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

I recently revied my credit report and I was shocked to find out that I have been a victim of identity theft. I found a closed collection account on my credit report that was not open by me. This was been hurting me as I am trying to buy a family home. Please remove the fraudulent closed collection account from my credit report as soonest possible XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX  Date opened XX/XX/year>. Balance {$3300.00}. Account Number XXXX. Also I am attaching a copy of my driver license, copy of social security card, copy of utility bill and copy of identity theft report. 


THANK YOU SO MUCH.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX claims that it never received credit reporting agency disputes from TransUnion. 

I submitted disputes via my XXXX XXXX account which partners with TransUnion. 

Disputes to correct inaccuracies for my XXXXXXXX XXXX account were submitted ( XXXX ) XX/XX/XXXX with investigation completed XX/XX/XXXX and submitted ( XXXX ) XX/XX/XXXX with investigation completed XX/XX/XXXX. 

TransUnion sent a copy of my credit report showing no dispute information. 

TransUnion CEO was unresponsive to my letter sent XX/XX/XXXX requesting verification that XXXX had been provided my disputes and to provide to me feedback from XXXX in response to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian, XXXX, and XXXX shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. )
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Loan # XXXX Lender Name : Lakeview Lender is including assistance provided by Florida Housing on a payoff amount of the loan that also includes an interest rate of 6.875 % in an attempt to refinance my loan using a different Lender. Lakeview has provided 4 payoff amounts that are showing different payoff amount within the same month and the month. Issuing payout with same origination date and expiration date making the document not valid. Has failed to disclose the reason for such differences in interest payment and fees within 2 payouts in the same month. Not accredited my XX/XX/XXXX mortgage payment on the payoff that expires on XX/XX/XXXX and has also failed to provide all settlement documents and agreements to justify their right to add and distribute the payoff back to an assistance program I was approved for. 

The Payoffs Requested First Payoff Requested Date : XX/XX/year> Expiration Date : XX/XX/year> Payoff Amount : {$340000.00} Second Payoff Requested Date : XX/XX/year> Expiration Date : XX/XX/year> Payoff Amount : {$340000.00} Realizing how close I was to the end of the month and that Monday would be XX/XX/XXXX when payment of mortgage would lower my payoff amount. I requested a payoff amount for the month of XXXX and they provided this XX/XX/XXXX payoff making me uncertain of their payment methods. 

Third Payoff Requested Date : XX/XX/year> Expiration Date : XX/XX/year> Payoff Amount : {$340000.00} The amount shows the same balance and interest percentage value but the calculations show a high difference in the amount yield of the same value and also the balance should have been less since they should have provided a payoff valid from XXXX with the principal of the loan accredited to the balance. 

Forth Payoff Requested Date : XX/XX/year> Expiration Date : XX/XX/year> Payoff Amount : {$340000.00} Once again Lakeview issued an invalid payoff due to same day issue being establish as the expiration date. They have not provided the settlement details and agreements where I allow them to manage my assistance funds and be entitled to do a payoff on my behalf. They denied me of a confirmation of them issuing the payment to Florida Housing after they receive the amount set on the payoff which is showing irregularities and not being able to follow Truth in Lending Act and Regulation Z.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was the victim of identity theft. ( With proof ) and the person responsible did over $ XXXX of merchant disputes or " chargebacks '' using my debit account. When this was happening I was outside the country with only my debit card to use. Chase suddenly cut off my card without ANY notice or notification about it. Then they couldn't verify my identity when I called about my card not working. WE DIDN'T EAT FOR 2 DAYS BECAUSE OF THIS! Then I called for a week and finally chase verified my identity and told me " as of now your account is permanently closed and JP Morgan Chase FOR LIFE '' Now I'm back in the united States and received a bill for {$14000.00} that chase says I owe for even though I reported it to chase that it wasn't me. I even called them daily about it for over a month while on vacation and they said they have no record of anything. I have call records and calls recorded regarding me reporting it to chase. I am also banned from XXXX for life. The same person used my XXXX account to send fraudulent money to people in my name!! I have proof of the identity theft happening. The individual told me he works for " XXXX XXXX '' a lender I had recently applied with and sent me paperwork regarding the loan I was approved for ( still have it ) and that he needs my chase account information to send the money to via wire or ACH payment. I agreed that's when the problems started. He delayed paying anything for 3 days then I called XXXX XXXX and they told me my loan was denied and they have never heard of this individual. Then when I called him about it he threatened me with going to jail and the FBI over text messages. I have all of this proof but chase is still holding me accountable. I don't know how many times I can tell them it's not me and I was outside the country and to look at the recent charges. They closed my account and I still had money in it! Like I said we didn't eat for 2 days because of this happening! No notification no message from chase and my number worked over WiFi calling for receiving calls and texts just fine!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against XXXX, XXXX and Transunion for continuing to allow an item that is not mine to be placed upon my credit report which is preventing from getting into an apartment in Texas to see my grandchildren. I am XXXX years old and this harassment has caused me much grief, pain and embarrassment being turned down for an apartment fir something I do not owe I have filed requests under Section 609, 611 of The Fair Credit Reporting Act and complaints under The FDCPA. Rent Debt has been reporting for over a year an item to my credit report that is not mine. I even filed a complaint with this Consumer Financial Protection Bureau and they once again verified the debt as accurate. 

Please find my notice under Section 609, 611 FCRA and FDCPA along with notarized affidavit that this erroneous debt does not and never did belong to me. The debt collector sent me one page of unexecuted lease with a fake signature of mine. 

I hope the bureau pursues this matter for the violations of all of these parties.
Product: Mortgage

Are house payment was auto draft out of are bank every month on the XXXX. The loan company did not take out XXXX payment out of the bank then in XXXX they started pulling a full payment and a week to two weeks later they pulled a half payment. They where doing this until the end of XXXX. Every time we would talk to them we would get a different story from them saying that we are two months behind then a week later saying we are five months behind. Are bank says that we should be caught up and now the loan people as got are credit all missed. Up that we can not even refinance are house loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion have furnished a credit profile without my verbal or written consent! I've demanded that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They cant produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. 
The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. 

Again this is a violation of my rights to privacy. They also are allowing companies to pull this report with my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report I never gave XXXX consent to create.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS AND INQUIRIES LISTED DOES NOT BELONG TO ME AND IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. THESE ACCOUNTS SHOULD NOT BE REPORTING ON MY CREDIT. I HAVE A LOT THAT I WANT TO ACCOMPLISH AND BECAUSE OF THE DAMAGE THAT THESE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED, I AM AT PAUSE WITH EVERYTHING. I AM ASKING THAT THIS MATTER PLEASE BE RESOLVED. PLEASE RE-INVESTIGATE AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AT YOUR EARLIEST CONVENIENCE.
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : DEPT OF EDXXXXXXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXXXXXX XXXX, XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

I was harassed by what I am assuming was the debt collector lady. She would repeatedly call my phone, aggressively beat at my door, and continuously sit outside of my house. I attempted to call in and come to an agreement so that i could pay the loan in full, but any time they got me on the phone I would experience complete aggression and disrespect. I was too afraid to go into the store because of the stalking and intimidation I was experiencing. If needed I can obtain witness statements from other Adults living in the house at the time.
Product: Credit reporting or other personal consumer reports

Assertion of My Right to Privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CONSUMER FINANCIAL PROTECTION BUREAU I am writing to formally assert my right to privacy concerning my personal information and financial records. It has come to my attention that SANTANDER CONSUMER used my personal information and disclosed without my consent, and my financial records have been mishandled and also misreported, which constitutes a violation of my privacy rights.

Basis for Concern : 1. The information in question includes personal information, such as account numbers, Social Security numbers, which I believe has been improperly shared or utilized.

2. Under laws such as the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and other privacy regulations, I am entitled to the protection of my personal and financial information.

Unauthorized access or disclosure of my personal data violates my right to privacy.

3. I request a detailed explanation of how my information was obtained, shared, or used, including any third parties that may have accessed this data without my consent.

Please consider this letter a formal request for action to rectify the current situation. I expect prompt attention to ensuring my personal information is safeguarded and that measures are implemented to prevent future violations of my privacy. 
Thank you for your attention to this significant matter. I look forward to your timely response detailing the steps that will be undertaken to address my concerns. 
Sincerely, XXXX XXXX
Product: Debt collection

My spouse and I have disputed debt with Columbia Debt Recovery LLC. We never received a debt validation letter in the mail. Additionally, we sent a request for debt validation letter to the company via certified mail. After 30 days, we never received a response from the company.
Product: Vehicle loan or lease

XXXX i went to the dealership, SIDE DELLAER THAT WORKS WITH XXXX  and they price gouged on vehicle I wanted to call them they close down they added gap insurers in the contract, but didn't add to payment but i was paying for it and they were saying i need to be put in more risky loan during cov 19? deceptive practice AND defrauding me out of a sale price during world emergency 's i don't understand how they are defrauding millions of people out of there hard working income and sale price the car was priced at XXXX they sold me high priced vehicle they add this price in the sale price now I stuck dealing with overpriced car they told me it was XXXX and with gap insurers they deftly deceived me
Product: Credit reporting or other personal consumer reports

**FORMAL DISPUTE - DEMAND FOR REMOVAL OF INACCURATE INFORMATION** Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification XXXX XXXX XXXX XXXX  **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX ***- Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report Incorrect Name - XXXX XXXX - This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT.

in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g.

They were to notify me of this in writing 5 days prior, I was not.

As the original creditor, only I can validate this debt. I do not validate this debt.

# # # Legal Basis for Dispute and Unyielding Demands : **1. FCRA Section 605B, 15 U.S.C. 1681c-2 - Block of Information Resulting from Identity Theft** In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally demanding the immediate blocking of the aforementioned account as it is a direct result of identity theft. Enclosed **2. Verification Documentation : ** Should you dispute my claims, I demand you provide verifiable documentation to substantiate the accuracy of the reported information.

**3. Permissible Use Inquiry : ** A thorough review of the permissible use of my consumer report must be conducted. Any unverifiable accounts must be swiftly removed.

Your prompt compliance with these demands will not only adhere to federal regulations but also restore my trust. However, any delays will compel me to escalate this matter to the relevant authorities.

I expect to hear back from your office within 30 days of receipt of this letter to confirm that the inaccuracies have been rectified.

Thank you for your immediate attention to this urgent matter. 
( XXXX  to bring informal on by at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in a, consumer file to which the agency could otherwise obtain access under this subchapter
Product: Student loan

Complaint to the Consumer Financial Protection Bureau Subject : Complaint Against Mohela & FSA Incorrect XXXX XXXX Processing Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Mohela and the Federal Student Aid ( FSA ) office regarding the misapplication of my XXXX XXXX XXXX XXXX ( XXXX  ) and the mishandling of my loan consolidation, which has resulted in unnecessary delays and financial hardship. 

Issue Summary : I previously applied for a loan consolidation of XXXX loans, which was submitted prior to the final approval of my XXXX XXXX XXXX XXXX. I received confirmation that the XXXX loans were successfully consolidated before the final XXXXXXXX XXXX approval. However, when my loan forgiveness was processed, the system held my new consolidation in a pending status, despite it being completed before the XXXX XXXX was finalized. Instead of applying XXXX to the newly consolidated loan as confirmed by XXXX, the system only applied XXXX to the earlier consolidation loan, leaving XXXX of my XXXX consolidated loans ineligible for XXXX 

Additionally, Mohela automatically placed my loan into forbearance under the XXXX XXXX, starting in XX/XX/year>, despite my active loan being in a standard repayment plan. This was done without my consent and has prevented my loan from accruing the necessary final qualifying payments toward XXXX XXXX. 

Key Issues : 1. Incorrect XXXX Application : My loan forgiveness was applied to a loan that was still in the process of consolidation, preventing my active loan from receiving forgiveness. 
XXXX XXXXlure to Recognize Consolidation Completion : XXXX confirmed my new consolidation was completed before the XXXXXXXX XXXX was processed, yet the system ignored this and incorrectly left XXXX loans out of the XXXXs process. 
3. Unilateral Loan Forbearance Placement : Mohela placed my loan into forbearance under the XXXX program without my enrollment or consent, preventing my payments from counting toward XXXX. 
4. Failure to Recognize Eligible XXXX Payments : My active loan is currently stuck at XXXX of XXXX qualifying payments due to the improper loan XXXX application, even though I have submitted all XXXX XXXX to confirm my eligibility. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX | XXXX | XXXX
Product: Debt collection

This is not my bill. I am disputing the experian credit bureau to remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an American XXXX XXXX veteran living in the XXXX for the past 8 years, I am also a member of the XXXX XXXX XXXX XXXX. Every time I try to get a loan or credit card they deny me because all the credit bureaus in the United States give me a bad rating. I am a home owner here free and clear but none of that information is on any report. Also, they keep telling me I have not opened any revolving accounts in the past year, if I live in the XXXX why would I open an account in the United States? Also I am unable to get a copy of my credit score as they tell me I have to be in the United States. What a mess?