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

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have had a Capital One credit card for over 25 years, I have carried a XXXX balance for the past couple of years until I used it one time in XX/XX/2022. I paid the entire balance of XXXX off in XXXX. Apparently at the end of XXXX, I was charged a {$29.00} membership fee that I was not aware of. On XX/XX/2022, i was charged a late fee of XXXX on the XXXX membership. On XX/XX/XXXX, I was charged XXXX interest on the membership fee. I called to have these fees reversed for charging me a late fee on a fee, but they could not guaranty the fees would be removed to a XXXX balance. The card remains opened, I agreed to pay the membership fee, but not the fees or interest on a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchase the vehicle from XXXX XXXX under XXXX XXXX XXXX XXXX and paid off XX/XX/2017, received release of lien. At the end of paying off the loan they will not report the loan was paid  in full {$26000.00}. I want it reported to XXXX, equifax and XXXX that it is paid in full. XXXX XXXX financial manager said he would do it. He is no longer with the company, XXXX the stepson of owner threatened if I persisted he would report I was late on payments. I am a single female and I will not allow anyone to obtain any favors for a favor. I do not want to go in there. I paid the loan off and it should be reflected. I suffered with XXXX XXXX and I need my credit report to show paid. I have to repair my home and need a loan. Threatening consumer to make a bad report after paying off the loan should be illegal.
Product: Student loan

I submitted a SAVE application through StudentAid.gov on XX/XX/XXXX as part of the new beta roll-out. StudentAid.Gov confirmed the completed application and sent this to Nelnet, my loan servicer. No response from Nelnet whatsoever.

I re-applied via StudentAid.gov on XX/XX/XXXX again. No response from Nelnet. I applied on Nelnet directly on XX/XX/XXXX. No response. 

I called Nelnet customer service multiple days throughout late XXXX, averaging XXXX hours on hold. I finally had to re-apply via phone on XX/XX/XXXX. I received notice shortly after that I was approved to be on the SAVE IDR plan, but at a cost that was significantly higher than what I should owe based on my income. In my XXXX taxes, I was earning slightly over XXXX XXXX. I was laid off XX/XX/XXXX. Since my new role in XX/XX/XXXX, I now earn XXXX XXXX  and supplied all documentation to support this with paystubs. No response from Nelnet. I called again on XX/XX/XXXX and my information was submitted to correct the problem and I was placed into forbearance and interest is now accruing while my application is stuck. 

Since then, my application has been stuck in limbo and it says I will owe over XXXX XXXXXXXX in XXXX, when according to the StudentAid.gov calculations and the rubric provided by the SAVE act, I should owe closer to XXXX XXXXXXXX.
Product: Credit card or prepaid card

I applied for a Capital One card, and got approved but they never sent the card to my house. Apparently they sent the card to someone because they claim I owe $XXXX . How I could owe $XXXX when I never received the card in the mail.
Product: Vehicle loan or lease

Purchased my 3rd Carvana vehicle back in mid XXXX. Was told payoff of trade-in, also purchased through Carvana, would be paid off within 10 days. After two weeks and no payment received at the bank, called back into Carvana and was told that payment was already made and to give more time. Called back in after a few more days and was told that the original payment was never made and that there had been a glitch. Was told that payment was being mailed out that same day and would be providing tracking info. Received tracking info later that day that turned out to be bogus. No check had been mailed. I remained in contact with the bank who has to-date still not received payment after 6+ weeks. I have made payments on both cars now and have another payment due on a car that has been in Carvana 's possession for 6 weeks now. In speaking with Carvana rep again, relayed that pay-off bank was requesting payment be made by over-night check complete with relayable tracking number. Was told by Carvana rep that they would do that today and have the tracking number emailed to me and posted to Carvana account by XXXX today. As we were wrapping up call, the system updated and the rep explained an issue that the agreement was posted incorrectly and that they were not sending a check, but going to attempt a transfer ( after failing at least 2 times over 6 weeks ) again. I reminded rep about need for tracking info and the agreed upon overnight check. Rep agreed and reached back out to funding about our agreed upon terms and was simply told that they were no longer overnighting the check. Rep 's hands were tied and could not override their funding department. Tried multiple times to communicate the agreed upon arrangements with them and was rejected. I have 0 confidence in Carvana 's ability to do what they say at this point and would like consumer protection to investigate their practices.
Product: Checking or savings account

I opened an HSA account with XXXX XXXXXXXX XXXX in XXXX. In XXXX, XXXX XXXXXXXX XXXX sold its XXXX accounts or business to Optum Bank. As part of this transfer, Optum Bank provided the existing XXXX XXXX Bank HSA accountholders with its assurance that the transfer of accounts will be seamless, which included an assurance that the current XXXX XXXXXXXX XXXX fee structure would continue to be applicable to our accounts. This fee structure provided a fee waiver in the event your HSA account ( cash and investments ) exceeded {$5000.00}. I have attached a pdf of the Frequently Asked Questions flyer prepared by Optum Bank evidencing this representation. 

Optum Bank honored its commitment until XX/XX/XXXX. My HSA account had a balance greater than {$10000.00}. In this month, Optum Bank charged my account a {$2.00} monthly maintenance fee and a {$3.00} investment fee. I contacted Optum Bank to contest the fees assessed with a reference to the prior representations made my Optum Bank. My request was denied. 

In order to prevent the continued erosion of my HSA account through this aggressive fee schedule, I closed my account ( allowing Optum Bank to charge me a {$20.00} transfer fee ) and transferred my account to XXXX. 

I have been diligent about monitoring my HSA account for fees that included at least one prior instance that a fee was assessed and subsequently reversed. I believe Optum Bank should be held accountable to honor its representations to the former XXXX XXXX HSA accountholders and they should be required to investigate and make public its findings as to any fees erroneously assessed on the former XXXX XXXX HSA accountholders and to make to pay any appropriate refunds and penalties that are deemed warranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has hard inquiries, a bankruptcy, late payments, and many accounts that are not mine. I have contacted XXXX, XXXX, Transunion, and connected companies several different times. The credit reporting agencies can not even show proof of validation on any of the listed information. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. None of it is correct and needs to me removed. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Home was damaged from hurricane Ida mortgage company approved me for forbearance for XXXX XXXX and XX/XX/2021. Mortgage company reported me as late to the credit bureaus and said the wrong code was sent should have been disaster code. Have been reporting this process since XXXX itll get fix and then itll go right back. I have emails and a statement from this mortgage company about fixing this issue and nothing is getting done. My husband and I were supposed to get a lower interest rate but the mortgage company messed up my credit score and we were set for closing. So this is a huge deal because they messed up our credit score
Product: Credit reporting or other personal consumer reports

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX | XX/XX/2022 PERSONAL IDENTIFICATION DISPUTE
Product: Bank account or service

Recently, Citibank sold their banking accounts to XXXX XXXX XXXX. We received numerous correspondence, stating the transition would go smoothly and without issues. That is not the case. We have yet to receive our XXXX XXXX XXXX checks and debit cards. Citi was supposed to keep our debit cards active until we received and activated the new XXXX XXXX XXXX cards, yet they just shut them off on or around XXXX XXXX. We are now faced with bills to pay, shopping to do, gas for our cars and we have no access to OUR MONEY. XXXX XXXX XXXX says they 're helpless and blames Citi. Citi is unresponsive and in my opinion uncaring. Now - we have had direct deposit for XXXX my wife 's and my paychecks into our checking accounts and they were to be deposited today. Guess what - no deposits have been made. We are now in a situation where I 'm concerned about being able to pay our mortgage and other bills due around the XXXX of the month. Our credit worthiness is at stake. We have maintained credit scores in the low XXXX for years and now we are faced with at best having to go to our credit union to withdraw cash and then take that cash to a Citi location which does n't exist anymore in Texas. This is an abomination and we will seek damages in an amount consistent with their inept handling of this matter. No one has any info about this and no one will own up to their respective XXXX-ups. This is our money and the banks have essentially taken away our ability to use XXXX MONEY. What are we to do???
Product: Credit reporting or other personal consumer reports

Please REMOVE and DELETE ALL OF THE FOLLOWING LATE PAYMENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

PHOENIX FINANCIAL SERV Original creditor : XXXX XXXX XXXXXXXX {$190.00} Collection opened XX/XX/2021 I explained to the company that I have been a victim of identity theft and it has been an on going issue with someone using my identity to apply for loans, credit cards, etc., the company was rude, I provided the company with proof of identity theft and every time I call to get the matter resolved and request debt validation, the representatives hang up in my face.
Product: Debt collection

I was a joint owner on a checking account with my daughter at PNC bank. XX/XX/2020 she was scammed by a company causing an overdraft on her account of over XXXX. She filed necessary paperwork to have the scam investigate since it was her account and I had no part in the checks being received or deposited. On XX/XX/XXXX, at noon, my daughter and I had an appointment with Ms XXXX XXXX, PNC bank representative of XXXX XXXX branch to have my name removed from the account, since the account was opened when she was a minor. I had called another branch office on XXXX XXXX, to see what policy was to have name removed from the account and the person that answered the phone told me it would be no problem since the account was established when she was a minor. I asked for copies off the signed paperwork we signed and asked how long would it take to remove my name from the account. Ms XXXX XXXX told me that I did not need a copy and that I would receive something in the mail 3- 5 business days from the bank stating that my name was removed from the account. My daughter told her at that time that she would totally be responsible for the account. I also signed the log book when I entered the branch. Ms XXXX also asked me why was I taking my name off he account and I told her, did she need to ask. On XX/XX/2020 I was contacted from the recovery department of PNC regarding this matter of {$6000.00} deficit on the account, and I told the person that the account was no longer in my name and to contact me after she did her research. I went into another branch that day and was told all of my accounts were closed. I further proceeded to call PNC customer service and was told that I had to call on Monday -Friday between hours of XXXX to find out why my accounts were closed and that a letter and cashier check was sent out on XX/XX/2020 of which I have not received any correspondence since my daughter moved out in XX/XX/2020. Today, my daughter text me to tell me that the paperwork that we signed does not exist and that the bank has no record of the paperwork filed at PNC bank XXXX XXXX branch in MD on XX/XX/2020.
Product: Debt collection

CREDIT CORP SOLUTIONS ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX Balance Owed : {$3000.00} Open : XX/XX/XXXX CREDIT CORP SOLUTIONS ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Balanced Owed : {$17000.00} Open : XX/XX/XXXX These accounts are on my credit report as collection accounts, this is a result of identity theft. 

I have filed identity theft reports with FTC and I have sent certified letters to CREDIT CORP SOLUTIONS dated XX/XX/XXXX ( when it first appeared on my credit report ). 
Receipt confirmation XX/XX/XXXX at XXXX. 

The company has not responded to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the creditors letter for which they have approved to have the delinquencies removed from my credit report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 Balance : {$2000.00} US DEPT ED XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX
Product: Student loan

ACS folded and formed into a new company XXXX. I have no way to contact said company because all correspondence by phone or email require an account number that I don't have. I have tried calling several times and received no help. How am I supposed to pay a loan when according to the website I have no account with them or my Social Security does not register with them?
Product: Credit card

This account was resolved through a settlement agreement on XX/XX/2023, and the agreed payment was made in full to satisfy the balance. 
However, the charge-off continues to appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed on 3 different occasions with this company to validate the erroneous accounts in question. I have certified mailed them a envelope with enclosed proof of my identity, proof of address, along with the erroneous accounts around XX/XX/20 they received it on XX/XX/20 2nd time was on XX/XX/20 they received it XX/XX/20. 3rd time proof was sent out on XX/XX/20 they are expected to receive it by XX/XX/20. All except for the last one have not received a response via the mail at all i am still waiting. Ive also sent information online via the CFPB portal to this company twice which the response was that this request was not sent on my behalf.Its been beyond 45 days since initial contact with the company and my follow up responses with them. I believe that this company does not abide by the laws of the Fair Credit report Act so i have no choice but to seek litigation. Thank you
Product: Credit reporting or other personal consumer reports

Experian is allowing a creditor of open sky to illegally report late payments during the pandemic. I have sent a dispute for 3 months straight an they do not remove it or follow The law of the cares act The Heroes Act ( Section 110401 ) helps consumers in several ways Suspends negative consumer credit reporting during the XXXX pandemic plus an additional 120 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IN XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I purchased my condo in XXXX, GA in XX/XX/2017, mortgage processed by XXXX XXXX XXXX but sold immediately to Guild Mortgage Co who is also serving the loan and handling the escrow account. 

My monthly escrow payment amount has been approx {$210.00} to {$220.00} for the last 24 months. I just received a notification that my escrow will now be {$760.00}!!! 

My taxes went up by {$2400.00} in one year, so I have a negative escrow balance of {$1700.00} which I offered to pay in full but have been advised by Guild that I can not do so. Also, they NOW are requiring I deposit an additional {$2000.00} into the account. This feels like extortion! 

My payments were {$1200.00} and now will be {$1700.00}. I can NOT afford this and as a result could lose my home!! AND If I do qualify to refinance my loan to a new mortgage company I will end up paying in excess of {$3000.00} in processing fees!! 

FURTHER, my home was appraised at $ XXXX and I put down enough to get the loan balance under 80 % of the appraised value, but because I purchased my home at $ XXXX Guild refused to waive PMI at the cost to me of over {$46.00} per month. 

This seem criminal to me and I can NOT be alone with this problem. XXXX PLEASE INVESTIGATE. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. 
I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted XXXX XXXX XXXX XXXX XXXXXXXX. Please help me delete these illegal items from my credit report immediately. Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please delete these accounts from XXXX and XXXX as well.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section two. It also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC s 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Lastly, in accordance with US Code 1681c-2 a consumer reporting agency shall block reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged idenity theft, no later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are a violation. Under US Code 1681b - permissible purpose of consumer report have been violated I did not give written consent to report. No consent is also violation and identity theft. As a consumer I demand the deletion of the listed accounts below immediately : Portfolio Recovery Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX