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

I have been disputing for the removal of the fraudulent items that are still reporting on my Credit file despite the multiple letters and cfpb comlaints I have been submitting to the Credit Bureaus. It also has been brought to my attention that the Credit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint to help establish a legal recourse. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items that resulted due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed {$4300.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. If the Credit Reporting Agencies claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file the Credit Bureaus maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen, possibly as a consequence of the Equifax hack. I 've had to contact the three credit reporting agencies to freeze my credit. I reached an automated line at each to get a PIN that allows me to selectively unfreeze and refreeze my credit. 

The lines at the two agencies other than Equifax stated that the PIN would be mailed to me. Unbelievably, the automate line at Equifax issued me a PIN ON THE SPOT. This means the thief can call up and AT HIS OPTION, pretend he is me, get the PIN and freeze or unfreeze my credit as he or she wishes. 

Worse, even if Equifax DOES N'T issue a new PIN once one has already been issued, persons who stole other Equifax " customers ' " identities can simply be first to the gate, get the PIN and actually PREVENT the real person from freezing and unfreezing their credit at Equifax. THIS HAS TO BE STOPPED FOR THE SAKE OF ALL THOSE WHOSE IDENTITIES EQUIFAX HAS ALLOWED TO BE HACKED.
Product: Credit reporting or other personal consumer reports

sent certified letter to all attached companies and did verbal request as well
Product: Student loan

I have a loan managed by Heartland ECSI. I am doing a XXXX currently, and so I am deferring the payments while in school. However, even though I submitted a form saying I have a 3 year program, they ended the deferment early. They also make information hard to find, did not do a good job notifying me, and make it hard to submit deferment requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to correct the late open accounts listed on my credit report. Despite multiple attempts, I would like to follow up these inaccuracies persist, and I am seeking further assistance to resolve this matter.

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the late open accounts remain on my credit report, negatively impacting my creditworthiness and financial standing.

This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance Owed : {$890.00} ; XXXX XXXX Balance Owed : XXXX ; XXXX XXXX Balance Owed : {$1700.00}.
Product: Debt collection

This is a complaint on XXXX XXXX XXXX  to consumers, which is very confusing. details are as follows. 
I had undergone a XXXX XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX, XXXX, OH. 
I have paid the full amount that was estimated at the time of Surgery, for the total Surgery costs. 
Later, I am keep on getting Bills from many 3rd parties, like XXXX XXXX, XXXX departments. Every time I receive such billing letters, I visit XXXX XXXX - XXXX online Patient portal, which is the only portal available for patients, and recheck if I really Owe any amount, if yes, I pay it online, just to avoid Fraud and to avoid exposing my credit card information to fraud websites, As it is common in USA for data leak and we keep getting fraud letters. 

Later after 6 months, suddenly I see a debt collection reported to XXXX, from XXXX XXXX, and it says original payment originator is XXXX XXXX, but I dont see this amount in online portal of XXXX XXXX. 

then again on today XX/XX/XXXX, I received another debt collector letter from company, Frost-Arnett with a due amount of {$100.00}. To make sure, I called XXXX XXXX customer care again, and they could not see this amount due anywhere. 

Conclusion is, How do I Identify the bills I am receiving are not fraud, if XXXX XXXX is not disclosing the list of 3rd parties involved in the surgery, anywhere, neither online nor on any billing summary. 

So, if XXXX XXXX informs me about all 3rd parties/ laboratories participated during XXXX, then I would confidently go ahead and pay the bills as soon as I received. 

Hence, if there are any outstanding debt remaining from my side, that is purely not my mistake, and it is a purely a bad reporting of billing from the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a report from EarlyWarningServices stating I had an account with XXXX XXXX XXXX XXXX which states the account was closed for fund transfer fraud yet i never opened this account or authorized it to be opened. The account was opened in 2017 XX/XX/XXXX. The account is connected to an address and phone number that is not mine, phone number XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX.
Product: Checking or savings account

XX/XX/2022 approximately XXXX Chase bank atm malfunction. It did not disperse {$1400.00} that I requested however it was debited from my account. I informed management at local bank they informed me to contact bank by calling them. I called bank they informed me that a credit would be issued after an audit completed. XX/XX/XXXX I was credited {$1400.00}. XX/XX/XXXX the credit was reversed after there audit determine money was accurate in atm machine. I never received any money in XX/XX/XXXX from the atm transaction. Chase bank have now closed my claim on this transaction and determine there atm was correct. 

Claim # XXXX ATM #. XXXX Indoor ATM XX/XX/2022 XXXX XXXX Chase bank
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
BANK XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}, BANK XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00}
Product: Checking or savings account

I have had a checking account with SunTrust bank for many years, and the account had no service charges as long as I maintained a balance of at least $ XXXXwhich is the case. Now that SunTrust and BB & T merged to form Truist Bank I was assured there would be no changes to my account. However, Truist now charges me {$5.00} per month for the account. I tried calling Truist to inquire about this matter, but the waiting period to speak to someone was way too long ( hours ). What can be done about this deception?
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

CFR Violations This correspondence is in regard to violations of Coded Federal regulations committed by CARMAX. I, XXXX XXXX have been made aware of these violations. I am in distress after being made aware of said violations. This knowledge has created many hardships for my estate, as well as stripping my comfort and jeopardizing my security. It is inconsolable to learn that CARMAX does not operate with integrity. 

This correspondence is also in regard to adverse action committed in XX/XX/XXXX. The adverse action offer is here by rejected, a credit/ bank application is a financial asset ( 12 CFR 360.6 ( 2 ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ).

These violations consist of but are not limited ; 7 CFR 765.305 Release of Securities 12 CFR 1026.13 Billing Error 12 CFR 226.6 Account opening disclosure 12 CFR 1002.2 Account Definitions 12 CFR 141.5 15 U.S.C. 78j Adverse Action 15 U.S.C 78ff 15 U.S.C 1691 ( a ) ( 3 ) 17 CFR 260.11b-6 18 U.S.C. 241 18 U.S.C. 242 18 U.S.C. 1341, 1343, 1961, 1962, Civil RICO Title 42 U.S.C. 1983 Constitutional Injury, 1985 Conspiracy, 1986 Knowledge and neglect to prevent a U.S. Constitutional wrong. Under Title U.S.C. A.241 Conspiracy case no. 96-41-347-DRS Memorandum of Law 8 violators shall be fined not more than {$10000.00} or imprisoned not more than 10 years or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

My 3 credit reports are showing I have an account with the Dept of Education. I went to college 1 time years ago and my loans were forgiven because i became XXXX. This should not be on my credit reports
Product: Mortgage

on XX/XX/2014 i bought a house with the agreement that my interest rate would be 3.25 % I have documents that have this interest rate on them. The other day I was going through my paperwork on the house and noticed they had changed the interest rate without telling me it was changed in one day to 4 %. i closed on the XX/XX/2014 with an interest rate of 3.25 % and on the XX/XX/XXXX they raised it to 4 % were they legally able to change that on me when I closed in time for the lower of the two. I did not catch that when I signed the docs.
Product: Checking or savings account

Citibank froze my account on XX/XX/18 with no probable cause. Upon calling them, they dont even give me any information and wont unfreeze my account after verifying all of my information. I went into a branch on XX/XX/18 and they informed me that they are closing my account. So, i said i want to withdraw all of my funds, the branch wouldnt let me, they made me call the customer service number in which i did while i was inside the branch, they told me they will mail me a check for my balance which us over {$3700.00}, they refuse to let me withdraw MY funds inside a branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have used eagle finance before but been years ago. Just recently became aware, my credit has two hard inquiries on it from them. One from a year ago and one from now. I have not authorized either of these.
Product: Payday loan, title loan, or personal loan

I applied for a small loan {$200.00} bucks with XXXX  i'am still waiting to hear back I keep getting an error message saying " It looks as though were still experiencing some delays. Please try again later '' what does this mean?? and i also took some education courses and earned XXXX points I don't know what is going on but i don't feel comfortable with this company at all i tried to call them to tell them i wanted my information deleted from there system and there not willing to delete my information i tried to set it up with my checking account and routing number but nothing went through i never heard back from them, plus the site wouldn't take my full Name i had to give my Initials XXXX or XXXX it never asked for my social security number although i being asked to send a copy of my I.D and social security number in order for them to change my info, and the lady i spoke to XXXX she tried to tell me the information can't be deleted for auditing purposes this is the number i called XXXX ) XXXX and this is there website XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I checked my credit report and on XX/XX/2020 I was put into collections from Enhanced Recovery Company, their number is XXXX XXXX XXXX, They are trying to collect a debt from XXXX-XXXX, this debt is way over the statute of limitations and I have not received any correspondence about this debt. I am a XXXX veteran and a XXXX XXXX XXXX, I need loans to help me get through the COVID-19 emergency and they have jeopardized my livelihood as well as my XXXX XXXX with their shady business practices. They fraudulently submitted a collection to the credit reporting bureaus and they have not even attempted to reach out to me. After 11 years this is outrageous and this shouldnt be allowed, I am considering taking my own legal action for potential losses they have caused to my XXXX  for their incompetence.
Product: Credit reporting

Unauthorized inquiry appeared on my equifax credit report by XXXX XXXX XXXX on the XXXX of XXXX, 2015.
Product: Debt collection

I have no knowledge of this account and have not received anything on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I have contacted XXXX, XXXX, and Experian to let them know that the addresses on my report were not mine. They stated they could not fix that for me at this time. Also, Inquiries that were on both my reports I had explained to them I do not have any accounts with them and that I never gave the people permission to use my information. They again stated to contact the companies to have them removed. I had contacted the companies and no information is in their system to show I have any account with them. Also, with XXXX  my name for under known alias is wrong and for my middle name they put XXXX instead of it being an XXXX. I have already filed a complaint with the Federal Trade Commission too.
Product: Checking or savings account

I had some unauthorized charges on my account and I alerted the company with hours of the transaction and they still let these scammers my money and would not help me retrieve my funds or had anyway of stopping the transaction from happening. They even told me they found no error was made but could not provide me proof of what they found. I followed all the instructions given to me and the company does not have a remedy to unauthorized purchases made on my account so I am just out of $ XXXX with chime/stride bank. When I asked for the evidence they found they said they would send it over and sent a link for me to upload documents but never sent whatever proof I asked for.
Product: Credit reporting

I am writing in response to Collection XXXX because I do not believe I owe what you say I owe. This is the first I 've heard from you, or any other company on this matter, therefore in accordance with the Fair Debt Collection Practices Act, Section XXXX ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. Kindly also remove this item with immediate effect. Henceforth I ask that this, be removed from my file with Immediate effect.
Product: Mortgage

I have been putting {$6600.00} in my escrow account annually which is a combination with my mortgage. My escrow has increased annually, but not the property taxes nor my house insurance. The property tax and my home insurance has came at an annual total of {$5400.00}, which is covered with my automatic deduction. I received an overage in the escrow only twice since I have own the home since XX/XX/2007 the mortgage company receives the same property tax and insurance statement as I do. I just need to know where is my annual overages payments, because nothing has rolled over to the following year. XXXX has transfer their mortgage account to XXXX different companies since I have own the house.I called OCWEN who is the current account holder and they told me they can only go back 12 months for analysis and they sent me a {$300.00} check after that call, but what about the other years of taking.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX fraudulent accounts showing on my credit report that was not authorized nor opened by me. I have done my part by filing a police and identity thief report. I have agreed to press charges should the person or persons be located who used my identity. I am now requesting the following accounts be remove from the credit report XXXX XXXX account XXXX opened in XXXX of 2020 was not opened by me. XXXXXXXX XXXX account XXXX was not opened by me. I am not sure how these accounts were able to be opened because I can assure you they did not have XXXX forms of id. Please deleted the following accounts from the credit report being that they were opened fraudulently and not by me
Product: Vehicle loan or lease

US BANK reported me having a late payment for a vehicle that was already paid off I called us bank to have them fix the error rep was rude and didn't care to fix my problem as a result my credit is being ruined by an account that is paid in full I would like my credit report to be updated and late payment to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency has done it again I sent in every single document for an alleged Bankruptcy file # XXXX they have reporting on my report. I just received a document from them stating the item was verified which is completely false and in violation of the fcra. They stated to me the item was verified through XXXX XXXX. I then went to them and they replied they could not even verify the information and removed it from my file. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted and they responded and flat out lied that the item was verified. This has been going on since XXXX. I have now gotten my states attorney involved as well as the XXXX XXXX XXXX. They are violating my rights and damaging my credit. I do not think they are conduction any research and furthermore once gain I sent them every single document. it is also on XXXX  website they use XXXX XXXX : XXXX  has removed it off my report with no issues because once again it is unverifiable and false.
Product: Mortgage

We have mortgage wit h Plaza Mo rtgage. At the time we applied and got approved we put 5 % down and we had to pay PMI till we reach 20 % equity. We have done substantial renovation and  XXXX  story addition to the house. In a result of that our home value went up about {$150000.00} that what we guess. We applied for the PMI being removed by doing an appraisal. However they refused to grant this request as they are asking us to pay at least two years of mortgage and then they would consider the appraisal and look in to the PMI.   We are paying {$220.00} per months and that could go against our principal instead.   We are requesting an appraisal to find out the value of the house to determine if we reach 20 % of the home value in equity.   Thanks
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, VA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$32000.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.