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

Equifax- over 90 days without verification or evidence Equifax and XXXXXXXX XXXX XXXX  Per the Federal Credit Reporting Act. Section 609 ( a ) ( 1 ) ( a ). you are required by Federal law to Verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As Such, this unauthorized public record information needs to be deleted. I have already filed a complaint with the Federal Trade commission and will follow with a Consumer Financial Protection Bureau Claim you failed to respond within 30 days verifiable proof and evidence thats satisfies Federal Trade Commission debt validation guidelines Since you have failed to provide me with ALL the following points of information all collection attempts must stop and all information that pertains to Accounts, Name, DOB, SSN must be deleted /IMMEDIATELY REMOVED : 1. Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you.

2. The agreement bearing my signature stating that I have agreed to assume the debt from Original creditor XXXX XXXX XXXX  3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations in ( Iowa ) has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent or Agent of Service.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees.

I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees
Product: Credit reporting or other personal consumer reports

This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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

Notice to principal is notice to agent, NOTICE TO AGENT IS NOTICE TO PRINCIPAL : I was a of victim of Identity Theft. I contacted and I contacted XXXX, TRANS UNION AND XXXX several times and submitted my Identity theft report XXXX to XXXX by fax and upload. XXXX keeps violating the credit reporting act by continuing to report fraud account son my reports. 

XXXX, TRANS UNION AND XXXX says per their policy ( not the law ) they can continue to report the fraud accounts and violate me and the fair credit reporting act with no concern because XXXX sold the fraud account to a unknown party.
Product: Credit card

Please contact the FBI, FCC, FTC, and Civil Rights Commission. 

I have been having a number of issues with financial institutions. 

I also forwarded an email chain to CFPB emails because I was unable to attach it to this complaint. The email was well within the size limits.
Product: Checking or savings account

Basic lee I had navy federal credit union freeze up all of my accounts and restricted every thing and said it was a permanent security restriction due to some one hacking into them on line a XXXX XXXX XXXX and the credit unions security department has been really nasty and every thing else and they are being rally rude and nastey to me and refuse to help me and told me to submit a security appeal form then I am getting the run around from the credit unions Security department. I had tried calling them multiple times with no luck. Basic lee I fell because I am a victrum of identity theft the credit union is taking every thing out on me and they should not be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to freeze my credit with all three agencies after the Equifax hack. I live in Nebraska so the price to do it should be {$3.00}. At XXXX and XXXX that 's what I was charged. Equifax was charging {$10.00} to freeze credit. It seems like Equifax should be offering this for free instead of overcharging people for this.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX 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 reporting, credit repair services, or other personal consumer reports

I received numerous alerts that an inquiry was added to my credit reports. 
XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$1000.00} XXXX FIN XXXX Balance : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

This installment loan is provided by Affirm , Inc to purchase products to online retailers, in this case XXXX in installments. In this case, the loan was for a treadmill purchased from XXXX and the loan is financed through Affirm. As such, the treadmill needed to be returned ( as it was the wrong product ) and XXXX claims that the return was lost in transit. I informed both XXXX and Affirm that I am not responsible for a third-party company losing the return and am actively disputing the loan with Affirm and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to a previous complaint that needs follow up. 
Previous Complaint : Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Santander reported to XXXX  that I am 30-days late on a {$0.00} balance. This has cause my credit score to plummet over 60 points. In addition, the other credit reporting agencies have been notified that the account is CLOSED, not PAID AS AGREED, which has also impacted my credit score negatively. I have NOT been notified about how I can obtain my title, nor when it will be released. 

I did call Customer Service directly, as usual, they were absolutely no help!
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am a non TD bank customer who went into a branch to cash 3 checks. 1 official certified TD bank check and 2 paychecks from an employer that uses TD bank. I had 2 forms b of ID ( more forms of ID were available if needed ) ( TD bank printed on all 3 checks ). I was denied by the teller who was rude, but the manager was even more rude. Initially I was told there were issues with the check account and when pointing out there are 2 accounts ( one from my employer and one from a official Certified check they stated both accounts to have issues, I can not tell you why. I was told go to a check cashing place. Called customer service without any resolution. Im a non traditional bank holder and have every right to clash these checks as TD bank issued them. Im embarrassed and hurt at the way I was treated. I need assistance, not sure if league action is the next route?
Product: Credit reporting or other personal consumer reports

Dear Trans Union : I had attempted to contact your agency by phone in regard to my XXXX XXXX XXXX XXXX services account number ending in XXXX. I contacted XXXX XXXX XXXX XXXX  in reference to the balance reported on my XXXX Credit report which was incorrect. XXXX sent the credit bureau dispute to Trans Union. My account now reads " Account in dispute '' and a remark has been added to the account. This was done in error by XXXX the dispute was for XXXX and not Trans Union. Please remove the account in dispute remark on my account because it caused my Vantage score to reduce by XXXX points as a result of the miscommunication. 

Also, the address reported as XXXX XXXX is mispelled. The correct spelling is XXXX XXXX. Please delete the mispelled address. 

Thank You for your prompt attention.
Product: Credit reporting or other personal consumer reports

ive just received my credit report and notcied unauthorized items that shouldnt be reporting to my credit profile. And in accordance to the FAIR CREDIT REPORTING ACT, XXXX account XXXX XXXX XXXX XXXX, and a Fraudulent address XXXX XXXX XXXX XXXX, TX XXXX has violated my rights 15 USC 1681 602 A stsates I have the right to privacy 15 USC 1681 604 A section @ states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns i can be reached at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update immediately this is not a dispute. Information has been reported incorrectly. Change my status. I received a letter from XXXX  for all 14 student loan accounts. This has stressful and ruining my life.
Product: Credit card or prepaid card

I added {$100.00} to my credit karma spend account on the XXXX of XXXX. It was withdrawn from my checking bank account on the XXXX of XXXX. It was available to withdrawal from credit Karma on the XXXX of XXXX. I have yet been able to access the money at all. I have spoke to them several times and they keep telling me the account is under review and can't transfer me to the department that is doing the actual review and can't give me anymore I formation. Other than telling me someone will email me. I have not received one email from the review department.
Product: Money transfer, virtual currency, or money service

My account was frozen on XXXX XXXX. 
I was told that I need to submit my Photo ID and bank statement, in which I submitted. A few days later I received an email stating my account was frozen and I couldnt transfer my funds. 
My complaint is why ask for my personal information and then allow my account to still be frozen. 
I just want to transfer my funds to my account and then they can close or freeze the account. 
Now Im worried my information might get stolen and become a victim of identity theft because I my information wasnt used to unfreeze my account but to permanently freeze my money. 
I still have almost {$600.00} in my account that I desperately need.
Product: Debt collection

On XX/XX/12 I applied and was rejected due to FCO reporting FALSE information. I contact the supposed creditor and they could NOT validate my information. I emailed FCO over 20 times and have yet to receive a response. I called them with the original creditor on the phone and they also spoke without me on the phone, but yet nothing has been done! These frauds are causing me emotional and financial trauma due to their fraud!

They are also REFUSING to provide me with the information they have.. instead insisting that I send them information.. These fraudsters just want my real info so that they can adjust in their system! how can you have a different social than the original creditor??  THAT'S BLATANT FRAUD
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the companys customer service representative XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Purchased for XXXX $ with XXXX $ down in XXXX they put me in adjustable rate mortgage and escrow payments are now 3 times as much at XXXX $ per month from XXXX starting payment was XXXX $ now payment in XXXX is XXXX $ with principal and interest XXXX per month Also paid for XXXX I PURCHASED TGE HOME XXXX I never qualified for XXXX XXXX A D WASNTED TOLD I WOULD BE HAVING AN ADJUSTABLE RATE MORTGAGE THATS FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is violating my consumer right reporting fake late payments on my credit report
Product: Checking or savings account

On Monday XX/XX/2022, my XXXX personal and XXXX business accounts with Citizens Bank were abruptly closed and I was unable to access my funds. 
I made this discovery because I was unable to access my personal accounts with Citizens, whether through a Browser or their App. I called and was put on hold for over an hour, after which I hung up. The next day, XX/XX/2022, I went into the local branch. Initially, I was assisted by a Teller, who determined the problem needed to be escalated because she was unable to access my account information. At that time, I decided to check my business account via the App. I determined that all of my business funds, {$220000.00} had been withdrawn the day before. Needless to say, I began to panic. 
Thereafter, I spoke with the manager, XXXX XXXX XXXX. My initial thought in speaking with her was that I was a victim of fraud. She made some internal calls while I sat with her. She conveyed to me that Citizens had terminated my business accounts an sent the funds via mail to the addresses on file. I was told they had sent a letter, via snail mail, to tell me that my business accounts were being terminated. I never received a call, a text message or an email concerning my $ 200K+ account. 
I was told my personal accounts, which collectively contained almost $ 60K, were put on hold for the purpose of ensuring all transactions would be completed. I thought that to mean that my mortgage, due on XX/XX/2022 would be paid. That was not the case. They put holds on my account on XX/XX/2022, not allowing any other transactions to take place. I had to scramble to make sure all of the autopays I had setup with my account were properly addressed and transferred to a new account. As for the personal accounts, I received NO CORRESPONDENCE whatsoever! 
I went into the bank today, XX/XX/2022 to speak with someone directly. I asked that she make some calls to determine why my personal funds were being held. I was told my funds would be released via check on XX/XX/2022, by which time my mortgage and other payments would be delinquent. The manager with whom I spoke made an internal complaint on my behalf. The complaint number is : # XXXX. Prior to writing this letter I called the Citizens complaint department. It was answered in about XXXX mins. I was then put on hold for over an hour, listening to music. The call was terminated by Citizens without anyone ever coming to the line.
Product: Debt collection

On XX/XX/year> I have call dispatch Of XXXX ND police complaint about Identity Theft to the three Credit bureau accounts that not belong to me. I have send serve disputed letters to the three credits bureau they alway telling the account is belong to me. All the account that I see on my credit report is about close to XXXX.
Product: Mortgage

We applied for the assistance from XXXX XXXX XXXXXXXX in XXXX. We are were approve and the agency sent a request XXXX XXXX XXXXXXXX program has request documentation via a portal -- -monies owed on account from my mortgage company in XX/XX/XXXX, XXXX, XX/XX/XXXX but my mortgage has not responded nor sent the information via portal or email. The first request file v record was XXXX XXXX  And we are in jeopardy of the funding from XXXXXXXX XXXX XXXX because of if!!! We really need your Help!
Product: Student loan

I am currently on the XXXX plan with loan servicer Mohela, on track for XXXX. I submitted an application to switch from XXXX to XXXX using Studentaid.gov and Mohela has acknowledged that my application is in process. Per XXXX XXXX XXXX guidance, I am to be placed in a 60 day processing forbearance that qualifies for XXXX credit. I was told by Mohela reps that since I am already on the XXXX forbearance related to the court injunction, they can not put me in this processing forbearance. That is in direct violation of the rules set by XXXX. See the rules below. I am requesting to be put in processing forbearance immediately. Rules : In the coming weeks, XXXX expects servicers to begin processing certain XXXX applications that were paused following court orders affecting the terms and availability of XXXX plans. Specifically, XXXX will begin processing borrowers applications to enroll in XXXX, XXXX and PAYE ( received before XX/XX/2024 ), and XXXX ( received from parent borrowers at any time ). Servicers will also process applications for recalculations for XXXX, XXXX, and XXXX. Servicers will have applications in the queue that will take some time to work through. XXXX for all other applications, including applications for XXXX ( formerly known as XXXX ) and applications where borrowers selected lowest monthly payment, will remain paused. Borrowers should check back here for updates. If servicers need time to process a borrowers XXXX application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for PSLF and XXXX forgiveness. If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward XXXX or XXXX until their application is processed. Interest will not accrue in this general forbearance.
Product: Student loan

On XX/XX/XXXX, I opened a consolidation student loan through XXXX XXXX XXXX. The consolidation loan made a disbursement to a traditional student loan also held by XXXX XXXX XXXX on XX/XX/XXXX. Said disbursement resulted in an overpayment and, as such, the traditional student loan has remained open. 

After discovering the overpayment, on XX/XX/XXXX I called the consolidation loan servicer, XXXX XXXX XXXX, XXXX ( XXXX ), and requested that the overpayment be applied to the new, consolidation student loan. I was told by the customer service representative that this would take 3-4 business days to complete and that, thereafter, the traditional loan would be closed. 

On XX/XX/XXXX, I checked my account via XXXX 's website and noticed that rather than the overpayment being applied to the consolidation student loan, the original payoff from XX/XX/XXXX had been reversed, leaving the traditional student loan with a balance. My consolidation loan in turn had a larger balance, confirming that the payment had indeed been reversed. 

Since then, I have called three times per week, and each customer service representative has told me that they have emailed your e-check department and have not had the courtesy of any reply. This is unacceptable. As of XX/XX/XXXX, I have received a bill with a due date of XX/XX/XXXX for the traditional student loan. It has a balance and it has accrued interest and the account is now open and accruing daily interest.