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

i was a victim of the XXXX data breach and i check my credit report and found lots of innacurate accuounts and information, i sent of to experian paperwork showing and proving that i was a victim and i will attacth all documents at the bottom. i am filling this complaint to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX bussiness days of you receiving this complaint. i have attached a copy of FTC identity theft criminal complaint # XXXX as proof from US federal trade commission that all of the aforementioned consumer credit accounts that where compromised as a result of identy theft, this is something that holding me and my family back and not able to refinance my home because no one will extend credit to me because of all of these wrongful and innacuracies in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I called XXXX to get some hard inquiries removed because I did not authorize them. They told me they dont remove inquiries. How is it fair for them to sell my information to companies to pull my credit report and review without my knowledge and when it is brought to my attention and I try to dispute it they refuse to remove it?
Product: Credit reporting

In accordance with FCRA & 650B paragraph ( a ), Transunion is required to block reporting, within four days of notification, accounts that the I the CONSUMER have identified as identity theft related. I have identified the following accounts to be identity theft related : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX I have identified these accounts to be identity theft related and have requested that Transunion delete these accounts from my good credit record in accordance with FCRA & 605B paragraph ( a ) which specifically stats the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
I have satisfied the requirements of notification and provided a police report, identity theft affidavit, proof of identity, identification of fraudulent accounts, and statement of identity theft. I demand that Transunion remove the accounts from my credit file as ordered by law FCRA & 605B paragraph ( a ).
Product: Checking or savings account

I was written a check that got declined. I did not use any of the funds associated with said check. Capital One froze my checking account including the money I had left in the account. I have tried many times to resolve this issue. So much of my time. 

I have been asked why I was written the check I was asked how I knew the person who wrote the check. They insisted on calling that person. How is any of this legal? 

They still have not released my funds and I have to speak to a new person every time I call. This seems very predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureau to validate this account. 
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. I hope this disputed account is updated. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$12000.00}
Product: Checking or savings account

My XXXX XXXX of an ex boyfriend used my debit card. I already had to get a school version of a restraining order against him while the district investigates him for XXXX  XXXX. When I was over at his place on Thursday XX/XX/2018 I stepped out of his room with my bag still in there. My guess is that he took pictures of my card. Later that month on the XX/XX/XXXX I saw around a {$90.00} transaction for something I had to XXXX. They turned out to be dieting pills, the same exact ones I saw on his mother 's dresser. It was a messy breakup and obviously still continuing. Chase said they can take my money back any time before XX/XX/XXXX while my account was frozen for weeks. I am trying to press charges here because it is beyond their scope and hope he gets properly reprimanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke with several representatives and they used inconsistent information to challenge the facts I presented to them. Although it was a frustrating effort to get some clarity about the accounts. The representative hung up on me without providing accurate details as the information reported to my credit report and I am very disgusted with how everything turned out. The point is that this matter needs to be resolved quickly due to all the presenting facts I have that show that they are re-aging the accounts and they are in co hoots with the credit reporting agencies and they are stalling for these accounts to be removed. Attached is the recorded phone call. As well as my XXXX credit report to justify my rational call and dispute. It is now XXXX and the data reported contradicts itself. In fact while in contact with them, they mention the name XXXX XXXX XXXX, after several mentions of the account being in collections, this leads to believe that US Dept of Education has sold the account to another party, and they are invoking the name of the government status to collect on this disputed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which coused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has continued to violate my consumer rights. I have disputed the credit transaction conducted by XXXX XXXX XXXX XXXX without my knowledge or consent on my credit report a number of times as this credit transaction should NOT be on my credit report. The CFPB has continuously and repeatedly closed my complaints with no resolution. Pursuant to 15 US Code 1681i ( e ) ( 3 ) ( A ) it is the responsibility of the Bureau to ensure the consumer reporting agencies meet all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint. The CFPB has failed to meet the prescribed responsibilities installed by Congress, as the credit transaction involving XXXX XXXX XXXX XXXX is and has been in dispute and should not be reporting any information to my credit file. The CFPB is not at all displaying any sense of integrity. The CFPB is prescribed to ensure accuracy and it is imperative that the CFPB comply and complete the required investigation. The XXXX XXXX XXXX XXXX accounts ( XXXX and XXXX ) should be deleted and blocked.
Product: Credit card

Dated : XX/XX/XXXX  BARCLAYS BANKDELAWARE XXXX XXXX XXXX XXXX XXXX, DE XXXX REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE BARCLAYS BANK DELAWARE , ACCOUNT NO. XXXX. 

Dear sir, I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account XXXX. XXXX titled as BARCLAYS BANKDELAWARE. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that BARCLAYS BANK DELAWARE has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete in order to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.
Product: Student loan

I have a private loan from XXXX school in XXXX that I placed in deferment when I returned to XXXX in XXXX after several years of working and repayment on the loan. I received notice that my deferment would be ending on XXXX/XXXX/XXXX, five months prior to my graduation date. I called the servicer to extend the deferment through my graduation. 

AES advised they were unwilling to extend my deferment despite verifying my enrollment as a full-time student. AES advised that my grace period would cover me through graduation though. I explained that it was not helpful because I want my grace period to end six months after graduation not one month after graduation, because of taking the XXXX and finding employment. 

AES then advised it was n't a big deal and I could just do a forbearance after the grace period for the additional months. I explained this was not an acceptable resolution because I do n't want my loan to go into forbearance when it should be in deferment and grace period. There are negative ramifications to a forbearance and I feel they were misleading when I should be eligible for deferment. Clearly an attempt to unfairly deceive in-school students out of their grace periods.
Product: Credit reporting or other personal consumer reports

I received Information that there was potential fraud on my credit report I noticed that there are several accounts I did not authorize I reached out to To these companies requesting that they provide physical documentation showing my original wet signature authorizing each one of these transactions none of these companies have been able to provide me with this information I reported this to the credit bureaus Trans Union XXXX and XXXX however it is still being put on my credit history even though it has been reported to the federal agency FTC including two local law-enforcement agencies this is a violation of my rights under the FCRA I also fully intend on pursuing this matter through litigation as I am a litiglous consumer and this has been harmful to my character, my job, as my credit history does play a part in my employment my abilities to carry out certain task such as open a bank account get a loan start a mortgage etc. I fully intend to Hold Trans Union, XXXX and XXXX responsible for the harm that this false information has caused me. as it is their responsibility to confirm, the information is accurate before applying the information to my credit history _ ] According to the clerk of courts they informed me that they DO NOT disclose information to any third party companies due to the Privacy Act, 5 U.S Code 552 A ( B ). The information listed below by your company is completely false information and is violating my rights under the Fair Credit Reporting Act and Privacy Act.
Product: Money transfer, virtual currency, or money service

I paid a XXXX XXXX a merchant using remitly service $ XXXX XXXX  in XXXX for XXXX XXXX goods. The goods were never received. I am at a loss for $ XXXX dollars. I would the funds to be returned to me, in the form of a refund. 

I attached the invoice. I had even left the rep a tip. Never received and i placed this order in the middle of XXXX XXXX is XX/XX/XXXX. 

I have been scammed by a vendor that regularly uses Remitly to collect payments from consumers. I would like a refund please. Please do the right thing, as there is a business using your services to do the wrong thing. 

Thank you kindly
Product: Credit reporting, credit repair services, or other personal consumer reports

Several reports from the police department and notarized letters from the XX/XX/XXXXCourt House have been submitted to all 3 credit bureaus to remove Fraudulent accounts that were opened. 

I have proven that based upon section 609 that it requires the companies to provide a contract bearing my signature and no such documents have been produced. I have sent in over 8 requests for deletion of these fraudulent accounts from my credit file. 

XX/XX/XXXXhas successfully removed the negative items listed.

I am awaiting the HARD inquires to be removed as a result of the fraudulent activity. 

Additionally, the credit bureaus have failed to provide accurate information within 30 business days starting from XX/XX/2020. According to the FDCPA and HIPAA collection laws the requested deletion must be honored and adhered to by law. Failure to do so has caused me financial harm and is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an accident reported that I was at fault. It was a hit and run. I avoided hitting another by hitting the curb instead no way to avoid. 

I was applying for a job and they did a background check and denied me the position because of that.
Product: Debt collection

I received multiple texts and phone calls from Sunrise Credit Services , Inc regarding a debt collection of {$1500.00} to XXXX XXXX XXXX XXXX. I have never signed up for or used AT & T in my life. They had the wrong house address for me, and I did not want to give them any more information over the phone because of identity theft concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX / XXXX XXXX # XXXX owned by XXXX XXXX XXXX ( XXXX ) remains on my credit report despite numerous requests to have it removed over the past year. This account was originally sold to XXXX for collection by XXXX XXXX / XXXX XXXX This account was settled with XXXX after paying them directly six payments totaling {$3400.00}. XXXX has issued directly to the XXXX  credit agency multiple letters in both XX/XX/XXXX and XX/XX/XXXX requesting that the account be removed from my report. This is in addition to the multiple copies I have provided. XXXX has refused to comply with XXXXs request. I have now filed an action with both the CFPB and the Massachusetts States Attorney General office requesting assistance in this matter. I have provided a copy of one of these letters.
Product: Credit reporting or other personal consumer reports

Yamaha Motor Finance, XXXX XXXX and XXXX XXXX all show as chargeoff which means they have all been turned into certificates of indebtness and can no longer be reported on my credit profile. Reporting is also a violation of the Privacy Act of 1974. It is also illegal to report my transaction history.
Product: Checking or savings account

Once again we are harassed by the TD Bank and XXXX XXXX XXXX duo in that when we login in to XXXX there is no mention of the below NEW {$300.00} charge back, and even lists a NEW {$5000.00} charge back that we can not respond to. Please urgently advise, and TELL THEM TO get it together. In other news, THEIR FIXER CONTACT " XXXX XXXX '' never answers his phone when we call him back and leave a message. Please TELL THEM TO attend to this matter and fix, or we will have to file yet another series of complaints against TD BANK and XXXXl XXXX of XXXX XXXX Unit with the OCC, CFPB, XXXX, FTC and XXXX. PLEASE TELL THEM TO be guided accordingly, and take a personal interest in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to XXXX, PROG MGT SYS, and XXXX XXXXXXXX   several times pointing out that their reporting of this alleged debt on my credit report is inaccurate. XXXX continues to report this inaccurate and unverifiable information. See attached excerpts from my most recent credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have tried to have trans union remove fraudulent inquiries which they only send a notification to the companies and not removing the inaccurate inquiries. I have sent a FTC report I was told they have not received. Please have Trans union remove these fraudulent inquires. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Mortgage

I purchased a beach front condo on XXXX XXXX XXXX XXXX XXXX of XXXX. Replacement of Beach Front property in Florida is less than the value of the property. To replace the Condo building with six units is around 900k, my  interior would be XXXX to replace. However the ACV value of the property for a beach front condo is XXXX. I put over 50 % down and financed through XXXX. We closed on the property and XXXX sold the loan to Dovenmuehle Mort Inc. We had problem from the start which is another story since they are very hard to contact anyone with authority. The real issue now is the condo association carries the flood insurance on the unit which was underwritten and agreed when purchased with XXXX. Since Dovenmuehle purchased the loan they have been demanding I buy additional flood insurance to protect their interest, IE pay off coverage. At first they bought a policy for the balance of the loan from a Carrier called XXXX for XXXX but the Carrier cancelled coverage within one day. I am sure they recognized with a replacement cost policy on the building this was a moral hazard by the finance co. The company continues to harass me to buy a flood policy when I have already provided proof the condo carries the insurance of which my association dues partly pay.I just got a letter today, dated XXXX XXXX XXXX that they again purchased a policy for their interest and may pass the cost onto me. My HO 6 policy for replacement of the interior is would only be XXXX, when I spoke with them a month ago they wanted me to buy a policy for over 100k, that conversation took place by phone with a rep and manager. When I asked to speak to the department head I was advised she does not take phone calls. Insurance does n't work that way but they do n't seem to understand. I never chose to do business with this outfit, now they are reunderwriting the loan. Pretty sure I would have backed out of it Dovenmuehle Mortgage was the lender.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

MR COOPER IS ATTEMPTING TO FORECLOSE ON MY HOME WITH A FRAUDULENT ASSIGNMENT. THEY HAVE NOT RESPONDED TO A QWR I MAILED XX/XX/2019. I ALSO REQUESTED PROOF OF CLAIM. THE LOAN WAS IN A TRUST AND CONVEYED WITH AFTER HE CUTOFF DATE OF THE TRUST. 

THE U.S. TREASURY SENIOR SPECIAL AGENT XXXX XXXX XXXX CONTACTED ME REGARDING NATIONSTAR AND MY LOAN HIS PHONE NUMBER IS XXXX OR XXXX
Product: Debt collection

STELLAR RECOVERY IS REPORTING INACCURATE INFORMATION ON MY XXXX CREDIT FILE THIS IS NOT MINE
Product: Debt collection

NCB This all started out with XXXX XXXX and the class action Settlement for predatory lending with multiple States earlier last year XXXX within this settlement, it states that XXXX agreed to relieve loans and help repair the credit individuals affected by their predatory landing practices. This was a auto loan placed between XX/XX/XXXX through XX/XX/XXXX On XXXX XXXX the debt was sold to NCB Management Services. In any normal situation, this wouldn't be a problem. But because of the Predatory lending settlement, this debt should have never been sold or transferred to any collection agency, or debt buyer. This is in direct violation of the terms of the settlement which is to " help repair the credit of individuals affected by their predatory lending practices. ''
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX