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

Dear CFPB, I am writing to file a formal complaint regarding identity theft, which has resulted in fraudulent accounts and inquiries appearing on my credit report. I have attached my FTC Identity Theft Report, along with my identification documents, for verification. 

In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I request the immediate removal and blocking of the following fraudulent accounts and inquiries from my credit report : Unauthorized Inquiry XXXX XXXX Date of Inquiry : XX/XX/year> Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

Incorrect Personal Information Former Name : XXXX XXXX Please correct and remove this from my credit report. 

Incorrect Personal Information Former Name : XXXX XXXX Please correct and remove this from my credit report. 

Incorrect Personal Information Also Known As : XXXX XXXX Please correct and remove this from my credit report. 

Incorrect Personal Information Also Known As : XXXX XXXX Please correct and remove this from my credit report. 

I request that all fraudulent information be blocked and removed as per FCRA 605B. Please provide me with an updated copy of my credit report once these corrections have been made. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Identification Documents
Product: Mortgage

I have been working with Movement Mortgage virtually and the loan was set to close at the end of XXXX pending the appraisal amount. The loan is for {$140000.00} dollars on a property I own free and clear. 
The appraiser came out XX/XX/year> to do the appraisal. Then the loan officer said there was an issue with the appraisal. These went on for weeks. What was happening is the house appraised for over {$250000.00} they were trying to get the appraiser to lower the value. The appraiser updated it twice last update was done on XX/XX/year> and the bank held the appraisal from me for weeks. 
The lender came back and said I need a new appraisal. After 30 days, and me consistently asking for an update they gave me the appraisal and the value is {$250000.00} the loan amount is {$140000.00}. 
I have requested to have a refund of the appraisal fee of {$700.00} at this point. It seems unethical to try to get the appraisal decreased based on their personal opinion verse the approved appraiser.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed accounts that appear to be misreported or inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX has reported delays in the XXXX credit agency since XXXX and is incorrect and accepted the error and does not correct it. My score has been damaged and I had a medical emergency and I was denied loan because of that error in my record.
Product: Checking or savings account

They said that someone was trying to open a Chase Bank account using my personal information and they were calling to verify and I told them that I have no dealings with Chase, they recommended you to me for fraud. I haven't had any letters come through the mail about this situation, glad Chase called..
Product: Credit reporting or other personal consumer reports

I am writing to formally document the egregious violations of my consumer rights by XXXX, regarding an ongoing dispute that has remained unresolved since XX/XX/year>. Specific Concerns : 1. Dispute Status : Open/Pending since XX/XX/year> XXXX. Multiple Unresolved Data Breach Impacts : - Equifax Data Breach - XXXX XXXX XXXX XXXX Data Breach ( XX/XX/year> ) Critical Violations : *Failure to complete dispute investigation within the mandatory 30-day timeframe - * Providing " verified '' responses to disputes that remain officially open - Continued reporting of unauthorized inquiries and accounts * Repeated disregard of my comprehensive documentation Legal Requirements Violated : Within XXXX, XXXX , or Equifax * Fair Credit Reporting Act ( FCRA ) investigation timelines- Consumer protection mandates for accurate credit reporting - Reasonable investigation of disputed items Documented Actions Taken : - Multiple written dispute communications- Repeated attempts to resolve unauthorized entries - Comprehensive documentation of identity theft and unauthorized accounts. 
Credit bureaus have failed to : - Conduct a proper investigation - Respond within legal timeframes - Protect my consumer rights - Maintain accurate credit reporting I demand a written response within 10 business days detailing : Inquires that have been asked to be removed several times none are mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several addresses that have been asked to be removed several times as they are not mine Collection XXXX removed but the others remain on my credit report after explaining several times I have not done business with any of these companies as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've sent this over and over to have verified and accurate on these accounts but ongoing investigation so who verified these accounts if my dispute is still open for nearly a year now. 

These are illegal practices they are conducting on my credit report without my permission.
Product: Mortgage

On XX/XX/2009 I got behind on my payments at which time I contacted my mortgage company, which was XXXX. I requested a modification. I filled out the necessary paperwork and did receive the modification. However, I feel that the modification was not a way to help me but for my mortgage company to get more money in the long run from my misfortune. I feel this action is reflective of predatory lending and that I, being a senior citizen, have been taken advantage of. Due to time constraints, facing foreclosure, the mortgage company extended my loan to a 40 year long and attached a {$44000.00}. lien. Now, years 1-5 at a payment of {$1500.00} I paid {$95000.00}. Year 6 I paid {$21000.00}, year 7 I paid {$23000.00}, year 8 to date I paid {$17000.00}. This is a total of {$150000.00} give or take a few small adjustments. Now having said that I am not even close in time to where I started at when I recd this modification. I still owe 32 years and 4 months at {$2200.00} per month. I am now XXXX years old. At time of maturity I will be XXXX years old and I will have paid back {>= $1,000,000}. All for a {$350000.00}. loan and for a house that is now worth approximately {$280000.00}. I would say I am stuck. The principal balance still remains at {$320000.00} after paying for 8 years and 8 months the sum of {$150000.00}. I have contacted Nationstar and ask for a breakdown of the {$44000.00}. and have not recd that breakdown. At this point I would love to get out from under this nightmare but as you can see I am pretty much stuck. I am requesting an adjustment of the {$44000.00}. Nationstar has already more than tripled their profit and I am drowning. Please help me with this issue and I am not getting younger and this is affecting my health. Thank you for your help.
Product: Mortgage

My loan servicer PennyMac hired a company to check on my property. That company broke into my property on several occasions and took all of my personal property. I filed a police report. To date I am paying my mortgage and am unable to live in the house because I have nothing. 
This happened on or about XX/XX/2018 to XX/XX/2018 while I was out of state. I filed a police report. 
No one wants to accept responsibility. My loan has now been transferred to XXXX XXXX services.
Product: Checking or savings account

I made a timely payment on my online banking on X/XX/17 to  XXXX for my life insurance policy. My bill pay set up apparently had an old address in the system which was no longer good. [ That was an oversight on my part. ] Since the address was old and the mail was no longer being forwarded to the new address, it was returned to my bank. Citibank NEVER notified me that the payment had a problem. I was not aware that this payment was returned to my bank for want of a better address until I received a letter from XXXX notifying me that my life insurance policy had lapsed. Now it is cancelled and they want me to re-apply. I do not think it should be acceptable in 2017 that a major banking institution would not be required to provide me with notification in writing that a payment I sent out was returned. This should be a requirement. Their answers was basically that they are sorry but because I did not have a box checked in my online banking that I wanted to have an email sent to me when this particular circumstance arose I was out of luck. Mind you, I had NOTHING checked one way or the other as I never utilized this set-up. They were free to contact me via mail, email, phone, etc. but did not and I have been harmed irreparably. I would like you to force them to institute proper policies and procedures for their customers.
Product: Money transfer, virtual currency, or money service

Hello Sirs. 
I am a widow selling online my late husband 's militaria antique collection. As a payment method I was using Pay Pal payment method. 
OnXX/XX/XXXX I have received from PayPal email that my accounts are permanently closed and I will not be able to open another account. My funds were put on hold for 180 days with option to release in 180 days. I have contacted Pay Pal agents several times and they explained me the reason - violation by accepting PP payments for antique fire arms ( I did not know about this PP rule which is not an excuse for me ). 
All the agents whom I contacted with had assured me that in 180 days onXX/XX/XXXX my money would be released and they will instruct me how to procede. 
But onXX/XX/XXXX full amount of {$6.00} XXXX from my account was transferred to PayPal without any notifications and explanations. PayPal did not release my funds in 180 days ( XX/XX/XXXX) as was promised. 
Please help me to get my money back. I am single senior widow and it is hard enough to survive during this challenging times due to pandemic.Thanks in advance.
Product: Student loan

I am currently on an income-driven repayment plan in which I have to re-certify annually. I submitted my certification documentation on XX/XX/XXXX. Since that date, I still have yet to receive a change in repayment plan. On XX/XX/XXXX, I contacted Fed Loan Servicing requesting a status update on my request and received a response on XX/XX/XXXX, stating that I would need to make a payment in the Standard repayment plan to proceed with the request to change my income-driven repayment plan. I paid the minimum due of {$360.00} on XX/XX/XXXX. It was communicated to me on XX/XX/XXXX, that my documentation had missing information-how often my husband and I are paid. I responded with the requested information on XX/XX/XXXX, and was under the impression that my request would be processed. I followed-up via e-mail with Fed Loan Servicing on XX/XX/XXXX, asking for a status update. I received a response the same day that I had satisfied the one-time payment and that I would be contacted once the review was completed. On XX/XX/XXXX, I still had not received any notification so I, again, e-mailed Fed Loan Servicing requesting a status update. I was informed by " XXXX '' that the payment that I made XX/XX/XXXX did not qualify and that the opt-out procedure had not yet been submitted. Please remember that I did not submit my request until XX/XX/XXXX, to begin the process so I 'm still unsure where the information about my XX/XX/XXXX payment came from and XX/XX/XXXX, they were supposed to submit the opt-out procedure. At that time on XX/XX/XXXX, I contacted Fed Loan Servicing by phone. The representative apologized and stated that there was a mistake on their end. He contacted his supervisor and they escalated the request. I received documentation from them on XX/XX/XXXX and XX/XX/XXXX, which the rep. stated would happen so, again, I thought things were moving along. Now, it is XXXX XXXX, XXXX, and I just received an update. My request was denied due to missing information-how often my husband and I are paid. I had already provided this information back on XX/XX/XXXX. I responded via e-mail to the request for the information and also advised them that I had already provided the information to them previously. I am very frustrated with this process and the lack of competency to complete my request. I have been through this process for a couple of years now and have never had this problem before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
[ No Name of Account ] - XXXX... 
XXXX XXXX XXXX - XXXX .... 
XXXX XXXX XXXX - XXXX... 
XXXX XXXX XXXX - XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00}
Product: Checking or savings account

Improper Debt Collection The credit union froze electronic account access and disabled electronic services after I became delinquent on a Navy Federal Credit Union. hut down a consumers debit card, ATM, and online access to the consumers checking account. The only account actions that I could take online was to make payments on the overdrawn accounts, which I paid in full XX/XX/year>. I was given no advance notice. 

Pursuant to the Dodd-Frank Act, the CFPB has the authority to take action against institutions or individuals engaging in unfair or deceptive acts or practices or that otherwise violate federal consumer financial laws. 

Correct debt collection practices
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my coinbase account was hacked, and approximately {$1000.00} dollars of cryptocurrencies were sold and the money transferred out. Original total investment in the account was roughly {$6000.00}, but current prices at the time was {$1000.00}. Coinbase has never resolved the problem, and though it's supposed to be insured, says they do not reimburse for hacked accounts. They only reimburse for " theft ''. Not sure how else one can steal money without hacking. They will do nothing, and to-date, I am still unable to get access to the account. It does not send me an e-mail to change my password, or access it. They send me the same repeated e-mail over and over when I reach out to them about checking my spam mail, but it is NOT in there. Can you PLEASE help me get a reimbursement?
Product: Credit reporting or other personal consumer reports

Capital one credit card application, somebody has used my identity! I want my XXXX points back! This is XXXX XXXX! I wont ever apply for a credit. Card. I know better than that
Product: Debt collection

Account was open by fraud I never have used or had this account. When called to report they denied to take down information and said it was a subscription but reporting as a credit card in which none was mailed or received by me from the company
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account XXXX. XXXX XXXX XXXX {$650.00} XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$670.00} XXXX. XXXX XXXX XXXX  {$890.00} XXXX. XXXX XXXX XXXX XXXXXXXX {$160.00} XXXX. XXXX XXXX {$300.00} XXXX. XXXXXXXX XXXX XXXXXXXX {$2100.00} XXXX. XXXX XXXXXXXX XXXX {$2300.00} XXXX. XXXX XXXX XXXX {$350.00} XXXX. XXXX XXXX XXXX {$970.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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, credit repair services, or other personal consumer reports

I have submitted three letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to XXXX requesting removal of two accounts XXXX XXXX XXXXXXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) the listed accounts aren't mine and they're refusing to show me proof, like a wet signature or signed contract agreement that the accounts are legally my accounts. I have also call the reporting agency several times to get this matter resolved. These referenced accounts have been removed off my XXXX report due to illegal reporting of false accounts. 

I have submitted three letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to Equifax requesting removal of one account XXXX XXXX XXXXXXXX ( XXXX ) the listed account isn't mine and they're refusing to show me proof, like a wet signature or signed contract agreement that the account is legally my account. I have also call the reporting agency several times to get this matter resolved. These referenced account has been removed off my XXXX report due to illegal reporting of false account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account sold. Nomaccounting information being provised on this account after repeated inquiries. Master promissary notes are not original contracts. Accounts have multiple servicers and can not obtain accurate information on none of these accounts. All i get is threats of wage garnishments. The amount on the account is grossly well above the cost to attend the institution. Amount on credit reporting agency is XXXX but letters sent to me is XXXX. School doesnt cost nowhere near that to attend. Accounting information needed to verify this account. Amounts on promissary notes sent to me are thousands of dollars less than being reported and letter sent to my address of garnishment. There is over 23000 difference.
Product: Credit card or prepaid card

I have received a billing statement from HOME DEPOT for a credit card which has NEVER been applied by me, this was received in USPS mail on XX/XX/2020. 

The amount of credit limit on the statement shows up as {$8000.00} and the Purchases made fraudulently on that are of {$5300.00} I had called the HOME DEPOT credit card Customer Service on XXXX, and they were not able to resolve so they connected me to their fraud protection agency who were on the phone with me on XX/XX/2020 for 1 hour 16 minutes from XXXX CT Towards the end of my call with them, the fraud protection agency did confirm that the issue has been resolved and provided a reference # XXXX, but I repeatedly asked them to send me some communication by mail or email, but they were not willing to do so. 

I just need an assurance that this is resolved and that I am not liable to pay any amounts for purchases which have NOT been made.