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

I am writing this complaint to TELETRACK. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Mortgage

Due to economic downturn, my business declined and my family went through hardship and fell behind on mortgage payments and eventually had to file bankruptcy. In keeping to our financial responsibility, we worked hard to improve our financial situation through additional employment. In the process most recently, we requested a loan modification to get back on track with our mortgage company Fay Servicing. After a lengthy, stringent process, they approved us for modification only to find out that they want to almost triple our interest rate - from 2 % to 5.5 %, a 175 % increase. Meaning our payment would go from approx. {$3100.00} to {$5200.00}. The whole idea of a loan modification is to receive some type of modification, generally more time to repay or reduction in the interest rate - NOT an increase in the rate. If it was unmanageable at {$3100.00}, how does the lender expect us to make a payment almost 3x more? It is illogical. Also, it is evident they are raping the consumer to make a profit and forcing the homeowner out of their home by making it unmanageable and foreclosing on them. Manipulating the rate during the modification process is very deceptive. The account manager stated that the rate had to increase because that is the market rate and that they could not offer a government program or rate. We knew for a fact that we weren't in a government program or rate at 2 % because we were told that back in 2014, so by making that statement and standing behind it was clearly an excuse. In 2014, Fay Servicing confirmed to us that we had a conventional loan and did not qualify for any of the government programs because of the loan amount. Also, at that time we were told we needed to come up with approx. $ 25K to avoid foreclosure, and when we told them we had the funds, they informed us it was too late to stop the foreclosure - when it was 5 days away. Again, we knew that wasn't true. So we know what the account manager recently stated was not true. Also, I researched the rate with local banks to be sure and they confirmed my belief as I was told the rates were below 4 %. We find this discriminating and illegal - because we filed bankruptcy and imposing an acceleration of our interest rate, respectively. Also, our house is upside down by $ XXXX and the lender didn't even consider a principal reduction or forgiveness. The lender is well aware of this as they recently completed a market valuation of the house. I hope CFPB can assist us in the process to keep our rate the same and get a longer term to repay our lender so we can stay in our home and also work out a principal reduction after they chose to not work with us before and force us into bankruptcy. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX XXXX, Equifax To Whom it may concern my name is XXXX XXXX. I am the person who is filing this complaint on my behalf. On XXXX I sent a letter regarding inaccurate and unknown things on credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from 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 stress you caused me. My Information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX Listed below are the Personal Information that are beings required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

To Whom It May Concern, I have been dealing with identity theft for the past year and a half and it is a difficult and troublesome on-going issue that Im still trying to resolve. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. Apple card issued by Goldman Sachs Bank USA has blocked me from seeing my bank statement under my apple ID : XXXX I have reported many charges which were fraudulent to them, however, they have re-billed everything that were reported. I can not see anything on my end I have no access to see what is happening to my account. However, I was afraid of interest would accrued on the card I just kept paying until I was able to reach out. They never returned my emails or phone calls and I'm left in the dark on why my fraud claim isn't resolved. As explained when I have reached out to them about those charges, which I can't see since my account was closed without notice, that are fraudulent due to identity fraud. They recently claimed they found not fraud on my account which is inconsistent to what I have originally reported to them. My phone was lost with my wallet, my virtual card is on that phone. How can you not find fraudulent activities on my card when that happened?? Moreover, I don't have access to this email address XXXX anymore because it was hacked into when I lost my phone. Again I received no communications from Apple to its day. No reasons given as to why they closed my account either.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
i was hired to do a job by a known client that ended up with me being set up and forced to empty my pockets and open my phone at gun point. The person holding me at gunpoint then forced me to open my bank account and proceeded to XXXX all of the money out of my business account to a random person I do not know. 

The total amount stolen was {$13000.00} from multiple accounts. I have contacted the bank and they have denied my claims stating that this was authorized by me even though I have provided clear as day evidence including police report and multiple news reports.. even the detectives phone number who is on the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the proof to XXXX, Transunion, & XXXX that they are reporting wrong information on my credit report and that it needs to be removed, but they have not removed or sent any response to me at all. I have sent 3 letters to each company starting from XX/XX/2021, XXXX & XX/XX/2021. Ever since Civil-19 they have been getting worse and worse. This isn't fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two account that I do not recall doing any business with that are showing on my credit report.XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX. This is not the first time I have had this issue. Please forward me a copy of a contract or some paperwork with my written signature on it! Once again request that the credit bureau collect and forward the formal validation within the next 30 days of receipt of this request. Please included any supplemental materials which verify that the account is factual. I would like to see a little more than a summary one-sheet. Instead, I have demanded a substantive validation according to the FCRA. If the credit bureaus cant find it in a reasonable period, any data disseminated from credit reporting agencies must be considered counterfactual.
Product: Debt collection

I sent a request through the XXXX website notifying them that I have moved out-of-state and that I was canceling my subscription. They charged me the following month. I disputed it with my bank, and XXXX began to call me stating that I have an unpaid balance. I spoke with several team members notifying them that I moved out of state and that I submitted the request to cancel before I moved. The last person I spoke to was XXXX on XX/XX/year>, who notified me that the account was delinquent via voicemail. I called her back and explained everything to her. She stated that she would look into it, and never called back. I believed it had been resolved, but I received a notification that this had been reported to XXXX.
Product: Mortgage

In XXXXXXXX XXXX XXXXXXXX, the mortgage company did an escrow analysis for the period of time of XX/XX/XXXX to XX/XX/XXXX, and increased my monthly payment effective XX/XX/XXXX. They stated my escrow account was projected to have a shortage of {$1100.00}. They increased my monthly payment for escrow in the amount of {$220.00}. My new monthly payment was increased from {$2200.00} to {$2600.00} effective XX/XX/XXXX. 

The mortgage company ( PNC ) had renewed/paid my homeowner 's insurance in XXXX, XXXX ( {$2400.00} ) before my renewal date and before I was able to renew. I then renewed with a different insurance company at a much lower price effective XX/XX/XXXX ( {$1400.00} ). I received the refund from the insurance company in XXXX and sent it PNC. ( {$2400.00} ). I requested in writing that they recalculate my escrow payments to reflect the new insurance payment and lower my monthly payments.

I was sent a check for {$240.00} in the first week of XXXX, as a refund for too much in the escrow account as of XXXX, XXXX. A new analysis was done on XX/XX/XXXX for the period of time from XXXX XX/XX/XXXX and the payment was reduced to {$2400.00}. However, the payment of {$2600.00} remained in effect for XXXX, XXXX and XXXXXXXX XXXX XXXX 

I called on XX/XX/XXXX and stated that I was entitled to a refund for XXXX, XXXX and XXXX regarding the lower insurance cost effective XX/XX/XXXX in the amount of {$560.00}. I was told that they would do another escrow analysis and review the matter. 

I called again on XX/XX/XXXX, and despite my explanation again of the issue, I was told they would review it. 

I called again on XX/XX/XXXX and stated the same. However, I was disconnected and no one called me back. 

Despite me obtaining insurance at a reduced cost effective XX/XX/XXXX, they refuse to refund me {$180.00} per month for XXXX, XXXX, and XXXX. ( total {$560.00} ) Instead, they lowered the payment effective XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute online for my XXXX  Credit Report because I found, inaccurate information in the following areas : Name, Addresses, Phone Numbers AND Double Reporting information. And they keep trying to force me to buy something specifically TRANSUNION just to see and dispute my Credit Report. Per the Fair Credit Reporting Act that is FREE. I swear. Im not being FRIVOLOUS. The site keeps redirecting me every time I try to log in to view my report and submit a dispute. 

I have XXXX accounts that were reported Double but in separate categories on my Credit Report therefore this causes a double negative effect on my Credit Score. 

The accounts are as follows : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 

Each of these accounts were reported 2 times in 2 separate categories on my XXXX   Credit Report and possibly XXXX  and TransUnion in the categories, Open Accounts and Collections Accounts. And I know this wasnt done by mistake. They did it on purpose. They are malicious. 

As for the Addresses, Names AND Phone Numbers, the Credit Agencies resound by using automated, generic responses. I get absolutely nowhere with them. They claim thats what the Creditor reported and act as if they dont need to do anything about it. This is in direct violation of the Fair Credit Reporting Act. It doesnt matter if the information was reported by a Creditor. That doesnt make it true. What matters is that the information on my Credit Report is, inaccurate, incomplete and unverifiable, but most specifically INACCURATE. 

For example, Ive never lived in New York. Yet theres a New York address on my Credit Report. Another example, my LEGAL NAME is, XXXX XXXX XXXX NOT XXXX XXXX. The information is INACCURATE and thats a FACT. I have the PROOF to be able to verify that thats not my name. Therefore both the Reporting Agencies and Credit Bureaus are reporting INACCURATE information. Simple. Black and white. 

But why is it XXXX near impossible to get anywhere with these people?! It seems like its their way or the highway regardless of the laws to protect consumers and citizens. So if thats what this really is, then this needs to be known and the Political and Economic Structure need to be changed to accurately portray whats really going on.

My requests are simple, black and white and WITHIN THE LAWS. There should be nothing else to it. So whats the problem?!?! Ill tell you what the problem is. This corrupt, scandalous, trifling, pathetic, disgusting government and system. If I could leave I would. I would of left a long time ago. But my Brain and Body are hostages being held against their will. And dont even try to use the XXXX card. Im SANE. And thats a FACT also.
Product: Student loan

I attended XXXX  XXXX XXXX in XX/XX/XXXX through XX/XX/XXXX. I had taken a XXXX dollar student loan through Sallie Mae which was XXXX a semester. I withdrew a couple days into my second semester and the college tried to get me to pay them for second semester but I contacted them and it was fixed that I didnt have a balance and that they never received the XXXX for the other half from Sallie Mae. Since then I was unemployed and XXXX and in XXXX a lot and for several years I had told them that and asked for forbearance. In XXXX Navient still had my loans and my credit had been destroyed they put me in default and took my whole tax return. Now since then my lions were turned over to XXXX XXXX XXXX XXXX and Dept. of Education and Ive been on a repayment plan and out of default. I should not owe XXXX only XXXX. Im attaching all documents and would like to get refunded and the remainder of my balance eliminated and my credit repaired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get this rectified as you are reporting erroneous information and now I will be contacting state legislation and my elected officials regarding this information. The following accounts are incorrect : -XXXX  XXXX XXXX ( XXXX ) -XXXX XXXX XXXX ( XXXX ) -XXXX XXXX ( XXXX ) Both XXXX XXXX XXXX accounts are reporting incorrectly as discharged as student loans were not discharged in bankruptcy. Also XXXX XXXX  is reporting incorrect information and was never late within bankruptcy. All accounts are scheduled to come off within the next 3-6 months. Please delete the accounts ( early exclusion ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name 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: Credit reporting, credit repair services, or other personal consumer reports

All three  Credit  agencies failed to respond appropriately to Attorney 's demand letter, ignoring the subject and disregarding the statute of the fair credit act.      XXXX  willfully disregarded the letter on 3 more occasions responding with generic letters attached herein.     In the process,  XXXX  sent 4 different credit reports on 4 occasions. It came to my attention that  XXXX  is willfully granting access to and business entity for no " permissible purpose ''.     The report  XXXX  sent me clearly cites credit inquiries totaling 13 that all state reason for inquiry as " Unspecified ''. I called   XXXX    and asked about this - they told me " Entities who have Certified to  XXXX  they have a " Permissible purpose '' can have my credit no need for anything in writing or for  XXXX  to verify my signature or consent.     Based on that premise, an entity upon making a request for my credit or any consumer credit can then certify - " No Specific Reason '' when asked why they want my credit. And according to  XXXX , no reason at all - this is " Permissible Purpose '' for  XXXX  to hand out my credit report and personal information on demand to anyone who pays them. On the occasion of my credit report  XXXX  mail to me,  XXXX  gave out my credit for " unspecified '' reasons on different  13  occasions.     None of these occasions supported or authorized by myself - the consumer. I would like to seek compensation for ever time   XXXX    has breached the act.
Product: Checking or savings account

On XX/XX/year>, I moved from Arkansas to XXXX for work. On XX/XX/year> I notified US Bank ( my primary bank for over a decade ) that my phone was hacked during the global IT event with XXXX. Hackers were able to remote into my phone and access my personal information, as well as apps that were connected to my US Bank account. I disputed fradulent charges from XXXX, XXXX, and XXXX XXXX. I closed my old US Bank accounts and opened new ones. I was told at this time by US Bank that I would not be able to access online banking until XX/XX/year> as that is when my old accounts would officially close. I called multiple times during this time to check my account balance and make sure that I had sufficient funds in the account. During this time I am also starting a new job and setting up direct deposit that needed to be changed to reflect the new banking account information. After being able to access my information on XX/XX/year>, I noticed that something seemed off with my account and my new debit card was not working. I went to the local branch ( US BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO to troubleshoot the card and each time I was told they just needed to order a new one to ship to me because they were not able to see why the card is not working. Yesterday, XX/XX/year>, I called online banking and was told they could see a hold on my account, so they transferred me to the fraud department, who then said I needed to go to a branch manager to resolve the issue. I went back to the local XXXX branch who has helped me throughout this process and was told that " corporate closed the account and no longer wishes to do business with me. '' I asked why this was happening as I had not done anything other than report fraudulent charges a few weeks back, but there was no answer. " There is nothing I can do. '' I was told that the account was to be closed and that it had been on hold since XX/XX/year>. Since the money had already been held for 10 days, I asked that they release the money to me so I could open another account elsewhere ( I am closing on a house this Thursday ), and desperately need the money in my account. 

Of note, when I closed the old account, there was a {$1600.00} balance in the account that was transferred to the new account. I received my first paycheck from my new employer on XX/XX/year> as well which included a relocation bonus so the total in my account now is {$17000.00}. Since closing the old account, I received a letter from US Bank this week ( not post dated ) that I have a - {$600.00} balance in my old US Bank account from fradulent charges that were already disputed and approved as fraud. It does not make sense to me that charges would be allowed to hit a closed account? I am concerned that US Bank is overturning their original decision about my fraud claim, but not telling me. Either way, I can accept if they want to close all of my accounts, but I am concerned that they are unlawfully holding my money from me. Can someone please help?
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance.