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 : Accounts : XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX 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 requested that XXXX and to XXXX to remove fraudulent inquiries off my credit report they rejected my request. Told me to call the creditors thats not my job these are fraudulent inquiries I request they be removed all documentation has been sent many times and yet these inquiries still remain. Both Transunion and XXXX will not apply to my request
Product: Mortgage

On XX/XX/XXXX, our mortgage lender, Mid-Island Mortgage Corp., notified us that our hazard insurance was expiring and asked us to provide insurance information. When we contacted our insurance company, XXXX XXXX, to request information on our policy renewal, they informed us that our policy had been canceled on XX/XX/XXXX because our lender had failed to pay our premium out of our escrow account. We had been without hazard insurance due to Mid-Island Mortgage 's payment error, and they had not notified us that there was an issue. 

We immediately asked XXXX XXXX on XX/XX/XXXX to reissue a policy for us, which they did. The new policy was issued on XX/XX/XXXX. 

After repeated attempts to submit information about the new policy to Mid-Island ( including conversations with customer service representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), Mid-Island acknowledged our new coverage and issued a check on XX/XX/XXXX to pay the premium on the new policy in full. However, on the check they cited the policy number of the canceled policy, causing XXXX XXXX to initially apply that payment to our canceled policy. However, XXXX quickly realized the error, applied the XX/XX/XXXX payment to our active policy issued on XX/XX/XXXX, and notified us of the error via email. We believed all issues had been resolved at that time. 

Yet on XX/XX/XXXX and again on XX/XX/XXXX, we received notices from Mid-Island Mortgage about our lapse in coverage from XX/XX/XXXX to XX/XX/XXXX. They insisted that we provide proof of insurance coverage during that time, or pay an insurance charge of {$1700.00} to them. I spoke with XXXX in the Resolutions Department on XX/XX/XXXX regarding this matter. She claimed that Mid-Island had issued a premium payment in XXXX, but said it was returned to our escrow account on XX/XX/XXXX. No one from Mid-Island had followed up on this return of funds at the time, or notified us that there might be any issue with the policy. I told her that I had documentation from XXXX regarding their communication with Mid-Island, which she asked me to send her on the communication portal. When I forwarded that information, however, I was notified that they were unable to open the PDFs, and that again I needed to provide proof of insurance coverage from XXXX or pay the {$1700.00} insurance fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XXXX XXXX and I have not heard anything from Transunion, XXXX  or XXXX regarding my disputes. 
I am disputing : Chapter XXXX bankruptcy chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX  late payment XXXXXXXX XXXX XXXX unauthorized Inquiry XX/XX/XXXX XXXX  XXXX unauthorized INQUIRY XX/XX/XXXX XXXX  XXXX credit unauthorized inqury XX/XX/XXXX XXXX XXXX XXXX unauthorized inquiry- XXXX XXXX XXXX XXXX XXXXXXXX unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Incomplete and unverifiable XXXX XXXX  XXXX Inaccurate & imcomplete
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 federal protected customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX debt amount {$100.00} XXXX XXXX XXXX debt amount {$930.00} XXXX XXXX XXXX XXXX debt amount {$100.00} 15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish an account without written consent.
Product: Debt collection

ERC has suddenly appeared on my credit report. They have never once sent a letter or notice to me. They are unhelpful on the phone and will not verify the debt. I do not know what the matter is.
Product: Debt collection

I WANT A REQUEST A COPY OF THE 1099 C FROM THE FOLLOWING COMPANY SANTANDER CONSUMER AND THEY REFUSE TO ISSUE IT TO ME I WILL LIKE THEM TO SEND ME A COPY OF THE 1099 C BECAUSE THEY SAID ON MY CREDIT REPORT THEY HAVE THEY USED IT AS A TAX WRITE OFF THEY CAN SENT IT TO MY EMAIL XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The accounts listed below has violated my federally protected rights of privacy and confidentiality under 15 USC 1681. 

I informed XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  XXXX  # XXXX, XXXX  # XXXX, and XXXX XXXX XXXX  # XXXX. 

However, they stated everything was complete and accurate which was a lie. How is that possible when the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to ensure 100 % accuracy and modify or delete accounts that are not reporting correctly.

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

These people are hindering my ability to get or obtain good credit due to their illegal actions.
Product: Money transfer, virtual currency, or money service

I previously filed a complaint ( Complaint ID : XXXX ) regarding being locked out of my Robinhood account despite attempts to regain access. The companys response was inadequate, and the issue remains unresolved.

Robinhood claimed my email address on file was unverified and outlined a process requiring verification via a link sent on multiple occasions. However, I never received these emails. They also indicated they contacted me via phone and alternate email, but this outreach was ineffective. The call was dropped, and follow-ups via alternate email were either not received or failed to resolve the issue. 

On XX/XX/year>, Robinhood Support stated that resolution steps were communicated, but I did not receive any meaningful assistance. The company alleges I failed to provide requested documentation to update my email address, yet I have no record of these requests or the ability to follow through due to their flawed communication methods. 

The issue remains that I can not access my funds. Robinhood 's processes have effectively denied me my right to retrieve my money. I have repeatedly asked for my funds to be returned, yet I am still locked out of my account and unable to resolve this matter despite their claims of resolution. 

Desired Resolution : I demand the immediate return of my funds deposited into my Robinhood account. If the account can not be accessed due to their flawed verification system, they must provide an alternative method to close the account and refund the balance.
Product: Checking or savings account

On XXXX XXXX, 2022, I notified Navy Federal Credit Union of a missing refund from XXXX XXXX. This refund amount was to be for {$860.00} x 2 ( for two tickets ) on account number XXXX. I provided NFCU with a refund receipt from XXXX XXXX as well as an email they sent to me on or about XX/XX/2022. As of XXXX XXXX, 2022, the claim is not resolved and they are informing me that they will require beyond the 10 days necessary for the claim. Yet, they are not providing a provisional credit. It is my understanding under Regulation E this is required in the event of an error that is not able to be resolved within 10 business days. 12 CFR 1005.1
Product: Student loan

I've sent emails to Nelnet, my student loan server, on several occasions with no response. I waited the alloted 5 business days and they still have not completed my request. My student loan payment was due on XX/XX/2020 and I paid the full amount on XX/XX/2020. On XX/XX/2020 I received an email from Nelnet advising me of the Forbearance due to the COVID-19 pandemic. I read through the FAQ 's regarding the Forbeance, which stated this went into affect XX/XX/2020, and if we already have made our payment, we can request it be refunded without penalty. I emailed Nelnet on XX/XX/2020, provided my account information and requested a refund. By XX/XX/2020, I still had not recieved a response so I sent a second email. It is now XX/XX/2020 and I have still not received a response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month i sent out some documents to TransUnion, XXXX  and XXXX credit reporting agency about a late payment that saw on my credit report. I submitted all the right documentation to use the CARES ACT to show that the alleged late payment should not be counted against me since i was affected negatively by the pandemic. The pandemic has hurt alot of us and the Cares Act is in place to help us ease the suffering especially financially. Please help me bc it doesn't sound like they will honor the cares act I called in and they refused to validate and remove the other late payment. The account is open and in good standing at the moment but they will not honor the CARES ACT here. Please help this is causing me stress and severely hurting my credit.
Product: Checking or savings account

Subject : Discrepancies in Recent Account Statement Dear BOA Customer Service, I hope this message finds you well.I am writing to bring to your attention XXXX errors in my recent account statement dated XX/XX/2024. The details are as follows : XXXX. Autopay Error BOA Confirmation # : XXXX autopay setting for BOA credit card account XXXX processed a payment despite an ending balance of XXXX as of XXXX XXXX XX/XX/XXXX statement for BOA credit card XXXX shows an ending balance of XXXX. Despite this, an autopay transaction was processed. I called customer service on XX/XX/2024, to request a refund due to this system error XXXX XXXX. Human Error in Transaction Fees Reference # : XXXX incorrectly used my credit account to process a refund related to the error mentioned above. Shouldn't deduction of XXXX was made on XX/XX/2024, confirmed by # XXXX. transaction type as fees.? BOA let customers pay for their mistakes. Such errors should not occur and are concerning. 

XXXX. Unresolved Issue at Local Branch On XX/XX/2024, I visited my local BOA branch. one bank staff member assisted me in a conversation with the person responsible for the error, but he insisted there was no mistake. Additionally, I have found it challenging to file a complaint through the BOA online " Help and Support '' system, which only caters to merchant transaction issues and does not address internal system or employee errors. I kindly request a review and correction of these discrepancies. 

Thank you for your attention to this matter. Sincerely, XXXX XXXX Email : XXXX Phone/Text : XXXX
Product: Mortgage

This company was selected to assist in the closing of my home on XX/XX/year>. Throughout the entire process, their staff was unprofessional. I was asked " did I read '' my disclosures bc I asked a question. It was also mentioned to me that staff had not taken a lunch as to indicate there were too many concerns/issues and that the process was taking too long to their liking. 

After the sale, an issue arose with the XXXX XXXX with my property. I informed my attorney and he reached out to the title company. He informed the title company that XXXX of XXXX  on my deed and commitment were incorrect. The title company replied that they only insured XXXX of the PINS and has not provided any other feedback regarding the matter. 

The issue is that the Deed and XXXX both have XXXX XXXX. Therefore, there is some acknowledgment that XXXX XXXX  were to be insured. 

How did XXXX XXXX  transfer the DEED? Who provided the PINS to be insured by this title company? Who provided those XXXX? Who is responsible for confirming the XXXX. To my understanding the title company is to research and insure the title of the home being bought. 

I need answers from the title company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the Equifax credit reporting agency to inform them that 1 ) the  information reported by XXXX XXXX XXXX aka XXXX is intentionally isleading and false. I to ; d them Ive traveled back to TN to address and resolve the issue, Ive notified their property management company XXXX XXXX executives all issues I addressed in my complaints and filed with the courts, and the fact I won a judgement and it is final, against the XXXX XXXX XXXX dba  XXXX XXXX XXXX. I requested that bothEquifax and the XXXX XXXX XXXX  ( by way of XXXX XXXX XXXX XXXX ) remove this negative file from my credit report. Now, Im filing this complaint against Equifax, since they are refusing to remove this from my credit report. I provided Equifax the certified judge, ent, the action filed ( that I won ), and all supporting evidence.
Product: Money transfer, virtual currency, or money service

The company continued to put my account in the negative. The company was allowing transactions to go through without my permission. My money would disappear often this has happened over and over again between XXXX in the amount of around {$2500.00} or more in stolen funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : ( XXXX ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I have NOT given permission for ( XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b . 

Equifax must remove all information reporting from and relating to ( XXXX ) including third party debt collection accounts associated with ( XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

XXXX Equifax Account # :XXXX Account Type : Revolving Account Type - Detail : Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened:XXXX Balance : {$0.00} No. of Months ( terms ) :0 High Credit : {$2500.00} Credit Limit : {$0.00} Past Due : {$0.00} Last Reported:XXXX Comments : Account transferred or sold Charged off account Date Last Active:XXXX Date of Last Payment:XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Associated with XXXX  XXXX and accounts ending in XXXX and XXXX Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. 
Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl. 
Provide me with all documentation used to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Supporting Documents
Product: Checking or savings account

On XX/XX/23 we wrote a check for {$100.00} to XXXX University XXXX. It was washed and turned into a check for XXXX XXXX for {$2600.00}. The signature on the new check was obviously forged. This transaction appeared on our XX/XX/23 statement which I do not remember receiving. XXXX and XXXX were hectic for us as we were dealing with family health problems. When we looked at our XXXX statement on XX/XX/XXXX we immediately contacted US Bank. We also made a police report. We waited to receive the fraud paperwork requested by US Bank. We filled out all the paperwork, affadavit, duplicate of the original check and on XX/XX/23 we sent it to the US Bank XXXX department. Our local US Bank, XXXX Il XXXX, office faxed it for us. We received a letter dated XX/XX/23 from the XXXX department stating that they needed further information. We did send everything needed on XX/XX/23, so we just resent everything. On XX/XX/23 we received a letter dated XX/XX/23 informing us that our claim # XXXX had been denied for the reason- CUSTOMER DUTY TO EXAMINE STATEMENT -30DAYS. They claim it is FDIC rules, Uniform Commercial Code 4-406. On the letter they write ' The Universal Code 4-406 states that a customer has a responsibility to report any items that have been forged or altered to the bank within a reasonable time not to exceed 30 calendar days. ' I do not feel our notification to US Bank was grossly negligent. Where is the responsibility of the banks involved to verify the identity of the person cashing this fraudulent check or the bank cashing a check with a signature that was obviously not my husband 's. If this 30 day rule is steadfast why were we not told as soon as we put in a claim for something over 30 days? We responded to the denial by going to the bank where we told to call the fraud department. The fraud department was firm on their denial. Please let us know how to appeal this decision. All documentation is available upon request. 
-affadavit of unauthorized paper XXXX XXXX copy of original check -copy of forged check -police report receipt -correspondence letters with US Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

I have initiated XXXX separate disputes with Experian for XXXX XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and Experian has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX 's address and sent them XXXX letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!! 

XXXX XXXX