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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX XXXX XXXX Case Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX This account has unverifiable and incomplete information please remove this from my credit report 8. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove from my credit reports balances are Incorrect and Unverifiable Information please remove Immediately per FCRA. 10. The following status of this account is incorrect and incomplete XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 11. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 12. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 13. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX 14. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 15. The following status of this account is incorrect and incomplete and is reporting in accurate balances XXXX Account XXXX : XXXX Please remove it from my credit report. 16. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 17. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX 18. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 20. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

In 2012 I borrowed money from Spot on Loans and paid them in XXXX months later. They did auto withdrawals from my checking and I have the bank statements for proof this paid. Now I am getting collection agency calls to collect on this same account or rather same date of service, and that is the only Payday Loan I made on this date of service.. phone number XXXX XXXX XXXX and another collection Agency last week from phone number XXXX, XXXX. I explained this account paid in full previously and they always send it to another agency. They not only call my number but have found other people in my family their phone numbers. So I ca n't block them. It was my miss fortune to have to borrow from a PAYDAY loan company but I paid it in full. Now it seems that was not enough. I want them to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My privacy rights have been violated by the sharing of my personal information.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the XXXX XXXX XXXX XXXX  I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Subject : Immediate Assistance Required for Blocked Account Im writing to address ongoing issues with my Citibank account, which has been blocked multiple times. Currently, it is completely inaccessible againthis marks the second occurrence in less than a year. Despite my request for an explanation, I have not received any response. 

This situation is urgent as I need funds to purchase XXXX  before the XXXX closes at XXXX XXXX. My health is at risk, and Im feeling increasingly anxious. 

Citibank has repeatedly restricted my access to my own money, which feels like a violation of my rights. I genuinely need help to resolve this. 

Ive reached out to all the provided phone numbers but have not received any answers about the account blockage. I fear I might be told once more that they can shut down my account without explanation. 

Additionally, I have a direct deposit scheduled for a few hours from now. After depositing a check for {$2000.00} into my savings account last night, my access was suddenly blocked once again! 

I appreciate any assistance you can offer to help me with this urgent matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they are not mine, please review them Identity Theft INFINITI FIN SVCS Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card

A fraudulent charge of {$5.00} on XX/XX/23 was made and again on XXXX for {$79.00} reported both fraudulent charges on or about XXXX when charges were noticed. As of XXXX Prosper still has not resolved the issue and continues to charge daily interest on the total amount and recently added XXXX cents of credited interest, this type of practice should be looked into! I closed account as of XXXX due to Prosper in action talked with XXXX different agents on different days each one stated, " I have reported the fraudulent charges so the fraud team can look into it! ". Not one agent has ever stated the case is still open and provided a date is resolution, every agent relayed that it was being reported of new. They make you verify your account with more security than removing a fraud claim! They also closed my account and closed access in app faster! This company definitely needs to be looked into!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account below is still reporting on my Credit Reports and need to correct immediately :
Product: Vehicle loan or lease

I've explained to Ally Financial several times my current financial hardship. We discussed different payment plans making it feasible enough for me to become current with my loan. We agreed that I would pay an extra {$100.00} a month to bring the loan current. However, I am also being charged a late fee of {$100.00} each month, making a current balance unobtainable and furthering my debt. I am now being threatened with repossession, and harrassing calls XXXX to XXXX times a day to my phone and my family members, while still making payments.
Product: Mortgage

This is the second time I have complained and I will continue to file complaints until this is fixed. 

First, the mortgage company, Mr. Cooper, did not inform us of the mortgage assistance programs they have after 3 phone calls. We interpreted that as an attempt to defraud. 

Second, when we finally discovered the program, we began the application process. They explicitly state the underwriting is paused while we are applying. That was fine. 

The process of applying was brutal and took a long time. We were denied. That is okay. But the process of us finding out was unlawful and unethical. You can not begin the underwriting on a loan and not inform the people responsible for that loan. That is what happened to us. We were denied and we were not informed until a week after the decision was made. 

The company claims to have contacted us but I have no emails, phone calls or text messages from them letting me know that the application for mortgage assistance was denied. My first indication that it was denied was when I received notification on XX/XX/XXXX, screenshot attached, that I had a negative report on my credit report. I looked and saw it was Mr. Cooper. I thought it was a mistake considering we had not heard from the company about their decision. So I decided to wait, and call after the weekend. 
Then I get a certified letter in the mail stating the mortgage was due. Granted, at this point, we still had not been notified of the decision concerning our application. Then 4 days after I got the hit on my credit report, we received an email stating we had a document to review. No phone call. No text message. No direct statement to make sure we received the information. On XX/XX/XXXX, see screenshot, we were notified of our denial. 
I don't care that we were denied. Although we struggled for a couple of months, we are caught up completely and are looking to refinance with a different company so we no longer have to work with you. I have also spoken with XXXX XXXX and the VA regional home loan officer to make sure they are aware of how you treat veterans and to make sure your company is not allowed to hold VA loans. 
You made no attempt to collect the debt before you reported that the payment had not been made. So you will fix the credit report. It does not hurt your company one bit to make this right. But it will hurt your company to continue to act unlawfully and unethically with a veteran and person of color, both protected classes. You will fix this error.
Product: Credit card

I set up a bill payment on XXXX XXXX that my bank did n't send out and I caught the error on XXXX XXXX, then promptly called to make the payment and waive the late fee because of a bank error, before any late fees had been assessed. I made a payment XXXX XXXX of my normal monthly amount of {$25.00}. I got XXXX calls, XXXX at XXXX, XXXX at XXXX and again at XXXX from them on XXXX XXXX. They had apparently applied the late fee to refund to the account balance rather than to the amount due, and they told me I now owed them {$65.00} by XXXX XXXX. They ( now speaking with a manager ) said that they wo n't refund the XXXX late fee until that amount is paid in full, and that they will apply it to the account balance. They said that I was n't being punished for the bank error on the phone, but this is just the way they operate. She also insinuated that I was in the wrong in asking her to fix my monthly amount due rather than applying it to the account balance.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$670.00} XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I refinanced my car loan ( XXXX - XXXX XXXX XXXX XXXX, N.C. XXXX - ( XXXX ) XXXX ) Unfortunately XXXX XXXX did not post the payoff for the vehicle until XX/XX/17 which caused a 30 day late payment rating on my credit report. 

I refinanced my car loan with XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, California XXXX - ( XXXX ) XXXX. Thank you in advance for your assistance
Product: Mortgage

I sought a three-month forbearance assistance from my mortgage company, ( PHH Mortgage ) from XXXX to XX/XX/XXXX. My understanding was that after the forbearance period I will resume my normal monthly payments of {$2400.00} on XX/XX/XXXX. 

My understanding was based on the fact 2 years earlier I had sought similar assistance whereby the total of the forbearance period mortgage amount was added to the principal mortgage amount. Also, in the forbearance approval notice, there was no mention of the total three months forbearance period mortgage payments coming due in XX/XX/XXXX. 

When I submitted my regular monthly mortgage of {$2400.00} for XX/XX/XXXX, PHH Mortgage refused to accept it and rather asked me to pay a total of {$15000.00} covering XXXX to XX/XX/XXXX, XX/XX/XXXX and some other fees and expense which has been in dispute for years. I also tried to pay XXXX and XX/XX/XXXX they still refused to accept it and have me reported to the credit bureaus for having defaulted for three months starting from and including the approved forbearance period. 

I have written to plead with them, talk to their customer relations department all to no avail and know they are threating to foreclose on the property. 

I need help - for them to allow me to continue with my previous monthly payments.
Product: Debt collection

Received a call at XXXX on XXXX XXXX, XXXX. After they verified i was the right person they then begun to dun me about a XXXX Mississippi hospital bill with a balance of XXXX. I asked when the service date was and was informed it was XXXX. Really XXXX I told the collector that the bill was not only out of statue of 7 years but 17 years old. I was then informed that I would pay voluntary or they would sue me. Really i asked i then stated to the collector the same information back. I then asked if that is an account they would sue and was assured it was. I then let the collector that I had been in collections for 30 years the last 15 in a collection law firm and I would be contacting the CFPB on his violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I purchased an Equifax Complete Premier Plan on XX/XX/XXXX directly through Equifax 's web site. I purchased the plan to protect myself and my financial accounts from identity theft. I also purchased the plan to have my personal credit reports monitored and protected. 

Unfortunately Equifax did not protect me or my accounts. I was informed from my father-in-law that there had been an Equifax breach and I was completely shocked and alarmed because Equifax was supposed to protect me, not violate me. Till this day I have never received an email or letter from Equifax informing me of the breach. 

In addition, I paid in full for a service that I did not receive. Equifax withdrew {$1.00} from my bank account on XX/XX/XXXX and {$190.00} on XX/XX/XXXX. 

I have contacted Equifax several times via phone and I can not reach a live representative. My phone calls are either disconnected or re-routed to another automotive system. When I have accessed my account via their website I 'm kicked off and receive an error message. 

I was able to log onto equifaxsecurity2017.com however they asked for more personal information which made me uncomfortable. I did speak with a live customer service agent but they could not help me get a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be verified or removed Immediately. 

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

XXXX XXXX sent new report ( attached file ) -credit limit XXXX increased to three credit bureau . Credit bureaus need to update based on XXXX XXXX  document I attached.
Product: Checking or savings account

On XX/XX/year> at XXXX I deposited a check in the amount of {$49000.00} at a Chase branch. The funds were put on hold pending verification until XX/XX/year>. On XX/XX/year> when I logged into my account to verify the deposit my account was restricted and pending closure. I called Chase Bank and was informed that my account was being closed due to not being able to verify the check. I was transferred to numerous representatives. On XX/XX/year> at XXXXXXXX XXXX I spoke with XXXX XXXX who called ( via 3way ), the issuer of the check to verify- and the check was verified via telephone. XXXX XXXX then put in a request to reopen my account due to the check being verified XX/XX/year> the funds ( {$830.00} ) that were previously in the account were then released back into the account. My account was then back active, and no longer flagged. I was told it would take about 5 business from XX/XX/year> for my check deposit of XXXX be released. During this entire process I never received communication from the bank. XXXX XXXX is the only follow up call I received on XX/XX/year> - stating my account and funds would be released. Chase Bank has not given me an answer or resolution- it has almost been a month on XX/XX/year>. This check is not a personal check and issued by the US Treasury ( retirement funds ), and also verified by the issuer via telephone. Chase states they need an email verification- they also stated they sent a request on XX/XX/year>. This is causing me great stress and my bills are overdue. I have called Chase every other day since XX/XX/year> - even being escalated on today XX/XX/year> to a supervisor by the name of XXXX.
Product: Credit card

I was contacted by a collection agency about a credit card that I did not know existed. After speaking to them they agreed to turn the debt back to Bank of America as a possible fraud situation. I contacted B of A 3 times by letter explaining that I did not live at the billing address and had n't since XXXX. It appears that my ex wife was using the card, I asked for a copy of the card application and the charges, I also gave them my correct address. This started in XXXX, to date there has been only XXXX response which states that they changed my address in XXXX XXXX. In the mean time they charged off the debt and sent me a XXXX this year for over {$10000.00}.