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

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where the Credit Bureaus received such information, so I may take appropriate legal action. I have read enough regarding the FCRA section 605b and understood that the Credit Bureaus are required to remove the disputed items from my XXXX XXXX after XXXX business days from the date of receipt. Below is the list of the fraudulent items I found on my XXXX report : XXXX XXXX XXXX, XXXX, LA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I asked Transunion to investigate and remove Incorrect negative information being reported to my credit profile. They delayed the process as much as possible before i realized they hadn't actually performed the investigative efforts required by federal consumer laws. their negligence is aiding in my financial hardships and causing me much stress and XXXX Thus the reason i have filed this complaint.
Product: Checking or savings account

On XXXX XXXX, 2022, I received a call from the bank stating there were fraudulent charges on my account they sent me emails from the bank for verification. The bank said they fixed the account. The next day my account was on hold and my money was gone. {$1800.00}, was wired to someone in Florida. The bank to file a claim and contact fraud department. I did just that. No response from anyone. I contacted the bank daily and went to the bank to get updates weekly. No one could tell me anything. On XX/XX/XXXX I contacted the fraud department and I found out my case was given to a whole new case worker without my knowledge. I was told that my money would not be returned and I would need to file a police report. The bank says I should have known that the person that called me on XXXX XXXX was not actually from the bank even though the caller ID matched the bank when they called, even though they sent me emails from the bank verifying it was them I was talking to. I filed the police report # XXXX. The police are investigating. Please help, I am facing eviction due to this set back. The {$1800.00} they stole was for my rent.
Product: Debt collection

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claim that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I closed my account with Self Financial Inc, Lead Bank as the FDIC bank. A refunded deposit within 10-14 days of closing was to be returned to me on XX/XX/XXXX. On XX/XX/XXXX I received an email that I would need to verify my identity. I sent in the documents requested ( Drivers License, Banking Statements, Debit Card Photo and Social Security Card Photo ). 
Immediately I received an email stating my identity could not be verified and they would be putting my money on hold. I Messaged through the app, called and emailed. They would not give me any information on the issue. When requesting to speak with a supervisor I was informed there was NO back office person I could speak with. I filed a complaint with the XXXX and that's when a " Manager '' called but left a brief and vague voicemail with NO contact information. I received a call XX/XX/XXXX from the same manger and was able to speak with her. She informed me that there was nothing she could do. I informed her that I would be escalating the situation with a Lawyer as well as filing complaints with the proper institutions to alert them of this behavior. At that time she informed me she would reach out to the correct department and see if she could escalate the return of my funds to me. They also flagged my account for Fraud once I started emailing for more information and say they have NO timeframe in which I can have my money Nor will they tell me for what reasons or how to resolve the issue. I only want the {$820.00} returned to me. Upon checking XXXX and more review sites, I have noticed that in the past couple months this has been a common occurrence with this happening over and over. If there is a class action lawsuit I would love to be involved. I am beginning to wonder if Lead Bank has the funds to return all the money from these closed accounts. A company changing rules as they go just before refunds are to be processed with no one to contact for help is not ok. 
I recently reached out to a Lawyer to begin the process of getting the money owed to me returned.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


And according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

Experian refuses to remove and correct incorrect information on my credit report. They are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unsuccessful multiple attempts to lift a freeze with Experian using telephonic or website approach. There appears to be no " live '' personnel to answer the phone or lend a hand. I need to lift the freeze for an opportunity to obtain an FHA mortgage product. All of the requested identifiers were presented by either phone or internet. Experian refuses to lift the freeze on my credit and insists on a written request and mail delivery of neat copies of various cards and documents including social security card etc. This is unreasonable and interferes with my proceeding with a financial opportunity and can cause monetary damage to me.
Product: Credit reporting or other personal consumer reports

Police report was file on my behalf and need updated information listed but no help with all 3 beau.
Product: Mortgage

RE ; FAY SERVICING - LOAN # XXXXplease help me!!!! Fay Servicing has been giving me misleading information regarding the application for a HAFA Short Sale to avoid foreclosure. 
Now after XXXX months since i applied for a loan workout when my loan was still with XXXX XXXX XXXX and somehow the loan was transfer to Fay Servicing after i request for a copy of the original loan documents. 
FAy Servicing has been manipulating my review, i have provided every single document requested by XXXX XXXX. Which she advise me that she will no longer speak to me over the phone becuase i havent paid my mortgage. 
I called numerous times to get a manager and they keep disconnecting my calls. 
Fay Servicing has set a sale date for my property for XX/XX/2015 and even though the previous offer that i submitted to Fay Servicing backed out. I was able to get another offer which it was submitted to Fay Servicing since XX/XX/2015 with all the required documents. 

So far no response from any one. 


Please help me!!!! 

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

Equifax stated XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX XXXXXXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last activity is inaccurate, and the date last reported is not accurate, high balance inaccurate, last verified inaccurate, closed date inaccurate. This is grounds for removal. THE FCRA LAW STATE EVERYTHING HAS TO BE 100 % ACCURATE OR THE ACCOUNT HAS TO BE REMOVED. EQUIFAX HAS NOT CONDUCTED A PROPER INVESTIGATION BECAUSE THERE ARE INACCURATE ACCOUNTS ON MY CREDIT REPORT. Equifax ( PERSON ) has violated MY CONSUMER RIGHTS UNDER 15 U.S. Code 1681b ( a ) ( 2 ). I the consumer never gave my written permission to Equifax the person to furnish anything on my consumer report. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EQUIFAX HAS ALSO NOT FURNISHED THE ACCOUNTS ACCURATELY ACCORDING TO METRO 2 COMPLIANCE STANDARDS. SEE ATTACHED LETTER.
Product: Checking or savings account

Suntrust closed my bank account. I only found out after I tried to activate a debit card. I spoke with 3 representatives over the phone, and one via their chat option. I was simply told that the account was closed due to suspicion of fraud. 

I applied and opened the account on WednesdayXX/XX/XXXX at XXXX XXXX. 
I called 2 days later to confirm that by opening deposit had made it to the account, but was told not yet. 
I called again on Monday the XX/XX/XXXX and was told the funds did reach the account. 
I received the debit card in the mail on Tuesday the XX/XX/XXXX. 
When I called to activate the debit card, I was told the account was closed due to suspected fraud. 

At no time did anyone try to reach me via phone or email to warn me that the account was compromised or under review for suspicion of fraud. 

The account is closed and I do not have access to my money.
Product: Debt collection

This company continues to call from XXXX phone numbers threatening that if I do not give information to their agent I will face legal repercussions. 

The debt this company claims to own is XXXX years old, and outside the statute of limitations for the state of Oregon. 

Yet this company continues to report the falsified debt which includes a contract that was forged and does not include all the parties responsible for the debt. 

This company is harassing me by phone and mail. furnishing fake contracts and fake amounts of debt.
Product: Student loan

MOHELA is my loan processor currently. My payments are due the XXXX of the month. I get paid the first of the month and always pay when I get paid. I got notice today that my XXXX payment is late. My bank processed payment on XXXX This will affect my forgiveness count ( this is my last payment for my XXXX year total ) as well as my credit. I have not been late in paying my student loans for the past XXXX years.
Product: Credit card

After I partially paid my " total balance '' of Americal Express credit card, the total amount decreased instantaneously to the payment amount. Screenshots were taken before the payment and after. There were no pending transactions. XXXX weeks later, the total reflected balance did not match the sum of the remaining balance and all posted transactions and also does not match as of the day of this complaint. I requested the account audit twice ; however, my requests were not fulfilled, and instead, customer service representatives created a dispute about my partial payment and started an investigation, which I asked to close since I had never requested it. Also, during the call, I was told that I have open " pay over time '' plans ; I declined, referring to screenshots confirming that all plans were paid off, as well as while checking open plans during the call, none were open. XXXX days later, I received a phone call from American Express confirming that they had a glitch in the system and that I did not have any open plans. 
In conclusion, when I requested to freeze my account until the audit was completed, I was advised to pay the amount to avoid additional fees and the debt-collecting process. In addition, the customer service representatives confirmed that they automatically record all phone calls without the consent of customers ; however, they referred to the internal rules and refused to name the policy, refused to provide a phone call recording, and stated that does not give consent to be recorded. 

All account amounts advertised/reflected on the website or application should be true, transparent, not misleading, and easily verified. If the total balance instantly changes after payment, then all transactions made later, except pending, should be reflected in the total balance. The total balance amount can not exceed the sum of all transactions ( credits and debits ). I would like to receive all transactions audit logs by calendar year starting from the date when the account was opened.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX. 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 an 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX Account XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX & XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

i gotten a loan from world finance corporation in XX/XX/XXXX, not knowing what was the interest rates laws in texas. i recently found out after XXXX XXXX XXXX sent me a copy of the application ( bond ) stating that the APR was 30.5 % ( 13.5 % over Texas Usury law of 18 % .which is a violation of Texas State Laws on Usury Violations Texas Finance Code Chapter 305 Civil Penalties : If a creditor charges more than the allowable interest rate ( e.g., above the 18 % limit in the Texas Credit Letter ), the borrower can recover the greater of : Three times the amount of interest ( 13.5 % ) charged above the legal rate = 40.5 % {$2000.00} or 20 % of the principal amount, whichever is less Attorneys Fees : If the borrower successfully brings a case for usury, the lender may also be liable for reasonable attorneys fees ( Texas Finance Code 305.005 ). 
Criminal Penalties ( Tex. Fin. Code 305.008 ) Usury is a misdemeanor in Texas. Each offense can result in : A fine of up to {$1000.00}. 
In cases of willful or repeated violations, the lender may also face additional legal action or further penalties imposed by the Texas Office of Consumer Credit Commissioner ( OCCC ). 
Lender 's Liability : If found guilty, all interest already paid by the borrower on the usurious loan must be forfeited or refunded. The loan agreement may be rendered partially or entirely unenforceable, depending on the severity of the violation Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. 

The TILA mandates clear and accurate disclosure of all loan terms, including APR. A lender who fails to disclose the true APR or charges excessive interest could face : Civil penalties and liability for actual and statutory damages. 
Borrowers can sue for twice the amount of finance charges ( {$910.00} ) in cases of non-compliance with TILA. 
Consumer Financial Protection Bureau ( CFPB ) Oversight : The CFPB has the authority to investigate and bring enforcement actions against lenders who engage in unfair, deceptive, or abusive acts and practices ( UDAAP ), including the imposition of excessive interest rates. 
A federal complaint can also be filed with the CFPB for improper or usurious lending practices. 
Racketeer Influenced and Corrupt Organizations ( RICO ) Act 18 U.S.C. 1961 et seq. : In extreme cases, if a lender engages in a pattern of usurious lending practices, the conduct may fall under RICO. This can expose the lender to civil lawsuits, fines, and criminal penalties.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested Experian, XXXX and XXXX to remove items from my credit report because I never provided permission for any information on my credit report. They have not provided documentation to confirm my approval to use any information. Instead of providing the consent I sent to them, XXXX sent me a message stating I did not send the letter I provided. I have not heard from Experian or XXXX as of today.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX mortgage ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should because I was never late
Product: Mortgage

In XX/XX/XXXX Caliber Home Loans sent a loan modification offer to an unknown address in a different state than I live. Please provide documentation showing who requested the documents to be sent to a different address? The offer was not sent to my address, my representing attorney or to the mediator named in Foreclosure Mediation Notice sent to XXXX / Caliber on XX/XX/XXXX by the State of Washington XXXX. I was n't made aware of the offer until mediation on XX/XX/XXXX after the offer was expired. At mediation Caliber stated they would re-instate the offer once they received a Quit Claim Deed and another completed loss mitigation application. I complied with their requests on XX/XX/XXXX, they were sent several completed applications and the counties recorded Quit Claim Deed on XX/XX/XXXX and multiple times since then per their request. 
They sent me XXXX denials for modification. Why was I eligible for a loan modification in XX/XX/XXXX but am not now? What criteria was used in the determination in XX/XX/XXXX that is different from the criteria used in XXXX & XXXX? Please provide written documentation of the criteria used in the determination in XX/XX/XXXX and again on XX/XX/XXXX. 
At the XXXX mediation XX/XX/XXXX I was told the investor guidelines wo n't allow Caliber to offer a loan modification because I have too much equity in my home and I can afford the payment. Which is true now that my lengthy ( 1 1/2 years ) divorce is over and I have been awarded my home, I can make the payment given the opportunity to do so, but Caliber & their Investor wo n't allow it. 
Why ca n't they put the delinquent amounts on the end of the loan and allow me to pay an additional $ XXXX {$300.00} a month on top of my regular payment to help pay the past due amounts? 
Any question I ask Caliber regarding the modification or denial is always " the investor guidelines do n't allow it ''. What does the investor guidelines allow? It is apparent the investor and/or Caliber has no interest in working with clients, they are not acting in good faith and they do not offer a fair review process as required by law.