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

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these information at the earliest possible time. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX... XXXX : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX... XXXX : -
Product: Mortgage

On or around XX/XX/XXXX, a mortgage related to a residential property in XXXX XXXX, New York, was unlawfully assigned and fraudulently transferred without the homeowners knowledge or consent. The initial mortgage assignment occurred improperly on XX/XX/XXXX, XXXX to its official recording date ( XX/XX/XXXX ) raising serious concerns of document forgery, fraudulent notarizations, and illegal title transfers. Additionally, the lender involved XXXX XXXXXXXX XXXX XXXXXXXX, operating through Alliance Funding at XXXX XXXX XXXX, XXXX, NY XXXX ) collapsed and entered FDIC receivership on XX/XX/XXXX, calling into question its authority to conduct assignments during this period. Further complicating the matter, the mortgage was assigned to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX before the trusts legal existence in XXXX. 
Entities and individuals involvedincluding XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), represented by XXXX. XXXX and XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX ; Select Portfolio Servicing ; XXXX XXXX XXXX XXXX ( as trustee ) ; and XXXX XXXX XXXXXXXX XXXX XXXX implicated in submitting, notarizing, and benefiting from allegedly fraudulent documentation. False affidavits and improperly notarized assignments were filed with the Orange County Clerk 's Office, resulting in unlawful foreclosure actions and deprivation of rightful property ownership.

These actions appear to constitute violations of federal statutes ( 18 U.S.C. 1014, 1028, 1341, 1343, and 1344 ) and state laws ( New York Penal Law Articles 175, 190, and 187 ; Real Property
Law and Executive Law 135 ). A formal complaint has been initiated in civil court ( Orange County Supreme Court, XXXX XXXX. XXXX ) as of XX/XX/XXXX, alleging fraudulent misrepresentation and improper title transfer. Law enforcement intervention has also been requested from the XXXX XXXX Police Department to investigate and prosecute these alleged criminal activities.

Immediate action by the involved institutions to investigate and rectify these fraudulent activities is requested.
Product: Student loan

I am in need of assistance in straightening out my accounts with your organization. I have called multiple times and get the same answer yet my balance is not corrected! I keep getting told it will b e 5-7 b usiness days to fix the issue.its been nearly  2  weeks and my Stafford loan balance is still not correct. I made an extra {$700.00} payment to the  Stafford Loan  specifically and someone there arbitrarily decided to split the payment between the accounts!   XXXX   XXXX    XXXX  verified the payment was sent, yet the Stafford account is still today NOT showing the correct balance of {$1300.00}.   I noticed today a class action lawsuit is in the works regarding this same type of issue! This needs to be fixed and shouldnt take fifteen calls to your call center in the  XXXX  and the aggravatin g 3  minutes it takes just to connect to a live person!   PLEASE HELP!      XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account USAA SAVINGS BANK which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that USAA SAVINGS BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Wisconsin XXXX ] [ XX/XX/year> ] XXXX XXXX XXXX XXXX 
[ XXXX XXXX XXXX XXXX MN XXXX ] Re : Cease and Desist Communication Regarding Alleged Account Request for Deletion To Whom It May Concern : I demand manual review!!

This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and is being sent regarding an alleged account with XXXX XXXX that has been reported as closed and charged off. I assert that your furnishing of my credit information to consumer reporting agencies was done without my written consent, violating federal law. 

Basis of Complaint and Legal Violations : XXXX. Lack of Written Consent : Under 15 U.S.C. 1681b ( a ), you are required to obtain my explicit written consent to furnish my credit information. At no point did I provide such consent. Reporting this account without proper authorization constitutes a clear violation of the FCRA. 
XXXX. Demand for Manual Review : I am requesting a manual review of my records to identify and confirm the lack of written consent associated with the furnishing of this account. In addition, reporting inaccurate or unverifiable information is strictly prohibited under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
XXXX. Right to Cease and Desist : Pursuant to 15 U.S.C. 1681c ( a ), you must immediately cease all communication regarding this alleged debt, including communication with consumer reporting agencies. Reporting to credit bureaus constitutes a form of communication and must also cease. 

Action Demanded : I demand the following corrective actions : XXXX. Immediate Deletion : Remove all references to this account from my credit report with all consumer reporting agencies. 
XXXX. Letter of Deletion : Provide a formal letter of deletion notice, confirming that the account has been removed, and send it to my email address at [ XXXX ]. 
XXXX. Notification to Consumer Reporting Agencies : Notify all credit reporting agencies to which this account has been furnished that the account was reported without authorization and must be permanently deleted. 

Failure to comply with these requests will leave me no choice but to pursue legal remedies. This includes filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as initiating arbitration or litigation under 15 U.S.C. 1681n for willful noncompliance or 15 U.S.C. 1681o for negligent noncompliance.

This matter must be resolved within 30 days of receipt of this letter. If no action is taken, I will proceed accordingly. 

Sincerely, [ XXXX XXXX XXXX XXXX
Product: Debt collection

An account was illegally opened in my name in a case of identity thief. Bank of America then not only closed the illegally opened account, but all my accounts that were in 100 % good standing. They then demanded immediate payment of all debt which forced me into financial hardship.
Product: Checking or savings account

Money was being sent from my chime account that I did not authorize and I explained I must have been hacked and they suggested that an investigation was done and the XXXX that was taken from me was accurate and I did not authorize the transaction at all.
Product: Checking or savings account

Many years ago, we left Bank of America because they kept charging multiple fees for small items around a XXXX XXXX weekend. We were charged over {$350.00} for less than {$30.00} of total purchases. That was totally ridiculous. We tried to fight it and eventually got some of the money back. This was the last straw. Funds being transferred in were delayed unnecessarily for over XXXX weeks, fee surcharges were outrageous. Credit card fees were crazy. 

Never again would we bank with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 all three of my credit score accounts are reporting that I am deceased I am not deceased
Product: Mortgage

In XXXX XXXX XXXX I received a mortgage statement from Citizens Bank which indicated I might have a shortage to my escrow. 

Subsequently, I sent in a check to cover the deficiency and added notes onto the check to make sure that the extra payment would be applied correctly. It was not, even though they set me up on auto draft. 

Having had issues with Citizens Bank regarding my tax information last year, I'm inclined to reach out in hopes to get this corrected. 

As of recently, I've been sent several late notices, which has added extra expenses, fees, lost time, and undue stress to my busy schedule, although my issues date back way before this period. Since XXXX, I've called Citizens at least 5 times to get the issue resolved, and as of today, this issue has still not been corrected. As you can imagine, this has been very stressful, and I believe this to be very unfair, and slightly deceptive from Citizens Bank and would appreciate any help looking into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. this is horribly impacting my life tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my credit pulled due to a bill I received in the mail. I have never heard from the place before. I suspected identity theft. When I looked at my report I was taken by surprise on a couple of derogatory items that I've never opened. These things listed on my applications a.re not mine. XXXX XXXXXXXX XXXX XXXX DEPTEDXXXX US DEPT ED, XXXX. I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report. US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced my loan and Loancare received the funds for the refinance on XX/XX/XXXX. Loancare appeared to charge {$920.00} for 16 days of interest in XXXX. This interest per day rate of {$57.00} was higher than the interest per day for the previous months, XXXX 's interest per day rate was {$20.00}, XXXX 's was {$20.00}, and XXXX 's would have been {$19.00}. I asked them to clarify why the interest per day rate was higher for the 16 days XX/XX/XXXX but they told me to call their XXXX number instead of providing an answer. The reason I sent in the complaint was so that they could investigate it and get back to me with the explanation. The telephone representative likely won't know why i was charged more interest in the final period before the refinance of the loan. I tried doing a web search to see if this is typical but didn't find anything.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XX/XX/XXXX   {$10000.00}  XXXX   XXXX   XXXX  says I owe Dispute after dispute after dispute to no avail ...   Contacted t he Better Business Bureau a nd reported incident Reported t o The Attorney Generals Office  and told entire story Called  XXXX   XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I earnestly implore you to take immediate and decisive action to remove the fraudulent accounts from my credit report.
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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

I have repeatedly advised Trans Union that the following requests for my credit were not authorized. They refused to remove the fraudulent inquiries and they continue handing out my credit report without proper authorization. 
XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 Furthermore, I do not have a XXXX loan. The went through some kind of acquisition and/or company split and they are reporting an account late incorrectly. My account was paid off years ago and was never late. It was constantly in an in school deferment. Transunion refuses to fix the error.
Product: Debt collection

CONSERVE XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX -added extra fees to my assumed " debt '' of XXXX which is against the ( fair debt collection practices act ) [ additional information ] -Tried to dispute debt several times with only receiving very bias results which started with the Dept of the  Treasury. 
-Did not receive reply 's on many occasions as I tried many times to communicate with them. 
- '' Debt '' was not communicated to me until it was going to collections. 
-Debt started with the XXXX XXXX 
I tried to discuss debt with treasury first but they had bad communication and false phone/fax/email numbers. 
-I have phone, emailed, faxed and mailed for communication methods.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have repeatedly asked for validation of this debt, and all they send is a statement with a balance owed and no details. The collection notice has been sent in XXXX. Their debt collectors have threatened me with going to court and showing up at my work. I have tried on many occasions to resolve this issue with the company, and when I ask for proof of the debt, I am either hung up on threatened. This is not my debt, I never received this card. They are enabling my ability to receive private student loans. I have been a victim of identity theft on more than one occasion and have provided FTC Complaint numbers to them and the credit bureaus. I have also filed numerous reports with postal service about not getting my mail. These people can not threaten me or continue to falsely accuse me of this debt. It needs to be removed from my credit file immediately. My XXXX account was hacked on more than one instance and my personal information was exposed. Please see attached documentation.
Product: Vehicle loan or lease

I had a vehicle loan and mortgage loan with Wells Fargo. I believe I was overcharged in fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXXXXXX XXXX U S DEPT OF EDXXXX XXXX XXXXXXXX XXXX {$1900.00} XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX {$29000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX  Also please immediately remove the unknown names and unknown addresses that I listed on my FTC identity theft report that I have attached... Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft There is information on my consumer report that is result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. 
I have requested to Transunion credit reporting agency to remove, deleted this information from my credit file. 
I have filed several disputes with Transunion requesting to investigate and remove the a bellow accounts information from my credit file I have filled a Identity Theft report with the Federal trade Commission report # XXXX I mailed this report to Transunion several occasion using US certified tracking number # XXXX XXXX XXXX XXXX XXXX and their robotic response continuously denied accepting my dispute of information Transunion keep violating my consumer right under 15 U.S.C 1681a ( q ) ( 4 ) Definition : identity My request to deleted those accounts is not being made in error since I submitted to Transunion a notarized letter to dispute such information the letter was notarized by XXXX XXXX XXXX XXXX Public Oregon XXXX NO XXXX this letter will be added to this dispute why Transunion response in a letter my dispute is an error? 
the accounts result of Identity Theft that I have reported several times to Transunion are : Account name : XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXX. Account number : # XXXX. 
Account name : XXXX XXXX XXXX. Account number : # XXXX Account name : XXXX XXXX XXXX XXXX. Account number : # XXXX. 
Account name : XXXX XXXX XXXX. Account number : # XXXX Hard inquiry on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX Hard inquiry on XX/XX/XXXX from XXXX XXXX XXXX my request to block and delete such information is not made on the basis of a material misrepresentation of fact by me relevant to the request to the identified transaction. The identified transaction are not information related to any transaction by me as a consumer. 
why Does TransUnion accused me of misrepresentation?

can you provide the prove you have for making such as accusation?

Transunion letter will be added Transunion lied in a letter reporting to me that those accounts were removed from my credit file Transunion has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.
Product: Student loan

This report is in regards to Navient. Students who have loans in 'In School ' or 'No Payment Due ' status aka 'Deferment ', are unable to set up or continue making payments using the 'Auto Pay ' feature. In my specific case, I was between schools and decided to set up 'Auto Pay ' in order to keep up with the payments. Once I returned to school to pursue my XXXX degree, the automatic payments stopped without notice. I have called and emailed to gain clarification on why I can not set this up, but to me, it seems like it was created this way by design. I was advised to log in and make payments manually, which for students such as myself with a number of separate direct loans, is not an easy task. 

The website states : " In general, a loan that is not in active repayment status is ineligible for Auto Pay.This includes loans in deferment or forbearance, if you are in school or in grace, and loans that are already enrolled in Auto Pay by someone else, such as a cosigner or endorser. '' I can not feasibly see how this would do any justice for students trying to make even interest payments on their loans- which the website does not even list on the 'make a payment ' page.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX