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

Public Record from a Chapter XXXX Bankruptcy. 

On XX/XX/2021 I placed a request for suppression of my file with XXXX XXXX due to the inaccurate and derogatory item on my consumer report. On XX/XX/2021 I sent a letter out to Experian, Equifax and Transunion notifying them that " I do not recognize this public record ''. 

At or around XX/XX/2021, I received a response via a credit report mailed to me, that the public record was verified by the US Bankruptcy Court. Frustratingly, I've contacted the court and they advised they do not report to the credit bureaus nor have they verified anything. 

On XX/XX/2021 I sent a letter to the three Credit Bureaus with an attached response from the U.S bankruptcy Court, advising " It is clear the court do not report to you or to any credit bureau for that matter, nor is a debtor 's full social security number reported ; therefore your original response verifying this item with the court was either an error or deceitful. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

Equifax removed this inaccurate reporting immediately, however, Transunion and Experian did not based on their deceitful actions. 

On XX/XX/2021 I also sent a certified letter to XXXX XXXX that they received on XX/XX/2021 bringing to their attention of their erroneous, inaccurate data and request that they provide verifiable documentary proof, in additional to removal of this negative item. To date I have not received any correspondence, proof or removal of this file!
Product: Credit card

About two and half years ago I purchased a copy of my credit report and had noticed there were addresses and some credit card accounts that was not mine, among these account XXXX them was with bank of America. I had immediately contacted the credit bureaus and had notified them about my identity was stolen .Also same time I did a police report and ftc report and contacted every XXXX of those account that was showing up in my credit report that did not belong to me and explain to them about my identity was stolen and all of them took care of the account that was opened under my name but having problem with Bank of America that been giving me the run around for the past two and half years. I had send them the following letter certified mail more than ten times, Dear Sirs or madams : An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature. 
Any other documentation that verifies the account is mine. 
If you can not or will not provide me this information, then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports. Until this matter is cleared up, I firmly request that you stop reporting this account altogether. Please give this matter your prompt attention. I had disputed this account with credit bureaus and bank of America and nothing happened so far. bank of America has not responded to me. at this time I need your help to get my problem resolved with bank of America.
Product: Student loan

I applied via fsa for the SAVE IDR plan for Mohela. I realized that my classes were going to start after my first payment was due. I applied before my first payment was due. I submitted on XX/XX/XXXX. 

I called mohela about a week later to make sure that it was okay, and that their taking a long time to decide wouldn't effect my repayment should I be denied or accepted. The rep told me she sees the pending application and should I be accepted or denied, I will not be penalized by being past due, period, and since I'm starting classes again it should be fine. 

Today, XX/XX/XXXX, I recieved a bill in my email stating I'm past due since XX/XX/XXXX. 

My SAVE IDR plan was approved for XXXX dollars for 12 months on the XXXX of XXXX. 

I called today, XX/XX/XXXX, and waited on hold for almost 1 hour and 45 min. I was then on hold in 2 min intervals with a rep trying to see if she could put in some kind of request on my account, and that I should not have recieved a past due bill for another 45 min. 

The rep finally came back and said she got in contact with someone who could answer, and that another brief hold was necessary. I said sounds great, thank you! And then there was silence, the hold music played and the line disconnected. 

At the start of the recorded call, I was asked to confirm my phone number, and then was asked if the line were to disconnect can they call me back. I gave a very enthusiastic " yes please '' it has been over 45 min since then and I have recieved crickets. I am on hold again with them now and beyond frustrated with their abysmal service.
Product: Debt collection

In XXXX last year I received notification about a collection account from a company called XXXX. The debt was for {$440.00}. I called the company and they advised that the debt was for an airline ticket to XXXX XXXX in XXXXXXXX XXXX XXXXXXXX XXXX. I advised the company that I had never traveled via XXXX and that I have never gone to XXXX. I was subsequently put on to a collection agency and I advised them of this. They told me that I would hear from them in XXXX  days. I did not. On XX/XX/2024, I received a notice offering me a payment plan. I called the XXXX number on the notice and spoke with a XXXX who subsequently to my insistence that this debt was not mine hung up on me. 
This debt is not mine. I have my passport to prove that I never traveled to XXXX. I need their collection agency, Jefferson Capital to remove my name from their list of debtors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Numerous inquiries pop on my credit report that I didnt do or had knowledge fraudulent 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 or credit management

XXXX XXXX From : XXXX To : XXXX Tue, XX/XX/XXXX at XXXXXXXX XXXX This is regarding the refund to XXXX for the cancellation of the credit card issued to your company. XXXX has not received the refund for this credit card. 


If you feel this was sent in error, please reply all and provide all supporting documentation and or information BY THE DUE DATE OF THE REFUND OR THE AMOUNT WILL BE SENT TO DISPUTE. 

The invoice that was created for the job, is not proof of service completion. 



Please refund these funds by XX/XX/XXXX If the refund is not received, XXXX will process a dispute with the credit card company. 



Date of Service : XX/XX/XXXX Job ID : XXXX Amount : {$1100.00} Refund Due Amount : {$1100.00} Credit Card XXXX XXXX XXXXXXXX Expiration : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reason/Notes per call : Our record shows that this job was marked as reassigned in the system. Cancelled by the dispatcher due to provider 's delay. We would like to request a refund for the {$1100.00}. 

-- We only have access to email for communication. We apologize for any inconvenience this may cause. 

Performance or account related inquiries, contact XXXX 's XXXX XXXX XXXX This communication is for the sole use of the intended recipient ( s ) and may contain XXXX confidential information. If you are not the intended recipient, please notify the sender immediately by return email and delete this message from your system. Thank you. 
-- XXXX XXXX XXXX. 
XXXX Confidentiality Note : This e-mail message and any attachments may contain confidential or privileged information. If you are not the intended recipient, please notify me immediately by replying to this message and destroy all copies of this message and any attachments. Thank you.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report that Experian publishes and after reviewing it I found items that were not authorized by me. I am a victim of identity theft. I requested for the accounts to be blocked and provided Experian with an Identity Theft Report. Pursuant to section 605B of the Fair Credit Reporting Act, ( 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 ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Product: Mortgage

This complaint is regarding XXXX XXXX. XXXX XXXX is refusing to provide tax documents and a closing statement for a reverse mortgage that was paid in full in XX/XX/XXXX. 

XXXX XXXX refuses to provide the total interest and fees charged during the 38 month life of the loan. 

I am the successor trustee for the estate of my grandfather, who took out a lump sum reverse mortgage in XXXX of XXXX. He died in XXXX of XXXX. I paid the loan in full in XX/XX/XXXX. XXXX did not provide a final payoff statement for the loan ; when I inquired, XXXX claimed it would be sent at year end, before XX/XX/XXXX. 

XXXX XXXX claims now that the loan payoff statement does not exist. 

XXXX XXXX refuses provide tax documents ( form XXXX ). 

Through over a month of phone conversations, XXXX representatives have provided false and conflicting statements regarding this account. 

XXXX representatives claims during phone conversations include that the XXXX was mailed ( on three different dates ), that the XXXX would be faxed, that the XXXX was never generated, and a claim that they could not provide a closing statement or tax documents for the loan because the IRS prohibited them from doing so. Additionally, XXXX representatives had stated that, though the loan shows as paid in full, there is no payoff statement, and that they do not have any document that itemizes the interest, MIP, and other fees that they collected at loan payoff in XX/XX/XXXX. 

Time is off the essence for this complaint. I can not file federal income taxes as trustee for my grandfather 's estate, or my own taxes, because XXXX XXXX   refuses to provide a form XXXX, a closing statement for the loan, or any other relevant documents.
Product: Credit reporting or other personal consumer reports

Dear TRANSUNION, I hope this message finds you well. I am reaching out to request specific information regarding one of the accounts listed on my credit report. At this time, I am not disputing the account but would like clarification on certain details to ensure the information is fully accurate. 

Account Information : Creditor Name / Account Number : 1. XXXX XXXX XXXX/ XXXX 2. XXXX XXXX/ XXXX 3. XXXX XXXX XXXX/ XXXX 4.XX/XX/XXXX / XXXX I am requesting that you provide the following details for this account : 1. The Date of First Delinquency 2. The Date of Last Payment 3. The Date of Charge-Off Having access to this information is essential for my personal record-keeping and financial planning. I appreciate your help in providing these details as soon as possible. 

Thank you for your time and assistance.
Product: Debt collection

Account reported is inaccurate. Multiple disputes and furnisher will not update record. Balance and history incorrect. Account closed, balance {$0.00}, paid.
Product: Checking or savings account

USAA violated the Electronic Fund Transfer Act and Regulation E by failing to properly honor consumers stop payment requests on preauthorized electronic fund transfers on account number card number XXXX I am disputing the XXXX debited from my account not related to the contract with the XXXX : 1.Agreement # /Memeber number # with XXXX XXXX dated XX/XX/XXXX - XX/XX/XXXX is in error. 
2 The agreement was made on XX/XX/XXXX, but was cancelled on XX/XX/XXXX with the school and Facts and the girls last day was XX/XX/XXXX not XX/XX/XXXX. 
I never agreed to update the card for any auto pay XX/XX/XXXX with card number XXXX. 
The contract with Facts only supports an eft/auto pay from card number XXXX account USAA # XXXX closed and card cancelled Under the advise of USAA we agreed to use the USAA bill pay program and not use the card and account for auto/pay XX/XX/XXXX a onetime payment was was made and a fee charged and paid to settle account arrears. Again in support of my refusal to update the account with auto pay and settle the account with one time payments. USAA has failed to resolve the XXXX auto dispute complete reasonable error resolution investigations. Even after being provided the fraudulent contract stating it was valid XX/XX/XXXXXX/XX/XXXX/see supporting documents in support of Contract was valid XX/XX/XXXX-XX/XX/XXXX with XX/XX/XXXX as withdrawn date.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2023. Its been well over 30 days, I still have not received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report XXXX XXXX went into my credit report seeking information 24 times for what?? I am requesting XXXX XXXX to cease and deceist there activities into my credit report, What are they looking for, I believe some fraud activity has taken place. Will ask Experian to freeze my credit report. I would like them to answer the reasoning behind the 24 times in my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my recent dispute with regarding unauthorized and inaccurate inquiries on my credit report that was submitted last XX/XX/XXXX that is still open and no resolution has been given as of yet. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : -- -- -TransUnion XXXX -- - XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX -- -- -XXXX -- XXXX - XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Mortgage

Deferred payments on the mortgage of my residence during COVID. Forbearance is over, and my lender will not accept modification of the missing payments to end of loan. 
They want lump sum payment or will foreclose. I am currently still unemployed due to COVID. This is not fair and not what was inteneded when goverment required COVID deferrals from lenders.

Lender is Specialized Loan Servicing.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of all incorrect telephone numbers associated with my credit report. Please update my report to reflect my correct and current phone number : XXXX I have noticed multiple outdated and inaccurate numbers listed, which I would like removed immediately. Please update my file accordingly and provide written confirmation once this correction has been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX
Product: Checking or savings account

I can not open an account anywhere. I have a very common name and my ssn has been compromised years ago. I have multiple accounts places that I have no idea of opening.
Product: Checking or savings account

I had a deposit of {$6400.00} from XXXX XXXX into my TD Business Bank account ending in XXXX, at the time the account was in a negative balance of {$680.00}, I notified the bank I paid off the negative balance when the deposit entered the account on XX/XX/2022. I notified the bank I was currently on vacation in XXXX XXXX and I would need the remaining balance immediately, while doing so TD Advised me I would need to wait for 24-48 before I would be able to pick up the remaining balance from a TD Bank Branch located in XXXX XXXX XXXX XXXX As of today XX/XX/2022, that time period has lapsed, I am now being told I can not receive the remaining balance until after XX/XX/2022 doing so would put me in serious financial and personal situations which I told TD Bank repetitively XXXX I really need my money as soon as possible which is why I have XXXX direct deposit the {$6400.00} into my TD Bank account so I can use the money immediately. As of XX/XX/2022, I have had to sleep in my car without gas, no food, no way to purchase a flight or purchase my XXXX XXXX Every time I contact TD Bank I am told I must wait for another 24-48 hours and another and another. There is currently no solution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3300.00} Medical XXXX Balance Owed : {$260.00} Medical XXXX Balance Owed : {$260.00} Medical XXXX Balance Owed : {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX XXXX have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( XXXX ) and I am receiving my FBI report. 

This creditor in question has neglected my letters and not responded to my calls / emails. 

XXXX XXXX  ( XXXX XXXX XXXX ) on my credit report is fraudulent and not mine, although this account is being paid satisfactory THIS IS NOT MINE and I have let the FTC & CFPB know this. 

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "