23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I notified this agency that I was a victim of identity theft via certified mail and as of today XX/XX/2024 this agency continues to report information that resulted from the identity theft. Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that information may be the result of identity theft, and that an identity theft report has been filed. I provided them with FTC report number XXXX, XXXX, XXXX as well as a block that had been requested. Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, not later than 4 business days after the date of receipt by such agency of ; 1. ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All four requirements were met by me and will be attached to this complaint. At this time the agency has failed a requirement of the FCRA 15 U.S. Code 1681c2 to block the reporting of the information in my file that I identified as information that resulted from the identity theft, not later than 4 business days after the date of receipt by such agency which is a violation of law and is civilly liable to me for willful noncompliance actual damages sustained by me as a result of this failure under 15 U.S. Code 1681n.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XX/XX/XXXX Trans Union LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, XXXX, Ga. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand that all phone numbers are deleted. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX - XXXX - XXXX Address : XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ga. XXXX Sincerely XXXX XXXX XXXX : copy of State ID and Utility bill showing proof of address
Product: Student loan

I applied for the SAVE repayment plan. For some reason it was only applied to 2 of my 17 loans. I called to get an explanation of why it was not applied to all of my loans ( they are all the same XXXX federal loans ) they told me that it should have been applied to all the loans and to just reapply for the SAVE plan again. So I reapplied and received notification it was denied. I reapplied again and received notification it was cancelled. I called Mohela again and asked why the SAVE plan wasn't being applied to all my loans and again they said it should be and they reapplied for me over the phone and now I am receiving notification that the new application that they did for me is a duplicate. So the SAVE plan is still NOT being applied to all my loans and there is no explanation for why and my monthly payment for the other loans is put on a LEVEL plan that I did not sign up for and can not afford. I can not get an answer from anyone at Mohela about why not all my loans are going towards the SAVE plan.
Product: Debt collection

XXXX XXXX is still at misleading misrepresenting false debts that steam from identity theft charges.XXXX XXXX n written letters stated do n't pay this n that for months issuing checks but now asserts a different position n for charges XXXX  does n't owe the amounts n computer records of XXXX XXXX blacks out n was reported for breaches card thefts unlawful charges n other suspicious allowed activity vs my card n therefore ca n't charge me by retroactively changing its position after they thought the file was closed here I am opening up another one on them.730 $ + u kidding? when who? last time i checked bal XXXX that way it will remain misleading statements by a bank n it 's reps, is serious business .on identity theft relative charges nothing can be held vs me technically so all the debt must be discharged I 've written after the charge list card theft which I never got a replacement I asked XXXX XXXX  stop contacting me in writing it still continues anyhow I should n't have to pay for a card to a Non licensed, debt collector for a bill I have n't not used or ordered, other than cheating n deceit XXXX XXXX  even attempts to erase payments made for months during their computer crash '' breaches which were FTC reported that is which causes even further harm on the aspects of failure to notify non " verified orders were being made by people yet XXXX was being accounted as oweing then not oweing then oweing, XXXX XXXX has confused me yet again which is why Americans  should deal with the customer service part we would n't have mixupslikethis, ivdont owe XXXX XXXX XXXX  anything
Product: Checking or savings account

i open citi bank check account online # XXXX, i deposited my pay roll check of XXXX on XX/XX/2023, 2 days later i lost the access to my account. few days later i received a letter of the bank like the found will be cleared on XX/XX/2023. I try to access the bank account and i saw a block account message. I called the bank and they said i deposit a fraudulent check. i called my boss i told him about the situation and he send me a bank statement like the citibank cleared the check or has the money. i called back to citibank and they said my account will be close because i did a violation to the bank rules. after 2 weeks i received the letter. i called back the citibank and they said the check is a fraud. i call my boss and he said citibank has the money no my bank or me. i went to my boss bank XXXX XXXX and i spoke with XXXX XXXX, she call to citibak fraudulent department and informed the check is good and they have the money. I never received a phone call from citibank during 4 days and i don't have access to my bank account. i called to citibank and they said the founds are freeze. i spoke with the citibank fraudulent department and they said they dont have the money but i have a bank statement with the founds in the account still there. Citibank make me a big damage with this action because i lost my job for this, 2 i reuest a familiar loan to pay my bills, until todays i dont have the money or any aditional notification from citi bank . They are playing with my life. please i need you help on it.
Product: Mortgage

We were a victim of Hurricane Ian. My wife and I took the time to get our damages mitigated to the point where we had help from our church members and family to get all the damages contained and repaired. We received from the flood insurance policy an emergency check for XXXX to help with obtained materials. We now have received our final check from the flood insurance for over XXXX ( total damages over XXXX ). We sent to Truist the check since they were named on the check as a lienholder and they have received as of XX/XX/22. We uploaded all the documentation including the proof of loss and the adjusters work sheet and then requested an inspection, since we were 95 % done with the repairs. Inspection requested on XX/XX/22. Truist did not send to their third party vendor until XX/XX/22. Since our repairs are over 95 % complete, we asked for an expedited inspection since we were that far along. To date, no inspection has been set up so that the inspection can be done to verify the repairs are completed. We have used our credit cards to pay for all the materials, labor and other items related to these damages. and now we will have to pay interest charges on our credit cards due to the delay with Truist Bank 's continual delays in the inspection process. This is not the first time we had to call on CFPB since we had an incident with them several months back related to our Escrow account. I would not bank with Truist if we had another choice in our area, but they have all the banking in our area. Can CFPB get in touch with Truist and get an answer why the current delays?
Product: Debt collection

Omnipoint Solutions contacted my mom and attempted to get information about my mortgage and if my mom was a co-signer. She is XXXX XXXX XXXX so she believed that the person calling was trying to seize my property. This may be over a {$1500.00} debt not related to my mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to formally resubmit my complaint to SHEFFIELD FINANCIAL regarding the inaccuracies present on my credit report, and to express my dissatisfaction with the lack of action taken to remove these inaccuracies. The data reported on my credit file is neither verifiable nor substantiated by proper documentation. I believe that these items are not compliant with the Fair Credit Reporting Act ( FCRA ) or the Fair and Accurate Credit Transactions Act ( FACTA ), and I request that they be investigated and removed promptly. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX. My date of birth is XX/XX/year>. The associated FTC complaint report number for this issue is XXXX. I have identified potentially inaccurate and unverified inquiries and accounts on my credit file that lack my authorization. These items appear to violate provisions of the FCRA, specifically Section 609 ( 15 U.S.C. 1681g ), which requires that credit reporting agencies provide accurate and verifiable information. Additionally, these items may be in violation of FACTA, Title 1, Section 151, which mandates the proper authorization and verification of all information reported. As a consumer, I am asserting my rights under both federal and state consumer protection laws to ensure that inaccurate or unverified information is promptly removed from my credit report. This letter serves as a formal dispute of the information reported and a request for an immediate compliance check in accordance with the FCRA and FACTA. Thank you for your prompt attention to this matter. I expect a response within the timeframe required by law and anticipate that the inaccuracies will be addressed accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have item that on my credit report and i unable to upload the FTC report on experian credit file im getting a error messages on there end and im need some assitance and cant get hold of experian i have one fraudlent account that on my credit file i need to remove and blocked which is XXXX   XXXX and im uploading a FTC report to send off to the experian.
Product: Mortgage

During the Great Recession, like so many Americans, I financially struggled to pay my mortgage and faced foreclosure. I also had health issues and was diagnosed with XXXX XXXX. Making every attempt to keep my home I contacted the mortgage company, XXXX  XXXX  XXXX, for mortgage assistance options. 

As I worked to follow Aurora Loan Services ' instructions, which were often misleading, confusing and untimely, my account incurred fees which were never waived as promised. The deferred fees were transferred with my account when it was sold to Nationstar Mortgage and now total approximately {$1400.00}. 

XX/XX/2019, I suffered a XXXX XXXX exacerbation that rendered me unable to work. My health has forced me to apply for XXXX and I contracted XXXX XXXX which created even more challenges. I am now seeking mortgage assistance on two mortgages with Mr. Cooper. One modification has been denied twice and is currently pending after Mr. Cooper ordered a property valuation that was my financial responsibility. The other mortgage that was sold to Nationstar is under forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : In XX/XX/2021, I traded in my vehicle financed by XXXX  XXXX  and closed the account with a {$0.00} balance. Recently, I pulled my credit reports and I see that TransUnion is still reporting the account as Open with a balance and monthly payment. This error is affecting my debt-to-income ratio and is preventing me from loan approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX and I have been fighting several medical collections listed on my credit file that I don't believe are mine. They are listing dates of service from this year, last year and in 2016. I haven't been to any type of medical facility in over 3 years. I have disputed with the bureaus to no avail. I don't know where else to turn.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we need to eliminate any inaccurate accounts from my credit report. Could you check the documents? Some of the listed accounts have inaccuracies in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX My information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items listed below deleted from my credit reports effective immediately. I am attaching my claim # XXXX for proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done NOTHING. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

L J ROSS ASSOC is reporting on my credit. they have violated the fair debt collection practices act by not providing me with information to identify whether the debt is in fact mine or the opportunity to dispute it.
Product: Debt collection

I have been receiving phone calls from various numbers associated with Portfolio Recovery for over two years now. They rarely leave a message and I have never received anything in writing stating what debt it is that I owe. They will also call XXXX or 5 times back to back and outside of the allowed times
Product: Mortgage

Our residential mortgage balance ( with no extra principal payments ) has reached the 78 % threshold as outlined in HPA. Bank of America is refusing to drop our PMI claiming that New York Law has a 75 % threshold. The HPA supercedes New York Law as far as I can tell.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a collection from the XXXX XXXX XXXX for a check in the amount of XXXX. This is past the state of limitations Tennessee Code 39-14-121.This is from 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I realized I have a fraudulent hard Inquiry from Synchrony Financial. I contact them by phone, by mail, I complained I they havent removed this fraudulent hard inquiry from my credit report. XXXX   XX/XX/2019
Product: Credit card or prepaid card

I make my credit card payment on the due date every month, which I always take a screenshot of, and I still am charged a late fee that has gone up several dollars over the last few months. When I called to find out why this was happening, I was told that the payment had to be made by XXXX Central time ... ... WHAT?!?!? Oh but, if I payed by phone it was a different time, and if I went directly to the store, it was a different time as well. What the heck?!?! Really???? Ive NEVER had this issue paying my bills on the due date! And then their customer service agent told me I was redicilous for making a payment without actually looking at my statement ... ... .... since when does a due date actually have a time limit??
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the FCRA the following companies have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that. 

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

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have a collection for XXXX from XXXX XXXX XXXX. I 've never heard or have done any business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I STILL SEE REMARKS ON MY TRANSUNION CREDIT REPORT ON XXXX XXXX. REMOVE ALL REMARKS.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a payment on my account of {$1400.00} to bring the balance to XXXX. The next day, when I checked my account, I could not see that the payment had posted and my due date was that day, so I wanted to make sure it was paid. I tried to create a new payment, this time for {$1300.00}, but received an error message telling me I was trying to create a duplicate payment. On XX/XX/XXXX, I received notice from my bank that the company had attempted to process an " Auto-Pay '' transaction in the amount of {$47.00} to an old account that I have closed. I believe I may have given them the wrong account information when I set up the Auto-Pay, but the Auto-Pay should not have been processed at all because the card had already been paid in full. On XX/XX/XXXX, I received notice from my bank that the company had attempted to process the {$1300.00} payment, but it was rejected because I did not have sufficient funds in that account at the time. I am glad it was rejected, because according to the company 's statements, that payment would have brought my current balance to negative. The company 's system never should have allowed me to create a payment that would take my account into the negative. Over the weekend, I received several emails from a company advising they were unable to charge my approximately {$350.00} purchase to that card. On XX/XX/XXXX, I called the company to discuss the issue. The account statement viewable on their website currently shows my Total Credit Limit ( " TCL '' ) at {$1500.00}, my Current Balance ( " CB '' ) at - {$1200.00}, my Pending Charges ( " PC '' ) at {$1300.00}, and my Available Credit Limit ( " ACL '' ) ( defined as TCL - CB - PC ) as {$140.00}. They informed me that the reason my ACL was {$140.00} was because they had placed a payment hold on my account for the {$1300.00} payment to ensure  that the payment was credited. Despite several attempts, and speaking to a supervisor, the company refused to do any of the following : 1 ) remove the payment hold for the payment that should not have been allowed and is not going to be paid ; 2 ) change my ACL to accurately account for the negative value of my CB ; or 3 ) increase my credit limit so that I can use the card to a reasonable extent while their labyrinthine system processes the entire issue. The supervisor with whom I spoke refused to acknowledge that the system treats any negative CB as XXXX for the purposes of calculating ACL, but explained that having a negative CB would not increase my ACL because the company does not want to process single payments that exceed the TCL.