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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH.

PER 15 USC 1681 C-2 STATES 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. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

i spoke to an agent from nationwide recovery systems because they bought a debt i had expunged.i requested the initial delinquent notice from the initial debtor and they tried to get payment info from me in order to send the info, im assuming they have re-aged my debt and will hit my credit score, im pissed.when i called again later on in the evening to get info about the debtor ( nationwide recovery systems ) i was talked to very rude and when they finally agreed to send me the initial delinquent letter they said when they receive it, it will be forwarded from their company.when i requested that i wanted the notice sent directly to me from the initial debtor i was denied.i also told him i wish to record the conversation he wanted to hang up.however i recorded it. 
XXXX XXXX XXXX nationwide recovery systems XXXX plz see that they get fined as i will be taking legal action as well ... .ty sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party. I, XXXX XXXX, consumer, natural person and original creditor of an open end credit plan was denied my right of credit by PNC BANK, PNC Bank , National Association. I was notified of this transgression of my rights, specifically 15 USC 1601- The TRUTH IN LENDING ACT, on XX/XX/year> by via U.S. mail. According to 15 USC 1602 definitions of the TRUTH IN LENDING, I as a natural person processing an open end credit plan was harmed by PNC BANK, PNC Bank , National Association, adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2a ) ( 3 ) are up to {$5000.00}, PNC BANK, PNC Bank XXXX XXXX is now civilly liable to pay me for the damages.
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX : XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX  XXXX  : # xxxxxxxxxxxx XXXX XXXX/XXXX : # xxxxxxxxxxxx XXXX XXXX  XXXX  XXXX  : # xxxxxxxxxxxxxxxx XXXX XXXX  XXXX XXXX  XXXX  : # XXXX XXXX XXXX  XXXX  : XXXX XXXX XXXX : # XXXX 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 crimes which antedates the report by more than seven years.

15 S.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating rto a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.
Product: Student loan

MOHELA is unable to correctly put our loans back into repayment status, despite our best efforts to enter repayment. This is impacting our ability to close on our home. MOHELA put our loans into forbearance status without my permission or knowledge, because of this our lender must use 1 % of our student loan balance instead of our monthly IDR payment. 

XXXX XX/XX/, we requested that our accounts were placed back into repayment status removing the COVID-19 administrative forbearance. This was accomplished and our loans were in repayment status since XXXX. We have been paying the monthly payment since then. 

XXXX XX/XX/, without any notice and without being requested by us, our monthly loan amount was incorrectly recalculated by MOHELA with an 88 % increase in the monthly payment ( this was an error by MOHELA ) ( spouses payment included in the 88 % increase ). 

XXXX XX/XX/2023, we resubmitted an IDR payment to fix the XX/XX/2023 payment issue. This was processed by MOHELA on or around XX/XX/2023. 

XXXX XX/XX/2023, we received communication that our loans were placed back into administrative forbearance until XX/XX/2023. This was done without notice and without being requested by us. 

XXXX XX/XX/2023, we requested that our accounts be immediately restored to repayment status removing the improperly placed administrative forbearance. 

We have spent countless hours on hold trying to resolve this issue and this will stop us from closing on our forever home. MOHELA 's handling of our accounts has been deplorable to say the least. 

Further, MOHELA is reporting incorrect information to our credit bureaus by refusing to update our payment amount from {$0.00} ( which is not correct ) to our current IDR payment amount.
Product: Checking or savings account

I was visiting a friend who was visiting from out of town and I got out my car walking to the hotel and 2/3 people walked up and punched me beat me and pulled a XXXX on me and demanded my purse which had my id in my purse with my address on it my cell phone with the passcode number on it and PIN numbers to debit card and was told if I didnt give them my PIN numbers they would kill me right now and go to my house and kill my family I have children at home so I did what they asked because who want to lose they life over miscellaneous meaningless stuff and they ran off somewhere. After they left I got up and immediately drove home to my family and then went to the hospital. I was told to file another report because they couldnt find my original report when i called for another copy of the report because i misplaced the first report as well! 


I contacted Navy Federal on XX/XX/2021 and they denied my claim the XX/XX/2021, following day, claiming they saw no error on their end when it takes more than 4 hours to complete a claim. They denied me a provisional credit because they denied it. I sent over my police report now no one can give me any information everyone is rude and that was my savings because I escaped an abusing relationship in XXXX XXXX Mo so I came to XXXX XXXX Nv to get away from him and now I got mugged and now Im without money to take care of my children of XXXX which one is XXXX my lights is currently shut off due to none payment because the money that was stolen was for bills rent and to take care of my children I reopened a secondary review and they wont provide me with a provisional credit now because they denied the first fraud claim Im in a financial bind and cant provide for my children and have an eviction notice because I cant pay rent.
Product: Debt collection

XX/XX/XXXX XXXX account defaulted - coordinated with my bank to get funds that weren't there. Harassed and planned to ruin reputation and credit. The collection agency the account was opened in XX/XX/XXXX, it defaulted two years earlier in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agency keeps allowing different collections agencies to re-post the same account. XXXX XXXX XXXX {$1000.00} collecting a debt for XXXX XXXX XXXX XXXX. Well the original creditor XXXX XXXX XXXX XXXX has already sent word to the credit reporting agencies, that the accounts with them were fraudulently put in my name. which were way lower at {$100.00}, & {$250.00}. now its being listed as {$1000.00}. 
This is causing me and my family financial hardship because I am not able to qualify for a house due to this hindrance on my credit report. 
Also Equifax has allowed 2 accounts from XXXX XXXX to remain on my credit even though I sent them and the original creditor XXXX XXXX XXXX XXXX numerous documents and fraud reports proving that I lived in the state of Texas when these 2 bills were incurred in Florida by someone who stole my identity. Which must have included my drivers license during that time because I looked for that old license and was not able to locate it, even though I found all of the others I have had. I plan to also submit a complaint to both the attorney general for the state of Texas and for Florida. It is not possible for them to say the other accounts were fraudulent that were done in my home state but the 2 that's not in my home state are legitimate. I also am seeking the advice of counsel that will notify me of all my options in reference to this issue and how it has had a negative impact on my and my family 's lives.
Product: Debt collection

XX/XX/2024 Dear XXXX XXXX XXXX Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal and nonverbal per 15 usc6802.
Product: Debt collection

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Billing Inquiries XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear Sir or Madam : I am writing to dispute an account ( s ) fraudulently opened in my name. I am a victim of identity theft In addition, did not open any account you currently are listing for me. I am not responsible for any charges made to this account. 

I was just told by your associate over the phone to submit this letter to have the account deleted from my SSN and taken off my credit file. My SSN is XXXX-XXXX-XXXX I have already filed with the credit bureaus that I have ID theft and they have place credit freeze on my credit file. Please close the account ( s )  immediately. I am requesting a letter from you all that the accounts are closed out and removed from my credit report as of today due to these are fraudulent account ( s ) open in my name, SSN and DOB. I am working with credit bureaus so I am requesting a formal letter you all have taken care of this matter. 
Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Veteran I have also sent this to Midland Credit Management, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Acct # XXXX This was Fax over to them to Fax # XXXX-XXXX-XXXX-XXXX I have also done mulitple dispute thru the XXXX. They just keep update my credit file with information that is not mine. 

I have told both of the companies I never open a Credit Card from their bank. I have requested them to delete it from my credit report. Both of them companies are giving me the run a around. Especially XXXX XXXX XXXX, they keep changes what I have to do. I officially sent them letter in the mail. They have not even responded back from it.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$4300.00} DEPTEDXXXX XXXXXXXX Balance : {$7600.00} US DEPT ED XXXX XXXX : {$5800.00} US DEPT ED XXXX XXXX : {$6900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

on or about XXXX/XXXX/2015, i requested that u s bank send me a modification package. 
owr, which I did not receive within 5 days the notification of receiving.nor a respone to my request
Product: Checking or savings account

I've had problems with the merger of SunTrust and bb & t banks... The bank is truist bank...

Truist bank has giving me such a hard time especially be an up and coming new small business...

Truist made it difficult for me to open an account stating it was verifying my address... Which is the address on my state id. the address I'm registered to live at as a felon in the state of Florida...

Then I was pre approved for a line of credit and loans which I completed application for through the mobile banking ... Then I go into the branch to get everything settled and they say I was denied and gave me no reason to why ... Then I go through and start my business anyway and during the scouting for positions in my small business I used surepay payroll a service provided by contract with truist... They made about 6 direct deposits for my payroll but then the last one they said they don't wan na provide payroll for my company and they won't tell me why...
Product: Money transfer, virtual currency, or money service

my account is restricted Because of potential risk exposure, we've permanently limited your account. You'll no longer be able to use the account for any transactions. but I have not done any thing and my money is stuck in it.
Product: Debt collection

On XX/XX/XXXX received letter at XXXX XXXX  XXXX.  XXXX  to collect a debt of $XXXX  for XXXX  Credit Card.  ( Acquired mail on XX/XX/XXXX from an unknown source, this is not my address).  On XX/XX/XXXX mailed certified letter to Midland Funding, XXXX  XXXX  XXXX  XXXX XXXX, XXXX. XXXX, XXXX  XXXX, CA requesting documentation showing that I am the responsible party or a copy of a judgment. On XX/XX/XXXX I received at my correct address (XXXX   XXXX  XXXX  XXXX, TX XXXX) a letter with a portfolio Number and account number no documentation to prove that I am the responsible party. On XX/XX/XXXX received a letter stating if they don't hear from me by XX/XX/XXXX the account will be forward an attorney.  On XX/XX/XXXX  forward another cease and desist letter to XXXX XXXX XXXX XXXX, XXXX   XXXX, CA XXXX.  I added a person to my account which made that debt; however since the card is in my name I paid XXXX  on XX/XX/XXXX $XXXX on the $XXXX debt.  Mail the payments to XXXX/XXXX  XXXX  XXXX XXXX XXXX   XXXX  XXXX, GA XXXX  and I got a letter from Midland Credit stating that I already paid them.  I never forward a payment Midland Credit Management again I paid XXXX  who forward the money Midland Credit Management.  On XX/XX/XXXX I get a statement from Midland with the amount I paid XXXX.  On XX/XX/XXXX I get a certified mail from Midland with a notice of possible attorney review.  I have the rights not to deal with a collection agencies. This is illegal.  If I am paying XXXX  the original debtor why are they sending my payments to the debt collector Midland Credit Management in XXXX  XXXX, CA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past 12 months and as recent as XX/XX/XXXX ; I have disputed a Tax Lien with TransUnion many times. After several disputes, they continue to report, even though courts do not report, or validate any type of record/ Lien . I have personally got in touch with " The Register of Deeds '' here in XXXX, Ma, and they have told me that they do n't report or validate anything with The credit bureaus. So with that I asked TransUnion many times where there getting their information from, because its not from the source. I do n't have any tax Liens nor am i in debt ; XXXX removed this mark due to it not being correct.
Product: Debt collection

My son XXXX XXXX has an outstanding student loan with Navient/XXXX XXXX. On todays date, my wife and I received a total of XXXX telephone calls from XXXX the calls began at XXXX XXXX. and continued on until XXXX XXXX The majority of the calls from this number were answered by our voice mail answering machine and caller did not leave any messages. I answered a call at XXXX XXXX. and caller identified herself as being from Navient. She wanted to speak with my wife, who was not home at that time. I asked her the reason for the call and she refused to tell me. At XXXX XXXX, my wife called Navient and they informed her that my son 's student loan was 6 days late in payment of {$96.00}. My wife advised that she would tell our son to contact Navient when he woke up. At XXXX XXXX., Navient again called and again at XXXX XXXX I spoke with the rep. and requested that they stop calling us and we would inform XXXX to contact them. We received another call at XXXX XXXX and again at XXXX XXXX. at which time, I advised the rep that I would contact an attorney if they did not cease the phone calls We co-signed for our son 's loan and he has been consistent with his payments in the past. We feel that these actions by Navient are nothing but pure harassment and they need to be stopped
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S code 1681 c-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 a alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim if identify theft! Please delete these items IMMEDIATLY!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNT resulting from alleged identity theft. 

XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$630.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit card

I opened several accounts at the XXXX, NY Chase branch on XXXX XXXX : checking, savings and XXXX credit cards. I already had a credit card with them. I completed all the documentation with the banker and provided all the original ID required ( SS, driver license, passport ). He scanned everything and I went home. He called me the next day and said he forgot to ask me to write my name on some form. I went back to the branch, completed a brand new form and left. A month later, I received a letter from Chase saying they coul n't verify my SS. I called them to ask what it was about since the banker had had my SS twice in his very own hands and scanned it twice. I had to complete another form and I took it ( again ) to the branch. The banker called the service responsible for this situation and asked them what he should do. They told him to send ( again ) the form with the scanned SS and other ID, which he did in front of me. After wasting a few hours on this matter, I thought the matter was settled for good. 

On XXXX XXXX, I checked my accounts on Chase website and discovered my XXXX credit cards accounts had been closed without any warning. I called customer service and they were unable to give me a reason why they would do that. On XXXX XXXX, I went to the local branch, my banker called them and those idiots said they had n't received the completed SS verification form that was sent them THREE TIMES. So I completed the same form all over again, the same banker scanned the same SS card and send it to the same idiots. My banker apologized profusely and told me everything would be back to normal within two days ( that is what he was told over the phone ). The next day, I discovered my banking and savings accounts had also been frozen without any reason nor warning. 

I finally received on Friday XXXX letters, XXXX dated XXXX XXXX and the other without any date, stating my accounts had been frozen and/or closed because they could n't verify my SSN. Fed up with wasting my time going to the branch, I called my banker so he would take care of the situation. He went back to me and said my checking and savings accounts had been unlocked and the credit cards would be restored within 5 business days. That should have been on XXXX XXXX, over a week ago.
Product: Student loan

Immediate credit recovery submitted me to garnishment to stop my process of consolidation that was submitted. They are falsely reporting on my student loan account and not properly servicing my student loans. They need to stop this garnishment asap and honor my consolidation.
Product: Mortgage

I have not been able to get online to check the status and terms of my variable interest rate mortgage. I have spent hours trying to get on line and have called the company. They have had the wrong phone number for me and changed it. Today I tried again with my password and username that were not incorrect. The website again said these were incorrect and wanted to text or call me to what appeared to be the correct number but the call did not go through. 

I requested paper statements. My most recent states of the XXXX I paid, XXXX went to principal. Year to date {$820.00} to principal and {$5600.00} to interest. 

This seems predatory to me. I work 2 jobs and don't have time to spend hours trying to get someone to discuss this with me. My paper statement says PENDING on any additional information.