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

There is information thats on my consumer report that appears on my Equifax, consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- Date opened- XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened- XX/XX/year>XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX Date XXXX XXXX XXXX for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
Product: Consumer Loan

GE Capital declined a loan application for a Bobcat vehicle on XXXX/XXXX/2015. They have repeatedly and consistently refused to provide me with information about why they declined this application and where they got any information they used to decline. They financed an identical machine for me about 6 months earlier. One of my local bankers checked my credit report the same day and reported that my FICO score was XXXX, as it should have been at the time, and that there were no derogatory comments listed. I 've received XXXX communications from GE CAP. 28 days after the decline they senbt me a letter stating that if I wished to know why they declined I would have to send them a written request. I did so even though Federal law requires them to have notified me of the problem within 30 days without any action on my part. I received no further communication from them until I filed an internal complaint with GE through my payment contact. I then got a letter two days later stating " Delinquent past or present credit obligations with others '' and The decline was based on limited and poor credit on the company not your personal credit. " They provided no further information as to where or how they have gotten what must be incorrect information. I can not fix the problem when they refuse to tell me where it came from. They 've refused to respond to repeated emails and there is no phone number to reach those people that even internal GE CAP people can find. I 've been told that all I can do is snail mail the address the letter with no useable information came from. And I get no response. GE CAP has consistently and repeatedly refused to comply with Federal law by refusing to tell me where they got information which they used to decline this credit application. 

Application # XXXX Date XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

I recent notice Multiple inquires on my credit report that were unauthorized. Most bring in XXXX & XX/XX/. I have been previously notified by XXXX & XXXX that I was a victim of Identity Theft due to Security Breaches with their respective companies. There is no surprise that my information can/could be used to attempt to receive credit or accounts. I have since filed a report with IDTheft.gov and will upload report to this complaint. I AMM respectfully requesting each respective Credit Bureau delete each unauthorized Hard Inquiry off of my consumer reports. 

My other issue with the 3 Credit Bureaus ( XXXX, XXXX & Experian ) is : I am requesting the DELETE ALL the listed Charge-Off Accounts on my reports due to there are no longer any Balances owed on each respective account. 

THE LAST DATE OF ACTIVITY, THE LAST DATE OF PAYMENT, THE ACCOUNT NUMBER, THE BALANCE EVERYTHING ON THIS CREDIT ITEM ON MY CREDIT REPORT LOOKS TO BE INCORRECT. CAN YOU PLEASE DELETE THIS ITEM FROM MY CREDIT REPORTS Lastly ; There are Two ( 2 ) Listed Dismissed XXXX  XXXX Bankruptcies on my Credit Reports. Ive already disputed them directly with the credit bureau to delete them because the Court did not send this info to the Credit Bureaus Directly, and by law it should not be Reported on my credit reports
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised TransUnion on several occasions that the information being reported on my credit report is inaccurate and have provided them with proof.
Product: Checking or savings account

I was given written notice by Bank of America that my funds from a deposit drawn from another Bank of America account in the amount of {$1300.00} for a refund of my security deposit would be made available two business days after I made the deposit on XX/XX/2022. At the same time, I also deposited a state of California Covid 19 check to my account for {$1700.00}, which was put on a seven-day hold until XX/XX/2022. 

On the day I expected funds to be made available from the Bank of America, I was informed they were holding funds for a full week until XX/XX/2022. 

Per regulation CC, for checks drawn on an account held by your institution ( " on-us checks '' ) deposited, they must be made available on the first business day following the banking day of deposit ( " next-day availability '' ). The same also goes with government checks. ( State or local government checks deposited in person to one of your employees and into an account held by a payee of the check, if your institution is in the same state as the payor of the check. ) - I am a resident of California and my check was deposited into a California account. 

But even after stating regulation CC, it seemed apparent, the manager didn't know the details of what regulation CC was. I spoke to XXXX, employee number XXXX, a manager at Bank of America at a call center in West Virginia.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts, inquires, and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove as soon as possible. Attached will be my FTC report. 

Please remove these fraudulent inquiries listed below : Inquirer Name XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I OPENED A TD BANK ACCOUNT XXXX XXXX, 2015, WITH {$490.00}, AND SUBSEQUENTLY, TD ASSESSED ME " OVERDRAFT CHARGES, THAT THEY ASSERT I AGREED TO ALLOW, ( I AM A SENIOR XXXX YEARS OLD ). MY N.Y..XXXX. CULTURE SENSED THAT THIS HAD HAPPENED OFTEN TO NEW CUSTOMERS IN THE SAME WAY THAT THEIR REPRESENTATIVES, " DEMANDED '' ' I PAY THESE FEES '', ( MORE THAN {$170.00} THAT WOULD, " ZERO OUT ), MY ACCOUNT. WHEN I WAS PAYING SMALL AMOUNTS TO, MY-TD ), DEBIT CARD ; IT NEVER ADVISED ME THAT OVERDRAFTS WERE BEING MADE AND CHARGES WERE BEING ASSESSED OF {$35.00} EVEN FOR A {$3.00} XXXX ICE CREAM. THEY SAY I AGREED TO THIS AT THE BRANCH BUT I DID N'T UNDERSTAND THAT THEN. WHEN I SAID I WOULD CANCEL MY ACCOUNT THEY SAID, " THAT THEY WOULD NOTIFY EVERY BANK IN THE U.S. NOT TO LET ME OPEN ANOTHER ACCOUNT. CAN THEY DO THIS?.
Product: Debt collection

I AM UNAWARE OF THIS ALLEDGE DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEDGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVED IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING IVE RECEIVED IT
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

In XXXX of XXXX I purchased earrings for my daughter 's XXXX birthday from a Macy 's department store in XXXX, Oklahoma. When I did not receive a bill from Macy 's I sent them a check on XX/XX/XXXX for the entire purchase price of {$170.00} which they received and deposited three days later on XX/XX/XXXX. I have copies front and back of the check proving Macy 's received the check and deposited it. They never credited my account. I spent literally hours on the telephone with Macy 's explaining and providing copies of the cashed check. They would not listen but turned the account over for collection to XXXX XXXX XXXX XXXX based in XXXX, Florida. I again spent hours on the phone with different representatives of XXXX XXXX and sent them copies of the cancelled check front and back with no success. Throughout the process Macy 's continued to add interest and late fees. Eventually negative information was shared with all three credit bureaus and my credit was and continues to be severely damaged. I filed a dispute of the negative information from Macy 's with XXXX on XX/XX/XXXX but never received a response from XXXX. I spent nearly an hour on the phone with XXXX today with no benefit other than being cut off after speaking with two representatives. I am am retired XXXX XXXX XXXX XXXX XXXX XXXX. It was never a question of my ability to pay. I paid on time and in full though I had not yet received a bill from Macy 's. Though I live out of the country my credit is important to me. I need to get this travesty straightened out and will do whatever I need to do towards that goal. My email is XXXX. My telephone is XXXX XXXX XXXX. Thank you in advance for your time and attention.
Product: Mortgage

HELOC with Citizens Bank of Rhode Island in XXXX. HELOC draw period has ended in XX/XX/XXXX with no remaining money to use. HELOC Acct number is XXXX. 

Applied for Mortgage assistance/relief through a HUD approved housing counsellor called XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX ) and was approved. However, they need the three most recent statements which I do not have and Citizens Bank & their outside law firm XXXX XXXX will not provide these statements so that the money can be released. 

POC at XXXX XXXX XXXX is XXXX XXXX XXXX. 

Request that the CFPB intercede to obtain these 3 statements so that XXXX can move forward with disbursing the money.
Product: Mortgage

ACCOUNT NUMBER XXXX Property address XXXX XXXX XXXX, XXXX XXXX Fl. XXXX Mailing address : XXXX XXXX XXXXXXXX XXXX, XXXX TX XXXXXXXX These are Serious Mortgage practices you failed to provide /answer /disclose or maybe even broke the law. Attached is your letter dated XX/XX/2017 which appears your unable to find /locate the unauthorized charges which SPS has been the servicer assigned from XXXX and you provided never a response and again doing everything you can to stale /delay and not provide full explanation and simply make additional large excessive profit and simply ripping off consumers. You SPS have carefully, willfully and deliberately hide /refuse to acknowledge or provide proof ( more exact ) number which apparently your unable to locate is {$11000.00} of unauthorized charges ( SEE PAYOFF STATEMENT AND YOUR OWN STATEMENT ). My Principle balance was only XXXX yet you reported to the Title Company unpaid Principal is XXXX. You SPS are hiding interest from IRS and me as the customer. SPS assigned from XXXX XXXX have unauthorized charges to place on my account of {$11000.00} and I demand this money back to XXXX XXXX and XXXX XXXXXXXX XXXX the rightful persons on the mortgage. You find not find any authorization from XXXX or XXXX XXXX XXXX approving these this interest if anything SPS assigned from XXXX has been losing my paper work for six years trying to do a loan modification which SPS FAILED but amazing XXXX XXXX was able to assist. I demand this {$11000.00} that you added as principal which my balance and all these years my interest statement is as reported to IRS is {$84000.00} and that how interest statement were sent to me. You can not just add {$11000.00} to my principal just because you know this was unauthorized charges. Final, I check with XXXX XXXX there is NO subornation agreement notifying XXXX XXXX that the principal balance has been raised, XXXX XXXX servicing for FHA Since your unable to find your own documentation, I file an official complaint with XXXXonsumer Financial Protection Bureau as your mortgage practices fall in line with being Predatory as you are taking advantage of Senior, my wife at XXXX and me at XXXX, refuse to answer my questions, appears to be not explain proof of your actions and ( 3 ) unable to explain/find proof of anything ( 4 ) Unable to answer or respond to my principal is XXXX that how for 10 years sending 1099 statements out, we been filing interest claims and during the payoff you SPS added {$11000.00} of unauthorized charge which are and never was agreed on.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Dispute Department TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

This account was opened about 20 years ago. I have not received any statements. I made a deposit to my IRA account on XXXX for {$1000.00} this amount was never credited to my account. I have been trying to resolve this problem for over 2 and a half years. In addition the Internal Revenue Service ( IRS ) states that they have no record of this amount being deposited into my IRA account.
Product: Credit card or prepaid card

I have been attempting to contact Comenity by phone and online since Friday, XX/XX/XXXX. The websites for both credit cards I have accounts with through Comenity are down. The sites claim that upgrades are being made and glitches in the system prevent login. When attempting to call my phone, every single phone number provided by the company plays a recording stating that the offices are closed and that no available agents can assist or access account information. I am concerned that Ill be facing penalties for Late payments as I have no way of contacting the institution to submit a payment. I have attempted to contact Bread XXXX which has taken over Comenity Bank and was told that they can not assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stenger & Stenger , P.C. Creditor is XXXX XXXX amount of debt is total of {$760.00} as of XX/XX/2020 ... payment arrange in XX/XX/2020 for the total amount of {$1000.00} with payment of XXXX made 5 payments deducted from total amount of payment agreement of {$1000.00} which total my amount to {$760.00}.
Product: Student loan

Over the last 2 years I have paid my minimum payment via the Pay as You Earn program, with my current student loan service provider. On months where I am able, I make additional payments above the minimum amount due, in effort to payoff my loan quicker. 

For the last 6 months I have seen that the additional payments I made have only been applied toward the interest balance, and nothing toward to the principal balance. I am not clear as to why any additional payments made above the minimum amount due would not be applied toward the principal balance. Also it does not appear that any portion of the minimum payment is being applied to any portion of the principal balance. 

I first tried to reach the service provider via email on XX/XX/2020 via their online portal with no response. I made a call to the service provider on XX/XX/2020, and spoke to someone who explained it is their policy to apply all payments toward the interest, and that I could not apply any payment toward the principal balance, until the interest is paid off. What was not made clear is how the principal goes down, if all I am doing is paying interest, which keeps getting added on monthly. 

The provider could not explain the policy or how this works, nor how I would ever be able to payoff my loan. I tired to equate my situation to auto loans and home mortgages that are paid ahead, where additional payments can be applied to the principal balance of the loan, so they can be paid off faster. The service provider could not explain and continued to say that all payments are applied to the pending interest.
Product: Debt collection

I am filing this complaint because Swiss Colony has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : XXXX XXXX XXXX  XXXX XXXX, PA XXXX I HAVE DISPUTED WITH EQUIFAX ABOUT THIS ACCOUNT SHOWING UP ON MY CREDIT REPORT AS IF IT IS MINES WHEN IT IS NOT. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED. I HAVE SUBMITTED THE PROPER DOCUMENTATION TO THE CREDIT BUREAUS REGARDING THE FORGERY AND IDENTITY THEFT REPORTS FROM THE POLICE DEPARTMENTS AND THEY STILL REFUSE TO COMPLY WITH THE FCRA. ONCE AGAIN I STAND AT A STAND STILL I HAVE NEVER HAD A STUDENT LOAN WITH XXXX OR DONE BUSINESS WITH THEM AND FRAUD HAS BEEN COMITTED TO OPEN UP AND ACCOUNT IN MY NAME UNDER MY CREDIT SO REMOVE THE ACCOUNT FROM MY FILE IMMEDIATLEY.
Product: Credit reporting or other personal consumer reports

My government student loans were paid off and closed as part of the Public Service Loan Forgiveness program in XXXX, XXXX. Within a month, XXXX and XXXX were both showing all of my student loans as paid and closed. 

As of XX/XX/XXXX, Experian is still showing all of my student loans as active and with balances. I disputed this credit reporting directly with Experian on XXXX XXXX, XXXX, and provided all documentation at my disposal. On XX/XX/XXXX, Experian completed their investigation and stated that the account status of my student loans was accurate and made no changes to my Experian credit report. I am in the process of applying for a mortgage. The mortgage provider has already stated that, " even though two of the three credit bureaus are showing that you have NO student loan debt, they will still need to calculate student loan debt into my debt-to-income ratio '' because these loans are showing on Experian, " and that the balance of my student loans would impact the amount that I could borrow for a mortgage. '' This is very frustrating!