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

I contacted TransUnion and XXXX to inform them of errors and inaccurate information on my report. The first contact was XX/XX/2018 there were items resolved at that time but not all. The second contact was XX/XX/2018 at which time the following items were addressed but remain on the report still : I started the process of seeking a loan and discovered my credit had been compromised. Someone has accessed and used my credit without my authorization. Accounts and Inquiries now appear on my credit report that are inaccurate. I have contacted the police department and filed an identity theft report. I am a victim of identity theft. The information listed below, which appears on my credit report need to be updated as follows : The following name is NOT my name XXXX XXXX, please remove from my report. The following accts have NEVER been late, please cease reporting as late XXXX/ XXXX XXXX acct # XXXX ; XXXX acct # XXXX ; XXXX XXXX  XXXX acct # XXXX. This is my third letter with the same accts and information still being reported inaccurately. I will pursue this issue until I receive an accurate credit report. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please block/remove these files. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00} and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. This is mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of item which is UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/2014 Balance : $ XXXX
Product: Student loan

I submitted a recertification of my IDR to Fed LoAn Servicing. However, I was not required to do so until XX/XX/2023. I contacted Fed Loan Servicing to cancel my IDR but my request was denied because it was still being processed. I later resubmitted a request to retract my IDR once I received the letter confirming its implementation, and I was assured that this time the request would be approved within 1-2 weeks. I have still not heard back from Fed Loan Servicing and I need the IDR reversed before the loan terms are transferred to XXXX in a few weeks. The servicer is clearly attempting to dodge my requests, and the issue has not been resolved in a timely manner. I am legally not required to submit a new IDR for another year, and therefore, my calculated payment should be returned to the same payment as it was pre-pandemic before the loan freeze. I would like a letter from my fed loan to confirm this!
Product: Credit reporting or other personal consumer reports

The company XXXX XXXXXXXX XXXX XXXX and I have the same understanding regarding the late payment reported on the account XXXX. However, there needed to be a better understanding of the payoff date. A late payment was reported in XX/XX/year>. This loan was initially a XXXX loan but was extended to 76 months due to a skip-a-pay feature. This caused the payment to be reported as late a month before the balance was paid in full.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA ( XXXX XXXX ) ( account # XXXX ) has violated my rights 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 consumer reporting agency can not furnish a account without my written instructions. 
Exposed to data breach 605 b
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted experian multiple times and no proof of method of investigation. XXXX and XXXX  deleted the XXXX XXXX because they found they information was wrong and incorrect.
Product: Mortgage

When my mortgage company Mr. Cooper, changed my mortgage servicer to XXXX XXXX, I set up auto pay with the new servicer. The auto pay deducted my mortgage payment every month for well over a year. Without notice, in XXXX, the mortgage servicer didn't deduct my payment affecting my balance and assessing a XXXX late fee. I never canceled auto pay. All the servicer will say is that my auto debit was disabled. No explanation. And they will not allow me to re-enable it.
Product: Student loan

XXXX XXXX was previously my student load holder and my loans were move without my approval or knowledge to XXXX, which managed my loans. I have been paying the loans since XXXX and it's XXXX and I am still paying the loans. The loans ballooned from about {$6800.00} to know {$38000.00} not almost 30 years of payments. The loan has been improperly managed. I reached out to XXXX  about the status of the loans in XXXX - XX/XX/XXXX and analyst advised me to consolidate my loan to a Federal Loan servicer because my loan was eligible for forgiveness based on me paying the loans for over 30 years. I listened to consolidated my XXXX  loan per their advice to Aid Advantage. Upon consolidating my loan with Aid Advantage, they said it was a new loan and there was no history of 30 years of payments on the loan. The term of the loan then got longer, and interest rate got higher and they basically told me I started a new loan and no forgiveness has been granted. I had filed complaints with the XXXX  XXXX XXXX and still no action has been taken. XXXX  misled me and provided fales and inaccurate information repeatedly over the course of the loan. This has caused me great grief and continues to do so. I have been paying this loan for over have my life and the balance just gets bigger. XXXX  has terrible practices and it's heartbreaking they steered me into forebearance on multiple occasions, as well as provided bad loan counsel and advice. The payments on my loans were excessive and no matter how much I paid -- they just continued to grow rather than go down. I want XXXX  held accountable for their practices.
Product: Credit card

My Chase credit card limit was reduced from {$12000.00} to {$2100.00} on XX/XX/XXXX for XXXX credit card ( XXXX ) that I have had since XXXX with that credit limit. I have had the same credit limit since that time and have consistently either paid over the requested payment amount or paid it in full. There was no reason my credit limit was reduced and I was not notified by mail, only on the " notices and letters '' function on my online account ( which was not readily seen ) with no other email alert or any indication that this was occurring or that I had a right to have the action occur in advance and that I had a right to an appeal. The only way I found out was when I used the card on XX/XX/XXXX for a rental car while on vacation and was told it was declined when I only had a balance of {$1700.00} on the card- well under my {$12000.00} credit limit! I was stunned, embarrassed and confused as to why this had occurred. I contacted Chase and was told that it could be any of these reasons : they looked at my other accounts where I had outstanding credit balances and my credit usage was high ( none of their business! ) since this was an existing card- not a new application for a card and a history of low payments relative to balances -Completely false, and untrue in fact the opposite is true. I also noticed that another Chase card limit ( XXXX ) was reduced on XX/XX/XXXX from {$44000.00} to {$40000.00} that I have had since XXXX and also paid {$500.00} per month ( more than the minimum payment ) and recently paid {$20000.00}. I have just paid the other card in full as I don't want any further business with Chase as their practices are unethical, and abhorrent. They must be having difficulties in their business to begin treating their customers in this shady manner.
Product: Student loan

*EXPEDITE* I have contacted the Ombudsman group numerous times regarding a loan that is listed on FedLoan 's website as having been borrowed and disbursed in 2012. I did not attend college in 2012, I did not apply for FASFA in 2012. There is no possible way that I could have a loan disbursed in 2012. I contacted the CFPB about this before and was refereed to the ombudsman group. FedLoan servicing said that all there info is correct but it is not. The ombudsman group website has been absorbed into the federal aid website and there is no way to check on an ombudsman group complaint now. Basically I 'm waiting to be sued by the federal government at this point so that a judge can help me. FedLoan servicing is literally ruining my life. I ca n't EVER get married or have children at this point unless someone solves this issue. FIX THIS NOW!
Product: Bank account or service

Hello, I am a XXXX agent, I am working on a short sale and US Bank is holds the XXXX lien. I have documented EVERY conversation, email and fax. They have not responded to ANY communication since XXXX, and I have a pressing need to get the file assigned to a negotiator. The XXXX mortgage is with XXXX and they are already reviewing the file. They will likely give me an approval within XXXX weeks and US Bank has n't even confirmed a complete package!
Product: Checking or savings account

Truist bank offered me a {$300.00} bonus for opening in account and having 2 deposits totally {$1000.00}. 
Within 90 days, social security took 75 days to make the first deposit. 
Social Security made a test deposit 30 days before that. Truist says that I do not qualify for the bonus. I believe this is false advertising and knowing that it takes At least seventy five days for the first deposit in social security which means it's impossible for me to have two automatic deposits within ninety days which is what their promo was for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please have the following items remove from my report they do not belong to me. 
Company : XXXX Account:XXXX Company : XXXX Account:XXXX Company : XXXX XXXX XXXX Account:XXXX Company : XXXX XXXX XXXX   Account:XXXX Company XXXX XXXX XXXX XXXX Account:XXXX Amount : XXXX
Product: Mortgage

Selene Mortgage is currently holding my mortgage. Loan # XXXX. I just discovered, I have been paying for XXXX homeowners Insurance and I asked them why, they could not verify the answer. 

At the time of closing, I have purchased the XXXX, which was XXXX XXXX XXXX XXXX, but after 8 months of paying the mortgage I discovered, I have been paying for XXXX HOI, when the lender took an expensive one of their own, which is now costing me {$6000.00}. My own premium is half of the cost which I paid in full for {$3000.00}. I have asked the lender to cancel their {$6000.00} XXXX & keep my purchased insurance. I have made XXXX calls in the last XXXX weeks and as of today, I have not heard from them.
Product: Payday loan, title loan, or personal loan

I call Santander collector Department XX/XX/2020 and XX/XX/2020. Iam being unfairly treated .I covered this with a representative on the places and was assured I would see no late payments. This impacting my ability to get my mortgage.
Product: Credit reporting or other personal consumer reports

I have attached a copy of my consumer credit report I don't recognize accounts collections as a result of identity theft and fraud. per acct ref identity theft XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$35000.00} XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5200.00} AMEX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account XXXXtatus : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5800.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  + XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 + XXXX ( XXXX ) XXXX I have recently obtained a copy of my credit bureau-XXXX XXXX, Equifax ) credit report. It showed a credit inquiry by the companies listed below that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry 's removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 

I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did not have my authorization to inquire into my credit report then please send me proof of this fact. 
Thank you very much. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I booked a room with XXXX in XXXX XXXX XXXXXX/XX/XXXXor my fiance and XXXX kids. 
The listing I booked included a balcony and beachview. I booked this listing for those XXXX specific amenities. 

I arrived at the hotel on XX/XX/year>. While checking in I asked the receptionist which floor is my room on. She smirked and said, ground! I informed her and showed her on my phone at the listing I booked. In front of other guest she loudly saud, I dont care what you booked, either you can take what Im giving you or go somewhere else. 

It was the day before the XXXX of XXXX there wasnt any vacancies anywhere around, so swallowed my pride went around to the room. When we got to the room it looked like a XXXX XXXX, it smelled, the A/C nor the hot water or tv worked and NO BALCONY!! 
We went back to the lobby and asked for our money back the same rude foul mouth lady said that she was the supervisor and it was up to her and she wasnt giving me nothing back. 
Embarrased we had no other choice but to go back to the room. We called numerous times about the A/C and hot water, yet they never came. 
Our booking was for XX/XX/XXXX - XX/XX/XXXX, we left on the XXXX, a day early, as the heat with no AC nor hot water became unbearable. This receptionist ruined and my familys trip and scammed us out of our money. Rooms are broken down into different category depending on the amenities, I specifically and paid for what I wanted yet I got nothing but embarrassed and my money stole. Ive spent over $ XXXX with XXXX over the lastXX/XX/XXXX years only to get treated like trash. 

I contacted Chime and filed a dispute around noon on XX/XX/XXXX, around XXXX the same day Chime responded with a denial, with no explanation. There is literally no way possible Chime investigated anything! Theyre literally taking my money without a care. This is not fair and is definitely bad business. Chime needs to show how they came up with this decision. There is literally no telling how many other customers Chime has this to, but I will not go down without a fight! 

I want my money back! 

{$1100.00} I will not be scammed out of my hard earned money!
Product: Credit reporting or other personal consumer reports

By and through the United States of America Administrative Procedure Process, U.S.C.S.TITLE 5, and 28 U.S.C. 1333, or 1337 gives you notice of " DEFAULT/JUDGEMENT '' will/shall/must issue for non-response for " NOTICE '' by your tacit admission, And collaterally-estoppel by Res-Judicata for any further proceedings, First cause of Action : Acquiescence/Nonresponse to Failure, By Not following the Check Clearing for the 21st Century Act, aka Check 21 system, which has caused me Injury and Damages ; Second Cause of Action ; Acquiescence/Nonresponse to Failure, By Not Following by THE NEGOTIABLE INSTRUMENTS ACT 1881, 1988, THE NEGOTIABLE INSTRUMENTS ACT ( amendment and miscellaneous provisions ) of 2002, which has caused me Injury and Damages ; Third Cause of Action : Acquiescence/Nonresponse to Failure, By Not Following The Federal Reserve Act of 1913, The Federal Reserve Banking Act of 1933, which has caused me Injury and Damages ; Fourth Cause of Action : Acquiescence/Nonresponse to Failure, By Not Following House Joint Resolution 192- PUBLIC LAW 73-10 , which has caused me Injury and Damages ; Fifth Cause of Action : Acquiescence/Nonresponse to Failure, By Not Processing my Negotiable Instruments because they are Linked to and through My XXXX XXXX XXXX OF XXXX routing and account number, which has caused me Injury and Damages ; Sixth Cause of Action : Acquiescence/Nonresponse to Failure , By Causing a waste of my precious time and resource trying to resolve this issue with My Vendors and Utilities Companies, which has caused me Injury and Damages ; Seventh Cause of Action : Acquiescence/Nonresponse to Failure, By Causing me to find alternate means of making payments of my public debt, which has caused me Injury and Damages ; Eight Cause of Action : Acquiescence/Nonresponse to Failure, By Not returning and destroying my property i.e. my Negotiable instruments, MOAs and or Checks which has caused me Injury and Damages ; REPRESENTATIONS AND WARRANTIES