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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX Balance XXXX {$540.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$390.00} ; XXXX Balance : {$680.00} ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing about a over 30 years old fraudulent student loan. I was a minor when I attended XXXX XXXX XXXX. This was a corrupt XXXX school along with over 36,000 students, my information and signature has been copied and pasted on documentations without my authorized consent. I do not have any signed contracts with any collection agencies or loan services. I've contacted Navient loan servicing about this fraudulent claim by certified mail on XX/XX/2018. Also, reported by CFPB Navient is facing 4 lawsuits alleging that it harmed student loan borrowers throughout the repayment process. Navient miscalculated payments, steered struggling borrowers toward multiple forbearance instead of income-driven repayment plans, and provided unclear information, etc ... I've contacted ALL 3 credit bureaus, XXXX  has completely removed this from my credit report. However, XXXX  and XXXX has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.
Product: Mortgage

On XXXX XXXX, XXXX trees fell on my house completely destroying the part of the house where I live. Since that time I have been homeless. My insurance company, XXXX XXXX, provided what I think will be enough money ( {$120000.00} ) to repair my house but all checks have required an endorsement by both myself and my mortgage company, Ditech Financial LLC. Ditech has cashed the checks but refuses to tell me if the money is held in escrow. I was able to borrow enough money to remove the trees ( {$12000.00} ) and the debris from my fallen house ( {$24000.00} ). I have sent the documentation to Ditech ( https : //www.ditech.com/ ) repeatedly. The insurance company provided checks to cover the completed work and has sent all required documentation at least 3 times. I have tried to supply all of the documentation requested by Ditech including contractor license numbers, XXXX forms and lien waivers ( some seemed to have been lost by Ditech and were never put in my Ditech file so they were sent two or three times ). They have told me that I have now submitted all required documentation but they do n't send the money. XXXX checks for materials were sent but they were made out to the wrong suppliers so they had to be returned. I have received multiple letters saying that my information is being sent to a bill collector. I have never been late on my mortgage in the XXXX years that I have owned the property. 

I am acting as my own XXXX because I was fully involved in the original construction of the house and there is not enough insurance money to hire a general contractor. With the intervention of the insurance adjuster, Ditech released {$10000.00} which does not even pay for the money that I had to borrow from family and friends to do the demolition and tree removal. My loan is a XXXX XXXX loan and as I understand the laws governing XXXX XXXX loans, this money needs to be in escrow and the interest earned sent to me at the completion of the claim. The mortgage is around {$140000.00} and the land alone excluding the house has a valuation of {$180000.00}. 

I have a XXXX XXXX loan and according to the following website, I believe that I an entitled to a disbursement of {$40000.00} plus the amount that I have already paid for the tree removal and the demolition. XXXX ). 

I am XXXX XXXX XXXX and have very limited income so that I am unable to get a loan to fix the property. I do not have money to hire a lawyer for litigation. Do you have any suggestions on how I can proceed if your office is not able to help me? I called the XXXX office and they offered no help except to tell me that I needed to deal directly with the mortgage company. When I said that I was talking to the mortgage without any effect, the XXXX representative hung up on me. I need help in getting money released so that I can repair my house.
Product: Money transfer, virtual currency, or money service

I executed a deposit transaction into my Square account on XX/XX/2021. On XX/XX/2021 I was notified my account was locked and I would have to wait 180 days, but no less than 150 days, for access to the funds. It has been over 180 days and my funds are still locked. The company has made no attempts to allow me access to my money. I just simply want to retrieve the money I was paid and is still locked in the account. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute the following accounts on my credit report. 

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

Bank of America and XXXX have negatively affected my XXXX XXXX consumer report. XXXX XXXX is reporting an account closed by Bank of America which is fraud. XXXX is fraudulently reporting a bank of America to an account closed under my name on XXXX.
Product: Checking or savings account

Good Morning, I have been attempting to link my account with XXXX in effort to begin buying stocks. I have continued to be blocked by PNC to link my checking account with XXXX. I do not understand the reason for this. Please provide me some type of addition information. Thank you. 

Respectfully, Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped by over 100 points from XX/XX/XXXX to XX/XX/XXXX. 
I have reviewed my credit report and all 3 scores from the main credit bureau. There are 2 accounts in question - my student loan account and my XXXX XXXX credit card. 

I was severed from my job in XX/XX/XXXX. My unemployment benefits ran out in XX/XX/XXXX and at the same time, my APR for that wells fargo credit card increased from 0 % to 19.5 %. I was making payments, on time, but because of the increased credit rate, it put me over the credit limit and the payments I was making were still considered " late '' because I couldn't pay the entire amount. 

If you review both the student loan and credit card history, I have made timely payments for 3+ years. While I had an unfortunate circumstance due to the job loss and lack of income, that should not have affected my credit score by over 100 points in 30 days. The accounts previously mentioned are both current and have been since XXXX and XXXX and are in good standing. In reaching out to all 3 credit bureaus, I can not get an answer on WHY my credit score dropped so significantly in such a short amount of time. Also, due to Covid/Job loss, I would expect some grace would be given in this cirucmstance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is not right, it should be XXXX XXXX XXXX and not XXXX XXXX. 

Also I have two address on my report that are not mine, the following addresses are XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Debt collection

I have been contacted on 2 separate days from XXXX and XXXX claiming to be a collection agency collecting outstanding debt. in my name from the online store XXXXXXXX XXXX. I've never used this store and I would not provide my last 4 of my SSN, my DOB or mailing address.

When I asked them what they had for a mailing address on file they replied XXXX, TX. I have never lived there. 

I told them they could file a collection against me because it is not my debt and I wasn't paying it nor was I providing any information.
Product: Checking or savings account

I have filed my complaint with Chase Bank earlier ( XXXX ) and now I received another letter informing me that they would start charging me {$5.00} fee for the savings account that I 've been trying to close for months, which they did n't even informed me until NOW. They said they would waive my fee until XX/XX/XXXX since they forgot to inform me but this is just an added stress to their already sloppy service. I do NOT want to be charged for {$5.00} fee for the account that should have been closed months ago.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX
Product: Credit card

At around XXXX XXXX XXXX, XXXX  XX/XX/year>, I received an alert from XXXX 's " TruIdentity '' program stating that someone ( via Chase XXXX XXXX XXXX asked for access to my XXXX credit report. 

I DID NOT recently apply for ANY type of credit from Chase, so I do not know WHO would do this. 

AN INITIAL FRAUD ALERT has now been placed at EACH of the three CRAs via XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Experian, to dispute an account, in which ; the statutes of limitations have already expired. Experian has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # XXXX
Product: Checking or savings account

Bank of America promised to re-open my closed account if I provide evidence from XXXX XXXX that they did not honor my check because of signature issues and not because the funds were unavailable. The evidence from XXXX is attached and it was given to Bank of America management as an email attachment since XXXX 2016. <P/>The issue I am now having is why I keep getting a bank statement for my checking account ( account # : XXXX ), but in my online account it shows that I only have a mortgage account. My checking account was supposed to be open so that I can deposit money and pay my mortgage online without coming to the bank. Can someone please reopen my account as promised? <P/>Thanks.
Product: Credit reporting or other personal consumer reports

Now I have discovered that the item XXXX XXXX XXXX has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX.

The information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report and block collectors from reinserting any accounts immediately from my consumer profile. I will be corresponding with the Consumer Financial Protection Bureau as we resolve this Incident.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Citibank sent a letter to me indicating denial of a preapproved double cash mastercard application due to a filing of XXXX 
The one and only XXXX involving myself occurred in XX/XX/XXXX. Citibank was on the list of write offs at that time in the amount of {$1900.00}. 
They also indicated a " history '' of late payments, which is an outright lie. They claim one late payment in XX/XX/XXXX. Which I dispute as I have never, ever been late 30 days.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX # XXXX XX/XX/XXXX XXXX owed {$1800.00} XXXX # XXXX XX/XX/XXXX XXXX owed {$850.00} The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Complaint about Wise Money Transfer online The first time they froze {XXXX and closed my account. After several attempts to contact them, they told me that my account had no money when they closed it. 
And the second time they XXXX XXXX XXXX, and when I told them about this, they closed the account and did not respond to me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX 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 :
It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Credit reporting, credit repair services, or other personal consumer reports

X/XX/2017 Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement dated XXXX XXXX, 2017. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to XXXX  inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. XXXX reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is XXXX XXXX error that caused this issue.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information.

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$5200.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence with FCRA, Experian and XXXX have violated my rights w/Account # XXXX alleged company : XXXX 15 usc section 1681 ( 602 ) ( a ) states i have a right to privacy 15 usc 1681 section ( 604 ) ( a ) ( 2 ) consumer agency can not furnish an acct without my written instructions 15 usc 1692f ( 1 ) unfair practices ; thus XXXX has violated my rights as well I have asked several times to remove inaccurate account, please remove
Product: Credit reporting or other personal consumer reports

Equifax is in direct federal violation of my consumer rights. 

The XXXX XXXX XXXX XXXXXXXX account should no longer be on my reports. 

The information regarding the payment dates is wrong, the ownership / reporter of the account is not being told to me from Equifax and Equifax have also ignored a lawyers request for arbitration. 

I demand that Equifax remove the report from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my LENDINGUSA account. 

Id have an excellent repayment record. Ive had a spotless record of on-time payments. 

Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX. 

Thank you for your consideration, and I hope youll approve my request. Also request a payoff letter to pay balance off in XX/XX/XXXX. 

Best, XXXX XXXX
Product: Checking or savings account

Hi I done an ACH transfer from Santander account by mistake which I never choose overdraft line of credit. I told them clearly I don't want overdraft facility at all they should not procees payment if there is no money but they done that anyway!! 

An ACH tranfer of {$300.00} is {$780.00} in just 2 weeks!! They blocked me logging into my own online account with since I was planning to transfer on Day 1.Below is the attached bank opening document which clearly states I didn't choose overdraft but Santander bank put overdraft facility without me choosing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an score alert today XXXX.XXXX.17 from Experian saying my FICO score dropped 20 points without any explanation why. I contacted Experian to find out why my score dropped, the representative in the membership department reviewed my last credit report and checked the previous report for any changes between the two. Their was no change in my credit report. The representative said she do n't understand how or why my score would change without a change on my report. No one at XXXX was able to explain why my score dropped significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one well not fix my credit information the amount and credit limits are incorrect