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

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the ID THEFT REPORT. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with their firm pursuant of the FCRA XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Balance {$0.00XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX
Product: Debt collection

Today, XX/XX/21, starting at XXXX XXXX I have received XXXX calls from XXXX. I am paying my bill Wednesday but they continue to call
Product: Credit reporting, credit repair services, or other personal consumer reports

Do to being part of the XXXX hack a few years ago I purchased credit monitoring through XXXX XXXX XXXX part of XXXX XXXX. During a recent refinance of vehicles Randolph Brooks Federal Credit Union ( RBFCU ), where I have been a member for over 20 years financing and paying off vehicles, homes, and other loans, obtained a credit report from XXXX. That report stated that my credit score was XXXX and resulted in the interest being raised a full percentage point over what was originally offered. I immediately went on the XXXX XXXX  website because I receive email alerts anytime there is a change to my credit score. I had not received an such email. The website stated that my credit score was XXXX and that had been the score on a chart for the last year. I then used a tool to update my credit score and it increased to XXXX. I also followed up with a phone call ( ridiculously hard to get through and the person I spoke to is XXXX, so was the supervisor I spoke to. I repeatedly asked to speak to someone in the United States and got denied. ) They did confirm that my credit score was XXXX but that there were different models use to determine scores and that I would need to talk to RBFCU about the model used. I contacted RBFCU, actually a person in XXXX XXXX working from home, they told me they were unable to answer that question, why my rate changed or what my credit score was.
Product: Mortgage

I have had the mortgage for many years, and had set up automatic payments. Initially I has some problems with automatic payments as Third Federal would refuse payments directly to the mortgage account number. They could not fix this. I also had a separate account with them, and I set up automatic payments to go to that account instead, and then automatically forward to the mortgage account. This worked every month for many years. The bank then changed something in their system without notifying me, and the transfer was rejected. I noticed the error a bit more than a month later, and corrected it, but they already reported the missed payment. My credit score when from excellent to bad. I also lost money due to fees and interests falsely charged against me. 

I have not been able to reswolve this, and I have not found anyone to talk to that can tell me why the bank failed me, and why they will not take responsibility for their defect. They said they tried to reach me. I was never contacted. I am easy to reach by phone, email, letter or any other way, and resolved it as soon as I discovered the banks error.
Product: Credit reporting

I have disputed the fact that XXXX account # XXXX listed on TRANSUNION ONLY now, is inaccurate and should not be listed on my credit report, and excessive abuse of the FTC 's rules and guidelines for responding to a proper resolution in a timely manner with the proper evidence and facts. XXXX and XXXX BOTH REMOVED this item as it was listed inaccurately and did not have legal grounds to be marked against my credit report per FCRA and FDCPA guidelines. Transunion is in violation to these XXXX consumer laws and has ignored repeated requests over the last year to remove this. I have provided the confirmation number to the disputes showing a years worth of history, and the company simply ignoring my request. It is damaging my ability to get favorable rates on a mortgage. Please see that BOTH XXXX and XXXX have complied yet Transunion is refusing to play by the rules. Please reference FILE # XXXX. Attached is the document from Transunion as you will find this case number is linked to over XXXX disputes whereby Transunion just stated it was verified but never provided any of the following:1. Evidence their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is their authorization of law for your collection of information? 
3. What is their authorization of law for your collection of this alleged debt? 
4. Evidence it 's authorization to do business or operate in this state. 
5. and Evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Finally a provided complete account history, including any charges added for collection activity. 

None of these were provided in the last year and only deflected because of laziness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my ID SS and proof of address mail for my identity. I NEED TO PLACE A HOLD OR FREEZE ON MY CREDIT FILE AND I NEED A COPY OF MY FULL REPORT. I found tons of information that is not right on my file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is XXXX XXXX XXXX please remove any other name. 
My address XXXX XXXX XXXX XXXX, OH XXXX I choose to opt-out of your disclosing future information until further notice including the Ful Report and other furnished XXXX XXXX   inquires regarding all personal information.
Product: Mortgage

Bayview Loan Servicing purchased the servicing on my home equity loan. During an attempt to refinance my XXXX mortgage Bayview reviewed my loan file and sent mailed correspondence saying I owed them {$220.00} for XXXX related to the XXXX. I had my mortgage lender contact Bayview to ask what this fee was. The gentleman on the phone originally said it was for attorney fees. After my mortgage lender questioned him he said it was probably assessed because my homeowners insurance had lapsed. My mortgage lender asked when the homeowners insurance had lapsed so he could send proof that there was insurance in place and that " Force Placed '' insurance was not necessary. Bayview said they would send me written correspondence showing me proof. Instead they sent a letter ( almost idententical to the first XXXX ) saying that " After a review of my loan file I owe {$220.00} in XXXX XXXX XXXX. '' They also included another copy of the first letter. Bayview has never come up with a good explanation of what this fee is for or any proof that I owe it. My Account number with Bayview is XXXX.
Product: Student loan

I have contacted this organization multiple times letting them know I'm XXXX and can not call them and speak on the phone. When I tried to let a hired organization speak on my behalf, they wouldn't allow it without notary and a few other hoops, which I understood. But I've let them know i'm still unemployed due to XXXX that I'm working through, and they have not allowed me to put off making payments, instead dinging my credit score month after month.
Product: Credit reporting or other personal consumer reports

Thank you for your efforts in removing some of the inaccurate items from my file resulting from a mistaken credit reporting. However, there are still items that need to be addressed. Despite submitting FTC report # XXXX, these inquiries remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries listed below. This complaint addresses several unauthorized hard credit inquiries on my credit report, with TWO ( 2 ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference. Please see the remaining inquiries and remove them from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable in any case of noncompliance. This is my LAST NOTICE. Please remove the inquiries resulting from erroneous credit reporting. Thank you for your prompt attention to this matter.
Product: Debt collection

My name is XXXX XXXX please add this document to my case complaint cfbp XXXX
Product: Credit card

I was not notified that the annual fee for the credit card was coming up. I was also not able to login into my credit card account. So I was unable to make a payment or even see that the annual fee was coming. I then called to close the account in XX/XX/year>. Again I was not notified by anyone that the annual fee came. On XXXXXXXX XXXX XXXX I get a letter stating that I missed a payment. 

The annual fee is {$29.00} and the late fee is {$29.00} and interest charged was {$00.00} or XXXX cents charged in interest. 

They would not fix the issue even though I was not able to login and I was not told about the fees on the account. 

I've had the card for XXXX years and not once paid late. But now they are trying to strong arm me into giving them money. This is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I tried to cash a check written against Chase Bank, but they said they could just refuse to do so, even though it was a check from their bank. They have no reason for refusing to cash a check written against their own bank.
Product: Student loan

navient been with them since XX/XX/2011 being over charged & intrest put on my loans over charging
Product: Credit reporting or other personal consumer reports

Experian refused to correct the information on my credit report after providing them with the information from XXXX XXXX XXXX. It has been over 2 years and they want correct the information on my credit report after several attempts of disputes. I contacted the company and they said Experian have never requested anything from them.
Product: Credit reporting

XXXX XXXX XXXX to XXXX XXXX during this time my credit accounts were tampered with and unauthorized charges. I have filed FTC complaint, police report with XXXX police agencies ( XXXX XXXX, XXXX XXXX XXXX, and XXXX ). Have informed and disputed with XXXX creditors numerous times with no action taken by them to remove or block. After several ID Theft disputes with CRA Equifax - learned about FCRA XXXX and sent on XXXX XXXX to block. Equifax refuses to block.
Product: Student loan

I had applied for the new SAVE income driven repayment plan on XX/XX/2023 through XXXX and received confirmation that my application had been received by EDfinancial. On XX/XX/XXXX I called EDfinancial requesting the status of my application. I was told they were processing the applications at a XXXX business day delay and try again later. On XX/XX/XXXX I called Edfinancial and was advised that they did not have my application and I should resubmit, which I did resubmit manually through their inbox and received a pop up to allow 10 days to review. On XX/XX/XXXX after not receiving any correspondence with EDfinancial regarding my IDR submission, I submitted a complaint with XXXX to try to resolve my issue with my servicer. On XX/XX/XXXX I called EDfinancial and was advised that they did have my SAVE application and allow XXXX weeks to process my application. On XXXX I called EDfinancial and was advised that I would owe a {$5.00} fee to pay for the transfer of my income driven repayment plan to SAVE which I did pay that day. I was advised that the application was being expedited and would be processed by Friday, XXXX. My application has still not been processed and the {$5.00} fee that I paid was applied to my original monthly loan payment. On XXXX I called EDfinancial and the representative was unable to help me but escalated my dispute with a supervisor whom I have not heard back from. I was advised by this representative to not make my regular monthly loan payment at this time as the monthly amount was reduced by the {$5.00} fee that was applied incorrectly to my account. I was advised that I should hear back from a supervisor with EDfinancial within XXXX business hours but this did not happen and my account has not been updated to the new repayment plan. In addition, I am in limbo and not sure how to make my monthly loan payment as I was advised not to do so until this is resolved. At this point it has now been 106 days since I originally submitted my SAVE application to my provider which is an unreasonable amount of time to wait.
Product: Mortgage

XXXX case number wfhm loan XXXX tried to follow up with my case person named XXXX XXXX ( I am not sure if this is correct spelling, this is provided to me in a voicemail from last year. ) XXXX XXXX XXXX XXXX XXXX I have messages on my phone from her as my go to contact for all case topics I called her XX/XX/19 XX/XX/19 and again today XX/XX/19 left messages telling her I had 2 more questions and she will never call back spoke to XXXX oper id XXXX  XXXX  XXXX today and he claims she no longer is there and no one is responding to my voice mails I am leaving for follow up so, HOW do I get a representative to ring me back and provide final outstanding answers to the case? 

thank you XXXX XXXX
Product: Checking or savings account

To whom tay concern, My Bank of America checking accout was severly impacted by fraudulent activity. In the month of XXXX this year I had {$2500.00} taken out of my checking acount on several transactions. My dad and I have made several attempts to get this issue resolved wih the bank but thier response from thier fraud deparment has always been to close te claim over and over again insisting that I gave permision hat I authorizd one of the transactions and ignored alerts. I was first told that my funds would be restored with in a week then the claim was closed. I was then told that I needed a police report so i did so with XXXX Police department. I was then told to write a hand written letter and it had to be faxed for security reasons this was done also an faxed. All the while my claimes were being reopened and then later closed. My dad finally contacted FDIC and was refered to this organization. Bank of America told you in thier response that they had no knowledge that my dad had any authrization to recive information on my acount when I have given consent for him to help me every step of the way. I recived a letter inthe mail from cfpb with Bank of America 's response from XXXX XXXX stating the response with her contact information. I called her and she stated that I did not respond to the fraud in time and that they only hav a small window of time to work in. All I want for them to do is to do right by me and give back what was taken from me. I worked very hard for my money and I trusted them to keep it safe and now they are treating me like it was my fault that all of this happened. My account was started by my dad so why or how could they say to your organization thery dont recognize my dad as someone who speak on my behalf. I don't now why my bank acts as though this is okay to keep treating me this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information attached to my credit reports contains wrong names, addresses, and accounts that do not belong to me. This information on my report is consistently affecting my personal life I can not obtain a home or vehicle because of the errors on my credit reports. There are over 60 inquires on these accounts.
Product: Credit card or prepaid card

I received credits in excess of {$70000.00} from cancelled vacations to my XXXX  credit card account. 
On XX/XX/20 using online chat I requested that I be refunded the credit balance by way of a check. I was told to expect the check in 7-10 business days. 
On XX/XX/20, using online chat, I requested the status. I was told it was being reviewed. 
On XX/XX/20, using online chat, I requested the status. I was told that the refund had been approved on XX/XX/20 and to allow 7-10 business days to receive the refund. 
I also called to speak to an account specialist who told me that a check was being processed. 
On XX/XX/20, using online chat, I was told that a check was sent on XX/XX/20. 
It is now XX/XX/20 and I have still not received the refund. I did receive a letter today, dated XX/XX/20, from Citi saying that a refund check has been sent and I should receive it in 10-14 business days. If the check had been sent by the time that this letter was written, why will it take 10-14 business days to arrive? 
This credit had been in my account for some days before I requested the refund. Therefore Citi had confirmed that this was my money, in my account, i.e. it was genuine. 
Why then do they have to review whether I am entitled to a refund of my money and drag out that process for two weeks. If indeed a check was raised and sent on XX/XX/XXXX, why have I not received it when I have already received a letter dated XX/XX/XXXX? 
Clearly it appears to be Citi 's policy to hold on to monies as long as they can under the pretext of review, having to raise a check and the mailing process. 
It is totally unacceptable that Citi withholds a large sum of money belonging to me without cost or penalty. 
The interest rate on my account is 13.99 % APR. If I owe Citi any money, they will charge me interest. As they have withheld my money, they should therefore pay me interest at that same rate. To date, since the day I first requested the refund, interest amounts to {$700.00}, according to my calculation, and continuing to accrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the fair credit reporting act Navy Federal account number XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written permission.

15 USC 1666 ( B ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

I have also discussed with the company my hardships due to covid-19 and we agreed on a plan and Navy Federal still reported my information improperly without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. You have 5 business days to remove the said account XXXX XXXX XXXX XXXX Account XXXX
Product: Debt collection

I filed a police report, Fraud FTC affidavit and provided a written Fraud statement to XXXX XXXX and the CRAs. Subsequently the CRAs validated my ID Theft and removed my tradelines. XXXX XXXX just attempted to collect on this balance via a notice in the mail which is a violation of FDCPA and FCRA. I do not owe them. This was ID Theft. I plan on taking any necessary action to resolve this as I am being taken advantage of.
Product: Debt collection

Debt was off on XX/XX/20. I received a letter stating that they were attempting to collect the same debt, when I checked my online account and called I was told that I'd have to wait 10 days in order to receive an updated correspondence and that I could not have an email sent showing that the balance was paid and the account was closed. When I inquired as to why my online account was not reflecting payment I was told that's an IT issue and I'd again have to wait. I have a bank statement showing that the amount was deducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have been reporting a debt collection account, ( XXXX XXXX XXXX ) as open since XXXX XXXX. This account has been closed since XX/XX/2022 written off by the original creditor. I have sent multiple dispute letters on XXXX requesting to remove the incorrect account not being in compliance with the FCRA. They have allowed this debt collection to remain causing adverse action and affecting my ability to obtain financing. This has caused me financial hardship.
Product: Student loan

I contacted Nelnet mutiple times via messaging platform linked to my account and via emails. I called Nelnet as well. They placed my call on XXXX hours hold. I asked them to cancel the deferments on my account and continue with the Save Plan. I applied for save plan again on their website and student aid gov page. Nelnet refuses to cooperate and follow up on my request.