23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have previously filed a complaint regarding the negative accounts on my credit report. I have long requested for these to be removed by the three bureaus, but they have yet to take any action on this matter. These negative accounts are severely affecting me, so I am once again requesting their removal. This time, if the three bureaus still do not take action, I will file a lawsuit against them and seek compensation for the damages they have caused on me
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX. 
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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This request requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you with this item. 
XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XX/XX/2023 Wells Fargo consistently charges my account for overdraft fees while I have turned overdraft off when I opened account. Thru the course of my time at wells fargo -years they have consistently had this issue. I keep calling and they refund the money but they still try everything to get that fee. It's gotten so bad I've taken my money out of the account and only deposit when a bill is due. Somehow they keep letting these payments go thru after I've asked them over XXXX times that I don't want overdraft. I only want access to the money I HAVE. I don't want to pay any fee for them holding my money. They should be paying the customers instead they try to extort there customers and rake up the fees. Im also interested in a wells fargo auto loan after seeing they been charged recently with charges about this very same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$970.00} XXXX XXXXXXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX Balance Owed : {$530.00}
Product: Bank account or service

I received a bill for a " expedited payoff ''. I did not request this therefore is does not belong to me, nor did I agree to this!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2020 XXXX XXXX  XXXX illegally ran my credit through four different credit bureaus in my attempt to purchase a vehicle I did not authorize by physical signature electronic signature verbal agreement or any other type way shape or form to allow them to do any other Financial inquiries into anybody but XXXX XXXX and there's even a duplicate of XXXX XXXX there was four different credit bureaus that they ran my credit through trying to obtain financing for my vehicle when I paid half the vehicles value down in cash they illegally violated the Fair credit reporting act and went against state and federal regulations that disallow them from creating environments that would damage my credit so badly that I've been affected monetarily in the long run without realizing that this had happened this seems to be reprimanded and fixed immediately
Product: Debt collection

Continued calls to my phone two or three times a day for 7 months. The number calling, XXXX XXXX XXXX does not leave message and when I have answered, no one speaks but simply hangs up. We are seniors living in retirement and have no debt as our home mortgage paid off many years ago. The company calling is CBE Group as when I called number back a recording gave this business name. We are also on DO NOT CALL REGISTRY. Obviously the company is either trying to sell something or have wrong number. We consider these calls to be harassing to us and muse stop at once. We will hire an attorney if necessary to cease this type of repeated harassment.
Product: Student loan

In XX/XX/XXXXof 2018 I mailed certified letters to both Navient and the 3 major credit bureaus requesting the original loan documents that show my signature. They have never mailed any proof. I have also requested proof over the phone and I was advised that my monthly loan payment is {$0.00} per month. I was never sent anything thing in writing and the loan balance hasnt changed and is only increasing. I requested that the loan be removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX account has not been corrected to reflect. Paid in full, never Late, Not part of a chapter XXXX or payment plan. Or wage earner plan. I have contacted XXXX XXXX   again and was given a XX/XX/2018 XXXX # XXXX. This error was suppose to be fixed and never was. Can someone do their job correctly and fix this mistake once and for all. their should not be any negative marks on this account Pretty please with sugar on top. Thanks XXXX XXXX
Product: Mortgage

Dear Sir or Ma'am, COVID-19 Impact have extended benefits particular to several financial institutions specifically for mortgages. In my family 's case, our mortgagee, TIAA is offering an 120-Day Forbearance period of the monthly payments however, the four-month skip payment arrangement is very concerning especially when the borrower is required to pay the entire four-month balance at the end of the forbearance period. My family would be required to pay nearly $ 9k of which is very unrealistic, in our time of this financial and pandemic crisis. Simply put, this is NOT  a feasible task for the majority of homeowners, like my family. 

We are using these monthly payments to support home expenses such as electrical, heat, water, food, and other necessary needs due to our family 's income shortage. We need to live through this pandemic Carefully speaking for millions of American homeowners, the mortgage companies should seriously consider moving the payments to the end of the loan, so homeowners such as my family can rest easy knowing that a monthly payment isn't required at the end of the Forbearance period, otherwise, there will be several foreclosures and a repeat of the mortgage crisis of 2008. 

Therefore, I respectfully and cordially request that TIAA reconsider their Forbearance policy and allow their borrowers the monthly payments to be moved to the end of the loan. This isn't a time for negotiations. This is as American 's supporting one another in the fight for our future and livelihood. We need help, and TIAA should be a part of the solution, not problem. 

Respectfully, The XXXX Family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Mortgage

On XX/XX/XXXX, we were approved for a 3 month short term repayment plan due to the Emergency declaration of Hurricane Dorian coming up to the Florida coast from late XX/XX/XXXX until early XX/XX/XXXX. We left messages for our representative, XXXX XXXX, but were not able to speak with him. We spoke with another representative and told her that a 3 month repayment plan was difficult for us at the time due to having to evacuate and close our business until the hurricane went out to sea. They also wanted the first payment in less than 3 days. She advised us to fill out application of hardship to apply for a 6 month repayment plan. We filled out the application for hardship and sent it in via email and USPS mail to Fay Servicing. On XX/XX/XXXX, Fay Servicing sent us a letter which denied our request for a 6 month repayment plan stating that our income did not qualify us for a repayment plan, however we were qualified for a 3 month payment plan in XXXX which cost even more than a 6 month repayment plan. We were requesting a lower payment plan to spread it out over the 6 month period. We emailed and sent a copy via USPS Priority Express mail on XX/XX/XXXX of an appeal of their decision and the hardship application with changed circumstances. Fay Servicing received the appeal with the hardship application on XX/XX/XXXX, which was within the time period of our right to appeal within 14 days and we left messages again to speak with our representative. We have not received any information from Fay Servicing since by either mail, email, or phone call. We have not received any letter or have had phone calls returned about our appeal for a repayment plan for 6 months instead of 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found multiple fraudulent accounts on my credit report and have tried to correct with the credit reporting agencies. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Billey Act, and RICO. The following accounts and hard inquiries are fraudulent and I demand their removal from my personal credit report.

Disputed - Hard Inquiries XXXX XXXX XXXX ( Bank ) XXXXXXXX XXXX ( Bank ) XXXX XXXX ( Bank ) Disputed - Accounts XXXXXXXX XXXX  - {$40000.00} XXXX XXXXXXXX XXXX XXXX - {$990.00} XXXX XXXX  - {$650.00} XXXXXXXX XXXX XXXX {$260.00} Disputed - Account Numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your help in protecting my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX of a has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 I received an email from the Dept of Education regarding the discharge of my student loan with Navient. I reached out to Navient and have been unsuccessful in removing or receiving any remedy regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus have kept this account open for the last couple years without verifying AFTER I sent them MULTIPLE letter asking for them to verify and THEY CAN NOT. 

This is with XXXX XXXX XXXX for the amount of {$1100.00} One XX/XX/2020 I sent 3 letter to all 3 bureaus. 
One toXX/XX/XXXX One to XX/XX/XXXX And one to Experian And they are not verifying anything. Section 609 requires them to verify and since they are not verifying they must REMOVE from my account IMMEDIATELY. 

I AM TIRED OF THIS.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates are in violation of my rights as a federally protected consumer. 
They are in violation of The Privacy Act of 1974 and FCRA. 
They have not given me any notice to opt out although it is my right as a federally protected consumer as per 15 USC 6802-6805 and 16 CFR 313.7 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Portfolio Recovery Associates Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

They are in violation of 15 USC 1681a by reporting transactions and also in violation of 16 CFR 433.1, 433.2, and 433.3 Attached is my opt out letter as Portfolio Recovery Services failed to give me an opportunity to do so.
Product: Credit reporting or other personal consumer reports

I am filling this FTC identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my Consumer XXXX credit report which I do not recognize, a Hard inquiry named, ( XXXX XXXX  ) opened on XX/XX/year>, a Hard Inquiry named ( XXXX XXXX  ) applied for XX/XX/year>, a Hard inquiry named ( XXXX XXXX XXXX ) applied for XX/XX/year>, a Hard inquiry named ( XXXX XXXX XXXX ) applied for on XX/XX/year>, a Hard inquiry named ( XXXX XXXX XXXX ) applied for XX/XX/year>, a Hard inquiry name ( XXXX ) applied on XX/XX/year>, I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX, and FTC Identity Theft Criminal Complaint # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

I had XXXX accounts with Chase bank since 2015. I have had XXXX twice over the last year and am in college. I had a payment due on the Freedom card on XX/XX/XXXX, which I did not make, I was sick and was sleeping most days for over XXXX weeks, it simply slipped my mind. I called chase and demanded they reopen the account and I would make payment. They told me there was no way to do that. I also told them that I would pay the payment due, but I wanted the account open. I spoke with a low-level agent who could not do anything. I spoke with them in regards to COVID and their lack of assistance. In the conversation to the rep said they had to option to close all my accounts. At this time they had only closed the Freedom card. The agent was very rude and I think they closed my accounts in retaliation. I woke up this morning and was told that ALL of my accounts were closed. However, I had made payments before the date the XXXX open accounts were due, so they would not close them. It is clear they closed the accounts in retaliation for my call. I am planning on contacting a lawyer regarding this, however, Chase may have a mediation clause in their contract restricting me to small claims or mediation. I believe the CFPB needs to step in here before I take other steps This was totally retaliatory for the conversation I had with the rep. I have been a customer of theirs since 2015 and had a great payment history. To close them for no reason is a discriminatory and unfair practice. I have now suffered damage to my credit and seek damages. 

I want the cards reopened or written off. I am willing to pay the accounts, I object to Chase 's predatory lending practices.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Given this issue, I kindly request a thorough review of the documents Ive submitted so I can put this concern behind me.
Product: Credit reporting or other personal consumer reports

Attn : Experian Fraud Dispute Resolution XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Fraudulent Accounts Dispute To Whom It May Concern, I, XXXX XXXX, do hereby state that the following accounts/creditors reporting on my credit report are fraudulent and were never obtained by me or with my consent : XXXX. XXXX XXXX : Good Standing - Reason : Fraud - Not my account - Account XXXX XXXX XXXX  - Amount : {$5500.00} / {$8900.00} - Date : XX/XX/XXXX - Type : Personal XXXX XXXX XXXXXXXX XXXX : Good Standing - Reason : Fraud - Not my account - Account # : XXXX - Amount : {$5000.00} / {$7500.00} - Date : XX/XX/XXXX - Type : Business Card I am attaching copies of the following documents for your reference : - Current FTC Identity Theft complaint - XXXX XXXX letter explaining I was a fraud victim - Letter associated with a previous mailing address from the XXXX XXXX breach On XX/XX/XXXX, I spoke with an Experian representative who suggested that my current FTC complaint would assure the deletion and blockage of these creditors. 

Please remove and delete these accounts and all inquiries associated with this company, as I never authorized them to obtain or use my personal information. 

Additionally, my mailing address, phone number, and email are incorrect and should be updated by Experian to the following : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Include : XXXX XXXX - notarized copy Update : Address & Number
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items, but the bureaus did not remove them, nor prove validation. 

XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting

I am XXXX and have applied for verses financial loans which have been declined because of incorrect information reported on my credit report, such as delinquencies, derogatory reports, and collections which not correct. I have many accounts placed on my credit report, that are not mine which I have disputed many times. This report is Equifax based out of XXXX Ga., address XXXX Ga XXXX. I would appreciate a full investigation with an identity theft inqiuryXXXX XXXXXXXX XXXX PA XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX is reporting late payments on my account, and they did not ask my permission to do that, according to article 15 USC 1681b ( 2 ) it is considered ID theft per the law. 
I have contacted XXXX on several accounts about this, and they say that nothing can be done to help with this matter because it is an automated system.
Product: Money transfer, virtual currency, or money service

I am writing to seek clarification regarding the recent permanent limitation placed on my account and the subsequent 180-day hold on my funds. 

Could you please provide specific details about the reasons behind this limitation? Understanding the exact cause will help me address any issues and prevent future occurrences. 

Additionally, I would appreciate it if you could confirm the start date of the 180-day hold and provide a clear timeline for when I can expect to access my funds. 

If there are any documents or information I can provide to assist in the release of my funds, please let me know. 

This situation has significantly impacted me, and I am eager to resolve it promptly. I look forward to your response and assistance in this matter.
Product: Checking or savings account

XX/XX/21 - chase debit card was stolen. 
XXXX reported fraud on my account and requested that they restore any funds withdrawn from my account without my authorization. 
XXXX reported more fraud on my account and requested that they restore any funds withdrawn from my account without my authorization. 
XXXX reported even more fraud on my account and requested that they restore any funds withdrawn from my account without my authorization. 

XXXX No funds returned to my account. Account is locked.