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

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Comprehensive Dispute of Negative and Incorrect Information on Experian Credit Report ( Report Number : XXXX ) To Whom It May Concern, I am writing to formally dispute inaccuracies, incomplete data, and violations of my rights reflected in my Experian credit report dated XX/XX/XXXX. As a sovereign entity under the Almighty XXXX, I assert my rights and invoke all applicable U.S. statutes protecting me under the law. I demand a thorough investigation, correction, and immediate removal of all erroneous and unverifiable items. 

Disputed Items 1. Incorrect/Negative Accounts XXXX XXXX : Shows a balance of {$1500.00} and late payment inconsistencies. As an authorized user, I am not legally liable for this account. 

XXXX  XXXX : Incorrectly marked as charged off with past-due balances of {$1700.00}. 

XXXX XXXX XXXX : Charged off and showing {$180.00} written off, with multiple incorrect late payment records. 

XXXX XXXX : A collection account with a balance of {$1000.00}, displaying unverified claims and incorrect original creditor data. 

XXXX XXXX XXXX XXXX  : Incorrectly reflects {$47000.00} written off and marked as charged off. This is unsubstantiated and unverifiable. 

XXXX XXXX XXXX  : Contains multiple errors, including {$120.00} and {$130.00} balances, late payments, and inaccurate monthly payment records.
Product: Bank account or service

I opened a Charter One/Citizens Checking account back in XXXX of 2015 and it 's been a nightmare since. I 've been charged at least $ XXXX {$2000.00} in overdraft fees. Some I am at fault but a bunch of others I am clearly not at fault. I have called their customer service line 4-5 times throughout the months and what 's available online with the customer banking is totally different than what shows. The call I made today was in regards to XXXX overdraft fees that randomly popped up. So I called, once again to see why. I was told they were for XXXX transactions that posted on the XXXX ( not once showing me in the negative ). Needless to say they have gotten me numerous times and they can no longer get away with what they 're doing. I signed up with them because I was told the only " overdraft '' fees I would to incur with be on outstanding " checks ''. I liked that idea because I do not want to spend money I do n't have. Back in XXXX I had called asking what the overdrafts were for they told me they can occur with an instant ( XXXX ) transfers as well. I have mostly a positive running balance as you will see with the attached documents I provided. PLEASE investigate this as I am sure there are a lot of others dealing with this. It needs to stop. Thank you!
Product: Student loan

On XXXX/XXXX/2015 I paid off account # XXXX in full in the amount of {$29000.00} to the collection agency " The Law Office Of XXXX XXXX XXXX '' who is the debt collector for the XXXX Higher Education Assistance Authority ( proof attached ) On XXXX/XXXX/2015 I initiated disputes with XXXX, XXXX, and XXXX to update their records and show that the loan had been closed out. On XXXX/XXXX/2015 All XXXX bureaus incorrectly returned a status of " reporting correctly '' after the investigation despite the fact that the loan had been paid off in full. I then used the CFPB to try to get them to correct the error, by launching a " executive investigation '' rather than the typical investigation. XXXX corrected the information upon receiving the documentation provided in this report. However both XXXX and XXXX completed the investigation stating that the account was being reported correctly, despite having official documentation from the creditor. The reports from both XXXX and XXXX state specifically that the " Creditor Claims The Information Is Correct '' which indicates that it is the original creditor that is providing the incorrect information to the bureaus. I am attempting to use the CFPB to contact XXXX XXXX to have HESAA correct the information being reported to the bureaus within 30 days as required under the FCRA. I however am officially stating before XXXX Hesaa launches their investigation into the matter that I do not authorize in any shape or form, a " hard pull '' of my credit records from XXXX, XXXX, or XXXX. Being that the loan has been paid off in full at this point and has been closed, the Promissory note has been fulfilled and is no longer active which was what XXXX stated gave Hesaa the legal authority to " hard pull '' my credit record last time. In addition since the account has been paid off, it is no longer an " active account of the consumer ''. If XXXX and the XXXX HESAA choose to initiate a hard pull on my credit record, let it be known that it is fully against my consent, and that I consider it to be a direct violation of the rights provided to me under the Fair Credit Reporting Act. I do however authorize XXXX and HESAA to conduct a " soft pull '' with the credit agencies to verify the information that is being reported to them. 
In addition to the credit reporting, the account also still appears to be legally listed as " in default '' with the State Of New Jersey despite the fact that the loan and all applicable fees have been paid in full at this point in time. I am requesting that XXXX Hesaa submit a request to the court to " vacate default judgement '' so that my record is XXXX again clear of any legal holds placed by the state in the past. If the state chooses not to comply, I will be pressing suit for damages caused by reporting false information to the credit reporting bureaus which equals a potential total of {$1000.00} for violating the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts on my credit report that are not mine they do not belong to me I have not opened or know what these are on my credit report I need these off ASAP!!! 

XXXX XXXX  XXXX  - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3800.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX - Acct # XXXX-XXXXXXXXXXXXXX Amt {$9500.00} Opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, and XXXX XXXXXXXX XXXX XXXX in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX, XXXX, and XXXX XXXXXXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Equifax, XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX, XXXX, and XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX for the cancelled debt of { { {$4400.00} } } in order to file as ordinary income. Where is my XXXX? XXXX XXXX XXXX, XXXX, and XXXX XXXXXXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX, XXXX, and XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX, XXXX, and XXXX  XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX equifax and XXXX is not an affiliate of XXXX XXXX XXXX, XXXX, and XXXX XXXX  nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX of 2019 ditech mortgage sold my mortgage of 20 years to new/rez/shell point mortgage .resulting in catastrophic results to my credit scores! Shell point insist they have reported to all of the credit bureaus in which XXXX and XXXX ARE showing up after 3 months ... but as of XX/XX/XXXX XXXX XXXX DOES NOT SHOW A CURRENT MORTGAGE on my account ( Distorting my credit score by 50 points ) ..I have spent hours on the phone with shell point AND XXXX XXXX without a solution to this problem ..i am turning to CFPB as a last resort before retaining Legal counsel.
Product: Checking or savings account

I deposited approx {$300000.00} on aprox XX/XX/2018 & only bought a car for approx {$44000.00} & the money is gone! My XXXX  reviewed my acct and saw that the bank never altered her that someone was taking a large amount, several times a day, Approx {$600.00}! No one called her, but her acct gets frozen now for {$100.00} after reporting her money was gone!!! How does a bank do this without accountability!!!!
Product: Mortgage

Wells Fargo has denied my request for loan modification several times. They send me several letters which state they do not have contractual agreement to modify my loan, but then they will send me another letter stating that the income reviewed is not enough or letters stating I have too much. I have tried everything possible, request upon request. I have gone to mediation where no decision is made. I have filed bankruptcy. I feel that they are purposely finding ways to put me, an elderly woman and her elderly husband out on the street. They very well could be discriminating against me due to age. I just do n't understand how so many others with less than me or more than me can save their home, but yet, me along with so many Well Fargo victims are forced into situations by Wells fargo and their representatives which clearly demonstrate how well they get around the law. They hire big shot attorneys to who only respond when they feel the need to and then find a way to put blame on you. As I am sure this complaint will also be answered to by them, somehow finding a way to clear themselves of any wrong doing. Its all politics and no one cares for the people who make this country what it is and what it could be. I truly hope that this complaint will be read and that a true investigation into the unfair practices of Wells Fargos and those attorney 's representing them will be reviewed in detail. Your assistance is greatly appreciated.
Product: Credit card

I am writing to formally dispute an issue I have encountered with XXXXXXXXFORTIVA, regarding their failure to remove a late payment entry from my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in rectifying this matter. 

I contacted XXXXXXXXFortiva in writing, requesting the removal of a late payment entry on my credit report, which was inaccurately reported. I provided supporting documentation demonstrating that this late payment was erroneous and should be corrected immediately. Under the FCRA, creditors are obliged to investigate disputes and correct any inaccuracies promptly.

However, to date, XXXXFORTIVA has not taken any action to correct this error on my credit report, despite the ample evidence I provided. This has had a detrimental impact on my credit score and financial standing, which is causing me significant distress. 

I kindly request that the Consumer Financial Protection Bureau intervenes in this matter to ensure that XXXXFORTIVA complies with federal law by promptly investigating and correcting this inaccurate reporting on my credit file. I believe this is a clear violation of the FCRA, which mandates that accurate information be reported and that disputes be resolved in a timely manner. 

I trust that the CFPB will take appropriate measures to address this issue promptly. 

I appreciate your attention to this matter and look forward to a resolution that ensures the accuracy of my credit report as required by law. 

Thank you for your assistance in rectifying this.
Product: Debt collection

I am writing to formally file a complaint regarding a credit transaction with Comenity Bank, which I believe violates my Right of Rescission under 15 U.S.C. 1635 of the Truth in Lending Act ( TILA ). I am seeking your assistance to investigate and ensure that this transaction complies with TILAs disclosure requirements. Given the circumstances, I am requesting that the transaction be rescinded as outlined in the law.

My Concerns : Failure to Provide Rescission Notice : I did not receive the required notice of the right to rescind within three business days after entering into the credit agreement.

Inaccurate or Incomplete Disclosures : The disclosures I received from Comenity Bank were incomplete, inaccurate, or did not fully explain my right to rescind the credit transaction.

Failure to Allow Rescission Period : I was not provided with sufficient time or clear instructions to exercise my right of rescission. I believe this failure violates my rights under 15 U.S.C. 1635.

My Request : Investigation : I request that the Consumer Financial Protection Bureau investigate this matter to confirm whether Comenity Bank complied with the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1635, and whether they provided me with the necessary right of rescission notice and accurate disclosures.

Rescission of Credit Transaction : Given the violation of my rights under TILA, I request that the credit transaction be rescinded, and I be relieved of the financial obligations related to this credit account, including cancellation of any fees or charges.

Debt Removal : I also request that any negative reporting associated with this credit account ( including any charge-offs ) be removed from my credit report, if the transaction is rescinded under TILA.

Supporting Documentation : Credit Agreement ( showing the terms and disclosures related to the credit ) Proof of Transaction ( e.g., statements, communications, or other documents related to the account ) Disclosures ( if you received any disclosures from Comenity Bank ) I trust that the CFPB will investigate this matter promptly and ensure that my rights under 15 U.S.C. 1635 are upheld. Should Comenity Bank fail to comply with TILA, I respectfully request that the credit transaction be rescinded, and I be relieved of all obligations related to it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute a series of unauthorized and disturbing credit inquiries that have devastatingly appeared on my credit reports from XXXX, XXXX, and TransUnion. These inquiries were made by companies I have never heard of and did not give permission to access my private credit information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am absolutely certain I did not apply for any credit products with these companies, nor did I authorize these inquiries in any manner. This appears to be a case of potential fraud or identity theft that is already doing severe damage to my credit score and financial life.

Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b, credit bureaus are prohibited by federal law from providing my private credit report information without a legitimate, authorized purpose stemming from my own application and approval. These unauthorized inquiries violate the FCRA.

Furthermore, 15 U.S.C. 1681i of the FCRA requires that your agency immediately conducts a reasonable investigation into these disputed inquiries and removes any that are found to be inaccurate, incomplete, or unverifiable from my credit file. The existence of these illegitimate inquiries casts doubt on the entirety of my credit report and its accuracy. 

I am extremely distressed over the impacts these unauthorized inquiries are having on my credit standing and the potential identity theft implications. Every day these derogatory inquiries remain on my report is causing irreparable harm. I demand that your agency immediately investigates per the FCRA and removes any inquiries found to be fraudulent or inaccurate without any further delay. 

Please protect my good name and credit standing, which I have worked so hard to maintain responsibly. The urgency of this matter can not be overstated. I am counting on your agency to enforce my rights.
Product: Vehicle loan or lease

My car payment is due every month by the XXXX, I typically always pay half in the beginning in the month and the remainder before the XXXX of the month as I have a 10 day period before I am charged a late fee and that is what works for me. However every single day since the beginning of my laon, I get called every other hour by this institution asking me to make my payment if it hasnt been paid in full by the XXXX and they continue this every day until my payment is made in full and I feel it is harassment to call me this many times a day. I have attempted to have this resolved with the company but all they can offer me is being removed from the call list which I do not find fair because I should be able to have a reminder call Incase I do forget but I should not have to have that reminder every other hour of every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today XX/XX/2022, Experian has notified that my disputes were completed on XX/XX/2022. However, they have not closed out my case. I am yet again filing a complaint due to the erroneous items they are still furnishing on my consumer report. I am demanding methods of verification utilized for the accounts that remain on my consumer report. I will like to remind the company that they must follow the law/ FCRA that has been administered to them. It is also my RIGHT as the consumer whom has been treated with great negligence to know : the method of verification, the name and contact of the person that they have spoken with, what documentation that was provided and did it include MY signature, and if the company provided my name, ssn, and dob. 

Please take this as the final opportunity to cure.
Product: Credit reporting or other personal consumer reports

I don't recall opening any student loans for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts was opened fraudulently : XXXX  XXXX- {$1200.00} XXXX XXXX- {$1000.00} XXXX   XXXX- {$690.00} XXXX XXXX {$610.00} I have never filed Bankruptcy and it's reporting on TransUnion/XXXX that I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX originally reported the outstanding balance on this loan incorrectly. Now they are incorrectly reporting that foreclosure was started on this loan. I have attached the short sale approval letter as evidence that this home was never foreclosed or foreclosure was ever initiated. I have also attached the HUD-1 showing the home was sold. This was previously provided to XXXX. This was never reported by XXXX XXXX. This was added after XXXX started reporting this loan. This is currently affecting my husbands ability to obtain mortgage approval. 

I am asking that they report the statement " FORECLSR STARTED '' from all credit reports for my husband and I.
Product: Mortgage

House was built new and purchased in XX/XX/2008 for {$180000.00}. The mortgage was purchased and moved to Bank of America from the original loan company. I refinanced for a lower rate with Bank of america a few years ago. Currently my balance is {$130000.00} and the value is {$200000.00}. The LTV rate is 67.8 % but Bank of America refuses to remove the PMI. Every time I contact them they send me a packet of paperwork showing that I have to pay over {$500.00} for an appraisal before they will remove the PMI. A banker at Bank of America even mentioned that their internal proprietary database shows the home value is {$200000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Services # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a Consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I received a letter from Hunter Warfield dated XX/XX/XXXX which was an attempt to collect on a debt that I did not owe, and never incurred. I received this letter on XX/XX/XXXX. I sent a demand for a debt validation letter on XX/XX/XXXX via XXXX certified mail. I never received the requested validation, or any communication from Hunter Warfield, until today. Today, XX/XX/XXXX I received another letter dated XX/XX/XXXX which was an attempt to collect on that same debt which I do not owe and never incurrred in the amount of {$1600.00}.
Product: Student loan

Navient is the WORST student loan company. Navient misallocates payments and suggested me multiple forbearances instead of income-driven repayment plans. They provided unclear information about how to re-enroll in income-driven repayment plans. They also call non stop, harassing me when I asked them to email. I am making {$350.00} per month and I am ONLY paying for interest. At this rate I will be paying them my whole life.