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

Dear Identity Theft and Fraud Department : TRANSUNION/XXXX I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way : I dispute the following accounts which are a result of identity theft or fraud : Take a look at the attachments Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference. 

FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the Customer Assistance PlanXX/XX/XXXX Per the representative my payments of {$110.00} would start the month of XX/XX/XXXX on my due date which is the XX/XX/XXXX. All payments were made by phone on XX/XX/XXXX and clear my bank. Told by representative when clear bank even though it was another day that the payment would show on XX/XX/XXXX and not be reported late. Receive credit report dated XX/XX/XXXX showing late from XX/XX/XXXX until XX/XX/XXXX.  ALL PAYMENTS HAVE BEEN MADE ON XX/XX/XXXX BY PHONE.
Product: Debt collection

On XX/XX/XXXX I sent the debt collector ( LVNV Funding LLC ) a debt validation request letter. They received it on XX/XX/XXXX and signed when the letter was in their possession. On XX/XX/XXXX they sent me a failed debt validation and instead sent me a debt collection notice. The debt collection was written in XXXX which I do not speak or read as a delay tactic. I have sent all letters and communication in XXXX so there is no reason why they should have responded in XXXX.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"
Product: Student loan

I am submitting a formal complaint against FedLoan Servicing due to their refusal to credit 42 approved payments for the federal loan repayment program known as Public Service Loan Forgiveness. In XX/XX/XXXX, I submitted an ECF form for approval into the program in the last month of employment with my XXXX  XXXX, non-profit entity known as XXXX University or XXXX University XXXX XXXX. ( In XX/XX/XXXX, the college and the hospital split into two different financial entities, but both are considered 403 ( b ) non-profits. ) My XXXX  XXXX  was a 48-month contracted commitment, at which time my salary was about $ XXXX about $ XXXX/month. Like most XXXX, IBR is imperative ; without it, my standard repayment option would be more than my take-home salary. During my 48 months of XXXX  training/employment, I made 42 payments under IBR, as per the requirements of PSLF. As of today, XX/XX/XXXX FedLoan Servicing refuses to credit these payments towards my PSLF requirement, even after informing me that my manual review of my account is complete after two years. 
I have documents as proof that I made these payments under IBR. I have submitted bank statements from XX/XX/XXXX ( I made two payments this month ) through XX/XX/XXXX, my last month of employment/training at XXXX, accounting for all 42 payments and documenting that I was receiving a paystub from XXXX University. All of my IBR applications are on record at Studentloans.gov. I have also included email correspondence that show I was submitting and approved for IBR every year around XXXX. I have documentation from XXXX, my old loan servicer, documenting these payments, the very same information that FedLoan servicing is claiming is unavailable to them.
Product: Mortgage

My interest rate was at 2 % for 2 years, after 2 years it jumped to 7.65 % and now for the year XXXX it is now 4 %. I 'm stuck with balloon adjustable rate mortgage, interest only since XXXX. Principle balance has n't changed for 10 years.
Product: Credit card

we had a 0 % for 18 months with {$8000.00} line of credit starting XX/XX/XXXX. 
all payments were done, by check, others by XXXX, and XXXX payments in cash. 
By XX/XX/XXXX. XXXX, we contacted Synchrony Bank Lowes Advantage Credit when we noticed the missing payments for the XXXX time on our supposed to be our XXXX Payment. 
finalizing at {$0.00} balance and enjoying the 0 % interest. Synchrony Bank said that we had several late payments and that we had a large balance that will be incurring the normal interest of 28 %, we mentioned that we have bank records of every payment and our total payments show an overpayment of {$1200.00} on that date XX/XX/XXXX. 
Synchrony Bank assured me to see into the account, they as fr copies of all checks and ePayments and we comply within 15 days wth all they requiered, there was no solutions. 
we continued making payments and we complaint again in XX/XX/XXXX, without results, by then we had over paid more than {$2000.00}. And again " no solutions ''. 
we moved to AZ, from TX in XX/XX/XXXX, we called to report our change of address and we found out they have not done anything on the file, again saying we were late. We explained that our bank showed more payments than the initial cal in XX/XX/XXXX. 
Synchrony Bank requested again our ban records and our check copies, we did comply by the first week of XXXX XXXX, sending a package with copies of all the checks and bank statements with all the ePayments to that day. still no answers, no solution, Synchrony Bank continues in XX/XX/XXXX claiming that we had pending payments, that we had missing payments, we did go over every payment over the phone and they admited that they have a credit of over {$2800.00}. 
The extreme on this issue was that this morning we received a call from SB saying that we have a pending balance of {$1100.00}, so, for the XXXX time we are filing a disputes. 
we send again all payment records on XX/XX/XXXX, showing that they recieved the payments and the previous packages, that we need to resolve this issue as soon as possible. 
no responses as the date of this complaint. 

According to our bank records as XX/XX/XXXX, we have overpaid about {$4500.00}. 

it is obvious that XXXX is having missing payments issues with more than just XXXX client. 
and since they offer no solutioons we are relying on you to assist us with this obnoxious dilemma with Synchrony Bank / Lowes Advantage credit.
Product: Debt collection

Penn Credit is attempting collection of an alleged debt on behalf of XXXX XXXX who had provided brokered gas utility service to us when we lived in Illinois. We have provided documentation from XXXX XXXX of Illinois to both XXXX and Penn Credit proving XXXX has been paid in full by XXXX on our behalf, yet collection efforts continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax merge somebody else 's credit report with mine and the dispute process was a mess.
Product: Credit reporting or other personal consumer reports

LexisNexis and ( XXXX ) is sharing my non-public personal information with non-affiliated third parties XXXX, XXXX and XXXX. LexisNexis and ( XXXX ) does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple Federal laws.
Product: Mortgage

On XX/XX/XXXX, my wife XXXX and I executed a mortgage to purchase our first home. For the last few years the servicer has been New Rez d/b/a Shellpoint. We recently refinanced, and on XX/XX/XXXX, the mortgage serviced by New Rez was paid in full. At the time of the payoff, the balance in the escrow account was {$5100.00}. 

By letter dated XX/XX/XXXX, New Rez provided an account history confirming the above escrow balance and stating that " the escrow balance of {$5100.00} and the unapplied fund balance of {$98.00} will be refunded to you in 20 business days of the paid in full date. '' Together these amounts total {$5200.00}. I have attached the letter and account history. 

On XX/XX/XXXX, we received a check from New Rez dated XX/XX/XXXX in the amount of {$3700.00} without further explanation. That's {$1400.00} less than the amount required to be refunded under 12 U.S.C. 2605 ( g ). I have attached the refund check dated XX/XX/XXXX. 

On XX/XX/XXXX, I called New Rez to notify them of the error and demand that it be fixed immediately. The representative ( XXXX XXXX ) spoke with a supervisor and informed me that New Rez made a PMI payment of {$490.00} on XX/XX/XXXX - well after the loan was paid in full. ( {$490.00} is equal to 3x the monthly PMI premium of {$160.00}. ) Accordingly, XXXX XXXX stated that we should expect to receive a second refund check in the amount of {$990.00} XXXX $ XXXX {$490.00} XXXX within XXXX business days. 

New Rez erred in advancing funds for PMI after the loan was paid in full. If, as New Rez contends, the {$490.00} for PMI was due since the beginning of the loan, it had an obligation to pay those amounts promptly and adjust the escrow account accordingly. In the more than six years since origination of the loan, New Rez failed to do so, in violation of applicable law.

Moreover, even if it was proper for New Rez to make the payment of {$490.00} for PMI after the loan was paid in full, New Rez erred in failing to refund the amounts remaining in the escrow account at the time the loan was paid in full, in violation of applicable law. 

We appreciate your help in rectifying this situation and holding New Rez responsible for unfairly and illegally withholding funds which they were required to promptly return to us upon payoff.
Product: Debt collection

I enrolled in XXXX XXXX XXXX in XX/XX/2019. In XXXX of XX/XX/2019, I had to take a medical withdrawal. I hadn't even completed half the semester. The school charged me for the entire semester and transferred the debt to USCB Corporation. I have since contacted the school and they have agreed that I was inaccurately charged. Now USCB Corp has closed the account on my credit reports but not deleted it like it should be.
Product: Money transfer, virtual currency, or money service

Please describe below the nature of your complaint or inquiry. I have a failed balance transfer of {$4500.00} and the funds appear to be missing since XXXX XX/XX/XXXX. I suspect it is due to fraud or due to USAA Federal Savings Bank. On XXXX XX/XX/XXXX, I requested a balance transfer be completed to remove {$4500.00} from my USAA Federal Savings Bank credit card and be applied to my XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX submitted a check to USAA addressed to : USAA XXXX XXXX XXXX XXXX XXXX XXXX  On XXXX XX/XX/XXXX, the check was cashed, and the back of the check was stamped as such : XXXX XXXX XX/XX/XXXX XXXX  of XXXX Endorse XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I contacted USAA XXXX XXXX XX/XX/XXXX, and opened a case with USAA because there wasnt a change on my credit card balance. USAA gave me a credit of {$4500.00} while they investigated the matter. On XXXX, USAA sent me a letter stating that they are not liable for the incident and placed back the credited funds of {$4500.00} back to my USAA Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and after checking my credit report I noticed a fraudulent and inaccurate account on my credit report. I am not familiar with this company but they are causing me damages and affecting my credit worthiness and reputation I have attached an identity theft report along with a copy of my driver 's license and social security card for verification Account : 1. WAKEFIELD & ASSOCIATES ( Originally XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Delete this/these accounts unless you want to be held accountable for {$1000.00} per account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Both inquires, Please delete from profile. 

are not attached to any open accounts, ..Contacted the business i was told to contact the credoit bureau.
Product: Money transfer, virtual currency, or money service

I had to create an account for Venmo so my roommate could pay their rent. It deposited. I added my debit cards to do instant transfers so I could use it. They wouldn't let me do any transfers. I called them and they said that everything was set up properly and they didn't really know why it wouldn't let me. They said they would refresh my account and then to try again. I did it still wouldn't let me. I then went to a store that accepted venmo as payment. That worked. I tried going to another store that also took venmo and it wouldn't let me use it. I bought {$1.00} of paypal crypto currency to see if it would let me. That worked so I attempted to buy the rest of my balance worth and they locked my account and won't let me access the funds that are mine. They are being very combative about helping me and I have read that it's a huge problem that they regularly do to customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$710.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had several hard inquiries on my Transunion credit report that I have no knowledge of what they are for and never given my permission to do so. I also have incorrect spellings on my name on the inquiries and wrong addresses. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX There are several others that I have no knowledge of what they are and never gave my permission for a inquiry of my credit and they are considered fraudulent.
Product: Debt collection

Discover card service is trying to collect a debt of {$410.00} from 2017. This was a secured credit card where I funded my own credit limit. I put a deposit down of {$500.00}. Which I never received back which should have went towards whatever debt that was left over. Discover have yet to provide an itemized statement with my deposit that I paid which covers what the current balance they are reporting.
Product: Checking or savings account

As has been raised in a previous claim under number XXXX before that bureau, I have been the victim of identity theft and successive theft of funds in fraud that have not been attended by CHASE, despite multiple claims filed via secure message and phone contacts. After processing said claims and waiting for a response from CHASE, without having online access to my bank accounts that appear blocked for me after multiple reported fraud events. Today XX/XX/2022, I received an electronic communication from CHASE to my email registered with the bank, asking me about sending the amount of {$19000.00} to a beneficiary named : XXXX  XXXX XXXX, XXXX, which I never made. As indicated in the same message, the limit established by me for transactions of this type is {$100.00}. Said message shows that my bank accounts continue to be affected by the previously reported fraud, keeping me unable to access my accounts and communicate with CHASE because, before my identity was stolen by telephone, another person impersonating me seems to have a telephone code that I never requested. to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need XXXX blocked from reporting on my credit. 
Also need XXXX XXXX  block from reporting on my credit, I was identity thefted. And I do not have a balance with either account. I've never had balance on XXXX XXXX, and what I ordered on XXXX I paid out time and all amount owed hat balance in not mine. I need the accounts removed and the companies BLOCKED due to identity theft. Theses accounts are fraudulent.
Product: Debt collection

I disputed a charge of {$250.00} which was charged on XX/XX/XXXX from a vendor ( XXXX ) that did not perform and present a website accordingly and in a TIMELY MANNER. After not receiving a well put together website with a few days as promised, I requested cancellation of the entire service. They said I didn't but I did via phone conversation and email request. I told them not to proceed I was not happy with the " ugly '' website. It was terrible and I had to keep asking " why isn't the site up and running. '' ( See attached ) I provided proof, email conversations, and dates of the transaction and conversations to Capital One who decided to deny my dispute because I did not provide A SECOND OPINION from another company who knew nothing about this transaction. Not only did they deny the dispute but they took their own good time responding ; two representatives call on two separate occasions and neither one followed through with the dispute without saying they don't see my documents. I was asked on three different occasions to send my proof, when I had already done so as requested by their deadline. They said they didn't see it when I had confirmation of the email. On XX/XX/XXXX, XXXX wrote to Capital One that they see the " charge back of the funds, as FRAUD. This of course was a lie. They just didn't want to give me back my money after not performing. I have never in my life had a company ask for a " second opinion '' from another business who is not involved with a dispute. I had no clue who to involved in this. I felt this to be very UNFAIR to me as a card holder who paid my account on time and who cherished that fact that I was granted the account. I am very insulted and feel as though I'm being discriminated against regarding this matter. Capital One refused to value my opinion as though I was lying about everything. I told Capital One on multiple occasions that I WILL NOT BE PAYING FOR THAT CHARGE and now they have added 2 late fees taking the balance up to {$340.00} and they have reported me as being two months late which has cause a decrease in my improving credit score. I had my scores close to XXXX, I have been working diligently to improve my credit and clean up my credit and now this. I have warned them that I will continue to dispute this and I refuse to be a victim of such a request of asking a " second opinion '' for proof that a vendor did not perform. Yes I was paying for and agreeing to service that I did not receive according to their time frame. Please see the dates that I told them I didn't see any website up and running and the message stating on XX/XX/XXXX ADMITTING THE SITE WAS NOT LIVE. It was supposed to take only 3-4 days which DID NOT HAPPEN. If needed I have ALL EMAILS regarding this transaction with the vendor. Thanks for your help!
Product: Mortgage

On XXXX, XXXX, 2024 a short sale application was submitted. Appraisal was ordered by the bank and completed. We submitted a value dispute as the appraiser didn't take into consideration the major repairs that were needed. 
On XX/XX/XXXX a representative from the bank emailed my representative stating if we would like to dispute the value to submit and inspection report as secondary appraisal are no longer be accepted. My representative submitted an inspection report. On XX/XX/XXXX they had updated the value and an amendment was submitted increasing the offer. My representative was informed that they could no longer review the offer due to the CFPB. They then spoke to a supervisor who told them to resubmit the package with the waiver which was done and they still wouldn't move forward with the offer submitted. We want to sell our home through a short sale given the opportunity as we do not want to lose it to foreclosure.