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

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You required to do what I am asking and block these transactions from being reported to my consumer report within XXXX  days from the date of the report of this notice. I look forward to your response Thank You XXXX XXXX
Product: Credit reporting

What I believe is a strategy to enforce the use of XXXX ( owned by Transunion ) I have requested my credit report from XXXX and Transunion and the supporting documents I submit ( Copy of driver license with my full address and copy of SS card was deemed insufficient. XXXX submit the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, My public record " Bankruptcy '' will expire.The 10 year mark is over with.The actual date date i filed is XX/XX/XXXXThat date is on record.Therefore, this public record should not be on my credit reports at all
Product: Mortgage

XXXX   XXXX  Good afternoon.   I refinanced with AmeriSave fall of  XXXX   (   XXXX  ) and received a letter from them saying  XXXX   XXXX  they are going to hold an additional {$50.00} per month in the  Escrow  account, from {$650.00} to {$700.00} for taxes/insurance starting  XXXX  - a 7 % increase.   However, I have my property tax bills for  XXXX   XXXX , Virginia From  XXXX  to  XXXX , the tax assessment increased 3.60 % and  XXXX  to  XXXX , tax assessment went up 1.86 %. The home insurance remained the same.     When I called the Amerisave, I was the line that escrow increased due to additional taxes.   They are not response when I say 7 % is excessive.   My name is  XXXX  and I can provide the verifying information as needed such as address and account # 's
Product: Debt collection

i went to XXXX XXXXXXXX to get a XXXX XXXXwhen i signed in i asked the woman if i was in network and she said i was.i then saw XXXX XXXXXXXX.he only talked to me and then sent me to someone else to do the test.when i came to the front desk they told me i am out of network and wanted XXXX  dollars instead of XXXX.i told them i did not have XXXX but insisted on XXXXwhen i called for the appointment i asked how much and they said XXXXwhen i got there they said XXXX.after i saw XXXX  who did absolutly nothing they want XXXX dollars.so i li feel i owe nothing after blatenly lied to left the office without getting my XXXX XXXX.i feel i owe nothing considering what happened.
Product: Mortgage

I paid off my mortgage in full on XXXX ( Citizen One mortgage # XXXX XXXX. There were three payments made by my bank following pay off - XXXX, XXXX and XX/XX/20. The first two payments were refunded by Citizens One. However, the XX/XX/20 payment of {$2200.00} has not been refunded. Since it was paid using the automated bank to bank bill pay transfer with Check Free as the intermediary, my bank is unable to return the money. 

Citizen One claims that they refunded the money to Check Free on XXXX but to date has not provided any datils of the refund or trace #. I have spent hours of my time to get Citizens One to refund and am now working with Ms XXXX XXXX ( Customer Service Manager at Citizens One, email XXXX, phone XXXX ). 

I believe Citizen One lacks the process and checks in place address overpayments and has failed to refund the funds in a timely manner. Citizens One is quick at charging customers late fees but what about holding consumer funds for two months? who pays for teh consumer time and financial loss?
Product: Debt collection

A debt was added to my credit report, that I was unaware of in the amount of {$2200.00} acct # XXXX This is hurting my credit negatively and I need this removed as soon as possible and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be  a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 



Sincerely, XXXX XXXX
Product: Student loan

I did submit all signed documents required for the XXXX XXXX XXXX XXXX from the XXXX XXXX on XX/XX/XXXX in PDF format. I received an encrypted message back from NELNET saying the following : Dear XXXX, Thank you for your service to our country. 

This email is to confirm that your XXXX student loan verification form has been received and processed. A copy is attached for your records. The original, along with a copy of your Master Promissory Note ( XXXX ), has been mailed to the address provided in section XXXX of your form. 

Just know that were here for you when you need us. If you have any questions, please call us at XXXX or visit XXXX. 

Sincerely, XXXX XXXX. 
Nelnet XXXX # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The information contained in this message is confidential proprietary property of Nelnet XXXX XXXX and its affiliated companies ( Nelnet ) and is intended for the recipient only. Any reproduction, forwarding, or copying without the express permission of Nelnet is strictly prohibited. If you have received this communication in error, please notify us immediately by replying to this e-mail. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- After months of waiting, continuing to make my {$78.00} payments on my loan and no change to the loan amount ( no reduction in the loan amount ), I emailed NELNET on XX/XX/XXXX saying : XXXX, XXXX sent in documentation to have the SLRP program pay a portion of my student loans, but I have not seen it approved or any of the loan amount diminished. Can someone please update me, I believe the information # for the request was XXXX. Please let me know if there is anything further I can do. 

Thank you, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I received a response on XX/XX/XXXX Dear XXXX, We have received the documentation you recently sent. However, we are only able to open documents in a, .PDF, or .TIF format XXXX Please resend all of your documentation in XXXX of these formats so we can begin processing your request. 
We are unable to open password protected attachments, however, if you reply to this email, your response will be encrypted for security. 
Were here for you when you need us. If you have any questions, please call us at XXXX, visit XXXX, or connect with us at Facebook.com/Nelnet or Twitter.com/Nelnet. 

Sincerely, XXXX XXXX. 
Nelnet -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I then resent the PDF documents immediately to be told again that the documents were not in PDF format. 


The documents were in pdf format and were not encrypted or sent with a password protecting them. I will attached them to confirm
Product: Credit reporting, credit repair services, or other personal consumer reports

Without written permission from me the following companies pull mine credit reports and place hard inquiries on my 3-reporting credit bureau accounts . 
US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - nonspecific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have my consumer report as XX/XX/2024 from Equifax i went through my report and i notice alot of incomplete categories and also alot of inaccurate information. i took the time to highlight the incomplete categories and i also highlighted the inaccurate information on the consumer report. I also wrote a 11 page letter of every single incomplete and every inaccurate item that wasnt right. I ask Equifax to correct the accounts or delete the accounts. Whenever Equifax 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. Their are so many FCRA violation Equifax is doing and im giving them opportunity to correct the situation
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00}
Product: Mortgage

CitiMortgage is reporting my mortgage account to the XXXX major credit reporting agencies as 30, 60, 90, 120 days late, beginning XXXX 2014 through XXXX 2014, which is incorrect. I entered into a loan modification agreement during this period of time. When I first contacted CitiMortgage, I was informed that I would have to be 30 days late before I could be approve for a loan modification. I applied for the loan modification because money was extremely tight due to previous job loss and very serious medical conditions for both my wife and I, however, I was fully prepared to make the XX/XX/XXXX payment. Per instructions from CitiMortgage and in order to qualify for the loan modification, I did not make the XX/XX/XXXX payment and was subsequently approved for the modification. I made each payment, per the modified agreement, beginning in XXXX 2014 and continuing until now. However, the payment history now being reported by CitiMortgage reflects that I not only failed to pay in XX/XX/XXXX, but also XX/XX/XXXX and the following months through XXXX 2014. 
I have disputed this directly with CitiMortgage ( see attached ) and they have verbally communicated that they will not change this erroneous reporting because this " is just how we report it. " Therefore, the only conclusion I can come to is that CitiMortgage is KNOWINGLY and INTENTIONALLY reporting this inaccurate information in violation of the Fair Credit Reporting Act after being informed of their error. 
Since CitiMortgage obviously does not care about the consumers they are harming and is refusing to correct this error, I request that the CFPB step in and assist me with raising my issue to the appropriate management levels at CitiMortgage who have both the authority and willingness to right a wrong that is causing harm to a consumer.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2023 XXXX XXXX XXXX reported a XXXX collection to my credit report which is not mines.
Product: Mortgage

I was trying to get a mortgage for a condo purchase in XXXX XXXX, Florida and dealt with a mortgage broker called Perl in XXXX, Florida. They were rarely there to answer the phone during business hours, failed to return calls, and after saying I did not need a second appraisal on the property, asked for a new one which through their tardiness never got processed in time for an answer on the mortgage application. Their office manager, XXXX XXXX, acted unprofessionally and ineptly throughout the process. I hope others can be spared the experience I had with him and his firm.
Product: Credit card

On XXXX/XXXX/2016 at XXXX XXXX at the XXXX, VA XXXX target store located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX one of the cashiers on duty that night completed a target red card in my name and signed that application without my permission while I was paying for the items in the checkout line at the register. As well as she misrepresented the application and, at first, said it was for a target discount coupon card, then after there was a line of people waiting for she came around to the credit card swiper and signed my name without my permission. After I got the target card in the mail at my home address I then told target credit card fraud department about the issue but they did n't resolve the issue at all, do n't return my phone calls and sent me a bill for the credit card I never asked for as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

CARES Act was not utilized in terms of reporting because XX/XX/XXXX statement, the automatic draft did not post as it had done consistently since XX/XX/XXXX. The XXXX XXXX statement shows a past due fee adjustment for XXXX $ because I called Capital One and explained that there had been a mix up and a payment arrangement was established due to an oversight. The XXXX XXXX statement shows a XXXX $ payment per the telephone agreement with Capital One but they reissued the late fee that they had adjusted in good faith during the call which seems to be an unfair and unscrupulous business practice. The XXXX statement shows payments made per another phone call with Capital One because I did not understand why I was getting late fees when a payment arrangement had been established and was being followed. The representative said I had to pay XXXX $ to bring the account current, which didn't make any sense, but I paid it on the XXXX after the required payment was already made on the XXXX. Since the account was made current and it is apparent that the oversight happened during a period of reduced hours due to adjusting to COVID precautions, I am requesting that this account be removed from past due status on XXXX, XXXX, and XXXX  or deleted completely due to inaccurate reporting during a world-wide pandemic for credit 's sake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a right to privacy. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my credit report I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have an unauthorized Inquiry on my XXXX and XXXX credit reports
Product: Debt collection

In 2016 Company called but wasn't able to verify the debit was mine or the proper documents needed.
Product: Credit card or prepaid card

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2015 with a balance of {$8800.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Product: Checking or savings account

Was targeted for {$500.00} business checking offer. Fulfilled requirements. Have not received my payout.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, I am requesting that the following accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The details of the fraudulent accounts are as follows : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$420.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX ..., XXXX XXXX ...., XXXX XXXX ....
Product: Debt collection

Grant Mercantile Agency fraudulently attempts to collect on corporate debt. This debt is corporate debt and I am not legally liable. I have informed Grant Mercantile Agency representatives to no avail. Additionally, they are in violation of HIPAA. I request immediate removal from all credit reporting agencies and an updated report.
Product: Bank account or service

PERSONAL INFORMATION AND IDENTIFICATION WAS COMPROMISED/ STOLEN BY SOMEONE, AND BANKING ACCOUNTS WAS UTILIZED FOR ILLEGAL ACTIVITIES. AFTER BEING AWARE OF THE INCIDENT ALL MY ACCOUNTS WERE CLOSED BY THE BANK AND REPORTED TO EARLY WARNING SERVICES WITH FALSE ACCUSATIONS WHICH DEFAMED MY NAME AND CREDIT FILE.