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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : EQUIFAX XXXX XX/XX/year> Account number : XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
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 XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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: Debt collection

at XXXX on XX/XX/19 I called the collection company to offer to settle the debt for 50 % since I am unemployed and still recovering from XXXX. 

The man on the phone refused to work with me. 

I then told the man to cease and desist contacting me, that I would work with the original doctor 's office that I owed. 

The man then called my cell phone twice after I told him to cease and desist ( records available ).
Product: Debt collection

I have not been supplied any proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Checking or savings account

Sold one of my cars and deposited check into Navy Federal. Waited for check to clear and when it did I attempted to withdraw some cash while on vacation to buy another car. Bank froze all of my accounts, blocked me from online and in person and ATM and credit card access. Unable to use any of Navy Federal accounts or services or my money in their systems. Fought with bank for hours on the phone and did not get reason or justification why all my accounts were frozen and halted. It was weeks before I could gain access to money and services again with Navy Federal. Still do not have justifications or reasons.
Product: Mortgage

During the course of my mortgage, there have been several occasions where I have fallen behind on my payments. Each of these times, the mortgage company offers to assist with the problem BUT they have repeatedly tacked on charges in the amount of {$5000.00} or more saying it is legal fees incurred by them for starting the foreclosure process? My mortgage has gone from the original {$90000.00} up to around {$150000.00}. How can they do this? I have been amiss in doing anything about this because I have felt like I was at their mercy and because I HAD TO HAVE a home to live in. Can you help in any way?
Product: Credit reporting or other personal consumer reports

Debt is past the statute of limitations of XXXX  years. Company will not remove. 
Payment information is not correct. I never entered into a contract with this company to have a payment history.
Product: Credit reporting or other personal consumer reports

I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " XXXX and FERPA : Did Doge Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records. 
As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures.
Product: Debt collection

I am writing to formally request your assistance in addressing a serious violation of my consumer rights by MG Credit. On XX/XX/year>, I formally disputed a collection account reported by MG Credit. Despite this dispute, MG Credit has continued to contact me via emails and phone calls, demanding payment for the alleged debt. 

This behavior is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S. Code 1692c - Communication in connection with debt collection, which prohibits debt collectors from communicating with consumers regarding disputed debts without verifying the debt and ceasing collection activity during the dispute resolution process. Additionally, their actions contravene 15 U.S. Code 1692e - False or misleading representations, as continued attempts to collect on a disputed debt can be deemed as deceptive and unlawful. 

I have repeatedly informed MG Credit that this debt is under dispute, yet they persist in their collection efforts. This harassment has caused undue stress and demonstrates a blatant disregard for federal consumer protection laws. 

I respectfully request that the CFPB intervene in this matter by : 1.Investigating MG Credit for their violations of the FDCPA. 
2.Mandating the immediate removal of this collection account from my credit report.
Product: Vehicle loan or lease

Leased a new vehicle under a 3 year lease on XX/XX/XXXX. Lease matured on XX/XX/XXXX. Lease agreement contains a purchase option at end of lease term with a stated purchase price. Lessee has no record of my lease agreement and therefore is unwilling to allow me to purchase the vehicle at the stated price. They have an unexecuted substitute lease agreement with a higher purchase price. 

All attempts to try to resolve the purchase price dispute have failed. I have furnished them with a copy of my original signed lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX consumer, natural person, living person is giving written instructions to Experian to remove and cease furnishing any and all reporting activities in regards to the accounts above.
Product: Checking or savings account

I usually get paid on Thursday, which did not happen at all! Then I went on the capital one mobile app to see then at the top I see there is a services problem or whatever. Then an email was sent a day or two after what had happened, happened. So now its Friday still no money, they told us itll be resolved by this morning were going on XXXX XXXX now.
Product: Credit reporting or other personal consumer reports

I see that minimal changes were made to my report, and there are STILL Multiple INACCURACIES and FRAUDULENT ACCOUNTS on my REPORT, when I looked at my report on XX/XX/year>. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. Please REMOVE these accounts 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


- { XXXX  XXXX XXXX } Open date is not reporting correctly, date last active, date of last payment is Not correct, this account is Not accurate, Reporting Collection/Charge off MULTIPLE MONTHS is an UNFAIR REPORTING PRACTICE according to 15 U.S. Code 1681 ( a ) - { XXXX XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is Not correct, this account is Not accurate, Reporting Collection/Charge off MULTIPLE MONTHS is an UNFAIR REPORTING PRACTICE according to 15 U.S. Code 1681 ( a ) XXXX { XXXX XXXX  XXXX } Open date is not reporting correctly, date last active, date of last payment is Not correct, this account is Not accurate, Reporting Collection/Charge off MULTIPLE MONTHS is an UNFAIR REPORTING PRACTICE according to 15 U.S. Code 1681 ( a )
Product: Debt collection

ERC collection services, sent a collection notice to my parent 's address. I believe this was an attempt to avoid the mandatory validation period. My current address has been the same for 6 years and it can be verified on my credit reports. My mother just sent forward this notice to me on XXXX XXXX, 2016. This letter was sent to my parent 's house on XXXX XXXX, 2016. This was an obvious attempt to circumnavigate the validation process, by sending it to my parent 's address. Derogatory marks concerning this notice has appeared on my credit report. This is in violation of the Fair Debt Practices Act, because I never had an opportunity to seek debt validation.
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Need these unauthorized inquires on my credit report need them deleted and removed
Product: Mortgage

To prevent the borrower ( XXXX XXXX XXXX ) from taking advantage of his rights and prevent a notice of default being issued and putting me at risk of losing my home in foreclosure, the lender and/or the lenders agent have committed the following illegal acts and violations.1. " In violation of Section 6 of the .... ( RESPA ), under Section 6 of RESPA, lender did not acknowledge my timely request within 20 business days. " Lender DID NOT and HAVE NOT acknowledge my timely request to date, long past the period required by the Act, to take advantage of my rights and prevent a notice of default being issued and putting me at risk of losing my home in foreclosure.2. The lender violated XXXX XXXX, when he and his authorized agent ( same as above ), committed perjury under the laws of the state of Washington, when they stated, under penalty of perjury, that he " the beneficiary or beneficiary 's authorized agent has exercised due diligence to contact borrower, ( me ), as required in XXXX XXXX ( XXXX ) and the borrower did not respond ''. Lender ( XXXX XXXX XXXX ) DID TIMELY RESPOND, to take advantage of my rights and prevent a notice of default being issued and putting me at risk of losing my home in foreclosure.3. In violation of XXXX XXXX, the lender and/or his authorized agent illegally filed a NOTICE OF DEFAULT. Attached are copies of BORROWER 'S proofs that the lender and lender 's authorized agent did commit the illegal acts stated above.
Product: Checking or savings account

XX/XX/year> I initiated a transfer of {$35000.00} from my Marcus account to my XXXX  XXXX XXXX account. 

XX/XX/year> The transfer was reversed, and my account was placed on temporary hold. I contacted Marcus, but they informed me that they were unable to authenticate my identity using my phone number and state ID. They stated that a case would be created and that it could take XXXX business days for them to reach out to me. I called a second time, explaining the urgency as I am leaving the country soon. They assured me that I would be contacted within XXXX business days. However, I did not receive any communication until XX/XX/year>, when I called them again. At that time, they repeated the same excuse, stating that they were waiting for the back office to create security questions for authentication. 

XX/XX/year> I contacted Marcus once more. They still could not authenticate me because my phone number and New York state ID were not accepted by their system. Despite making XXXX separate calls, my issue remained unresolved. 

XX/XX/year> I called again, only to be told once more that the resolution would take another XXXX business days. This response is particularly frustrating, considering that it has already been XXXX  days without any progress. They also stated that they will be holding my money until I'm authenticated which I'm not sure when it's gon na be.
Product: Credit card or prepaid card

After having my phone service hacked and my bank account defrauded, I have received XXXX credit cards that I did not apply for. They include credit cards from Navy, federal, XXXX, XXXX and XXXX. And my email was changed without my knowledge at my phone service from XXXX to XXXX.
Product: Mortgage

1. Refusal to refund the appraisal fee they charged my credit card. I explained the appraisal was paid by another lender at closing and the appraiser was ok with that. 
2. Charging XXXX points on Closing Disclosure 3. Two appraisal fees on Closing Disclosure, and a final inspection fee. I only had one appraisal, and no additional inspection was required. 
4. Closing was scheduled without getting updated number or anyone discussing with me. 
5. I can provide documents unable to upload. 
.
Product: Debt collection

As of XX/XX/XXXX I owed XXXX cents to the state of Indiana .. on XX/XX/XXXX th XXXX XXXX of XXXX XXXX XXXX placed a hold on my Checking account for XXXX  plus I was charged XXXX they also garnished my check on XX/XX/XXXX XXXX  and XX/XX/XXXX XXXX  I reached out to them multiple times either they are too busy and it tells you to leave a message which i did two weeks ago never received a call back so basically they have attempted to take XXXX Dollars plus for XXXX dollars I also contacted the state of Indiana as well and was hung up on by a rep which I am contacting the states attorney office next
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : {$450.00}, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance : {$32000.00}, Bankruptcy XXXX  XXXX Reference XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 2 years Sequoia Financial Services has been reporting several negative medical collection accounts under my name. I really believe it's someone with the same name because they can not successfully verify these counts belong to me. Please help me. 
Over the last 24 months, I have requested proper investigation and correction of these inaccurate reportings MULTIPLE times to absolutely no avail. We are now looking to purchase a home in the current market and it is IMPERATIVE that this is corrected immediately. Please help me. Since Sequoia refuses. Now they just don't even bother to reply to my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and Transunion is charging {$5.00} every time I want to lift a freeze temporarily on my Transunion Credit report. XXXX and XXXX don't seem to do this. 
Given the breach of these reporting agencies this should not be allowed in my opinion. 
Thanks,
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me 120 days past due on the XXXX ( starting on page 14 of the attached credit report ) - partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. 

XXXX and Transunion are incorrectly reporting me 60 days past due on the XXXX XXXX ( starting on page 32 of the attached credit report ) - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX  and Transunion are incorectly reporting me 30 days past due on the XXXX   ( starting on page 32 of the attached credit report ) - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

This incorrect reporting is harming my credit score. It is impossible to be 30 - 120 days late on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit card or prepaid card

I had to get a XXXX done a XXXX to be exact due to XXXX XXXX  the procedure happen on XX/XX/2022 and wells fargo didn't give me any hardship for my credit card payments forbearance for not making my credit card payments i explained to them that my XXXX  was 8 weeks and they didn't care and reported my credit card payments late i attached my XXXX documents below
Product: Debt collection

North Star Ph # XXXX Name : XXXX XXXX ext # XXXX I talked with them on XX/XX/XXXX about a debt they said I owed for some equipment. They stated I had more equipment then I did and I asked them to send me a detailed list of what they are saying I have. She said she would send it out. 
After that she called numerous time, left voicemails, hung up on me one time when I asked who was calling and she told me she could not give out who she was until she verified my personal information. 
I still have not received the information I asked for during this time ( nothing as of XX/XX/2020 ). 
Then on XX/XX/XXXX, she called my family members and stated to them she a debt collector trying to collect a debt and she needed to talk to me. 
I called her back after that and they stated she did not do this, I have the phone records and my brother has his phone records as well.They are harassing me and my family causing serious stress upon me and my family.
Product: Credit reporting or other personal consumer reports

There are unauthorized and fraudulent hard inquiries on my Transunion credit report. I did not submit any credit applications and these are a result of identity theft. I need Transunion to remove these fraudulent inquiries immediately. XXXX XXXX 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

I filed for bankruptcy and it was resolved XX/XX/2016. Citi Mortgage refuses to take my name off of the house. I called and spoke with several people pertaining to this matter and was given the run around. Several of the employees refused to give me Citi Mortgage bank information so I may contact them and have my name taken off the property. I 've called them several times to let them know that the house was surrendered back to Citi Mortgage. XX/XX/2016 I spoke with XXXX who told me the foreclosure processes for my house should be over within 5 months ( XX/XX/2016 ) and that 's not happened. I 'm still receiving letters from Citi Mortgage with information that I did not request. What I request they refused to give me. They refused to help me with anything I asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with transunion, experian and a complaint with CFPB concerning the disputes, still nothing is done.In a recorded call experian explained they only go by the debt collectors statement and if it matches what the debt collector reported then information remains. If I send documents from XXXX they will not look at it, as the woman at experian explained " anyone can type a paper and sign it '' so it breaks down to only consumers lie.. I am re disputing with the documents I am attaching to you. I still even have the emails from and to XXXX of the first missed payment to show that among other false statements, the account has been re aged.
Product: Mortgage

I called back and emailed to request PMI be removed because the house had increased in value and paid for Broker Price Opinion which they reflected a lower value and I do not believe they did a good job which was related to Arvest. previously I told them that I had filed for XXXX and I also received a new BPO price that would allow the removal of the PMI so I am confused as to why they have not removed the PMI. I was also inquiring about COVID-19 relief and was told someone would call me back and I have not received a call back so disappointing. I am also being charged a late fee during COVID-19 and requested time and relief. This is serious no response when customers need it please help I can only imagine that I am not the only person this is happening to.