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

I was a victim Of identity theft mainly because of the XXXX  data breach. My information had been compromised and use to open fraudulent accounts Mainly with comenity bank. And then they went to collections selling my information to XXXX XXXX XXXX THE ACCOUNTS ARE LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX/ beginning with XXXX XXXX XXXX XXXXending with XXXX And all the collections accounts with XXXX XXXX XXXX be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/year> Hello, I am writing this letter to contest the so-called resolution to my XXXX dispute report confirmation number XXXX. I will prove that XXXX is grossly incompetent and worthy of censure and stringent financial penalties to be imposed by the CFPB and other federal regulators. Per the following documentation from todays XXXX XXXX report ( see attachments ), XXXX claims that I have three EdFinancial Services federal student loan balances with a combined outstanding balance of {$33000.00}. However, I have already provided documentation ( including the EdFinancial Printable Account Verification Letter used to validate my mortgage loan lending eligibility ) which clearly indicates that my total outstanding federal student loan balance at this time is ~ {$18000.00} across two individual loan balances. Therefore, I require the third ( duplicative ) loan balance to be immediately remediated since it is grossly inflating my indebtedness and has thus been negatively impacting my consumer credit score. 

I also need to note for the record that there was a previous XXXX CFPB complaint ID XXXX for this same issue, tied to EdFinancial CFPB complaint ID XXXX. The original EdFinancial case remains active and is being worked, as is a related complaint with XXXX. XXXX good faith therefore stands in stark contrast to competitor XXXX who has twice now closed this complaint ( once with XXXX, and a second time with my confirmation number XXXX which I opened by phone following the initial case closure without a satisfactory resolution ). I will file this third complaint again and again, as many times as necessary until XXXX is held accountable for their misdeeds and takes ownership of correcting this erroneous data. Otherwise, they should be removed from the consumer credit reporting business altogether, with prejudice. I am also asking for monetary compensation from XXXX for their ongoing gross incompetence and lack of commitment to service excellence.
Product: Mortgage

I have a HELOC that is being serviced by DITECH. I am paying interest only payments right now and it is due to reset, ( pay principle and interest ) this year. When I ask DITECH what month will it start. 

I was told in XX/XX/2017 and most recently in XX/XX/2017. I asked for it in writing with payment amount and was told it could not be done because they did not know and it could n't be figured. I just " had to wait ''. 

I have friends whose bank gave them a written notice a year in advance. 

I would like my new payment information concerning the reset as soon as possible so I can plan accordingly. 
They know the principle balance due. I should be able to get an estimate and not be left in the dark until the last minute. I have heard of payments doubling and more. I do n't want to lose my home Is there anyone I can turn for help? I am afraid they are going to stick to me because this was ( is ) a predator loan bought from XXXX.
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, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 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 seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknow unauthorized inquiries on my Experian report. Specifically, I did n't give authorization for my credit to be ran numerous times by Equifax solutions on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I did n't authorize it united auto to run my credit on XXXX/XXXX/XXXX. I did n't authorize XXXX XXXX  to do a hard inquiry on XXXX/XXXX/XXXX. I did n't authorize XXXX XXXX XXXX on XXXX/XXXX/XXXX or XXXX XXXX XXXX on XXXX/XXXX/XXXX. Moreover, clarity was not authorized on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. Moreover, there are numerous inquiries from XXXX credit that are unauthorized on my report. Please have these inquiries removed immediately.
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, NY XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

i sent a letter to Rentdebt Automated Collection, on XX/XX/2020 concerning a alleged debt of {$1200.00} that i do not owe.I haven't receive anything that i requested and i also attached a copy of the letter below
Product: Mortgage

XXXX -- Previous complaint number. 
XX/XX/XXXX Mortgage company explained that I would receive only {$240.00} even though my Escrow was XXXX, but that the following year, in XXXX of XXXX, I would receive a much larger amount. 
XX/XX/XXXX Escrow refund was issued for {$5600.00}. 
XX/XX/XXXX Mortgage company advised check sent. 
XX/XX/XXXX Called to advise haven't received check. Advised to give it 15-20 business days to receive. 
XX/XX/XXXX Called to advise still not received.They will look into it and call me back. No return call. 
XX/XX/XXXX call and advised still no check. I need it resent ASAP. We will send your request to Escrow, it will take 15-20 business days for them to research. 
Holidays came went still nothing and frankly exhausted with this situation. 
Fell off my radar but still no check. 
XX/XX/XXXX I received escrow statement and they paid {$3900.00} to someone else tax bill and have increase my mortgage over {$250.00} a month due to their error! 
XX/XX/XXXX I still have not received the check and I have again reported it lost and they still have not resent. Asked me to check back in 15- 20 business days for update.
Product: Student loan

I can not keep up with the payments. When I first graduated I was unable to pay because I was looking for a job. Navient offered me deferment and forbearance options I took them. Now I am unable to pay because the interest was so high that my payments are {$1300.00} a month! There is no way that I can pay {$1300.00} a month, plus my rent, utilities, car payment ... on a XXXX salary. What started as a XXXX loan amount has mushroomed into a XXXX loan.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I told Experian to delete addresses on my credit report. 
That was not done instead they updated the incorrect information. The only address that is correct is XXXX XXXX XXXX XXXX  XXXX, Florida XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX, XXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX
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 XXXX XXXX XXXX. 

XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX XXXX Acct # 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 a account without my written instructions.
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 Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$750.00}. 
XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$280.00}. 
XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$58000.00}. 
XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's giving me anxiety
Product: Debt collection

I was sued by XXXX XXXX XXXX, and they didn't properly serve me with personal service in accordance with State Law. A default judgement was obtained without me being proper service, and a FIFA was issued against me and my property. I was sued in 2015, and a FIFA has been filed against me every since then. I haven't been able to live fully because this debt has stopped me from obtaining credit on several occassion. They provided the court with a document that stated I had been served. However, they didn't file the proof of service from the XXXX or another process server.
Product: Debt collection

Company is still reporting to XXXX, XXXX, and XXXX of a debt that was included in bankruptcy chapter XXXX. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Financial Services switched my lease to e-statements without my consent or knowledge of this action. Furthermore, the email address used by BMW Financial Services was an inactive old email and the e-statement was undeliverable. I relied on the paper statement to make my scheduled payments. After months of unknowingly non-payment, BMW Financial Services repossessed my vehicle. Upon learning of this action, I immediately made the delinquent payments and recovered my vehicle. 
BMW Financial Services admitted they switched my account to e-statements. I did receive a call from an individual stating he was from BMW a couple months prior to this event. This individual asked me to provide my social security number over the phone which I declined to provide thinking this was a fraudulent call. I have been a victim of IRS fraud in the past. Therefore, I did not provide my personal information over the phone and thus the individual would not relay to me the purpose of the call. No further written attempts were made by BMW to contact me at my home. 
BMW Financial Services were in error when they switched my account to e-statement without my knowledge or consent, resulting in adverse harm to my credit, which I am demanding is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN VICTIM OF IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, I made XXXX, XXXX and Equifax aware of this since XXXX of XXXX. They Have ignored my notices and request to remove the fraud from my consumer report. The 30-day and 60-day time frame for a reasonable investigation as past. If items can not be verified within 30 days it must be removed. failure to provide proper validation of the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ), debt collectors are required to validate debts when requested by the consumer. Also 15 USC 1681 c- 2 they must block all item that came from fraud in 4 business days which has also passed. I am requesting all Items be deleted immediately. I demand that the following account be verified or removed immediately : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX  XXXX Date of inquiry : XX/XX/year> XXXX. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to remove fraudulent items from my credit file. These fraudulent entries are severely impacting my credit history and financial well-being, and I am seeking your immediate assistance to rectify this matter. 
I discovered that my credit report issued by 3 Credit Bureaus contained multiple fraudulent entries that do not belong to me. These entries are adversely affecting my credit score and are a result of identity theft or unauthorized activities. I have made numerous attempts to have these fraudulent items removed from my credit file, but they persist, causing significant damage to my financial standing.

I kindly request that you take the following actions to address this issue : Conduct a comprehensive review of the fraudulent items and remove them from my credit file immediately upon confirming their fraudulent nature.

Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report.

Provide me with written confirmation once these fraudulent items have been removed from my credit file.

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries.

I understand the seriousness of maintaining accurate credit reporting, and I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these fraudulent items are not removed from my credit file and the issues not resolved within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assitance to remove the following fraud item in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$27.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023.
Product: Credit card or prepaid card

In late XX/XX/XXXX/early XX/XX/XXXXI logged into my Verve credit card account online and saw 8+ fraudulent charges to my account. I immediately called and because it was weekend was forced to go through an automated system to report the card stolen. The next business day I called in again and explained the fraudulent charges to a representative. She promised the situation would be taken care of within 10 business days and refused to give any additional information telling me that they'd " be in touch ''. It is now almost 3 weeks later and I've heard nothing from the company other than a robo-call notifying me my credit card payment was late! I just called back in and explained the situation to a customer service rep who stated there was nothing in my file concerning this fraud case and that they could do nothing for me. The rep did state he was reversing the late fee on my account, however, he didn't see any information indicating fraudulent charges on my account. After speaking to this representative for upwards of an hour they still could not confirm all the charges were reversed and the late fee is still showing up on my account. This company is CHARGING me for other 's fraudulent behavior and I'm not going to pay for this. They've offered no support and now want me to pay for fraudulent charges.
Product: Money transfer, virtual currency, or money service

One day I seen a {$400.00} transaction sent to someone on TD bank, however I did not send It I told the person online and to sum It all up they said It is not our problem. Somehow this made my account negative and they closed my account. I could not get any pictured or screenshots my account locked out and I found out through speaking to an agent and then manager.
Product: Credit reporting or other personal consumer reports

Someone is using my information trying to get an auto loan in my name. At serveral different places.
Product: Mortgage

I applied for a loan with Quicken Loans. I was pre-qualified not long after submitting my application and was requested to pay the non-refundable {$500.00} towards an appraisal. Once the appraisal fee was paid, my application went to the underwriter for review. On XXXX XXXX, 2015 my real-estate agent and builder received a letter indicating my loan application had been approved and fully underwritten. The letter indicated that my income, employment, and credit scores have been verified, but my loan had been approved contingent upon receiving the appraisal, title commitment and homeowners insurance. All of which were completed within weeks of this notice and a closing date of XXXX XXXX, 2015 had been scheduled. 

At this point, I completed the final earnest deposit installment with the builder for a total of {$12000.00} which authorized the builder to began making a few requested customizations to the home and set an closing date as well. 

A few days into this process I received a call from a Rep asking me to provide proof of timely payments for a previous mortgager lender because my report show untimely payments. Again, I provided this information immediately ; however, I received a formal denial letter on XXXX XXXX that my loan was denied due to past credit history. 

After providing proof of timely payments, completion of a credit supplement/rescore, credit verification phone interview and providing an explanation letter Quicken reversed the original denial and approved my loan for the XXXX time. In my opinion, reviewing past credit history is mortgage underwriting XXXX. Why did Quicken approve my loan initially, advise my realtor and builder, then ask for supporting documentation only to deny the loan? 

The builder, XXXX XXXX has now instructed me that because they have set XXXX closing dates and because I did n't close, I am now considered in default of my contract and they will be retaining my {$12000.00} earnest money deposit. I am in no financial position to write off {$12000.00} due to the incompetence of a mortgage lender. If my loan application did not meet Quicken 's criteria I should have never been lead not XXXX, but XXXX and placing my life savings in jeopardy. I am requesting that Quicken reimburse me for the earnest deposit in the amount of {$12000.00}. I will also be reporting this issue with my employer who endorsed Quicken loans as well as offered incentives to open loans with this organization.
Product: Mortgage

In XXXX I contacted Shellpoint advising the customer service rep that I was seeking help on catching up on my loan due to me not working. I was asked several questions to see if I qualified for assistance and was advised that I was and someone would be calling me for further assistance. A week went by and no one called. I contacted shellpoint and spoke with a very rude case manager who told me that I need to fill out some documents that would be coming in the mail. I received the documents and mailed them back XX/XX/year> after a week went by and I did not hear from anyone I called again and was advised by my case manager that she was not able to look at the documents yet. She contacted me two days later advising the application was incomplete and she needed paystubs, hoa statement, bankstatements. I emailed the requested documents and did not hear anything back once again I called in and was advised she did not receive anything from me. After gong back and forth with her I advised he I emailed the docs on the 26th she stated she saw them and that the paystubs were old ( she was reading the dates backwards ). she then advised that she needed my savings account bank statements which is not true. This is going on two months trying to get my mortgage loan caught up
Product: Credit reporting or other personal consumer reports

XXXXXX/XX/XXXX 2024 XX/XX/XXXX, 2024 XXXX XXXX XXXX XXXX, 2024 XX/XX/XXXX, 2024 XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX, 2024 2024