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

Today, I am filing this CFPB Complaint to notify you that I have fallen victim to identity theft. After doing some research, I learned that I must contact the FEDERAL TRADE COMMISSION or visit https : //www.ftc.gov to file a report. According to section 605b of the FCRA, Credit Reporting Agencies are mandated to delete all accounts and information listed on an ID THEFT REPORT. Upon receiving a copy of my credit report, I was alarmed to discover that there are numerous accounts that I did not open nor have any knowledge of. Please find the ATTACHED documents to help in blocking the erroneous information being posted on my report. The items in question are as follows : 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 Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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. I affirm that I did not open any of these accounts or give anyone permission to do so on my behalf. I am convinced that this is an identity theft case, and I am taking measures to report this to the authorities. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES should block any data in a consumer 's file that the consumer identifies as information arising from identity theft within four business days of receipt.
Product: Checking or savings account

XX/XX/XXXX US BANK placed a hold on my account due to a bad check that was deposit, they scheduled my account to be closed and advised me that my payroll direct deposit would be rejected. The direct deposit posted on XX/XX/XXXX which brought my account in the positives. I was told after several phone calls to visit my local branch to expedite and close out the account so they can issue out the remaining balance of {$360.00}. I went to a US Bank branch in XXXX XXXX, CA and no assistance was provided to me by the manageXXXX instead he offered his opinions which was not needed. I then placed numerous calls to their customer service number and again was offered no help. They confirmed that my account is to be closed but it could take 1 week to 1 month to process which I find to be ridiculous and illegal. If a company of that capacity has closed out my account, they should have the capacity of issuing out the small amount owed to me so that my account is no longer in limbo. This bank has gauged me overdrafts and fee which turned in thousands of dollars that I paid to them as a consumer, but they have an issue with processing the closing of my account and properly issue out funds legally owed to me.
Product: Checking or savings account

XX/XX/2021===Capital One Bank... ..Did not give money of a CD when it already matured ... .holding money for ten days ... ..despite my complaints.
Product: Mortgage

I am submitting this complaint in regards to the process of trying to find rates for mortgages. I am interested in finding out what the current rates are in the market, however each lender is requiring so much personal information just to get the rate quotes! This shouldn't be this way, we should have access to the current rates without having to provide so much personal information, which includes salary information, social security numbers, etc. 

I realize it is important for lenders to screen individuals to see if they qualify for a loan, but that process is left for later on when the individual would like to pursue the loan. The act of simply gathering information on current rates ( for particular situations such as primary home or secondary home, 1st mortgage or refi ) should be open and transparent to the consumer without having to provide personal and private information! 

I think it would best serve the consumer if we had a policy of open and transparent published mortgage ( or any type of loan ) rates available to the consumer ... and stop this practice of acquiring an abundance of personal and private information ( including social security numbers ), just to get rate quotes!
Product: Credit reporting or other personal consumer reports

XXXX is continuously reporting a charged off XXXX XXXX account under my consumer report that does not belong to me. I have filed an identity report with the FTC and I've disputed with the consumer reporting agency several times and their noncompliance to remove false information is to my detriment and loss of financial gain/opportunities. I will attach FTC report, and a screen shot of the latest update of this account on my report. 

This company ( XXXX ) is in violation of this Federal Consumer Protection Law : 15 USC 1681 ( a ) ( 2 ), because I never gave written permission to report this account nor open it and to be furnished on my consumer report. This account isn't mine and must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I  HAVE BEEN A VICTIM OF IDENTITY THEFT. YEARS AGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MY CHAIN AND MONEY. DURING THAT TIME A LOT OF HOUSES NEAR ME HAD THERE ROBBED BUT IT SEEMS AS IF THE POLICE ISNT DOING ANYTHING ABOUT IT. THERE WERE A FEW NAMES ON WHO IT COULDVE BEEN BUT NO ONE HAD EVER BEEN ARRESTED FOR IT. IM WILLING TO PRESS CHARGES ON ANYONE CONNECTED TO THIS. REMOVE/BLOCK THIS FRUAD INFORMATION FROM MY CREDIT REPORT WITHIN 4 DAYS.




FRAUDULENT ACCOUNTS:
Account name
XXXX  XXXX XXXX XXXX
Account number:
XXXX   
Account name
XXXX XXXX  Account number: XXXX,
 
Account name: XXXX  Account number:
XXXX  





FRAUDULENT INQUIRIES:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX



FRAUDULENT ADDRESSES:
1XXXX 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
Product: Credit reporting or other personal consumer reports

I need your assistance in addressing accounts where companies are inaccurately reporting late payments. After being laid off, I asked for payment forgiveness, and they agreed, but they continue to list them as late. Ive tried contacting them but have received no updates, so Im reaching out to you as a last resort
Product: Credit reporting or other personal consumer reports

Certified Mail Sent to EQUIFAX Urgentt Matter!!!! 

Date : XX/XX/year> Date Dear ( EQUIFAX ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX. MY ONLY SOCIAL SECURITY NUMBER : XXXX. MY ONLY AND CORRECT DATE OF BIRTH : XXXX. MY ONLY EMPLOYER IS : ALL PERSONAL INFO ATTACHED!!!! 

I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

FYI I was mailed a letter from EQUIFAX stating that my verification documents that were large, in color and legible, were not and I will attach the documents along with the original verification documents to The CFPB to prove legible documentation and misrepresentation per XXXX. 
Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 
Sincerely, XXXX XXXX PS MY NAME IS SPELLED COMPLETELY WRONG ON THE RESPONSE MAIL SENT OUT TO ME FROM EQUIFAX!! THIS GOES TO SHOW I AM BEING MISREPRESENDTED AND MY NAME SLANDERED!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX agency is reporting information on my credit file that is not mine and do not belong to me. I requested this collection via certified mail to delete and stop reporting this information that is not mine. I requested the contract with my signature or anything with my signature and they have failed to do so. I asked them not to send me a copy of a account statement because anyone can get an account statement and type it up as if it belongs to someone. I would like the entire billing detail history and summary and the original contract with my signature. I am tired of these collection company 's not verifying information before they slap the collection on the wrong person profile because they did not take proper steps to verify that they have the correct person. I can go online and make a account statement for any XXXX XXXX out there. I can go online and find someone with my exact name and create false information. The items I uploaded is their response back and unacceptable. I asked for my signed signature not some bill of sale to their collection company from another collection company.
Product: Vehicle loan or lease

Purchased a car XXXX XXXX and purchased gap insurance, sold vehicle and didnt receive the gap insurance premium back
Product: Vehicle loan or lease

I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately. 
,
Product: Debt collection

Called the office of Bureau of Med Economics on XX/XX/XXXX to advise that debt owed to XXXX XXXX XXXX  XXXX of {$250.00} was included in my husband 's bankruptcy which was discharged XX/XX/XXXX. XXXXXXXX Was told it would be taken care of. To date nothing has been done, it is still on the credit reports for each agency showing as " collection ''.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of an account from my credit report that is currently in pending litigation. Upon reviewing my credit file, I discovered that this account is still being reported, despite the fact that it is under active dispute and legal proceedings. It is imperative that you correct this error as it is not only misleading but also a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

In XXXX, I received around {$1500.00} in fees and interest charges for three " late payments. '' I strongly contest these late payments. I can prove, along with my bank, that an electronic payment was made and arrived on the " Payment Due Date '' indicated on my statement. I was told by people at American Express that even though my payments arrived on the due date, in those three instances ( but not others ), they didn't " clear '' until the following day and, therefore, were considered lateand I was charged both a late fee and interest charges. 

I make it my business ALWAYS to make my payment, in full, on the " Payment Due Date '' indicated on my statement ( as can be seen from all my past payments ). I don't see where I did anything wrong. I paid on the date AmEx told me it was due. 

In fact, of the eight people at AmEx I spoke to about this, two told me that I did " nothing wrong. '' When I asked, " Then why am I being penalized to the tune of around {$1500.00}? '' They couldn't answer. 

I also asked what I could have done differently and was told that I could set up auto-pay on the American Express site ( it's a bit late for that ), or I should send my payments in earlier than the " Due Date '' so that it has time to clear ( news to meif it is needed sooner, then why isn't the due date sooner? ). When asked how much earlier, I was told a variety of time frames : " 24 hours, '' " 24 to 48 hours, '' " 3 days, '' " 5 days, '' and " 7 - 10 days. '' All of this made me understand that no one, not even AmEx, knows the time it takes to clear it ( so why am I expected to know? ). And, again, it's too late at this point. 

Besides, if they needed my payment earlier because of some sort of clearance requirements, they should have made my due date earlier, and I would happily comply. 

Each of the eight people I have spoken to has told me that " there's nothing we can do. ''
Product: Student loan

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX-affiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent an RFI to Caliber on XX/XX/2020 to which I got only a partial response. I did get a payment history which seemed confusing and I had sent a second letter to Caliber on XX/XX/2020 questioning some of the charges which seem to be questionable and don't add up. I will attach the letter I sent to Caliber along with the payment history which I am questioning. So far I got no response and the continued reporting of erroneous data is detrimental to me. 

Other issues of reporting are as follows : The full 7 year payment history is not listed High balance of {$250.00} is not accurate Date of first delinquency is not listed
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Mortgage

On XX/XX/18, my home was hit by a tornado. My neighborhood was designated a federal disaster area. My home was damaged and needs a new roof and other repairs. My insurance, XXXX XXXX, completed assessment and gave me a check for {$13000.00} to complete repairs. But the check was made out to me and my mortgage service company, Seterus , Inc . They have kept the funds and will only release 25 % to each contractor after the contractor signs and completes three forms, one which must be notarized. After all forms are received, they mail 25 %, which can take up to two weeks. Then, once the job is complete, Seterus sends an inspector to take pictures. Then, they wait the full 5 business days, review the inspection, then mail the rest of the funds for the job completed. So, needless to say, when I talk to contractors to get roof estimate and explain the above process, the contractors decide not to work with me as they have plenty of work to do for people  who already have their insurance money to complete the work. My roof has still not been repaired as of this date and it continues to leak more and more and cause more damage to my home. Seterus told me they could release 100 % of the funds as less than {$10000.00} was left. They said they could if I found a contractor to complete all repairs and write a letter explaining why the funds are needed up front. I was able to find someone to agree to this. We completed everything Seterus asked for, sent it in, and they still only sent 25 %. I have spoken with them many times asking for them to please send my money. They have money XXXX XXXX gave them for a tree I already paid to remove, which was {$750.00}. This was done day after storm and I don't know how to get in touch with that contractor. There is also money to repair a mailbox and some other small repairs that do not require licensed contractor. Seters did send two payments to the tree removal contractor and electricians. It took such a very long time to receive the money, I was getting calls and texts from the contractors daily. It was so stressful and the continued damage to my home and inability to get my needed repairs done with my insurance money has caused so much stress and trauma following a federal disaster, which was already the hardest thing I have lived through. No one at the company will try to help me or even try to understand when I talk about neighbors two doors down and one street behind whose homes were completely destroyed. I missed work and income due to the storm as well. All I want is for Seterus to release the funds XXXX XXXX provided to me as their longtime customer.