23daVinci/CFPB_Complaints huggingface dataset:
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  Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a 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 reporting or other personal consumer reports

Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a conasumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account 's 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 
has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I received a {$22000.00} HELOC from Figure Lending XX/XX/XXXX. XX/XX/XXXX Figure Lending supposedly sold my loan to XXXX XXXX XXXX XXXX. Then in XX/XX/XXXX the loan was sold again to XXXX XXXX XXXX. But the loan was NEVER sold. In XX/XX/XXXX Figure Lending assigned my mortgage to XXXX XXXX XXXX XXXX as recorded with the XXXX XXXX XXXX of deeds. Then again in XX/XX/XXXX transferred it back from XXXX XXXX XXXX XXXX to Figure Lending. Figure Lending is the current owner of my mortgage despite claiming to have sold it. I have filed bankruptcy and even the court documents show Figure Lending as my lienholder. XX/XX/XXXX Figure Lending LLC filed an objection to my XXXX XXXX plan despite claims of selling my loan and no longer having an account for me or collecting payments on my loan. Figure Lending is still listed as my creditor. This is fraud!
Product: Checking or savings account

on XX/XX/XXXX, my checking and savings accounts at US bank were closed, due to suspicious activity. I did not receive any form of notification from my bank, I found out when i tried to log into my account via the app, i had to call the XXXX #, and they notified me my account status. 
I have been patiently waiting for my funds to be returned to me. My checking account had approx {$3000.00}, and my savings had approx {$20000.00}. I am on the phone now with US Bank, and they are telling me still that my account is active, but in a pending close status. Meaning my funds are frozen and I have no access. It was escalated last week on the XXXX, to the back office, and the only thing they can do is email them again, and I would have to wait another XXXX days for a update. 

I need my money. bottom line. I have no other source of income, this is my livlihood. I dont have any food, gas in my car. nothing. because US bank is taking their time, doing XXXX knows what, to delay getting my funds to me.
Product: Student loan

XX/XX/2023 : My PSLF application was marked as received by MOHELA XX/XX/2023 : I received a letter from MOHELA indicating that my application had been processed and my PSLF Qualifying Payments count was now XXXX XX/XX/2023 : I contacted both MOHELA and the Department of Education to ask for an application status update and ask if there was anything I could do to move things forward. Both responded and indicated that the other organization was the one that needs to take action next ( see attachments ) XX/XX/2023 : I filed a complaint with the Department of Education through the FederalStudentAid website ( case # XXXX ) due to the length of time it had been since submitting my application. 

XX/XX/2023 : I received an interim response to the complaint from Federal Student Aid stating that they were researching my concerns and would " follow up with more information within the next XXXX calendar days. '' I haven't received additional communication from them since ( as of XX/XX/2023 ).
Product: Mortgage

I have a second mortgage on my home with Specialized Loan Servicing , LLC. I pay my {$440.00} mortgage on time every month. For the last eight months I have been sending in a seperate payment of {$500.00} that I have clearly marked " Additional Payment for Principal Only ''. They have only applied XXXX of these payments to my principal. I have called three times and submitted a previous complaint. They said they corrected it and that they would send me a listing of all of my payments. They sent the list of payment but it also showed that they have only applied XXXX of these payments to principal. The other principal only payments they are holding in an " unapplied account '' or they apply it to the next regular payment. They are holding my money. Not applying it as I asked and lying to me about it when I call. I believe they are fradulently doing this to extend the loan that I am trying to pay off early.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report multiple inquiries for car loans : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached my FTC Report. Thank you for your time in helping me solve this matter.
Product: Checking or savings account

Subject : Follow-Up on IRS Confirmation of No Levies or Holds on Account Dear Chase Bank , I hope this email finds you well. I am writing to follow up on our previous conversation regarding the status of my account in relation to any levies or holds issued by the IRS. 

After contacting the IRS directly, they have confirmed that there are no levies or holds on my account. Additionally, they mentioned that no levies have been issued for business or personal accounts since the start of the pandemic in 2020. 

I was informed by the IRS that they are required by law to provide me with any information that may have been provided to you prior to sharing it with you. However, I have not received any such information from the IRS regarding any levies or holds placed on my account. 

The IRS advised me that there is no paperwork they have to provide me stating that I have a XXXX balance and no holds are issued. They also suggested that I visit the Bank Branch office to request a copy of whatever information the IRS has provided to Chase Bank. 
I was also advised by the IRS to go to a branch speak with a manager and ask them to call the IRS and confirm that they have no levies or holds placed against my business. 
I kindly request your assistance in providing me with the information that you received from the IRS, regarding any levies or holds being placed on might account as well as any documentation related to my account status. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your understanding and cooperation. 

Warm regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Today XX/XX/2015, I received a phone call from XXXX claiming they are debt collector. I think it is a some sort of solicitation, because far as I know, I do n't have anything go into debt collection. I informed the guy immediately, I have an attorney, but he continue to pressure me to ask, if I am filing bankruptcy, even after I repeated about XXXX times that I have an attorney, please contact the attorney directly. He was very forceful, and he claimed ignorance when I informed him that it is illegal to ask me questions when I already inform him that I am represented by an attorney. I asked for his information, I am not sure if he gave accurate information because he was very evasive. He claimed his number is XXXX, name is XXXX ( though he quickly said another name ) with operator number XXXX, company XXXX or something. I gave him my attorney information and hanged up, but I think it was a scam.
Product: Student loan

I do not want XXXX obtaining my personal information for my student loans. I believe that I have a right to privacy, including my financial information. I do not know who is overseeing this organization and I do not give my consent to release it to anyone. I am worried about how my information may be used by the Department of Education.
Product: Credit reporting or other personal consumer reports

After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXXXXXX - I do not recognize this at all. - Delete this immediately.
Product: Credit reporting or other personal consumer reports

Remove these ASAP, I HAVE CONTACTED THE COMPANIES WHERE THE INQUIRY ARE SHOWN, THE COMPANY THEN TELLS ME TO CONTACT TRANSUNION AND THEN BACK AND FOURTH
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I have no knowledge about them, and the company acted without my consent.
Product: Checking or savings account

BANK OF AMERICA IS CLOSING MY BANK ACCOUNT IN RETALIATION FOR A COMPLAINT I FILED WITH THE CFPB REGARDING A DISPUTE OVER A CHARGE I FILED. THIS IS DISCRIMATORY AND PREJUDICIAL AND BANK OF AMERICA IS ENGAGING IN UNETHICAL AND ILLEGAL BUSINESS PRACTICES AND THIS IS UNFAIR TO ME AS A VETERAN NAD A CUSTOMER AND I WOULD LIKE TO HAVE THE MATTER INVESTIGATED IMMEDATELY.
Product: Debt collection

JCS is listed as debt collector for multiple accounts on my reports. Ive received zero communication to validate debts nor Information pertaining to my rights. JCS has not attempted to contact me in any way that would allow my to be able to exercise my rights under FDCPA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Formal Dispute and Complaint Under 15 U.S. Code 1681o for Negligent Noncompliance Dear CFPB Representative, I am submitting this formal dispute and complaint regarding Experians failure to comply with the Fair Credit Reporting Act ( FCRA ), resulting in harm to me. This violation falls under 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), which holds entities liable for failing to adhere to FCRA requirements. 

FCRA Violation and Negligence : The entity mentioned above has acted negligently by failing to comply with FCRA requirements, which has caused harm to me. Specifically, they have : Failed to conduct a proper investigation. 
This negligence has resulted in damages, including denied credit, financial loss, emotional distress, etc.

Relief Requested : I am requesting that CFPB : 1. Conduct an investigation into this matter.

2. Direct Experian to correct the violations and comply with FCRA requirements.

3. Award appropriate remedies as provided under 15 U.S. Code 1681o, including actual damages, attorneys fees, and other relief deemed appropriate.

I appreciate your prompt attention to this matter. Please confirm receipt of this complaint and keep me updated on the investigation. 

Sincerely, XXXX XXXX Let me know if you need any modifications!
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've placed fraud alert on my credit report due to identity thief I 've reached out to, XXXX XXXX and Transunion informing them this XXXX XXXX XXXX Acct # XXXX acct does n't belong to me. I 've even asked for acct verification with my signature, I have n't yet received this information. I 've called numerous time and have talked to customer service. 

XXXX : Dispute # XXXX, XXXX, XXXX, XXXX XXXX Dispute # XXXX, XXXX, XXXX, XXXX, XXXX Transunion File # XXXX - I 've sent XXXX disputes and 4 pone calls
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete all these illegal accounts from my credit reports. 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

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 XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX 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 CXXXX XXXX  XXXX XXXX XXXX XXXX As 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 XXXX  XXXX Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I was charged 3 fraudulent transfers from my checking account to Xoom. 

I was then charged 80-100 fraudulent charges from my XXXX through my credit card.
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting multiple late payments in XXXX and a recent late payment in XX/XX/XXXX. I have spoken with XXXX XXXX and was told they did not report any late payments in XXXX or anything recently, therefore, Experian reported incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA you are violating my rights. And I don't owe anything and all the account needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items from my credit report. 

XXXX  XXXX XXXX {$180.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$790.00} BANKRUPTCY CHAPTER 7-DISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint involves all CRAs. 

Multiple CRAs, multiple credit scores, multiple scoring models makes it easy for lenders to use data as they please. This impacts the customer. 

Example : Through XXXX XXXX my credit score is XXXX using FICO model XXXX XXXX data. 

I applied for a loan with XXXX XXXX  and although approved the credit score came back at XXXX using TransUnion with a rate of 7 % Unsure what model used.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please remove all fraud alerts and fraud victim statements from my file please. And do not add any alerts or freezes to my credit report files. 
The following accounts are not mine and do not belong to me, please remove : XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account XXXX : XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX I am requesting the following addresses to be removed from my credit file immediately : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX am requesting the following employment information to be removed from my credit file immediately : XXXX. XXXXXXXX XXXX XXXX XXXX
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  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX has violated my rights. Or 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: Checking or savings account

The {$100.00} that was deposited to open the business checking has not been returned back to me. To make matters worse and causing me stress, the Citibank branch and Citibank customer representatives would not help me at all. All of the individuals I have contacted/spoken to were giving me a round-a-round. Below are the facts of the this complaint : 1 ) the business checking account was opened last XX/XX/2020. A {$100.00} check from my personal credit union checking was deposited ; 2 ) Citibank closed the account last XX/XX/2020 and a letter from Citibank came and DID NOT EVEN INDICATE THAT MY {$100.00} WILL BE MAILED OR NOT ; 3 ) Citibank customer representatives were very rude, unhelpful, and were giving me a round-a-round ; I asked several times to speak to their supervisor and they told me they do not have any supervisor ; the representatives names were XXXX ( PIN : XXXX ) and XXXX ; the Citibank representatives from overseas were the ones who were rude and unhelpful ; the Citibank representative from USA were very nice and at least very respectful ; 4 ) I contacted the Citibank branch XXXX via email and over the phone and they told me that they can not help me ; 5 ) Right now, XXXX XXXX  is struggling due to COVID19 pandemic. WE are thinking of closing it if I do not get a turnaround in the next three months ; and here goes other people and Citibank company not returning my money for more than 30 days is tantamount to XXXX  and XXXX  me and my family slowly ; HELP ME AND MY FAMILY
Product: Debt collection

XX/XX/XXXX To Whom This May Concern, After reviewing my credit reports, I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

Account Name : XXXXXXXX XXXX- Account Number : XXXX Opened : XX/XX/XXXX As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said account. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA and when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Warm Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved