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

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00}, XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have contacted Transunion about the XXXX account and informed them that the account has been settled since XXXX XXXX, and they have yet to take it off my credit report, I filed several dispute and the results are always the account is still open with a balance, Transunion is refusing to take it off my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account numbers for equifax : XXXX XXXX Account numbers for Transuniuon : XXXX Reporting on Equifax, transunion Reported balance {$0.00} Account status : Indicated pays as agrees however i am unfamiliar with this account and it does not belong to me Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX CLOSED ) Account Numbers Equifax XXXX XXXX Account numbers for transunion : XXXX Reporting on experian Account Status PAYS_AS_AGREED Reported Balance {$0.00} Account status : Indicated pays as agrees however i am unfamiliar with this account and it does not belong to me XXXX XXXXXXXX XXXX XXXX XXXX CLOSED ) Account Number XXXX XXXX Account number first part : XXXX Reporting on : Equifax, Transunion Reported Balance {$360.00} Account Status CHARGE_OFF Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CLOSED XXXX Account Number Equifax XXXX Account numbers for Transunion : XXXX Reporting on Equifax, transunion Reported Balance {$0.00} Account Status PAYS_AS_AGREED Date closed : XX/XX/XXXX XXXX XXXX ( CLOSED ) Account Number Equifax XXXX XXXX Account numbers for Transunion and experian : XXXX Reporting on Equifax and transunion, and experian Reported Balance {$1300.00} Account Status XXXX  Date of First Delinquency XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER TRANSUNION XXXX Reporting on Transunion Date Opened XX/XX/XXXX Balance {$410.00} Pay Status XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number Transunion XXXX Reporting on transunion Date Opened XX/XX/XXXX High Balance {$300.00} Pay Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reporting on Transunion XXXX Date Opened XX/XX/XXXX Balance {$2000.00} Pay Status XXXX XXXX XXXX Account numbers transunion : XXXX Reporting on Experian date opened : XX/XX/XXXX Balance {$680.00} Status : Charged off Credit bureaus reporting these accounts : Experian, TransUnion, and Equifax Actions taken : The accounts listed above have been disputed several times and concurrent CFPB reports have been filed aimed at Experian, Transunion and Equifax to have them removed, this time I have taken measures in seeking legal council and litigation will commence as a result if these accounts are not removed within 30 -45 days in accordance with FCRA guidelines for response times permitted. as a result of the several data breaches known to date whom all 3 credit bureaus have been exposed to this has created an environment for consumers like myself to be impacted financially with no resolve and left to bear the brunt of said negligence by the 3 major credit bureaus.
Product: Mortgage

I sold my home on an assumption of my XXXX XXXX. It was originally scheduled to close in XX/XX/2022. Because of errors by XXXXXXXX XXXX, the closing was not finalized until XX/XX/2022. In speaking with people from XXXXXXXX XXXX, the delays were because the company had lost all of the people who knew how to handle assumptions. I was required to make the mortgage payments and all utilities for XXXX, XXXX and XXXX. I was on an automatic withdrawal from my checking account and Freedom Mortgage withdrew another payment for XXXX. The closing date for the sale was XX/XX/2022. 
I have been trying to get a refund for the payment they were not authorized to take for the last XXXX weeks. Every time I have called them, I get various routings of my call and have been told to contact Loss Mitigation by email. When I send the email outlining the problem, I only get an automated reply, telling me to call the same number I have called dozens of times.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled MERIDIAN FINANCIAL SVC XXXX AND MERIDIAN FINANCIAL SVC XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Debt collection

As a co-signer on the loan, the primary defaulted ; however, the lending company did not use my driver 's license information ( on file ) to send documents to my address. Instead, in violation of 806 and 805, a sheriff was sent to my place of employment and the summons handed over ( not in an envelope ) to my HR Manager. My personal information was handed over to a third party at my place of employment. I would like to file a complaint since the summons was not sealed and any individual in HR could leaf through the documents and by contacting me at work rather than at home, I consider this a form of harassment. 

It appears as though an administrative error occurred during the paperwork process which showed my address incorrect - the house number and street was correct, but the city and zip code was erroneously typed by the clerical staff at Republic Finance. The proper information ( copied on my driver 's license ) was never provided to the Sheriff 's department to deliver the summons. The sheriff was instructed to deliver to my employer rather than contact me at home. As such, the summons was drawn up on XXXX XXXX but the documents not sent to Sheriff until XXXX XXXX - therefore, I have lost my 30 days to respond. As a co-signer, I recognize that I now am responsible and I am willing to make arrangements, but I need to receive the proper notification and have the time to respond. I would like my 30 days back to address the summons and I would like a formal complaint lodged against both Republic Finance and XXXX XXXX XXXX. 

Finance Company - Republic Finance, XXXX, XXXX XXXX XXXX - XXXX, XXXX, MS
Product: Checking or savings account

On the night of XX/XX/XXXX while passed out I was robbed by a date in my apartment who proceeded to XXXX themselves {$2000.00}. 

When I regained consciousness about an hour later, I found that my date and phone were gone. Upon checking the status of find my XXXX  my device was miles away heading in the direction of his home. Thanks to my XXXX XXXX I also saw a notification indicating that there had been a XXXX transaction from my JP Morgan Chase account to this person. Realizing this person must have memorized my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I quickly called XXXX and Chase to report the theft and fraud. Chase was unable to stop the payment despite how little time had passed. I recounted the story and was told that Chase would be launching an investigation and, in the meantime, would disable my online banking and XXXX. 

I was able to gather the information I had on the suspect in addition to XXXX XXXX footage from my neighbor that showed the suspect sneaking out of my apartment and running away, which was enough for the police to seek a warrant for his arrest on the felony charge of grand theft. 

However, on XX/XX/XXXX I was notified by Chase that my claim was denied on the grounds that it was an authorized transaction because their investigation showed that : The transaction occurred on my phone/from my ip address, and occurred through my chase app. 

I was shocked because obviously being that I was rendered XXXX, and my device was stolen, of course the transactions would occur from my device and IP address, I was XXXX  and not able to authorize such charges. 

Further I'm confused by the fact that this transaction went through with no flags given : Ive seldom used XXXX, The unusual login activity, I have no history of sending sums that large, and The amount was over 60 % of my available checking account. 

I was told by a Chase representative that I could contest the claim by mailing in any documents that support my case. Given the amount of money involved and the fact that my rent is due and I did not receive a temporary credit, I asked if there was a faster way such as email but was told mail was the only way. However, when I later called to verify the address, the second representative told me I had the option of having a branch employee Fax the forms over refuting the previous representatives claims. 

I proceeded to fax over the following documents : Police report and victim release, XXXX stolen phone claim, GPS Location history showing the last known location of my phone shortly after the crime, and Ring footage depicting the arrival and departure time of the suspect I've yet to hear from Chase. After being a Chase customer for over 10 years, Im still in disbelief over how little regard they have shown. Theyve truly managed to make a terrible situation all the more stressful, increasing my feelings of XXXX XXXX XXXX XXXX XXXX after an incident that could've easily resulted in my death had the circumstances been different.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelle handling disputes particularly in light of the recent CFPB lawsuit. Despite using Zelle regularly, my financial institution and zelle failed to handle my claims adequately. I was informed that retrieving lost funds was impossible and they were unable to track those transaction. The CFPBs findings indicate that zelle has not only neglected to protect consumers but had allowed repeat offenders to exploit their system, leaving users vulnerable to scams. The lack of accountability is unacceptable.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, XXXX from 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 an account without my written instructions.

This account reported on my credit report is a fraudulent account.
Product: Student loan

MOHELA has repeatedly been negligent in processing applications and in communicating about serious loan and application issues since spring XXXX. Details : I have {$66000.00} remaining in student loans, starting from XXXX. My servicer has been MOHELA for some time now. I signed up for the XXXX program in XX/XX/XXXX. Following the steps provided, I consolidated my student loans, and that consolidation went into effect XX/XX/XXXX. However, MOHELA did not inform me of my payments due ( when I checked out of curiosity, I was shocked to find I was overdue on payments, which I quickly paid ), and did not process my XXXX plan application. I can still see my original XXXX  plan application, which has been " in review '' since XX/XX/XXXX, despite my having completed all the consolidation and application steps required in XXXX. I just now RE-APPLIED to the XXXX program, after months of believing I was already in ( since the steps were completed and the consolidation took effect in XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX veteran with a XXXX XXXX XXXXXXXX rating. XXXX XXXX XXXX has continued to place collection accounts on my credit reports. Some have been removed and replaced with different amounts and some placed on other credit reports with different credit bureaus. I have disputed the same accounts so many times that I no longer have the option to dispute them with the credit bureaus. Please any help with this matter would be great.
Product: Mortgage

My home sustained severe damage from Hurricane Michael in XXXX of 2018. I filed a homeowners claim with XXXX XXXX XXXX immediately. Insurance came to inspect and wrote me three checks which seemed insufficient to cover the repairs. I tried to contact my insurance company over a period of months regarding their estimate and the man handling my claim would never return my calls. After getting tired of waiting, I hired a public adjuster to help me with my claim ( XXXX XXXX XXXX XXXX ). Long story short, the insurance company and the public adjuster reached an agreement and they sent a check made out to myself, the P.A., and Selene Finance ( my mortgagee ). I sent the check to Selene Finance after the P.A. and I endorsed it about a month ago. This check was for {$90000.00}. Now Selene has over {$110000.00} total that I've sent to them from insurance. ( The contractor 's estimate is {$95000.00} ) Selene Finance is refusing to release funds to cover the 10 % fee charged by the public adjuster.
Product: Debt collection

I received multiple calls prior to this incident. on XX/XX/2023 at XXXX XXXX ( PT ) I received a call about an amount owed per a debt that I allegedly owe. 7 minutes later my mother received the following text message from the same number ( XXXX ) : " A claim was forwarded to my office with recommendation that a judgement & wage garnishment be filed against you for the allegations of Improper banking practices, theft by deception and attempt to defraud a financial institution. We would like to get a statement on these allegations. Please contact our offices as soon as possible. '' This same text was also sent to my cell phone as well. I am furious that a company would send this message about an alleged debt I owe to my mother or anyone that is not me directly. 

I called back and was able to verify the following information : Company name - Global Solutions ( Phone ) XXXX ( Fax ) XXXX XXXX Company address : XXXX XXXX XXXX XXXX  XXXX XXXX, Georgia XXXX I have attached a screen shot of the exact text information I received. It has my name on it as well.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous attempts to address the issue of fraudulent items on my account. Regrettably, despite my persistence and your assurances, the problem remains unresolved. 

Despite my efforts to report and rectify these issues promptly, the fraudulent items persist, causing significant concern and inconvenience. 

I urge you to escalate this matter immediately and take all necessary steps to investigate and remove the fraudulent items from my account without further delay. Additionally, I expect transparent communication throughout the process to ensure that appropriate measures are being taken to prevent similar incidents in the future. 

Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by these fraudulent activities and the prolonged resolution process. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2400.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Item is still showing on my credit report as negative information even though bankruptcy has been discharged since XX/XX/2018 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm 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 XXXX 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

There is an account on my Experian credit report labeled as " XXXX ''. That credit card was stolen in early XXXX, and after I cleared up that incident with the company, there was no amount due, and no late payments. I have never had an amount due or late payments on any accounts, to show a pattern of my financial history. I requested to close my accounting XX/XX/XXXX and was notified by their legal and customer service departments that my account was indeed closed with nothing due and never being late. However, the company fraudulently opened the account in late XXXX without my knowledge or approval. They then reported an amount due late payments after my account had been closed. I provided the proof of information, from XXXX, to Experian showing that my account was closed in XXXX of XXXX, and therefore couldn't be late in XXXX of XXXX or in XXXX. Experian took no action. I notified Experian that failure to correct the information was a violation of the Fair Credit Reporting Act ( FCRA ), and still they took no action. As a result, a mortgage was processing for a purchase of a home, and that loan company increased my rate due to this potential negative information that was false, yet Experian refused to remove. Before I take further legal action, I ask CFPB to take this matter to Experian to both update my report to include the correct information and to pay for the increased costs that I have been burdened with due to the illegal non-action of Experian, which is essentially aiding in the fraudulent activity of XXXX XXXX and XXXX
Product: Mortgage

It has been an ongoing situation with US Bank. We just found out yesterday that the loss mitigation has been denied. We sent in a mortgage payment and they sent it back to us. They accepted the last months payment. We have sent in many documents that they have requested of our finances and they still say that there are documents missing. I firmly believe that the right hand does n't know what the left hand is doing and they are letting papers fall thru the cracks. I have sent them by registered mail and all I get for a signature is a squiggly line when it specifically says print and signature needed. 
US Bank has assigned us many relationship managers to deal with us and when they assign us another RM we have to explain all over again to that one. Then we get a call from US Bank that everything looks good and that they do n't need anything else. 
Please help! We are tired of all of their wishey washey dealings.
Product: Checking or savings account

I signed up for the checking account bonus with Citi, which was to open an account, meet the minimum deposits and spending and received the XXXX XXXX XXXX miles XXXX days after completing the terms. 

I completed all the steps in XXXX and should have received the bonus in XXXX. I contacted Citi XXXX times and was told I qualified for the bonus but they did not know when I would get my miles. I was further told that I would have the miles by XX/XX/XXXX, which was significantly later than the terms, but either way I have not received the miles. I keep getting the runaround.