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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and removal of inaccurate information in my consumer report, as required under 15 U.S. Code 1681c-2. The information I have identified is the result of alleged identity theft, and according to federal law, you are required to block this information no later than XXXX business days after receiving this notice. 

Additionally, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), the information in my file must be reported accurately. The accounts listed below are in violation of this requirement and have compromised my federal consumer rights, including my right to privacy and confidentiality, as outlined under 15 U.S. Code 1681.

Furthermore, under 15 U.S. Code 1692g, I am entitled to receive validation of the debt, including proof of a purchase agreement or a wet signature demonstrating that I committed to the debt in question. If such proof is not provided, you are required to remove the accounts from my report immediately.
**Accounts in Violation : ** [ List the accounts in question here ] Pursuant to 15 U.S. Code 1681, Section 602 ( a ), I am entitled to privacy concerning my consumer report. Further, under 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts or information without my written consent. I did not provide written permission for these accounts to be included in my credit report, as outlined in 15 U.S. Code 1681a ( 2 ).

I also bring to your attention 15 U.S. Code 1666b, which requires that creditors promptly correct billing errors upon notification. As such, the inclusion of these accounts on my report constitutes a billing error, and they must be corrected immediately.

Additionally, under 15 U.S. Code 1601, the purpose of the Truth in Lending Act is to promote the informed use of credit through meaningful disclosure of credit terms. The inclusion of unverified accounts violates this principle and misleads the consumer. 

Finally, I refer to 18 U.S. Code 1028A, which imposes severe penalties for aggravated identity theft. The failure to address the issues raised in this letter may result in further legal action under this statute. 

I request that you provide the original copy of the agreement, including all terms and conditions, associated with the accounts in question. If you fail to provide this documentation, you are required to delete these accounts from my report. 

Please take immediate action to block these transactions from being reported to my consumer report within XXXX days from the receipt of this notice. Failure to comply will result in further actions, including potential claims for damages up to {$1000.00} per account, as permitted by law. 

I look forward to your prompt response and the resolution of this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX Account # : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX Account Name : XXXX XXXX Account XXXX : XXXX, have violated my rights. 

XXXX5 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 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

In XX/XX/XXXX I bought a XXXX XXXX through Suntrust Bank. In XX/XX/XXXX my account fell behind. I lost my job and I was unemployed for an extended period of time. The car was repossessed in XX/XX/XXXX. This is still being reported on my credit report. On XX/XX/XXXX I filed a dispute with XXXX. They immediately re-reported the debt even though the timeframe is over 7 years. This debt should n't be being reported since the time frame is past the legally allowed timeframe.
Product: Debt collection

Please remove this account because this is not mine and i'm so disappointed with these happening on my credit report. I want the company to remove this as I start a new chapter of my life but because of this unknown account in my credit report i'm not able to do so.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of an unverified collection account that remains on my credit report despite my request for debt validation over 90 days ago. This account is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which require that a debt be verified before it can be reported to the credit bureaus. 

Please have them remove this asap. 
Collection Agency : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that the Credit Bureaus Experian and XXXX  continue to list the bankruptcy that was Voluntarily discharged on XXXX XXXX, 2017 as confirmed in my credit profile. It is their policy to keep reporting bankruptcies that are adjudicated for ten years, but the Fair Credit Reporting Act, Section 1681c, mentions nothing about dismissals or fillings. The Law clearly states from the " date of adjudication '' or " date of order for relief. '' Any case, whether civil or otherwise, the bankruptcy no longer exists in the eyes of the law once dismissed, and never adjudicated. This is nonexistent information that should not be kept as public information. I am requesting that the Bankruptcy information is deleted from my Credit Reports and I request that a updated copy of my reports to be sent to me when the action is complete. I would appreciate a response on this matter within 14 calendar days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A LOT OF INACCURATE INFORMATION ON MY CREDIT REPORT. SOMEONE ELSE IS USING MY IDENTY TO OBTAIN CREDIT. 
THIS INQUIRIES ARE UNAURTHORIZED AND CAUSING ME GREAT HARM AND ANXIETY TO SAY THE LEAST. 
XXXX XXXX XXXX XXXX ON THERE TWICE XXXX XXXXXXXX THESE ARE THE CREDIT ITEMS THAT HAVE BEEN OBVIOUSLY ISSUED AND USED UNDER MY SS # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ANOTHER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX AXXXX XXXX  ACCOUNT # XXXX THIS IS AN ACCOUNT THAT BELONGS TO ME FOR A CAR THAT WAS TOTALED BUT THE GAP INSURANCE PAID IT OFF. THEY ALSO SENT THIS TO A COLLECTION AGENGY THAT REPORTING NEGATIVELY ON ME. 
XXXX ACCOUNT # XXXX THIS IS NOT MY ACCOUNT XXXX XXXX  ACCOUNT # XXXX IS REPORTING THAT THIS ACCOUNT WAS PAID LATE AND THIS IS INACCURATE I JUST GOT THE CAR.
Product: Student loan

I have a student loan with Navient. I've been paying on it for 5+ years and my balance has not decreased. I feel this is a negative amortization loan and I was not aware of that. I also think that certain payments I have made have not been applied correctly to my principal. I looked at the payment history and none of my regular payments have any portion applied to my principal. If I want to refinance this loan to another lender then the balance I transfer is higher than it should be after paying for 5 years. All I've been doing is paying interest and my principal has not decreased.
Product: Mortgage

XXXX acting on behalf of one of my investors, Citigroup Mortgage Loan Trust, has violated the Fair Review Process requiring servicers to review and respond to a request for modification within 30 days. Originally I submitted a compliant because XXXX XXXX XXXX moved forward with foreclosure procedures after receiving a full file submission XX/XX/XXXX. The day after filing their response to the CFPB compliant I was decline a modification on or about XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX decided to review my case again for possible modification and requested updated documentation, which was sent on XXXX XXXX via email, which they never responded to confirm receipt of documents, which is required. At that time I was told that now I qualified to be reviewed for HAMP and that 's why they were requesting additional documentation. On or about XX/XX/XXXX I called and confirmed the documents were received and submitted to underwriting for review. On XX/XX/XXXX, I called to check the status of the review and if my foreclosure sale scheduled for XX/XX/XXXX was postponed. I was told that they would not make that decision until XX/XX/XXXX. I then called on XX/XX/XXXX and the sale was still not postponed. When I followed up on XX/XX/XXXX I was told that the sale had been postponed to XX/XX/XXXX. On XX/XX/XXXX I called to follow up on the status of my review and was told my request for modification was declined on XX/XX/XXXX and a decline letter was sent out on that day. It took XXXX XXXX XXXX 40 days for them to review my request and I had to contact them to find out I was declined. Since I filed my first CFPB compliant the phone calls from my relationship manager ceased. 
For the XX/XX/XXXX decline I was told it was because I did n't meet the NPV guidelines. For the second decline I was told because I declined a HAMP modification in XX/XX/XXXX. However, upon review of the HAMP guidelines, I still meet eligibility to be reviewed again for HAMP. I did not default on the HAMP Trail by completing all three required payments and HAMP mod was not completed. There is not rule against declining the modification, which would have raised my monthly payment and set my interest rate higher than my current rate after 5 years. 
XXXX XXXX XXXX has continued to lie to me, provide false and conflicting information and violated CFPB rules in regards to borrowers who are facing foreclosure. Due to this I am looking at filing a Chapter XXXX bankruptcy to save my house.
Product: Checking or savings account

Navy has charged me many fees. A couple of the fees they told me they sent me noticed and I opened it and I have not. Ive called navy 2 times now and even talked to a manger where they are very disrespectful rude and discriminatory towards me and my family. Telling us the fees are there and wont do nothing about them. One employee told me stop doing things where I would get feed
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! 

Update the account to Paid on time and never late. Or remove it from my consumer report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropiate redress for these violations.
Product: Credit card or prepaid card

I request a credit limit adjustment to XXXX XXXX dollars to match most of my other credit card accounts from the other banks. My current credit score is XXXX & have been XXXX XXXX for over thirty years now.
Product: Credit reporting

Transunion is violating Federal Law as follows and they must remove the Bankruptcy Record. 
Based on The Fair Credit Reporting Act -15 U.S.C. 1681, I request that you remove of the Bankruptcy Filing statement in my credit report. Your Agency is in violation of The Fair Credit Reporting Act -15 U.S.C. 1681 The Fair Credit Reporting Act -15 U.S.C. 1681 states of the Credit Bureau running reporting period to be no more then 10 years. 
However, in section 605 of the Fair Credit Reporting Act, the requirements relating to information contained in consumer reports 15 U.S.C. 1681c ( C ) Running of Reporting Period of 7 years for section ( 4 ) and ( 6 ) only. NOT for Section ( 1 ) It does not mandate under federal law, 10 years for Bankruptcy in reporting time, such as 7 years or 10 years. There is no minium in running of reporting time. The federal law is very clear as it states no longer then 10 years but it does not address any Running of Reporting Period for Bankruptcy.. 6 Months? 12 Months? 2 Years? 3 years? 4 years? 5 years? 6 years? 7 Years? 8 years? 9 years? 10 years? 
Thus I have the option under section 605 of the Fair Credit Reporting Act of the Fair Credit Reporting Act to request removal as deletion 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
C ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
Based on The Fair Credit Reporting Act -15 U.S.C. 1681, I request that you remove of the Bankruptcy Filing statement in my credit report. Your Agency is in violation of The Fair Credit Reporting Act -15 U.S.C. 1681 Your violation is legal case for Defamation of Character besides Federal Penalties under The Fair Credit Reporting Act -15 U.S.C. 1681 as you have no legal grounds C ) Running of Reporting Period. To the Bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in XXXX XXXX ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also XXXX XXXX XXXX XXXX ( XXXX ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.
Product: Debt collection

Neighborhood Association ( through NRA Collections, XXXX, PA ) attempting to bill for illegal, arbitrary, and excessive debts, without due process and verification of authority -- that is, no covenants and restrictions at this association, as they expired in 1990, confirmed by XXXX XXXX XXXX, XXXX County NC.
Product: Credit card

I had an XXXX XXXX mastercard with Barclay 's Bank, but upgraded to an XXXX XXXX mastercard. Barclay 's closed the XXXX XXXX account, but in XXXX I was notified that I would be issued a credit to the XXXX credit card. I assumed that I would be issued a check or the credit would be " rolled '' into my new XXXX XXXX credit card account. After receiving a second billing statement with a credit balance on the XXXX XXXX credit card, I called Barclay 's Bank. The first agent told me the account was closed and she was unable to issue me a check. She told me the credit balance would automatically be " rolled '' into my new account, but could n't explain why it had not already been done " automatically. '' I had to speak to an account specialist, and 25 minutes after my initial call, I was told the credit would be moved over " manually. '' Barclay 's Bank made it difficult for me to receive my refund and blamed the difficulty on computer glitches.
Product: Mortgage

I suffered a house fire in XX/XX/year>. It's been almost a year. Here 's the letter to the insurance claim division of my mortgage company. I'm being forced to sell the property without a home or face foreclosure. I'm too lose. Nearly XXXX because of this. 

To Whom It May Concern '' I am writing regarding the insurance claim funds related to my property located at XXXXXXXX XXXX XXXX XXXXXXXX XXXX loan number XXXX which was damaged by fire on XX/XX/year> My insurance company issued a claim payment in the amount of XXXX to cover the costs of rebuilding. The check was endorsed and sent to your office as per the terms of our mortgage agreement. 

To date, I have provided all the required documentation, including : The insurance adjusters report.

Contractor estimates and rebuilding plans.

Despite complying with your stated requirements, I have not received the necessary funds to proceed with repairs. The delay is causing significant hardship, as the property can not be restored without these funds. 

I kindly request : A detailed explanation of them reason for withholding the funds. ( This is required in order for me to submit it to my insurance company so they can file for an extension to help pay for the an offset the cost of the rebuild this has to happen as soon as possible ) A clear list of any outstanding documents or conditions required for fund release.

Immediate release of the approved portion of the claim to allow rebuilding to commence.

Per federal and state laws, including those overseen by the Consumer Financial Protection Bureau, mortgage companies are required to act in good faith and facilitate insurance claim payments for property repairs in a timely manner.

If this matter is not resolved within a reasonable time ( as pending response has already been a additional 42 days ) I will have no choice but to seek assistance through the Consumer Financial Protection Bureau, the Arizona Department of Financial Institutions, or pursue other legal remedies.

Please contact me at ________ to confirm receipt of this letter and to discuss the next steps. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. 

XXXX XXXX  XXXX
Product: Student loan

I called EdFinancial to request a refund of my loan payments on Friday XX/XX/XXXX and today ( XX/XX/XXXX ) I called for a status update on my request. The representative told me my refund request had not been processed and she could not give me an estimate of how long I should expect my refund nor an average of how long it usually takes for these refunds. This is a time sensitive matter as the federal student loan interest will start back up in XXXX of XXXX.
Product: Debt collection

I was sued and currently have a garnishment of XXXX  % of my wages being taken from a supposed account opened in XXXX. An attempt to collect is from XXXX I am not paying for when the statute of limitations in the state of Florida is 5 years. This should be illegal.
Product: Mortgage

Signed a mortgage in XXXX and XXXX 's Office around XX/XX/XXXX and closed on XX/XX/XXXX, were charged an extra {$850.00} for closing costs ( never disclosed at the time of the origination of the promissory note from XXXX XXXX ) after we were assigned a mortgage originator, XXXX XXXX XXXX, XXXX. We never signed a contract with Wells Fargo, NA nor received a promissory note for the changes to the loan ( changed the terms of the loan by increasing the rate and monthly payment amounts without a discussion or approval or disapproval of the loan agreement, no TILA followed, and violations of the notification of auction, and the collusion of Judge XXXX XXXX XXXX XXXX - he was a board member of XXXX at the time of the Final Hearings and allowed the Banks ' attorney, XXXX XXXX XXXX ( a known mortgage and foreclosure " mill '' ) to file after the deadline for the amended complaint, they never amended the complaint, just resubmitted the one from previous and did not make full discovery by producing the original, elonged note with the appropriate signatures ) ; we were foreclosed on by Plaintiff on XX/XX/XXXX ( XXXX ), less than the required 120 days of missed payments for default status with no notification of arrears nor contact to resolve. I was pro se, since the XXXX ( XXXX ) attorney 's I had hired at first were threatened and recused themselves. I don't blame them one bit, the judges and clerk, XXXX XXXX were derelict and corrupt in their actions. Judge XXXX XXXX now sits over my Dissolution of marriage, and he has shown a distinct bias towards me as the Petitioner ( XXXX ) and has allowed the Respondent to violate the jurisprudence of the trial, as they had done during the foreclosure. Several times during the foreclosure the bank 's attorney 's violated the TILA, the proceedings with mis-filings, and there were XXXX ( XXXX ) periods of greater than 120 days of inactivity, but as soon as the case was about to go to statute of limitations ( XXXX years ) the judge disregarded the Discovery and dismissed my claims of collusion, kicking me out of his court room and adjudicating without following the jurisprudence.