23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

PLEASE HELP, IVE BEEN STARVING, HOMELESS, FOR MONTHS. IVE LOST ENDLESS REVENUE FOR BUSINESS, LOST. LOVERS, FRIENDS Citibank froze my account randomly at a date unknown around XX/XX/year>. Just because i was making a lot of transactions. I was falsely accused of money laundering, that seemed to have passed. Two mysterious letters with codes have been sent with a code i need to read to verify my identity HOW IS SHOWING UP IN PERSON TWICE WITH MULTIPLE FORMS OF ID ANSWERING ALL SECURITY QUESTIONS WITH MY DEBIT CARD NOT MORE VALID? THIS IS ABSURD. RUINING MY LIFE.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX  Account Number : XXXX Highest Balance : {$7100.00} Account Name : XXXX  Account Number : XXXX Highest Balance : {$1300.00} Account Name : XXXX Account Number : XXXX Balance : {$390000.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$8200.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

NOTICED A FRAUD ACCOUNT LISTED ON MY CREDIT REPORT DUE TO EQUIFAX DATA BREACH,, THIS ACCOUNT NEEDS TO BE REMOVED ASAP,
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have student loans through American Education Services ( AES ). During COVID while all other student loan servicers were providing forbearances, AES stated that they were a private student loan company and did not have to provide a forbearance. I was out of work majority of the time due to COVID related health issues. I was finally able to get the forbearance approved and they stated that they would go backwards and correct my credit report. That never happened. I filed a dispute through the credit bureau 's, again asking that the 60 and 90 day past due reporting be removed. I received a response back that they would update my credit, but that never happened. I have filed several disputes, with XXXX resolution. 

I am also confused as to how they can say that my loans were private when you search AES, it comes up " American Education Services ( AES ) is a federal loan servicer that processes FFEL loans. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to comply on XXXX  and XXXX request. I NEVER received a response or any proof to verify under FCRA 623 ( a ) ( 8 ) on these accounts : 1. ) NATLCRSYS ( Original Creditor : 09 XXXX XXXX XXXX  ) XXXX Date Opened XX/XX/2015 and 2. ) NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2015 2015
Product: Mortgage

Specialized loan servicing bought my 2nd mortgage in XXXX of XXXX. XX/XX/XXXX I made my first payment to them after setting up online account and everything was fine. On XX/XX/XXXX I went online to see what my payment amount was and noticed that there were outstanding fees and charges in the amount of XXXX. 
I called on that date to report the error and was given a ticket number ofXXXX, and told it would take until XX/XX/XXXX to investigate. I called again on XX/XX/XXXX and was told that they were still looking into the matter and they were expediting the issue. I asked repeatedly to speak with a supervisor as I am scheduled to close on this property in a matter of a few days. That same day I received from them 2 phone calls not from a supervisor. No one has any information. I offered to send my last payment statement from the previous service to show there were no outstanding fees or charges. I am at a loss as to how to handle this. When I call I get nowhere and I am going to have to pay these fees because I am closing in a matter of days. Any help you can give me is greatly appreciated. Thank you
Product: Debt collection

I recently found that there are several inaccurate items on my credit report that dont belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report within the next 30 days, I will be forced to contact a consumers rights attorney with the CFPB, sue, as well as write a report with the XXXX. I have documented all correspondence with your company. Please remove these inaccurate items immediately, as you know they are in violation of the Fair Credit Reporting Act.
Product: Student loan

In XXXX XXXX XXXX, the company, ( EdFinancial ), changed addresses for delivery of payments to service the accounts. We had an automatic payment set up with my XXXX XXXX Savings Account to go to the old address. 3 payments, ( 2 of {$300.00} and 1 of {$24000.00} ). The total amount of the checks sent were {$600.00} more than the posted principle payoff amount totaled. and were sent and received well before the forebearance period had ended. When they switched over to their new system and mailing address it took an incredibly long time to find 2 of the 3 checks ( 1 for {$300.00} and 1 for {$24000.00} ) and to date still have not found the 3rd for {$300.00}. When they received the {$24000.00} check they misapplied it and the {$300.00} check to the outstanding loans. 

There are 7 loans in total. A combination of Direct Subsidized and Unsubsidized Loans. The balance on 4 of them has been taken to {$0.00}. One has a negative amount listed for {$7700.00} indicating an overpayment. The remaining 2 have active balances of {$5400.00} and {$2000.00} Respectively and are showing that they are actively accruing interest. The overage amount is approximately {$300.00} more than the active amount. They are not applying funds correctly, are charging interest on loans that should be paid off and are holding funds that should be returned to me.

Contacting them is a nightmare, Repeated calls and 3-4 hour wait times are the norm. When they take notes and promise to get back to you, it never happens. If you try and take advantage of their phone system callback feature it never works.
Product: Credit card

My payments on this account have always been timely, avoiding any overdue status. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on Account [ XXXX ] Dear CFPB, I am filing a formal complaint against your bureau for failing to correct inaccurate information regarding late payments reported on my credit report for account [ XXXX ]. Despite multiple requests for correction via disputes submitted on XX/XX/XXXX and XX/XX/XXXX, no action has been taken to address these inaccuracies. This lack of resolution is a clear violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The late payment reporting on this account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. Your bureaus continued inaction contravenes this obligation. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The erroneous reporting of late payments has caused significant and undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The failure to correct this inaccurate information reflects non-compliance with these provisions. 
Discrepancies and Account Information : Below are the discrepancies observed on my account : Account Details ( TransUnion ) : Account Number : XXXX High Balance : {$2400.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Account Status : Open Payment Status : Current Two-Year Payment History : Erroneously reported 30-day late payment for XX/XX/XXXX Desired Resolution : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation of the corrections. 
Supporting Evidence : Copies of my payment history showing timely payments. 
Correspondence regarding previous disputes submitted on XX/XX/XXXX and XX/XX/XXXX. 
Relevant sections of the FCRA and TILA demonstrating your obligations. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 
Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Transunion and XXXX XXXX  to fully investigate an error on my credit profile over 90 days ago. I become aware of the fraud accounts during an annual security check. Since XXXX I have lived and worked only in XXXX, and XXXX. 

I learned that a third party opened many accounts with a close approximation to my name in XXXX at an address in XXXX Texas that I have never lived at or that I am familiar with. XXXX bought a fraudulently opened account they claim to be my account from XXXX XXXX. 

XXXX XXXX has admitted the account is fraud, and even advised that the last name on the account was XXXX, not XXXX! Yes, the name of the guy from XXXX. 

They then sold the fraudulently opened account to XXXX. 

XXXX refused to remove this account which clearly is not my account, from my credit bureau. They have threatened to sue my XXXX XXXX XXXX father. 

I demand that Transunion, XXXX  XXXX, and XXXX are sanctioned for their illegal actions against me, in violation for the Fair Debt Collections act, and in violation of the Fair Credit Reporting Act. They are unable to produce any proof that I ever opened the account, because I did not, and I was not even in the United States when the fraud activity occurred. According to 15 USC 1681i TransUnion has 30 days to investigate and send me the results. They failed to do so, and even asked you for more time 30 days ago! 


This is not OK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute XX/XX/2020, and on XX/XX/2020 I sent a letter requesting a response being that it has been over 30 days without them communicating back to me. I called Equifax XX/XX/2020 asking them where was I in my dispute process and the Equifax representative told me they just started the dispute XX/XX/2020.
Product: Credit card

XX/XX/2016 Good Afternoon, I have currently a Continental Finance SURGE credit card. I try but am unsuccessful on a regular basis to do all my business with this company on their Continental Finance website, but I have continual trouble logging in, which forces me to call my payment in over the phone. Continental Finance is aware of this problem, and take my payment over the telephone, waiving the XXXX phone pay fee for me. I signed up for paperless billing months ago, but I never received the emaisl indicating my bill was ready to view and/or pay. As a result, I missed two ( 2 ) payments, incurring late fees and a negative reporting to the credit reporting companies. I am trying to repair my credit, and this can only delay my progress in doing so. Also, I have had repeated difficulty signing onto the Continental Finance SURGE website, which is extremely frustrating. I have advised the company of this issue regularly when I contact customer service. As such, I have to contact a customer service rep via telephone, and make a payment over the phone. They always waive the fee due to their online issues.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( 4 ) XXXX ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX IncorrectPersonal
Product: Debt collection

I mailed Transworld Systems INC on XX/XX/year> and they have not responded to my letter. My issue is I never received any information from them about this and it just appeared on my credit agency reports of XXXX XXXX and XXXX. I sent them mail for verification that they have the right to put this on my credit agency report and they ignored my letter. I am attaching that same letter here for their review.
Product: Credit reporting

I have informed Equifax many times that the following addresses do not belong to me : XXXX XXXX in North Carolina ( Please remove ). 
Also, I have informed them that I am a victim of identity theft. So the inquiries should be remove since I did not authorize them.
Product: Credit reporting or other personal consumer reports

Text received from USAA about my name getting added to someones profile. A second alert received today to call to secure your account and personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Mortgage

I have a mortgage with Bank of America. I current principle balance of {$80000.00} on the original loan amount of {$92000.00} with original appraisal was {$100000.00} which put me at 22.3 percent equity in the house or debt of 77.7 percent. Bank of America had advised verbally that my PMI would automatically roll off after I reached 20 percent equity in my home. I have reached better than 20 percent equity in my home yet Bank of America consistently denies to remove the PMI. They have indicated it will automatically come off XX/XX/XXXX but at that point I will have paid well over {$800.00} from this point until then which is outrageous. 
At closing my lender was not onsite to disclose to me the documentation that I was signing. My lender specifically XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX at phone XXXX. The title agent was not knowledgeable enough to answer the questions I had regarding the paperwork. 
I have reviewed the documentation from my closing and have been thus far unable to find a PMI document that Bank of America has stated I signed/initialed regarding their PMI practices. Bank of America has indicated that I can, at my own expense, request an appraisal from ONE OF THEIR APPRAISERS and pending the value of the home not diminishing since the original appraisal XX/XX/XXXX they would remove PMI. All of the values of homes in my neighborhood have only been increasing based on sale prices alone. Bank of America has no standing or grounds on which to base their assumption that values have decreased since I purchased my home, but there is irrefutable evidence that values have increased. Additionally, I do have an appraisal report from a qualified appraiser indicating the value of my home to be in excess of {$120000.00} in the home 's current condition. I will be submitting to Bank of America a QWR as well as the appraisal in-order to have a copy of all the documents Bank of America has as well as to have the PMI removed. 
I feel their business practices are unfair and deceptive regarding their disclosure of PMI and requiring a borrower substantiate a non-decreasing value of a home when all property values regarding the neighborhood are increasing is unfair and puts a burden on the home owner that is fair from warranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to both Transunion and XXXX  requesting that they remove the inaccuracies from my report. I also provided a copy of my report from XXXX XXXX showing that inaccurate items that were deleted, and they have yet to correct my report on their end.
Product: Credit reporting or other personal consumer reports

Over time Ive called and had my account get overdrawn numerous of times, Its affected my living situation.
Product: Debt collection

I have registered both my cellphone and business line on the DNC List making sure that I was not contacted by my debt collectors as I am working to remedy my status with all debt. Navy Federal has not acknowledged my listing on the DNC and continue to call me daily even after registry. This is not right. I am seeking resolution and protection from unfair debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit on XXXX XXXX & realize some in accuracies. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. The accounts listed below are inaccurate & would like to get resolved XXXX XXXX XXXX XXXX XXXX Date opened, high credit limit, last reported date, date last active, date last payment, accounts arent accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015 me and my ex wife bought a home with Vanderbilt mortgage finance company and we divorced and she got the home and judge awarded her it and left me legally not responsible for it at all. Since then it has appeared on my credit and has hurt it where I cant get a loan or mortgage cause of it. I have called them and asked them to remove it and they said they wouldnt and I have told them several times that I have legal papers to show that I am not longer responsible for the mortgage loan and they said they dont care, So I went and ask a judge about it and it was told to me I have rights and to file a complaint against them to have it taken care of, so I have filed a complaint with credit bureaus and I have done it again and hopefully it will be taken care of. They have been rude and unwilling to corporate and it is not right for them to do this to someone. Its illegal and Im just trying to get them to do whats right It should be removed from all credit bureaus and no bad comments or anything negative on there from them cause this is horrible
Product: Credit card

Portfolio Recovery Associates , LLC ( PRA, LLC ) is attempting to collect on an alleged debt in the amount of {$1.00}, XXXX that is not mine. They are threatening reporting action to the IRS as if the alleged debt was extra income, if I do n't pay them {$600.00}. The debt is not mine and I will not be held responsible for paying for an alleged debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$260.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I called on XX/XX/year>, to have dispute remarks removed. on XX/XX/year>, according to Experians staff they had already been removed XX/XX/year>. On mine and the lenders side XXXX XXXX is still showing remark comments that have not been removed. Please help resolve as soon as possible
Product: Mortgage

This issue was addressed several years ago. I recieved communications that bankruptcy indicator was removed from any usbank records. Since i have never filed for bankruptcy in my life. I called today and spoke with XXXX in the refinance department on today approx XXXX. he mentioned account contains a previous bankruptcy. He said he couldnt remove it and transferred me to XXXX, in the bankruptcy dept. She says she could send me to a general complaint area. I She also noted the bankruptcy note appearing on screen, and said it doesnt mean anything, which is not true. I want it Deleted completely. The Bank should be responsible to correct their own errors. I want a Vp or other authorized agent to send me written notification -- -WHEN it is done, not appearing at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports companies are showing a writing off account as open/closed on my credit report and still showing the full amount of the balance as open and valid.