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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

- I lived in the USA from XX/XX/XXXX to XX/XX/XXXX and moved to XXXX in XX/XX/XXXX - When in XXXX, I was able to put a credit freeze on my XXXX and XXXX utilizing their online services. When attempting to do the same with Equifax through MyEquifax I was unable to verify myself. I called on XX/XX/XXXX to get this rectified and was informed they were unable to identify me and would not send information to XXXX to correct but instead I needed to send Personal Identifiable information via mail ( e.g. SSN, Passport, License etc. ) to verify myself before I can have a MyEquifax account. As I monitored my credit on XXXX, at the time i did not do this. 

- On XX/XX/XXXX, I received through XXXX a alert that their was a Hard enquiry to Equifax for my U.S.A credit - On XX/XX/XXXX, I tried to call to dispute this and also activate my MyEquifax account to freeze my credit report, but was unable to get in contact with a Person, as their system tried to verify me and it would not accept me. The issue faced is Equifax only have details related to my U.S.A personal information ( e.g. Addresses, phone number etc. ), so when I confirmed my former U.S.A phone number it wanted to send a confirmation code to it. As I no longer have this phone, this was impossible. 
- On XX/XX/XXXX, I sent two faxes to Equifax ( to XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, explaining my issue and included all the details they initially asked in my call on XX/XX/XXXX ( Passport , SSN, U.S.A Bank Statement, XXXX  Drivers license ). In my letter I explained that they will need to confirm my identity through all my old U.S.A history, and not any XXXX details. I included a copy of my Equifax report from XXXX, that clearly shows the addresses on file are from the U.S.A. I also noted they can only communicate to me with my XXXX contact information. 
- On XX/XX/XXXX, I received a response from Equifax ( dated XX/XX/XXXX ) that noted they were unable to help due to being unable to verify my identity and requested I provide the exact information I provided in my initial fax. The letter noted they required proof of my XXXX residence, when as clearly stated on my first letter, all information in my U.S.A credit report is from the U.S.A - On XX/XX/XXXX, I rewrote to Equifax and provided the same information again via registered mail to the address noted on their letter and clearly stated for the second time, that they will only be able to verify my U.S.A details, as none of the XXXX information will be on their system. 

As of todays date, XXXX XX/XX/XXXX, I am yet to receive any response. 

Note : The XXXX address provided in the correspondence has since changed due to a move within XXXX, but should not effect any information on the Equifax system
Product: Mortgage

On XX/XX/XXXX, I called PNC regarding my mortgage account. I called to inquire about PNC attempting to pull a mortgage payment from my financial institution. I inquired with a PNC staff member how many times they would attempt to pull the payment from my account to determine if I needed to make a payment over the phone or just wait until PNC completed the transaction. The staff member indicated that they did not know how many times it would be pulled. He encouraged me to wait to see if they would attempt another time. I express concerns that fees would be charged on my account and that I would be reported late. The staff member indicated that I would not be reported late until 30 days and said that no fees would be assessed on the account because I am in California. I expressed concern that he was not able to answer my question and asked that he consult with a supervisor/manager to find out. After a period of being placed on hold, he returned to the call and indicted that he was not able to get the answer. Essentially, I was supposed to make a decision on misleading and incomplete information. Upon further research, I learned that if I had not made the payment on XX/XX/XXXX PNC would have charged me a late fee. This concerns me because the PNC agent was encouraging me to wait to see what happens and to wait another day. This would have allowed PNC to charge me a fee. I advised that I was concerned with the lack of information and training he was provided. I made a payment over the phone on XX/XX/XXXX and filed a complaint with the staff member case number XXXX. 
Since the incident mentioned above, I received a notice that a {$25.00} fee was assessed on my account due to a Non-Sufficient Funds on XX/XX/XXXX. This is the first time anyone from PNC has mentioned a fee was assessed on the account. I have concerns over the lack of training staff receive, adequate information PNC provides consumers and deceptive practices in mortgage servicing. PNC staff encouraged me to wait to see if the payment would go through which would cause a late fee. They were not able to provide pivotal information and failed to disclosed fees would still be assessed. PNC recently became my mortgage servicer ; I am concerns that they have predatory practices to collect fees from consumers to increase their profits. 
I am filling this complaint in the CFPB system because I have made several attempts to work this out with PNC. I have not received a response to the complaint filed directly with PNC on XX/XX/XXXX. In addition, I emailed XXXX XXXX from the Officer, Executive Client Relations as requested on XX/XX/XXXX and no response. I would like to receive an answer to my initial questions, understanding of the training gap, transaction history on my account, and fees waived.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed by mail the fairness and accuracy of experians reporting of several items on my consumer report. In experian response they claimed to have conducted an investigation and said the items were verified and would remain on my report. On XX/XX/2022, I requested by mail or experian to provide there method of verification for each item ; I requested that experian provide the SSA-89 form with my wet-ink signature, a necessary form requisite by way of written permission to utilize property of the social security administration ; and I requested that experian provide me with proof of my written consent to consumer reporting with experian which would also require a SSA-89 form. experian never responded to such requests or the CFPB Complaint ID XXXX regarding these requests. experian only opened another dispute for the items instead of providing the proof I requested from them that reporting these accounts is fair and accurate. 
On XX/XX/2022, I received confirmation via the CFPB ( complaint ID XXXX that experian was in receipt of 1. ) appropriate proof of the identity of the consumer ( me ) ; 2. ) a copy of an identity theft report filled out by me ; 3. ) the identification of the information reporting as a result of identity theft both in my identity theft report as well is in my statement ; 4. ) my statement by me, the consumer, that the information is not relating to any transaction by me, the consumer. All this information was provided in accordance with 15 U.S. Code 1681c-2 - Block of information resulting from identity theft. 15 U.S. Code 1681c-2 ( a ) BLOCK states Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of - the above referenced information I received confirmation experian is in receipt of. As of XXXX, XX/XX/2022 it has been 5 business days since experian has been in receipt of the four requirements of this section of the FCRA and experian has not blocked and removed the items. experian has still not provided the SSA-89 form for proof of consent of experian reporting of my information nor the SSA-89 forms for each alleged creditor as proof of consent for furnishing my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not make any of these inquiries XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XX/XX/XXXXInquiry date XX/XX/XXXX Business type Department And Variety Stores- non specific XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Business type Bank XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Bank Credit Cards XXXX XXXXnquiry date XX/XX/XXXX Business type XXXX XXXX ( Reseller ) XXXX  Inquiry date XX/XX/XXXX Business type XXXX XXXXXXXX ( Reseller ) XXXX XXXX  Inquiry date XX/XX/XXXX Business type Auto Financing Companies
Product: Checking or savings account

I have a checking account that had electronic withdrawals taken out under the guise of " XXXX XXXX ''. I have never used XXXX XXXX. Some how someone was able to get my account number and then withdraw money without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came to a agreement to settle the account in full with Santander consumer Usa for a lesser amount than I owed. Santander agreed for to settled the account paid in full for {XXXX} XXXX which I paid on XX/XX/2021. I also have the letter stating that the account was settled. But it is still showing on my XXXX  and XXXX that I still owe {XXXX} and I would like this removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete late payment information for XX/XX/2019 and XX/XX/2019 on my credit report concerning my XXXX  XXXX XXXX XXXX  last four of acct number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Equifax, XXXX and XXXX that they are all reporting my XXXX payments and dates differently. 
They have failed to accurately update the payment history. In accordance with FDCPA 807 violation- reporting inaccurate and misleading information has to be deleted immediately. Please have this removed.
Product: Mortgage

Our loan was sold fraudulently from our original lender to another company. The loan was paid off on XXXX XXXX, 2013 by sale. After numerous attempts with phone calls and e-mails asking for our original wet ink cancelled note and mortgage we to this day have not received them. The property is now up for sale and the chain of title has been broken and the owner selling the property is not the actual owner. As a mortgage holder it is my right to get my cancelled note and mortgage. The title is clouded and I do not want to have any responsibility in this mess and I am asking for my rights to be honored.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a XXXX  determination letter according to XXXX ( b ) ( XXXX ). 
The following accounts need to be deleted and blocked XXXX XXXX XXXX account # XXXX amount : {$6900.00} XXXXXXXX XXXX XXXX Account # XXXX amount : {$1300.00}
Product: Credit reporting or other personal consumer reports

I dont understand when the report come back verified when my identity was stolen by the time the accounts were open. This is not fair & not right for me to punish for something I never done & making my credit suffer because of it 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Achieve, XXXX XXXX XXXX  XXXX account, and XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX is reporting that I owe XXXX $ which is incorrect I have requested Experian verify this correct and remove it if it cant be verified please this is the fcra. Thanks in advance I also turned in a ftc report for the inquiries in my report
Product: Debt collection

In XXXX I opened a Best Buy credit card to purchase a tv for {$900.00}. I paid it off immediately. In XXXX of XXXX I receive a Best Buy card bill with A large amount charged. I think it was around XXXX XXXX I have never used the card since my XXXX tv purchase. I reported the fraud immediately to the Citicard. On XXXX I received a letter from the security operations stating the fraud was taken care of and the disputed charges have been removed. Then I get a new card! I did not ask to open another card I dont use! I call immediately to cancel the card. XXXX I receive a letter saying it was closed. XXXX I receive another bill for {$600.00}. Then same day XXXX I receive another letter stating my charges have been disputed and they have been removed. I call again. I have spent hours upon hours in the phone and can not get to anyone who can help me. They keep putting me on hold and transferring me to another department to start the story over. The last call I made on Friday I believe after what I have been told is only part of the disputed charges where taken off and the rest was put into this new account they opened without my permission and is now closed. Now I am still receiving calls daily to collect the debt that I did not make. That I have letters saying has been satisfied. My credit has been ruined because of this. I am very upset. I have 2 college student who need student loans that I need to sign for and now I can not because they have ruined my credit. If someone can help me I would appreciate it. Thank you. XXXX XXXX XXXX
Product: Credit card

I applied for a credit card. I did not like the terms offered and did not accept the card, but Citi just opened an account in my name anyways. They refused to do anything about it when I called. So now I have an open credit account that I dont want and never asked for, and the company wont do anything to fix it.
Product: Checking or savings account

I originally opened a credit card with Citi on XX/XX/year>. I also opened a checking account with CitiBank and never received any documentation including my account numbers. I was trying to make an external transfer online and was locked out of my account, which is also linked to my Citi credit card. I then tried to regain access to my account online and received an error message saying my information provided did not match their records. I called the phone number they provided for technical support, and they were able to verify I am the primary cardholder ( for the credit card ), but was then told that I would be transferred. Speaking with the next person after being transferred, I was told that the information I provided ( debit card number ) was not sufficient and that they needed a security word ( which I never set up due to being locked out of the account ) as well as my account number ( which was never provided to me electronically or otherwise ). I am now stuck being locked out of both the checking and credit card accounts, and have received notices that I may be sent to a collections agency due to missing payments ( which I can not make because I have been locked out of my account ). They suggested I visit my nearest branch, but CitiBank does not have a branch within XXXX miles of my residence. I am at a loss because I try to reset the account online, then get told to call technical support, only to be told they can not assist me because I do not have information they never provided me.
Product: Student loan

I turned in my Public Service Loan Forgiveness information early last year and had to consolidate with XXXX. XXXX moved to Mohela. I have been working for the XXXX XXXX since XXXX of XXXX constant employment. Prior to having to consolidate for the loan forgiveness waiver, I only had 1 servicer which was XXXX which I paid and have history on payment since XXXX ( before PSLF even started ). Between Dept of Education and Mohela, nobody is processing the remaining payments I have and it's been nearly a year. BOTH the DoEd and Mohela should have my entire file and payment history, my employment has been certified already and my payment tracker has been stuck at XXXX since before mid XXXX. I do not get responses beyond they are working it, I have had complaints with the dept of ed that were closed without resolution and supposedly I had to file a reconsideration ( which I shouldn't have had to do ) but Dept of Ed approved that and said they adjusted something that I have never seen. On the flip side, on a XXXXXXXX page for this topic, multiple times a day there are people posting hundreds of thousands of dollars worth of loan forgiveness for themselves in files that were submitted much longer after mine with me having no resolution. I do not know if Mohela is incentivized to process large value loans first ( I have $ XXXX ) but there is no reason I should not have been processed yet. One employer, one payment history back to XXXX with the entire XXXX payment history uploaded to XXXX and dept of education who has a hand in this. I should not be a year later and still waiting on my payments to post and have forgiveness when I am over payment and over the time period required for forgiveness. Please help. It was stated early on that those of us in the public servant arena with the 120 payment already done would be processed first, yet a year later, no forgiveness and no status, DoEd closes complaints without resolution and supposedly nobody knows anything about my file. I am either being ignored since I filed complaints or I am because I do not have over 100K in debt to forgive. Either way, please help. I put in my time, I should have been easy, I had no issues and always paid
Product: Payday loan, title loan, personal loan, or advance loan

This company has reported once that I was late on payments and has yet reported a few days ago that I was late for 30 day from XX/XX/XXXX to XX/XX/XXXX and I was never late between those months and my credit went down XXXX points because of it, I callled them & they are saying it reported it again because I was late last year and that it's going to keep reporting I'm late because of past due amounts which isn't right because as of now I'm on time with payments, last year I wasn't getting that many hours at my job so I wasn't on time but as of now I'm on time with payments, times are already hard and I don't need my credit going down for something it shouldn't be going down for.