23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

First National Bank of Omaha is continuing to report a debt that was placed on my XXXX report around XX/XX/2018 that is not a mine, rather a debt caused by identity thief. This company has ignored a police report, affidavit and a report from identitythief.gov which is recognized by other financial institutions and credit bureaus as a legal and substantial document. On XX/XX/2018, the company sent a response about holding me responsible, however, they followed up with another correspondence dated XX/XX/2018, stating they needed to do additional research, which they have failed to follow up any additional correspondence as well. Furthermore, First National Bank of Omaha has not supplied the legally requested disclosure of the application with my signature that was used to open this account, that they are legally required to disclose if asked, as well fully knowing under several laws/statues under the Fair Credit Act that if this proof can not be disclosed they have to remove any negative reporting information from my credit bureaus, in particular, XXXX   and any responsibility to the debt. Either they dont know the laws or neither care about following them, possibly dont have the document, or realize they have made an error ; however, they are legally required to produce and disclose this application/document with signature if requested. This financial institution has conducted itself in a somewhat Mafia-style Shake Down to get me to pay these monies that I do not owe to remove this fraudulent trade from my XXXX report, its been unbelievable. Please help!
Product: Student loan

During my time with Navient which I believe took over Sallie Mae, I was constantly taken in circles from 2002 and on. At one point my loans were consolidated after I agreed because my loan payment was going to be affordable. Which it was not. In addition, during the life of my loans I would call and attempt to get in a payment plan that was affordable to my living situation. I would call asking to be entered into this plan by giving my information and income, I would be quoted a number, they would put my plan in deferment or forbearance, pending my paperwork. I would submit all necessary information and upon time for my payment, it would be most often triple or quadruple what I was quoted. I would call and again ask for help and again the process would start over. Every time period in-between my account is collecting interest. My amount of my current loan is thousands and thousands of dollars more than what I even started with due to this deception. They never had any intention of finding an appropriate plan I feel.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. 
15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject 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.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time XXXX emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies s.a. previous addresses, employers, and Aliases. For another fee, I could look at the information held by XXXX, and XXXX. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the Credit Agencies mis-state my information, the charge me to fix it. My issue is im being represented by over XXXX names there is no way I can be XXXX people and they have yet updated my information which is against my rights and violate at lease FCRA laws. My other issuse is I have over XXXX telephone numbers that i have never seen before being reported my only number ends in XXXX. My only address beings with XXXX I will attach proof of the only XXXX spelling of my name that represent me and not imposters. If all of this information is wrong and being reported to misrepresent me that goes to show you how inaccuraute the system that is supposed to protect the people is, I deserve to be represented correctly as XXXX am not affilited with employers I have never heard of I have tax returns to prove it. Remove
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I just received again a foreclosure notice from  XXXX   XXXX ,  XXXX  today  XXXX   XXXX ,  XXXX . The Trustee has scheduled the foreclosure sale for  XXXX   XXXX ,  XXXX .     On  XXXX   XXXX ,  XXXX , I called my dedicated loan specialist,  XXXX   XXXX  to check on the status of my HAMP Loan Modification I applied for in  XXXX . She returned my call but left me a message with her phone number which I already have and another phone number. She did not address the message I left for her on her voice mail.     In  XXXX  of  XXXX  she told me that my  HAMP Loan Modification with Nationstar is over because The HAMP Loan Modification Program deadline w as  XXXX   XXXX ,  XXXX . I disputed her claim because the program deadline did not apply to me as I have already applied for the modification in  XXXX . I also told her the deadline was for those who were yet to apply for the program. So, Nationanstar has unilaterally resolved to stop the process to modify my loan and closed the  HAMP Loan  Modification I applied for in  XXXX . According to the  HAMP Loan Modification Program guidelines Nationstar can not just unilaterally res olve the loan modification and sweep it under the rug ; it has to be bilaterally resolved. Their decisions were based on botched modifications and out right refusal to modify the loan. They never made any conscientious effort to modify the loan. Their main objective is simply to foreclose. Since they took charge of my loan modification almost six years ago they have been giving me the runaround, asked for the same documents over and over again and never utilized them to modify the loan. Also, they have engaged in lies and deceptions. They have been playing hardball with me over and over again ever since.     The  XXXX   XXXX   XXXX , said that a copy of the advertisement of the sale published in  XXXX   XXXX   XXXX  is enclosed in this letter and that is not true.
Product: Prepaid card

I have received several American Express prepaid gift cards as a bonus from my employer. I have used the cards successfully in the past at many online stores including XXXX, as well as in my XXXX XXXXXXXX XXXX 

A few months ago, the cards started getting declined everywhere. I have tried multiple stores where I have shopped previously, including XXXX who called me and were not able to get the card to go through. 

I get an error when I try to use the card in my XXXX XXXX account as well, when it worked previously. 

I still have XXXX XXXX XXXX  remaining on the cards and have not been successful in using the balance. The cards are digital gift cards, so I do not have a physical card I can use in stores.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern and dissatisfaction with the attempts to rectify fraudulent items on my credit file. Despite multiple efforts, I have not seen a successful resolution, and these fraudulent entries continue to impact my credit negatively.

I have diligently followed the dispute procedures outlined by your agency, submitting all required documentation to substantiate my claims. Despite these efforts, the fraudulent items persist on my credit file, causing undue stress and hindering my financial opportunities.

I understand the importance of maintaining accurate credit information and the role of your agency in ensuring the integrity of credit reports. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies promptly.

I request a thorough reexamination of my case and a swift resolution to remove these fraudulent items from my credit file. I have attached supporting documentation for your reference. 

I expect a written response within XXXX  days, in accordance with the FCRA, detailing the results of your investigation and the actions taken to correct the inaccuracies. Additionally, I request a free copy of my updated credit report once the necessary corrections have been made. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$620.00} XXXX XXXX  Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, EXPERIAN, AND XXXX for failure to report information in compliance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards established by the Consumer Data Industry Association ( CDIA ). Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to provide accurate and complete information. However, the entity in question has reported inaccurate, incomplete, or unverifiable information on my credit report, violating these standards. 

Despite my dispute, the information remains unchanged, and the furnisher has failed to provide proper verification. Under 15 U.S.C. 1681i ( a ), credit reporting agencies must investigate and correct errors within 30 days. This failure to comply directly impacts my creditworthiness and financial stability.
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX and having trouble with Citi on my new personal loan. Loan # XXXX. I made my first payment in XXXX of XXXX  and received emails and phone calls from Citi Collections that I did not make my first payment, this surprised me since I had record of the check clearing already. After numerous calls to Citi I was asked to fax a copy of the front and back of check which I did on XX/XX/XXXX. I spoke to the following supervisors in XXXX and XXXX XXXX and XXXX and neither one was able to get this resolved with Citi 's back-office. I was told they have my fax and would adjust my account in 7-10 days. XXXX  is XXXX XXXX and I still can't get this resolved. No one is calling me back with updates and I am very frustrated I have to keep calling. Citi needs to adjust me account ASAP and make sure I am not charged late fees, adjust for interest and credit my account with a one-time fee credit for the trouble I am going through. This was my first payment and has been a nightmare experience. Also I asked that my loan be linked to my credit card so I can review balances and make future payments online. I was informed by Citi they are having a problem linking accounts with 11 digits, this is crazy! I requested a new shorter account number and they have provided this to me either. I want this processed ASAP. 
Unfair practices and awful customer service from Citi. 
XXXX ph # XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 Banner Bank withdrew XXXX} from my checking account without advising me why they took the money. I have called the bank but have not received an answer. Through telephone contacts with the bank, nothing in writing my mortgage payment is going up XXXX per month and the home insurance is going up XXXX per month, again nothing in writing.
Product: Debt collection

Closed collections account was sold to I C SYSTEM and reopened without notification of right to dispute.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC XXXX, SC XXXX Date open : XXXX/XXXX/2022 Original amount : {$610.00} This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian regarding the mishandling of a dispute involving an inaccurate and fraudulent account reported by XXXX XXXX. Despite providing Experian with a comprehensive set of documents, including an FTC Identity Theft Report and a police report from the XXXX County Sheriff 's Department ( Report Number : XXXX XXXX ), Experian has reinstated the account on my credit report after initially removing it. 

The account in question does not belong to me, and I have no knowledge of this debt. Both XXXX and XXXX have rightfully removed this account from my credit report after reviewing the evidence I provided. However, Experian has chosen to rely solely on the certification of XXXXXXXX XXXX, disregarding the substantial proof of identity theft that I submitted. 

Experians actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681c-2 ( a ), which requires credit reporting agencies to block information resulting from identity theft upon receiving an identity theft report and supporting documentation. Experian initially complied with this by removing the fraudulent account but then unjustly reinstated it based on the creditors word alone, which undermines the protections afforded to consumers under the FCRA.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which mandates that a credit reporting agency must conduct a reasonable reinvestigation if the consumer disputes the accuracy of information. Experians reliance on XXXX Banks certification without thoroughly considering the evidence I provided suggests a failure to conduct a proper reinvestigation. 
15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of information relating to a consumer if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Given the identity theft report and police report I provided, Experian should have questioned the validity of the information supplied by XXXXXXXX XXXX. 
Experians decision to place the burden of proof on me, despite the overwhelming evidence of identity theft, is unacceptable. This decision has negatively impacted my credit score and caused undue stress. 

I respectfully request that the CFPB investigate this matter and compel Experian to : Permanently remove the fraudulent account from my credit report. 
Cease any further attempts to reinsert the disputed account without a thorough and impartial review of all the evidence provided. 
Ensure compliance with FCRA requirements in handling future disputes. 
Thank you for your attention to this serious matter. I look forward to your prompt assistance in resolving this issue.
Product: Student loan

My Federal Student loans are in Default and was taken over by Credit adjustment INC. This collection agency is refusing to work with me in repaying my loan and coming out of Default when they first reach out to me I receive a call requesting XXXX to be paid immediately which I had advised that I didn't have then they ask for XXXX he stated that if I didn't paid they will start garnishing my wages I advised the representative ( XXXX XXXX ) that I didn't have that amount of money as I'm just starting to get back on my feet my house was going into foreclosure but we were able to resolve the foreclosure issue. he then stated let me see if you qualify for the rehabilitation program then stated that it will be XXXX a month once again I advised that I can not afford that amount he then reminder me again that it would lead to 15 % of my wages to be garnish I stated that I couldn't pay that amount. The next day I call back spoke to another rep ( XXXX ) who stated that the previous rep work the account incorrectly and stated that I will only pay XXXX a month for the next 9 months she then requested for me to fax my expenses the way we when over it over the phone which I did then I receive a call back the next day by the previous rep asking me for more money then he went over the information again and stated yes you will pay XXXX I made my first payment on XX/XX/2018 then I call to make sure he receive that last document he needed then he stated that he was wrong with the amount he had me pay and it's XXXX a month I advised him that I do not want that amount withdrawn from my account I agree on XXXX he stated that unfortunately that was not the correct amount he then stated lets see if we have another program then he advised we can place on a payment of XXXX for the next 240 months when I calculated the amount after the 240 months its XXXX I told him I can not afford this amount he stated how about XXXX a month he advised there is nothing we can do for you so or you pay the XXXX or we will garnish your wages. This company is not willing to work with me at all I do want to come out of default but for a reasonable amount I went in default cause I was going through a hard time in my life with my home going through foreclosure, the passing of my younger brother, my dad going through XXXX XXXX and losing his benefits and an ill mother I do apologized I had a lot on my plate at the time but I'm back on my feet and want to take care of the matter but Credit adjustment is not willing to help me in this matter but more of threating me to garnish my wages.
Product: Debt collection

I sent the letter of validation of debt forms company failed to send all 4 legal documents back after 30 days of receiving the debt validation form. Therefore this collection legally needs to be removed from all 3 credit reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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. 
Chapters
Product: Checking or savings account

A Treasury Check from the US government for approximately $ XXXX was deposited on XX/XX/year>. Capital One, NA, held the check until XX/XX/year>. After numerous phone calls and emails, they will not release the check. The US Treasury website confirmed that the Check is " Paid. '' This means Capital One, NA, is holding the check to gain interest. This is a racket. We are a small business, and this " hold '' affects our other vendors who are small businesses and have worked hard with our team. According to the Office of the Comptroller of the Currency ( OCC ), Treasury Checks take a day to verify.