23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am reaching out to you concerning the compromise of my social security number. I have become a victim of Identity Theft. I have already contacted the Federal Trade Commission and lodged a complaint with reference number # XXXX attached, as well as reported the incident to the police department. Kindly block and delete all the information related to my credit report and send me an updated copy of it. 
result of unauthorized fraud : 1. The following account is not mine XXXX XXXX Account Number : XXXXXXXX This is not mine. I am a victim of ID Theft. Please investigate and remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Bank account or service

Approximately three weeks ago I did an Electronic transfer from my account to my wife 's account. Instead of sending The transfer electronically Huntington sent a check to my wife lives with me in my house. So I called Huntington Banks and told them that they made a mistake and sent a check to my wife instead of an electronic transfer. I asked to my money back, and they said the only way to do it was to stop payment on the checks and to reverse it back to my account. I said ok, would there be any fees he said no but if there are then just call us and we will reverse them. There were XXXX transfers did XXXX for {$100.00} and XXXX for {$1200.00}. The reason for the transfers was to put money in my wife 's account who is with Huntington also. I was charged {$31.00} twice. I called the back and after rudely speaking with me they revered only XXXX the fee 's. I am so mad I am a poor working man and I do not have an extra {$31.00} to give Huntington. I have never been charged any fees with at all never made a mistake, but I did the transfer as they recommend I do at the branch. they tricked me and I want my money back. I am filing complaints XXXX. Please help. The manager that assisted me the first his name was XXXX and the XXXX manager who was rude was XXXX. I just want my money back the {$31.00} dollars and an apology for the way I was treated, it 's like they do not care.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal Notice of Dispute regarding the inaccurate and unauthorized reporting of student loan accounts on my credit report. These accounts are in violation of the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). I request an immediate investigation into these matters and the removal of the accounts listed below.

Accounts in Dispute : U.S. Department of Education Reason for Dispute : The account is being reported without proper authorization to share my educational records or loan data. Under FERPA ( 20 U.S.C. 1232g ( b ) ), the unauthorized disclosure of my education records, including loan-related data, is prohibited unless explicit consent is provided. No such consent was given. Furthermore, the continued reporting of this account violates my privacy rights and misrepresents my financial standing.

U.S. Department of Education Reason for Dispute : The balance on this account is inaccurate and does not reflect the correct terms or status of the loan. Additionally, the reporting of this account constitutes an unauthorized disclosure of my educational records, violating FERPA. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of information have a duty to ensure accuracy, and failure to meet this standard has caused harm to my creditworthiness.

Legal Basis for Dispute : Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g ( b ) : Protects the privacy of student education records and restricts unauthorized disclosures. The reporting of these accounts constitutes a violation of this federal law.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Mandates furnishers to provide accurate information to consumer reporting agencies.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain procedures to ensure maximum possible accuracy of information.

15 U.S.C. 1681i : Establishes the right of consumers to dispute inaccuracies and requires CRAs to conduct reasonable investigations.

Demands : Conduct a thorough investigation into the accounts listed above within the statutory 30-day timeframe.

Remove or block the reporting of these accounts as they violate federal privacy and credit reporting laws.

Provide written confirmation of the actions taken, including the removal of these accounts from my credit report.

Failure to comply with your obligations under FERPA and the FCRA will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the U.S. Department of Education, and the Federal Trade Commission ( FTC ). I also reserve the right to pursue civil remedies under 15 U.S.C. 1681n and 15 U.S.C. 1681o.

Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Factor Trust you stated you never heard of me till I filed a dispute I quote FACTOR TRUST The alternative credit bureau that's on your letter head Telling the CFPB that you never heard of me will here is proof enclosed I enclose two copies of credit freeze from you, and you are reporting to XXXX you violated my rights, lied to the CFPB in your statements that you do not Freeze reports. CFPB please look in to this, documents enclosed, XXXX owns FactorTrust which is owned by XXXX
Product: Credit reporting or other personal consumer reports

Per Fair Credit Reporting Act credit reporting agency must eliminate any associated information as they did not provide validation evidence by required time.

Reporting Agency failed to provide me with evidence to support that the inquiries were " factual " within timeframe and I did not receive requested evidence from either the companies or credit reporting agency regarding the dispute. I disputed this three times and no answer related to requested information.

Credit Information is still inaccurate despite advising of unauthorized inquiries, inaccurate personal information listed and despite account history were updated to reflect no missed payments bureau failed to update account status to pays account as agreed and history to no missed payments as required per 15 USC 1666B ( A ) where consumer 's paying history is private and needs written consent from my end to report.
Product: Credit reporting or other personal consumer reports

Account # cap one XXXX Account Status CLOSED Account # XXXX cap one Account Status CLOSED Account # XXXX cap one Account Status CLOSED All accounts are closed but still continue to report a new derogatory behavior every month
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been evicted out of any place I have lived. I have an eviction on my Chexsystems report. Also it has two public records and I only have 1 bankruptcy.
Product: Credit reporting or other personal consumer reports

I recently went over my credit reports, and I noticed several incorrect and fradulent accounts on my credit file and I had to report that I've been a victim of identity theft. I Locked my credit file and disputed the items listed BELOW I am not liable for this debit. I do not have or never held a contract with the creditors Listed below after requesting information from creditors, they did provide me with the original contract as requested per 15 USC 1681a2 I did not give verbal or written permission have these accounts furnished on my credit report. After disputing this through Experian they still never sent me proof and Experian, XXXX, XXXX still presents these negative items on my credit report.

According to Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. I asked for verifiable proof of the original consumer contract signed by me in agreement that I would pay said debtors for each of these collections account and still haven't receive any communication from either one. Listed below are the inaccurate collections accounts I want removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Also there are negative charge offs on my credit file that I have disputed as well these are bringing down my credit score and costing me thousands in interest yearly these companies listed below have canceled out said debit however company has filed it on their taxes as ordinary income loss but they are also reporting it on my credit report as debit this is INACCURATE REPORTING also they have never sent me a 1099C cancellation of debit so that I can also file this on my taxes as ordinary income this is a violation of 15 USC 1681eb which states that the consumer report must be the maximum of accuracy. 


I WANT EXPERIAN XXXX AND XXXX TO REMOVE THE COLLECTIONS ACCOUNTS AND CHARGE OFF ACCOUNTS FROM MY CREDIT REPORT THAT IS NEGATIVELY AFFECTING MY SCORE AND COSTING ME THOUSANDS IN INTEREST YEARLY.
Product: Mortgage

After selling my loan to XXXX XXXX, capital one kept losing my loan modification documents or asking to resend banks statements because " it needs more pages '' even though all the pages were marked. Today I was assured that my modification package was received and the foreclosure is on hold. The reason I decided to log this complaint is Capital One is transferring my loan servicing to a new company and I hope the modification process is n't jeopardized.
Product: Mortgage

Rushmore Loan took over servicing of my mortgage for XXXX XXXX XXXX discriminated against me. They refused to honor previous modifications they refused to verify the debt claiming I did not owe it because it was discharged in bankruptcy, Affirmations verifying the debt were inaccurate according to their own filed documents. When I called about the modifications that they were supposed to honor they claimed they were not valid that payments were not received despite the fact the ledger from the previous servicer listed them. They claimed they needed my copies of payments which I sent only to have their employee tell me they did not have to honor it and that if I wanted to keep my home I should learn to pay my bills. 
They have recorded the XXXX payments for the first modification and XXXX payments for the XXXX modification and a letter stating an agreement for a modification from XXXX. The modification payments were never applied to the loan and when a ledger was requested from Rushmore they sent XXXX so small no one could read it they only sent XXXX I could read after they filed for judgment. They have purposely continually discriminated against me despite the fact that I am more than able to make payments XXXXXXXX XXXX AND RUSHMORE DISCRIMINATE AGAINST BORROWERS
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is shown on my account as closed but it does not belong to me at all. I need it to be deleted immediately.
Product: Student loan

Mohela took over my XXXX student loans and were not going to give me a payment count adjustment so I decided to get it done through the XXXX. of XXXX but when I called them they said I could go through Mohela for everything. I told them I wasn't interested in doing that and so I submitted my consolidation loan application to them. They sent me a letter dated XX/XX/year> saying that they can't do a consolidation for me and to go through my servicer, Mohela. I gave up at that point and then got a letter from Mohela that my consolidation went through. I didn't want them, nor an extended new loan. I seem to have lost credit for all time of the loan now.
Product: Debt collection

Upon review of my credit reports with XXXX, XXXX, and XXXX, I noticed an account that did not belong to me. I immediately disputed this account via USPS certified mail ( dated XX/XX/XXXX ) with the three credit bureaus. XXXX  deleted said account. XXXX  and XXXX  responded that the account was verified, but did not provide proof of how it was verified, or what was provided to them to verify the account. 

Portfolio Recovery Associates, LLC then contacted me via mail, claiming that they had completed their investigation and determined the debt to be valid, attaching only a letter written by the company they purchased the debt from ( XXXX XXXX  ), stating that they sold the referenced account to Portfolio Recovery Associates, LLC on XX/XX/XXXX. 

I responded to Portfolio Recovery Associates, LLC by USPS certified mail on XX/XX/XXXX, asking them to validate this debt with evidence bearing my signature, and they failed to do so. Their subsequent responses have only included the same letter referenced earlier. 

It seems that Portfolio Recovery Associates, LLC is attempting to commit fraud, because the date they purchased the debt is the same as the date opened listed on my credit report, which doesnt make any logical sense. 

It also seems they are trying to take advantage of consumers XXXX  of the law and their rights, by reporting debts to credit bureaus that they have no legal right to collect, let alone report. 

I have contacted my attorney, who has advised me to move forward with a lawsuit. This is my final attempt to resolve this matter with Portfolio Recovery Associates, LLC. If they do not request deletion of this account from my credit reports, and if they continue to pursue collection activity, we will have no other choice than to move forward with litigation.
Product: Credit reporting or other personal consumer reports

I requested to dispute the account below I have know knowledge of nor did I authorize with the 3 credit credit bureaus. 

Upon the investigation XXXX determined that the unauthorized account would be resolved and removed from my credit report. 

XXXX XXXX XXXX are still reporting this on my credit which is preventing me from closing on my home loan. 

LVNV FUNDING LLC XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$7300.00} OPEN {$7300.00} XXXX $ XXXX {$7300.00} XXXX XXXX XXXX XXXX CXXXX XXXX History : XX/XX/XXXX ; XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER ; FACTORING COMPANY ; ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  XXXX XXXX {$150.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$110.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$560.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$580.00} Open Date XX/XX/XXXX XXXX XXXX {$420.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$130.00} Open Date XX/XX/XXXX XXXX  XXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX  Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

they are incorrectly reporting 29 days late as 30 days late.. this is in direct violation of FCRA act, 15 U.S.C 1681 This company is reporting me a 30 day late even though they had payment on day 30th. you can not make up your own rules reporting 30 days late when you are 29 days late. 29 is not 30 ... it is impossible for them to report 30 days late when they have payment on day 30.

30 days late means at least 30 full days late, not 29 days late ... ..that 's not how credit reporting work... ..you can not report 30 days late on day 29, it has to be full 30 days.

the law is very clear ... .if they do not correct this issue immediately, I will be suing XXXX in small claims court. 

it has to be full 30 days late before they can report a 30 days late, not 29 days as their letter states. see attached.
Product: Credit card

On Monday, XX/XX/XXXX, I was notified by e-mail that Capital One Bank sent out a replacement visa card to an address in Georgia, which I never requested. I contacted Capital One and found out that they only verified my social security number and birthdate both of which are stolen. Capital one ignored the fact that I have fraud alerts with all three credit bureaus and my credit is frozen. Capital one sent me a replacement card. On wednesday, Capital one did exactly the same thing and send out a second " replacement '' to the same fake address in Georgia. Again, I called and complained and talked to supervisors. Capital one is now sending me a replacement card for the third time. I was notified today that the person in Georgia is again attempting to get a replacement card.

I have spent hours on the phone with Capital One for the last four days, I don't want to deal with them any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter dated XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX regarding Personal, Secured Loan from XXXX that was Paid, Closed, NEVER LATE- the 3 Agencies had Reported incorrectly with showing Late Payment. 
Submitted the Letter from XXXX XXXX XXXX XXXX dated XXXX XX/XX/XXXX to all 3 Credit Reporting Agencies and ONLY XXXX  corrected the information to report properly ... TransUnion and XXXX  now have Reported as 2 Late Payments, and showing as NEGATIVE Account ... 
Both TransUnion and XXXX  make obtaining Report OnLine impossible. 
TransUnion asks what County I lived in 23 Years ago- yet can't report correctly information from a letter sent to them 6 months ago. And XXXX  was breached, and I have no assurances that they should have my personal information- but they could at least update the Correct Information when provided to them- and it should NOT take over 6 Months.
Product: Student loan

After suffering through a period of unexpected unemployment I contacted Navient to attempt to get my loan back on track. I made arrangements to pay via a " XXXX pay '' program which would put my account back into current status after XXXX scheduled payments. I gave them my bank account information and assumed that that would be the end of it. 

The next day I started receiving phone calls saying that something had gone wrong. I was finally able to get in touch with them again the next week. I was told that the automatic payment needed to be setup again, so I did. The automatic payment apparently failed again, and I started receiving calls from them about this a couple weeks later. I know that the account information I provided was correct and there were funds in the account at the time. 

I suffered another financial set-back that put my bank account into overdraft shortly afterwards, so i had to wait to weather that before contacting them again. 

I tried calling back as soon as I knew when I had the funds available but I was told that unless I made a payment that day of XXXX $ XXXX would not be able to prevent litigation. I was then forwarded to a " XXXX '' who was extraordinarily rude and confrontational. I explained the fact that my autopsy had failed for unknown reasons and that 's i could make a payment in XXXX weeks. In response she accused me of fraudulently providing them an incorrect bank account number or not having funds in my account. She continued to berade me for my inability to " balance my checkbook '' even when I explained my financial hardship and recent unemployment and repeatedly accused me of fraud. When I requested to speak with her XXXX or any other superior she refused to allow me to speak to them and threatened me that they would receive a file on the pending litigation instead the next morning. 

When she did nothing other than continue to yell at me while I attempted to ask her about alternatives to litigation, I hang up and called their customer service number again. I stayed on hold for an hour before I had to hang-up to return to work. 

Navient seems to be unable to accept payments from my bank for unknown reasons, has XXXX who are only interested in berating customers who call to attempt to make their account current, and has wait times that make it impossible to get ahold of them during their office hours without missing work.
Product: Debt collection

I received a letter from TRS Recovery Services XXXX Inc. saying that I owe {$420.00} for a bank overdraft fee at XXXX XXXX XXXX XXXX. I was sending TRS Recovery Services payment of {$30.00} once a month from XX/XX/XXXX-XX/XX/XXXX I send them a total of {$150.00}. I called XXXX XXXX XXXX XXXX and I talked with XXXX XXXX ( collection specialist XXXX ext. XXXX ) I was told that they have n't received any payment from TRS Recovery Services and that they no longer worked with this company. XXXX XXXX told me to send her a copies of my checks made to XXXX XXXX XXXX. I try calling this company several times and I was n't able to talk to a real person. I then send in a inquiry form to TRS Recovery Services about my account. They send me a letter saying my account was closed on XX/XX/XXXX and they are going to refund me {$55.00}. TRS Recovery Services owes me {$94.00}. I called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX on XX/XX/XXXX to get an update and I was told I needed to get in contact with XXXX XXXX at TRS Recovery Services she is the one handle your account. I called XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX I did n't get anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired DMB Financial to help me with my credit consolidation 4 years ago. I completed the program in XX/XX/2018, all accounts paid as agreed. I have made numerous calls requesting the end of program letter, to reflect that I have finished the program and have the extra money I paid, that remains in the account, refunded to me. I left numerous voicemail messages asking for a call back with negative results. When I do get someone on the phone they always say they have to email a different department for a response and that someone will call me back. I am attempting to purchase a home and need the end of program confirmation letter, and the 5 accounts I paid in the credit consolidation, be reported to credit bureau correctly. Part of the services I paid for was all that I just mentioned. Apparently, they are quick to take the money but don't follow through as agreed when I signed up with them. I need this resolved as soon as possible.