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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$8100.00} XXXX  Date Opened XX/XX/XXXX Balance {$16000.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX company name XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

5 USC 1666b : A Credit may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Mortgage

In XX/XX/XXXX, I inquired with XXXX XXXX ( my mortgage lender at that time ) regarding a forbearance under the CARES Act XXXX in anticipation of my wife being XXXX XXXX in XX/XX/XXXX. I was not aware that during my inquiry it was the beginning of my forbearance as I was not informed by the representative and I just made my XX/XX/XXXX payment. I was informed that my loan terms will resume after 12 months of forbearance with my missed payment added in the back end of the maturity term. For the next 12 months starting in XX/XX/XXXX, I was in forbearance with XXXX XXXX  After the 12 months period, I was informed by XXXX XXXX to resume my payment on 1st of the month under trial payment plan for 3 months ( XX/XX/XXXX- XX/XX/XXXX ). I was confused by this but complied with their trial payment plan. After making my first payment in XX/XX/XXXX, I received a letter stating that my loan was transferred to LoanCare , LLC. I called LoanCare , LLC to make a payment per XXXXXXXX XXXX unwritten term. LoanCare , LLC stated that they will rectify any issues that XXXX XXXX made as soon as they receive all the records. I continued to call every month to request a status of my request of Partial Claim under the VA Partial Claim Program. LoanCare , LLC continued to inform me that they do not have the complete records. LoanCare , LLC received my records in XX/XX/XXXX which at this time the lender informed me that they are still working on my request. This same information was relayed to me as I call in every month to make my payment. It was at the end of XX/XX/XXXX when I called to make my XX/XX/XXXX mortgage payment that they informed they did a Loan Modification. The Loan Modification is not a Partial Claim that I have requested despite of them stating that I was not approved for Partial Claim. I have called the VA in which LoanCare , LLC reported a forbearance requests ( which was approved ) from XX/XX/XXXX - XX/XX/XXXX. This forbearance was NOT requested by me as I made my monthly payment. LoanCare , LLC also reported to the VA that a loss mitigation letter sent to me in XX/XX/XXXX, which I never received because they kept stating they do not have ALL my mortage records from XXXX XXXX ( previous lender ). Also, LoanCare , LLC did NOT apply for a VA Partial Claim on my behalf as they informed me I was not approved. The Loan Modification terms is resetting my remaining 25 years back to 30 years, and my rate of 2.75 % ( which I purchased a few years back ) is increased to 3.50 %. This is not the terms that I was informed and agreed with XXXX XXXX  under the CARES Act of XXXX forbearance of VA Loan. This loan modification of LoanCare does not lower my monthly payment which is what a loss mitigation supposed to be. All it does is that it resets my loan terms and increase my monthly payment from my original. I have asked LoanCare , LLC to process and submit a VA Partial Claim which they have not.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I told XXXX XXXX that I had trouble with licensing at my job and would not be getting paid until it was fixed, they have called and emailed me repeatedly. I told them I could do $ XXXX/month until I am able to pay more and they told me no.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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 - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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 - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Product: Mortgage

This all started my 1st loan Mod, where they said if I paid for 12 months, they would take XXXX off of the total, unfortunately I tried to make my payment on-line and was denied this opportunity, I called approximately 15 times trying to at least unlock my online account to no avail, I spoke to a supervisor, that was very rude at the time and they told me there was nothing they could do about it, I immediately assumed something was wrong, especially since Wells Fargo would be $ XXXX liable, this figure would have sufficed at the time an brought me current and I would be on on schedule to make all of my necessary payments to keep current with my mortgage, I know, if provided the opportunity this could all have been alleviated and I have spent a lot of money trying to rectify this entire situation and I know I have been treated very unfairly during this whole process since this entire issue transpired. I feel they were not dealing with me because they did not want to honor the government money they were going to, or did in fact receive on my loan, I think this should be investigated as a side-note. I would appreciate someone reviewing all of my documentation that I will be uploading that I spent the past 6 hours putting together, as well as the 100 's of hours spent getting information together for court cases, XXXX XXXX filings, and documents needed to not only obtain a lawyer, but to provide al of the necessary documentation to continue this course of action to keep my home. After this whole ordeal, they sold off my mortgage to XXXX they refused to work with me as you will see from all of the attachments I will include in this complaint/notification, I am always available for any questions or concerned via email and this information can be found on my login information.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today XX/XX/XXXX Ive tried unsuccessfully to get in contact with the collection agency called The Bureau. Ive called several times and left numerous messages regarding a derogatory account listed on my credit report. This account was opened on XX/XX/XXXX with a balance of {$720.00} and the originator being XXXX XXXX Bank. I have had no contact what so ever with any representative from The Bureau nor has anyone from The Bureau tried contacting me before reporting this information on my credit report. I have no standing signed contract between myself and the Bureau and I have never done any business transaction with any employee of the Bureau. This account has a negative impact on my credit history and is by all means a defamation of character. This account also goes against the rules and regulations set forth by the FCRA to protect clients and their personal information from slander and misappropriation. I would like The Bureau to remove this account and its information from my credit report and be prevented from reinserting it at a later date.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction with the handling of my lease agreement with XXXX, which commenced on XX/XX/2023. Since the initiation of this agreement, I have encountered numerous challenges, primarily stemming from a lack of communication and administrative oversight on XXXX 's part. 

Upon receiving the vehicle and associated documents to sign, I was surprised to find that no contract or any official account document was provided, aside from the plates arriving out of the ordinary timeframe which resulted in significant inconveniences such as late fees and violations due to the expiration of temporary plates during this period, even the extension sticker for the inspection was well out of the grace period. 

Despite my persistent attempts to rectify this issue by contacting XXXX on multiple occasions, I have been met with inconsistent responses and instructions that have failed to address the root cause of the problem. Ive adhered to every instruction provided by XXXX, the late fees were eventually waived, but the adverse impact of the late payment on my credit report remains unresolved. 

It is imperative to emphasize that this situation is not a reflection of my creditworthiness, but rather a consequence of XXXX 's complete lack of communication and support throughout this process. I have diligently fulfilled my financial obligations by paying my balance in full and have implored XXXX to acknowledge the extenuating circumstances surrounding this matter. 

Therefore, I am formally requesting a thorough investigation into the attempts I have made to uphold my commitment to this lease agreement, despite being left in the dark due to XXXX 's negligence. I trust that a comprehensive review of the account history and notations will substantiate my claims and highlight the persistent efforts I have made to mitigate the consequences of XXXX 's shortcomings. 

I urge you to address this matter with the utmost urgency and diligence to ensure a fair resolution that accurately reflects my creditworthiness and commitment as a customer. Your prompt attention to this issue is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I tried to rent a house in XXXX XXXX. I have never had issues renting until now. On my credit report there was a car that was charged off in approximately XX/XX/XXXX saying that I now owe over {$10000.00} on. When I reached out to XXXX XXXX XXXX I was told that they have record of me co-signing for a vehicle with my ex wife. I explained to them that it wasn't possible because I was living in XXXX at the time of the purchase which was made in XXXX ( XX/XX/XXXX ). I was then told they would look into it. I was able to rent the house so I thought that the issue had gone away. I checked all 3 credit agencies and saw no derogatory remarks on them. 9 months later I am now trying to buy a house and this same issue came back up. I explained again the situation to XXXX and was then told that in their notes they were supposed to call me back 2 weeks after our initial call but someone never did. I have spent a week sending them documents showing I was not living in the area at the time and my ex wife and I were separated ( our divorce finalized in XX/XX/XXXX ). I am in the United States XXXX so I can not just up and leave whenever I please. I have even filed a report with the FTC Identify theft site and sent them a copy of the report. I have to request leave in order to go out of the state which I never did. With everything I have given them they are now investigating my case 9 months after I originally called. I need this removed from my credit immediately. I recently lost a house I wanted to buy because my loan officer will not push through until this is cleared up. Thank you for any help you can provide.
Product: Student loan

I have student loans and Mohela is my student loan servicer. During the pandemic, student loans were placed in forbearance where payments were not required. At this time I was also enrolled in a employee-sponsored loan repayment program that continued to make payments on my loans- there was not flexibility in the program to pause payments, and I had to either remain in or withdraw from the program. 

I learned recently on a phone call with Mohela that there was an opportunity to request a refund for payments made during the forbearance period, however those requests had to be made by XX/XX/2023. In reviewing all of my communication from Mohela in the months leading up to this date - emails and messages through my loan portal - I was never made aware that I could request a refund. I feel that this represents negligence by Mohela. I have filed a complaint with the Department of Education and also wanted to file a complaint with the CFPB.
Product: Debt collection

Harris and Harris called me two times, claiming I owe the Arizona Department of Revenue money, but they wo n't tell me why I owe them money or show me the paper trail of the debt. They refuse to send me all the documentation that supports this claim. They also claim that the Fair Debt Collection Practice Act does n't apply to them.
Product: Credit card or prepaid card

The account was set on auto pay for as l have had this card ( over 3 years ). There was a XXXX balance on the card but there was an annual service fee that was charged. The auto pay did not go through as it should have which resulted in a 30 day late.
Product: Debt collection

XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX, TX Re : Conns Appliance debt from fraud XXXX, TX I'm being sued from debt brought on by being a victim of identity theft back in XX/XX/XXXX-XX/XX/XXXX. My estranged half sister stole my drivers license and social security card. Her name is XXXX XXXX XXXX, XXXX, born XX/XX/XXXX, she has a long XXXX history of XXXX  and XXXX XXXX and XXXX  and a long long XXXX XXXX. When she moved out of my father 's house she stole many other items. To which the authorities where we lived came out to deal with on various occasions. I've already spoke to Conns when I found out on my credit report in XX/XX/XXXX and was receiving notices as a result and they agreed they would take the information and submit to fraud department. I even put fraud alert on my cr reports as a result. Received another call about 45 days from XXXX at Conns and was told they would charge it off as fraud. They couldn't authenticate it was me that took out line of credit for the account. On all consumer reports they took the debt off and then after about 8 months it came back. I've since made numerous calls & messages to Mr. XXXX 's office and no return call. There needs to be a further investigation due to the lawsuit they have against me of how info has been obtained that proves I applied for this account. I spoke to all cr agencies and disputed the information proving my sister 's background resulting in having the debt removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been proven that you are not abstracting records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$8200.00}
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights XXXX U.S.C XXXX section XXXX A. States I have the right to privacy 15 U.S.C 1681 section XXXX section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

comenity bank. I have an account through XXXX XXXX   and I was told my minimum payments would be XXXX dollars per month now I got a statement for XXXX and my new minimum payments are XXXX I called Comenity bank on XX/XX/XXXX to rectify the situation and I was told that that is what my new payments would be but I havent received anything in writing about this increase. I was also told that XXXX dollars of the XXXX would be for interest and only XXXX would go to my payments.
Product: Credit card or prepaid card

I was upset after I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that XXXX has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy.

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.
Product: Money transfer, virtual currency, or money service

PNC Bank is charging to cash their own checks. This has been one of their fraudulent activities since ages. It is preposterous for bank to charge to cash their own check and this service of draining money from the average consumer should stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and XXXX and Bank of America. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5200.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$100.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.