23daVinci/CFPB_Complaints huggingface dataset:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below Creditor Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion, XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnionXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$5300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$5300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Had several incidents where I would deposit money through the atms and the money would be tooken and not show up in my account until they did an investigation.
Product: Mortgage

To Whom It May Concern : SLS has perjured itself in its most recent response. The lien they are trying to collect IS a zombie second mortgage by definition. The attached documentation ( Contact History ) from SLS shows that they have not been in contact with us since XXXX until their most recent push to collect on the XXXX in XXXX. 

Even though SLS informed us that they would restart sending us monthly statements in a letter from XXXX ( Monthly Statements Requirement ), we have not received any monthly statements since XXXX. 

Furthermore, SLS charged off the account in XXXX, but SLS continued to charge interest and fees to the account from XXXX to present. 

Thank you for your time and attention to this matter, XXXX XXXX P.S. If you are the SLS employee reading this letter, you can anonymously report any suspected criminal activity by SLS at XXXX or you may contact the office of the Attorney General of the Commonwealth of Virginia at ( XXXX ) XXXX.
Product: Credit reporting

The account listed as an open collections account listed under XXXX in the amount of {$860.00} is incorrect. This account should have never been placed in collections to start with. Also, it was disputed in XXXX/XXXX 2014 and to be removed at that time. As you can clearly see from the attached documentation, I do not, nor have I ever owed this money. My health insurance plan at the time offered a {$1000.00} XXXX discount with XXXX XXXX XXXX ( original creditor ). This left me a balance of {$320.00}. I was told by XXXX that I only needed to pay {$300.00}. My cancelled check is attached as well. Please remove this account from my credit report.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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 writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention, and Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and I have a loan with AQUA FINANCE INC with the account number XXXX but I was never late on making my payment. However, the 30 days late which was tagged in different months. It was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.
Product: Mortgage

When NationStar ( " Mr. Cooper '' ) brought my mortgage from XXXX my monthly payment was {$1100.00}. Then they increased it to {$1200.00}. As of today, my monthly is {$1.00}, XXXX, XXXX. I did not know until I sent my regularly payment of {$1.00}, XXXX. They sent me a letter stating that payment went up and I have to send them the difference. I called them. There was an argument telling them I did not receive any notification about payment increasing. The Operator was rude and sarcastic. Next day, I called again. I demanded to speak with supervisor. None of them were available. After a week try, I got a hold on to a lady who told me she was working for escrow. I did explain to her I could not effort to pay the new monthly stating I am the only income in the house and that my wife for the past 6 years she has not been working. She sent me to another department. That lady asked me if I want a modification. I said yes and her replied was a kind of confirmation reply when she said it would be hard them to do my modification. Since two weeks passed I have been calling almost every day to have a word from the designed loan specialist XXXX XXXX or any from financial department that the modification went through. Finally, they told me to send them my pay statement, XXXX, etcetera ( enclosed ) Since XX/XX/XXXX  to XX/XX/XXXX it has been a battle between them and me. Always they are saying they need my 30-day consecutively pay statement or something else. I have seen sending all these information since XX/XX/XXXX.  I keep repeating until I receive another from department demanding a quickly reply about payment. I noticed he did not a thing about XXXX XXXX or the modification process.
Product: Checking or savings account

I have two Chase checking accounts. I needed to make a payment to XXXX as quickly as possible to get money on the card for my child who was traveling. When I authorize the payment to XXXX Card the balance was well above the {$500.00} that I authorized. However Chase allowed another payment to another vendor to go through. On XXXX side they attempt the {$500.00} payment twice before they cancel it, and during this time they don't allow me to make any other payments. Chase is essentially saying that I should have known that the balance reflected on the mobile app is not accurate, that I should have known that an automatic payment to the third vendor was going to occur at the same time and that they can't help me. Essentially they admitted that the balance shown in real time on the mobile app is not accurate.
Product: Student loan

XXXX XXXX XXXX University has engaged an outside party called https :  XXXX XXXX XXXX to provide students with XXXX IRS TAX FORMS. Heartland.ECSI.net   .suckered me into making an account with them that I can not delete. They will not provide a delete account option. Their phone and online chat wait time is so long it is unbearable. Is it University outsourcing? I do not know but this is the second University to do this to me this week. XXXX XXXX XXXX University made me submit my personal documents to an organization called XXXX, which also will not let me delete an they tricked me into making. I do not know who in the State of South Dakota is making these horrible outsourcing of Univesity data and personal privacy but IT MUST BE STOPPED IMMEDIATELY.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on XX/XX/2020, I am not sure how this happened. I believed I made my payments to you when I received the statements. My only thought is that the statement did not get to me.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, XXXX, and TransUnion immediately block and remove fraudulent accounts appearing on my consumer credit report. These accounts were opened without my authorization due to identity theft, and under this law, the credit bureaus are legally required to take action within four ( 4 ) business days of receiving this complaint.

Fraudulent Accounts : I have identified multiple unauthorized accounts across XXXX, XXXX, and TransUnion. I did not open, authorize, or have knowledge of these accounts. Despite previous disputes, these fraudulent items remain on my report, causing financial harm. 

Fraudulent Accounts to Be Removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX ( Not mine remove immediately ) XXXX, XXXX Account XXXX ( Unverified late payment remove or provide proof ) XXXX  Account XXXX ( Must be validated per Metro 2 Compliant Standards or deleted ) XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) Account XXXX ( Fraudulent collection remove immediately ) XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ) Account XXXX ( Unproven claim validate or remove under FCRA ) XXXX XXXX XXXX XXXX XXXX ) Account XXXX ( Not mine remove immediately ) XXXX XXXX XXXX  XXXX XXXX ) Account XXXX ( Potential HIPAA violation validate debt or remove XXXX XXXX  Accounts ( XXXX XXXX Account XXXX ( Not mine remove immediately ) XXXX XXXX Account XXXX ( Incorrectly reported late payments update to paid as agreed ) XXXX XXXX  Account XXXX ( Unverifiable history delete immediately per FCRA 611 ) XXXX XXXX  Account XXXX ( Fraudulent remove from report ) XXXX XXXX XXXX XXXX XXXX ) Account XXXX ( Mistaken identity my parent has the same name ) XXXX  XXXX ( CAPITAL XXXX ) Account XXXX ( Remove from public record ) These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of my consumer FICO credit report, which shows the aforementioned fraudulent items.

I do not recognize the fraudulent accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me, and they are all the result of identity theft and fraud.

To support this claim, I have attached a copy of my FTC Identity Theft Criminal Complaint ( Case XXXX XXXX XXXX as official proof from the U.S. Federal Trade Commission confirming that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

We have a loan w/Ditech XXXX. XXXX  XXXX XXXX XXXX SD XXXX XXXX for our RV and we have moved from XXXX  to XXXX  and need to register the vehicle. The state of XXXX  needs an original title to the vehicle to register. Ditech will not comply with this. So we are paying on an RV now that is not legal in the state of XXXX because Ditech refuses to send an original title to the XXXX  XXXX County Title Office. 

XX/XX/18 went to XXXX XXXXk County Title Office @ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to get a temp plate where they request an original title to complete the plate registration in XXXX  Ditech never complied. Went back to the XXXX XXXX County Title Office on XX/XX/18 the BMV submitted the request to Ditech via Fax. 

Ditech never complied. Went to back to XXXX XXXX County Title Office on XX/XX/18 and the person at the XXXX  XXXX County Title Office spoke to a Ditech representative named XXXX explaning the XXXX   law of needing an original title to register the RV. They indicated they were going to send it directly to my home. Never rec 'd it. 

We have followed up with Ditech twice on XXXX and twice on XX/XX/18 and XX/XX/18 regarding this matter of the title. We never get the same Ditech representative again when we call and as we explain the matter to them they basically go silent and we don't even know if they are still on the line, till we ask if they are still there. 

All we want is the original title sent the to the XXXX XXXX County Title Office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX so we can get this RV registered in the state of XXXX. 

XXXX and XXXX XXXX
Product: Mortgage

I am shopping for a new home and submitted an offer for purchase for a local property. One of the stipulations before the offer would even be accepted for consideration was that I obtain a prequalification letter from a specific lender. As a bank employee with stellar credit and virtually no debt, it was MUCH easier for me to become prequalified with my employer ( they have my existing mortgage, all my bank and investment accounts, and access to my income records ). Long story short, I feel like this is coercion and thought this was illegal. In speaking with a representative at the NC board of realtors, they say it is not illegal at all. Wanted to bring this to your attention. Needless to say, I did not proceed with the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX .... 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Mortgage

Due to hardships, was unable to make the XXXX XXXX payment of XXXX to Chase bank. Applied for a modification. 3 1/2 years later, I finally get XXXX where the " trial Payments '' of XXXX are expected and XXXX is due on XXXX XXXX. 

Ridiculous. 
1 ) Why the 3 1/2 year wait for the mortgage company to perform? 
... and yet ... 
2 XXXX I only have 30 days to perform? 
further, who makes these crazy underwriting decision?? 
3 ) how come during the mediation process here in Delaware, I am only just finding out that my loan was really thru the XXXX and that Chase Bank was the " agent '' bank and I originally thought back in XXXX that my loan was only thru Chase bank? Sounds shady. 
4 XXXX Why were these docs asking for monthly payments of XXXX not sent certified mail? No ... .they were sent to me regular mail! Would I have been still been held accountable if I had never got them?? 
5 ) What is even more crazy is that I received a " modification '' on my loan back in XXXX. But I know this was n't really a " modification '' ... this was really a forbearance. Why? Chase wanted XXXX just drop my very original payment from XXXX to XXXX! I was laid off in XXXX and again in XXXX and my payment only dropped by XXXX if they received a whopping sum of XXXX dollars?!! Unbelievable. 

6 ) I also want to know why the original loan amount on the loan was roughly XXXX when, after some research, I discover that this newly built home in XXXX was sold to someone else for only XXXX, but some unknown reason ... .they original buyers back out of the loan. How did the balance go from XXXX to XXXX? 


7 ) WHAT ARE THE TERMS OF MY LOAN AFTER MY " TRIAL PERIOD '' IS SUCCESSFULLY COMPLETED? WHAT HAPPENS AFTER THE TRIAL. I HAVE NO IDEA WHAT I AM GETTING MYSELF INTO YET AGAIN!!!!!! 

8 XXXX Why am I being told XXXX different things : For example, I hear from everyone, " The bank does n't really want to kick you out of your house. '' Yet, I get paperwork in the mail touting the word " foreclosure '' like it was no big deal to them. Why the XXXX different messages? 

This is my complaint. I deserve clear easy to understand answers. 

I want clear answers to my questions.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the items listed below 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 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 XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance XXXX {$8300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  Balance : {$350.00} XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX  has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. XXXX XXXX XXXX XXXX : {$2500.00}
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - XXXX
Product: Credit card

I called the XXXX XXXX XXXX XXXX to ask why I was being charged XXXX and XXXX when I have gotten my credit as of yet. They said they had closed the account and were charging me the XXXX fee for the card and an additional amount of XXXX. 
I also asked them to remove any negative remarks about my credit bureau
Product: Debt collection

Ive been trying to call this company long time ago till I got in touch with them I proceed to ask them for proof that they can operate in Florida ( if theyre licensed ) and they refused to answer and provide information. Also asked them to send me FLORIDA STATES DISCLOSURE For the Florida debt collector practices and they also refused. 

I also proceed and asked them proof VIA EMAIL ( as they told me It could be done ) that is me the right person theyre looking for and they refused to provide me with the information.