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

I XXXX XXXX am a victim of identity theft my information was used illegal by primary physician office I was sent letter of the lawsuit that I was effected and a part of class action suit and didn't recieve any money but not interested in the money more so my credit that was effected and still reporting on my credit report I filed for identity theft thru identity theft.gov also reach out to each company in XXXX and still the problem arising on my report and hindering me from my credit .based on Law 15 us code 1681c-2 a consumer reporting agency shall block the report of any information on the file of a consumer that the consumer identifies as information that results from an alleged identity theft no later than 4 business days after the date of receipt. If has been 30days ans you are in violation of the law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounta should not be furnished on my consumer report as they are in violation!!! Under 15 us code 1681b permissible purposes of consumer reports ( A ) in general subject to subsection of any consumer reporting agency may furnish A consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN Institution of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violets my rights as a federal protected consumer. No consent is identity theft. As a consumer I Am demanding the deletion of these accounts listed IMMEDIATELY. Accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I notified Nordstrom/TD Bank that I am a victim of identity theft and my personal information was used to open an a fraudulent account. I requested that the fraudulent account be closed immediately and remove any charges on the unauthorized account. I also asked them to send me a written confirmation that I am not responsible for the charges on this account and take appropriate steps to remove information about this account from my credit files. 

I sent Nordstrom Bank a copy of my FTC Identity Theft Report, personal statement, police report, Proof of identity and Notice to Furnishers of Information. 

I still have not received a response from the company so I sent a follow up letter on XX/XX/XXXX via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Equifax Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Checking or savings account

Simple transferee my funds to BBVA and they have locked me out of my account its been 5 days of called customer service waiting hours on the phone and they just keep hanging up. I called another customer service line and asked to close my account and mail me my balance and they said I would have to transfer my funds out yet they locked my access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX
Product: Checking or savings account

My name is XXXX XXXX I was in training for the XXXX  XXXX of XXXX thru XX/XX/XXXX I arrived at my XXXX XXXX  XX/XX/XXXX at some point in XX/XX/XXXX someone was able to get a second bank card for my personal account and withdrew a total of XXXX from a atm in Tennessee Im XXXX  at XXXX XXXX North Carolina also I have never been to Tennessee they are still in the process of deciding where to get give me the money back or not
Product: Money transfer, virtual currency, or money service

I made multiple reports and also phone recordings letting this company know to stop contacting me also followed up with a cease and desist letter they still continued to contact me through email and mail services and are basically not complying with my legal demand. Neither did they remove this negativity report from my credit file
Product: Debt collection

What I need help with was not listed. I had a 20 year term life insurance policy with American Family Insurance in XXXX, Il. which ran out of time last XXXX. I told them to cancel the policy when they contacted me about continuing with the much higher rate. I told the woman I did not want it and thought that was that. I was very clear that I wasn't paying an extra {$100.00} a month, that is what I told her. Apparently they were not ready to cancel and kept charging me for another ten months. For the entire 20 years I got a receipt every month in the mail... Not so for the last year. It seems deliberate. All I want is my premiums back for the last ten months.
Product: Money transfer, virtual currency, or money service

Ref ID - XXXX, Paypal restricted and/or put my account to limited status. I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days is excessive, and perhaps a punitive abuse of power. May email linked to paypal is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting student loan accounts as unfavorable/negative that have closed as of XXXX. The bill was reported late while in grad school. I attempted to explain this to the credit agency, but they refused to fix it. The other problem is the accounts are being reported twice paid as agreed, and potentially negative. I have asked XXXX to unlock my report as of XX/XX/XXXX, but they refused. Experian resolved the dispute in 5 days with no change to record because the company is no longer in business and is telling them we were behind on payments.
Product: Student loan

Upon checking my consumer report, I have become aware that Navient has been reporting many errors, including false and misleading information this account does not meet the credit reporting Standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment and humiliation and is damaging my entire life by Keeping me from getting new credit for personal, family and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.
Product: Credit reporting or other personal consumer reports

I requested for Experian, XXXX and XXXX to update my personal information, as of this date they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft, someone obtained my SSN, DOB, and opened two bank accounts in my name at my bank, but used a New York address which " red flagged '' the XXXX XXXX XXXX  Fraud Dept [ XXXX ], they called and I advised them it was not me so they closed the accounts. I contacted Hawaii Police Department and filed a report and openned an account with the Federal Trade Commission and followed their Identity Theft Guidelines. Which was to do Fraud Alerts and Account Freezes with the 3 Credit Bureaus. I contacted XXXX  and they were helpful : they put a instant fraud alert which they said they send to Equifax and XXXX, and  XXXX  froze my account with them, but said I have to also freeze my accounts at the other two credit agencies separately. I froze my account at XXXX  as well they confirmed the Fraud Alert. Then I opened an account with Equifax, on line and submitted all my information, had a password etc ; requested a Fraud Alert : ( 1 ) they said no immediate fraud alerts only the 7 year " write-in mail '' fraud alert ; ( 2 ) I am doing that ; ( 3 ) I tried to do an account freeze and instead Eqxuifax cancelled my account, refused me  access to freeze my account ; and refuse to allow me to freeze my account over the phone. Equifax is completely uncooperative with me. There is absolutely no reason I know of for Equifax to refuse me access to my account or properly deal with me over the phone I am complaining because I am an Identity theft victim, who is being victimized again by Equifax 's unreasonable cancellation of my account and refusal to deal with my phone calls after I identify myself, give them my ID, then ask me numerous questions about my alleged financial activities, which I would have to have all my records in front of me to even be able to answer. It is completely ridiculous. Why is Equifax refusing me access to my own account? There is something wrong, but they refuse to deal with me over my own accounts. I need the government regulators to investigate why they are refusing me online access to my own credit accounts when I give them all my personal information, email, password etc. It is very suspicious to me.
Product: Credit reporting

I did a background search on myself and realized that information that should have been removed has not. 
I provided the company with copies of my court order expungements. 
Please see the attached documents.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL. XX/XX/XXXX ROLLAUTO. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX BRCLYBANKDE. XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose f
Product: Mortgage

HARDSHIP / LOAN MODIFICATION LETTER XXXX Hello CFPB, Regarding a mortgage with XXXXHSBC, Our family has experienced financial disaster due to the COVID-19 shut down and economic downturn there after. 

We were granted the forbearance that was offered to us from XX/XX/XXXX to XXXX of XXXX. 

There was NO FULL DISCLOSURE regarding the repayment of said forbearance, we did NOT sign any contract and or agreement regarding any repayment plan and or full disclosure regarding the forbearance repayment. 

At this time XXXXHSBC has offered us a Loan Modification with a catch, we have to re-qualify for the Loan Modification XXXX XXXX HIGH interest rates. This seems completely unfair at this time, post pandemic. 

If we do not qualify they are demanding the FORBEARANCE PAYMENT OF OVER {$130000.00} due and payable at once. 

Our loan was purchased from XXXX XXXX Bank in XXXX, the loan was sold sometime after to XXXX ( HSBC is an investment company based in mainland XXXX ). 

We did NOT receive notice that our loan was sold to an overseas foreign investment company ( HSBC ). 

This loan should have the same perimeters, rules, regulations and guidelines as the original lender had in the original note ( from XXXX XXXX a FEDERALLY BACKED LOAN ). 

Therefore the note should be honored by the CARES ACT at this time. 

Our Forbearance balance is {$130000.00} to date, we do not have funds to make that payment, at once. 

This property has been in our family for over 40 years, we constructed our family home in late XXXX to early XXXX. 

We have been paying on this loan for almost 13 years, we have never needed to pay a late fee on this mortgage. 

We do not wish to lose our family home after so many years of loving memories. 

We became sick with the XXXX XXXX XXXX business has been down for months and months. To date business is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also became hospitalized with multiple conditionXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please help us. 

* XXXX HAS REPORTED THE FORBEARANCE LOAN BALANCE TO OUR CREDIT REPORT AND REPORTED MONTHS OF NON-PAYMENT. NEGATIVELY EFFECTING OUR CREDIT REPORTS AND CREDIT SCORE WITHOUT BEING IN FORECLOSURE. 

We wish to be in good standing with XXXX and HSBC, any consideration would be greatly appreciated. 

Please advise. 

Thank you.
Product: Checking or savings account

I closed my account with Citizens bank XX/XX/2021. The keep re-opening my account and charging past due fees and reporting to the credit bureaus. They say that anytime some tries to collect money from my account they re-open it. I end up with negative balances and penalties. This account has been closed XXXX times now trying to work with them They are destroying my credit and holding me XXXX to them.
Product: Student loan

Ok, I submitted a complaint with the CPFB about a month ago and got a response from Navient to call them at XXXX and then when I spoke to them, passed on the response given through the CFPB stating I was eligible for a XXXX interest rate and a lower payment of {$250.00} a month. The rep stated they have no record of this and attempted to transfer me to some escalation department, which was a law office. I have had it with being lied to! I explained, this was a response directly from Navient stating I would be FINALLY taken care of and yet I get mislead again! Not only did they deny offering me this, they stated the garnishment would NOT be lifted and this {$250.00} would be over and above the garnishment. I was garnished on loans that were NOT mine, could not fight them in court because some snake fake law group who were actually collectors, filed papers with a local court stating I was served properly, I never was served, now Ive been garnished for over 2 years and continue to have money taken for loans that were taken out in my name, but were never authorized by me! I want this stopped and I am sick of being lied to by this Navient group who passes this around and never takes responsibility for these illegal actions!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure what happened with the first complaint because I never received any updates and when I called with the ID complaint number, my case wasnt found. With that being said, I would like to put in another complaint on Experian and XXXX. They arent complying with my dispute request. I sent them a letter on XX/XX/21. Then, I turned around and sent them a second letter XX/XX/21, because they never responded to my first letter. I sent them a 30day demand and comply and they still havent responded with any signed documents on my behalf. Can you guys please follow up with this for me? 
Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried filing a dispute regarding info on my credit report just last month. I show that in my report I asked all three credit reporting agencies. I have a XXXX XXXX   account not reporting correctly at all- trans union shows past due late payments when it reflects a balance of XXXX. I can not make any payments in an account without a balance. This account needs to be updated removed because there obviously isnt a debt I owe to this company. I feel all three agencies needs to report the same info and/or be corrected. I have an account XXXX XXXX XXXX that was recently removed from transunion report however my equivalent is incorrectly reporting the account as if it is mine. Please correct my credit report this is affecting me trying to acquire a home for me and my child due to incorrect info on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last several months, I have applied for certain financial products in order to obtain new credit cards, personal loans, or vehicle refinancing. I have used either Experian promoted products or products through XXXX XXXX. multiple companies other than those indicated on the XXXX XXXXExperian product page, have contacted me with adverse action letters, although I never requested a loan or services through their agency, as well as them not being identified as on of the affiliated lenders. 

XXXX XXXX also provided false advertisement for the solicitation of credit cards, and then denied my application despite identifying I had excellent odds of approval. This caused unnecessary inquiry and reduced my credit score, causing me to suffer actual financial damage by increasing my interest rates for approved loan products through other sources. 

This matter IS NOT a part of the lawsuit by the Federal Trade Commission, as complaints for that settlement are for a specific timeframe leading up to XX/XX/2022. These loan products were recommended and denied via XXXX XXXX in XX/XX/2022, making it a separate issue not part of the original complaint, so I am not eligible for relief under the FTC 's complaint. XXXX XXXX continues to send preapproved credit offers, and just recently sent on on XX/XX/2022, which shows their continued violation of the false advertising. 



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

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 # XXXX Account Name : XXXX # XXXX XXXX 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: Debt collection

I had a flag show up on my credit report, I called the company immediately asking them about the XXXX repeated marks on my credit report totaling {$8000.00} I asked for a written verification of debt. I gave them my correct mailing address since then I have received no follow up my credit report shows a XXXX point mark and they will not respond to texts, or email, and its been over a month since I requested they furnish proof. The only option on their phone menu is to pay the debt and I have not gotten anyone respond to me at all. I do not believe the stuff is mine I of it theyve given me absolutely nothing. And they threatened to sue me over the phone during the first phone cal when I actually got through
Product: Credit card

Hello, on XX/XX/year> I went into XXXX to purchase some candy canes for my son for XXXX. When I was checking out the lady behind the counter asked if I wanted to use my {$25.00} XXXX reward points towards the purchase. She never informed me that it was a credit card that I was signing up for. She just asked if I wanted to use my {$25.00} reward points so I said yes. It wasnt until after it was complete that she told me my card would arrive in a few days. I was confused and asked what she meant and she explained that Ill get a credit card. I never signed up for this card with my consent and she in fact tricked me into opening the account.