23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a police report that goes along with complaint number XXXX. I have filed a police report, report number XXXX, with the XXXX Police Department regarding my Identity Theft. I have attached this report to this complaint. 

XX/XX/2016 I had my identity stolen and there was a Kohl 's credit card opened in my name. I have filed an Identity Theft Report with the Federal Trade commission, as well as the XXXX Police Department. 

I'm requesting that Kohl 's immediately remove this from their system as well as the 3 credit reporting agencies ( XXXX, XXXX  and XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon my review of my consumer reports it has come to my attention that XXXX is reporting accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft. 
18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- 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. 
You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXX, XXXX, Equifax, CAVERS ) I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Due to this inaccurate information on my credit report this has caused me mental, emotional stress and denigration to my character. Fed Loan servicer have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

See below on the XXXX accounts that need to be deleted off my credit report immediately XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX
Product: Vehicle loan or lease

Status and information is incorrect. 

Credit Acceptance was granted a judgement against me for the balance of my loan in 2015. The debt is 7 years old but they just recently started reporting new late payments to credit reporting agencies. 

The company agreed to settle the account and remove the debt from my credit reports after the settlement was paid. I paid the amount agreed upon in a lump sum but account has remained on my Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I opened a new credit card and was never sent a bill. I attempted to call and request the bill before the due date, which was never sent to me, I called the day of the Due date and made a payment through the phone, and they intentionally applied the payment the next business day to pay the late fee after confirming if it would be applied the day of. Currently, they are charging me late bill after another and still refusing to send me a bill statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX, XXXX accordance with the fair credit reporting act XXXX account XXXX XXXX has violated my rights. 15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge :XX/XX/XXXX XXXX XX/XX/XXXX/XXXX  XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXPlease remove these FRAUDULENT inquiries.
Product: Checking or savings account

On XX/XX/XXXX I deposited some money into my chime account from my main bank XXXX. Shortly after. I received an email stating that my account was suspended and I need to provide a necessary document to answer unsuspect it. I've been providing those documents for almost XXXX weeks now. And there has been numerous calls to the company stating that all my documents has been sent. However, they keep asking for the same thing over and over again. And still asking for documents will still did provide. My account can not be unsuspended and the money be reimbursed if don't provide the same documents. This money is my tuition money. And I have missed the deadline for a normal registration and we're in a late registration and I have to pay extra for and I do not have the money for it
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failed to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed these accounts.
Product: Debt collection

I am disputing a charge of over {$6000.00} related to my former residence at XXXX XXXX XXXX XXXX XXXXXXXX ). I have already submitted extensive evidence to both the apartments corporate office ( XXXX ) and XXXX XXXX XXXX, including photos, videos, emails, and payment proof showing that I am not responsible for the majority of the charges. 

Despite this, I am still being pursued for the debt. 

The majority of the charges are based on : Damage that existed before I moved in ( e.g., a broken patio that was already patched when I arrived in XXXX before I even had pets ). 

Mold and major damage caused by an upstairs units water leak in XXXX that was never repaired until XXXX. 

Poor living conditions and maintenance delays, including exposed walls, rodent droppings, and carpet improperly installed over water damage. 

Retaliatory management behavior, including alleged false reports and discriminatory actions.

Lease mismanagement : I repeatedly asked for a new lease or month-to-month terms, but was ignored. I moved out on XX/XX/XXXX, and paid the full XXXX rent, despite leaving early. 

I have been charged for XXXX rent and repairs that were not my responsibility. These include fixing long-standing damages that existed before I lived there, and charges based on inaccurate information. My attempts to resolve this directly have been ignored or denied without real explanation. 


I ALSO have videos
Product: Credit reporting, credit repair services, or other personal consumer reports

I ed learn that in summer XXXX and again in early XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to your report. I contacted Transunion and asked regarding this glitch but I was told that is not true, I reviewed my credit report and noticed that the inquiries are back in after being deleted. They added back without giving me legally required written notice 5 days prior to them be re-adding, these inquires are a hardship and my rights were violated by transunion.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Failure to Update Credit Report** I am writing to formally lodge a complaint against Experian regarding their failure to accurately update my credit report. Despite providing all necessary documentation, Experian has not corrected an outdated negative entry on my report. 

Specifically, the issue concerns a paid debt of {$38.00} with XXXX XXXX XXXX. XXXX  XXXX XXXX no longer reports this debt as outstanding, and I have requested the removal of this information from my credit report. I sent letters to XXXX, Experian, and XXXX, along with proof of payment, requesting the removal of this entry. Both XXXX and XXXX have complied with my request and updated their records accordingly. 

However, Experian has not made the necessary correction. I sent a certified letter to Experian, including proof of payment and the original request for removal, but the negative entry remains on my report. 

Enclosed are copies of the certified letter and proof of payment sent to Experian. I kindly request that the Consumer Financial Protection Bureau intervene to ensure that Experian corrects this inaccurate and outdated information on my credit report. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Also, I have no business, paid services or products with Experian Credit bureau. I am requesting that they cease performing these soft inquiries on my credit report. It is not necessary to do so. I request all marketing sent to me by email, phone or other forms of communication be terminated today. 

Also, please be advise, per your rep I was asked to do XXXX separate complaints. Please see complaint confirmation number XXXX. I submitted the complaints about Experian on the same day XX/XX/year>.
Product: Mortgage

I have two mortgages with Citizen Home Loans. One is paid from my XXXX XXXX XXXX Account to a loan secured by my primary residence in XXXX. The other is paid from XXXX XXXX to a loan secured by a second home in XXXX. For two months the servicer of the XXXX loan applied the payment to my XXXX loan. Therefore, 2 payments were applied to the XXXX loan for 2 consecutive months and I received late payment notices from Citizen Home Loans on the XXXX loan. Both times I called and they corrected the issue. 

HOWEVER ... they reported me as in default to the credit bureaus and my credit score has since dropped 91 points for two defaults. I have never had a default in my life and i have asked them to notify the credit bureaus multiple times by phone, email and now by letter ( sent fed ex ) and they have not. 

I need help forcing them to rectify the situation immediately, remove the two default notices and do what it takes to fix my credit score.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Date : XXXX. XXXX, XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 
Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a 7-day free trial with XXXX XXXX belonging to XXXX XXXX XXXX, an Experian company. In order to cancel it you must call their toll free number. I have called and called. And waited for over an hour, even though wait time was supposed to be 15 minutes. No answer. They are charging my card on file for a membership that is impossible to cancel.
Product: Bank account or service

Using a PNC Flex Visa rewards credit card, I earned XXXX points. I redeemed them for XXXX {$100.00} XXXX gift cards. The cards were shipped on XXXX/XXXX/2015. On XXXX/XXXX/2015 XXXX closed my account and banned me for life for buying too much ( spending $ XXXX per year ) and returning too much ( around XXXX % of items bought were returned ). The merit of XXXX refusing my business is highly questionable, but in any case, they have refused to allow me to redeem my gift cards, even though they are, by legal definition, something a consumer purchases in return for guaranteed consideration for goods and services. Regardless of that fact, they would not refund my money. I opened a case with the PNC bank rewards people, and after 60 days of runaround, they finally informed me that they will not accept the cards for return. According to their terms and conditions, one of the only circumstances under which a reward can be returned is if the reward becomes unavailable after a consumer orders it. So I ordered it, and that reward became unavailable to me afterward ( before I received it in XXXX, 2015 ). They should take the cards back and refund my points balance. It is unacceptable for a consumer to be left in a position where they 've paid cash equivalent for something and yet get nothing for it. XXXX should not be allowed to deny the use of valid gift cards, and PNC Bank should not be allowed to deny me returning a reward that has become completely unusable before I ever even received it. The bank uses rewards programs to attract and retain customers as well as entice them to spend money on credit cards. PNC Bank succeeded at doing this to me, yet failed to provide a reward of the value guaranteed as part of the rewards program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a settlement with XXXX that I am repaying. I started this repayment in XXXX of 2018. XXXX has cashed 2 of the 4 checks I have sent them. The account is still accruing interest, even though it is not supposed to because it is a settlement. They are now reporting delinquency to the credit bureaus, even though they have 2 checks I have sent them but they have not cashed them. I have attempted to contact them and no one knows how to put me in touch with the post default payment department. They have told me they will have someone get into touch with me and that has not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made withoutmy consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XX/XX/2023 2. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/2023. XXXX The inquiries was not authorized from XXXX XXXX ( 4 ) different inquiries from same company Date of Inquiries : XX/XX/2023 Please remove it from my credit report. 5. This account should not be reporting on my credit report XXXX  ( account number XXXX ). Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I have proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing to help me with the removal of these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Late 120 Days XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX
Product: Mortgage

I have sent you documents pertaining to my illegal foreclosure. Some of the documents have been redacted, but my name and other personal information such as email address and home, mailing address has been included. Ditech has already received this information through faxes and local court filings. As yet, Green Tree, LLC. a.k.a. Ditech Financial, LLC has refused to validated the mortgage debt, or conclude their so-called, fraud investigation concerning my mortgage payment account. Ditech has continued to attempt to profit from their own fraud, and fraud perpetrated by XXXX XXXX XXXX and XXXX XXXX XXXX by attempting to move the local court to sell my home regardless of the court 's order vacating the judgment of foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX regularly allows collection agencies that have bought an old bad debit to reage the debit. Everytime I dispute when this happens, they immediately decline my dispute and say the information is accurate and was verified as such with the collection agency without truly investigating. The current issue is with debt posted by Paramount Recover systems, where they bought a debt from XXXX XXXX, originally delinquent 2015.
Product: Mortgage

1)DitechFinancialapparentlysoldmymortgagetosomeentitycalledXXXX2)IwastoldbytelephonethatthetransferwaseffectiveXXXXXX/XX/2019.
3)AsofXXXXXX/XX/2019--aweekbeforethistransfer--therehadbeenNOCOMMUNICATIONOFANYKINDfromeithercompanyaboutthesaleofthemortgage.
4)IreceivedanunaddressedemailindicatingthatacompanycalledXXXXhadtakenapaymentof{$1300.00}.
5)NopaperoremailcommunicationwassenteitherbyDiTechFinancialormyXXXX.
6)SomeatXXXXinformsmethattheloanisactuallyheldbysomethingcalledXXXX.
7)XXXXsaysthattheinformationregardingthistransferoftheloanwasmailedasapapercopyonXXXXXXXX--AFTERthetransferwaseffected.
8)OtherphonerepresentativesatXXXXfranklyseemedtoguessingaboutthewholeprocessofhowtheloanwastransferred.TheyallseemedonlythinlyinformedastowhattheirresponsibilitiesorthoseofDiTechFinancialmightbe.
9)DitechFinancialmeanwhilehasessentiallyasoftodayblockedusasformerclientsfromanycontactwiththem.Accesstomy"former''onlineaccountseemstohavebeencutoff.Phonecallstothecompany--becausetheycantracetheirorigintoourphonenumbers--aretransferredtoXXXX10)Thiscomplaintidentifiesallthreecompaniesasbeingatfaultintheloantransferprocess:DitechFinancial,XXXX,XXXX11)Iamawarethatallofthemmaybesubsidiariesofothercompanies(orfraudulentshellsforsomething).
12)Asanadditionalnote:MyLoanCarehasjustinformedmethattheironlineaccessisunavailableoutsidetheUnitedStates.Iamnotevensurethatiscorrect;butthatalsoseemsunusualandimpracticalinthe21stcentury.

Itshouldnotbelegaltotransferamortgagewithoutnotice.Norshoulditbelegaltofailtoprovidebasicinformationaboutthattransferuponrequest.Norshoulditbelegalforafinancialentitythatheldamortgagetoinstantlycutoffcontactorcommunicationwithacustomerupontransferoftheloan.Surelytheyshouldbeobligatedtonotifycustomersatleast60dayspriortotransfer;andtoallowcustomeraccesstoonlinerecordsandphoneassistanceatleast30daysafter.
Product: Student loan

I received communication on XX/XX/XXXX stating my loans were being placed in a forbearance and interest would not accrue during the forbearance period. On XX/XX/XXXX, I received another communication stating interest would accrue during the forbearance period. Upon review of my loans, it appears interest has in fact been accruing since I was placed in forbearance. I am also concerned none of my prior payments has been applied to the principal amount on multiple loans. I can not confirm any information regarding the amounts applied to principal and interest per loan as MOHELA does not provide this information, even when making a payment. 

In addition to the prior complaint, I was an individual that was affected by the delaying of XXXX application which I submitted in XX/XX/year>. I was told by a customer service representative in XX/XX/year> that my application would be processed and placed into a forbearance, which was false and any change was never communicated to me. 

There is a severe lack of transparency by MOHELA, which, combined with all the other issues MOHELA has, has hurt millions of Americans.
Product: Checking or savings account

My wife XXXX XXXX passed away on XX/XX/year>. I called in XXXX of 2017 to cancel her subscription to XXXX. However, I notice in our joint account they continue to charge me all the way until XXXXIwould like to be reimburse..