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

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Had difficulty contacting student loan grantor to submit forbearance/deferment request and representative at my college institution was not properly assisting me in getting the forbearance/deferment request submitted. I initially tried to contact school and loan grantor to set up arrangement in XX/XX/2018 and did not manage to get forbearance/deferment completed, accepted and posted until XX/XX/2018. Due to this the loan grantor reported on my credit that i was delinquent on each student loan debt as the full amount is currently broken up into parts on my credit report. The forbearance/deferment request was accepted and on my credit is says that i was late to make the payments however this was not due to my own negligence but rather was due to the loan grantor and school not assisting me in a timely manner to get the request processed.
Product: Checking or savings account

On XX/XX/year> I received a wire transfer from XXXX XXXX XXXX to CitiBank in the amount of {$51000.00}. Upon receiving the transfer, CitiBank closed my account claiming fraudulent activity. I asked where the money that was just transfered to my account would go. They told me that a 60 day process would happen and then I would find out. No customer service nor fraud team member gave me any help or information. They claimed to have sent a wire transfer of the money back to XXXX XXXX XXXX but that never happened and XXXX XXXX XXXX has nothing showing they received any monies from them. I can no longer access the bank account and all of that money has either been held or stolen from me. They have tried to claim to cfpb that I was not the owner of the account which I have provided pictures of emails and such that proves I was the owner of the account until they closed it. I have been fighting to get this money back for years and I am considering filing a major lawsuit. Citi bank has responded in saying that they needed more paperwork before they could take the money from the sub ledger account and transfer it back to my bank. I have confirmation that Citibank has received that paperwork. I am asking now why or when the money is going to be transferred/wired back to the sender? Now that all the paperwork and criteria they stated they needed in the last response has been meant they should be able to send the money back.
Product: Credit reporting or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>2022 I was at work when i was call repeatedly by a bank of america number from my caller id. I answer on the third call when a branch representative said that my account was compromised and that i had toXX/XX/XXXX money from my account to another account set up for me. It was almost XXXX branch closing time so I couldn't just walk in to speak to someone. As I repeatedly ask questions on how this could happen, and if they really worked for BOA ; they would give a name and say that " we are on a recorded line " and i have dont have worry they are helping me. This conversation went on for about a hour, every questions I asked was answered like I was talking to a banker. Reluctantly I sent ( 4 )XX/XX/XXXX payments to myself, to a number with my name on it ; to save my own money. I sent a total of {$15000.00}. As soon as it was done, I called the number back which matched the number on the back of your debt card, they told me I was scammed and to file a claim with them. I had a few conversations with BOA about the case and after a few weeks they said it was nothing they could do about the loss. I don't know why money couldn't be traced to whatever bank it was deposited to and put on hold until the matter was resolved.
Product: Student loan

On XX/XX/2016 I was denied a XXXX  loan forgiveness request through Navient. The reason given is that I had taken out a second loan to pay for school after my first year of college. I had worked XXXX XXXX XXXX XXXX XXXX XXXX XXXX which qualified me for this loan forgiveness program. I want to know what recourse I have for this company unlawfully denying me the loan.
Product: Debt collection

I have received multiple calls and repeated letters to my parents house. When I asked the caller for more information on the specific service for which I owe, they are unable to answer or give me any details. To my knowledge, I have never done business with the client requesting the debt, and without a specific date and service rendered, I said I was unwilling to pay it. The last letter I received was dated XX/XX/XXXX. 

Separately, the tone of the letter is threatening and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2021 I sent over certified letters to all three credit bureaus Transunion, XXXX  and XXXX  in regards to incorrect information reporting to my credit report. Ive also sent over to them demand of comply letters and the companies have not complied to their own policies in a timely matter.
Product: Debt collection

XXXX has sold an alleged debt in my name to Credit Corp Solutions in attempt XXXX  collect a debt they have already charged off.
Product: Debt collection

Fay services account # XXXX began foreclosure procedures about 3 years ago. I and Fay mortgage services reached the approval of a short sale. The real estate agent for the transaction was XXXX XXXX with XXXX XXXX The property is XXXX XXXX XXXX, XXXX Il. XXXX. MLS # is XXXX. The mortgage was originated with XXXX XXXX. The property never closed for the sale. No one from Fay Services will respond by phone or in writing. I want Fay Services to take a deed-in-lieu of foreclosure. Or send me a notice that foreclosure was ceased and I have full authorization to list the house and sell it. I also want a payoff with a per dime.

Mostly I am certain that Fay Services have violated federal collection laws by insisting my only option was agreeing to foreclosure and not fighting them. Furthermore, they have been and continues to be deceptive. Please respond to me at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX XXXX  : XXXX, XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX.
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 consums rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Child SU # XXXX, XXXX XXXX Child SU # XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

1 5 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 follo wing 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 1 5 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 card or prepaid card

, In XXXX, my friend sent me a gift card, but I couldn't use it, I thought he needed to activate it, so I called the customer service representative and asked to activate my card. He agreed at first, and asked me to provide my address., but after I gave him the address he changed his mind and said there is a problem with my address. There are many recipients. This is my company 's address. There are many different recipients. This is normal. He asked me to submit proof of address and send it to the email address XXXXXXXX, and told me that I dont need to give me the case number, I just need to send it along with the card number, and I did so Yes, but I received a reply asking me to submit a case number. I said that I did not have a case number. The customer service said that I only asked for my address proof, without any news, My friend also called them to ask about the situation, and asked where he bought the card, my friend forgot, so there is XXXX XXXX here for so long, it belongs to us but cant be used by us, we need to provide proof, now The card in my hand is the best proof my card was still there but it couldn't be used, and the {$500.00} was taken
Product: Payday loan, title loan, or personal loan

I received a letter in the mail that named a person as trying to make changes to my account. The person named was not me and the letter indicated that no changes were made to the account. Which is wonderful. However, the person named as attempting to make changes to the account is the CEO of the company that I work for. This is troubling because he is not associated with my account in any way. He also DID NOT attempt to make changes to my account. I am not even certain how his name would have been associated with my account. I called Comenity this morning and they can not explain how the name was attached to my account. This is very troubling because the account has already had fraud reported on it that I did not report. This is the initial report that caused all of the problems. I am not getting answers from any of the customer service representatives because we do not speak the same language and do not understand each other. I want a full investigation into this.
Product: Debt collection

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. 
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. 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. 

Personify Financial XXXX XXXX US Department of Education
Product: Credit reporting or other personal consumer reports

According to XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX and Experian is supposed to ensure maximum accuracy. This account violates these laws, 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. Delete this account immediately.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This is a counter response to WF 's response to my original claim filed in XXXX WF is distorting the facts about my loan modification process and not owning the responsibility that because of how they handled the loan modification, this has put me in arrears of $ XXXX that they are now demanding I pay in full or I'll be facing foreclosure. They are refusing to work with me since I filed my initial compliant and as retaliation for filing my complaint. WF need to assume their role and responsibility in putting me in the position I'm in and resubmit my applicable for HUD partial claim that had been previously offered to me.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I found disrepancies on my report with XXXX XXXX, Equifax, XXXX Acct # XXXX the date of last payment says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry ony XXXX report from Kohl 's dated XX/XX/XXXX. I have tried unsuccessfully to get XXXX and Kohl 's to remove it. Both companies have received copy of FTC report I filed resulting in am extended fraud alert to my credit report. However, XXXX refuses to even open a dispute claiming I need to contact Kohl 's ( which I did ). XXXX refusal to open an investigation is a violation of the FCRA. When reaching out to Kohl 's I was assured the inquiry would be removed back in XX/XX/XXXX, as of Today it has yet to be removed despite both companies knowing it was an unauthorized inquiry. This is not only an FCRA violation but a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just want those fraudulent account off my credit report so I file a ftc report and upload the documents
Product: Payday loan, title loan, or personal loan

This company is charging a customary fee in amounts over {$400.00} every two weeks. There is no way I will ever be able to pay this loan off when I am only paying for this customary fee. Its is so much money. I was not made aware that I would be charged this fee. I thought that I would only pay an interest fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report of {$950.00} from XXXX XXXX XXXX on my credit reports. It shows account was opened XX/XX/2022. I was not in the states around this time due to a military XXXX, and did not make any purchases with {$950.00}, nor did I open any account to a company named XXXX XXXX XXXX. This collections report is showing on my XXXX and Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find incorrect accounts on my credit report, and I can't understand how they got there. I routinely check my credit report, but this time, discrepancies appeared out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the incorrect accounts remained. This issue has left me extremely concerned, and I'm requesting that the documents I've sent be reviewed thoroughly so I can finally stop worrying about this.
Product: Mortgage

I have made several attempt to settle this forbearnce agreement entered into during XXXX. US Bank has never given me options to add missed payments on the back, refinance, or modify amortization as was promised at the time they were offering relief from XXXX. 

Since before the expiration of our forbearance, I have been applying, and the only option US Bank gives me is " Short Sale. '' The home has been appraised 3 times for $ XXXX, we own $ XXXX. They are intentionally trying to drive me out of my house and steal my equity. 

I was an employee for 17 years, and I was openly XXXX. XXXX. The management of US Bank has targeted me intentionally because of XXXX leadership at the highest levels of this corrupt and lawless organization. I demand that CFPB do its job and step in front of this situation for a Consumer who is being persecuted via XXXX by US Bancorp. 

XXXX XXXX XXXX
Product: Checking or savings account

Well I was getting my eff payments thru bank of America and they closed my account because of the whole ID.me thing but I have a balance of over 2000 and I can't access it or transfer it because the account is closed
Product: Vehicle loan or lease

I have been banking with Navy Federal Credit Union since XX/XX/XXXX! Our history has been great until I realized that all credit cards and loans are fraud. I sent in several debt validation letters via certified mail and had no response from the company. After missing couple of payments for my auto loan, of course, they followed up with phone calls and letters. They even updated my credit score with negative payment/missed payments. Over the phone, they failed to provide proof of the debt and kept saying that I owe the debt. No original contract, no wet signature. In order to enter into a contract, two parties must sign, right? 
On XX/XX/XXXX : I decided to settle the debt ONCE again in form of a XXXX and XXXX which were both accepted by the Internal Revenue Service. Once again, no update from Navy Federal Credit Union nor have they settle out the accounts. Now Im here to report them here. They continue to deduct from my XXXX XXXX Checking Account. 

They can not lend us real credit, we're the creditors. All debts are FULLY repaid from day one. All loans and credit cards are fraud through deception. They monetize our signature and gave it back to us in form of a loan. 
Public Law and Public policy 73-10 Chapter 48 Stat 112 states that the U.S. Government is obligated to pay off all debts incurred by the American people.
Product: Checking or savings account

I received a PPP loan from the SBA in early XX/XX/. I had it deposited in the BBVA account ( which was originally an account I had with an online bank called Simple which was acquired by BBVA- which is now acquired by PNC or something ). The original amount was {$12000.00}. I started to make withdrawals according to the forgiveness rules of the PPP loan of $ XXXX as my " paychecks ''. After going through an arduous process of verifying myself each time I decided after the 3rd time to just get my money out of BBVA and move it to my credit union account. BBVA then claimed I had a $ XXXX  monthly withdrawal limit ( keep in mind, I didn't open this account with them, they acquired my account and applied their rules to it ). They originally told me my Simple ATM card would work but it never did and they wouldn't send me a BBVA ATM card. 

At some point in late XXXX they claimed there was suspicious activity and shut my account access down completely. After several calls to the " Fraud '' dept. I was told they had up to 45 days to " investigate '' and they couldn't give me any details. 

I waited until mid XXXX to follow up again and was told ( after sitting on hold for at least an hour 3 separate times ) that they decided to close my account and would be sending me a check for the remaining balance of $ XXXX. It's been almost a month and I still haven't seen any check and still can't get any answers from them. In the end they've held my remaining balance for 2.5 months and counting without ever telling me why. 

This was money given to me by the SBA as a loan but forgivable if I withdrew it in the proper manner which BBVA has completely interfered with and which may cost me the ability to get the loan forgiven.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXXT ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX  XX/XX/year>