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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account 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 account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

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 account which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, US DEPT ED 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 card

Citi bank contacted me to report fraudulent charges in my CC 's. They stated I am not responsible for the charges. Bank refuses to authenticate me and insists on collecting copies of unrelated documents ( DL, utility bills, social security card ). Bank has reported account as unpaid to credit bureaus despite locking the accounts and refusing to speak with me. Bank will not accept my billing address or phone number on file as authentication despite them matching my credit report. Bank refuses to issue a check for my rewards cash points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been unlawfully furnishing information on my report. I've reached out on three separate occasions. I have included both my driver 's license and a utility bill to verify personal information.
Product: Credit reporting or other personal consumer reports

I am rewriting to formally refile a complaint against TRANSUNION for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent accounts to persist on my credit report without rectification. Attached to this communication, please find copies of the letters I previously submitted to TRANSUNION, along with the assigned identity theft case number XXXX. It has come to my attention that despite my dispute letter dated XX/XX/2024, TRANSUNION has failed to address the fraudulent accounts that continue to be inaccurately reflected on my credit report. I had anticipated that TRANSUNION, as a credit reporting agency, would safeguard my personal information and ensure the provision of precise credit reports. I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entries. I urge TRANSUNION to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. Your immediate attention to this matter is appreciated, and I expect TRANSUNION to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in my credit report.
Product: Credit card

I have called and left voicemails XXXX separate days asking for my account to be unlocked so i can pay my billl before credit utilization continues to hurt my credit. They have not returned the calls despite saying they would on the machine. Have also messaged them on the app countless times about it to just be told I need to call and even had snippy agents tell me Ive been told to call before. But I literally have been the issue is nobody answers.
Product: Mortgage

I am after whatever compensation I am entitled to ; I am a customer of Green Tree Mortgaging ; I am a victim of the XXXX they have been taken to task for
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Experian in regards to my inquiries on XX/XX/XXXX and I still havent got a response in regards to any of my inquiries that were listed on the letter.
Product: Mortgage

This has been a complaint which started many years ago, I feel Wells Fargo is negligent on handling their accounts and rely on misrepresentation and misleading statements not only from loan officers but also from those who work in the XXXX office handling complaints. 

First of all, I am no longer a customer of Wells Fargo. I paid off the pre-foreclosure I am a very thankful and happy person because of it. I have no more ties to this bank. I am so sorry for those who have lost their homes due to their misrepresentation, misleading, self absorbed XXXX 's, XXXX XXXX and who controlled by them, but some in the XXXX office enjoy it when they can inflict pain and suffering who has no control over them. 

Now let me begin. I paid off the loan. The payoff had a home mortgage of {$5000.00}. Wells Fargo requested my paid receipts I have home insurance on my home. I gave them all the information they needed that I had home insurance. Still when we closed on the account they still charged me {$5000.00} for home insurance. WHY am I paying them for home insurance when I was already paying for full coverage of home insurance by my private XXXX. If they come back and say I did not have insurance at the time they manipulated my account. Lied to me why my account is the way it is. They never never explained anything why my account is the way it was. I have never never dealt with a bank such as Wells Fargo. I think it is their intent to manipulate a loan, confuse people, even their own employees at the branch. 

I will never never understand the process of how Wells Fargo does business. 

I am making a very big request, that the Representatives and Senators will provide XXXX XXXX for the Victims of Wells Fargo or any bank loans during the time period of XXXX which turned into a foreclosure, that if these foreclosures were paid off prior to XX/XX/2023 that they will be placed in Good Standing and all late payments and derogatory remarks will be removed from one 's credit report. 

It saddens me not XXXX XXXX of these major banks were ever handed a criminal charge for wrongdoing. 

Manipulation, Gaslighting, Misrepresentation to have a customer sign a contract which was totally the opposite of what the loan XXXX said.
Product: Student loan

Hi my name XXXX back in 2015 in XXXX i started school at navient school they gave ipad that would not keep connect to wifi which i was also told when tax time came around i would get school XXXX never receive anything from them and they also have been blowing up my phone the payment when i told them before kicking me out only a week in school that i was having problem with their tablet now their asking for when i move i lost it and cant .my only thing is i never got student XXXX for from them when i got ferdal grant that paid for tablet and they told me after 6 month i will half to start paying for my school.
Product: Credit card or prepaid card

some of these purchases were made by an XXXX  spouse, i was in a XXXX XXXX relationship and now chase credit services is on my credit report and i want it off immediately.
Product: Debt collection

A collection account from Creditors Bureau Associates was placed on my Credit on XX/XX/2021. I immediately filed a dispute with XXXX only to find out that Creditor Bureau Associates was collecting a paid in full debt from XXXX XXXX XXXX XXXX. 

Subsequently, during the dispute process, a representative from Creditors Bureau Associates by the name of XXXX XXXX contacted me on XX/XX/XXXX. I explained to XXXX XXXX that this account and any other balance due to XXXX XXXX XXXX XXXX was paid in full via a settlement in XXXX of 2021. XXXX XXXX asked for proof which I forwarded to her an email from XXXX XXXX, XXXX Supervisor, at XXXX XXXX XXXX XXXX. 

I had not heard back from the agency but on XX/XX/XXXX, I received notification that my dispute with XXXX was complete and the account was verified. Not sure what that means but I had already sent the proof to the collection agency that it was false and should have never been forwarded to them. 

The agency then proceeds to add the same invalid collection account to my XXXX credit report as well. 

I attempted to call on Tuesday, XX/XX/XXXX after receiving further documentation from the collection company showing proof of the two payments I made in XXXX of 2021. One payment on XX/XX/XXXX in the amount of {$300.00} and another payment on XX/XX/XXXX in the amount of {$100.00}. 

The agent I spoke to transferred me to a supervisor where I ended up having to leave a message with no callback. 

I will be filing a complaint with the credit bureaus as well for allowing inaccurate information to be placed on my credit file.
Product: Mortgage

Truist refuses to stop emailing me, received an e-mail from them this morning. This is my 3rd complaint with you. The last, which was " resolved '' for this very same issue was on XX/XX/2023. The mental stress and anguish that this is causing is simply overwhelming. Is CFPB not the proper place to be making a complaint? If not, please let me who I need to contact for help. Do I need to file a lawsuit for harassment? I'm not sure what to do from here and not sure what the CFPB is doing if anything. Truist needs to stop harassing me and they simply need to be held accountable.
Product: Credit reporting or other personal consumer reports

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. 
( 4 ) The creditor 's inability to truthfully depict an obligation payments or credit that gas given to the debtor on a statement. 
( 5 ) A computation error or other similar accounting error on a creditor 's statement. 

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove the inquiry from my credit file. XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a copy of my credit report on XX/XX/XXXX from transunion. I have seen 2 inquiries on my account from XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX, Mo XXXX, XXXX ) requested on XX/XX/XXXX and from XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX, DeXXXX XXXX requested on XX/XX/XXXX I did requested nothing from both of them, also i didnt give my premisson to someone else, to use my information or to try to do something else under my name.
Product: Checking or savings account

XXXX XXXX FXXXX insurance was placed against an SBA loan unknowingly to the borrower. The lender, US Bank, took an additional XXXX dollars of flood insurance before the borrower was able to get it stopped. The lender required us to get flood insurance totaling XXXX XXXX dollars against a loan that had a balance of {$88000.00}. We feel that money is owed to us as we had borrow provided insurance in place and supplied proof of it which was acknowledged by the lender, even though they continued to try and take more money from us for their forced placed flood insurance. The documents I will provide show an accurate detailed timeline of events, as well as all of the documents the bank provided us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted a written request by mail for Equifax credit Bureau on XX/XX/18 to send me copies of the documents that the company has used to verify the accuracy of the account as a public record. I have been dealing with XXXX, Equifax, and XXXX over a year, and they have not looked into my credit report. I have sent muiltiple verification and follow up letters, and it comes back verified that the three credit Bureaus have not sent in any verifying documents to show where the information is involving the Bankruptcy. I received a letter back from XXXX on XX/XX/18 stating that they previously processed the dispute, and verified its accuracy without sending me any verifying documents back. On my first follow up letter I sent off to Equifax, I stated " Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature '' " Per the Federal 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 and/or judgment ( s ) all accounts and public information that you post on anyones credit report '' As I've stated above, the Equifax credit Bureau did not provide me with any verifying documentations with my signature on it. 
My credit is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error on all the reporting Credit Bureaus Equifax. Thanks so much for looking into this important matter.
Product: Debt collection

XXXX XXXX company failed to mitigate damages ( XXXX RPL XXXX ) from an early termination of a XXXX  Lease during Covid ( high risk and had to leave the city ) and instead left the unit off market and sent me to collections for ~ {$5000.00} in unpaid rent. XXXX XXXX time frame. 

Currently suing the XXXX XXXX XXXX in XXXX small claims court for this violation of duty to mitigate. Courts are backed up and waiting for a docket. 

As soon as informed that the XXXX sent me to collections, I sent a certified debt validation letter via XXXX XXXX XXXX XXXX XXXX XXXX XXXX the debt collector ) on XX/XX/XXXX. 

HW IncXXXX refused to accept the Debt Validation letter and it was returned. 

Subsequently, I filed disputes with the 3 CRBs. 

HW Inc. replied to them ( but not me ) on XX/XX/XXXX ( according the HW rep on phone ). 

Still receiving harassing phone calls from HW Inc. as of XX/XX/XXXX, despite having informed them of the Debt Validation attempt and the ongoing court case. 

Attempting to purchase my first home to start a family and am having difficulty with mortgage approval from this.
Product: Mortgage

I have been making extra principle payments to ditech to pay off my mortgage early. When I asked for the paperwork telling me the loan was paid in full, they told me I owed an additional {$2700.00} in a deferred interest payment from 2005. I asked why it was not on any paperwork, statements, credit reports, etc, and was told they did n't know but I still owed it. I asked who authorized this and requested any and all documentation considered in this incident including signatures and was told I would receive such in seven to ten working days. 
I have since contacted them on more then one occasion, requesting the same thing and getting the same canned answer, but no results, no paperwork, nothing but a practiced stalling technique. First off, I think this should have been disclosed on my monthly statement, if it was legitimate. Second, the amount is nonsensical and excessive if legitimate. Third, I think they may just be trying to recoup the lost interest if the loan was paid to reach maturity. I DON '' T KNOW. They have kept this charge secret and continue to do so, while my house is now paid off. Is this a standard practice for all mortgage lenders or is there some illegitimacy here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 card

Discover card lowered my credit line on or about XX/XX/XXXX without any notification, causing me to incur fees for rejection of automatic scheduled payment. On or about XX/XX/XXXX Discover had sent me an e-mail asking me for income information, which I supplied. I called Discover on XX/XX/XXXX when I learned of the credit line reduction and they claim to have mailed me a letter regarding the action, I have recived no such letter. I have had this card since XX/XX/XXXX with no late payments, missed payments, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have been a XXXX XXXX XXXX American Veteran ( XXXX ). In XX/XX/XXXX, the Department of Veteran Affairs ( VA ) mistakenly reported me as DECEASED, which also VOIDED my Social Security Number. In XX/XX/XXXX, the Department of Veteran Affairs corrected my VA files ; and also in XX/XX/XXXX, I went into my Local Social Security Administration ( SSA ) office and had my Social Security Number reactivated and reflowed through the SSA system ( see attached entitled SSA Letter ). The only problem I am still having for the past 6 years is when a potential Lender/Creditor request my Equifax  Credit Report. Every time a potential Lender/Creditor request my Equifax Credit Report, the Equifax Identity Report generated shows me as DECEASED ( See attached entitled My Equifax ID Report ). I am not having this DECEASED Identity Reporting problem when Lenders/Creditors request my XXXX or XXXX  Credit Reports.
Product: Credit reporting or other personal consumer reports

I believe that there have been violations of my rights under the FCRA by these agencies, causing me undue stress, XXXX, mental anguish, financial loss, career setbacks, emotional distress, and loss of sleep. These issues stem from the infringement of my right to privacy as outlined in 15 U.S.C. 1681, Section 602. Specifically, I did not authorize XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX accounts in my consumer credit report. 15 U.S.C. 1681, Section 604, subsection ( a ) ( 2 ) explicitly states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX  XXXX XXXX.
Product: Debt collection

Midland Funding LLC, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$160.00} with XXXX, XXXX, & XXXX credit report agencies. I requested verification of the debt and account, however the busines failed to provide adequate proof. Considering this business does not have a contract with me for goods and services they have provided nor have they provided adequate proof. I should not be obligated to pay for the alleged debt. 
Thank you in advance.
Product: Credit card or prepaid card

I paid off my Victoria Secret credit card in XX/XX/2021. They have 3 options in their app : pay selected amount, pay due balance, and pay off balance. I selected pay due balance, incorrectly believing this would still pay off my card, as there are no explanations for the differences between the last 2 options. I paid my balance, and they did not include the interest in the reflected balance. The next month I had a past due amount of {$2.00} that I never received any notice about owing. They did not call, nor do they have any contact information on their app. I had to XXXX the phone number, and they confirmed that they never called me about the balance and just recorded and reported it as a late payment. My credit score dropped XXXX points because of poorly worded payment options and a {$2.00} interest fee that they failed to communicate with me. This has caused me to not be able to get a mortgage even though before now, Ive never once had a late payment for anything. Commenity bank, who owns the card, was not only not helpful but extremely rude when I finally figured out how to contact them to straighten this out. The Ohio Attorney General recommended I reach out to you to get this resolved. What I would like to have happen is to have the late payment removed from my credit report. I paid the balance the second I learned about it.