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

My identity has been compromised and the aftermath of this is the following unauthorized accounts inwhich is reporting on my credit file needs to be blocked and removed immediately unless the major reporting credit bureaus could provide me with physical documentation, id and signature of mines in relations to this unauthorized fraudulent accounts. Please remove the following accounts.

1 ) XXXX/ XXXX XXXX 2 ) US Dept of Education {$3100.00} 3 ) US Dept of Education {$1700.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX
Product: Mortgage

I purchased a home XX/XX/2019, flood insurance was not required. Now the mortgage company Umpqua is requiring flood insurance. I contact a flood company and they say it is not required. I sent ( XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ) the FEMA LOMA which classifies the property as zone c, not required. They have now added {$4800.00} in flood to my escrow account bring the balance negative. 

Please help me, I am fearful of loosing my home.
Product: Vehicle loan or lease

Loan began on XX/XX/XXXX {$19000.00} and as of last payment on XX/XX/XXXX balance is {$4500.00}. I filed a XXXX XXXX Bankruptcy in XXXX and it has been discharged. I recently pulled my credit report and noticed that my finance company is not on my credit report displaying my credit history for the loan of the car. During the Bankruptcy period I still made monthly payments. I reached out to GM Financial, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, to ask why they was not reporting the information. They stated that once you file Bankruptcy they no longer report. I explained that monthly payments are being made and should be reported. My credit score has dropped drastically in the last month and I need for those payments to be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen and used my credit identity to apply for credit and get accounts in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank You, The company in question is Experian. I have nearly a 100 point difference in credit score due to their faulty standards. My XXXX score is XXXX while the Experian sits at XXXX. It is a XXXX shoot which company providing credit uses as to whether I am approved or not! The biggest problem is an item named XXXX. This is NOT my account! It clearly states date opened of XXXX 2020. If you review my accounts, it is NOT there! I have not missed ANY payments in 5 years! As you will see all say exceptional! It is {$490.00} from XX/XX/2020. NOT MINE! acct number XXXXxxx of which experian has the rest! I have tried to challenge it on the web, to no avail! I then called, waited nearly 15 minutes, was told I would be transferred, then HUNG UP ON! This is INSANITY! I don't have this problem with XXXX or XXXX! How can you have a credit score of XXXX and NO late payments for 5 years???? Both XXXX and XXXX are far and above very much higher!!! As you will plainly see, all accounts showing as of the last five years show exceptional!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 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 or other personal consumer reports

XXXX XXXX XXXX is reporting on my credit profile for the name of XXXX XXXX who is not me. My name is XXXX XXXX, I have not gone by any other names. I am a victim of identity theft and ask that you guys please remove it from my profile
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX.Account XXXX, Date Opened XX/XX/2023. XXXX, Account XXXX, Date Opened XX/XX/2023. I have included attachments and laws to show how these accounts are violating the law. Please review laws and attachments of the errors. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$980.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

CAVALRY PORTFOLIO SE has been sending me collection notices in the amount of {$6200.00} XXXX XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This Company does not have a contract with my signature.
Product: Debt collection

The collection agency, XXXX contacted my father requesting information from him. This is after the debt was disputed and no other communication existed. 

the name of the collection agent is XXXX, located at XXXX XXXX XXXX, NY XXXX. I disputed this debt several months ago and now they are contacting my father and harrassing him.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX Experian XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, XXXX XXXX XXXX XXXX XXXX ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in XXXX  and by refusing to adequately investigate consumer disputes regarding the status of XXXX accounts. 
I have requested that all NON CREDITORS, XXXX XXXX, and DEBT XXXX provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, XXXX XXXX, and DEBT XXXX & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, XXXX XXXX, and DEBT XXXX ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have XXXX  days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within XXXX days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and XXXX per violation.
Product: Student loan

In XX/XX/XXXX when submitting my Employment Certification to verify my eligible employment status for PSLF for the year XX/XX/XXXX-XX/XX/XXXX, it was denied because my account was apparently in " paid ahead '' status, which rendered the payments I did make in that year ineligible for PSLF. This was not an error on my end, this was an error on MyFedLoan 's end, verified by their employee when looking at my account. I was told that they fixed the paid ahead status on their end, but that I would need to have my previous years payments put under audit, to get that year approved. That was XX/XX/XXXX,  and I have yet to have this audit processed. I have called MyFedLoan on XX/XX/XXXX ( spoke with EID XXXX ), XX/XX/XXXX ( spoke with EID XXXX ), XX/XX/XXXX ( spoke with EID XXXX ), and XX/XX/XXXX (  spoke with EID XXXX ), and no further updates are able to be provided, other than it has still yet to be processed. When I ask how long in their experience I can expect this to take, I get estimates from 12 months to 5 years.
Product: Credit reporting or other personal consumer reports

THIS IS MY 2ND TIME SENDING OUT THIS COMPLAINT REGARDING THIS LATE PAYMENT APPEARING ON MY REPORT WHEN IT SHOULD HAVE NOT BEEN, FAMILYCHOI XXXX I HAVE NEVER BEEN LATE WITH PAYMENT ON THIS ACCOUNT AND I DEMAND MY REPORT TO BE UPDATED AND REMOVE THE NEGATIVE TAGGING ON MY REPORT. THIS IS A VIOLATION OF MY RIGHT Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
Product: Mortgage

I am attempting to get an FHA home loan. The process has now been held up for a month because they are questioning one cash deposit that I made into my checking account. I've provided all the documentation showing where the cash came from and it is a small amount. All my documentation meets the standards that are listed in the FHA requirements. 

They are refusing to approve or deny, or tell me what the issue is so that I can provide documentation. Because of this, I can't move forward with my loan and I can't get my escrow deposit back. My family and I will be homeless in less than a week solely due to them refusing to make a decision one way or another over a {$2000.00} deposit.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ) XXXX XXXX number XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX, Used XX/XX/XXXX XXXX
Product: Debt collection

ive asked FAIR COLLECTIONS & OUTSOURCING to validate this alleged debt and that have not been able to do so as well as ive sent them a cease and desist. They are absolutely violating the 15 USC 1692c ( c ) Ceasing communication - by reporting to my credit report they are attempting to communicate with me indirectly to get me to pay the alleged debt that they can not validate.
Product: Debt collection

I have XXXX at the time of this medical service and my XXXX was fully responsible for paying the medical bill. I had XXXX at the time for me and my XXXX kids as a single dad when I lost my job in 2012. The medical provider failed to file claimed with XXXX even after I provided my XXXX information at the time of service. This is wrongful collection attempt that has significantly affected my credit and I would ask that the collection be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly on the XXXXT partial account number XXXX. ( Please see page attached from my credit report. ) I do not now, nor in the past, have ever had a XXXX XXXX credit card. This account is reporting in error and needs to be removed from my credit report. I have also attached a copy of the Identity Theft Report I filed with the Federal Trade Commission. I have not applied for, nor ever given permission to anyone to open this credit card. This incorrect reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I lost my job and requested options regarding mortgage. BSI offered a forbearance but failed to explain that full amount of payments would be due at conclusion. I planned to resume payments XX/XX/XXXX. BSI started foreclosure upon completion and simultaneously set sheriffs sale. I received assistance from a HUD certified XXXX and applied for HUD partial claim and which was approved. BSI sent partial claim paperwork, I executed and returned within deadline of XX/XX/XXXX. On XX/XX/XXXX at approximately XXXX XXXX, BSI called and informed me that HUD denied my partial claim and that my only options were to cure delinquency in full or sell property before sheriff sale on XX/XX/XXXX. No formal denial letter has been provided.
Product: Mortgage

Flagstar Bank is the company that acquired my mortgage. My home insurance was due. They did not pay it, so it lapsed. They did not make the payment for several days, even after I spoke with them. I was told by two separate people one being a manager, that I was current on my payment, which i was not. I requested from the supervisor. I wanted a refund for the days that the insurance had lapsed. I wanted to speak with someone over the supervisor that I was speaking with, I wanted the transaction information for the paid insurance bill. I wanted the information to your company or the other company that handles bank issues. I received nothing of that. I got a call saying I am current on my insurance payment and everything was handled. This is such gross incompetency on this companies part. The sad part is that I just refinanced for for a low rate. The rates have went up and it makes no sense for me to refinance again. I have excellent credit. if I knew this was going to happen, I could have paid myself. I want a refund. I want to know how this type of situation is usually handled. I also want to know if I have to do business with these people what are they going to do to prevent any further problems. I women initially called about the reference number that I requested. I had to call her back and let her know all of my concerns. She called back saying she heard one recording of what I was told. She also said they are in the wrong. However, she did not do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted over the course of 4 years to correct this issue with my credit file. The issue is primarily with Equifax but has been an issue with the other two. There are security questions that allow you to view your report. On these forms are questions about lines of credit, loans, retail cards and bank cards I have never owned. I am, because I have n't the answers to these questions, not allowed to see my report or to properly dispute this information. 

These items are as follows : Mortgage loan XXXX XXXX Home equity line of credit - XXXX XXXX Retail card - XXXX XXXX Retail card - XXXX XXXX Auto loan lease XXXX XXXX Installment Account XXXX XXXX Student Loan - XXXX XXXX If these items are what they seem like, then I have not only been kept from my file, I have also been kept from protecting myself from fraud and I.D . theft. 

Any help would be greatly appreciated.
Product: Checking or savings account

i opened an account with citizens bank due to an advertisement that stated i would receive XXXX for each checking account that was opened if qualifications were met, ( deposit amounts and direct deposit etc. ). I met qualifications and was supposed to receive XXXX for each checking account. I confirmed twice that i was supposed to receive these funds ( screen shots attached ). I have spoken to several people, including a branch manager in Delaware, named XXXX. She promised she would get back to me about the issue. I sent her the screen shots where i was promised the XXXX per account. Ive left her voicemails but she has yet to respond. It has been months. I want the XXXX per checking account I opened. I was promised these amounts and moved my money over to citizens bank on the assumption they would make good on their promise.
Product: Checking or savings account

On XX/XX/XXXX I was alerted there were fraudulent withdrawals from my savings accounts dating back to XX/XX/XXXX. As soon as I discovered the fraudulent charges I reported them to Chase fraud department and went into a physical branch to move the money out of my account. 

All of the fraudulent withdrawals are from a XXXX account that I did not recognize. 

The following fraudulent charges are below : XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX VA WEB ID : XXXX ACH debit - {$5.00} XX/XX/XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$20.00} XX/XX/XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$41.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$5.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$10.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$10.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$10.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$5.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$72.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$72.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$10.00} XX/XX/XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$3.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$7.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$11.00} XX/XX/XXXX XXXX TRANSFER PPD ID : XXXX ACH credit {$11.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX WEB ID : XXXXXXXX XXXX  debit. $ XXXX After reporting this fraud I was told by XXXX that they have a 60 day policy on fraudulent charges that begins at the first point of fraud instead of the first point of report. Therefore I could only recover the transactions from XXXX in the amount of {$7.00}. This policy was only explained to me after my 4th or 5th interaction with Chase. There was no understanding that savings accounts are checked less frequently than checking accounts.

I also noted that Chase reversed the XXXX XX/XX/XXXX credit for {$11.00} even though this was well past the 60 days of initial fraud. I found this to be an unfair practice and policy.
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. XXXX is reporting 1 inaccurate late payments for the XXXX XXXX XXXXccount ending in XXXX. These include a 30 day late payment posted in XX/XX/2019. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in XXXX violating my federally protected consumer rights. To add to this, I did NOT give XXXX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit card or prepaid card

Care Credit/ Synchrony bank charges inappropriate interest on accounts. Additionally they charge a late fee at XXXXXXXX XXXX on the day your bill is due ( most places give a 7-10 day window ) any fees incurred get interest charges. They inappropriately advertise 0 % financing for purchases and then stack on additional fees so when paying your bill you cant ever get the promotional balance paid- then they are able to back charge all Internest. I have tried to track all promotional purchases made with my card and was additionally being charged for a card protection I did not want. That also accumulates interest. I have had multiple calls to them, some of the interest has been resolved but they still couldnt tell me where the XXXX balance came From that was accumulating interest. I have filed XXXX complaint to no resolution. This started in XXXX and I am still not Happy with the resolution. They will not provide any definitive answers. I believe they are fraudulently charging interest to consumers for Profit.
Product: Checking or savings account

Jp morgan chase is perfect. They lead the banking world. So smart. Their automated calls and emails have to go. It would cut down on phone calls.