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

On XX/XX/2021 I submitted a complaint number XXXX which complaint indicated that my EQUIFAX credit report contained a second Social Security number which I have never had and I wanted it to be removed. Within a few weeks of my filing the above complaint the matter was resolved and the second Social Security number was removed from the Equifax file. 
A recent review of my Equifax credit file indicates the following : Other id : XXXX Social Security # Variation, Reported : XX/XX/2021 As the above indicates once again a second Social Security number has been posted to my account after Equifax verified and removed it previously. The Equifax security system is not working. It improperly posted once again the same incorrect information after having previously verified it did not belong to me I would like this false Social Security number removed and some confirmation that Equifax can in fact secure my credit information from false postings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be aware the third party debt collector XXXX sold the account to found the account to be fraudulent. They have removed the items from my credit files, but XXXX has not taken the steps that are required by law to remove the account once it was found to be fraudulent. XXXX is violsting my rights. XXXX needs to remove the account from the credit companies they report to. I attached the third party debt collectors response to my complaint.
Product: Debt collection

I am not sure of the exact date but it was about 2 weeks ago. Convergys ( collecting for XXXX ) called my father and after he told them that he was not me they still continued to verify sensitive information like my social security number. I had set up a payment plan but fell behind because they told be that it would n't hit my credit report if I paid ( they told my wife ) something monthly but it did. This company is horrible and I feel my rights were violated because they gave my sensitive information out.
Product: Checking or savings account

This is a response to complaint ID " XXXX '' In that complaint I wrote My wire of {$27000.00} was blocked from leaving on XX/XX/XXXX. They closed my account on XX/XX/XXXX and said they would need XXXX days to send me a check from my closed account. After a complaint to OCC they responded with Upon receipt of your inquiry, a thorough examination of our records and the circumstances surrounding our decision to terminate your account was completed. Per your deposit account agreement, Citibank reserves the right to close an account at any time and for any reason, with or without cause. Based on the way the account was being utilized, we are no longer able to service you as a customer ; therefore, your account has been closed. Our position on this matter remains unchanged. Our records show there are no remaining funds due to you. You can view your Deposit Account Agreement here or you can obtain a copy by speaking with a banker in a branch, by calling the phone number on the back of your Citibank Banking Card, or by calling XXXX ( XXXX ). Our records show that the wire in the amount of {$27000.00} requested on XX/XX/year>, was cancelled because your account was blocked. They claim I am owed no funds, but my wire transfer amount of XXXX was blocked from leaving the account. That is my money that I have not been able to access. 

Since then they have requested that I " During our conversation you also indicated that deposits were made into the account in which you did not receive funds for. We ask that you can reach out to the makers of your check deposits and have them file claims with their bank, to attempt to have the funds recalled. 
" I have attempted to recall the funds through the makers of the checks, but their banks have informed me that since the checks were " authorized '' by the makers of the checks and that the checks cleared with no problem that this is out of their hands and it is up to Citi to return my funds.
Product: Student loan

Please see complaint # XXXX. 

Sallie Mae Bank was lender in XXXX  ( When XXXX. XXXX Bankruptcy was filed ). Switched to XXXX XXXX. 

Lender has since changed twice in 8 years. This SHOULD HAVE been removed by Sallie Mae Bank back in XXXXBut they just passed it to next lender who is just as non-responsive as Sallie Mae was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted certified letters and documentations to the XXXX XXXX XXXX and the 3 major credit bureaus. I paid the 2 accounts and was told they would delete. Theses 2 accounts were charged off XX/XX/2018 and the creditor is reporting that I have 27 charge offs on my account. I was told by XXXX XXXX XXXX that I needed to send a letter to them to ask them to " delete my Consumer dispute '' and they would be able to fix. I sent letters and have not received a response. I've disputed them. Equifax and XXXX show Paid and 27 charge offs, XXXX show no payment history. I've received numerous letters from XXXX XXXX XXXX stating they don't know what I am disputing. This is very conflicting with what answers I get. I am following everything the bureaus are asking as well as XXXX XXXX XXXX.
Product: Checking or savings account

On the day XX/XX/year>, after attempting to use XXXX to pay my rent amounting to {$760.00}, my access to my account was blocked without any explanation, and my money got trapped in my now-inaccessible account. I have contacted the customer service line and the fraud department several times, and they explicitly refused to answer every time. This put me in a tough spot as I needed to use that money at the time, and I still need my money back. Please help
Product: Checking or savings account

On the XXXX of XX/XX/2021 my Sister sent me the sum of {$15000.00} to my Discover bank account, she was debited but I wasnt credited, I tried to find out what happened by calling discover customer care line, but they said they were verifying .. fast forward to XX/XX/2021 I still havent received the money and the money wasnt refunded back to my sister Bank name : Discover Bank Account name : XXXX XXXX Account number : XXXX Routing number : XXXX
Product: Credit card or prepaid card

My credit card was restricted for no explanation from Wells Fargo, and I need to unblock it.
Product: Debt collection

1099-c and had documentation to collect money from money owed from a company through court order and wells fargo refused to open the dispute back up in order to receive my from company to repay remaining balancE off
Product: Checking or savings account

I am writing to file a complaint against navy federal regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to the lagged posting of charges and credits. This aligns with the recent CFPB findings against navy federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Violation of Consumer Rights under 15 U.S. Code 1681c-2 I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter.

Details of the affected account : ACCOUNTS WILL BE ATTATCHED BELOW I have previously submitted a detailed report of identity theft, along with supporting documentation Despite this, I have observed that the information related to the fraudulent account is still being reported on my credit file.

Section 1681c-2 of the Fair Credit Reporting Act explicitly outlines the rights of consumers in cases of identity theft, emphasizing the obligation of credit reporting agencies to block the reporting of information resulting from identity theft. It is my understanding that credit reporting agencies are required to promptly block the reporting of inaccurate information resulting from identity theft.

I am deeply concerned that the continued reporting of this fraudulent account is not only damaging my credit standing but also infringing upon my rights as a consumer. I am seeking immediate action to rectify this situation and bring my credit report into compliance with the provisions of the law.

I kindly request that you conduct a thorough investigation into this matter and take immediate steps to block the reporting of the fraudulent account on my credit report.

I trust that you will prioritize this matter and work diligently to rectify the violation of my consumer rights.

Thank you for your prompt attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX I mailed a certified letters to Trans Union demanding them to verify accounts by providing ME a signed copy of the original contract of the following accounts or remove them immediately. 
1. XXXX XXXX XXXX. 
2. XXXX XXXX XXXX XXXX. 
Section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it ) which have not been provided to me. Under the FCRA, if you can not provide me proof of this information, this must be removed immediately.
Product: Credit reporting or other personal consumer reports

An account from XXXX  is still on my credit report and all 3 bureaus. It appears closed on XXXX and paid in Experian and XXXX which is inaccurate. This appears as XXXX card.
Product: Mortgage

An Escrow Analysis statement was posted to my online account. As part of the Analysis SPS stated thqat my property insurance annual cost was now {$4900.00} however my property Insurance cost through XXXX is only {$3200.00} annual thus SPS is over charging me pwer theanlysis {$1600.00} annual more than the cost of my insurance. in Doing tthis they increased my monthly mortgage payment from {$3300.00} per moonth to {$3500.00} which is simply overcharging me I want this fixed immediately as its overcharging me a significnty amount of moneya $ XXXX  monthly increse cost equals {$2800.00} which is even more per month in cost than the $ XXXXfalseincreasein the premium for our propert incurance. All of this is just crazy as again my property insurance bill annual is {$3200.00} I haveattached a XXXX of my XXXX annual homeowners insurance policy premium.
Product: Debt collection

I signed a copier lease as the owner of my previous company, XXXX XXXX XXXX financial and insurance services with TIAA. I closed my company on XX/XX/2021 in the midst of the corona virus crisis. While there were still lease payments remaining on the lease, TIAA abandoned the property. I offered to return the copier to them and to return the unused cartridges. TIAA refused saying that my copier was too old and told me to simply throw away the copier and cartridges which I did. Now, over 1 year later, they have turned me over to a collection agency and told me to deal with them on the remaining lease payments. I have closed my business and there are no assets remaining in the business. The lease contract was in the name of my business and not in my name personally. Yet, they are trying to collect a debt that is not owed by me and for property that they abandoned.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I do not go by any other names. remove these names from my report as they're incorrect.DANATE XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. My address is 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 
Please update this information on my credit. I have provided my drivers license in the attachments.
Product: Credit reporting or other personal consumer reports

Kick off, sent me the document stating that the information provided in the documents is a valid digital signature giving permission on the date reported start date of account. I requested that all of the information in the documents me verified as % XXXX Accurate and complete without withholding information. 

Kick off refused to identify that they are not withholding information and didn't provide a clear statement identifying that the proof of digital signature provided in document with contract is infact % XXXX accurate and complete.
Product: Mortgage

Selene is the 2nd mortgage on this property. The 1st mortgage is with XXXX and has a foreclosure date set for XX/XX/21 that was postponed from XX/XX/21. 

On XX/XX/21 a short sale offer package was submitted to Selene. This offer would pay off the 1st mortgage with XXXX in full and provide quite a bit of funds to Selene toward their mortgage balance. If nothing is done XXXX will complete the foreclosure and likely eliminate Selene off the title with no or very little funds going to Selene. 

I have called every few days since XX/XX/21 and told numerous times that there are no notes on the file and reps pointed out the XX/XX/21 foreclosure date. Each time I pointed out the foreclosure date was XXXX 's date not Selene 's and that it had been postponed. 

Numerous times I am told that internal messages have been sent to the short sale dept to get back to me. I receive no calls or emails. 

Now I am told that on XX/XX/21 a letter went to the homeowner stating a short sale could not be approved because foreclosure is too close. Since CFPB regulations state that the servicer is to make a good faith effort to review a workout request if it is received more than 37 days prior to a scheduled foreclosure date, then this emails states that either Selene is ignoring those regulations and has failed to notate the correct foreclosure date. 

As of today XX/XX/21 Selene 's representatives tell me their system does show the foreclosure is in XXXX. So there is clearly enough time for Selene to review this offer for the homeowner.
Product: Credit reporting, credit repair services, or other personal consumer reports

ln accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I received a notice that I am being sued for debt collection by Portfolio Recovery Associates, LLC on a closed/and or charged off amount on a XXXX XXXX  ( XXXX ) credit card and must respond/appear in court in 19 days. I have been XXXX by a judge and only receive XXXX benefits and can not drive to appear in court, Account opened in XX/XX/2010, state of Texas, amount {$1600.00}. Any advice on this matter is appreciated,
Product: Credit reporting or other personal consumer reports

XXXXTransUnion LLC** XXXX XXXX XXXX XXXX, PA XXXX XXXX : ** Urgent Dispute of Reinstated Missed Payments on Credit Report To Whom It May Concern, I am writing to formally dispute the reappearance of missed payments on my credit report associated with XXXX XXXX XXXX XXXX credit card accounts. These missed payments were initially removed after a dispute, and I received the updated results from TransUnion on [ XX/XX/XXXX ] confirming their removal. 

However, on [ XX/XX/XXXX. XX/XX/XXXX ], my credit report was inexplicably updated, and the same missed payments were reinstated. This action is not only incorrect but also appears fraudulent as it contradicts the resolution provided in the dispute results I received. I have proof of the original dispute results showing that these missed payments were removed, which I am prepared to provide. 

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to have accurate information reported on my credit file. The reinstatement of these missed payments is a clear violation of this right. I am requesting that TransUnion immediately remove these inaccurate missed payments from my credit report and ensure that they are permanently deleted. 

Please confirm in writing that this matter has been resolved. Additionally, I request that you provide me with an updated copy of my credit report showing the removal of these disputed items. 

Thank you for your prompt attention to this matter. 

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

I have not supplied proof under the doctrine of XXXX  by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit card

Dear CFPB, I am writing to address the response from Capital One dated XX/XX/year>, regarding my complaint. In their letter, Capital One stated that my allegations of discrimination were not substantiated. However, I would like to clarify that in my original complaint to the CFPB, I did not raise concerns about discrimination as the reason for my credit limit increase denial. 

Capital One also provided a list of reasons for the denial, which I find problematic. I disagree with their reasoning because the factors mentioned were already present in my credit report when I was initially approved for credit with Capital One. If these factors are an issue now, it raises questions about the fairness and consistency of their underwriting process. 

I respectfully request that Capital One provide a clear and specific list of items, beyond what is already reflected in my credit report, such as missed payments or other relevant factors, that are preventing the credit limit increase. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XX/XX/year> As required by XXXX5 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC Subject : Insufficient Debt Validation, Unauthorized Re-reporting, and Lack of Licensing in Louisiana Account # XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am writing in response to your recent correspondence regarding the alleged debt referenced above. I previously requested proper validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ). However, the documents you providedmere copies of billsdo not constitute sufficient validation. 

Additionally, I have noticed that this account has been re-added to my credit report, despite it being previously disputed. Re-reporting a disputed or unvalidated debt may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

Furthermore, upon investigation, I found that LVNV Funding LLC is not licensed to collect debts in the state of Louisiana. Louisiana law requires debt collectors to be licensed in order to legally operate within the state. Since you are not licensed, you have no legal right to collect any debt from me.

Immediate Actions Required : Provide proper debt validation, including : A copy of the original signed agreement that created the debt. 
Proof that LVNV Funding LLC has the legal right to collect this debt ( including a copy of the original creditors assignment of the debt to LVNV ). 
A full account history with an itemized breakdown of the balance. 
Proof that the statute of limitations has not expired in Louisiana. 
Immediately cease all collection activities, including phone calls, letters, and credit reporting, as you are not licensed to collect in Louisiana. 

Remove this account from my credit report, as its re-reporting is potentially unlawful. 

If you fail to comply, I will not hesitate to file formal complaints with : The Louisiana Office of Financial Institutions for unlicensed debt collection. 
The Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) for violations of the FDCPA and FCRA. 
The credit bureaus ( XXXX, XXXX, and XXXX ) demanding removal of this unverified debt from my report. 
You are hereby notified to cease all collection efforts immediately unless you can provide proper legal validation of this debt. If I do not receive a written response within 30 days, I will escalate this matter. 

Sincerely, XXXX XXXX XXXX XXXX
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 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 XXXXXXXX, 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: Debt collection

I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 

I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as date and place this account was opened and information regarding the payment history as this account is unknown to me, i have no records of owning this account.