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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the cfpb to investigation the issue with Lexington Law. they stated on there wed sit that they can remove item from your credit report. and that not true. they charge all this money stated that they can remove collection item from your report and your score would go in point. let me understand this Law practice as it state on they web -sit negative item for Late payment score Decrease late payment up to110 points .and debt settlement up to125 points foreclosure up to 160 points bankruptcy up to 240 points collection up to 110 points and hard inquiry up to 15 points. now I believe that the only way you can get an account off your credit report for negative is to pay that account creditor and ask they to delete from your credit but you do not get no 100 points for get a Negative as a collection. I got a collection item by pay the creditor there but by scores do not go back up to no 110 points on my credit report on all three credit agency, what the real deal here. it call misrepresents. because XXXX. XXXX  and XXXX  agency only give you 7-12 and not no 110 points look at there web-sit. Credit repair
Product: Mortgage

My home suffered a loss due to flooding on XX/XX/2016. My home is covered under a flood insurance policy from FEMA. NYCB is the secondary lien holder on the property and the total loan as approximately {$38000.00}. The claim for structural damage alone is in excess of {$61000.00}. On XX/XX/XXXX, a check was issued by FEMA as an advance payment to assist with paying contractors for demolition, dry out and repairs. The Check was made out to myself, my wife, XXXX XXXX as the primary lien holder and AMTrust Bank as the secondary lien holder. On XX/XX/XXXX, my wife and I went to a local branch of XXXX XXXX and the bank manager endorsed the check immediately. After that we immediately went to a local branch of AMTrust Bank of which NYCB is a subsidiary. We were informed that this would have to go their loss department by 1st class mail. A follow-up phone call was made on XX/XX/XXXX and at first it was explained that their loss department would have to review the claim and send out inspectors for the work before they would issue a check. I explained to the customer service representative that NYCB was n't issuing a check and that the claim is not with their bank, it is with FEMA who I am dealing with directly. After about 15 minutes of explaining that all I needed was their endorsement of the check, I was told that as the secondary lien holder, NYCB did not need to go through the lengthy process and would simply endorse it and send it back. The check has not arrived as of XXXX, and I am looking at liens being placed on my property from the cleanup company this week. A phone call to NYCB went to a voice mail system. My concern is that this lender is unreasonably holding onto a check that they are the forth signator on. I am especially concerned when the balance of the funds from FEMA arrive. My house is a complete wreck and hardly livable, yet this financial institution seems unwilling and uninterested in addresses these real concerns. I have had to slow down the course of work significantly due to the delay from this lender. They should simply be able to endorse the check as XXXX XXXX did and send it back to me without unreasonable delay. I am hoping to work through this claim as quickly as possible to get back a home after my loss from XX/XX/XXXX. FEMA 's adjuster is handling the claim and responsible for inspections.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I, XXXX XXXX have rights to privacy and rights have been violated. Pursuantb to fcra 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681 ( b ) ( a ) ( 2 ). i have not given XXXX, Equifax or XXXX any permission nor verbally nor written to furnish, sell or give away any of my information. I have opted out of them giving away any of my information and they have not abided by my rights to privacy. XXXX, Equifax or XXXX have verified or updated accounts without proof of what they used to verify them. the accounts in question are Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX these accounts should be removed immediately
Product: Credit reporting or other personal consumer reports

In a period of over 5 months I have sent letters indicating the inaccurate, erroneous information i have identified on my credit reports. Unfortunately, XXXX, Transunion and XXXX have failed to provide an honest and transparent investigation on my claims. Today I am filing a formal complaint. I will attach the proof of the letters i have sent. Please reach out to XXXX, Transunion XXXX XXXX and demand an investigation to be completed- I am also requesting proof of the investigation. If this is not done correctly as per the FCRA laws of investigating erroneous accounts I demand full deletion of the item in question. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is an account on my credit XXXX XXXX and it was closed now they have reopened it. I would like it removed from my trans union credit report
Product: Debt collection

I reviewed my credit report and noticed the alleged listed account. I sent a request for verification of the debt to the creditor in XX/XX/2022. After 30 days of no response or update, I reached out to the creditor again to gain information of the alleged debt. Its been roughing forty-five days and I have yet to receive a response or any information about the alleged debt. I am aware of the law stating that the creditor has 30 days to complete the investigation. At this point, this alleged debt is now illegally posted on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has failed to verify the information on the credit bureauXXXX XXXX XXXX XXXX XXXX The Bankruptcy Court has no jurisdiction over credit consumer reporting agencies and the court does not notify reporting agencies when a bankruptcy case is filed, nor can the court request that a specific record be changed. Information on your credit report has generally been reported by your creditors and is gathered from public sources by the reporting agencies. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Debt collection

I have disputed this debt numerous times for validation, and keep receiving updates as it has been validated but no proof. There is no signature, no contract, no proof of the bill, and no validation of the debt. There are two accounts from credit systems intl on my credit showing opened in XXXX for a utility bill, however I was not in that city in XXXX I was living across the state from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I spoke with a representative at Equifax regarding the reporting of inaccurate and undeliverable addresses being reflected on my credit report. Subsequently a dispute was filed. The following dispute results were mailed to me reflecting the addresses were deleted. *see attached document* When I pulled my credit report yesterday ( XX/XX/17 ) they were still on there. I have contacted Equifax again and they provided me with no assistance in removing what they were supposed to delete.
Product: Student loan

On XX/XX/2021 I received an email from Navient regarding a letter in my inbox with Navient. I reviewed the letter, and it was addressed to both me ( on the top line of the address ) and my son ( 2nd line of the address ). The letter addresses only me and by my name only, and informs me of options for making loan payments. It does not include my son 's name. 

Towards the bottom of the letter it details options for loan forgiveness and discharge. It also details if you are totally disabled to please call them. I wondered why they needed to know I was XXXX, so I called them. I called customer service XX/XX/2021 at XXXX XXXX CST and read the letter addressed to me and she told me this is a generic letter, and that I should " ignore '' this section. She informed me that this only applies to the borrower. I told her that the letter did not mention my son in the body of the letter, but simply only my name. I then told her that I felt like this was misleading. 

We have 5 loans, but will indicate only 1 loan with this complaint.
Product: Debt collection

I noticed this debt collection company has been listing a collections account on all my credit reports. I never received any correspondence from this company and never received a notice of right to dispute. After finding this account on my credit report, I have sent several letters via certified mail warning this company to verify the debt and if unable to delete this information from my reports asap. They have failed to respond and have failed to remove this account from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 someone logged into my Zelle account and sent {$1000.00} to this XXXX XXXX, Ive contacted my bank since then and made complaints and reports about this problem. I was told by an individual that had a similar situation that I should reach out to your company to get further help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 sent a letter to XXXX and Trans Union about XXXX XXXX XXXX account number XXXX. This was an auto loan repossessed XX/XX/2020. The letter stated there were inaccurate balances between the 3 major bureaus. XX/XX/2020 I Debt Validation Letter was sent to XXXX XXXX XXXX. I have never received a response to this request. XXXX Validation of Debt was sent to XXXX  and Trans Union for XXXX XXXX. XX/XX/2020 Second Validation of Debt was sent to XXXX  and Trans Union for XXXX XXXX XXXX XXXX I sent a letter to XXXX  and Trans Union stating some factual disputes and also that XXXX XXXX XXXX had not responded to my Validation request. XX/XX/2020 I filed a CFPB Complaint XXXX which included Trans Union and XXXX not reporting correctly according to the CFPB. XX/XX/2020 I sent a Debt Verification with specifics of the Process of the repossession, notifications, auction and payment history. This is the second time asking for validation from XXXX XXXX. I have proof this was mailed out. I also sent on XX/XX/2020 letter to XXXX Stating that a Debt Verification Letter had been sent to XXXX XXXX with all this information in it. XX/XX/2020 sent letter to Trans Union stating factual inaccuracies. I received notice on 1XX/XX/2020 from XXXX that XXXX XXXX Certified that the information was accurate. Also in that same report I saw where XXXX XXXX was adding fees to the total every month after the Charge off. Essentially late payment fees. In conclusion of this last part. XXXX XXXX XXXX did not notify XXXX of Trans Union I had sent them a dispute letter this last time either. it was not posted on my Credit report stating that. Also XXXX  was told by me in the last letter that I had contacted XXXX XXXX XXXX asking for Validation again and XXXX  still allowed XXXX XXXX XXXX to Certify the information was Accurate ignoring the FCRA. I have video of some of these documents being placed in envelopes and being dropped in the mail boxes. I have copies of certified mail receipts for some also.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquires listed below I have no knowledge of. Please remove them because I have not requested any credit from any creditor listed below. 
Transunion : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX I have a fraud alert on my credit file due to identity theft. Please assist in getting these erroneous inquires removed. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to update the information and addresses on my credit report. However, I was blocked by each of the credit bureaus. When I called to update my report via telephone, I was informed by the bureau representative that Barclays XXXX and XXXX  are the reason. They reporting a status of charge off each month and then closing the account. This is why I am not able to dispute the incorrect post office address portraying as a residential address that is currently in someone else 's possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  stated falsely that " We have reviewed your complaint along with the information you provided regarding this issue. Currently, the XXXX XXXX XXXX XXXX # XXXX account reflects a current balance of {$4300.00}. In response to this complaint, we contacted XXXX XXXX XXXX XXXX at XXXX, and verified the balance as {$4300.00} per the automated system. 

Please note that i am disputing the reporting of the above identified account on your XXXX credit report, and i specify the exact reason i am disputing the account. The account was never late or the balance is incorrect. The amount XXXX claims to be owed is false. How did you contact the company? An automated machine can not not tell you facts about the account. I tendered a payment for the full amount on XX/XX/2019. XXXX XXXX called me on Monday XX/XX/2019 at approximately XXXX XXXX i spoke to agent XXXX she explained to me that the call was a mistake and that they had received the payment in full for the amount of {$4300.00} and allow it to post within the next 48 hours. She also placed me on hold for 8 eight minutes and got a supervisor and manager to confirm the payment was received and they confirmed it was received.
Product: Credit card or prepaid card

First Digital Card is trying to get me to pay for a card I never used. 
I told them it was fraud, I ask for them to send me statements showing the purchases I made using this card. They were unable to show me. 
I am ask for a statement they will not provide a statement. I have never received a statement at my address. I called once they sent me a bill saying I owe the entire amount of the card. It had no purchase information just an amount I owe. XXXXirst Digital performed a fraud check. The reasons they gave were because, the identity information, matches mine, DUH! it is identity theft. they have no records of return mail or statements, because I never received them! A credit card was mailed to my home, So what, I never received it! Telephone calls were made from my phone but not when? I called asking about the status of my fraud case, that is all. they said i activated the card from my number? which number... so me the records. This is not my card. i would have loved to get the card because i need the money, but i will not pay for something i never received!
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in resolving a matter regarding my personal financial information. I believe there may have been an inadvertent error or oversight in the handling of my account with Discover. 

I am concerned that my personal financial information may have been shared with your agency without my explicit consent, potentially violating the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ). As you know, the GLBA requires financial institutions to protect the privacy of their customers ' information and obtain their consent before sharing it with non-affiliated third parties, while the FCRA provides consumers with certain rights regarding their credit reports. any consent is hereby revoked. i ask that all information pertaining to my files and accounts be removed from consumer reporting agencies and non affiliated third party. 

Specifically, under 15 U.S.C. 1681a-4 of the FCRA, consumer reporting agencies are prohibited from furnishing information to third parties unless the consumer has authorized such disclosure.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$560.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : $ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

My home was originally financed by XXXX. As best as I can make out, they sold it to XXXX. 
I was instructed, when this happened to submit my payments, online, on their website. 
I set up an account several years ago, and have been doing this, on time, and often with double payments. 
On XX/XX/XXXX, I logged in and submitted my payment, to be drafted from my bank, as I always have. I checked after submitting, and their records stated they had received my payment. 
I then went online on XX/XX/XXXX and made my monthly payment. 
I checked after submitting, and their records stated they had received my payment from my bank. 
A few week 's ago, I received a letter stating I had not made my payment in two months and was in danger of foreclosure.

After seven calls to XXXX, showing them where I had made my payments, they claimed to never have received it. So, I went to my bank to verify. My bank reported that XXXX had never submitted my request. 
I performed a direct pay from my bank account to XXXX in approximately the amount of XXXX. I then called XXXX again, checked my account, and it showed the money in the account on XXXX 's site. 
XXXX continued to say I had not made my payments, while the money was visibly in the account for all to see. 
After several phone calls, they finally applied the money to my mortgage. 
Two days later I received a letter saying XXXX had received two insufficient funds notices from my bank and that I was in danger of forclosure. They also said, going forward, I could only submit my payment via certified check or money order through conventional mail, that I was locked out of my account for XXXX months, until I could " prove my reliablity. '' I called my bank. My bank said that was not true, that XXXX never submitted my request. 
When calling XXXX, the XXXX states they recently were the victims of a XXXX  XXXX. 
When I bring this up to them, and tell them, I have done nothing wrong, they do not acknowledge their mistakes, and are endangering my home. I am feeling incredibly stressed, frightened, and terrified that they are going to try to take my home, and there is nothing I can do about it. 
My account is currently paid up. My next payment is due on the first, and as noted, I must go to the bank and get a money order, and physically mail my payment to them. 
From the very start, XXXX has had a very unreliable web site. Its behavior is very unpredictable. 
They simply will not acknowledge their company 's mistakes, and are victimizing, then blaming the victim for their failure. 
I am at a loss. I don't know where else to turn. I deeply need your assistance. 

Many Thanks, XXXX XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo has ruined my credit score and made it impossible for me to open a checking savings or business credit card. I had a secure credit card. They charged off XXXX in fees that they should not have. I have had issues where there were over 20000 in fraudulent charges when I someone cut my brake line in my truck and stopped me from working at XXXX XXXX
Product: Mortgage

Over the last 3 years I have went through several hardships. XXXX full term layoffs on unemployment and a divorce. I've been working with XXXX to retain my home and get a principal reduction and modification. I have been going through this process only to be denied for amount and time delinquent that I find at fault the the mortgage company PHH. On numerous occasions over the last 2 years they used the 60 and 90 day periods between XXXX visits not requesting a single document. Then several other times only requested statements, and stubs the things that go stale. After 2 years they deny my claim after building a huge file and say I can appeal. 3 months later I won the appeal and just received a trial that the payment is substantially higher than the original payment. No information on anything or why its so high. They sent paper work numerous times about an appraisal to revalue the house and nothing. My credit counselor advised me to write and see if there is anything you can do to assist me. I got my own appraisal and the house is worth almost $50,000 less than the loan. Several references show the house being worth XXXX. The loan is XXXX. On top of the payment being higher than ever.  Please assist. I would really like to keep my home. I've obtained great employment time and time again. Have done everything asked from me and won the appeal. Only to have the payment raised substantially.