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

RE : XXXX To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : Fill in accounts you want to be disputed, be sure to add the account numbers with each account. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Checking or savings account

On XX/XX/22 my one year CD matured. I called Ally and spoke with XXXX. I told XXXX that I wanted to close my CD and have the money transferred to my external XXXX XXXX savings account. XXXX said the transfer would take 1-3 days. 
On XX/XX/22 I again called Ally because the money had not been transferred into my XXXXXXXX XXXX  account. This time I spoke with XXXX. XXXX told me my CD account was still open and no money had been transferred. XXXX told me he would close out my CD and assured me the money would be transferred to my external XXXXXXXX XXXX account within 1-3 days. 
On XX/XX/22 I again called Ally as no money had been transferring to my XXXXXXXX XXXX account. I requested to speak with a supervisor and XXXX came on the phone. XXXX checked my account and said my CD had not been closed within the allotted 10 days, it was placed in another 1 year CD. In order for me to close out this new CD, I would have to pay a penalty fee. Due to their incompetence I demanded my money. After much discussion, XXXX agreed to close out the new CD without penalties. It would now take an additional 3-5 days for the transfer to be complete. 
The money was eventually transferred to my XXXXXXXX XXXX  account. My frustration is : XXXX. Is this a fraud by keeping customers funds and instead of returning their money, Ally keeps it within their banking company? 
XXXX. Ally kept saying I would have to pay all the additional fees. Fees for sending my money in a more expedient way and paying a penalty for closing a CD that I never opened. 
XXXX. Hard to believe the people who assist in opening and closing accounts dont know what to do
Product: Checking or savings account

I was contacted by BOA customer service, there was 2 transactions that were not done by me they told me I had to allow the transaction to go through to investigate the fraud. But it was a scam and they say that because the funds went thru to chase bank and were withdrawn that it is not going to be returned to me. They claim I made it Possible, but it was them that didnt tell customers that they had a data breach and our accounts were at risk.They took XXXX from my account and XXXX from a account that was my daughter and I, because she was a minor at the time she opened it .please tell me there is some way of holding them responsible because I got the call from their customer service center. Thank you XXXX XXXX
Product: Mortgage

This is a formal complaint against Specialized Loan Servicing ( SLS ) and XXXX XXXX. When I purchased my new home, I was convinced to buy a paid in full mortgage insurance premium. I knew the full 10 years of the policy would not elapse before the policy was cancelled and decided a refund for the unused portion would be fine. Since the purchase, I have brought my equity up and the mortgage insurance is no longer needed. I paid {$10000.00} for the 10 year policy and it was in effect for only 1 year and 4 months before cancelled. I refinanced through a different company and paid the original loan in full so it met the 80 % requirement for cancellation. 
The loan servicing company and insurance company are now telling me that it is a non-refundable INSURANCE policy. I have received the paperwork that I signed when I originated the policy, and it states that the policy is refundable with 30 days notice. I originally contacted them XX/XX/2020. My loan Number with SLS was XXXX and my insurance policy with XXXX is # XXXX. I have contacted them numerous times via letter and calls and they still refuse to uphold the cancellation policy in their terms. 
I am attaching the letter of correspondence that SLS has provided to me in their response and the original paperwork that I signed to setup the insurance policy.
Product: Checking or savings account

I went and opened an account with XXXX XXXX. I opened two different accounts and learned that they closed our relationship. I was contacted by the bank and they have alerted me that there was an Bank of America account opened in my name. I have never opened or tried to open an bank of America account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name and number : XXXX XXXX  XXXX Account name and number : XXXX XXXX  XXXX, Account name and number : XXXX XXXX XXXXXXXX & XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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.

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

In accordance with the Fair Credit Reporting act Pentagon Federal Credit Union Account # XXXX, has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX AND XXXX OF 2023 I CONTACTED CONVERGENT OUTSOURCING ABOUT INACCURATE CREDIT REPORTING. THEY HAVE FAILED TO REPORT THE ORIGINAL CREDITOR OR ACCOUNT NUMBER MAKING IT IMPOSSIBLE FOR ME TO VALIDATE THE DEBT AFTER THEY HAVE CHOSEN TO IGNORE MY REQUEST. THEY ARE REPORTING OUTSIDE OF COMPLIANCE AND HAVE EVEN LEFT SOME INFORMATION BLANK FILLED THAT SHOULD BE REPORTING COMPLETELY AND ACCURATELY. PLEASE HELP ME. ALL PARTIES HAVE FAILED TO PROTECT ME AND I READ YOUR ARTICLE WHERE YOU ARE READY TO HELP ALL CONSUMERS BEING TAKEN ADVANTAGE OF BY DEBT COLLECTORS.
Product: Credit card

I was never late on any of my payments since I had capital one and now since a few months ago I feel on hard times because my kids had XX/XX/XXXXand I was unable to pay so they have charged me {$1300.00} in late fees for 3 months I have a credit limit of XXXX but {$1300.00} in late fees and they are still charging and I tried contacting the credit card corporate office to explain the situation they have failed to assist me and I think that is unfair due to me never having a late payment since I been with them and its been a year and a half until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT my address and I have never lived at this address : XXXX XXXX XXXX XXXX XXXX CA, XXXX
Product: Credit reporting or other personal consumer reports

This complaint is that Equifax removed and then re-entered excess, abusive, and fraudulent collections from XXXX XXXX  The report also exceeds Statutes of Limitations. 

XXXX pulled my credit reports and found that they contained lots of fraud. 
This included Equifax Report Confirmation XXXX XXXX wrote a letter to Equifax disputing the fraudulent reports. 
This included XXXX XXXX, a report from XXXX. 

XXXX created a report with IdentifyTheft.gov, which included the XXXX XXXX 

XXXX This Equifax report shows XXXX XXXX removed. Report Confirmation XXXX I received XXXX dispute result correspondence via email, mail and nothing much shows on equifax.com XXXX This Equifax reports shows XXXX XXXX  removed. Report Confirmation XXXX I received XXXX dispute result correspondence via email, mail and nothing much shows on equifax.com XXXX Equifax Re-entered the XXXX XXXX  on my reports. 
I received XXXX dispute result correspondence via email, mail and nothing much shows on equifax.com XXXX I sent Equifax a second, follow-up dispute letter about XXXX XXXX  disputing demanding method of verification. 

XXXX Equifax entered into XXXX XXXX the XXXX XXXX. 

The other credit bureaus have removed these collections
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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

I have 2 second lien loans for my solar project. One is a little over {$40000.00} with Mosaic and the other is about {$20000.00} with Dividend ( XXXX XXXX XXXX ). This complaint is for Mosaic. I submitted the same exact complaint for XXXX XXXX XXXX  ( Dividend ) already. During the process, we spoke at length about how much I could afford for a payment. I wanted to make sure the monthly payment worked for my budget and allowed me to save money by going with solar for my home. Unfortunately, neither company explained that the payment I agreed to doesn't even pay the minimum monthly interest on the loan. Mosaic which is a highly deceptive lender since there should be no option for a borrower to increase the principal amount of your loan every month. They both game me negative amortization loans and I have not paid 1 penny of principal on either loan. 

Honestly, I thought this was illegal so it never occurred to me to make sure I read the details for negative amortization on the loan. The truth is that this loan will never pay off until I massively increase my payment to cover the missing interest and an additional principal payment. I can't believe this is happening to me and I don't know what to do. Both companies said in an uncaring matter-of-fact way, " check the agreement ''. I agreed to the terms of the loan including the very high interest rate, but I didn't understand the negative amortization feature of this loan and they did not make any attempt to let me know that was happening. I figured this out on my own. 

I need this company to stop deceiving the public. They need to make certain that borrowers know making a minimum agreed upon payment means they will not even pay the monthly interest and never pay off the loan. Borrowers for this type of loan will wake up some day once they realize what happened to a massive increase in the principal amount of the loan.
Product: Credit card

I've always made sure that payments on this account are made on time, never allowing them to become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit card

I was offered a job by XXXX XXXX as a XXXX. I was given two weeks probation period. The company paid off my credit card debt with a XXXX XXXX checking account for my first order, which totaled XXXX. I bought gift cards for the company that totaled that amount, since they told me they had XXXX customers that buy their merchandise. My credit card company is Citibank. Citibank posted the payment and I went on to my next order. The company paid off my credit card again and I did the next purchasing. This went on for XXXX different orders for a total of XXXX. Payments were eventually returned to my credit card and now my credit card has a big balance. At one point it took Citibank twenty days to return the payment. Customer Service Reps tell their customers payments will take three days to post. XXXX XXXX opened up a fraudulent account and citibank took too long to return the payments. Both of these banks took advantage of me, as well as XXXX XXXX, who said he was a supervsior at XXXX XXXX. My employment papers had an XXXX number. I did a lot of research and found a XXXX XXXX XXXX number also. XXXX XXXX has an office in XXXX, but their headquarters are in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I filed for XXXX XXXX bankruptcy protection in the state of Kansas ( XXXX ). As part of the bankruptcy, a credit card account that I had with XXXX XXXX XXXX XXXX XXXX, XXXX, Tennessee was XXXX. Due to changed financial conditions, my bankruptcy was converted to a Chapter 7 in XXXX and was XXXX as such. Despite being XXXX, XXXX continues reporting an unpaid balance on a closed card of {$7100.00} to all credit reporting agencies. When I contacted them in XXXX of XXXX regarding this, requesting that they remove the balance and properly report the account, they acknowledged by letter that the credit card had been a part of my bankruptcy, but they continued reporting the balance thereafter. Their reporting of a balance appears to be a violation of the FCRA and potentially the bankruptcy court 's injunction. The account should immediately be removed from all of my credit reports as the 10 year period for reporting under a Chapter 7 has now lapsed.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXThere is nothing erroneous about this account
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of certain accounts from my credit report, as they are the result of fraudulent activity stemming from a data breach. Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I am entitled to have fraudulent information removed from my credit report if it has resulted from identity theft, including cases of data breaches.

As a victim of a data breach, my personal information was compromised and subsequently used to open accounts without my authorization. These fraudulent accounts have appeared on my credit report, and I am requesting their immediate deletion as they do not reflect legitimate financial activity under my name.

In accordance with Section 605B, I have reported the breach and submitted the necessary documentation to confirm that these accounts were fraudulently opened due to the breach. I am requesting that these negative items be removed immediately as they are not a result of my actions or credit behavior.

The law mandates that fraudulent items linked to identity theft or data breaches be removed from a consumers credit report promptly. I request that the accounts be deleted within the 4-day response window, as required by law, and that the credit bureaus investigate and resolve this matter swiftly.

Thank you for your prompt attention to this matter. Please confirm the removal of these fraudulent accounts from my credit report. 


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

I got a phone call from XXXX from this number ( XXXX ) -XXXX-XXXX on XX/XX/2019 he  would not tell me his business and kept on asking me to verify my social an birthday and he had already knew my information without me even sayin so he asled if it was correct and i said his information was incorrect not to call me ill report him.Than i wake up to my credit karma being XXXX in collections. Im applying for home today i had XXXX credit yesterday and now i have bad credit i want them investigated for fraud. i havent been able to even start my own credit and now i cant even get accepted into a home for my children because of this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inquiries on my Equifax credit report that I did not recognize, after I made Equifax aware that the inquiries were not mine. I also let them know that I had disputed the inquiries with the companies that requested them and they were not able to produce any applications signed or otherwise proving that they had written consent to access my credit report. The supervisor I spoke to, XXXX, flat out REFUSED to investigate or initiate a dispute for any inquiry. There are over XXXX inquiries on my report that I did not authorize from companies I have not even heard of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute many times conconcering fraud on my credit report. I recently filed a police report concerning the fraud items   XXXX   and  XXXX  removed the items and block the company from adding it back to my credit report. Equifa x staff  members refuse to remove the items, continue to contact the creditor stating I must resolve it with this company, this creditor has tried to get me to send them a copy of personal information so they can establish proof of my SS and ID, this has damage my credit and ability in many areas of my life. It is outrageous Equifax is allowed to do this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the three credit bureaus ( Equifax, XXXX, and XXXX ) investigate numerous inaccuracies on my Consumer Reports. They have not investigated thoroughly and have not corrected my report. I have disputed online and via letter.
Product: Credit reporting

Experian has reinserted the XXXX account and the public record without proper verification or notification. This account was removed some time ago and now it is reinserted and have not been verified. XXXX is not a valid way of verification. I have contacted XXXX and they have failed to send me a Contract agreement with my signature stating I agreed to this credit account. Public records do not give out information over the phone and third party agencies do not qualify for verification. I have sent a method of verification letter stating : This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the negative items, as originally requested. 

Below are the items that do not belong to me that you continue to report illegally. 

1. XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 

Thank you
Product: Checking or savings account

1. What happened? 
JPMorgan Chase bank representative, via the telephone call center located in XXXX, TX, asked me for a XXXX XXXX and/or XXXX  to confirm my identity. To begin, this took place at the Chase branch ( XXXX XXXX. XXXX XXXX, XXXX, I ), when I was instructed to go to a local branch to confirm my identity ( to provide my driver 's license, since my accounts were locked ). 

Chase employees at the branch ( XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX  XXXX  ), confirmed my identity once I arrived ; however, the Chase representative didn't believe their own Chase employees and began questioning them. Chase was attempted to hold XXXX plus for the next XXXX until my identity was confirmed. 

I have been banking with Chase for 13 + years, XXXX credit cards, a past mortgage, so Chase has all of my information on file, and to be asked to produce a XXXX XXXX and XXXX  for a US Citizen violates my Civil Rights and Chicago Human Rights Ordinance. To this data, Chase hasn't responded to the complaints the employees submitted, nor my complaint submitted to them. 

Chase has confirmed my identity numerous times with credit information and or background questions, but this representative went outside of Chase rules to ask for documentation that isn't pertinent nor relevant to my situation. 

This is a violation of my Civil Rights and Chicago Human Rights Ordinance. 

2. Dates, places, and the names of the people directly involved. 
XX/XX/2022, XXXX XXXX. XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, Chase employees & person on the telephone in Chase Fraud division.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting cks prime investments in my credit report as a charge off account with XXXX XXXX XXXX. And I have asked them to investigate this item and send me proof of this account and they have not sent me proof but told me that account was verified. And have not sent me proof of the account.
Product: Student loan

My original lender was XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX, US Department of Education, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? All of my loans have been in deferment and in XX/XX/XXXX-XX/XX/XXXX they claimed they never received my documents to defer my loans but I agreed to it and now I have late payments which is hurting my credit. This is very misleading and shady. Every time you call the representatives are always giving you wrong information.