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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion refused to reinvestigate collections that do n't belong to me. I never received proper documentation from Transunion of documents provided to the bureau to verify that the debt belongs to me. 

Tranunion did not properly notify me of collection accounts being reinstated on my report. 

Debts impacted XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the fraudulent accounts. Please find below the details of the account : XXXX XXXX XXXX. Please delete this fraudulent account ASAP.
Product: Credit card or prepaid card

Hello, I opened a XXXX  aka " Amazon Prime Store Card '' card by clicking a link on my Amazon XXXX XXXX back in the  XXXX  of XX/XX/2020. Two months later I received a piece of mail that I owe Synchrony Bank money for inactivity {$12.00} per months. So I called them many times the phone number that was either not answering or answering with an automated message offering me few different ways to pay. Finally, I managed to have Amazon technical support to redirect my call to Synchrony bank to speak with a human and close my card. Nevertheless, Synchrony bank keeps harassing me applying late payment fees and submitting negative credit reports on me every month for the card I had never use. If only I knew there is an inactivity fee for the XXXX  card,  especially during COVID-19 times when everyone stays home, I would never click that " open a Store Card '' button in first place. 

Please help me to make them fix my credit report.
Product: Student loan

Several of my federal student loans are being serviced by Navient. I currently live in XXXX XXXX and as a result of the severe fires in XXXX, Navient decided to put my account of disaster forbearance without my permission or my request to do so. When I spoke with a representative about who authorized this I was told they do not need any authorization for disaster forbearance. I am still responsible for any interest on the account during this month 's forbearance. When asked whether I could withdraw the forbearance, Navient 's representative told me it was not a possibility. There are 10 million people in this county and only a small percentage were affected by the wild fires. I understand " President '' Trump has neutered your office and thus this is mostly cathartic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I.m dispute error on my credit report with XXXX XXXX Dayes pass due with company Consumer Portfolio service.i disagree..need to be correct .....
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX 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.

15 U.S.C 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) 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. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Product: Credit reporting or other personal consumer reports

I just recently look at my credit report XXXX XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/2018 XXXX XXXX XXXX  inserted a medical account representing XXXX XXXX XXXX onto my credit file. This alleged account in the amount of XXXX is a result of identity theft and does not belong to me. Not only did XXXX XXXX insert this account they did not give me my right to dispute the validity of this account nor did they give me notice that they were inserting this account into my credit file. this account is damaging my credit file and it is not my account. Also this states it is medical I have did not business with XXXX XXXX emergency nor have I did business with XXXX XXXX, therefore, I have no obligations to pay either. Also being that this look as though it is a medical account I have never given either company rights to share any medical information, therefore, they would also be in violation of HIPPA. This account is indeed a result of identity theft and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Opened : XX/XX/XXXX Last reported : XX/XX/XXXX Amount : {$790.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Last reported : XX/XX/XXXX Amount : {$610.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Last reported : XX/XX/XXXX XXXX : {$490.00} This is XXXX XXXX I assume all these companies are the same people because I have done no business with them and all the companies mentioned above have no license to legally collect any debts in my state of Pennsylvania. I don't understand how they can report debt to my credit report when I have no agreements with them??? 

I would like all accounts and negative remarks deleted from these companies mentioned above asap. Thank you.
Product: Credit card or prepaid card

I had 5 credit cards with synchrony bank amazon that was opened XXXX pay pal that was opened XXXX Qvc that was opened XXXX XXXX that was opened XXXX care credit that was opened XXXX I was never late on any accounts and paid balances off early for some reason the company closed all accounts with them which caused my credit score to fall rapidly again I was never late and they closed account as soon as I paid the balance for no reason
Product: Mortgage

I contacted you prior regardinging this issue ( XXXX & XXXX ; XXXX ). The XX/XX/XXXX IRS form 1099C shows the amt of debt discharged as  {$170000.00} on XX/XX/XXXX with a fair market property value of {$70000.00}. Due to misapplication of payments for XX/XX/XXXX & XX/XX/XXXX to an account ( 2nd lien ) that was closed in XX/XX/XXXX, I was denied the 2nd ( {$110000.00} ) & 3rd (  {$58000.00} ) installments ( see page 7 of 8 of OLS Form ( rev.XX/XX/XXXX ). The effective date of the loan modification was XX/XX/XXXX which should be completed in 247 months if the contractual obligations are met. 
Today XX/XX/XXXX, I spoke with a male claiming to be XXXX, XXXX ID # XXXX @ XXXX regarding my payment reconciliation history. He claimed that it was ok for Ocwen to charge property inspections fees everytime the payments go over 30 days as well ad late fees. A check of the history shows charges going back to XX/XX/XXXX. Several Payments were placed into forbearance acct instead of applying to the mortgage from on XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX while property inspections & Valuation expenses fees were charged on XX/XX/XXXX. No explanation for {$280.00} to Investor Suspense on XX/XX/XXXX. Could n't understand why charged property Inspections & Valuation Fees on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, even though payments were on time since signing the agreement on XX/XX/XXXX. No explanation why {$770.00} was placed in suspense acct & not refunded. 
Recod shows that 1st Deferment was done on XX/XX/XXXX for {$58000.00} ( requesting IRS Form 1099C for XX/XX/XXXX ). Page 7 of 8 of the contract shows that the deferred principal balance would be {$170000.00} from XX/XX/XXXX-XX/XX/XXXX. The 2nd deferment the principal balance would be {$110000.00} from XX/XX/XXXX-XX/XX/XXXX. This was never done because of the misapplication of payments. XX/XX/XXXX statement dates shos the deferred balance. XX/XX/XXXX & XX/XX/XXXX shows the same since there was no adjustments. Two years later after contacting the CFPB, on XX/XX/XXXX, the 2nd deferred balance ( {$110000.00} ). This would correlate with page 7 of 8. But the 3rd deferred payments if {$58000.00} was never done.It should have been done from XX/XX/XXXX-XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is defamation of character and doing illegal things on my credit report. The cares act simple says they can not post any late payments on my credit report yet they are breaking the law. I am suffering because of this. My credit report should not have any late payments during this pandemic. UPDATE ALL ACCOUNTS " including Navient '' TO PAID AS AGREED NO LATE PAYMENTS SEC. XXXX CREDIT PROTECTION DURING XXXX.
Product: Credit card or prepaid card

In reference to original complaint XXXX while Comenity owns the card XXXX XXXX promotes it and the promo plans They should be giving full disclosure of terms of which consumers must verbally speak with card representative to apply payment to promo account As stated I worked for them and we were never informed/trained about these issues
Product: Checking or savings account

According to XXXX XXXX XXXX XXXX, a letter from Hawaii stated I am not allowed to enter the premises in XXXX. Also, her account ruined because the bank returned the money from XXXX  XXXX XXXX check.
Product: Student loan

I called Mohela in XXXX to request that payments I made during the COVID pause returned to me. The representative gave me a timeline but it has now been a couple of weeks beyond when she said it should be returned to me. I have tried to call Mohela again several times but their wait times are several hours long and I just don't have XXXX hours to sit on the phone waiting for service.
Product: Debt collection

I received a letter from Pressler, Felt & Warshaw threatening to take me to court regarding an alleged account in collections from XXXX XXXX XXXX. Since I use XXXX XXXX, I knew not only was there no past due account for XXXX on my account, there is NO XXXX account except for one paid in full in 2005. They also contacted my employer about garnishing my wages. They didn't even have the common sense to put the amount due on the paperwork but the closed account was only for {$200.00} anyway. 

This law firm has been sanctioned by you before ( under Pressler & Pressler ) but they have not changed their tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report for the first time in years, I noticed I have a collection. I have no knowledge of this account. I am demanding the removal of the collection as well as everything else attached to the account that is negatively impacting my score from all three major credit reporting agencies, XXXX, XXXX, and Transunion. I would also like to note that regardless of the validity of the debt, The collection agency is breaking H.I.P.P.A. laws by sharing medical information. Here is Subsection ( d ) ( 3 ) From the revised 2018 Fair Credit Reporting Act.

Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 604 ( g ) ( 3 ), the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
Product: Checking or savings account

On Friday, XX/XX/XXXX I received a debit card in the mail of an account I did not open. I have already placed an alert on all the credit bureaus and with XXXX several weeks ago due to fraudulent activity. 

The debit card was with a company called " Albert ''. I reached out to Albert the same day but they do not seem to have a phone number. I emailed Albert support at support@albert.com describing the account as fraudulent and asked to close the card. I included images of the card, the envelope the card came in, and information regarding the card. I received an email stating they would close the account if I confirm the name on the card and the last four digits of the card. 

As you can see from the attached emails, I already supplied that information, even in the subject line of the email. Many companies delay taking actions regarding fraud until I file a complaint with the CFBP. 

I am hoping for help so the company actually makes a real response instead of delaying action. Thank you!
Product: Payday loan, title loan, or personal loan

Mid-XX/XX/2018, after receiving a credit increase on my account, I went into Conn Furniture to look into purchasing some additional furniture. I still had a balance on my existing account so before looking at any merchandise my first concern was to see how they would handle my previous balance. I was told that they would combine the two accounts ; the old and the new one, and indicated that my monthly payment could potentially be lower than what I was paying or it could remain the same. With that understanding, I decided to purchase some furniture. The salesperson worked up the deal on his XXXX and told me that my monthly payment would be {$160.00}, which was the same amount I was already paying so I agreed to make the purchase. They did not give me a bill or a receipt but said they would send the information to my email. I had a previous account with Conn Furniture so I took them at their word. 30 days later I began to receive text, emails, and phone calls indicating that my " accounts '' were past due, Not one, but two accounts. I tried to speak with the manager of the store and was told they could not do anything about it and directed me to their customer service/and or some department over the phone. With each call, I was directed to another area and was then told I had to bring both accounts current before they could assist me with combining the two accounts. I did make two payments last month as they instructed with another call to their credit department. At the end of the phone conversation again, I was lead to believe that the accounts would be combined which as of today, XX/XX/2018 that are not and one has been sent to their collections area.
Product: Checking or savings account

XX/XX/2022 {$200.00} was scammed from me on XXXX through navy federal. I was selling a desk on XXXX  some one said they sent me {$150.00} and then a message said I didnt have a business account to be allowed to accept {$150.00} and said he sent {$200.00} more and I had to send it back to make a trust to have business account once I did that he took it and said he accidentally sent {$200.00} more on accident and I had to do it again and thats when I knew it was a scam, XXXX said its authorized payment and navy federal said the same thing so they cant dispute it. I have the messages and XXXX account too. Is this not fraud because he used someone elses name and account? Why cant it be reversed
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a link text from wells Fargo saying someone tried longing in my account ended up being a scam
Product: Mortgage

Property sold for more than the amount owed and I was not given the surplus proceeds from the sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or between XX/XX/XXXX and XX/XX/XXXX the account ( Rent Recovery Solutions was deleted from my XXXX credit profile because it had inaccuracies and could not be verified. 

I recently revied my XXXX credit profile and notice that on XX/XX/XXXX { Rent Recoveries Solutions } has reported this account without a 5 day notice. { Rent Recoveries Solutions and XXXX } both have violated my consumer rights once again according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy witch states below that they are in violation.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this from my credit report. I have already provided all the necessary documents to have it removed, and I am pleading with you to take action as soon as possible.
Product: Debt collection

I was made aware of the ability to check my credit report weekly for free due to the pandemic. I noticed a debt collection on my credit report. I immediately contacted the company on file. After contact with the company, I did not receive a 30 day notice to dispute the validity of this debt. I am requesting proof of address where the notice to dispute the validity of this debt went.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX PULLED MY CREDIT WITHOUT APPROVAL DATEDXX/XX/XXXX/2017
Product: Mortgage

Over the weekend, we received our mortgage loan statement. I was looking at the statement and realized that it had a  balance for legal fees on it. After contacting Nationstar, it was determined that this fee was for a bankruptcy which was filed last year. A bankruptcy which did not include Nationstar.  Apparently, they transfer the paperwork to another department and charge their customers a fee for this. If they would look at my payment history, I have never missed a payment with them and all my payments have been made on time and consistently around the same time each month. I was appalled that they would think of charging a good customer a {$300.00} fee to transfer paperwork to another department within the organization. This is a large mortgage servicer for you. They do n't care about customer service.