23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My credit has been unduly affected due to an account not attributable to me. Thus I need to file a report of identity fraud. The creditor is : Audit & Adjustment Co. Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX United States Account number XXXX I have filed a police report as requested by the creditor and I am attaching it to this filing.
Product: Credit card or prepaid card

Zales COMENITY BANK CREDIT CARD OFFERS A DEFERRED INTEREST WITH NO INTEREST IF PAID IN FULL. ZALES DELIBERATELY PAYS DOWN ON THE VARIOUS PURCHASE IN THE ORDER OF THEIR CHOOSING AS WELL AS THE AMOUNT. THE CHARGE FULL INTEREST ON TOTAL PURCHASE FOR BALANCES NOT PAID. EX. I PURCHASE XXXX RING I PAY DOWN {$600.00} AND HAVE A XXXX BALANCE THE CHARGE 29 % INTEREST ON THE TOTAL PURCHASE {$160.00}. THIS IS ABUSIVE. IF I AM MAKING TIMELY PAYMENT I SHOULD BE ABLE TO CHOSE WICH PRINCIPLE BALANCES I WANT TO PAY AND THE AMOUNT FOR EACH ONE. IF MY BALANCE IS XXXX AT THE END OF THE PROMOTION THEN I SHOULD ONLY BE REQUIRED TO PAY THE BALANCE FOR THE XXXX. NOW THAT THEY HAVE CHARGED ME THE INTEREST FOR THAT 1ST PURCHASE THEY DID NOT APPLY MY PAYMENT TO THE OTHER TWO PURCHASES AND DID NOT GIVE ME THE OPTION TO PAY IT FIRST. FOR EXAMPLE LAST PURCHASE {$60.00}. COULD HAVE BEEN PAID IMMEDIATELY UPON MY FIRST PAYMENT. THEY PREVENT US FROM DECIDING WHAT I WANT MY PAYMENT TO APPLY TO FOR THEIR SELF INTRUST!
Product: Student loan

Aspire loan service company bought existing loans and knew I was struggling to make payments and continue to report to my credit that it was late damaged my credit significantly and now I have late payments that will prevent me from getting my credit lines
Product: Credit card or prepaid card

I had an open credit line of {$8700.00} with a XXXX balance. It was closed by the company. When I inquired about the closed account, they stated they could not reopen due to the risk associated with the account. I advised them that the disclosure I received did not state that they could close the account due to inactivity. ( That was the initial reason I was given, then it went to a risk situation after I made a formal complaint ). I was going to use this for my home improvements when I moved into our new home on XX/XX/2019. I am requesting to have the account reopened without a credit check as I have never been late on this account and paid my balance in full.
Product: Student loan

My original loan servicer was XXXX XXXX XXXX and I was laser moved to XXXX XXXX. They were aware that I was going for PSLF but gave me incorrect information multiple times. First they failed to tell me I needed to fill out a deferment waiver while in school and working full time in public service for that time to count towards payments - that lost me 4 years of PSLF time. Next, they put me into a forbearance when I qualified for {$0.00} IBR payments and told me I was on a qualifying payment plan - this lost me another 31 months of PSLF time. Lastly, they failed to tell me that my XXXX loans did not qualify and actively told me they did since they were owned by DOE. Luckily the waiver will correct the last issue but it does not go far enough to correct the wrongdoing of the loan servicers in the early years of PSLF. My public service work is certified since before the beginning of the program - 2006 - but I still have many years until I reach forgiveness because servicers did not have my best interest in mind. For the program to work the way it was intended anyone with 10 years of service should be automatically forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Financial continues to furnish credit inquiries on credit file from XX/XX/ 2018. Company stated inquiry would be removed. Company failed to comply to FCRA Guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX # UNKNOWN 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 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 consumer person knows or has reasonable cause to believe that the information is inaccurate. 

NO CONTRACT WITH THIS COLLECTION COMPANY. Police report on file
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems that my credit file has been compromised. I have no idea what is going on over there at the CFPB. I have submitted the same complaints for several times already but still these accounts are visible on my Transunion credit report. Since Im a hardliner for research, I found that under section 605b of the FCRA you are required by law to eliminate & block any accounts or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you FTC # : XXXX. Please block/remove these files US DEPARTMENT OF EDUCATION XXXX XXXX. .US DEPARTMENT OF EDUCATION XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX .... US DEPARTMENT OF EDUCATION XXXX .... US DEPARTMENT OF EDUCATION XXXX .... US DEPARTMENT OF EDUCATION XXXX .... If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled promptly.
Product: Debt collection

On XX/XX/2021 I mailed a U.S Certified Mail with a letter attached to request the validity of the debt being reported on my credit. It is now XX/XX/2021 and I have heard no response from them yet.
Product: Mortgage

XXXX XXXX XXXX took over our home loan around XXXX and before we had no trouble with any payments or any issues with the previous mortgage company XXXX XXXX. Ocwen is now stating that we are up to 6 months behind in our home mortgage payment and will not take any of our payments as we have sent over 4 payments to them. They have sent every cashier 's check for the amounts of {$1000.00} in XX/XX/XXXX, XX/XX/XXXX for {$1000.00} back to us and have stated to not to send any more payments to us. We have called them and asked how to resolve this matter and they stated we had to send {$5900.00} and it would up to date.We spoke with them on XX/XX/XXXX and they stated they could not help us unless we payed the amount in full or we would be foreclosed on.l Our house has been listed on the internet without our knowledge for foreclosure but now has been taken down. We have a XXXX XXXX XXXX total XXXX great grandson who we have raised since birth and have lived in this house XX/XX/XXXX. He has XXXX, XXXX XXXX, He can not walk and is confined to wheelchair but he talks in his own way. We have to feed him, he is total care. We have told Ocwen this over and over and they do not care and will not work with us even when he stands to loose his own home that he has only known.
Product: Checking or savings account

It's started in the same bank few years ago in 2018, someone drinking coffee few time per day from my card, then I catch them when they used my card in XXXX, I didn't been there for few weeks.Some bankers blame me, they didn't believe me it's not me, the women who used my card looks like me.I have photo of her also. Then I send them my project they didn't answer. I closed my account, then few months ago I opened account again in the same bank with some cashier 's check on my name XXXX XXXX they tell me check will be available tomorrow, but ... someone withdraw the check next day, until I even did anything.Then multiple excuses from the bank, and they didn't give me check back.
Product: Credit card or prepaid card

bank of america az XXXX XXXX is responseable for opening a 2nd account when under there policy a customer is only supppose to have one account, they funded this account and allowed for another individual to compermise this 2nd account now im out of over XXXX plus and they will not take reponseabilty for what they created and caused while i was hospitalized for XXXX. i have filed a claim about this whole sittuation and they still to have make right on there end.there is multiple sittuations all over the news in multiple citys and states the same company has done this to multiple individuals this is really sad to kno that a bank such as bofa is responseable for multiple sittuations and have done nothing to correct it there are familys going homless and hungry because of this and they need to make it right .please help me fix this whole sittuation and be reinbursed for my money ive paid taxes on.
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 USC 1681. 

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. 

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.
Product: Checking or savings account

On XX/XX/XXXX opened up a new CD online with Marcus Bank and funded from a Savings a/c also from Marcus. I then called to have this new CD made Joint Tenet as I have done in the past 18 months. The Customer Service Rep informed me that the joint tenet must be added at the time it is opened up. I told her that I was not prompted or saw any info regarding this new procedure which she said had just started. The rep tried to add the joint tenet as was unable. Then she told me to go back online and open up a new one. 
She walked me through it and I could not open it with a joint tenant. This one was not funded. 
The rep then opened a third CD on her end and added the joint tenet. She then asked me to fund it. I tried to fund it and was unable so she was able to fund it from my savings. 
However, when complete there was NO JOINT TENENT added. I told her to put my funds back to my savings account. She saids she would have to open up a special ticket so NO Penalties will hit your account. She said within 48 hours it would be rectified that there was some kind of glitch and a supervisor would contact me on XX/XX/XXXX. On XX/XX/XXXX at XXXX I called into Marcus the Customer Service Rep said he can add the Joint Tenant to the account. 
He was unable to add the information. Supervisor came on phone said my funds would hit the account on the XX/XX/XXXX. No funds have been retuned to my account. XXXX In the afternoon phone rings from an XXXX number no caller ID. I answered and it was Goldman Sachs on a recorded line. Supervisor returning my call from XX/XX/XXXX saying sorry for the confusion and your funds will be back in your account on XX/XX/XXXX. Everyone telling me this and to no avail. Just lip service. 
Either XX/XX/XXXX or XXXX I called got another Customer Service Rep and asked for a Supervisor. She read the log and said my funds would be back in my account on Saturday XX/XX/XXXX. As of this date XX/XX/XXXX NO FUNDS in my account. Called today Customer Service Rep got me a Supervisor who said they have no idea when the funds will be back. She opened up a new ticket for some internal department to handle this within on to three days. Asked for Corporate phone and email and was denied. 
Also, I asked for an email stating when my funds would be retuned and was told they are unable to do that.
Product: Credit card

My case is with XXXX XXXX case number Case # XXXX In 2017 my personal information was exposed during the XXXX XXXX breach, and ever since, Ive been struggling with identity theft issues. An account was fraudulently opened in my name with citibank and has been reported negatively on my credit report. 
Ive tried to fix this by disputing the account multiple times with the credit bureaus, but every time they come back sayin that the company has verified the account. Ive never had any dealings with Citibank and I didnt authorize this account to be open in my name, or authorize my Social Security number to be used.. The address they have on the account XXXX XXXX XXXX XXXX doesnt belong to me, my home address is XXXX XXXX XXXX XXXX XXXX Fl with the mailing address of XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX Fl XXXX XXXX a victim of identity theft and trying to recover my identity.. This has been affecting my daily life and my ability to get credit when I need it. I feel stuck and dont know what else to do.
Product: Checking or savings account

Hello, I have not really had any problems using Citi since opening the account. This week I have had transactions declined my account frozen with no explanation. I asked for a daily transaction increase from {$5000.00} to {$10000.00} and was told it was applied but then it was not there. I have tried using online banking or my debit card on other accounts and been declined. When I call Citi I have to get through the gauntlet of customer service automation which refuses to connect to customer service. I have tried talking to supervisors and been hung up on. My account is currently frozen and I have no idea when I will have access. 









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

dear XXXX XXXX  This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

XXXX XXXX  : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had been trying to update my payment method on the XXXX XXXX for months, it would not allow me to do so from the app, so I reached out on their contact us page several times ( as there was no phone number to call and get ahold of anyone ), and I never once received a response from anyone. Once the company shut down, I also reached out several times for my billing statement and they never provided that either. It is now with a collections company ( XXXX XXXX XXXX ) and it is severely impacting my credit score.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX Bankruptcy Federal XXXX XXXX XXXX  Bankruptcy US BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$2200.00} XXXX XXXX XXXX XXXX BALANCED {$1300.00} Chargeoff XXXX XXXX  BALANCED {$0.00} Chargeoff XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 or other personal consumer reports

I am writing to file a complaint regarding unauthorized accounts on my consumer file as a result of identity theft. I have already taken the necessary steps to address this issue by filing an FTC report and a police report with the XXXX Virginia Police Department. Enclosed, please find copies of these reports, as well as documentation confirming my legal name change from XXXX XXXX  to XXXXXXXX XXXX pursuant to a divorce order. 

The following accounts, names, social security numbers, addresses, phone numbers, employers, and spouse or co-applicant information do not belong to me, and I request their immediate removal from my consumer report : Names to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses to be removed : [ Include the list of addresses ] Social Security number to be removed : LAST FOUR XXXX ( Enclosed is a copy of my Social Security Card ) Phone numbers to be removed : XXXX XXXX Employers to be removed : 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 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 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  Under 15 USC 1691c-2, I am entitled to have the fraudulent information blocked from my credit report. The relevant federal statute states that when an identity theft victim provides a copy of a police report to a consumer reporting agency, the agency must block the reporting of the information resulting from identity theft. This action is essential for preventing further harm to my credit and financial standing.

Enclosures : [ List of enclosed documents, such as identification, Court document for name change, police report number, officer name and phone number, and FTC report ]
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my Experian,XX/XX/XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX, FL XXXX. 

XXXX XXXX
Product: Mortgage

I ask for a payoff quote I signed a shared Modifications in XXXX no in XXXX is another company and they are sayings I was not eligible for the modifications never received a letter saying I was in default they even wrote the debt off in XXXX it was ocwen now they are saying That I was late for month but one payment want to the principal and 10 years later now I was never elegible, but not one letter was sent to me, and that now is principle non interest, that not on the modifications, and why Im I still making dosificacin payment, please all this is not right,
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 U.S.C 1681 l XXXX XXXX XXXX Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting, credit repair services, or other personal consumer reports

Onemain XXXX XXXX XXXXXXXX XXXX, IN XXXX Acct # XXXX and Onemain Financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX are both Subsidiaries of XXXX. I had a loan with Onemain Financial opened in XXXX that is now charged off. The problem is that this one loan is being reported to all 3 credit bureaus : XXXX, XXXX, and XXXX  twice.Once by Onemain and once by Onemain Financial. I have disputed this error many times and just recent as today XX/XX/XXXX I received the results of my dispute and this is still not corrected. I called XXXX today and they called Onemain while I was on the phone waiting and was told that since Onemain Financial sold the loan to Onemain and they are two seperate entities that both charge offs will have to stay on my credit report. I had one loan  with Onemain Financial and if they sold the loan to Onemain then one of these two entities will have to stop reporting. Both  entities are reporting the same loan and appears to be two seperate charge offs on my credit report for one loan and this has caused me to have lower score than I should. This is a violation of the The Fair Credit Reporting Act, 15 U.S.C. 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal identifying information was stolen and I have inaccurate information reporting on my credit that I am not aware of. Please remove these items from my credit report immediately.
Product: Checking or savings account

It stared in XX/XX/year> they blocked the card because my information was not updated and the I updated it and corrected information at the social security office and direct express, once I updated they sent a new card but my funds are not available the old card doesnt work I tried to access the funds through online banking and I tried to call XXXX different occasions they say they will call back in XXXX mins to no avail its been two months I cant access my account XXXX XXXX I cant pay my bills