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

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX accounts with DPT EDXXXX XXXX and XXXX. This has caused me tremendous XXXX XXXX, and financial hardship.
Product: Mortgage

PNC Mortgage does not have an online function to paydown mortgage principal. When I called customer service today, I was told that I could mail in the principal either by mail, use the phone, or access its branches. First, my concern with this is that this is the only reputable bank that claiming it does not have a system capability to let consumers to paydown principals only online. I understand that mail-in is possible, but the days during the mail transactions will add interest to my principal, and nowadays not many people even have bank checks disposable for transactions. Second, PNC 's phone payment requires XXXX per transaction and I was told that I could use the automated process. I tried this morning, it is difficult to use as I have to have routine numbers and account numbers in hand and if I mistakenly push a wrong number, it goes back to the original menu, and the process repeats. It appears to me that it is a function for customers who need to make payments immediately to avoid hurting their credit scores. Third, I live in NY. PNC is not available around my area. I only know that there are two in XXXX and we are currently a middle of the lockdown. Finally, I did not choose PNC to be my loan serving bank. It happened that my mortgage was sold to it so I have to use it. In my opinion, PNC Mortgage is trying very hard to discourage its customer from paying down mortgages. It is unethical. Unfornuately for me is that if I really want to switch my loan serving bank, I have to refinance my mortgage, which is costly.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIANXXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I had a good standing checking account and a credit card at Wells Fargo. I was a victim of fraud. Someone deposited a fraudulent check through an atm and cashed out on XXXX dollars, as soon as I bacame aware I contacted Wells Fargo to notify them of the fraud that took place in my account. I also paid the overdraft caused by this intruder. I called Wells Fargo multiple times to tell them to help me. All of a sudden I found that they closed my checking account and froze my credit card. They ruined my credit. I trusted them and they treated me as a thief. I was a victim. I want to file a class action law suit there may be many more victims out there. I went to the bank several times to try to fix this. All they told me is that it was bank decision to close the account.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le 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 by such agency of Experian. 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries
Product: Bank account or service

Please consider this a tri-fold final written request for validation and formal request under the Fair Credit Billing Act for a full accounting of all records for any and all accounts types regardless of within the your companies possession that are connected to the above referenced account numbers or, anything related to XXXX XXXX Additionally, I am requesting deletion of the trade line from my XXXX credit report if you are are unable to produce records per FCRA 623. within 20 days of receipt of this letter. This is my final request for you to respond with proper validation. Please cease and desist all collection activity and reporting on my credit reports. 

SEE ATTACHED LETTER SENT CERTIFIED MAIL. 

cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX
Product: Student loan

I am submitting this formal complaint and demand for immediate student loan forgiveness due to the violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) by the U.S. Department of Education ( DOE ) and its unauthorized association with the Department of Government Efficiency ( DOGE ), led by XXXX XXXX. As recent reports indicate, DOGE has unlawfully accessed student loan records, compromising sensitive borrower information, including mine. 
As a federal student loan borrower, I have the right to privacy regarding my educational and financial records. The unlawful access and potential misuse of my student loan data constitute a serious violation of FERPA. This breach has eroded my trust in the integrity of federal student loan management and has created significant risks, including identity theft, unauthorized loan modifications, and financial harm. 
Given the egregious nature of this breach, I formally demand that the CFPB take the following immediate actions : XXXX. Full discharge and forgiveness of my federal student loans due to the governments failure to protect my data. 
XXXX. A formal confirmation of whether my records were accessed or compromised. 
XXXX. A full report on how my data has been handled during this breach. 
XXXX. Immediate enforcement actions against those responsible for this violation.

This FERPA violation constitutes gross negligence by the Department of Education and DOGE, directly impacting my financial and personal security. Due to the governments failure to safeguard my data, I am no longer obligated to repay these loans and demand full forgiveness. 

Please confirm receipt of this demand and provide a timeline for loan forgiveness and resolution. I expect swift action on this matter and will pursue further legal avenues if necessary.
Product: Debt collection

I have sent dispute letters multiple times via certified mail to have this item deleted from all credit reporting agencies. I am being sent information that is not validation that the debt is indeed mine according to the law. A statement of charges and/ or a balance on a letter head is not sufficient documentation of validation.
Product: Credit reporting or other personal consumer reports

In XXXX my identity was stolen and I made a report on XX/XX/XXXX at XXXX. On XX/XX/XXXX I logged onto the Experian website to check my credit score and found several misinformation, they are as follows ; XXXX. There ware five accounts affixed to my name ( XXXX of which I do not recognize ) ( a ) XXXX XXXX XXXX Id # XXXX ( b ) XXXX XXXX XXXX Id # XXXX ( c ) XXXX XXXX Id # XXXX and ( d ) XXXX XXXX Id # XXXX XXXX. XXXX names that are not mine and I have never used are also attached to my XXXX XXXX ( a ) XXXX XXXX - Id # XXXX and ( b ) XXXX XXXX Id # XXXX XXXX. There are XXXX addresses affixed to my account that I have never lived at. They are as follows ; ( a ) XXXX XXXX XXXX XXXX XXXX Dc XXXX Address Id # XXXX ( b ) XXXX XXXX XXXX XXXX TX, XXXX Address Id # XXXX ( c ) XXXX XXXX XXXX XXXX XXXX CA, XXXX Address Id # XXXX ( d ) XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX Id # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address Id XXXX XXXX ( f ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX Id # XXXX ( g ) XXXX XXXX XXXX XXXX XXXX XXXX Address Id # XXXX These errors are affixed to debts that I have not incurred upon myself which in turn caused my XXXX XXXX to be decreased.
Product: Credit reporting

A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries found on my credit report that are fraudulent, listed as follows : XXXX. XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX. Experian XXXX XXXX  XXXX. XXXX XXXX
Product: Checking or savings account

I have a checking account ( ending in XXXX ) with Chase Bank and up until the end of last month, had a checking account ( ending in XXXX ). I was surprised to find my account had been changed from a savings to a checking account without notice sometime in late XXXX. I had never had this happen before ( in the past the account has just been closed ) so I didn't want any of my money in an account I did not know and had not authorized. I got a savings account for the purpose of having bills and other monthly payments set to autopay so that I am a little less stressed come time for them to collect. I contacted the vendors I have set to take money out on autopay each month from the account ending in XXXX, letting them know that there was a temporary account change for payment untilI could figure out what this new account was and how to reinstate my savings. 

After doing research, I discovered that Chase will do this if I have exceeded my withdrawal limit for the statement period. I didn't argue or question this change because I was honest about my account activity that last month and was fine to continue on with two checking accounts until I could get a checking. Unfortunately, my car insurance company was not so quick to turn over the account information and my monthly payment was deducted from the now checking account ending in XXXX. This put my balance for that account in the negative which also resulted in my account being charged an overdraft fee. Though I was annoyed, I accepted this charge and again, didn't argue it's validity. 

It wasn't until this morning when I checked my bank account that I noticed my first checking account ( ending in XXXX ) now had a balance of {$0.00}. Apparently, my car insurance made another attempt at collecting money from the account ending XXXX and once the money had been taken out XXXX or more like the negative number of the account increased XXXX, Chase also removed whatever was left in my first account and deposited it into the account ending in XXXX. 

I have never authorized this activity, whether it be a purposeful transfer or an automated one. What I DID authorize was for Chase to stop processing transactions should my account balance exceed - {$300.00} but that also never happened for either account. I am beyond annoyed with all the change that has happened to my account over the last month but now I'm furious that MY money is being moved around in ways I never approved.
Product: Debt collection

Snow and Saugerteig contacted me on XX/XX/2022 and left a voicemail to call back at XXXX am I called back at XXXX pm asking what the phone call was about. The representative stated a medical debt. I asked for a debt validation letter with copies of all the original documents showing my signature of this alleged debt. The representative stated they have sent me letters, which as of today I have never received. Then the representative stated they would only send me the letter if I send them a return postage envelope. I stated once again than can send this letter to my address. Or the can send me a letter of deletion if they can not validate my debt. She then stated the collection would continue. I explained that if she continued to harass me I would get a lawyer involved.
Product: Checking or savings account

XX/XX/XXXX. 
XXXX deposited in my account XX/XX/XXXX was the first withdrawal in the account for XXXX that was unauthorized. 
XXXX XXXX preauth XXXX XXXX XXXX Balance was XXXX Reversal transaction XXXX XX/XX/XXXX XXXX XXXX XXXX  transfer XXXX / XXXX to my credit karma positive. 

Withdraw XXXX XX/XX/XXXX XXXX dollars Withdraw XXXX XXXX XXXX preauth XXXX XXXX XXXX XXXX Reversal transaction XXXX XXXX XXXX XXXX I put in XXXX something all I got was XXXX back should have had around XXXX back l never got it back. Today is XX/XX/year> All in good faith, its pretty wonky. It told me I would receive my money in 3 business days still didnt see it. 

All this I believe is true in Good Faith and by anyone who reads this agrees to resolve this transaction problems with proper communication, and not legal action first. Let us resolve in common sense, or companys agrees be subject to subpoena for the truthfulness and reasonableness of accurate information and what resolves there in.
Product: Mortgage

XXXX XXXX XXXX claims to have billed Flagstar Mortgage for my policy. Flagstar claims no bill was recieved. Flagstar claims a partial payment was made but returned by XXXX XXXX. So the policy was cancelled, this is the second time this has happened. the first time XXXX XXXX reinstated a policy i cancelled instead of applying the funds to the proper policy. i called all parties about the change in policies. It was not until a claim was made and the deductible was XXXX higher than the replacement policy i purchased, When i called about the deductible I realized the old policy was back. Both parties just pointed fingers and refused to accept responsibility. It wasn't until I said I was calling the Atty General that XXXX XXXX stepped up and corrected the problem. Flagstar raised my house payment by XXXX per month to insure escrow would balance with the new policy amount. This wasXX/XX/XXXX, the same thing has happened again. In XX/XX/XXXX, I was charged XXXX for a policy supplied by Flagstar when they should have just paid the XXXX one. The 2 of them are blaming each other. In the meantime. XXXX XXXX says they can not reinstate the policy. I feel i should not have to pay the XXXX difference in the cost of the Flagstar insurance due to errors on the part of these 2 companies. I just realized I'm being charged this new amount. I'm getting the same runaround I got the first time they did this. No one wants to admit an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago the credit bureaus announced all over national media that collections {$500.00} and under, and also collections that are PAID would no longer report on consumer credit reports. I have a collection from XXXX XXXX XXXX XXXX reporting on my Equifax credit report. I sent Equifax a letter about this collection that is PAID OFF and was only for {$79.00}. They made a promise to the general public those would be removed starting XX/XX/XXXX, I looked at my Equifax credit report and that collection is still reporting after my letter and as of today XX/XX/XXXX it is still reporting. It looks like Equifax is going back on its promise to the general public. I have sent them another letter today to remind them of this promise.
Product: Credit reporting or other personal consumer reports

Hello, my credit report have been pulled up by these companies without my authorization nor consent and this has hurt my credit. I have contacted TransUnion and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting or other personal consumer reports

I was checking my report and I saw that several inquiries were made under my name but were not mine on XXXX, Transunion and XXXX. I was able to talk to XXXX and they were able to remove XXXX of them but Transunion and XXXX just ignored me and mentioned I needed to talk to the creditors. The XXXX accounts that are not true are XXXX XXXX which i did open an account in XX/XX/XXXX and is reporting but it shows i applied again in XX/XX/XXXX. That is false no reason to apply for the loan when i was already approved before in XX/XX/XXXX. Same thing with my XXXX  XXXX i have an account from XX/XX/XXXX that i was approved and it says another account was tried to be opened in XX/XX/XXXX So that one needs to be removed. In Transunion is XXXX XXXX in XX/XX/XXXX and XXXX XXXX in XX/XX/XXXX. I have a XXXX Account with XXXX and i just now opened up a personal credit card in XXXX that XXXX in XX/XX/XXXX is incorrect. 

Please help as my I have been a victim of several mail Theft where my mailbox has been left open and also i have picked up my mail on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX 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 Balance Owed : {$0.00}
Product: Debt collection

Spring oaks capital llc This should not be added as collections on my credit, it is from XXXX and Im not sure what it is but I should not owe anything to this company
Product: Mortgage

I've contacted Caliber loans over the past six months, in at least four phone calls to remove PMI. Each time, I was given conflicting information. Since I was unable to get an appraisal done, I ended up paying down the mortgage to under 78 % of the original value on XX/XX/XXXX. Since the inception of the loan, I've never made a late payment, usually paying several months in advance. On the day the payment was posted, I contacted Caliber to let them know that PMI should automatically be cancelled. Since then, my next payment still shows the PMI payment amount.
Product: Mortgage

I refinanced my home on XXXX XXXX, 2014 with New Penn Financial. In the mortgage document that was executed was an automatic payment enrollment form that states that I can have XXXX Mortgage Servicing ( New Penn 's mortgage servicing arm ), withdraw funds from my checking account biweekly on the start date that I specify. I specified XXXX XXXX. ( By having funds withdrawn bi-weekly, I pay down the principal faster. ) XXXX did not withdraw on the XXXX but waited until the XXXX. I objected that the XXXX was out of sync with my payday and that I wanted the agreement honored. They stated that they only draft accounts on XXXX dates each month and that I had no choice what date they drafted. When I objected they took me out of the biweekly withdrawal program and charged me a late fee. 

I 've been paying biweekly on my paydays since but because I out of sync with their schedule they charge me a late fee plus I am not getting the principal advantage because they do not honor my payments a paying down the principal. To get this advantage they say that I 'd have to pay an additional XXXX up front. 

I want them to honor their agreement, deduct my account on the date specified in the mortgage agreement, and credit my account with principal pay down. 

I 've filed XXXX Better Business Bureau complaints and they 've failed to respond to either. 
They call to remind me that my payment is late every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My only names are : XXXX XXXX XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA My current phone number is : ( XXXX ) XXXX My current Employer is : SSIRETIREMENT Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I have a credit card through Fidelity which is operated by Elan Financial Services. Elan Financial Services hides something in their membership documents - something that isn't available online - that rewards are capped at 150,000 points in a reward year. This isn't something you can see in your online account - you actually have to special request your membership agreement which takes them more than a day to provide for you. At some point in XXXX, I must have hit this hidden limit, and they stopped crediting points on to my account. They made no attempt to notify or warn about this - there were no emails, nothing on my statement, etc. It was just silently " no more rewards ''. I didn't notice this for a few months, and so their practice cheated me out of about XXXX XXXX  in rewards until I did notice it. At that point, I called and their reply was we'll look into it and send you something by mail in 10 business days. 

This is a deceptive practice. It's not exactly a hidden fee, because it's not a charge, but due a hidden condition, and with no warning, they cheated me out of many hundreds of dollars. I'm not really expecting recourse, but others should be warned that this is not a company you want to to business with. I've been a customer of the Fidelity credit card for about twenty years - though I think they transferred it over to Elan about a decade ago - and my only recourse is to deny them all revenue associated with what would have been years of future use of their credit card. So I guess that's what I'll have to do.
Product: Checking or savings account

Charged me on a small expense account checking account. over {$1700.00} in OD fees. Charged me ridiculous charges + $ XXXX daily for XXXX consecutive days during a time where I was hospitalized.