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 accounts 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 accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

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: Debt collection

We received a notice dated  XXXX   XXXX  from Financial Corporation of America alleging a medical debt. We responded  XXXX   XXXX  citing subsecti on 809 b of the F air Debt Collection Practices Act with a request that FCOA cease activities to collect this debt until they provide documentary verification of the debt. Thus far, we have received no documentation. However, we received a second notice from  FCOA reg arding this debt, dated  XXXX   XXXX ,  2017 . We understand this second communication to constitute a viola tion of the Act.   The account number in question is  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX XXXX XX/XX/2021 I was a victim of identity theft and my information was used to apply for several accounts, which resulted in me filing a report with Identitytheft.gov and contacting each bureau to resolve as well as dispute the hard inquiries acquired. I reached out to XXXX  XXXX XXXX regarding the fraudulent application and was informed that someone from the fraud investigation team would be contacting me, but no one ever did. Discover informed me that the account was closed and would be updated with all three bureaus to reflect as fraudulent but only a few months were deleted from only my XXXX report and not the overall account as it is still reporting as delinquent and negative. I also contacted XXXX to inform them that I had not submitted an application and was told, " the application was submitted online and flagged as potentially fraudulent, which resulted in an instant denial due to further review being needed '', and was informed that it would be removed within 90 days but that wasn't the case.
Product: Credit card

When I set up this account, I paid it on time every month, shortly after, I set it up for auto payments from my XXXX  account. A few months ago I decided to keep some of my bills separate for better budgeting. I soon decided that I wanted to pay my Rooms to Go account from my XXXX XXXX account. I did forget to switch this auto-pay, however, their system is outdated. 

In XXXX I received a text from Synchrony Bank stating that payment didnt go through, of course it didnt, I didnt have the funds in that account so I logged in and paid it from my XXXX XXXX  account XXXX no issues there. XXXX, the same thing, a text saying it didnt go through only this time the account says no payment due. So I pushed a payment through as a one-time payment for the {$170.00}. Two days later I got the same text and the account says the same thing, no payment due at this time. I thought something went wrong so I submitted the payment again. The next week I received another text, only to find that when I logged into my account, it was closed! I didnt close the account, I didnt even receive a customer service phone call in regards to the account being closed. 

When I called and spoke to a manager, I was put through to the rudest woman, and I could not believe even held that title at a company, just awful and I wish for someone to hear the recording. She didnt care about the situation, she said they closed the account for dishonorable payments, even though they were paid! To make matters worse, out of anger I transferred the full amount to one of my credit card accounts, only to find out a few days later that I had overpaid because of the texts that I kept receiving from them and they didnt even have the decency to return the money to me. I had to ask for it back, I wonder if I hadnt, how long would they have kept it permanently? 

The icing on the cake was that I have 3 other accounts with Synchrony Bank, in which they all followed the leader and lowered my credit lines, which then made my XXXX XXXX  credit card follow suit and they lowered my credit line as well, dropping my credit over XXXX points and just yesterday I was denied the small business loan that I have been working towards and can not at this time open my new business in XXXX as expected and the franchise is not to pleased with me.
Product: Mortgage

After paying off a Ditech mortgage, Ditech sent an escrow check to the wrong address. The party that received the check forged my name and cashed the check. 

I have asked Ditech via phone calls, emails and web requests using their available tools and contact methods over 12 times. When I reach someone, they say it will be sent in 10 days and it never arrives. 

The copy of the check is needed to file a police report. 

Please, please help.
Product: Debt collection

I hereby formally demand the removal of this erroneous account from my credit report. I did not authorize its creation or utilization. Enclosed are the necessary documents to support my claim.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. please remove these accounts from my report. they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts.

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 made a debt request to XXXX XXXX about this account XXXX, i did it many time and then could not provide information about this account.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX XXXX XXXX Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX XXXX XXXX  Balance : {$3100.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Navy Federal Credit Union performed a " Hard Credit Check '' on my account. I have never had an account with them, I have never consented to signing up for any kind of account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX refuses to remove a settled debt off the account for my credit report to become more accurate!
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely.KOHLS/CAPITAL ONE XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already submitted a complaint and received information from the executive office. It was updated but now this month is showing a charge off and a balance and I have a paid in full letter from Chase and the back up from my original CFPB complaint.
Product: Payday loan, title loan, or personal loan

This is addressing the loan I requested and they denied it. There is I feel, subjective inferences in relation to the denial of the appeal. Their reasoning was excessive credit obligations n relation to income. This is why I feel there is subjective reasoning for this. The loan that I requested was not in addition to a current loan that I have with Navy Federal, a signature loan, I wanted to request a loan to pay off the loan that I have, a signature loan that I have with 38 months left at XXXX $ a month. Once I obtain the new loan, it supersedes or pays off the signature loan, with additional funds I requested and the pay off is in 36 months, and that rate was at a lower percentage rate. This would not change what I basically have right now. Now what would be the difference if I added collateral? Does that change the dynamics because if it does this is a fake system. So l would like to proceed with collateral. I have a credit score of XXXX.that proves I am creditworthy. I was never late with any payments owed to XXXX. Like I said I was with this camp for 30years. Im really curious how they determined this.
Product: Credit reporting or other personal consumer reports

well my XXXX  credit account through Capital one informed me that my social security number was compromised and the dark web has access to my information and someone may have access to using my social security number and the information credit wise has is incorrect regarding my birthdate and phone number
Product: Mortgage

I have received notice from the county stating there is a supplemental delinquent tax bill from years ago that has not been paid by my mortgage lender ( freedom mortgage ). I immediately notified freedom mortgage via phone and email and made it clear to them that the issue needed immediate attention as the county woul initiate foreclosure process if there was no resolution by XX/XX/XXXX. Freedom Mortgage has since been working on the issue with no resolution as of today Tuesday XX/XX/XXXX when the county would be finalizing the foreclosure paperwork. I have continually reached out to freedom mortgage and every time they seem to be confused as to what is going on and after hours of me having to re explain the situation they always promise they will work on the issue and be sure to expedite the process but have never been able to get clear answers. The county has also gotten ahold of freedom mortgage directly with same outcome, no results whatsoever ever. Dealing with all this has cost me numerous hours absent from work , county has added $ 900+ in foreclosure fees and my home is now in foreclosure all while freedom mortgage staff seem to be so relaxed just telling me they will look into the situation and not communicating amongst each other. They have not once reached out to me to update or anything its only when I call them and even then they are all so out of the loop and confused, they need to provide specialized training to those who work in their tax department and work on their note taking on accounts and communication amongst each other because this has truly been a huge hassle, huge head ache and huge loss of money and as of yet unsure on what will be of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been conversing back and forth with this establishment with no resolution. There is previous bill from XX/XX/XXXX for {$450.00} that was sent to collections in which I paid the original creditor in full. I was told by the billing department that since Eastern Account System reported that the account was a medical account on my XXXX  credit report it was a HIPAA violation to which EAS broke the law. I called EAS several times letting them know that it was paid to the original creditor XXXX XXXX XXXX as it has been handled directly with XXXX XXXX XXXX and nothing was paid to EAS, they should not be reporting any accounts on my credit reports. I sent them the proof that it had been paid in full and XXXX said they would notify EAS to notify the collection agencies to delete my files ( medical bill which is a HIPAA violation ) and update the credit bureaus. They will send me a confirmation letter. I never received a letter that confirmed that EAS confirmed my payment. I requested one on XX/XX/XXXX and was told we didnt send you one because you didnt ask for one. 
I was told that they havent received anything in regards to this matter. This has been going on for over a month and Im the one thats suffering. Im in the middle of a pandemic and it would be extremely unfortunate if I were to die and my credit report still list this account on there at all because of a violation of my rights. Instead of EAS telling me what they havent received maybe they should refer to the HIPAA Compliance Office at the original creditor or familiarize themselves that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and Texas Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. you may be held liable for the actions of EAS. Please note that these liabilities are under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as  issued XX/XX/XXXX. 
Additionally, I received a response from EAS stating " You did not respond for 8 months. We were assigned the account last XXXX and it wasn't paid until last month despite our calls and letters. It will be correctly updated as pif on your credit reports. '' It's already reported to my credit reports however, it should not be listed as dispute and it would be unsavory if I see that they updated ( for the second time ) and make remarks that I am disputing.
Product: Mortgage

Due to an internal glitch at Franklin American ( their fault ) a payment posted 3 days after I made a payment. It was due on XXXX/XXXX/16, I tried paying on XX/XX/XXXX, but the website was down. I called on the morning of XX/XX/XXXX and the rep assured me he would put it in so it would show posting on XXXX. Well, he did n't follow through causing my payment to post on XXXX/XXXX/16 ... more than 30 days late. Now they 're telling me that I now do n't qualify to have my PMI taken off because of a payment being over 30 days past due and are refusing to do anything about it. IT WAS THIER FAULT I could not make a payment because their website was down and called it in the next day which was STILL within less than 30 days.
Product: Mortgage

I have requested a loan amortization schedule from Select Portfolio Servicing on more than one occasion. They have repeatedly refused to provide this information to me. Furthermore, how can I owe more on my principal balance than what I borrowed on my house. I purchased my home for approximately {$610000.00} back in XX/XX/year>. I put down over 20 % on my home and had a remaining mortgage balance of approximately {$460000.00}. Now I have a principal balance on my loan of over {$600000.00}. What has happened to me with this loan has been criminal at best. Furthermore, not being able to get a loan amortization schedule is absurd. I demand to get a loan amortization schedule and a detailed explanation as to why my principal balance exceeds over the amount of my original loan amount.
Product: Debt collection

I am formally disputing the reappearance of a collection account reported by XXXX XXXX XXXX Co. This account was previously removed from my credit report following a dispute filed several years ago, due to a complete lack of substantiating documentation. Despite this, Experian has resumed reporting the same account without providing any proof of validity, which directly contradicts previous dispute resolutions. 

At the time of the original dispute, I contacted the creditor that XXXX XXXX claimed to represent. The alleged creditor confirmed that no collection account was ever placed on their behalf. I have no contract, agreement, or any form of business relationship with XXXX XXXX XXXX Co.. Therefore, this account is a false and fraudulent entry that must be removed immediately. 

Additionally, in XXXXthe timeframe relevant to the alleged debtI was fully insured and have no other outstanding medical collections, further supporting the fact that this account is baseless. It appears that XXXX XXXX XXXX XXXX is fraudulently claiming a non-existent debt, or they have acquired an already paid account, potentially due to a clerical error. 

Regardless of the cause, I do not owe any debt to XXXX XXXX XXXX XXXX, and no legal or documented evidence supports their claim. This false reporting constitutes a serious violation of my rights, and I demand its immediate and permanent removal from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please contact the Bureaus because I've sent them a letter letting them know these inquiries need to be removed. Due to their noncompliance it has brought me to contacting your company. Please see attachment
Product: Student loan

I was under a legal guardianship from XX/XX/XXXX to XX/XX/XXXX where the guardian was required by the probate court to approve or withhold approval of any contract as I was legally incapacitated with the inability to exercise the power/right to approve or withhold approval of any contract. As a consequence, any agreement, contract, or other binding document I'd sign without concurrent approval for the execution of the document from my then-guardian would have been considered null and void and unenforceable as my signature alone was not valid during that time. Several Promissory Notes containing my signature exists dated between the above two dates but no evidence of concurrent guardian approval can be located for any of them. My guardian did not sign anywhere on the Promissory Notes or include anything written or otherwise indicating approval. The Promissory Notes all have provisions for handling what is unenforceable. I made demands to my loan servicer for those Promissory Notes do one of the following : provide evidence that my guardian approved the execution of those Promissory Notes, or close all loan accounts and discharge all current balances associated with those Promissory Notes. Loan servicer responded by sending me duplicate copies of the Promissory Notes which were already in my files, but no evidence of guardian approval. I made a second demand and their customer advocate person sent back a letter filled with lies about the contents of the Promissory Notes and the actions of my guardian, not doing anything to abide by either of my demands. Loan servicer is now violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 


Account name XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account number XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 




Thank you for your time and help in this matter. 


XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX TRANSFER REFUND ( not processed, now XXXX  months later ). 

The issue started when on Tuesday XX/XX/2019 ( XXXX ), I sent {$1100.00} from XXXX VA to XXXX XXXX The recipient had given me an erroneous name ( or perhaps an incomplete name ), which did not allow him to collect the money. 

It does appear as if I fell for a scam, but nonetheless, the money was NOT collected, and so I requested a refund/return to me the original sender. 

My account is verified with MONEYGRAM, with my State Driver 's I.D., and so the fact that I am the owner of the money that I sent is confirmed and established. 

On several opportunities ( beginning XX/XX/2019, and through to XX/XX/2019 ) after going back to the location -- XXXX XXXX, XXXX XXXX XXXX, XXXX  VA-XXXX  / XXXX -- where I sent the money, I got in touch with MONEYGRAM Minnesota Headquarters / XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX MN-XXXX  [ XXXX ], and convinced them that the sender was not in receipt of the funds ( which they confirmed ) and I was requesting a full refund ( minus transfer fees ), of my principal transfer sum. The MONEYGRAM HQ gave me a new reference number with a refund Reference number, to send the money back to me. 
However, neither XXXX nor MONEYGRAM HeadQuarters have in fact refunded me the money since then, nor have they presented me with a solution and have in fact avoided giving me a clear resolution. They have stated that the transaction seems suspicious which I have not denied being that the recipient was seemingly using a false name, but I am a real person who sent real money and confirmed with a real State-Issued driver 's license. So the fact that I am the owner of the funds I sent is very verifiable. The money is still there. 
They have refused to honor the return Reference number, and so I am writing to request your support in recouping this money, and returning it to me it's rightful owner. 
Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries and accounts that are 100 % fraudulent. I have disputed, but to no avail, I absolutely didnot create accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account being reported on my credit report and it has reached it max time aloud according to The Fair Credit and Reporting Act.