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

in XXXX  A vent cleaning provider came by house and said they would charge me {$140.00} to clean my vents. I agreed but they charged {$5000.00} on my citi credit card. I called citi to resolve the unauthorized charge but they refused to help me. They instead reported to my credit report and this is the only negative account on there. I was mislead and the charge was fraudulent. The fact that Citi did not protect me as a consumer is extremely frustrating.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX  Balance : {$380.00} 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: Student loan

I previously submitted my complaint with CFPB and received a letter stating that your agency believed that someone filed this in my name. That is not the case. 
My information is as follows : Loan Status Repayment Repayment Plan Extended Repayment - Principal and Interest Repayment Start Date XX/XX/XXXX Estimated Payoff Date XX/XX/XXXX Missed Payments Alert Please contact us. 
Ready to pay off this loan today? 
Here are the amounts : Online {$9400.00} By U.S. Mail {$9400.00} Unpaid Principal {$9300.00} Unpaid Interest {$71.00} Unpaid Late Fee {$7.00} Current Balance {$9400.00} Interest Rate 3.500 % Interest rates on private loans are set by the lender. 
Interest Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Owner XXXX XXXX XXXX XXXX Disbursement Date XX/XX/XXXX Original Principal {$13000.00} Navient is a predatory lender that targets young people when they are most vulnerable. I was tricked into putting my loan into forbearance multiple times over the course of the last 14 years. When I did use other methods of payment they did not fully explain all the ramifications to me. My credit has been ruined by this company and they are now preying on my XXXX XXXX XXXX cosigner mother who bankrupted this loan over 10 years ago. I was not part of the settlement according to their representatives. If you could please look into this I would greatly apprectiate it.
Product: Mortgage

In XXXX of 2020 I applied for a mortgage with JPMorgan Chase Bank N.A. On XX/XX/2020 I received a letter from Chase with the terms of my mortgage. Since that original letter of conditional approval I have received several emails and phone calls from a Chase loan processor. I was advised to go forward with building a house and put a {$20000.00} deposit down and began the construction process. On XX/XX/2020 I received an email from Chase stating I was not approved for a mortgage. During this time frame I was asked in a phone call by the loan processor for a {$500.00} " Good Faith '' deposit to cover appraisal and title fees. I was told the {$500.00} would be credited at closing. I am seeking the refund of this fee. No appraisal or title work has been done since the home is not complete and I was not approved for a mortgage. I have also incurred additional costs in the delay of my closing for our home. I am not seeking the additional costs I've incurred at this time. I will be attaching several copies of supporting documents.
Product: Student loan

My income went down by $ XXXX in XX/XX/XXXX ( joint taxes filed with my wife ), and yet my student loan increased ( On Income Based Repayment, my loan payment increased from {$280.00} to {$530.00} - an increase of about 85 % more. They always ask for your Tax forms in XX/XX/XXXX ( instead of after XX/XX/XXXX, which would make more sense ), so since XX/XX/XXXX I have been calling them and trying to get them to explain this increase. The had me submit paycheck stubs, fill out paperwork 4 separate times ( one time an employee there filled out the paperwork " correctly '' and said all I had to do was sign it and mail it back in, but the next person said that paperwork was wrong ). I initially filed for the month deferment when I objected to the new payment amount, and they needed time to recalculate it. Now, after 5 months, no one is still explaining why my payment increased, but they say I am ineligible for another deferment because I already had one, so the choice is now pay the higher payment, or be penalized. The only nugget of information I got was that they calculate my Income Based Repayment based on the GROSS income ( so before taxes, social security, health insurance, etc. ). Every time I have called they state there is no supervisor that I can talk to. I 'm fed up with Nelnet.
Product: Debt collection

I have been contacted by this firm by phone at XXXX of my phone numbers ( XXXX ) XXXX on the following dates in 2024 : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX. 

The robocall system uses a different caller ID number each time, and leaves a voicemail message from " XXXX XXXX '' requesting a callback to ( XXXX ) XXXX. I have called Aldous & Associates approximately 10 times between XX/XX/XXXX2024 and XX/XX/XXXX2024 regarding this, and each time, they tell me that they do not have my name or any of my phone numbers in their system. This indicates that the contact information their robocalling system is using is incorrect. 

Approximately 6 times I have been transferred to a " supervisor '' who can not or will not try to get my phone number out of their robocalling system. Approximately 4 times I have requested to be connected to XXXX XXXX, the CEO of the company, to discuss this. In each case, I am told that this is not possible. I have asked for the phone number of XXXX XXXX several times but I am told that they will not provide that. I emailed XXXX XXXX, the CEO of the company, on XX/XX/XXXX2024 at XXXX requesting that the company cease the harassing phone calls. I received no response. I mailed a letter via U.S. Mail around XX/XX/XXXX2024 with the same request, but the phone calls continue to this day. 

I would like to request assistance from the CFPB in resolving this, as my attempts to do so with the firm itself continue to be unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. I sent a letter on XX/XX/XXXX to remove the inaccurate personal information : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX accounts XXXX XXXX XXXX  XXXX Balance {$0.00} ; XXXX XXXX  XXXX XXXX Balance {$530.00} ; XXXX XXXX  I XXXX Balance {$500.00}, and inquiries : XXXX Inquired on XX/XX/XXXX ; XXXX/XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX/XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX are UNKNOWN to me . I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX, and I am including them again.
Product: Mortgage

I applied for a FHA mortgage back on XX/XX/2018. I was pre-approved for a {$300000.00} limit with XXXX % down. My wife and I found a home, made and offer, and it was accepted on XX/XX/2018. The closing for the property was accepted by both parties to be XX/XX/2018. The loan was then turned offer to the processing department where we turned over all our private documentations, IE : tax returns, ban accounts, identification, etc. The process was then turned over to underwriting after all required documents where accepted. This is where the loan process began to stall and take much longer that it should have. After turning over all our required documentation, the underwriters kept asking for numerous more documentation on taxes, income, employment verification, copies of checks, etc., whic in turn kept pushing back the approval process and not being able to make the XX/XX/XXXX closing. We signed a one week extension to the contract for the purpose of getting loan approval through underwriting. The underwriter continued to ask for documents that where already submitted multiple times and additional documents that where never asked for earlier in the process. This made us miss the extension of the contract. The seller decided to cancel the contract because we could not get to the closing table in an adequate time. To this date we still do not have a closing, we lost the house, and the seller refuses to work with us any longer.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I never ever sign any agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

This has been paid off in full. And they did not have the authority to report to the bureau on the late payments. Paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C 1691s-2 ( A ) ( 1 ) A person shall not furnish any 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.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regarding XXXX  report number XXXX obtained XX/XX/XXXX, I received a collection on my credit report from XXXX XXXX XXXX XX/XX/XXXX a balance reported of {$57000.00}. 
I never had a signed agreement or an account with XXXX XXXX XXXX. 
" In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. ''
Product: Checking or savings account

A scammer found his way remote into my XXXX in XX/XX/year>. I was lied to and scammed into sending a person named, XXXX {$500.00}, which was debited from my checking account. This transaction was done and completed through an XXXX gift card. XXXX did not notify me of this action to make sure this was not a scam. They put a hold on it for a very short time and then released it, to only be redeemed by the scammer. 
I immediately notified my bank ( M & T located in XXXX, CT ) and they submitted a dispute to their fraud department. The bank returned my funds, only to retract days later, as their reason being that the scam was done, person-to-person. I am still in communication with XXXX to attempt to resolve this matter. 
I appreciate whatever it is that you can assist me. 
Thank you and best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters to request these negative items be removed from my credit report permanently on XX/XX/17 and have not received a response regarding the validation of items I requested. It has been months and still nothing. This is illegal and I demand that these items be immediately removed from my credit profile permanently.
Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase in XXXX using the same email address I gave you. Over the years, I have used it to buy XXXX, XXXX and XXXX coins for investment purposes and to pay overseas employee salaries for my small business ( in IT ). On XX/XX/XXXX, without warning, Coinbase informed me via email that they had closed my account for an undisclosed reason and that I needed to withdraw my account holdings ( cryptocurrencies and cash ). When I log in to coinbase.com, I am now shown a screen saying that my account is in the process of being closed and I should withdraw my cryptocurrency and cash balances. However, from this screen there is no way to withdraw anything. The usual dashboard with withdraw functionality is not longer available and my mobile app shows an error that my account is locked and no transfers can be completed. I contacted Coinbase by phone to ( XXXX ) learn why my account was terminated and ( XXXX ) withdraw my account holdings. They refused to give a reason for the account closure and created a support case ( case number # XXXX ) but have not responded further and did not give a timeline for resolution. I can not access my account holdings or transfer them to external wallets/accounts and I need access to these funds as soon as possible.
Product: Money transfer, virtual currency, or money service

WORLD REMIT usually transfer my money to XXXX in hours, but my last Transfer # XXXX ( case # XXXX ) from XXXX XXXX for {$400.00} is not paid to recipient until today XXXX XXXX. 
Else, they not answer my cuestion : where is this money or when will pay it? 
I called 5 times by fone but diferent people every time, said, sorry they will pay in 2 days ... and nothing happend.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account with late payments, 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 instructions, 15 USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is inaccurately and fraudulently reporting on my credit. I had an account with XXXX XXXX, the account has been paid and closed. I am including the PIF statement from XXXX ; their name and logo with my account information are clearly marked. Equifax is reporting this as a collection when it is not. I do not have an account with XXXX XXXX XXXX, I have never had an account with them, and there is no collections, as the account was closed with XXXX, in good standing, and paid in full. I never owed XXXX XXXX XXXX money. This needs to be removed immediately under the FCRA, because it is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

Under 15USC 1681 Section 602 states that I have a right to privacy 15-usc 1681 section 604 a Section 2 also states taht a consumer reporting agency can not furnish an account without my written instructions.

Under 15-USC-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,
Product: Mortgage

I had a mortgage with Wells Fargo in XXXX and lost the home in XXXX after I tried to do a loan modification program and despite making all the required payments, I still lost the house. The address was XXXX XXXX XXXX # XXXX, XXXX TX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed my legal name - first, middle, and last names- in XX/XX/XXXX. In XX/XX/XXXX, I found that none of the three credit reporting agencies had updated my name. Equifax and XXXX both had a credit report under my old name and XXXX had a report under my current name but no part of my credit history. See attached PDFs of how the three reports appears in early XXXX. 

I requested guidance from the law firm that had assisted me with getting the court order for the name change, and at their advice sent each credit reporting agency a letter, accompanied by a copy of the court order, requesting them to change my name. 

In XX/XX/XXXX, I checked on my credit reports again. I found that XXXX had updated my credit report to include my credit history, but the other two basically gave me error messages : see attached PNG screenshots. I printed, completed, and mailed the Annual Credit Report Request Form for Equifax, which you can see linked to on the screenshot. And I mailed XXXX at the address they listed to request my annual credit report. This was in XXXX, and I haven't received anything from them yet. 

I requested advice from the law firm again and they've suggested submitting disputes to Equifax and XXXX, and a complaint to the Consumer Financial Protection Bureau. 

Equifax and XXXX 's dispute forms allow for disputing incorrect personal information, but nothing for someone with a problem like mine. As I understand it, the agencies can handle changes to last name only smoothly enough, but any first name changes are a struggle for them. I gather that my situation isn't unique but their dispute forms don't make it possible to call attention to their inability to update their own records. It's not clear what my next step should be in getting Equifax and XXXX to update their records, beyond this submitting a complaint here. 

I changed my legal name two years ago, and since then I have put quite a number of hours into updating the credit reporting agencies. Given the necessity of a credit score for certain things - like renting a place to live - it's unacceptable that the agencies can't reliably update their own records on their own, and that they make it so difficult to address this issue. 

Please let me know if any additional information would be helpful.
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 accounts 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 any accounts 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

My consumer right has been violated according to 15 us code 1681 inaccurate information is listed on my report which should be deleted immediately
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX - XXXX XXXX # XXXX have 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 antidotes the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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.