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

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX ( XXXX ), reported on XX/XX/year>, Account name : XXXX ( XXXX ), reported on XX/XX/year>, Account name : XXXX FUNDING ( XXXX ) reported on XX/XX/year>, Account name : XXXX XXXX ( XXXX ) reported on XX/XX/year>, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I have a company named XXXX XXXX claiming that I owe {$900.00} to XXXX XXXX. I have never had dish network. I have not even have cable television in the last 10 years. I've reached out to them repeatedly and the phone call always goes on hold and then hangs up after a few minutes. 

This is NOT my debt and needs to be removed from my credit report.
Product: Mortgage

I have a HELOC in the amount of approx {$5000.00} managed by Specialized Loan Service, in my original complaint number XXXX i requested that they correctly record this lien XX/XX/XXXX. That actually happened XX/XX/XXXX. I received this response from SLS XX/XX/XXXX at my request to proceed with refinance keeping this smaller loan as a XXXX. This is a very vague non answer. I am looking to refinance approx XXXX on a property valued at XXXX. I feel this is a retaliation based on multiple calls, complaint here and with corporate office. SLS has never responded to initial complaint. Feels like shady business practice. By the way my XXXX score is over XXXXGood Morning, The CLTV requirement and the reason for the loan amount increase is a requirement from the investor. This is not an SLS requirement, but an investor requirement. The only way we can approve the subordination is if the new loan amount is at the lowered amount. I see that we received documents at the lowered loan amount of {$53000.00} and that sub will be approved and sent this afternoon. 

Thank you, XXXX XXXX XXXX XXXXSpecialized Loan Servicing XXXX XXXX XXXX, XXXX XXXX XXXX CO XXXX complaint
Product: Debt collection

Received a debt collection call and filed a complaint. The complaint is XXXX. On XX/XX/XXXX the response to the complaint was that they'd entered my number in error and apologized for any inconvenience. On XX/XX/XXXX at XXXX XXXX they called again!!! Evidently their solution to fix the problem was less than sincere. Please get them to stop and to mean it this time. Perhaps this lack of actual solutions is why they have 28,508 complaints on your database as of a few minutes ago.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Product: Debt collection

Midland has failed to properly validate the debt per FDCPA and has violated the FCRA by reporting unsubstantiated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$790.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file 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.
Product: Debt collection

The XXXX Apartments and their debt collection agency Rent Recovery Solutions are attempting to obtain supposed lost rent payments AFTER we were released from our rental agreement. The XXXX executed and managed a lease agreement AFTER we left and that renter was claimed to have defaulted on rent payments. The XXXX is using Rent Recovery solutions to harass us by attacking our credit and sending ongoing requests for payment as a form of extortion to get their money. To date I am able to provide numerous documents showing that we owe nothing and Rent Recovery Solutions has not provided any documentation demonstrating that they were not paid rent for the period in question.
Product: Credit reporting or other personal consumer reports

I disputed an account by XXXX XXXX  serviced by XXXX  because the credit collection agency claim it is my debt which i fact it is not and XXXX continue to make the date that it closed be more current to increase the negative impact on my report. I filed a case with CFPB and XXXX responded with a letter indicating the date that it closed was in XXXX and not XXXX. I disputed it with transunion and provided them with the letter from XXXX XXXX serviced by XXXX and Transunion has closed the dispute and still refuse to update the information. I spoke on the phone with a representative today, XXXX XXXX and they informed me that XXXX did not respond to their verification of the letter and refuse to correct the incorrect information.
Product: Checking or savings account

On XX/XX/XXXX, I bought a ticket from XXXX XXXX for my wife and son. The value of {$4300.00} already were withdraw from my account in the same day. On XX/XX/XXXX, the same purchase was charged again in XXXX ( {$2400.00} for one wife and {$1800.00} for my son ). The first value keeps as " Pending '' and the other XXXX values are already " Posted ''. 

First, I contacted Citibank that mentioned that I should contact the merchant. Then, I contacted XXXX XXXX that told me that there is no charged of {$430000.00} and this value was not received for XXXX XXXX ; only the other XXXX value of {$240000.00} and {$1800.00} which if you sum, it's the same as {$4300.00}. Also, XXXX XXXX told me that they usually charge the ticket by passenger and not the total value. 

Then, I contact Citibank again and after trying several times, I could not change or understand why is " Pending '' yet and the value was already taken from my account. Now, the account is negative and I can't use for others purchase. 

I am using this channel to ask Citibank to cancel this " XXXX '' as XXXX already told me that they did not charged me. I am all the conversation from Citibank and XXXX to prove this point.
Product: Debt collection

The company LVNV funding LLC calls repeatedly. I disputed errors on my credit and this account was removed and later reinserted. I file a dispute again and again then its removed and then it on my credit again. The company calls over and over sometimes after XXXX XXXX call this morning claiming I refuse to pay could be sued. I feel helpless as a consumer. Even once an account is 7 years old the collection companies still call and pretend to be lawyers. LVNV Funding is the only company that does this. It causes extreme stress and I dont understand why a collection agency could treat people like this. I spoke with company explained I was unemployed and couldnt make and arrangements. The lady on the phone became very rude. This company calls sometimes 9 times a day. This cant be the way to take care of one credit card with finger hit. There were over 500.00 in fees. I dont know what else to do. I answer the call so they wont call all day but they do either way.
Product: Student loan

I have been on the PAYE plan since XXXX for my graduate school loans and switched to the SAVE plan for income driven repayment ( IDR ) in XX/XX/XXXX. I began a full time position that qualified for Public Service Loan Forgiveness ( PSLF ) in XXXX XXXX in order to make payments under PSLF , your loans need to be consolidated and you need to be on an IDR plan. My loans were not consolidated at the time but I have always been on an IDR plan. Per the Dept of Ed recommendations now that I qualified for PSLF, I consolidated my loans which my servicer Mohela processed in XX/XX/XXXX which then automatically moved me from my SAVE IDR plan to a standard repayment plan. I had also applied multiple times in XX/XX/XXXX to switch my IDR plan from SAVE to IBR, which did not go through as they were processing the consolidation of my loans. I was able to successfully apply for IDR on XX/XX/XXXX and received a confirmation email from Mohela that they were processing my application. I am now receiving a bill from Mohela for over {$1200.00} under a standard repayment plan that is due on XX/XX/XXXX, which I can not afford this payment as I have never been on a standard repayment plan and was only put on one when I consolidated my loans per the rules and regulations of the US Dept of Ed. I have requested from Mohela multiple times to either process my IDR application or apply the processing forbearance, as I was supposed to be switching from the SAVE plan to another IDR plan, and not put on a standard repayment plan. Mohela has done neither of these things and has failed to respond appropriately to my messages and requests. I have been on hold with Mohela for hours with wait times of 3-4 hours with no resolution. Again, I am unable to make these payments under a standard repayment plan and Mohela has refused to process my IDR application and has also not placed my consolidated loan in forbearance as it works on processing applications. Mohela offers no other solutions to this problem and I know many people are having the same difficult experiences with them.
Product: Prepaid card

XX/XX/24 {$200.00} XXXX {$100.00} XXXX {$92.00} XXXX {$290.00} XXXX {$370.00} XXXX {$980.00} XXXX XXXX XXXX XXXX After noticing transactions that was not made by me I immediately contact us back XXXX and file a claim. 
I received a letter in the mail XXXX telling me that my claims were denied and included that I initiated, authorized, or benefited from the transactions. Which is false accusations with no proof..
Product: Mortgage

Summer I became behind on our mortgage payment while in chapter XXXX. We lost 2 subsidies for XXXX children in our care. In XXXX we were able to get back on track. Been paying monthly since. In XX/XX/2020 we received a letter from PHH attorney demanding {$17000.00} with in 10 days or they would release us from our bankruptcy and foreclose on our house. We are XXXX  parents with XXXX babies and also XXXX children we have XXXX  through XXXX  XXXX. My husband and I are essential workers so we continued to work through the pandemic. It was a difficult decision to continue working taking our health and our childrens health at risk. Now PHH wants a large down payment and we have 6 months from that point to pay it off. Are hands are tied but what can we do. We tried to get it stretched further but to no avail. Our bankruptcy attorney wants us to get a third party to help us but with all the layoffs no one we know is in a position to help us.
Product: Mortgage

In XX/XX/2019 I asked a Caliber Home Loans customer service representative about removing my PMI, from a conventional home loan that I have through them. She informed me that one of the options was to get the house reappraised using their appraiser, and if the LTV ratio was below 80 % it would be removed. After paying Caliber for the appraisal, they sent me a letter telling me that I was at a 76 % LTV ratio, but then told me that it needed to below 75 %, so I now needed to pay more money ... Upon calling in and speaking to a representative I was just told that the LTV ratio now needed to be below 65 %. I feel like they are just taking advantage of me for not refinancing, which they try and convince me to do on an almost weekly basis at this point. Oh and another thing, we've never missed or been late on a payment.
Product: Bank account or service

I received XXXX fraudulent charges over a two day span that were applied to my checking accounting totaling an amount of {$2700.00}. I contacted Bank of America on the second day when I noticed the charges, and had them closed all the cards associated with the account to stop all activity. I submitted a claim which was processed and returned back to me a week later that advised my claims was rejected due to the charges processing correctly. The evidence regarding said charges clearly demonstrations that all {$2700.00} was fraudulently removed from my account. 

Date : XXXX XXXX, 2016 XXXX, AZ XXXX Checking Account Ending in XXXX Claim Number : XXXX Initiation date : XXXX/XXXX/2016 Bank of America Claims and Disputes XXXX, NC XXXX Dear Sir or Madam : I am writing to dispute fraudulent transaction ( s ) on my account in the amount of {$2700.00}. Unless this is an error on your part, I can confidently assume to be a victim of identity theft, because I did not initiate and approve the transaction ( s ). I am requesting that the transaction ( s ) be removed from my account and all finance and other charges related to the fraudulent transaction ( s ) be also credited. I would also like to request a revised account statement to ensure appropriate changes to my account have been accurately made. Enclosed are copies of my statement with fraudulent transaction ( s ) highlighted supporting my position. Please investigate this matter and remove the fraudulent transaction ( s ) as soon as possible. 

I have filed a police report with the XXXX Police Department located at XXXX, AZ XXXX. The phone number to the police department is XXXX. I filed my report with Officer XXXX and his badge number is XXXX. The police report number is XXXX. 

I have filed a complaint with the Office of the Comptroller of the Currency ( OCC ) on XXXX XXXX, 2016. My case number is XXXX. 

Also on XXXX XXXX, 2016, I filed a complaint with Federal Deposit Insurance Corporation ( FDIC ) to help facilitate the investigation into my claims with Bank of America. 

Sincerely, XXXX XXXX
Product: Credit reporting

Good afternoon : TransUnion erroneously has a " bankruptcy '' reported on my credit report. At no time have I EVER declared bankruptcy. I called the XXXX Bankruptcy XXXX of the XXXX XXXX and they affirmed that they have absolutely no record of a bankruptcy under my name or social security number. Please help me get this off of my record as I am unable to obtain the insurances necessary to purchase a home until this is remedied. Please advise how I should best proceed as the bureaus refuse to remove this mistake from my records despite my requests to do so. Should the bureaus not have to verify such an egregious error with the XXXX Bankruptcy Courts before they continue to disparage my reputation and credit score? 
Thank you, XXXX
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 reportsno consent is fraud. 

XXXX XXXX XXXX Date XXXX Balance : {$26000.00}
Product: Debt collection

is Company is not who I applied for the loan through. Not only that I had over XXXX calls once I applied. Each one representing that I had applied with their Company. I have never heard of the supposed original Company. I have never received anything in writing pertaining to this debt. I had phone calls from numerous Companies trying to collect on this same debt. It is financial XXXX.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of XXXX XXXX XXXX to XXXX a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
XXXX to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( XXXX ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
XXXX to XXXX XXXX XXXX ( XXXX5 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for XXXX XXXX I demand the following actions, without delay : XXXX a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXX a comprehensive written explanation detailing your investigation process and results. 
XXXX remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX  XXXX
Product: Debt collection

This debt was settled and closed. It appears that its been resold to ERC to again illegally collect on a zombie debt. I did contact ERC about this issue with no response. Instead it was reported to both  XXXX   XXXX   &   XXXX  as a derogatory mark on my  credit score .
Product: Checking or savings account

On XX/XX/2019, I opened a checking account in a Citibank branch in XXXX, Maryland. The banker matched a sign-up bonus of XXXX XXXX XXXX AAdvantage miles for me, given that I maintain a balance of {$15000.00} for at least 60 days. 

I deposited {$15000.00} into this account on XX/XX/2019, and maintained such a balance until XX/XX/2019, for a period of 69 days. 

I never received the miles. I contacted Citibank regarding this matter many times but they never solve this issue. Once they gave me a document ( attached ) confirming that I qualified for the promotion and told me to wait up to 90 days to receive the bonus. But the bonus did not post to my XXXX XXXX account even after 90 days. 

I contacted Citibank many times after XX/XX/2019 ( 90 days after qualifying ). Every representative who answered my call or chatted with me in the online banking system kept telling me to contact the branch. I contacted the banker via email but got no response. I called the branch and someone said my banker will call be back but she never did. I got very disappointed with Citi and closed the account. 

A few days ago I received a XXXX form from Citibank, saying I got {$400.00} dollars in a 'promotion '. Since this account is the only banking account I ever had with Citibank, the amount of {$400.00} must be the value of the XXXX XXXX XXXX AAdvantage miles that I should have received.