23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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 blocking the erroneous information which 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 FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX  Balance Owed : {$160.00} XXXX XXXX XXXX XXXX  Balance Owed : {$5100.00} XXXX XXXX XXXX  Balance Owed : {$610.00} CHILDSUPPORT XXXX Balance Owed : {$40000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed XXXX {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00} 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> To Whom It May Concern, I am filing this complaint against TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ) and deceptive practices in handling my disputes. Despite submitting all required documentation to validate my identity theft claims, TransUnion has failed to block fraudulent accounts, reinserted previously removed accounts, and refused to correct personal information, causing me significant harm. 
Specific Issues : XXXX. Failure to Block Fraudulent Accounts : * TransUnion has refused to block fraudulent accounts such as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX despite receiving an FTC Identity Theft Report, police report, and proof of identity. 
XXXX. Re-insertion of Previously Deleted Accounts : * Accounts like XXXX XXXX XXXX were removed but later re-added without proper certification or notice, violating FCRA 611 ( a ) ( 5 ) ( B ).

3. Failure to Correct Personal Information : * Outdated phone numbers and addresses remain on my report, despite multiple requests for correction.

4. Deceptive Verification Practices : * TransUnion continues to claim accounts are verified without providing documentation, violating FCRA 609 ( a ) ( 1 ) ( A ). 
Impact : * F

inancial Harm : Denied credit opportunities and financial loss due to inaccurate reporting. * Emotional Distress : Prolonged stress caused by the mishandling of my disputes.

Requested Resolution : 1. Immediate and Permanent Removal : * Block fraudulent accounts, inquiries, and outdated personal information.

2. Compliance with FCRA : * Prevent the re-insertion of removed accounts without proper certification.

3. Monetary Compensation : * I am requesting {$25000.00} for financial harm, reputational damage, and emotional distress caused by TransUnions non-compliance and deceptive practices. 
Supporting Documentation : * FTC Identity Theft Report * Police Report * Proof of Identity * Correspondence with TransUnion * Highlighted Credit Reports Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning. Last week I took advantage of requesting a copy of my free annual credit report. Everything was in order except the inquiry section. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DE XXXX inquired in my credit 82 times between the dates of XX/XX/XXXX and XX/XX/XXXX. I do not have an account with Discover. I tried to contact them by phone on XX/XX/XXXX, and because I do not have an account, the representative could not " help '' me find answers, and they referred me to a credit reporting agency. I tried to call XXXX, but none of the phone prompts would bring me to someone I could speak to. This week I received another mailing from Discover, and because of what I have learned about their inquiry methods, I opened the offer of credit and logged onto a site they referred to in their mailing called XXXX. I am furious that Discover " hit '' my credit report this often and most likely affected my credit score and thus increased interest rates I am paying on legitimate trade lines I have applied for and use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$800.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I paid Navient the monthly payment of {$51.00}. I called them and made the payment on XX/XX/22. When I called, I spoke with a rep, and asked them if I could change the payment date to the SEVENTEENTH ( 17TH ) of each month, as the original payment date of the 2nd, kept falling on or near the weekends. The rep asked me what date I would like to switch the payment date to, and I said, I would like the payment date changed to the 17th of each month. 

The rep and I confirmed that the new payment date is on the 17th and this is verified via the recorded conversation. So imagine my surprise, when Navient disregarded these changes and called my phone several times TODAY. 

Speaking with another rep today, the rep CONFIRMED that the date was changed ( this is confirmed via recording as well. ) Now Navient is saying that the rep didn't put the date in, and the only thing that they can do is have me make a payment TODAY ( Not in the agreement ) to bring my account current, and then they would see if they can change the payment date to the 17th starting NEXT MONTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a natural person and a consumer of the US. I recently reviewed a copy of my consumer report and noticed XXXX unauthorized inquiries. The fact that these inquiries are reporting is fraud and identity theft. Attached to this complaint is the letter i sent to Equifax along with identity theft report.
Product: Credit reporting or other personal consumer reports

I have made several requests to have the negative accounts on my report to be reviewed. XXXX, XXXX, and Transunion is reporting a charged off account thats inaccurate, incomplete, and unverifiable, which is hurting my financial credibility. 1681 ( b ) says I have the right to dispute any inaccurate information on my report. XXXX XXXX  is unverified, incomplete, and inaccurate. I have never been associated with the address this credit card account was created under. The payment history, address, balance, and activity are all inaccurate for this XXXX Account beginning with XXXX
Product: Debt collection

On XXXX XXXX, 2022, I the consumer contacted ABILITY RECOVERY SERVICES LLC to send me proof that validates I have some contractual obligation to pay ABILITY RECOVERY SERVICES LLC. I received this response to my complaint made against ABILITY RECOVERY SERVICES LLC on Acct # XXXX : ABILITY RECOVERY SERVICES LLC is continuing to report on my credit profile alleging Acct # XXXX was verified pertaining to an alleged debt for {$2200.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing Acct # XXXX is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. Failure on ABILITY RECOVERY SERVICES LLC behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, Capital One, and Kohls Capital One. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$800.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. The Account Opened is Kohls Capital One Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Money transfer, virtual currency, or money service

I sent money to a friend on cash app and they never received it. It show in there cash app but when try to retrieve it the couldnt and also could send it back when I request it. When I made a claim to cash app they did there investigation and said the person got the money, but they never received it. This happen XX/XX/year> 2024
Product: Debt collection

On XXXX XXXX I disputed item for Toyota Motor Credit in the amount of $ XXXX.On XXXX XXXX I sent out debit validation letters, On XXXX XXXX I mailed certified letter information about debt.On XXXX XXXX mailed letters to attorney general with log sheets of actions taken.Under the Fair Credit Reporting Act the specific obligations was not met due to that the item should have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the same fraudulent accounts that are showing up on my consumer credit report more than 8 times with the same lenders. I have sent them an FTC identity theft report, Police report, Affidavit of fraudulent information and proof of being in a rehabilitation facility and these accounts are still reporting. 

Capitol One : Date Opened XX/XX/XXXX. Amount of {$450.00} XXXX XXXX XXXX : Date Opened XX/XX/XXXX.
Product: Student loan

Three separate times in the last three years I have re-uploaded my Public Service Loan Forgiveness recertification. This is the re-certification that would put me over the 120 months needed to qualify for forgiveness. My account has not even been looked at ... in three years! I have tried calling multiple times but face hours on hold. I have emailed their customer service with no response. I keep re-uploading the certification as each time I log in to check progress, it is like I never uploaded it in the first place. This is quite frustrating as I have done everything on my part to complete the PSLF program but if they won't even acknowledge my recertification in three years, what is the point. Interest continues to accrue, and it is incredibly frustrating as this recertification is what I need to fulfill the terms of PSLF. I have over {$100000.00} in student loans in the balance until they finally address my account.
Product: Mortgage

I'm submitting this complaint in regards to multiple delays in trying to remove my PMI with PHH mortgage. I calculated that I should qualify for PMI removal during my XX/XX/XXXX payment and called the company around XXXX XXXX requesting removal. The agent said they would send a letter in the mail with my eligibility and next steps. I waited about 13 days and then contacted the company again by email to see that status ( XX/XX/XXXX ). I received no response. The next day ( XX/XX/XXXX ) I contacted the company by phone and the agent said the request was still 'processing ' and to call back if I hadn't received anything in a couple of weeks. I called back today ( XX/XX/XXXX ) and the agent said there wasn't a request in for the PMI removal and it would be another 7-10 business days before they could start the process. The delay on their end is going to cost me at least {$110.00} and the company also said a new appraisal would be required to remove the PMI, even though my payments have been in good standing and we got an appraisal about a year ago.

I feel like PHH mortgage is putting up hurdles for removing PMI, in order to make more money off of me.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Immediate Blocking of Inaccurate Account Account Name : XXXX XXXX Account Number : XXXX Dear Equifax and CFPB XXXX I am writing to express my serious concerns regarding the inaccuracies, misleading information, and outdated data present in my recent credit report. This report has not only caused confusion but has also posed potential harm to my financial standing. I request that this account be blocked immediately due to its numerous violations of consumer protection laws. 

The following inaccuracies are clearly evident in the report : XXXX. **Misleading Information** : The report includes ambiguous terms such as " Account not disputed '' and " Account reported as a transferred or loss by credit grantor, '' without providing necessary context. This lack of clarity can mislead consumers regarding their credit situation. 

XXXX. **Outdated and Unverified Data** : The report lists inconsistent credit scores ( XXXX XXXX, XXXX XXXX, Equifax XXXX XXXX without clear indication of when this information was last verified. Such outdated data violates the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reports must be accurate and up-to-date. 

XXXX. XXXX Account XXXX : The report mentions various account statuses and payment histories but fails to provide sufficient details, such as the date of last activity and a clear account status. This omission violates the FCRA 's requirement for completeness and accuracy. 

XXXX. **Inaccurate Payment History** : The payment history reflects derogatory marks that do not accurately represent my payment behavior. The FCRA protects consumers from the reporting of inaccurate information that could unjustly affect their credit scores. 

XXXX. **Lack of Transparency** : Terms such as " Creditor Type, '' " Account Type, '' and " Payment Status '' are presented without adequate explanation. This can confuse consumers and is contrary to the principles of transparency mandated by the FCRA. 

XXXX. **Potential Violations of XXXX : The report includes potentially sensitive information without clear security measures in place. As per the Gramm-Leach-Bliley Act ( GLBA ), consumers have a right to privacy and security regarding their personal financial information. 

Given these significant concerns, I kindly ask Equifax to take immediate action to block this account from my credit report. The inaccuracies and misleading information have the potential to cause substantial harm to my creditworthiness and overall financial health. 

I urge the Consumer Financial Protection Bureau to investigate these practices and ensure compliance with all applicable consumer protection laws. 

Thank you for your urgent attention to this matter. I expect a prompt response and corrective action regarding my request to block this account. 

Sincerely, XXXX XXXX XXXX : XXXX
Product: Money transfer, virtual currency, or money service

PNC does not allow Plaid to verify accounts. This means Im unable to link my bank account to many different applications, such as XXXX. I had a {$500.00} emergency fund that I couldnt transfer
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

XXXX payment was reported late. This is not true. I've had this loan for two years ad never was late not one time. Payment was taken off of account for auto draft and was reported late. Can this get resolved ad take off as a late payment. I'm a great customer ad would not let this happen again.
Product: Credit reporting, credit repair services, 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. 

Account Name : 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 has violated XXXX 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.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX SRV # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

To : SPS and Equifax XXXX/XXXX/2016 From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX You are showing my account with SPS in collections this is not the case the house has been sold. 

See sale docs and the letter from SPS that satisfied the loan in it 's entirely. PER YOUR LETTER!!! 

I am failing a complaint with the CFBP because I have asked that this be corrected more than ten times and I have been ignored. 

The loan should be displayed as paid as agreed per contract and the release send to me per your letter!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off one loan with XXXX XXXX but on my credit report it still shows me owing over {$3300.00} on the loan and the account has not been updated in five months. Another load shows me owing over {$9000.00} when I actually owe less than {$4000.00}. I have contacted all three credit bureaus to try and address this issue with no result. I requested a loan satisfaction document from XXXX XXXX which I have never received. 
None of these agencies are responsive in any way. Instead of addressing your complaint they bombard you with emails for " credit protection services ''. I am now into my second month of trying to get this simple issue address and have made no progress so far. Since the consumer " does not own their credit '' the agencies that manage it should be responsible for reporting accurate information. This is definitely not the case. The government continues to let banks write laws governing their own behavior with no consideration on how it will impact the consumer. I guess if I could buy as many senators and congressmen as XXXX XXXX I wouldn't be having this problem! 
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Product: Checking or savings account

I am writing to file a complaint on Navy Federal credit union regarding multiple overdraft fees I have occurred. despite having sufficient funds when the transaction was authorized. I was charged overdraft fees due to lagged postings of charges and credits. This issue aligns with the cfpb finding against Navy Federal credit union for similar practices. I feel like this practice was unfair. Every request an investigation into my transactions.