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

Failure to take action on the Identity Theft Block request. 


NOTIFICATION OF IDENTITY THEFT & REQUEST TO BLOCK INFORMATION RESULTING FROM IDENTITY THEFT Dear Credit Bureau, This is to inform you that I am a victim of identity theft and pursuant to FCRA Section 605B, 615 ( f ) and 623 ( a ) ( 6 ), an  identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or address from appearing on a victims credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent company from continuing to collect debts that results from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C. & 1681c-2 ) Block of information Resulting from Identity Theft, except as otherwise provided in the file of a consumer that the consumer identifies as information 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 identity of the consumer ; Legible copies of Drivers License, Social Security Card, and Utility Bill are provided 2. A copy of an Identity theft report ; Copy of the police Identity Theft incident Report is provided. 
3. The identification of such information by the consumer ; and A list of accounts opened by identity theft FTC identity Theft Affidavit and complaints are provided. 
4. A statement by the consumer that the information is not information relating to any transaction by the consumer. An identity Theft Victims Statement is provided. 

I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, address, inquires, and other information that you reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f )  and 623 ( a ) ( 6 ) and mail me a new credit report to my address of record below. 

Thank you
Product: Debt collection

XXXX XXXX XXXX took me to court for a debt that did not belong to me. On XX/XX/2019, a XXXX XXXX dismissed the case. However, XXXX XXXX XXXX is still reporting the debt to the credit bureaus saying that I owe it and it is still in collection. I disputed the entry and XXXX refuses to remove it saying that the account is still open and that I owe the debt.
Product: Money transfer, virtual currency, or money service

In XX/XX/year>2021, the was a security breach and my personal data was accessed without my consent. My information was compromised.
Product: Debt collection

Ford refuses to take me off of the autodialer list. Basically the autodialer doesnt have a time stamp so it automatically calls during work hours. So they are saying they cant adhere to not calling during work hours. They are saying theyd have to fully take me off the calling list. I have a rewrite in progress for the loan but their collections department still uses the autodialer and cant take me off.the CSR actually said to just ignore the 2-5 phone calls a day, which is frustrating.
Product: Checking or savings account

The bank has been charging me monthly fees that it does not disclose to me. They have charged me {$260.00} in fees. They never disclosed to me there were fees involved in maintaining the checking account.
Product: Credit card

I had XXXX late payment back in XXXX to Target. Since then, every month when I make my on time payment they hold that payment for 2 weeks before it is applied to my account. I have called and spoken to the Manager to no avail. She says that is their policy when you have a late payment. I do not agree with this because the payment has already been deducted from my checking account. They will not take my word for it unless we have a conference call to my bank to verify this which is a long process. This is XXXX and I made my payment and was told the same thing again. Someone needs to change their policy regarding this. Maybe you can do something. I only had that XXXX late payment and only late by one day.
Product: Checking or savings account

I have an account with upgrade which is a financial technology company. I believe on the XXXX of XXXX they suspended my account it won't let me access the money I have in my account it won't tell me why it's been suspended all they tell me is wait for an email we can't tell you nothing I've called messaged them everything still won't tell me nothing. I'm a XXXX veteran on a fixed income and I need the money I have in there they keep giving me the runaround won't tell me nothing won't send me no information or nothing.
Product: Mortgage

PHH, my mortgage company, added a {$500.00} charge for a " Special Assessment '' in XXXX. 

I never approved this charge or appraisal. 

I also was charged {$30.00} for a payoff fee. 

I never approved this charge, either.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and noticed that there were some damages on my credit report, I have already been in breaches and I thought you were going to protect my information from there. This is defamation of my character because it is affecting my livelihood. As per 15 U.S.C. Sec. 1681i ( a ), when a consumer disputes the accuracy of information on their credit report, the credit reporting agencies are required to investigate and correct or delete any inaccurate, incomplete, or unverifiable information. The bureaus must also block information that is found to be the result of identity theft or other forms of fraud. Given the failure of the credit bureaus to adhere to these legal obligations, I request that the Consumer Financial Protection Bureau take immediate action to ensure the following : The prompt investigation and removal or blocking of the inaccurate information from my credit report. 
The enforcement of the credit bureaus ' legal obligations under 15 U.S.C. Sec. 1681i ( a ) to ensure that they promptly address and resolve disputes in a timely and lawful manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kia financing company continued, throughout our car loan, to put missed payments on our credit, which were not late. Additionally, the car in XXXX was totalled and they still continued to put late payments on our credit.. We were then unable to reach the company by phone or in person. Over 3 months later the issue was resolved, though they would not remove the late payments from our credit. The car was paid in full to Kia and the check cashed on XX/XX/2020. I just received another late payment notice on my credit for the month of XXXX from Kia finance. Every time we have tried to call we get a recording saying that due to Covid they are not taking phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. I am filing this complaint about misleading false reporting information.
Product: Debt collection

On XXXX someone fraudulently started online gambling accounts at XXXX XXXX and made 2 withdrawals for a total of XXXX from my bank account. I immediately noticed it and contacted the casino and my bank. I also filled a complaint with the Pennsylvania XXXX XXXX XXXX  who has reached out to the casino who verified the account was fraud and I am not liable for the debit anymore. I was told by the PA XXXX XXXX XXXX to contact the debt collection company and they will verify with the casino I am not liable for the debit and it will be removed. A police report was also filed on XX/XX/XXXX with the XXXX XXXX Police department for Identity theft.
Product: Bank account or service

I went into the bank, closed my checking account and told the teller, branch manager and a service rep that I intended to stop the autodebit i had to pay our 2nd and 3rd mortgage. I asked for a new auto debit form and since i didnt have a check on me we couldnt set up the new debit. I told him that in reality you just need signed auth for a recurring ach debit because a prenote would verify the info before actual payment is mafe. The branch manager told me he still couldnt do it. I called later agter i got a check the XXXX branch and the XXXX branch for a form without resolve. I then stopped back into thr XXXX branch where they couldnt set up the ach and then the teller told me the autodebit caused the account to teopen and then charge my account XXXX fees plus one of the payments posted. The teller couldnt help me. I emailed the banks helpline and they didnt help me. I stopped into the XXXX branch 3days ago snd still have not gotten resolve. I got s call from the nranch manager to which i missed and hVe called her back 5 times and email ed her once. Her voicemail says not to leave a m ssage. Aside from breaking nacha rules this is extremely deceptive. I just want it corrected so i can pay my mortgages.
Product: Checking or savings account

I have received targeted promotion to open a checking and savings accounts with Citizens Bank NA ( attached ) and get {$300.00} bonus on both if I follow the rules which I did. See account transactions for reference. Since never got the bonus, I have contacted the bank and case was opened to investigate the issue ( see attached ). The reply was that I didn't qualify for bonus since I was withdrawing my direct deposits from my checking and checking account closes after 10 days if {$0.00} value. I get my salary every two weeks and if checking account is closing after 10 days of zero balance it makes it unreasonable. 
Regardless of checking account promotion, I also never got my {$300.00} for savings account where I have tied up {$15000.00} for more than 3 months with virtually zero interest instead of getting market 4.3 % APR in other banks. There is no dispute that I followed all the terms of the offer for savings bonus, see all the transactions attached. 
This dishonest behavior engineered to make people deposit and hold substantial amounts of money with 0 % interests rates while not providing them promised payout. I hope you can address this unethical and probably illegal way of conducting business.
Product: Student loan

I had a student loan with Wells Fargo until they recently switched to XXXX XXXX. They inaccurately reported that I was past due over {$10000.00} resulting in my credit score dropping 50 points over night. They were sending past due notices to the incorrect address as well as had my name incorrect. I randomly picked up the phone XXXX day from a XXXX number and found out I was past due on my account even though I was in forbearance due to Covid-19. I immediately made a payment so they wouldnt send me to collections. I then made a second payment, bringing my last due amount to around {$300.00}. I called and asked if I could wait to make a payment since they no longer owned my loan. I didnt feel right paying them when I would be paying a new company 2 days later. That night, I received a notification that they said I was past due {$10000.00}. Its completely inaccurate and they refuse to change it, even though they dont even own my loan anymore. They tacked on several late fees all without my knowledge. They said they attempted to contact me but I received nothing. I asked for address and name updates, all of which they said they did and I still received nothing to indicate I was past due. It has ruined me financially and they refuse to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account 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 correct : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : Balance : {$18000.00}
Product: Checking or savings account

I only want my online access un-restricted so that I may apply for a credit card. I do not want a savings account. I repeat : I do not want a savings account. I do not want a savings account. I want my online access available so that I may apply for the My GM Rewards Mastercard. I want my online access available so that I may apply for the My GM Rewards Mastercard to complement my new vehicle purchase. The savings department is blocking my online access. I do not want a savings account. I only want my online access restored.
Product: Credit reporting or other personal consumer reports

I filled XXXX  XXXX XXXX, this creditor has not made any adjustments to my credit report to reflect that account as being included. I have disputed with no help. I have reached out to the company via email and they say they will get back with me but never do. I am stuck with this card reporting a balance on my credit report. My trustee gave me the go ahead to start rebuilding my credit but I can due to this card reporting as open and over the credit limit. This card should be reporting a {$0.00} balance and included in bankruptcy/closed. I have a decent bit of credit cards and every single one of them have done this but this one has not. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed the letter to EQUIFAX for their violation pursuant to FCRA 604 - 15 USC 1681b. Permissible purposes of consumer reports. I, XXXX XXXX XXXX XXXX being the original creditor and consumer never gave EQUIFAX any written consent, and no authorization to report anything on my consumer report. No consent is Identity Theft. 

Please see attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt has been reported to credit bureau XXXX as a collection for the amount of XXXX XXXX. However this amount has been paid in full today XX/XX/28 ( XXXX XXXX dollars ). I need for XXXX to remove this from my credit report since its impacting me badly. Also, I need to make XXXX and Equifax aware because I believe this will be reported as well at some point.
Product: Student loan

I have student loans with Sallie Mae. I am still in school and while I it has taken far longer than I ever hoped, I have never left school. I have taken a couple term breaks of a month or two, but have never stopped attending. Sallie Mae will not stop calling even when I upload documents, speak with customer service agents, refer them to the clearing house. They just keep calling and emailing demanding payment. When I speak with a customer service person they inform me the calls are automated and will not stop until I bring my account current. 

Why are they allowed to dog people none stop and will not accept emails, only uploaded forms or phone calls that they keep saying I my school info is not available to them? 

Surely there has to be some for of protection from this type of harassment. The stress is sending me crazy. do n't they think if I could have finished school and repaying my loans I would have? I need to help to get these dogs off my back so I can focus instead of the constant hounding for payment.
Product: Checking or savings account

In XXXX I was assaulted by my husband at the time. While I was seeking treatment and shelter at a womens haven he stole my debit card. He made thousands of dollars worth of purchases. I contacted Chase and disputed the charges. Over a month later they denied the claims and reversed the charges. Stating that they were valid. They showed no sympathy for the fact that I was abused and blaimed me for my husband having access to my info. Ive since gotten divorce because of this incident I was able to get an immediate divorce. I have documentation that it was because of domestic violence. Now the account is overdraft and there is a possibility that my account will be closed.
Product: Mortgage

XXXX XXXX XXXX We are filling a complaint about PNC Mortgage. 
We have been trying to get our PMI cancelled for about 2 years. 
I believe that PNC is in violation of the The Homeowners Protection Act of XX/XX/XXXX. 
The value of our house has reached the XXXX % threshold for automatic termination a long time ago. 
PNC refuses to do so. We have never received a schedule for our PMI to be cancelled. 
I have written numerous letters to them, most with no response at all. 
However the final straw was last month ( XXXX XXXX ) when we had our house appraised. Our appraisal was done by a certified Washington State appraiser ( I have attached the summary ). Our house was appraised at {$210000.00}. We owe {$120000.00}. PNC will not accept this appraisal and again refuses to cancel our PMI. I believe this is a violation of the The Homeowners Protection Act of XX/XX/XXXX. 

We request that our PMI insurance be cancelled according to the The Homeowners Protection Act of XX/XX/XXXX. 
If you can help in any way it would be greatly appreciated. 
Please let us know how we can proceed to have our PMI cancelled. 
Thank you
Product: Credit reporting or other personal consumer reports

I contacted the company to receive information for the company different mortgage products. During the call I began to receive notice of a hard pull, the agent then apologized that she meant to do a soft pull. She then stated not to worry because it would not affect my credit because another company recently pulled it. I later saw that it did impact my credit in a negative way and called her to remove it, she stated no because it was a accident and her company had paid for the pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I was a customer with XXXX and decided to switch to a new provider. I was only paying for service, not on the phone. I never received any notice from XXXX that I owed them money, which was {$100.00}. 

I also never received any correspondence from Amsher Collections Services to inform me that they now owned my debt. The account has been open since XX/XX/year>, and we are in XXXX, without a letter of verification sent or any outward correspondence to me. 

I have not reached out for any information, as I do not think it is fair for me to have to pay a debt that I was never informed about. I have not yet sent my certified letter to the company but I plan on it next week asking them to remove this debt off of my credit report due to the lack of acknowledgment.
Product: Checking or savings account

On XX/XX/XXXX and XXXX, scammers posing as Wells Fargo 's fraud department contacted me. They told me my account was locked and tricked me into transferring money from my bank account to help " secure '' it. They then tricked me into installing software into my computer and used that to get information on my second bank, XXXX XXXX XXXX, there they told me they could help me secure that as well and I transferred money from there as well. I was alerted by my son that I was being scammed but it was too late. They were able to recover money from one transfer from XXXX XXXXXXXX XXXX, but the other one is still in progress and Wells Fargo denied my fraud claim. I also have the banking information from the scammer 's bank accounts if that could be of any use to track them down.
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, Account name : XXXX XXXX # XXXX, Account name : 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 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