is applied as an extra payment. Despite my insistence that my regular payment was not due for several more days and so the extra payment should be applied as such she informed that their policy had change recently to reflect the current " billing cycle '' policy. She informed me " no one can change the policy '' or change how my payment was applied. She also stated she had received multiple complaints regarding this policy. 

I would like to note I am aware that extra payments are applied to interest first. I am not disputing that the funds were applied to interest, but also applied to principal of the other loan.
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 and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 




15 U.S.C 1681 section 602 A. States I have the right to privacy. 



15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 



15 U.S.C. 1681s-2 ( A ) ( 1 ) 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