23daVinci/CFPB_Complaints huggingface dataset:
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/block any items 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation. 
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX FI - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

1. Date of last payment is being reported incorrectly on credit account for Synchrony Bank/JC Penney on the XXXX credit report ( report XXXX, date XXXX XXXX, XXXX ) and XXXX credit report. The date of last payment is reporting as XXXX XXXX ; however, last payment was on or around XX/XX/XXXX or XX/XX/XXXX. 

On XXXX XXXX, XXXX, I attempted to reach Synchrony Bank/JC Penney at ( XXXX ) XXXX XXXX, the number listed on the credit report, and spoke with XXXX, id XXXX, who advised that I needed to speak with a " specialist '' at XXXX XXXX XXXX. Upon calling that number, I was placed on a lengthy hold and then disconnected. 

I called a second time to speak with an agent/ '' specialist '', XXXX XXXX XXXX She said the company maintained absolutely no records regarding this account, that it had been sold to Encore XXXX, and that the account and records had been transferred to XXXX ; however, it is not XXXX that is reporting this item. XXXX admitted that, in fact, Synchrony was reporting this item despite having no records to support the reported item. 

I believe that is wrong and unfair. I asked for the item to be deleted, and was advised she had no option over the phone to process that request. While offered the opportunity to write a letter, I do not think it 's fair that I, the consumer, would have to go through all of that burden, when they are the ones reporting items incorrectly and with no documentation to support this. I would like the CFPB to review this problematic practice.
Product: Credit card

XX/XX/XXXX Discover Financial Services XXXX XXXX XXXX XXXX, DE XXXX Subject : Unethical Practices | Internal Blacklisting of Accounts Dear Discover Financial Services, I am writing to express my concerns regarding what I perceive as unethical practices within your organization, specifically related to unexpected and unfair account closures and the internal blacklisting of accounts with inaccurate derogatory notations. 

I have been a Discover Bank account holder since XXXX XXXX during which I was in the process of rebuilding my credit. My account was abruptly closed in XX/XX/XXXX under the pretext of an inability to verify my identification, despite my provision of the requested documentation. This closure was made with no opportunity for reconsideration or resolution. 

Fast forward to the present day ; I am still a Discover Bank customer, yet I am limited to banking services only. My attempts to prequalify for another Secured card account have been automatically denied due to an internal flag on my profile. The sole reason provided for this denial is " Status of Existing / Prior Discover Card Account. '' This issue is not unique to me. Since XXXX numerous customers have publicly reported similar experiences of unexpected account closures. There is a growing concern amongst former and existing customers about this particular issue. Furthermore, I have previously filed a formal complaint ( CFPB Complaint ID : XXXX ) against Discover Bank for similar unethical practices, which remains unresolved to date. 

In light of these issues, I am requesting the following : A comprehensive review and removal of the flag from my profile, allowing me to reapply for credit products without automatic denial. 
A manual review and/or reconsideration ( recon ) of the closed card account, focusing on the possibility of opening a new account, rather than necessarily reopening the old one. 
An explanation and review of the policies leading to such actions against customers. 
I look forward to your prompt response to these concerns and hope for an amicable resolution that reaffirms the trust in your services. I appreciate your efforts in addressing this matter. This letter will serve as documentation for the formal complaint to be filed against Discover. The complaints will remain active, and I will consider retracting them if Discover provides a fair resolution in an urgent manner. 

Regards,
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing inaccuracies reported by XXXX regarding my LEAD BANK account ( Account Number : XXXX ). Despite repeated attempts to resolve these discrepancies, XXXX has failed to properly conduct a thorough investigation, resulting in continued misrepresentation of my credit report. 

Issues with XXXX 's Investigation : Inaccurate Account Status : XXXX has reported the LEAD BANK account as " PAYS AS AGREED '' with a zero balance, yet it also includes a charge-off amount. This contradiction creates confusion regarding my obligations and misleads potential creditors. 

Discrepancies in Payment History : XXXX has failed to accurately reflect the accounts payment history. The history indicates delinquencies from XXXX and XXXX, which conflict with its current status as " PAYS AS AGREED '' and closed with a zero balance. This misrepresentation negatively impacts my credit score. 

Incorrect Date of Last Payment and Closed Date : XXXX has continued to report an inaccurate date of last payment ( XX/XX/XXXX ) and closed date, despite LEAD BANK confirming the account was paid in full and closed. These inaccuracies should have been corrected in the investigation process. 

Lack of Full Investigation : Despite submitting detailed documentation and multiple attempts to dispute these inaccuracies, XXXX has not provided a complete resolution or thoroughly researched the discrepancies as required by law. 

Ongoing Delinquency Reporting : XXXX has not adequately addressed the inaccurate delinquency reporting, despite being informed that the account is paid and closed. These delinquencies should be removed as they no longer reflect the current status. 

Request for Immediate Action : Given the above, I request that XXXX conduct a proper investigation and correct the inaccuracies on my credit report. Specifically, I ask for the removal of late payments Additionally, I seek an explanation of how XXXX plans to prevent such errors in the future. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have only applied for 2 loans in 2 years and there are several inquiries on my report that I did not do. 

XXXX 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 Please verify or remove these fraudulent inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired a copy of my report in XXXX dated XXXX and I found out that Equifax still indicates my dispute of information in my credit report. As of todays date, Equifax has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX BANK XXXX because I believe it was reporting in error.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX, TN XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] XXXX XXXX XXXX ] [ Student Loan Servicer ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, TX XXXX ] Subject : Urgent FERPA Violation Dispute Unauthorized Access & Deletion of Student Loan Data Dear [ XXXXXXXX XXXX ], I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled XXXX XXXX and XXXX : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( XXXX XXXX. XXXX ; XXXX XXXX  Part XXXX ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

XXXX XXXX XXXX  I am formally requesting the following actions : XXXX. Immediate Investigation XXXX full audit into whether my records were accessed, altered, or deleted without my consent. 

XXXX. Full Disclosure XXXX comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records. 

XXXX. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken. 

XXXX. Future Compliance Assurance XXXX formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur. 

I expect a written response within XXXX days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the XXXX  Department of Educations XXXX XXXX XXXX XXXX ( XXXX ) and explore legal remedies. 

Please contact me at [ XXXX ] or [ XXXX ] with updates. I trust that you will handle this matter with the urgency it demands. 

Sincerely, [ XXXX XXXX XXXX ] [ Student Loan Account Number ( XXXX ) ]
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to inaccurate debt reporting by XXXX XXXX XXXX, which is appearing on my credit report. This error has resulted in financial harm through credit denials and reputational damage due to the false representation of this debt. 

On XX/XX/year>, I contacted XXXX XXXX XXXX directly, disputing the debt and requesting documentation in accordance with my rights under 15 USC 1692g Sec. 809 ( b ). To date, the company has failed to provide sufficient documentation to validate the debt, including : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to the collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Despite the lack of response or proper validation, this debt remains inaccurately reported on my credit report, and this misrepresentation is unjustly harming my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 news was released that Equifax had a data breach. According to their website, my personal information may have been compromised. As a leading credit reporting agency, I am disappointed that they did not have the security precautions necessary to prevent this hack. I am also upset that executives of the company acted in poor conduct by selling stock days after they were told about the attack.
Product: Mortgage

We began the process of applying for a construction loan with Truist Bank to build a modular home in XXXX of XXXX. We received a pre approval in XX/XX/XXXX. The mortgage loan officer was frequently unresponsive and then in XXXX of XXXX the officer changed without any communication from our original loan officer. Currently, the bank is continuing to ask for more documentation that was not originally stated we needed such as references for our contractor. Documentation has also expired due to the numerous delays such as our credit score. Our credit has had hard inquiries 3x which has impacted our scores. We have reached out to the supervisor but there continues to be no resolution.
Product: Payday loan, title loan, or personal loan

ON or about XX/XX/2017 XXXX XXXX located at XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX entered into agreement with Green Sky Lending, XXXX XXXX XXXX, XXXX, Georgia XXXX. This agreement was entered in my personal name XXXX XXXX on a Invoice in My wife 's name. We never signed nor agreed to any loan application, This was marketed as a interest free note through XXXX XXXX. This was a replacement of air conditioner system which failed. My wife having XXXX XXXX and awaiting XXXX XXXX  was not equipped mentally to make such financial decisions. After install we had major failure within the system with mold, that I had another contractor resolve at a cost of XXXX dollars. After this failure, My accountant paid the total outstanding balance down to XXXX balance thinking the contractor was receiving payments from Green Sky. I  never signed nor agreed to this note, nor is there any signature of my wife and only an estimate that has her name on it. I consider this a fraud on myself, Green Sky and XXXX XXXX  to which this invoice was sold.
Product: Credit card

I have been a victim of identity theft and my personal information was used to open up fraudulent accounts. I have reached out to the creditor and they agreed that the accounts were, opened up fraudulently. I then reached out to the credit bureaus to have. these accounts remove. Its been over a year and the incorrect information is still on my credit report impacting me in a negative way.
Product: Mortgage

We moved to a new state and were unaware and not told about a school tax of XXXX per year. All of a sudden our proceeds check from the sale of our previous home was that much less. We also were not notified that escrow did not include ANY taxes for the next year. 3 months after obtaining the loan/moving in an escrow analysis was done and our payments are going up 33 %! It's $ XXXX per month increase we were unaware that this could even be a possibility. Escrow was to cover taxes so how is it that this is possible? No return calls from loan processor, his boss, or for the 2 messages I left for consumer affairs/complaints dep't. I already spoke with the city assessor and our tax amounts didn't change nor did the house assessment value. This is generating a severe hardship ( both situations ). We would have NEVER been approved for this mortgage had they done a proper analysis for escrow, etc.Not to mention the closing document was changed after we signed at closing. The entire process was very frustrating, difficult, not followed through with in a timely manner, and now we are stuck in a rut. How is it that this slipped by our lawyers as well as Mr Cooper 's lawyers? Is it not illegal to avoid disclosing these potential situations?
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with Bank of America, who confirms that there is no fraud on my account, only unemployment and unemployment have the account in closing status due to inactive activity, with {$1.00} in the account. Bank of America is flagged on my XXXX XXXX account, marked as fraud which is incorrect. This is a violation of my privacy and defamation of character that caused me to be denied a banking account with XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent XXXX XXXXXXXX XXXX XXXX  XXXX dollars for a car part that was never shipped and turned out to be a scam. I applied for a refund but was denied. So I am filling a complaint against cas app ( Block , inc ) due to inadequate customer service and unfair practice. Which violates the customer financial protection act ( CFPA ) specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore the dispute resolution process was unfair and descriptive. As they did not comply with error resolution requirements under the electronic fraud act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX acct ending XXXX This is he accounts that is is giving inaccurate information
Product: Prepaid card

I received a prepaid card in the mail from Netspend welcoming me to my new account. I did not open an account with this company and indeed have never even heard of them. When I called them I was informed that it appears someone had committed fraud opening an account in my name utilizing my social security number which was part of an earlier data breach ( XXXX XXXX XXXXXXXX ). When I asked them to disclose how someone was able to open such an account despite my credit being frozen and an existing fraud alert on my credit file because of a similar issue in the past with another financial institution, I was informed that the only way they could discuss anything with me was to contact my local law enforcement and file a police report which I would then need to fax to them with additional information. I am obviously not going to do that because it would be hours of work for likely zero benefit. It is frustrating to me that financial institutions continue to allow people to open financial accounts fraudulently in my name, using my information, despite there being both a fraud alert and my credit being frozen. I'm not sure what can be done but a company choosing to do this is clearly willing to engage in fraud and unwilling to spend the resources and effort to ensure that people are genuinely who they pretend to be when opening an account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My personal information was exposed and leaked during the Equifax Data Breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, I was made aware that several loans with XXXX had been opened fraudulently under my name. Because I was unaware they had been opened, I had several late payments reported and some charged off on my Experian report before I could attempt to stop them and contact XXXX I have contacted XXXX directly, filed a police report, and contacted Experian 's fraud department and provided all the documentation they have requested in an attempt to dispute and have the fraudulent loans removed from my report. Neither XXXX nor Experian have removed these fraudulent accounts despite providing the documentation they requested.
Product: Debt collection

Dear CFPB Ombudsman, I am writing to file a complaint against NCB MANAGEMENT SERVICES INC, regarding the collection of a debt. I believe the debt collector has violated the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws per 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( A ). 
In addition to the above violations, I request that the CFPB investigate whether the debt collector has the legal right to collect this debt. I believe that the debt collector may not have obtained a valid assignment of the debt from the original creditor. 
I formally request that the CFPB compel the debt collector to provide me with a copy of the purchase agreement between them and the original creditor. 
I request that the CFPB investigate this matter and take appropriate action to hold the debt collector accountable. I also request that the debt collector be ordered to cease all collection activity on this account and remove any negative information from my credit report. 
Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX