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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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: Student loan

The original Loan ( XXXX ) in XX/XX/XXXX was for disbursement from Salie Mae was {$10000.00} with a 9.25 % interest rate deferred until leaving school. 
The pymts began in XX/XX/XXXX & since the interest rate has increased to 10 % & the amount went from {$130.00} to {$140.00} with a current balance of {$10000.00} as of XX/XX/XXXX The 2nd loan ( XXXX ) was for {$7600.00} in XX/XX/XXXX with a 9.625 % also deferred. 
The current balance is {$7500.00}. The pymts began in XX/XX/XXXX at {$93.00}. The interest rate is now 9.875 % with pymts of {$98.00} The 3rd loan ( XXXX ) was in XX/XX/XXXX from Salie Mae for {$4000.00} with a 7.25 % also deferred. The current balance is {$3200.00}. The pymts began in XX/XX/XXXX were at {$50.00}. The interest is now 8.25 % with pymts at {$51.00}. 

As you can see no matter how I try the interest & pymts go up & the balance hardly decreases. When Salie Mae was contacted I was told that this is what I needed to pay & they would not change anything. Additionally the interest rates would continue to increase so I would owe more. 

This is a co-signed loan. I am XXXX XXXX 's Grandmother so it is becoming increasingly difficult to pay. He is still only at entry level at the job he has from his education & it is difficult for him to pay rent etc & give me money for the loans. 

I do not understand how they can continue to increase % 's as I pay each month. I asked the criteria about that & got nowhere.
Product: Payday loan, title loan, or personal loan

Back in XX/XX/2019, I applied for a SBA Business Line of Credit with TD Bank. Shortly after, I was pre-approved for a SBA Business LOC of {$100000.00}. A few days after submitting the necessary documents I decided to apply for the same LOC at XXXX XXXX. As expected, I was pre-approved for a SBA Business LOC for {$100000.00}. Long story short, I eventually closed on the XXXX with XXXX XXXX  without any issues. However, TD Bank eventually denied my application. When I asked them why? The XXXX Banker informally stated that due to my outstanding balance with the IRS, my loan could not be approved. However, I explained to the rep that, although I have an outstanding balance, I do not have any judgements, liens or defaults against me. The outstanding balance is due to a pending review and my payments are current. More importantly, I explained that another major bank had a approved me and I provided TD with my closing documents. TD Bank insisted that the denial of my application was valid and that I would receive a formal denial letter within the mail. However, its been over a month and I have not received any documents explaining the reason for my denial which has led me to believe that I am being discriminated on for either my race and or gender. I would like this situation reviewed and a valid explanation be provided.
Product: Credit reporting or other personal consumer reports

I discovered accounts that do not belong to me due to Identity Theft and have filed paperwork with XXXX and am working to have these fraud accounts removed from my credit reports. I have contacted the companies in question and nothing has been done so I am here now to complain and attempt removal this way.
Product: Debt collection

Wells Fargo Bank after purchasing another bank, Wells Fargo Bank, only inforces the banks conditions in the contract, it removes all the consumer 's rights in the contract, it takes over the property, even if you have paid it or not
Product: Checking or savings account

Hi I was applied for wise account, the account was verified and I was order the card but after some time my account was deactivated when I try to appeal they are saying that you can't appeal. 
Kindly help me to resolve my issue. 

XXXX XXXX
Product: Checking or savings account

Received two emails from Chime Financial that an account was opened in my name and that a debit card would be sent to my address. I did not open this account nor did I consent to it being opened.
Product: Credit card

I have made consistent payments on my account and throughout the years I barely keep a big balance unless its holiday or special events, when making a payment there have been times I would schedule it where it supposed to come out on the same day but depending on what account I used it would take longer for one account to even process although they state if its made before a certain time it should be withdrawn in the same day which wasnt always the case with one account. Which would lead to a reversal in payment. Although it would occur numerous of times on one account I always made a payment towards my credit card account and mostly cut down what I owe out of no where my account was closed on XXXX XXXX stating a fraud letter. Which is strange because it was just showing when I logged in that my account was suspended on that next day I had a transaction on XX/XX/XXXX which that shows on my account so even that alone threw me in a trans. I called on XX/XX/XXXX and they let me know because of reversal of payment too many times resulted in me getting my account closed. When looking for an explanation they send me to a consumer agreement that states they can close my account for any reason at any time. I believe that it was closed because each year I kept asking for an increase in my account but was never able to get one due to vauge reasons which I just feel discriminated and discouraged about the whole situation. To make things worse I just re applied which they let me open another account a few days later with a XXXX dollar less for credit its just very confusing to how they are treating me.
Product: Credit reporting or other personal consumer reports

I am victim of an identity theft, someone used my personal information and opened a fraudulent account under my name, this account is not mine, it was never used by me. I need the fraudulent account to be removed from my credit report. Yes, its a closed account but its not mine. I have reached out to credit bureaus, this is not my account, it should not report on my credit report.
Product: Checking or savings account

M & T BANK DID NOT CONDUCT A THOROUGH INVESTIGATION AFTER I NOTIFIED THE BANK OF UNAUTHORIZED DEBIT CARD TRANSACTIONS FROM CHECKING ACCOUNT. 

M & T Bank violated the Code of Federal Regulations 12 CFR 1005.11.

1. M & T Bank did not conduct a thorough investigation of M & T case # : XXXX is violating Federal Regulations 12 CFR 1005.11 ( c ) ( 1 ) a. M & T Bank staff never contacted me during the investigation. It is impossible to conduct a thorough investigation without the input of the claimant.

b. The bank staff never requested additional information during the investigation. The request for additional information took place after M & T Bank denied the claim.

c. A thorough investigation would have yielded answers to concerns such as the pattern of the debit cards use, such as timing, location, and dollar amounts of transactions ; location of the transactions relative to the residence ; location when the error occurred. 
2. No written explanation as mandated in 12 CFR 1005.11 ( d ) ( 1 ) a. The Code of Federal Regulations states, The institution 's report of the results of its investigation shall include a written explanation of the institution 's findings. 
i. See documentation labeled : Evidence # 1 Letter from M & T Bank denying the claim.

ii. See documentation labeled : Evidence # 2 Report prepared by XXXX XXXX, M & T Bank Customer Advocacy. 
3. M & T Bank provided No documentary evidence as requested per 12 CFR 1005.11 ( d ) ( 1 ) a. M & T Bank denied my right to review the documents that the institution relied on in making its determination. Upon request, the institution shall promptly provide copies of the documents. 
i. XX/XX/2023, I Requested the documents that the institution relied on in making its determination from M & T Bank Specialist, XXXX XXXX per 12 CFR 1005.11 ( d ) ( 1 ). 
ii. XXXX XXXX indicated there were no documents in the file because there was no investigation. 
Attachments : Evidence # XXXX Letter from M & T Bank denying claim # XXXX Evidence # 2 Report : XXXX XXXX, M & T Bank Customer Advocacy
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We are over the age of twenty-one ( 21 ) and competent to testify, We are the true and lawful owners of the property located at XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX as such and contrary to the claims by Defendants, and all Banks noted to be involved with interest or the acknowledgements submitted to the Clerk of the XXXX XXXX , the Documents filed in the XXXX XXXX XXXX Georgia, Records, upon knowledge, information and belief, the documents have been falsified/forged/manipulated, they are the product of fraudulent and/or illegal acts, and we dispute the validity/legitimacy of said documents, including, but not limited to the document showing it is a Security Deed, and the Scriveners Affidavit, and any and all documents in the Record, as said documents are either products of fraud, or forgery, and/or the documents that led the Defendants to come to a conclusion not consistent with Plaintiffs claims, were the product of fraud and/or forgery, and there is a great likelihood, that the documents were obtained by illegal/criminal acts. BOFA MERRILL LYNCH XXXX XXXX XXXX XXXX was and is believed to be a prodigy of XXXX XXXXXXXX XXXX XXXXXXXX. 

IN GOD WE TRUST PSALM 91
Product: Student loan

I am a student loan borrower pursuing Public Service Loan Forgiveness. My loan servicer for my federal student loans is MOHELA. 

With the return to payment after the COVID-19 student loan pause, the Department of Education issued clear guidance ( found here : https : //studentaid.gov/announcements-events/covid-19 ) that no borrower would be required to recertify income prior to XX/XX/XXXX. Additionally, that for borrowers with a recertification date prior to XX/XX/XXXX, that date would be pushed back by XXXX year. 

My loans on StudentAid.gov have been updated to reflect this public guidance. On my account, I have an IDR anniversary date of XX/XX/XXXX for each of my loans. I have provided this information to MOHELA and attached it here. 

Despite nearly XXXX months of continuous customer service wrangling with MOHELA, I have been unable to get them to accept the continuation of my current IDR plan until its expiration on XX/XX/XXXX. They are currently set to improperly increase my payments to by over $ 2000 monthly beginning in XXXX. Today I spoke with a supervisor who informed me that none of my information was correct, that it did not matter what my anniversary date on StudentAid.gov was, and that MOHELA would not provide any flexibility to the requirement that I recertify immediately. I informed her that was an unacceptable response, and asked to speak to someone else, but was told there was nobody else who could provide me with other information. 

I informed the agent that I would under no circumstances recertify my income a year before it is actually required, and that I plan to continue to make the same monthly payment as approved by my IDR plan in XXXX, no matter what MOHELA 's calculation of my bill payment is. 

The abuse of student loan borrowers- and particularly borrowers who have specifically pursued public service under the prospect of PSLF- by MOHELA has been widespread and unacceptable. This is yet another instance of MOHELA inflicting clear harm on borrowers despite clear federal guidance to the contrary- and in my case in fact clear personal information that my IDR plan expiration date is different from the date MOHELA has for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXX XXXX Balanced : {$0.00} Collection XXXX XXXX XXXX Balanced {$1500.00} XXXX  XXXX XXXX Balanced : {$990.00} XXXX XXXX XXXX XXXX Balanced : {$82.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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, also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card or prepaid card

To : XXXX XXXX Subject : Account Status Message ID:XXXX Hello. I received a credit alert today. It showed that I had an increase in usage and a decrease in available credit on my XXXX XXXX account. It showed that my XXXX limit was decreased from {$1000.00} to {$750.00}. I would like to know why my limit was decreased, since there haven't been any issues with my account? I am building a new home and this action by XXXX has drastically reduced my score which is going to hold up my mortgage financing since this action has dropped me below the score guidelines for approval of my mortgage loan.
Product: Checking or savings account

I tried adding a phone number to my account and they screwed my checking account up.
Product: Credit reporting or other personal consumer reports

I disputed an inaccurate charge-off account ( XXXX - XXXX ) with TransUnion, requesting proper verification as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ).

Despite my formal dispute, TransUnion has failed to provide a detailed description of its investigation process or any supporting documentation from the original creditor ( XXXX ). Instead, the agency continues to report the account without proper verification, in direct violation of : 15 U.S.C. 1681e ( b ) TransUnion is required to ensure maximum possible accuracy, yet the same account was deleted from XXXX, proving inconsistency.

15 U.S.C. 1681i ( a ) ( 7 ) They failed to provide a description of the investigation process within the legally required timeframe.

15 U.S.C. 1681i ( a ) ( 5 ) ( D ) Since XXXX deleted the account, TransUnion is obligated to update its records accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) This case establishes that credit bureaus must conduct a reasonable investigation and can not rely solely on automated dispute systems like e-OSCAR.

Since TransUnion has not demonstrated that it conducted a proper verification, I request an immediate deletion of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1861 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

Received an email in reference to {$630.00} balance due on XX/XX/2022 from a XXXX XXXX. I in turn called and spoke with her stating I would be making a payment of {$400.00} on XX/XX/2022. A hand delivered notice was place on my door this morning XX/XX/2022. No further contact was necessary, I know my rights and they are in violation : 15 U.S. C. 1692b and c and d and e and f 18 U.S.C. 1514 My payment will be made as I stated to them.

Thank you for your time and assistance in this matter. 

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

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been paid in full. The company website has no way to attach receipts of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the the Fair Credit Reporting Act 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. also states a consumer reporting agency can not furnish a account withought my written instructions.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, the affiant, submit this affidavit with clean hands as the living woman to address unauthorized actions by this credit reporting agency, known as XXXX, XXXX, XXXX and other third party companies. 

This affidavit addresses serious issues, including character defamation and identity theft, as defined in 16 CFR 603, which prohibits the use of another person 's identification without authority.

In relation to the permissible purposes of consumer reports under FCRA 604 ( a ) ( 15 USC 1681b ), it is asserted that there was no written consent from me, the consumer, for this consumer reporting agency to furnish and house my information without lawful authority. While 15 USC 6802 may suggest exclusions, it also states that the consumer reporting agency is in accordance with the Fair Credit Reporting Act.

According to 15 USC 1681a ( 2 ), transactions between the consumer and the person making the report are supposed to be excluded from my consumer report. These rules of construction govern the terms, emphasizing that such actions must not appear on my report without proper authorization. 

With this in mind, if you assert that I received goods or services in exchange for any of these unauthorized transactions reported on my consumer report, you must provide a signed and notarized affidavit from a party within your corporation who is authorized to do so and possesses firsthand knowledge of these transactions. 

I demand the following actions to protect my reputation as the consumer : 1. Delete all risk factors immediately to safeguard my reputation.

2. Remove all inquiries permanently from my credit report.

3. Remove any fraud alert once all matters have been resolved.

4. Eliminate any delinquencies immediately.

5. Restore or delete any late payments from my credit history.

The presence of multiple installment and revolving accounts with delinquent or derogatory statuses, along with insufficient credit history, negatively impacts the consumer 's credibility and perceived financial reliability, potentially limiting their access to loans, credit, or housing, while also representing private matters that should not be publicly disclosed.

The principle that is it a fault to meddle with what does not belong to or does not concern you underscores the gravity of these violations. My rights have been compromised, and I hereby demand the blocking of associated information pursuant to FCRA 605 ( b ) ( 15 USC 1681c-2 ). My request to block is made in good faith and is not based on any misrepresentation of facts. My nonpublic personal information has been unlawfully disclosed, resulting in defamation and emotional distress, which have hindered my pursuit of happiness.

Furthermore, I will not accept a wrong without remedy. Should these matters not be resolved promptly, I will pursue civil action under 12 CFR 229.21 ( Civil Liability ) and 15 USC 1681n for each instance of non-compliance. 

I affirm that all statements herein are true and correct, and I have attached a list of accounts opened due to identity theft.