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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I value your help too removed a portion of the data on my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or removed. Per FCRA segment 605 you are expected to eliminate any records recorded on XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT ARE REPORTING INACCURATELY ON MY CONSUMER REPORT. 

XXXXXXXX XXXX - XXXX Pursuant to the FCRA & the FDCPA I respectfully request for full accounting to be provided as proof of these alleged item, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately, I WILL FILE FOR LITIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - I called, Online request and forms and handwritten certified letter in XX/XX/XXXX the letter requesting Inquiries be removed because they were not mine and all other agencies ( XXXX XXXX ) worked with me and the inquiries were removed. Equifax is not even trying and I followed all steps requested but they send generic refusals to me. There were 13 inquires to be removed and they failed to properly remove it after I did my due diligence and reporting. 

XXXXXXXX XXXX XXXX XXXX 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

My loans were forgiven in full in XXXX. I show that the credit card companies have received info from XXXX, but it still shows my loans are active and in repayment with the full balance listed as owed.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX  EST I received a text notification saying my telephone number had been changed in my chime back account. Im thinking too myself impossible because I didnt do this nor do I know this number. Upon further inspection I try to change my number back and Im locked out of my account. By the time I gain access to my account again all of my money XXXX $ is stolen out of my checking and savings account. Im filing this report to stay ahead of this dispute. I immediately called chime by XXXX XXXX  to report the theft. I do not want to receive an email saying no error occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Carrington Mortgage XXXX XXXX In XXXX, my wife and I were notified by Carrington that we could participate in a forbearance offer due to COVId. We decided to participate and did so for a period of three months. At the end of that time, we found out that Carrington, without informing us, had reported us to the three credit reporting agencies as 60 days late. When we found out this negative information was on both of our credit reports, we made a huge payment to bring the account up to date. Carrington never told us of the limited time of the forbearance, three months, nor that we would be required to make a 2 or 3 month lump sum payment. We were mislead at a time when we were thought we were getting some type of COVId relief. Further the failure of Carrington to timely and clearly inform us that the forbearance had such strict limitations and was actually not a forbearance is disheartening. At the very least, we want the negative, 60 day late payment, reported by Carrington removed from the 3 credit reporting agency reports under our names as at the time we were in the agreed upon forbearance offered by Carrington. I have reached out to Carrington as late as last month with no resolution of this issue. Thank you. 
XXXX XXXX, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I made a payment on my unsecured personal loan ( full contract attached ) asked them to apply it to the principle. The payment was successfully made and applied to my loan ( see screencap from PNC online payment details attached ). 

XX/XX/XXXX @ XXXXXXXX XXXX After not seeing a change in my Maturity Date ( see sections : XXXX, XXXX, XXXX of the contract attached ), I called to inquire why I didn't see a change. The gentleman on the phone at the PNC support center said to check back with support in a few days to allow the Billing Cycle for the month to run in order to possibly see the new Maturity Date. 

XX/XX/XXXX @ XXXX XXXX  After allowing several days for the billing cycle to complete. I called the support center again asking to know what my new Maturty Date is. The agent put me on hold for several minutes. When she came back on the line, she said that they have no way of knowing what the new maturity date would be and that I would have to continue making my full payments each month of {$XXXX} until I finally get a letter from PNC on final payment. I told her that I understand the contract in sections XXXX, and XXXX, but since I put down such a large payment, I felt I was entitled to know what my new maturity date is. I think it is absolutely ridiculus for me to have to " discover '' what my new maturity date is. I'm expecting the maturity date to come forward from XX/XX/XXXX to somewhere around XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

A Wire transfer of {$23000.00} was initiated online on XX/XX/2022, from our corporate account, XXXX XXXX XXXX XXXX, ( XXXX ) to another corporate account under the name of XXXX XXXX Wire transfer was unsuccessful and OFAC was cited as a reason by supervisor in Citibank Wire department. 
All available information requested has been provided. We subsequently canceled the wire transfer on XX/XX/2022. To date our funds have not been returned and reason is that XXXX is not able to provide ownership details of XXXX XXXX XXXX is neither obliged nor expected to know ownership details of XXXX XXXX and is not a valid reason for Citibank to withhold the funds of {$23000.00}. These funds are urgently required by XXXX.
Product: Debt collection

Experian, XXXX XXXX, And XXXX are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to XXXX to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting Experian, XXXX XXXX, And XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, Experian, XXXX XXXX, And XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If Experian, XXXX XXXX, And XXXX do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, Experian, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form XXXX treasury omb forms to audit consumers ' accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act, 15 USC 1681 section 602 a, explicitly states that consumer reporting agencies must treat their duties with 'fairness, impartiality, and a respect for the consumer 's right to privacy. ' As the Consumer, it is my right to ensure that my private information is not shared, as supported by 15 USC 6801, which outlines each financial institution 's obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information.

Under 15 USC 1681 section 604 a section 2, 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' I have not given my written consent for XXXX XXXX XXXX, Equifax, and XXXX, to share my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that 'a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' XXXX XXXX XXXX never informed me of my right to opt-out of information sharing. 

Equifax and XXXX 's reporting practices violate multiple sections of the Fair Credit Reporting Act, including 15 USC 1681C ( a ) ( 5 ), which stipulates that no consumer reporting agency may include any adverse information without the consumer 's permission. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the sharing of inaccurate information, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures. 

I am exercising my right to opt-out of XXXX XXXX XXXX reporting services, per 12 CFR 1016.7. This reporting agency has not demonstrated reasonable procedures and is failing to uphold the Fair Credit Reporting Act. Therefore, I object to the continued sharing of my personal information.
Product: Student loan

The loan servicer is Heartland ECSI. 
XX/XX/XXXX - I called them to see if I could lower the monthly payment on my loan. They told me that my school sets the payment rules, and that it can not be changed. 
XX/XX/XXXX - I called them about the best route forward, if I can move my loan to a different status so that I can repay it once I have income. I had been looking into the forms that they have specifically for my school, and I did not believe I qualified for deferment. They recommended I apply for forbearance, dating it to the first time that I missed a payment. I did so. 
XXXX - I received the first email rejection of the forbearance form, stating the " First page of the form came through blank and only part of the second page ( signature page ) came through. Please re-upload ''. I called them for clarification on what to change so that the form went through properly ; They did not tell me anything about the form that needed to change, just that I should try resubmitting it. The website 's resubmit tool was broken, I got an error regardless of file or browser. They told me to try thirty minutes later, that their technical team would do something. It was still broken thirty minutes later. I called them again- now receiving the instruction to create a new application instead of updating the old one. I did so. 
XXXX - I received the second email rejection of the forbearance form, stating it " came thru scrambled... please resubmit ''. I called them, relaying all old details, asking for their mailing address, and asking about what should change so that the form went through properly. I was advised not to send it through the mail, and that I needed to submit an image file instead of a PDF. I did so. This suggestion, however, confused me, because the instructions on the form strictly state that it needed to be a PDF. I was also confused why, if this were a requirement, it took talking to XXXX different representatives to be informed of this. 
XXXX - I received the third email rejection of the forbearance form. I submitted this complaint. I made a note to physically mail them the form, as well as call them again.
Product: Credit reporting

I received a credit application in the mail and i know it was n't myself that applied for said credit, so i tried to obtain my credit report and it stated that my address is incorrect and i have lived at said address for 8 years. .. Please I was already a victim of identity thieft in XX/XX/XXXX my tax preparer stolen my info as well as my children and spouse due to this he was able to file my tax returns but the irs worked with myself very closely and corrected my return and i received it in XX/XX/XXXX.. Please something is n't right
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE - XXXX ) My personal information was stolen in 2020, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.
Product: Mortgage

Fraud, Robo Signed Documents submitted to The Circuit Court of the XXXX Judicial Circuit XXXX County, Illinois on XXXX XXXX, 2016 case # XXXX XXXX XXXX. I have included a Certified Forensic Loan Audit with an Affidavit for my property XXXX XXXX XXXX, XXXX XXXX, Il XXXX. Shellpoint Mortgage Servicing and its council failed to review documents and files to establish standing and other foreclosure requisites ; filed notarized affidavits which falsely attest to such a review and to other critical facts in the foreclosure process ; and " robo signature '' of documents by parties and council. The wrongful filing and prosecution of foreclosure proceedings which are discovered to suffer from these defects may be cause for disciplinary and other sanctions upon participating council. 
XXXX XXXX XXXX Master Servicer Loan # XXXX, Shellpoint Mortgage Servicing - Loan # XXXX and its attorneys XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Mortgage Pass Through Certificates - Regulated by the Securities and Exchange Commision. Note only one example of " robo signing '' and additional fraud is detailed are in the attached Certified Forensic Loan Audit, Assignment of Mortgage via XXXX, which is inactive but was submitted to XXXX County Recorder of Deeds by XXXX XXXX XXXX has XXXX XXXX signing on page 2 of 4 as Assistant Secretary of XXXX  and on page 4 of 4, has XXXX XXXX Signing as the Assistant Vice President of XXXX XXXX XXXX. I am request dismissal of case and Quiet Title.
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 tak timely and effective measures to prevent a. address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 card or prepaid card

I tried to contact this company about about 2 weeks letting them know that this account was open up fraudulent in my name and the party that open it up has passed away and this company has called me numerous a times harassing me in reference to this and now they are reporting this on my credit bureaus with fraudulent information and this needs to stop and whats crazy is that they allowed someone to open up this account without proper information and now its affecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00}.
Product: Credit card

To Whom It May Concern : On XX/XX/2016 I attempted ( unsuccessfully ) to withdraw ( drive-up ATM ) {$300.00} from my American Express ( Serve ) credit card ( hereinafter AMEX ) - via my local community bank retail branch ( XXXX XXXX, XXXX XXXX XXXX, XXXX, MA ). After correctly inserting my AMEX Credit Card, entering correct PIN #, requesting {$300.00} cash ( sufficient funds in account ) and agreeing to XXXX XXXX and AMEX ATM transaction fee ( s ), the ATM locked-up and shut down, never dispensed any cash whatsoever ( {$0.00} ), and would n't release my credit card. I immediately went in to the bank 's branch, informed Branch Manager of what happened and assistant was able to get my credit card - but no cash ( as requested ). I complained to Branch Manager, then went home and logged in to my AMEX account. My AMEX account had been debited ( same day and time ) for a total sum of {$300.00} from the failed transaction ( {$300.00} cash requested, {$2.00} AMEX withdrawal fee and {$2.00} XXXX XXXX ATM fee. Then I went back to bank branch and was informed that I would have to file a dispute directly with AMEX ( informed by Branch Manager required by federal law via some Regulation E ). The following day ( XX/XX/2016 ) Branch Manager informed me that the funds I requested had been received by them from AMEX and that ( per Regulation E ) they had to wire same amount back to AMEX. So I correctly completed and faxed AMEX 's XXXX-page dispute form. Several days thereafter I received a " provisional credit '' from AMEX for {$300.00} ( within the 10-day period ). Several days later I received e-mail notification from AMEX that I lost the dispute ( was found guilty ) and the funds would be taken back ( my account debited ) on XX/XX/2016 ( which they did ). I was so upset I almost had a XXXX XXXX ( XXXX ). In closure, I 've been ripped-off a total of {$300.00}, and from my perspective it 's outright theft ( stealing ). By what company I do n't know ( 3rd party ATM transactional processors, etc. ). As much as XXXX XXXX staff sincerely tried to help and advise me, neither XXXX XXXX nor I know of what company the credit ended up with. AMEX customer service ( off-shore in-bound customer service call center ) will not, or possibly can not, provide XXXX XXXX and/or myself any contact person or phone # for anyone in the AMEX dispute department. I 've repeatedly called and repeatedly told the case is closed, and nothing can be done. CFPB, I completely believe what happened to me, and likely XXXX 's or XXXX 's of others in the past and future is just not some digital ( programming ) transmission mistake. Bottom-line I want credit card credited for {$300.00}. All of the above is 100 % factual. 

P.S. Hopefully, I will not me executed ( socially exterminated ) for challenging corporate America protocol ( the greed factor ).