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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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: Mortgage

I am behind one year in payments I sent 3 checks {$8000.00} each total value of XXXX on XX/XX/23 via mail Phh mortgage services received my checks but are not applying it to my account when I reached out to them they told my they will look into it I spoke to escalation manager who told me I have to pay an additional {$850.00} because the minimum they could accept from me is {$24000.00} i was told if I paid the {$850.00} with bill pay they will apply all. He said he would be handling the case and I will receive a call from him send the {$850.00} through bill pay and they sent it back when I called they said because the bill pay amount was not the full {$24000.00} that why it was sent back I sent a check for the {$850.00} through overnight mail on the XX/XX/23 the mail was delivered I called them today XX/XX/23 the day the days he was suppose to call me back and was told they have mycheck for {$850.00} but I have to wait on a call from the manager I don't understand why they don't apply the checks they have or send them back everyone I speak to from this company is speaking to me from another country I need help in this matter because have my money to bring my mortgage up to date and they are not doing so
Product: Credit reporting or other personal consumer reports

These inquiries that I am providing in the attached identity theft profile are not authorized. I have asked these inquiries be removed from my credit profile, but the bureaus have not done what I asked.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$19000.00} XXXX XXXX  Balance Owed : XXXX XXXX XXXX  Balance Owed : {$740.00} XXXX ** Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed inaccuracies that requires immediate review and correction as is my right under FCRA 15 USC 1681 ( i ). This letter is a formal dispute and request for a procedural investigation. the company this letter is addressing is XXXX XXXX with the account number XXXX thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like have the following unauthorized inquiries removed : XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was notified my info was breached in the XXXX XXXX BREACH and I promptly filed an FTC AFFIDAVIT and reached out to the credit bureaus.

In accordance with the Fair Credit Reporting Act. The List of accounts below and credit bureaus has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

XXXX XXXX {$10000.00} at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00} address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The above accounts were deleted from the XXXX and XXXX but TRANSUNION has continually violated my rights still not having my correct info and has refused to help.

The reporting must be accurate and verifiable. TRansunion has blatantly and illegally have been committing fraud against me by stating they have verified and everything is accurate.

Why do my report still show accounts and addresses not mine even after there is proof your company has mislead me. I am also unable to acquire any free credit reports because TRANSUNION and XXXX systems is always down. 

I want those accounts removed and my correct info be on my report. 

Delete this address. This is a office building but.yet you have it as my previous address.I have never lived there. 

XXXX XXXX XXXX XXXX, ND XXXX My correct info. 

XXXX XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have attached a copy of my credit report to show your blatant viloations of my consumer rights reporting accounts not mine, addresses, and improper reporting of the accounts.. 

I want the accounts deleted and correct info be on my report. 
or I will be forced to take legal actions for the headache and frustrations, along with monetary loss I have endured for over a year!
Product: Debt collection

Portfolio Recovery Associates purchased an account from XXXX and filed a lawsuit against me for {$1200.00}. 

I requested key information from PRA during the discovery process, including what was purchased with this alleged account and what processes are in place at PRA to ensure the accuracy of the accounts they are purchasing. PRA was evasive and did not provide answers.

I denied ownership of this account in court proceedings. When the court ordered arbitration, PRA dropped the case.

I have begun the process of following all the steps for identity theft with this account. This was communicated to PRA via email on XX/XX/2024. 

PRA has several obligations under the FDCPA and FCRA, including deleting this tradeline from my credit report and ceasing collection activities.
Product: Student loan

I received delinquency notices for my account, however, I have been paying over the amount required of me. To submit a payment I click on their custom pay option, enter the amount I would like to pay, select all loans, then select direct over-payment to highest interest rate loans. My monthly payment due according to my monthly statement ( attached ) is {$860.00}. I have been paying {$1000.00} ( {$500.00} biweekly ) since XX/XX/. Before that I was paying {$1800.00} per month ( see attached payment history ). I should not have a past due amount. 

I spoke with customer service on XX/XX/ and they informed me that they would send my account to be reviewed for possible issues. I explained that if I am submitting my payment incorrectly please let me know and I will fix it. I was told that I am doing it correctly. They also told me they should be able to apply over-payment from some of my loans to cover the past due amount. 

I called again on XX/XX/ and was told that the past due amount is correct and that I have been under paying on my loans. I explained everything once again and was told that my end of the account is not showing a past due amount so there would actually be no way for me to know that there was money owed by looking at my account. I was also told that I am submitting the payment correctly and that they will have my account reviewed. 

I am submitting this complaint because I am not confident that I can rely solely on Navient to do the review and fix the issue. I want a record of the complaint and any assistance I can get. I wanted to avoid filing a complaint but Navient has been unable to help thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. WEBBNKFSTR XXXX {$48.00} ETERGYAR XXXX {$960.00} CREDENVERM XXXX {$1400.00} MOUTAINRUNSOLUTIONS XXXX {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681section 602 A. States I have the right to privacy. 

15 U.S.C 1681section 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

In XXXX and XXXX of this year, I contacted Equifax, XXXX and XXXX online to dispute an account with XXXX XXXX that meets the requirements of " Credit reporting time limit ''. I am a single mom of 3 trying to purchase a home and this is the only account that is affecting my credit. This is an account that was paid off almost 8 years ago, but unfortunately I do not have a receipt because I went through a divorce process and can not locate most of my paperwork for old bills. XXXX and XXXX  immediately deleted this 8 year old account to my satisfaction and my score is in the mid 700 's now with both of them. With Equifax I have disputed it TWICE and I even told them that by law, credit bureaus are only allowed to list negative items for a certain amount of time, and the XXXX account meets and EXCEEDS the time limit for negative information. Please help me in resolving this issue. I don't understand why XXXX and Equifax keeps violating the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Hi! This accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report in order to prevent further fraudulent activity of my information. Thank you and have a good day.
Product: Consumer Loan

I took a loan out of {$1000.00} and was told I would repay {$1300.00}. I have now made XXXX payments and my first payment was for {$500.00}, XXXX payments at {$290.00} and XXXX payment for {$320.00} so now I 've paid {$2000.00}. This transaction approval for funds was before signing and not knowing they were going to charge me thousands.complaint : Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX Venture Visa 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

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans or gave anyone authorization to. I have never went to school. I opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT EDXXXX XXXX {$3600.00} DPT EDXXXX XXXX {$6800.00} DPT EDXXXX XXXX {$1800.00} DPT EDXXXX XXXX {$9100.00} DPT EDXXXX XXXX {$3700.00} DPT EDXXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$570.00} XXXX   XXXX {$12000.00} XXXX XXXX  XXXX {$480.00} XXXX XXXX {$2700.00} XXXX XXXX {$600.00} XXXX XXXX  XXXX {$660.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cahs App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and un protected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act 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: Mortgage

Got mortgage XX/XX/XXXX for a doublewide in FL. Got homeowners insurance. Opted out of wind and hail ( hurricane ). I signed a statement acknowledging this and the mortgage company signed a statement acknowledging that we opted out of this type of coverage. We do have home owners insurance. Now the bank has taken $ out of our escrow for wind and hail insurance without our permission. They say the signed statement from their own mortgage officer means nothing. She sent the policy today and it started in XX/XX/XXXX ( we had no idea ). Money just came out of escrow this XXXX and we have to pay again in XXXXWe were hit by Hurricane Ian and had {$90000.00}. Plus damage. We paid cash and fixed it all. We do not want wind and hail insurance- it doesnt cover much and it costs a lot. How can they force us when it was not required at closing and they acknowledged that we opted out. 3 years later they are making us buy it. I have repeatedly talked to LMCU and they say their hands are tied ( originally they lied and said FL laws changed ( which they did not )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have the two accounts reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but XXXX and Equifax have not. The latest letter I sent to XXXX and Equifax to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX nor Equifax, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I ask that the accounts and inquiries listed below be removed from my credit file : Accounts to be blocked and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I was very upset to find out that when my promotion ended and my remaining balance went to my contract rate, the additional payment that I made shortly after my statement closed all went to the lowest rate on my account at that time. The rep at Elan Card Services explained that it was due to me still being at a 0 % when the payment was made. The payment was indeed applied that way, however, the XXXX was not still in effect when I made the payment and I was charged for a full 30 days of interest on the part of my balance at the highest rate. They are forcing their customers to pay at least 1 full statement cycle of interest regardless of the amount paid during that cycle. They did take care of my account but, I do n't want them to get away with this with other customers that are not in the financial world and therefore do n't have full understanding of the payment allocation laws put into place with the CARD Act.
Product: Mortgage

My original mortgage was with XXXX. In XXXX 2016, I was informed that my mortgage would be serviced by Nationstar Mortgage as of XXXX/XXXX/2016. I received an escrow shortgage statement from XXXX in XXXX stating what I owed for the escrow account. If I paid the {$530.00} in full, my mortgage would only increase to {$1600.00}. I paid the shortage in full. In XXXX I get a mortgage statement from Nationstar stating my new mortgage will be XXXX starting XXXX XXXX. I called XXXX and they confirmed the receipt of the escrow payment and confirmed my monthly payment is indeed {$1600.00}. I was also told I would get a new statement from Nationstar ( which I never rec 'd ) showing {$1600.00}. I made my XXXX XXXX payment for {$1700.00}. Today ( XXXX XXXX ) I get another statement from Nationstar telling me my monthly payment is now {$1700.00} I called Nationstar and spoke with representative XXXX and later her manager, XXXX XXXX. XXXX states they do not on file that the escrow amount has been paid. I explained that a check was mailed on XXXX XXXX for {$530.00} and XXXX confirmed on XXXX/XXXX/2016 that the payment was rec 'd and credited as of XXXX XXXX, 2016. Nationstar is claiming until they do a full account analysis, my mortgage payment is {$1700.00}. I was never notified that payment was not rec 'd ( because it was ) or that my mortgage would be increased. XXXX from Nationstar states they will review my account and will contact me in 30 days ( end of XXXX ) of their finding. I informed Nationstar that all future mortgage payments will be {$1600.00} until they put in writing why I should pay more. I then called XXXX and spoke with same rep I spoke with on XXXX XXXX, 2016, XXXX XXXX and she confirmed again that the escrow payment was posted XXXX XXXX and my new mortgage should be {$1600.00}.
Product: Money transfer, virtual currency, or money service

Friday XX/XX/XXXX, I transferred {$740.00} to my cash app credit card, updated my bank card and banking account number and immediately after, my account became locked due to " unusual activity ''. The steps the cash app asked me to take was to email XXXX which I have Numerous times and the only response I have gotten is to allow 24 hours for them to unlock my account. It's now going on 48 hours with NO resolution. They have no phone number to contact them other than a directional phone number on how to use the cash app ... the app has {$570.00} hostage and the app won't allow me to use it! I am unable to send any more messages to the email address provided by the company because they say I've sent too many. PLEASE HELP! The website is a scam and I just want my money so that I can get off that app for good!
Product: Student loan

Navient would not offer me any re-payment options that I can afford. As a result, I must work XXXX jobs, whilst trying to finish my XXXX, just so Navient are paid each month. i have called them several times to explain the extreme financial hardship they are putting me under but they have absolutely no concern for this whatsoever and do not offer me any alternatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

An individual XXXX XXXX Account number that I did not open is reporting on my TransUnion Credit Report as a charge off. That is not the individual XXXX XXXX account number or physical credit card that I have on record in my personal files, nor has XXXX XXXX ever contacted me about that account number. TransUnion LLC claims that it conducted a reasonable investigation which involved contacting XXXX XXXX to verify the account. That account information is inaccurate. TransUnion LLC is noncompliant and negligently violating my federally protected rights to 100 % accurate and fair credit reporting. I have requested verification numerous times on this matter from TransUnion LLC and filed several, prior complaints through the CFPB, one of which is still open. Please see the attached documents.
Product: Debt collection

They sold the debt to a law firm so i could be sued for the debt, an agent at simions agency stated that the debt was no longer with them and to dispute it with the credit reporting agency 's, I did that and then simions agency validated the debt in the dispute. Now they are saying they can not talk to me about a debt they do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX & XXXX XXXX  XXXX 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.