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

( a ) IN GENERAL : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report only under the following circumstances : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681- Fair Credit Reporting Act : ( a ) Accuracy and fairness of credit reports : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

List of Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 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 related to any transaction by the consumer.

Enclosed are all relevant documents pursuant to the above section of the law. I demand that all the aforementioned fraudulent accounts be deleted immediately. Additionally, I demand an updated copy of my consumer file reflecting these changes, as stated by 15 USC 1681c-1 ( 2 ) - Access to free reports.

15 USC 1681c-1 ( 2 ) - Access to free reports : In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall : ( A ) Disclose to the consumer that they may request a free copy of their file pursuant to section 1681j ( d ) of this title.

Be advised that I will CC : The Bureau of Consumer Financial Protection ( CFPB ) The Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX ( XXXX  ) The Attorney General 's Office in your state and mine Thank you, XXXX XXXX Enclosures : Copy of ID Utility bill showing proof of address Copy of Social Security Card FTC Identity Theft Report
Product: Checking or savings account

On XX/XX/XXXX, I opened a savings account with Citizens and deposited {$2000.00} from my XXXX account. Later the same day, I could not access my account and the customer service representative said they closed my account and the money will be returned in 2-3 business days. XXXX posted the transaction the next day so I know the money went through. It has been longer than 2-3 days and I still havent had my money returned back to my original XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to list an tradeline account on my credit history stating that the account # XXXX with XXXX XXXX. I have challenged it and when Experian came back saying it as a true account I decided to Reach out to XXXX and take the issue up with them. See letter attached confirmation from XXXX that they have no account for me in their records. Still though Experian refuses to remove the tradeline in its entirety from my credit report. 

I need this report filed for record as I will be filing suit with the courts since this is not being removed
Product: Credit reporting

I went to XXXX like I have in the past to order a free credit report from XXXX of the XXXX bureaus. My plan was to do XXXX every XXXX months like I had in the past. I went through bankruptcy in XXXX and have been rebuilding my credit since then -- this is the XXXX time I have tried to order my credit reports since that time. I wanted to establish a payment history with a small credit card my credit union issued me. I went through the ordering process for each bureau, and for each XXXX, I was notified that I would not be permitted to order online. I would need to order by phone or mail. I had been using XXXX browser and decided to try XXXX and the same thing happened. I 'd many times in the past ordered my free annual credit reports online. Even when I ordered for the XXXX time online I was never declined and asked to do request by mail or phone. The only thing that has changed is that I went through bankruptcy. To me there is no reason that I should have to order by mail or phone when I was very careful to verify exactly who I was correctly online for all XXXX bureaus. I realize I 'll probably have to call XXXX of the bureaus just to get on with this, but this bothers me very much -- I feel singled out based on my bankruptcy filing. Of course I have no proof of this, but I still felt I should report it to you. People trying to come back from bankruptcy should n't be made to jump through this extra hoop. I 'd appreciate being able to monitor my credit report just like everyone else -- by ordering online -- a method that is far more preferable to me. Thanks for listening. Best, XXXX
Product: Credit reporting or other personal consumer reports

Experian has some kind of internal block on my credit report/profile and Im asking them to remove it as soon as possible. I would like for Experian to remove any/ all internal blocks, credit freezes, security freezes or any other blocks, they may have placed on my Experian credit report/profile as soon as possible.
Product: Debt collection

Account was opened XX/XX/2012 account to XXXX in the amount of {$330.00} This should have never even been sold to a collection agency as the original merchandise was brought back. 

Debt is not even valid ; and I formally request that this is removed and closed from my credit report. This has been on here for no reason, for far to long, I would appreciate that the company removes this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to resolve a fraudulent inquiry made by someone with SunTrust Bank, However, SunTrust Bank has stated they are holding their position that this information is accurate and factually sound. 

Therefore, after receiving information from SunTrust Bank, they failed to provided me Definitive proof outside of the personal information they received from a unknown source which will verify they did not speak directly to me to obtain my private information. 

To simply resolve this situation, it is well known that all calls are recorded for training and verification purposes with SunTrust Bank breaches. I am requesting at this time, date, minutes of call in progress, and Audio of this call to be uploaded to the CFPB platform to be proof and verification and factually sound as stated by SunTrust Bank. 

Please provide this Audio immediately, if you are not able to display this level of proof, it is absolutely clear SunTrust Bank can not hold a position of this fraudulent inquiry being factually sound.
Product: Student loan

66 months ago, I consolidated my undergraduate and graduate loans with the specific purpose of qualifying for the Public Service Loan Forgiveness Program ( I'm a public XXXX XXXX  ) .I was told by my lender that all repayment plans beyond 10 years qualified for the program and I was told the 25 year level plan would qualify me. They placed me in that plan based on that phone conversation. Now I am halfway through the 120 required payments and I'm told my repayment plan doesn't qualify and there is nothing Navient can do about this. I followed my loan servicer 's recommendations to qualify and was misdirected. Now I'm told I must switch plans and pay another 120 payments. I hope I qualify then.
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 XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

According to the FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNTS YOU POST ONA A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL, OR EMAIL IN A FRADULENT ACCOUNT.

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  ACCOUNT NUMBERS : XXXX XXXX HAS VIOLATED MY RIGHTS.

15USC1681 SECTION 602 ( A ) STATES I HAVE A RIGHT TO PRIVACY. 

15USC1681 SECTION 604 ( A ) STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

In violation of the Fair Debt Collection Practices Act, Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX filed the attached Notice of Sheriff Sale XX/XX/2022, and caused the same to be served on my wife and I, who hold a deed to the property with stating the Judgment to be satisfied, in violation of the FDCPA. Upon receiving notice of the sheriff 's sale, I immediately contacted XXXX, XXXX XXXX, XXXX and spoke to an employee that identified herself as : XXXX. I explained the Notice XXXX XXXX XXXX did not list the XXXX to be satisfied. She stated she would have that amount emailed to me that day or at the latest the next day, Friday XX/XX/2022. It was never emailed. This violates the FDCPA. Further, for years the mortgage holder servicer ; XXXX XXXX XXXX XXXX, XXXX MORTGAGE SERVICING ; and the mortgage holder : THE BANK OF NEW YORK MELLON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX, ASSET-BACKED CERTIFICATE, SERIES XXXX, has repeatedly failed to comply with federal after we have received written authorization from their client and he also gave verbal authorization to the servicer who gave us a quit claim deed to stand in his shoes to pay off his mortgage so we can clear the stain on the title. 15 U.S. Code 1639g, states : - Requests for payoff amounts of home loan. A creditor or servicer of a home loan shall send an accurate payoff balance within a reasonable time, but in no case more than XXXX business days, after the receipt of a written request for such balance from or on behalf of the borrower. In fact the attorneys for the Bank XXXX New York and its servicer, XXXX, Attorney XXXX XXXX, XXXX XXXX XXXX and Attorney XXXX XXXX, have mislead courts on a material factual matter, to wit : they in fact had the required authorization to provide a payoff letter, whether for use in an assumption or for the Plaintiff to get an outside loan, and made a material misstatement of fact that they could not provide a pay off letter. This violates federal law as shown above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 3 FTC reports with inquiries I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters numerous of times adding more and more information. I've included an identity theft letter from the IRS, an police report for identity theft, and a letter from the bankruptcy court saying that they did not verify a bankruptcy with Lexus nexus. My information is mixed up with another XXXX XXXX. I would like the bankruptcy removed from my file. I also want old addresses removed from my file. Especially the ones that are not mine. On LexisNexis. My consumer report number is XXXX. My case number is XXXX. The 2 XXXX XXXX are mixed up in this situation. I don't know if it's due to clerk error or identity theft. But this information unverifiable and needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has resulted in unknown and inaccurate accounts appearing on my report. As a victim of identity theft, my personal information was used fraudulently, leading to these unauthorized accounts being listed. Following Equifax 's instructions, I promptly filed an FTC Identity Theft Report and submitted it to address the issue. Despite this, the fraudulent accounts remain on my credit report, causing unnecessary distress and complications.
Product: Mortgage

This letter is to address the recent denial for Modification, on behalf of XXXX XXXX. 

It was determined, by XXXX XXXX that the default was, to quote him - self-inflicted. That it was caused by monies that were given to my father, shortly after my wife passed away. 

This information is absolutely incorrect, as my wife passed on XX/XX/XXXX and in XXXX, XXXX, I lent my father monies. It wasn't until almost a year-and-a-half of on-time payments, that I defaulted. The reason was directly related to the repayment of medical and funeral costs related to my wife passing away from XXXX. 

These costs, saddled with college tuition and housing costs for my daughter are the REAL reason for the XX/XX/XXXX default - again, almost a year-and-a-half after I extended the loan to my father. 

Also, in XXXX of XXXX, Crown Mortgage declined an initial request for modification, based on - 1. No verifiable hardship - this is incorrect, as the hardship was clearly stated as ongoing funeral and medical costs from my wife 's passing, as well as, current college costs for my daughter 2. Mortgage is Affordable - This is actually a reason to APPROVE a modification - at the very least a reinstatement I was not seeking payment relief, I was seeking reinstatement to put this situation behind him. 

At this time, I'm more than able to return to good faith payments and simply wish to put this matter behind me.
Product: Mortgage

Lender bought mortgage from XXXX XXXX XXXX in XX/XX/year>. After a review they articulated that the house needed flood insurance. Upon calling them I articularted the previous lender did not require flood insurance. They noted the discrepancy and took to reviewing the process as did I. After numerous calls over three months we mutually decided that the best course of acction was to place a private policy which I paid for and NewRez agreed. I reconfirmed that there was no policy placed on the property nor did I receive a policy from them. 

A few months ago I noticed {$1100.00} on my escrow and called the lender. They said it was a error and were to remove it. 4 separate calls have been made asking why it had not been removed and they changed the amount owed to reflect the escrow. Again I called and asked what was happening and a clerical error was the excuse. 

At this point I called the lender which may be the 20th time. I stopped autopayment and made a payment for the Principal and Interest and infomed them of this. I have done that three times manually now, I continue to receive late notices and called again. Over 170 emails or hours on the phone total ... Most of it on hold. The new story is they retroactively charged me lender based flood insurance from the day they acquired the mortgage and did not inform me at anytime even after asking. No resolution and they either hang up or leave me on hold. 

Simply they have changed their story and our now trying to charge interest and penalties and I am current with an XXXX credit score. 

Need them to issue credit for the charges and interest. I have done everything they have asked and now they are changing their story. No policy no insurance no coverage and revisionist history. I have enclosed mortgage statement in email and have good documentation on this. 

Resolution is to credit all escrow and fines back to me and ensure that my credit score is not damaged. 

I will pay mortgage for XXXX on XX/XX/XXXX early to maintain good faith tin the process as this provider has been impossible to deal with and former lender was excellent to deal with. 

This company is behaving as a predator to me and the family. They robocall and awake a XXXX XXXX XXXX with XXXX that we care for. This is unacceptable. 

Respectfully, XXXX XXXX, XXXX
Product: Credit card or prepaid card

In XX/XX/2018, Capital One put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end when I disputed the issue with a manager over the phone. They also failed to notify me that my payment was past due. I never got a call or an email reminding me that my payment was past due. 

More detailed explanations ( please see attached photos ) - On XX/XX/2018 my payment of {$100.00} was returned so I made a payment of {$100.00} on XX/XX/2018. 
- In XX/XX/2018, my auto-pay did not go through and Capital One charged me a {$25.00} past-due fee on XX/XX/2018. I called them on XX/XX/2018 to make a payment of {$210.00} to bring my account to good standing. Capital One acknowledged there was an issue with auto-pay on their end and waived the {$25.00} fee that they charged me on XX/XX/2018. They also said that my account was in good standing and there was no late payment due reported. 

They said they were going to fix it and submit the removal but they never did. It is still showed up on the two other bureaus and has greatly lowered my score.
Product: Credit reporting 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a banana republic credit card where I incurred a late fee for the balance on the bill of {$5.00} back in XX/XX/2020. The company reversed this late fee for me ; however, it is showing on my credit as a late payment which is hurting my credit I spoke with the company and they have not yet helped to resolve this for me. 

As someone who is in their 20s and previously uneducated on credit, I now understand how important prompt payment is in this matter and this will not let this happen again.I have been extremely diligent since then to ensure all bills are paid on time. 

I completely take responsibility for my naivety and promise in my maturity to move forward with financial competence.
Product: Debt collection

I always have my insurance on me, these debts from the medical room can not be my fault, Ive paid and my insurance has and my credit is terrible.
Product: Mortgage

This complaint is in relation to Planet Home Lending Mortgage Company. I have been charged additional fees up and above my regular mortgage payment for the XXXX time this year. I went through a loan modification XX/XX/XXXX and it is currently XX/XX/XXXX and I continuously am being charged fees. I have called Planet Home Lending customer service and they ca n't give me a straight answer. XX/XX/XXXX they charged me a fee of {$34.00}. Their explanation was that it was in regard to my loan modification and was a fee that was not paid. I reluctantly paid. Then XX/XX/XXXX I was charged a fee of {$51.00}. When I called to inquire, they were not sure what the fee was for and they credited my account, but left a fee of {$3.00} which again I paid. XX/XX/XXXX they again charged me another fee of {$46.00}. Again after speaking to them, they corrected the fee. Now, I received my XX/XX/XXXX statement and another fee for {$17.00} has been charged to me. I am very frustrated with these fees almost every month. I called and inquired about this fee and they said it was a fee for a XXXX drive by '' that was conducted during my loan modification process XX/XX/XXXX. A year and a half later and they are charging me for someone to drive by my home to check if it is occupied. I am tired of taking time to inquire about these extra charges for all these months. I feel I am being penalized for obtaining a loan modification and they continuously are finding some kind of fee to charge me above the regular mortgage payment. Is there anyone that can look into this company? Maybe conduct an audit and check if this is happening to other customers. I received a loan modification in order to afford my monthly mortgage, but the fees they keep assessing is not helping me what so ever.
Product: Debt collection

I have disputed and asked for EOB and individual charges from XXXX to XXXX I have spoke with the collector and advised I had Medicaid they still refused to remove it from my credit report or give me an explanation of the charges and break it down to me.
Product: Credit reporting or other personal consumer reports

I file bankruptcy on XX/XX/23 and received a XXXX XXXX  discharge on XX/XX/23. The personal loan with XXXX was included in my bankruptcy. The loan is unsecured and was discharged. I file 2 credit disputes on XXXX and XXXX to have this removed since I did not reaffirm the loan. Both disputes have been closed and the loan is still reporting.
Product: Credit card

XX/XX/XXXX Letter from Chase Card Services " Credit card passed due XX/XX/XXXX I called explained " this card issued XXXX, was never acctivated, is locked in my safe.Plus no transactions had occurred in over XXXX years. 
The charge was XXXX I had not used or authorized in over XXXX years either. 
Could not get the phone collector to acknoledge my problem. 
I'm XXXX, [ one of th reasons we did not activate the card ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Credit Systems XXXX XXXX XXXX # XXXX XXXX, Tx On XXXX XXXX, 2021, Southwest Credit Systems added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$460.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to Transunion, XXXX and XXXX Credit Bureaus to update my personal information to only 1 name,1 address because I don't want to be a victim of identity theft. I explain in my letters having those addresses listed on my report is opening me to be victim of someone filling out a credit card application or loan in my name and subjecting me to go into debt without my knowledge. I have sent countless letters and copies of my drivers license and utility bills to prove my current address, but nothing is being done.