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

I am writing to dispute fraudulent accounts that were opened in my name with XXXX XXXX without my knowledge or authorization. I am an identity theft victim and did not open or approve these accounts myself. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ), I have the legal right to dispute any inaccurate, incomplete, or unverifiable information resulting from identity theft on my credit reports. I am requesting that the CFPB take the following actions : XXXX ) Investigate this matter and ensure the immediate removal of any Courtesy Finance accounts, collections, late payments, or other negative information from my credit reports with all three major credit bureaus ( XXXX, Equifax, XXXX ). 

XXXX ) Require Courtesy Finance to absolve me of any obligation for payments, fees, charges or debts related to the fraudulent accounts. 

XXXX ) Ensure correction of any inaccurate information arising from identity theft across all credit reporting agencies as mandated by the FCRA. 

The FCBA states that upon notification of potential identity theft, creditors must cease collection efforts and resolve the dispute within 30 days. The FCRA gives me the right to dispute errors on my report and requires credit bureaus to investigate any items I dispute within 30 days. 

I have enclosed copies of the identity theft report I filed with the Federal Trade Commission and my local police department. This documentation verifies that I am a true victim of identity theft. 

Please promptly investigate and take the requested actions. I am an innocent victim and should not be penalized for fraudulent accounts opened through no fault of my own. Let me know if any other information is required to resolve this matter. 

Thank you for your attention to this serious identity theft issue. I look forward to receiving an update from you within 30 days on the outcome of your investigation and actions taken.
Product: Checking or savings account

My checking account was hacked while I was at work I received an email about the incident and immediately called in to dispute the transaction. I was told they would investigate the incident, no investigation was conducted they immediately denied my claim and said it was no error, I called to speak with a supervisor by the name of XXXX and she instructed me to send in a timecard and my funds should be released back to me, I did send in that timecard which shows my hours of work and still my claim was denied. All I need is a proper investigation to be done so I can receive my funds back to me which I have worked hard for. I also had my card in my possession at the time of the incident, and the representative said she never heard of something happening like this before so their minds was already made up that I did this to myself so they wouldn't have to return my funds to me.
Product: Checking or savings account

My wife opened a Barclays Credit Card that subsequently put a restriction on our 3 Barclays Joint Savings Accounts. 

This required verification documentation. This was sent to Barclays on XX/XX/XXXX via the fax number provided and was received by Barclays. 

Despite 10 outbound calls on the days listed below to try and resolve, it has still not been resolved, and I have not been provided with any additional direction of what I need to provide or a timeline for resolution as of XX/XX/XXXX ( over a month ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This means that my funds are completely frozen and restricting my ability to pay any bills. I have no way of escalating to close my account due to a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letter asking Consumer Portfolio Service to validate and show proof that I was late on any payment when I have an account with them. They are report to the three major credit bureaus that I was late on my payment XX/XX/XXXX. The account was setup for direct payment and was taken out of my account on XX/XX/XXXX. Which was well before the payment was due. I have called and sent letters to the company to send me proof of late payment. I was told by phone rep that would get back to me and I have yet to hear from them.
Product: Payday loan, title loan, or personal loan

I have a loan with personal finance in XXXX, Indiana. I recently called to discuss the amount due on my personal loan as it did n't seem like it was correct going by my records. I expressed my concern with a lady named XXXX. After talking with her she had no idea what was going on. I then asked to speak to the branch manager and was told they did not have one. I was shocked to find out that there was not an operating manager at the business. She informed me that there training supervisor was there. I spoke to her and she said she did not have time right now to discuss with me and would call me back that same day. This was Friday XXXX XXXX. I never received a call, had to call them and told that I would receive a call back Monday. This never happened. I am due for XXXX of charges that are not explainable. The company recently got bought out by mariner finance.
Product: Mortgage

I got sick around XXXX or XXXX of XXXX. I could no longer maintain full time employment. I was behind on my payments so I contacted PennyMac Mortgage and applied for a loan modification in XXXX of XXXX. I was denied several times because they said I did not have enough income to make my current payment. I did have my XXXX income plus rental income, since I purchase the duplex. So, when PennyMac Mortgage kept denying my requests for a modification, I had no choice but to file for bankruptcy protection. Since I was behind on my payments my bankruptcy attorney was able to place those past due payments into a Chapter XXXX plan. 

Around mid XXXX or XXXX of XXXX, my tenants stopped paying their rent, they left water damage in the home which caused mold. I was forced to miss my XXXX payment. I did not know that I could not miss any payments to PennyMac. My lawyer said that PennyMac sent in a notice stating that they were going to foreclose on me unless I catch up on the past due payments plus court costs in the amount of {$7700.00}. The payment that I had missed was in XXXX if XXXX in the amount of {$1200.00}. These payments PennyMac wanted were in 6 monthly installments of {$1200.00}. I got a part-time job to make these payments, which was very hard on my body since I am still under doctor 's care. I made all of the payments as agreed, but now PennyMac is stating that I had missed those 6 payments plus other montly mortgage payments and unless I start paying extra on my current mortgage, which is now {$1900.00}, and extra {$660.00}, which I do not have, and I still do not have a tenant because I can not afford to get my unit ready to rent again. My bankruptcy attorney advised me to hire a Certified Public Accountant to go over my PennyMac account because he said he does not understand what is going on financially with my PennyMac Mortgage account either. He also stated the burden of proof is on me each time I go to court and I am always responsible for the court costs and fees, which in XXXX of XXXX was {$1200.00}. Also, they had purchase Hazard Insurance, but I purchased a different policy because it had better coverage. PennyMac was charging me twice for both polices for a few months and now they are also saying I did not have any overpayments and they are not applying any of the overpayments to my account, as I can tell. The dates above are approximate but the dates on the attachments are correct.
Product: Checking or savings account

Capital One has not processed my direct deposit from my employer. I called the first day it was late XX/XX/year>, and they said the issue was fixed and should process by this morning today XX/XX/year>. They told the media the same. It did not, and this morning they stopped answering the phones. I have been one of the thousands of customers who did not get their paychecks this week because of them and they have not answered the phone all day. It is now a three day bank holiday and I wouldnt expect they would be processing anything until Tuesday-ish. The least they could have done is cancel the transactions so we could all contact our employer payroll and get a paper check or re-process through a real bank. But they have lied publicly and then ignored us for 48 hours now and we have no idea how long it will take to get our money from them. And worst of all now their app says I have logged into too many times today and will be blocked from checking for 24 hours. What was I supposed to do when they have not been willing to communicate? Im being punished for checking my balance looking for the funds they have withheld
Product: Debt collection

Phone number calls every single day, in and outside of business hours to my work phone claiming to be from capital one. I do not have any affiliation with capital One, nor does this agency. 

A search on the internet shows that this is potentially a scam and asks for deposits, social security numbers, and other personal information.
Product: Checking or savings account

On XX/XX/year>, Capital One failed to deposit my direct deposit from my employer. I finally received an email from Capital One on XX/XX/year> citing technical issues with their processing vendor that is causing the issues on delayed direct deposit and the issue will be resolved by the next morning. It is now XX/XX/year> XXXXXX/XX/XXXX EST and I still do not have my direct deposit. This may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation is an inconvenience whereas I am living paycheck to paycheck and is now behinds on bills and taking care of my family because of this problem. This situtation also raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  have been reporting fraudulent accounts under my name XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX These are fraud, I didnt benefit, apply for, and authorize these accounts
Product: Credit reporting, credit repair services, 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. 

account name : XXXX XXXX XXXX # XXXX as closed account has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 crime 's 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: Debt collection

Loan taken out in my name in XXXX  that says I owe {$8400.00} from XXXX XXXX XXXX Ive never heard of and has been turned over to the debt collector Velocity Investments LLC has purchased. I feel all of this is identity theft
Product: Credit card

I filed a dispute XXXX charge that I made from Home Depot for a defective item. Home Depot credit card never issued me a temporary credit. I lost the case and then Appealed. Home Depot then issued me a credit and I also received the email. Then several weeks the hike depot credit card charged me for the safe again! I called many times and they know they charged me even after Home Depot gave me a refund also they know they never issued me a temporary credit. This is complete fraud and illegal. The representative that I am on the phone with admits that this is not correct
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I did a a pre-qualification with First Tech Federal Credit Union. It provided me with a response stating I was pre-qualified. After entering all my information today XX/XX/24 I received a declined email stating they were not able to approve my application. This is very deceiving to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found grave error with XXXX, XXXX and Equifax reporting to my consumer report as late, missed or charged off, because of thus I am being discriminated against to extent my credit. Account are : XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX  XXXX, XXXX XXXX  XXXX are reporting as late or missed payments. 

XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. These accounts are reporting as charged off, these accounts where never late or missed a payment I have repeatedly requested XXXX, XXXX and Equifax to validate these account and updated accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the authenticity of the referenced account, which appears to have been fraudulently opened in my name without my consent or authorization. Upon reviewing my credit report, I discovered these accounts, of which I have no knowledge or responsibility, and I suspect it to be the result of identity theft. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( XXXX ), as well as the relevant Consumer Laws and XXXX XXXX laws. In accordance with these laws, I hereby request a comprehensive and expeditious investigation into this matter to validate the legitimacy of this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and inquiries was not approved. I have complained several times for several years and nothing hasnt changed yet. Can these be removed off my credit. 

15 U.S. Code $ 1681c-2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the dele the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 the report says that I have a accident with property damage. 
That wasnt me, completely wrong person. 
It needs to be taken off of my report. 

Thanks -
Product: Mortgage

My husband and I applied to refinance our home through AmeriSave Mortgage Corporation with a VA loan in early XX/XX/XXXX. Initially, we had difficulty getting any responses at all after we had received the mortgage options. We have been consistently asked for the same documents repeatedly. We have endured one excuse after another for delays, none of which were valid reasons. We are now in XX/XX/XXXX and still no final approval or closing date scheduled. After being told XXXX, they needed one more item ( which had previously been provided several times ) and a tentative closing date was being requested for XX/XX/XXXX-XXXX. We have now received a notification that XXXX W2s are now required to move forward. These documents have not even been created yet, as there has not even been 1 business day in XXXX. AmeriSave has XXXX W2s and pay stubs for each pay period since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Transunion regarding inaccurate information on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). However, Transunion failed to properly investigate my dispute within the required timeframe and did not provide me with an adequate response. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, IL XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX This lack of investigation violates my rights under the FCRA 611 ( 15 U.S. Code 1681i ) . I am requesting the CFPB to intervene and ensure transunion conducts a proper investigation as required by law. 

Please investigate this matter and ensure transunion complies with federal regulations. Thank you.
Product: Student loan

At least twice in the last three weeks my husband has recieved a call from sallie mae. I recieved a student loan in XXXX with my name being the only name on the loan. I have never lived in a community state. They were trying to recieve payments and told him to verify my birthdate to recieve all of my private confidential financial information. I have never sign or voiced permission for them to speak withanyone on my financial information. I understand myself getting calls to pay the loan that I am not able to pay currently but they have no right to contact my husband nor give him my finacial information, as well as bother him at work. That is illegal.
Product: Student loan

I have had a loan from XXXX for nearly XXXX years, they sold my loan to navient. now a few months after that my normal monthly payment went from {$190.00} ish to over {$500.00} and I called them to get my payment back down to where I can afford it I get told I can afford it, and then asked if they can help me with anything else. so basically they are extorting money out of me. I can afford the payment I had before but not this high payment. and now with all these marks on my credit that are n't mine I cant even get a load from a bank to consolidate it. if somethings not done ill default on it. I need help! 

and the worst part is I 've been paying this loan for nearly 10 years and I only went to school for XXXX months. and I got nothing out of it. this is so depressing,
Product: Student loan

( XXXX ) XX/XX/XXXX 2024 should be my 120th qualifying payment for PSLF. My account was placed in administrative forbearance due to the SAVE repayment plan being challenged in courts. Prior administrative forbearances have counted towards PSLF. I have called Student Aid and XXXX multiple times to ask if my {$0.00} payment in XX/XX/XXXX 2024 ( due to administrative forbearance ) will count towards PSLF ; I have been told " yes '' and " no '' and with no timeline on when a final decision will be reached. If XX/XX/XXXX 2024 counts as a qualifying payment for PSLF, my application for PSLF should be considered. If XX/XX/XXXX2024 does not count as a qualifying payment for PSLF, I need to know when I can next make a qualifying payment as my account remains in administrative forbearance. This is critical for me personally as I can not leave my current employer prior to having 120 qualifying payments for PSLF.

( 2 ) I submitted an employment verification form to Student Aid.gov using the PSLF help tool ; it was completed and finalized by my employer on XX/XX/XXXX24. A Student Aid.gov representative told me it would take 2-4 weeks to process. It is nearly 4 weeks and the form is not processed. I called today to requested an updated timeline and was informed they can not provide an estimate for processing time due to high numbers of applications. I need this Employment Certification Form to be processed as it will require a response as to whether XX/XX/XXXX2024 is a qualifying payment.
Product: Credit reporting or other personal consumer reports

I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. I'm anxious to get this fixed as soon as possible because I don't want any more damage to be done.
Product: Credit card or prepaid card

this company approved me for a XXXX limit. then 3 weeks after card was mailed out to me. the company closed my account for no logical reason. also i accumulated reward points XXXXpts. in which the company will no longer let me used becuase of the closed account. i also called this bank to confirm purchases that i would be making in which they approved me to make the purchases. however once trying to purchase at store card was declined. i called this bank many times to get an understanding for these reasons.
Product: Credit reporting or other personal consumer reports

I am following up on my recent update regarding my status as a victim of fraudulent activity once again. Allow me to reiterate that, in accordance with FCRA Section 605b, Credit Reporting Agencies are required to remove any items listed on an identity theft report. Mine is referenced under # XXXX. Attached, please find the necessary documents to facilitate the removal of erroneous information and fraudulent inquiries from my reports. Below is a list of items that were opened without my authorization : EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. As outlined in FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged fraudulent activity within four business days of receipt.