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

I sent a letter on XXXX XXXX, to remove the following items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after I sent the last letter. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$390.00} XXXX XXXX I XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$390.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My checking account in good standing for 38 years was closed by my bank on XX/XX/23 and I was told they are not required to state their reasons for their action. 
I have been waiting for the bank checks totaling {$29000.00} to be delivered to me and I am suffering financial hardship as a result. 
I have never received a letter warning me of their intention to close out my accounts. Although I was promised a copy of the original letter.
Product: Credit reporting or other personal consumer reports

This is my 19th 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 XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised, a XXXX XXXX bankruptcy among several other fraudulent accounts were placed and remain on my Transunion credit report. I've disputed and submitted proof of ID theft and deletion from all other credit reporting agencies, but Transunion and the Transunion company " LCI '' have denied all of my disputes repeatedly. This erroneous XXXX XXXX bankruptcy is seriously hindering my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i am very distressed to inform you about the inaccurate reporting and violation of federal law that i have single handedly been dealing with, I sent in my dispute in 47 day ago ( XXXX ) and have still had no type of response. I feel as if i deserve more respect and common decency that i am obviously not receiving. I have informed each bureau that In these letter I quote According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I would also like to bring to your attention that according 15 U.S. Code 6802 ( a ) A financial institution may not disclose any non public personal information to a non affiliated third party company without my consent. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I would appreciate these accounts being removed in a timely manner, thank you
Product: Credit reporting or other personal consumer reports

I NEVER GAVE AUTHORIZATION TO ANY OF THESE ACCOUNTS TO RUN MY CREDIT I AM A VICTIM OF ID 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 XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am writing to file a formal complaint against Freedom Mortgage regarding the protracted and inefficient processing of my forbearance request, which has persisted for over five months. Despite diligently providing duplicate documents as requested, the progress has been disappointingly stagnant. Moreover, the repayment solutions offered present an undue burden, with both options threatening to increase my monthly payment by {$400.00}. This exacerbates the financial strain resulting from job loss, which initially prompted the forbearance request in XX/XX/2023. At that time, my wife was unemployed, while I was the sole breadwinner. Circumstances have since evolved with my separation from the company, leaving my wife as the sole income earner. I urge the Consumer Financial Protection Bureau to intervene swiftly, ensuring a fair and expedited resolution to this pressing matter.
Product: Checking or savings account

On XX/XX/XXXX. Went into Branch in XXXX XXXX on XXXX and withdrew {$8000.00} with Branch Manager, immediately after our account was flagged for fraudulent activity and subsequently frozen. 

Spoke to BMO rep XXXX Asked questions about accounts and reasons why transactions were made. Explained that the account has been frozen due to a routine audit. Said he would give me a call the following Monday. 

Spoke to BMO rep XXXX Was told by rep that we would receive a call to get an update on the account. Asks why the account was frozen and I was told that it was due to fraudulent paperwork, then that it was because they needed to investigate the money in the account, which is their money from the line of credit. 

Received letter dated XX/XX/XXXX on XX/XX/XXXX Spoke to rep XXXX not able to give an update, unfamiliar with the account and needs to refer to XXXX XXXX Asked why the account was frozen and I was informed that it is under investigation due to whatever notes XXXX put on the account. 

Spoke to BMO XX/XX/XXXX - given a brief overview of already known information in form of a recap about the account. No resolution and not able to get in touch with XXXX. 

Spoke with rep on XXXX XXXX days later, no explanation of reason why account is not resolved. Havent had any communication outbound from BMO to speak with us about our account. Put on hold and still not about to speak with lead investigator. And still no foreseeable resolution. 

Spoke with BMO fraud specialist on XX/XX/XXXX She said that the initial investigation has been turned over to an external department. I asked about communication about our account Account was frozen on XX/XX/XXXX, funds were not accessible and closed 9 months later. We were never given a reason as to why the account was frozen or closed.
Product: Checking or savings account

For XXXX days I was trying to access my account on line but every time I entered my ID and password I got a message : " How about a rain check? Sorry, your account isn't accessible currently. Please come back later and try again. '' Today, on Monday I visited local bank branch but " Citizens XXXX '' by name XXXX XXXX refused to help me claiming that my ID which is my email for 11 years is not correct and refused to help me. I tried to call Citizens bank mail office but the line is " too busy '' to connect.
Product: Debt collection

I have no recollection of this account from " Credit Corp Solutions '' that they are referencing. I believe it is fraudulent, and I have tried reporting this. XXXX also will not remove this off of my credit report. It has been removed from XXXX XXXX XXXX. XXXX is the only credit bureau that I am having trouble getting it resolved with. Please help. I have provide XXXX with evidence of it being resolved with both other bureaus and a letter form the IRS proving that I am a victim of identity theft. 

They keep referring me to the creditor who will not respond to me... 

It's an endless loop and I am requesting more help. 

Thanks.
Product: Student loan

For the last 3 years I've had problems with repaying my consolidated loans. Initially my monthly repayment amount was {$270.00}. It was being paid automatically for about a year when an auto draft of a little over {$1200.00} was taken. After informing my bank that it was taken without permission, the money was given back ( by my bank & eventually refunded by Navient ). After everything was settled, I was set up on another payment plan and this time I planned to contact them after 11 months to avoid the previous year 's issue. This time the {$1200.00} was taken after 10 months. I took the same actions to get my money back. I finally removed my bank info and opted for manual monthly payments. However, this year, I've been trying to get back on a payment plan FOR A YEAR. Customer service says that they have been sending emails but I haven't gotten anything EXCEPT info telling me that a payment is due. I tried to reply to that email, but it's an auto mailer so there's no response. And seemingly the necessary forms I need are not able to be mailed. I just tried calling and kept being put back in the call queue with no response from an agent. Meanwhile interest is building in my account and the only thing I'm able to do is continue to make deferments while I wait on the forms 'they 're sending to me '.
Product: Credit reporting

I filed a complaint against XXXX XXXX XXXX with CFPB and XXXX apologized and agreed to correctly report my account. Dispute # XXXX. Equifax continues to report the account incorrectly and needs to just remove the improperly reported account from my credit report.
Product: Debt collection

I sent Santander a Conditional Acceptance For Value letter on XX/XX/21 they received it priority express by XX/XX/21. per the notarized letter they were to respond via affidavit within 3 days plus 2 days grace, it has been 8 days, they have defaulted with no update or correction to my consumer report. As a consumer the alleged debt should have been removed entirely during the process of validation pursuant to 15 U.S. Code 1681i - ( a ) ( 1a ) Procedure in case of disputed accuracy. They did not validate the debt within given time frame nor update that it was in dispute. The investigation has concluded please delete this erroneous account from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I do not recognize these inquires.I did not authorize these inquires. I asked the bureaus for these inquires to be removed and the bureaus did not do so. I am providing a identify theft report and requesting the to be remove because they are inaccurate and not mine.
Product: Credit reporting

I received a written letter from XXXX XXXX, XXXX, regarding an account with XXXX Bank. The written letter offered the option of " XXXX payment of {$250.00} '' and that my account will be considered " Settled in Full '' after the payment is successfully posted. ( Please see attached letter ) I paid the {$250.00} ( please see attached processed bank check ) and XXXX Bank reported my account to Experian as " Legally paid in full for less than the full balance ''. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " PAID/Settled in Full ''. I would have chosen pay the amount in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXXXXXX XXXX XXXX off of my credit but Experian keeping it on my credit. These are false accounts i have nothing to do with. Experian is violating my credit rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are erroneous accounts showing up on my credit report that I have never opened nor provided my permission for these account to be open
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get old addresses removed and addresses that are complete errors on my report. The credit reporting agencies seem not to care in any way. I just want my credit report to be factual and correct. Two addresses I use are XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, CA XXXX ... .. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il
XXXX  Il, XXXX  Dear Bureau,
I am writing to inform you of an issue regarding improper use of my credit report. Attached to my
SSN, it appears that XXXX XXXX and Experian have violated the FCRA by including
inaccurate information. Upon reviewing the credit report, I found numerous discrepancies,
including incorrect addresses and accounts for which I never provided written permission. As
instructed on your website, I've enclosed documentation proving my identity.
Under the FCRA, only accurate information should be included in a consumer's credit report.
However, the information provided by XXXX, XXXX, and Experian is not accurate. I have
consulted with legal counsel, and I am prepared to take this matter to court if necessary.
I demand the immediate removal of all inaccurate and unauthorized accounts from my credit
report. Additionally, I request that all personal information associated with my account be
replaced with the details of XXXX XXXX XXXX  Below are the accounts that need to be
removed: Employers: XXXX XXXX XXXX Previous Addresses: XXXX XXXX XXXX XXXX XXXX XXXX Il, XXXX XXXX XXXX XXXX XXXX XXXX Il ,
To expedite the resolution of this matter, I demand the immediate removal of all inaccurate and
unauthorized accounts from my credit report. Additionally, I request that all personal information
associated with my account be replaced with the details of XXXX XXXX XXXX , as provided below:
1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX(experian)(XXXX) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX(experian)
XXXX XXXX XXXX XXXX XXXX (XXXX)(Experian)(XXXX) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (XXXX)(experian)(XXXX) XXXX XXXX XXXX XXXX (XXXX)(Experian)(XXXX) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (XXXX)(Experian)(XXXX) XXXX XXXX XXXX XXXX (XXXX)(Experian) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX Pa, XXXX XXXX Account # XXXX no contract and no signature
Product: Credit reporting or other personal consumer reports

In 2019, My brother stole my wallet and personal identifiers. He used my PIN number ( which he found by looking over my shoulder when I visited an ATM ) and deposited fake checks into my bank accounts and maxed out my credit cards and fled to XXXX XXXX XXXX, Utah. He is a XXXX XXXX 

Subsequently, my checking account at XXXX XXXX XXXXXXXX become overdrawn and closed after the check returned. When I was notified, I informed XXXX XXXX XXXX  of the fraud. From the time in XXXX of 2019 until current, XXXX XXXX XXXXXXXX, despite being notified several different times and by several avenues has done nothing. 

No investigation was completed, no reversal of the check and no phone calls were ever returned. The negative item was reported to Early Warning Services. 

This company is a credit reporting agency that reports to other banks on negative activity. I have had bank account applications denied because of this negative information that was a result of identity theft. 

Moreover, XXXX XXXX  XXXX reversed ever block I attempt to place on the negative information that is reported, further compounding that they turn a blind eye to victims of identity theft and attempt to make them pay. 

I would like XXXX XXXX XXXXXXXX to investigate the identity theft, reverse the negative information appearing on this bank account and remove the negative file form Early Warning Systems.
Product: Student loan

I went to University of XXXX in XXXX, Texas. I applied for a student loan in XX/XX/XXXX to help with my finances for school. As years past, it was time to repay the loan. I paid a few payments due to my financial situation. Now, in XX/XX/XXXX National Collegiate Student Loan Trust XXXX filed a lawsuit against me and my co signer. The loan over 4 year old and I notice the information on my credit report was reported incorrectly. When my court date came I told the plaintiff about it and the court date was rescheduled. I 've called this company before my court date and no response. I disputed the information and it was deleted and returned to the original creditor. I would normally received a notice prior to the court date but that did not happen. This is a pain. Today, I received a outdated letter stating " Final Judgement in favor of Plaintiff ''.
Product: Credit reporting or other personal consumer reports

There seems to be an identity theft going on my Transunion credit report as someone tried to apply for a credit card with XXXX XXXX XXXX  on XX/XX/year> without my consent or knowledge
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX wiith financing through Ally. My monthly payments were XXXX ( est ). i began paying XXXX since XX/XX/XXXX and haven't been late since XX/XX/XXXX and have gotten to where I have XXXX due for months but continued XXXX make payments. Then when I chose to not make a payment. They send a bill for a regular payment. I was curious as to why my XX/XX/XXXX statement had the same remaining balance as my XXXX XXXX had a statement/letter sent back in XX/XX/XXXX and have not received a response yet. I have however continued to make my monthly payments but I haven't received any invoices with as I was before. Nor have I heard anything from Ally in regards to this matter
Product: Checking or savings account

I received a letter from TIAA Bank stating that my 5 year CD would be set to mature after 1 year on XX/XX/XXXX. I am not agreeing to this unless I can get TIAA Bank to guarantee in writing that they will not charge me any kind of early withdrawal penalties or guarantee that they will not change my interest rate to that of a 1 year CD or add any additional fees at the closing of the account. My online bank access shows that the CD will mature on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX accordance with the 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX XXXX XXXX XXXX for Inaccurate Credit Reporting and Mishandling of Account Complaint Summary : I am filing a formal complaint against XXXX XXXX XXXX XXXX regarding their inaccurate reporting of my auto loan account to credit reporting agencies, mishandling of my account, and failure to provide effective customer support despite adherence to an approved payment plan and extension agreement. Their actions have negatively impacted my credit report and financial standing. 

Details of the Issue : Account Overview : Account Number : XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) : XXXX  XXXX approved an extension of one payment of {$860.00}, deferring it to the end of the loan term. 
XXXX XXXX indicated that delinquency reporting would continue until the account was brought current. 
Hardship Payment Plan ( XX/XX/XXXX ) : Entered a hardship payment plan due to financial difficulties caused by natural disasters. 
Payment plan terms included XXXX payments of {$860.00} each, due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Per the agreement, completing the payments would make the account current as of XX/XX/XXXX. 
Payments Made : XX/XX/XXXX : {$860.00} auto-drafted successfully. 
XX/XX/XXXX : {$860.00} auto-drafted successfully. 

Discrepancy and Reporting Issue : Despite making timely payments, I received a notification from XXXX on XX/XX/XXXX, that my account is reported as 30 days past due. 

This is incorrect, as I have complied with the payment plan and extension terms. 

Unsuccessful Attempts to Resolve the Issue : I contacted XXXX XXXX customer service multiple times to address this issue. Unfortunately, my efforts were unsuccessful. 
Customer service representatives deflected responsibility, claiming that the error was on the part of the credit bureaus. This response was unacceptable, as XXXX XXXX is responsible for ensuring accurate reporting of account status to credit bureaus. 

Evidence of Compliance : Attached documents include : Extension confirmation ( dated XX/XX/XXXX ). 
Payment plan confirmation ( XX/XX/XXXX ). 
Statements showing payments on XX/XX/XXXX and XX/XX/XXXX. 
Notification from XXXX reflecting the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a account from XXXX XXXX XXXX XXXX account number XXXX its reporting on my credit report on transunion as open account, but how can this account be open if the account is charged off and also this account not even mine. please have XXXX XXXX double check my ss number is XXXX i know there are other XXXX XXXX in my town and maybe the name got crossed. i think this is a major problem that is hurting my credit, and i think XXXX XXXX should delete this account from my credit report and make this right.