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

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you 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. 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. 
Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I had a trial modification from Fay Servicing ( XXXX # XXXX ) as of XX/XX/2023. I made the first and second payments timely. I sent a money order for the XX/XX/2023 payment in timely and it was received by you. I then sent a money order for the XX/XX/2023 and it was sent back to me, marked by Fay Servicing with an overnight stamp on the money order. Fay then claimed the money order was unusable and sent it back to me, claiming that I had altered it. I rightfully requested that Fay bear the cost of replacing and re-issuing the money order, as it was in perfect negotiable form when I sent it to Fay. I sent the same money order back, and one of Fay 's representatives insisted that I had to bear the cost of replacing it AND that it would not even be sent back to me, leaving me in the untenable position of having to report it lost, wait XXXX weeks for a refund, OR try to scrounge up an additional {$1000.00} to make a second payment for XXXX AND Fay 's representative further threatened that I would be put into foreclosure if I did not jump through these hoops ultimately caused by Fay Servicings mishandling of a timely payment. I am XXXX, a XXXX  retiree and a veteran on a very fixed income. Fay has now unjustifiably, and in bad faith, cancelled my trial modification.
Product: Mortgage

OCWEN must be the worse mortgage servicer in the industry. We have tried to work with them for over a year to cure our delinquent mortgage payments, but we are just getting the runaround from them. They lose our documents, are hard to understand and denied our request for assistance because they can not get their process straight. We suffered through some serious financial trouble when natural disasters crippled  my husbands income and we had no choice, but to fall behind on our mortgage payments. We quickly recovered financially, but OCWEN has never attempted to work with us to get our loan current. They have never assigned a single point of contact and we continually are speaking with their representatives in XXXX. We can not understand them and their process has major problems. For over six months I sent them every document they want, but they say they never received the document and my file kept getting kicked out of review. When I finally got someone to look at my file, they advised that I already had on modification and there was nothing they could do. We have an FHA loan and I did get a modification in 2012, but I believe that HUD allows for a new modification every two years on home mortgages. We are certain that our FHA loan qualifies for mortgage assistance and want someone from your agency to get them to work with us to save our home.
Product: Checking or savings account

I reached out to Citi  XXXX XXXX Bank today regarding a bill payment. I established a automatic bill payment for {$1.00} monthly. This payment was set up for my local newspaper " The Commercial Appeal. '' I established this bill payment so I would not be charge a {$12.00} service fee. When I called customer service, I spoke with a gentleman named XXXX. XXXX explained to me that " technically '' this was not a bill payment. It is not a bill payment because it is not a check that is mailed each month. However, it is a monthly debit card payment. I thought debit card payments were also bill payments.
Product: Mortgage

XXXX Short Sale Negotiator XXXX XXXX XXXX  ( 2 minutes ago ) to XXXX, XXXX, XXXX   XXXX We have completed every single request that had been requested per the foreclosure department as we have a cash buyer at XXXX and this is a fair offer as she is about 10 months behind last amount of payoff XXXX. Ms XXXX has true hardship and we have rushed to have this completed to review for an approval of the short sale. Ms. XXXX submitted all these docs in XX/XX/2019, Truly, no reason not to assist the seller to complete the review. This would be horrible news to this seller for they have responded to every requirement of the Lender. The investor directed us to the Foreclosure dept. and foreclosure dept sent us to Loss to make sure all docs were in review to stop this sale.
Product: Money transfer, virtual currency, or money service

I received notice that there was a {$700.00} unauthorized charge from my XXXX  to some woman named XXXX XXXX ( though this might be fictitious ) with the user name XXXX. I tried to request the {$700.00} back, even though I knew that would be futile, but I got the message " We're sorry, the transaction could not be completed. Please contact the person you are trying to pay. '' The date of the payment was XX/XX/2018. I am not familiar with the person who was paid ( XXXX XXXX with the user name XXXX ). XXXX 's payment feed showed no other payments, so I am guessing that this a fictitious pseudonym used for the one fraudulent transaction.

Following the Unauthorized Charge Procedure in the user agreement, I contacted XXXX. I received a reply back that XXXX   's investigative team would contact me within 1-2 business days. Instead, I had to wait 8 days. On the 8th day I received an email from the investigative team asking for more information. Shortly thereafter, later that same dame, I received follow up email at XXXX XXXX EST informing me that XXXX  had " received the dispute. '' Within two minutes, at XXXX, I received an email informing me that my dispute had been denied. That was it, an entire two minutes to analyze my case. That is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXXXXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, and possibly more resulting in a data breach in XXXX/XXXX 2017. They confirmed that I was affected by their " Potential Impact '' site www.equifaxsecurity2017.com They have put myself and millions of others at risk of identity theft/fraud.
Product: Money transfer, virtual currency, or money service

This complaint is against CITIBANK ONLINE banking services. I have an Accelerated Savings ACCOUNT with CITIBANK ONLINE. Since XX/XX/2022 I have been trying to get my {$100000.00} out of the CitiBank, and close the account. I have spoken to at least 10 CITIBANK employees, all of whom are in the XXXX and all of them gave me wrong information. I opened a CITI checking account SPECIFICALLY to transfer my money to my XXXX XXXX XXXX ACCOUNT, via XXXX. I did everything they told me. XXXX transfer limit is {$25000.00} : how am I going to transfer {$100000.00}, {$2500.00} at a time. The telephone employees told me I would receive checks and an ATM CARD : I never received any checks or ATM. For 2 months, I called CITIBANK every week. I CALLED several times, getting different information every time, but they would not offer me any other way to get my money wired. 
Finally on XX/XX/2022, I was able to wire {$50000.00} from my CITIBANK ACCELERATED SAVINGS account to my XXXX XXXX XXXX checking account. 
Then on XX/XX/2022 I submitted a wire request for {$50000.00}. 
It is XX/XX/2022, and I received an email from CITIBANK stating : Your wire transfer is on hold Please call us to verify your information. 
Hi, XXXX. We previously tried to contact you about some information we need to complete the following wire transfer from your SAVINGS account. Since we were unable to reach you, it's currently on hold- please call us as soon as possible at XXXX. For TTY : Use XXXX or other XXXX XXXX. If we don't hear from you by XX/XX/2022, we will have to cancel this transfer. 
Wire Transfer Details Amount XXXXXXXX XXXX  XXXX XXXXXXXX XXXX  Date XX/XX/2022 Transfer Type Domestic I called CITIBANK ONLINE 3 times : no one could tell me what information is needed. So there is nothing more I can do, except wait. They state in this email that they will cancel this wire transfer if I dont contact them today. I did contact them. No one knew anything about more information they needed for the wire transfer to go through. So, again, I can not access my money. This is fraudulent. Every Citibank employee misinformed me. I got NO ACCURATE, HONEST NOR COMPLETE resolution.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also XXXX2 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I XXXX XXXX I am opting out of your reporting services.
Product: Credit card or prepaid card

Company - US Bank Reliacard Issue - Account was locked out without notice at the end of XX/XX/2020. At this time, there is no access to any PUA money that was dispersed to the account via online, transfers, ATM, etc. 

35 phone calls have been made to US Bank Relicard, each time with a different answer and excessive wait times. The requested information ( proof of identity ) has been faxed to US Bank Relicard 4 times, each time to a different number as provided by customer service. No one ever has an answer other than " check in 4-6 business days ''. Then when you call back, they request the proof of identity to be faxed again. 

Over 7 weeks have gone by with no access to PA PUA Funds.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX XXXX XXXX  services To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 

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

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX  XXXX XXXX {$97.00} XXXX XXXX {$470.00} SOC SEC ADMIN OFFICE O XXXX {$23000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I engaged the chat function on TransUnion.com website, after successfully logging in. The reason for wanting to engage with someone for help on TransUnion was their company was not allowing me to access my Credit File to check it for accuracy. I was connected to a chat agent named XXXX. XXXX informed me that while I have XXXX open Disputes that are active, I can not access my Credit Report, or even see any status on my open Disputes. 

I believe this is a violation of FCRA and/or CFPB. If there was any suspected fraud occurring or even if there was not, and I was monitoring for any reason, such a home purchase or even applying for a credit card, everyone should be able to access their report. This is my information. TransUnion only uses it to make money by selling my information.
Product: Credit card or prepaid card

I paid my XXXX card off in full on XX/XX/XXXX17. They then charged me a late fee and interest and have been charging late fees and interest evey month on the original late fee. that is now well over {$100.00}
Product: Credit reporting or other personal consumer reports

I have submitted several complaints to CFPB and disputes to Equifax regarding these accounts. Per Consumer law 15 U.S. Code 1681i ( 5 ) requires the removal of inaccurate information, also Equifax is violating 15 U.S. Code 1681 e ( b ), which is Failure to Maintain Maximum Possible Accuracy, Credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of inaccurate accounts on my report directly contravenes this mandate. You are violating 15 USC 1681 s-2 ( b ) ( 1 ) ( A ) among other laws. A reasonable jury will find that you Equifax are in violation of 1681 s-2 ( b ) where you did not look beyond the information contained. Other laws that were violated are as stated, Equifax did not Remove all listed accounts from my credit report immediately, as they are not valid, did not Provide me with a detailed explanation of how the investigation was conducted, as per 15 U.S. Code 1681i ( a ) ( 7 ), nor did Equifax Provide evidence of verification from the furnishers of this information, as per 15 U.S. Code 1681i ( a ) ( 1 ). Per my FCRA Attorney Equifax has violated these same laws in the past according to court documents for example XXXX XXXX Equifax Information Services LLC, XXXX : The plaintiff was awarded damages due to Equifaxs failure to correct inaccuracies on her credit report despite multiple disputes, XXXX XXXX Equifax XXXX XXXX, XXXX : Equifax was penalized for negligence in addressing disputed accounts, highlighting the importance of compliance with FCRA requirements, XXXX XXXX Equifax Information Services LLC, XXXX : Equifax was held accountable for reporting erroneous information even after multiple disputes and faced significant penalties. I submitted a CFPB Complaint on XX/XX/XXXX which is still open on CFPB site but on Equifax portal dispute was closed in one day, CFPB complaint is still open for XX/XX/XXXX but closed on Equifax portal in three days. There is NO WAY A PROPER INVESTIGATION was done in 1-2 days. Equifax is closing my disputes without proper investigation just like the lawsuit states against them and XXXX just like the CFPB stated in court. I have attached Data Breach info, ID, The disputes on their website they closed in 1-3 days and my FTC Report for Data Breach Accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to dispute it but its closed and not off my credit report
Product: Credit reporting or other personal consumer reports

I request that XXXX XXXX remove this vehicle and all associated balances from my three credit reports, along with any accounts listed in my name. This request is due to the fraudulent alteration of the original account dates, which were changed from XXXX to XXXX for personal gain. Additionally, I want to clarify that I did not open this account and have never been in possession of this car.
Product: Debt collection

On Wednesday, XX/XX/2021 at XXXX XXXX  Eastern Time, I received a phone call from Navient. Navient is a debt collection agency & was attempting to obtain information from myself on a defaulted student loan ; a loan that belongs to an EX-WIFE and I'm NOT a signatory to that loan. Furthermore the defaulted student loan is about 30 ( thirty ) years old. I am NOT responsible for my EX-WIFE 'S defaulted student loan that I am NOT a signatory thereof from 30 ( thirty ) years ago. WHY I was even contacted is a mystery to me as I'm an EX HUSBAND plus this is 30 ( thirty ) years old I do NOT have an account with this company, I do NOT have a student loan and I do NOT have any information on my EX_WIFE that I divorced 27 ( twenty seven ) years ago. 
Results : All I received was a ' ' we won't call you again ' " - a vague promise that I don't believe. WHY did Navient call me in the 1st place given taht I have zero association with this debt in the first place?? 
I have called this company TWICE, not 3 times like " they '' claim & sent 1 email to 1 ) resolve this & 2 ) to expunge my name, address phone number and any other information " they '' have from Their system plus a permeant do not call or contact enacted. 

Navient I DON'T have a student loan account with you It's my EX_WIFE 'S student loan. This NOT my loan I am NOT responsible for HER debt from 30 years ago, I'm NOT a signatory to HER student loan XXXX XXXX XXXX XXXX original message On Thursday, XX/XX/2021, XXXX XXXX  EST, XXXX XXXX wrote : Hello, We have received your correspondence regarding your student loan account. We are working to get answers, but need time to research your account. We will contact you with a response as soon as we can. We appreciate your patience. 



Please call us at XXXX if you have any questions. 



Social Media Team Navient
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX Account Name : XXXX XXXX  Their Address : XXXX XXXX XXXX FL XXXX XXXX, FL XXXX Phone number XXXX and Account # XXXX Account Name : XXXX XXXX XXXX, Their Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number XXXX have 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
Product: Credit reporting, credit repair services, or other personal consumer reports

hi i have a bill from, portfollio recovery associates for = XXXX from a XXXX XXXX 2, and Copiers 2, and Fax Machine 2, Line of Credit from XXXX XXXX, When i Got the Computers someone Tried to Stop me from using it from the Emails and the XXXX XXXX and XXXX and Getting a Job and Justice Reporting on Crimes it was Hacked into XXXX before i got it, plus i called the XXXX XXXX and tried to Clear this up 4 to 7 times they just blew me off and said will email you, Now after this XXXX XXXX Credit, theres a XXXX XXXX XXXX Case on etc VS Etc i never got that Info or $ Check SDettlement from the XXXX or XXXX on the Card i Got in Mail Vs etc Vs etc the bill is = XXXX Month Opened XX/XX/2017 i, l send the Bill And Report, I would like to be Fully Reimbursed of my Credit to my Credit Bureaus and Paid for Financial Losses from a Hacker or Set Up from XXXX XXXX or there Court case... The Amout i please want to be paid is = {$300.00} Dollars period within 7 to 10 days paid and my Settlement Check would be nice if helped Out Please By XXXX XXXX by