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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 3. Identity Theft XXXX/XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. Identity Theft XXXX Date opened XXXX XXXX, XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

In XX/XX/XXXX I was solicited the opportunity to request disaster forbearance on my 2 mortgages with Chase, Loan # 's XXXX, XXXX, due to hurricane XXXX in XXXX. At that time I clearly asked what the program consisted of, and how it worked. I was told that due to the disaster, and this program that if I could NOT pay the monthly payment amount would NOT have to be paid for 6 months, and that any payment amount NOT paid would be deferred to the back end of the total loan payment amount to be paid in the form of a balloon payment. It was also stated that NO interest would be charged to that amount at time of payment, nor would ANY late payments be reported to ANY credit reporting agencies.XX/XX/XXXX, I am sent a very confusing misleading letter ( attached ) soliciting me stating : The disaster relief we provided ends on XX/XX/XXXX They are checking in to see if I'm ready to resume making my regular payments, again.They 'll move the past due payments of principal, if any, and interest to the end of the loan term, and change my payment date. the deferred amount will be due in one payment at the end of my loan term via a balloon payment.To take advantage of the offer by XX/XX/XXXX I would need to my regular monthly payment by XX/XX/XXXX, ( which I did NOT do ), and accept this offer by calling them ( which I did NOT do ). Now they are telling me that my payment is due for XX/XX/XXXX, and XX/XX/XXXX which it is NOT, in accordance which what the disaster forbearance program consists of, and what has been misleading, and misrepresented by Chase.
Product: Student loan

I have asked MOHELA for specific information about a failure to discharge my qualifying student loan several times and have never received answers my specific concerns regarding the substantial delay in discharging my qualifying application. 

I would like answers to XXXX ( XXXX ) specific questions : XXXX. I had XXXX of XXXX qualifying payments at the time I submitted my XXXX application and employment certification in XXXX of XXXX with FedLoan - over 15 months ago. I want to know what MOHELA is doing to research the error that appears to have occurred when my application was transferred from XXXX to MOHELA and how they have communicated with XXXX XXXX this failure to review and discharge my loan. 

XXXX. As my loan should have been XXXX prior to the end of the COVID forbearance, I would like to apply for a refund of any interest that accrues while I wait for MOHELA and the XXXX to resolve this issue. My state considers student loan forgiveness to be income and the additional balance will be an added financial burden that I should not have to pay. Please provide this information. If an interest refund is not available, I would like a detailed justification of why I should be paying interest on a loan that more than qualified for discharge at the time I submitted my application in XXXX of XXXX. 

XXXX. The period of administrative forbearance approved for my loan is only through XX/XX/XXXX. I would like reassurance that administrative forbearance will be automatically extended if this issue has not been resolved by XX/XX/XXXX. Given the time my XXXX application has already been in review, this seems like a more than reasonable request. 

I would like a response to each of these specific questions. I will not accept an answer from MOHELA that only repeats their assertion that XXXX is responsible for the final review. MOHELA is the official servicer for XXXX applications and is responsible for addressing any errors or delays in processing applications. 

I have attached MOHELA 's Third Party Authorization Form to allow them to communicate with CFPB about my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries I did not authorize XXXX XXXX  on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XXXX XXXX on XXXX and also on XXXX Collection acct to XXXX XXXXXXXX XXXX on XXXX Is not mine XXXX XXXX on XXXX. Not mine. 
I have contacted these creditors and was informed to contact credit bureau which I have done and disputed these. XXXX informed me to make a report w CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency XXXX refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), 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. '' I have submitted written instructions to XXXX on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including XXXX, Equifax, and XXXX as well as all the issuers of the fraudulent reported accounts. XXXX has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how XXXX is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can XXXX explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore, the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and XXXX is doing the complete opposite. I have attached a 3-credit bureau report which clearly shows that experian, equifax, and transunion are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these unauthorized accounts are not immediately blocked and removed, if authorized accounts are not updated with accurate payment history, incorrect personal information should be deleted immediately, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to XXXX but have yet to receive a response. Please find all proof attached below.
Product: Mortgage

I had been out of work since XX/XX/2020 because of the Covid-19 crisis. 
Since XX/XX/2020 I have spoken with the PNC Mortgage Company that I have my mortgage through about a possible deferment until I could get low earnings/unemployment. I spoke to XXXX and she said the company would waive XXXX, XXXX and XX/XX/2020 payments. I then received a letter stating there was an agreement to the effect that my payments would begin again in XX/XX/2020. However, I was informed that ( from other associates ) that I would have to pay up to {$2400.00} in XXXX. 
At the time I was uncertain if I would be back to work or that my low earnings/unemployment would be coming in to cover this payment. 
I have since paid, upon agreement that if I could I would cover my regular payment. 
I did make XXXX 's payment on XX/XX/XXXX over the phone. I then mailed out XXXX 's payment on XX/XX/XXXX. 
I have received several statements since that do not reflect these payments. I get statements I the mail every other day. I have called and no one seems to know what I am talking about. 
I have copies of my mortgage statements and bank statements and the agreement from PNC Mortgage.
Product: Credit reporting or other personal consumer reports

These are the accounts that I have marked at inaccurate. 
XXXX XXXX XXXX {$170.00} XXXX XXXX - {$270.00} XXXX XXXX XXXX- {$500.00} XXXX XXXX- {$510.00} XXXX XXXX XXXX- {$570.00} XXXX XXXX  XXXX {$640.00} XXXX XXXX XXXX {$750.00} XXXX XXXX- {$1100.00} XXXX- {$1100.00} XXXX XXXX- {$1200.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$22000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX XXXX : {$480.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$0.00} - tied
Product: Checking or savings account

I deposited a check for over $ XXXX into my Wells Fargo business checking account. I usually receive funds the following business day. I was notified that I had too many overdraft on my account ( verified that I have had XXXX in the last 12 months ). They are now refusing to give me access to my funds for 15 days!!! This is criminal and completely unacceptable to steal over $ XXXX because I was overdrawn by {$100.00} ( {$35.00} of that was a fee ) XXXX time in the last 12 months. 

When I asked a branch manager they said they have been giving me access to my funds the following business day " as a courtesy '' for the last 75+ deposits and that something must have happened to auto trigger this response that they could not identify. 

They said it is very difficult to undo this one the " algorithm '' has triggered the account and that even in a best case scenario it will take over a week to resolve. This is pathetic and evil to steal $ XXXX from me for over two weeks.
Product: Credit card

I had 8 accounts with Synchrony accounts- Amazon, Pandora, American Eagle, Crate & Barrell, JC Penney, TJ Maxx, Verizon and Care Credit. I have paid every account on time for years, used the accounts, and even paid over minimum constantly. Synchrony closed all accounts and when I asked why they said I was a high credit risk. They also said I could reapply, which I did for a few, only because I used them constantly. I was automatically approved, which is funny since I am a high credit risk. By them closing my accounts, they have tanked my credit score, and if makes it seem as if I dont pay bills or look bad to other creditors. Something needs to be done about credit bureaus, they affect lives.
Product: Credit reporting or other personal consumer reports

As I was reviewing my credit report, I noticed an unauthorized inquiry and inaccurate account that are reporting to my name. I am terrified that someone out there has my information and has been using it. This has been making my life XXXX. My credit has taken a toll due to the reporting of the inaccurate information. I am stressing out that my information is being used without my consent, please help! I want to get this issue fixed as soon as possible. I can not literally do anything with my credit looking like how it is. Please help!
Product: Debt collection

There debt on my reports that are not mine. I have no knowledge of these transitions and I need these negative items removed ASAP
Product: Bank account or service

While attempting to withdraw XXXX from a US Bank atm in XXXX Oregon with an XXXX atm card, I was sent to a screen asking me if I wanted the currency converted from my XXXX bank account to XXXX before withdrawal or whether I just wanted to proceed with the transaction. The conversion rate offered on the screen was significantly lower ( XXXX4 % ) than the market rate XXXX would receive by simply proceeding with the transaction. Meaning that the bank would make a significant profit over an above the fees already charged from unsuspecting customers who elect to exchange the currency on this screen rather than just proceeding with the transaction. The only legitimate reason it would ever be in the customers interest to take this conversion offer is if the foreign institution charged a currency conversion fee that exceeded the difference in rates. Since foreign transactions fees at many banks are flat fees or waived on many types of cards, this offer in most cases amounts to tricking unsuspecting people into paying an unnecessary fee.
Product: Checking or savings account

bank of America closed my account on XX/XX/XXXX I was unable to withdraw my funds that I had deposited the same day, I was then told its because the account was closed ... while awaiting my tax refund from my tax prep I discovered that bank of America had accepted the check and had not returned it I asked why after being told that it was closed why is my money still able to be deposited they stated " ( this is XX/XX/XXXX ), my account isn't closed its in the process of being closed '' so asked how long it will take? they told me its set to be closed XX/XX/XXXX almost a month later I asked well can I just close it now myself they said no the bank can only do that and I was told I can put in a request to withdraw funds it was declined XXXX  days later when I asked why they said it was missing information I was then told a new request was being made and that ill have to wait I also couldn't close my account because of a fraud claim I had made for XXXX dollars on XX/XX/XXXX against a restaurant which I then closed the credit was returned I did this in hopes to speed up the closing process and I have not been to speak to any one responsible for closing my account my rent is now late and I am now facing an eviction
Product: Credit card

Dear Citizens Bank, I was deeply concerned to discover a late payment reported on my credit report for XX/XX/2022, indicating a 30-day delinquency.

As a responsible customer, I have always taken pride in managing my financial obligations and ensuring timely payments. I believe I made my payment upon receiving my statement, and I am unsure how this late payment occurred. Its possible that my statement was delayed or misplaced, particularly as this happened during a challenging time when I was hospitalized due to XXXX. 

Given our strong and positive relationship, I kindly request that you remove this XXXX0-day late payment from my credit report. Additionally, I would appreciate the refund of any late fees that may have been charged. 

Furthermore, I believe there may have been a billing error under the provisions of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666b, 1681i, and 1692g. These potential inaccuracies have resulted in incorrect reporting, and I respectfully ask for the immediate deletion of this late payment from my credit report. 

I have valued my experience with Citizens Bank and would prefer to resolve this matter amicably and efficiently. Your prompt assistance in correcting this issue would allow me to continue enjoying the excellent service Ive come to expect from your bank. 

Thank you for your attention to this matter. I appreciate your help and look forward to your favorable response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Contacted Expeeian regarding an XXXX account thats reporting on mt redkt report. The account does nir belong to me yet each time I contact theey respond furnisher verified. This account does not belong to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY, PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Money transfer, virtual currency, or money service

XXXX account was linked to my US Bank account and was overdrawn .. also my credit card was used while for an unauthorized transaction. Identity was stolen. Photo ID, birth certificate, and social security card from my break in at my house. And documents where stolen from my vehicle that was towed after being arrested. Also XXXX account was linked to bank account where unauthorized transactions where made. Numerous XXXX phones .where stolen and account was hacked with invalid software. XXXX phone XXXX account had been hacked and stolen. XXXX account been hacked
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # 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: Bank account or service

I received a Citi checking account offer via email ( In XXXX 2016 XXXX where I would be getting XXXX Thankyou points if I open Citi Gold Account and complete certain requirements. Then I opened the Citigold account in XXXX 2016 and completed the required XXXX XXXX payments XXXX XXXX and XXXX 2016 ). I completed the XXXX and final bill pay required for the bonus offer exactly on XXXX XXXX 2016 and I sent a secure message later that month to get it confirmed if I have met the requirements. I received a confirmation on XXXX/XXXX/2016 that I have met the requirements and I am eligible to receive the XXXX TY points by XXXX/XXXX/2016. It has been over a month now and still I do n't see the bonus points posted. Multiple calls and chats, but no real response. Over the phone with a representative I was asking for an exact date when I would be getting my bonus points and they do n't have a clear answer. They say a date and when I ask " Will I get my points posted by that date ''. The reply was " If not give us a call after the date has passed and we will raise an investigation ''. And above all that they were so rude on answering my questions. Because of waiting for the bonus even after meeting requirements I was charged {$60.00} in service charges ( {$30.00} on XXXX and {$30.00} on XXXX ).
Product: Debt collection

I work for a XXXX. I received an message from a XXXX with the same name, but not my office, that they had received a call for me and sent me the voicemail. I promptly called back, and verified my information with the company. They proceeded to tell me that this was a debt collection call. I have informed them multiple times to not contact me at work. They have my address, my cell phone, my spouses cell phone, and my home phone number on file.
Product: Debt collection

Wakefield and Associates has multiple times during phone calls, threatened myself with jail time. They were recently sued for exaggerating the amounts owed in office and charging more than then the actual debt. 

Most of the time when I speak with them they are very hostile and unwilling to listen. I was told I was nothing at a point and that is why they sued me for medical debts. 

They are all around unprofessional and have only recently been acting professional toward myself since the lawsuit.