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

15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed IMMEDIATELY!
Product: Bank account or service

XX/XX/XXXX I signed up for a promotion through Citi Bank that promised XXXX Thankyou points if I completed the requirements. The requirements were that if I opened up a Citigold checking account and spend {$1000.00} dollars within the first month and make XXXX bill payments within consecutive months, I would receive XXXX Thankyou points within 90 the next 3 billing cycles or 90 days. I completed these requirements XX/XX/XXXX. At that time, I called to verify that I would receive the Thankyou points. The agent told me over the phone that I would be by XX/XX/XXXX. XX/XX/XXXX, I made a follow up call to verify that information again. The associate told me that I would receive them by XX/XX/XXXX. XX/XX/XXXX, I read some information that said that Citi was trying to renege on paying the points. At that time, I called and the associate said they would need to open a case with their back office. The case came back saying that I was not targeted for the promotion and therefore was not eligible. After this I called and asked to speak with multiple supervisors. In the many calls I made to supervisors, I never was helped. At that time I asked to speak with someone in the executive department. I was told that someone would call be back within 24 to 48 hours. I was promised this 3 or 4 times after multiple call and still had not heard from anyone. One night, I was able to get in touch with a " client retention specialist ''. I believe that was the correct title. Her name was XXXX XXXX. Her phone number which she provided to me is ( XXXX ) XXXX. She told me she would look into the issue and call me back. I told her how frustrated I was and that I was considering taking my complaint to the CFBP. At that point, she assured me that I would receive the Thankyou points. She told me that by the end of the next billing cycle, the points would be in my account. The timeframe she gave me was XXXX XXXX. The points were still not in my account on this day. I called her back and told her they had not been deposited. She then stated that my account billing cycle ended on XXXX XXXX and that I should receive the points at that time. She promised that wether on not they were deposited on XXXX XXXX, she would call me back with some sort of reason as to why. It 's XXXX XXXX today and I still have not heard from her. I have left numerous voicemails with her. I have also called and talked to supervisors who say they work with her and that they have emailed her and assured me that she would call me back within 24-48 hours. That still has not happened. I have gone through this process at least 3 times. I have still not heard back from her. Again, this is after she assured me that I would receive the Thankyou points. This is a highly frustrating situation and after spending about 2 hours total on the phone tonight and being promised a call back from her or her manager within an hour and not receiving anything, I 'm at my wits end. I 'd like to ask your organization to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern. I am writing this matter on my own without any assistance of any third party. I shall now continue with my dispute. According to the Fair Credit Reporting Act, the following creditors are infringing on my federally protected consumer rights to secrecy and privacy under 15 usc 1681. XXXX XXXX are violating my rights, U.S. Bankruptcy Court Ref # XXXX are violating my rights. My fourth amendment rights are being violated by the creditors and the credit reporting company Transunion. My personal information should be safe and private within my paperwork, but it isn't because it's being shared with consumer reporting companies without my prior approval. My personal information is being disclosed to consumer reporting organizations without my express agreement, therefore neither my papers nor I are secure. My documents are not safe, which violates my fourth constitutional right. I also have a right to privacy, it 15 U.S Code 1681 section 602 A of the Fair Credit Reporting Act says. I feel like I'm being taken advantage of and that the mentioned creditors and credit reporting agencies are working together to harm me because my right to privacy has already been violated. I'm being treated unfairly and had my rights violated. A consumer reporting agency can not provide an account without my written instructions, and the mentioned creditors lacked the legal authorization to send my social security number to Transunion, one of the credit reporting agencies. 15 U, S Code 1681 Section 604 A section 2 states that. Because I never authorized nor granted permission for what the aforementioned credit reporting companies are doing to me, they are guilty of aggravated identity theft and may go to jail. 15 US Code 1681c ( a ) ( 5 ) states very clear that 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. By law, none of the accounts I've specified above may appear in my consumer report. 15 US Code 1681s-2 ( A ) ( 1 ) states 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. Prior to filing this complaint, I informed each of the mentioned creditors that their information was in fact unreliable, erroneous, non verifiableand incomplete. Thank you for your attention to this matter ; I assure you will not discriminate. I demand that these accounts be deleted immediately, or I will file a lawsuit for the questions and emotional distress this matter is causing me.
Product: Mortgage

I have had the FNMA COVID Forberance for the 18 months allowed for my mortgage payment. I have XXXX and have lost income due to COVID. My mortgage company LoanCare. XXXX  is refusing to give me the FNMA loan Deferral for the 18 months lost and have reported my credit late 120 days to the credit bureau ruining my credit history. We have requested this help since mid XXXX with hundreds of calls and emails to LoanCare and they refuse to help. Who can help us? They want to foreclosure our home when we have been legally allowed by FNMA for the Forberance and now the Deferrel. Please help me.
Product: Mortgage

i have been trying for over 2 years to get the co borrower who is my x girlfriend off my loan nd i have been getting no where with that for over XXXX years now i am out of work due to a serious health condition and i applied for a loan modification to lower my monthly payment and they are doing nothing to help me and are raising my payment by around XXXX XXXX i need the payment lowered not raised and they are threatening to forclosure because i am behind on payments a few months due to health condition
Product: Mortgage

My loan is being serviced by Seterus Inc. and over the past 2 months, I have been offered a loan modification 3 times and I 'm continually getting harassing phone calls which have escalated to personal attacks by each of the representatives on the call. I was in a loan modification last year but due to severe family medical issues, I was unable to continue to pay the mortgage after the 1st modification was approved. Again, they have offered me two times another loan modification only to retract the offer and try to force me to leave the home using pressure tactics. I do not believe that I 've been treated respectfully or with any intent whatsoever to keep the home and they have lied to me multiple times with what they are offering only to tell me that I should leave the home and let them proceed with foreclosure to completion. I went to court to explain my intent and was granted time to work something out with Seterus and I have until XXXX XXXX but they still tell me that I have to leave my home. The harassing phone calls and personal attacks each time the call me along with pressure tactics ( and psychological ) tactics have been very disturbing to me. I 'm looking to work out a payment arrangement so that I can stay in the home now that I 'm finally getting over my medical issues and with one of my family members. This servicer is brutal in it 's tactics. The lying and the escalation of personal attacks on me is taking it 's toll.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a matter of utmost importance regarding fraudulent activity on my credit report. i have disputed this account with you now three times to no avail According to the Fair Credit Reporting Act ( FCRA ), specifically 605B, I am entitled to request an immediate block on any fraudulent accounts resulting from identity theft. Upon reviewing my credit report, I have discovered an account under my name that I did not authorize nor open. The account in question is with XXXX XXXX XXXX, and it has been flagged as fraudulent by me. this account has already been verified as inaccurate and removed by XXXX and XXXX but still remains on Experian This discrepancy is a clear indication of identity theft, and as such, I am invoking my rights under the FCRA to have this account blocked immediately. I have attached a copy of the police report and ftc report filed in connection with this identity theft incident for your reference and records. According to FCRA 605B, you are required to block the fraudulent information within four business days upon receiving a written request from the victim of identity theft. todays date is XX/XX/2024 I am formally requesting that you initiate this block on the XXXX XXXX XXXX account within the stipulated timeframe. Failure to comply with this request within the specified timeframe will result in a violation of the FCRA, and I will be forced to take legal action to protect my rights under the law. I urge you to act swiftly and responsibly in handling this matter to prevent further harm to my credit and financial well-being. Please acknowledge receipt of this letter and confirm the initiation of the account block within four business days only to this email address XXXX not by mail. You can reach me at the contact information provided above if you require any further documentation or clarification regarding this matter. Thank you for your prompt attention to this urgent request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery account # XXXX. I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that every thing is verified correctly. My credit report is still showing inaccuracies, as well the account constantly being deleted & reappearing on my credit reports month after month, my consumer rights has been violated over & over by this company disregarding laws 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 of has reasonable cause to believe that the information is inaccurate. 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX - XXXX - {$25000.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

Please see attached, I recently reviewed a copy of my report I was very shocked when to learn I have been a victim of identity theft ( see attached filled out form ) I found numerous inquiris on my creit report they were not open by me XXXX XXXX. This has been affecting me without me even knowing. I am in the process of purchasing a home for my family please remove the fraudalent inquiries from my credit report as soon as possible. thank you for your time. Please see attached
Product: Mortgage

I have a HELOC account with bank of the west. On XX/XX/XXXX, I made a payment of {$11000.00} for my HELOC account from my checking account with bank of the west using internet banking online. My outstanding balance was {$11000.00} on XX/XX/XXXX. The amount was deducted immediately from my checking account. However, it was never credited to my HELOC account. I have contacted the bank so many times over phone and email. The phone support kept asking me to wait for 2 business days 5 times and email support never respond. The phone support says it is escalated and will be resolved in 48 business hours but it never happens. I keep following up every 2 business days and it is frustrating to hear the same story. I want to pay off the loan and close my account but they are not processing this payment and the interest keeps incurring. I do not want to make a duplicate payment. I suspect there is some foul play at the bank with the payment issue to just prevent me from closing the loan account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with XXXX XXXX to repair my credit. They helped me removed some collection accounts. XXXX XXXX XXXX XXXX Collection Account was deleted from 2 of my credit reports ( XXXX and XXXX ) and not XXXX. XXXX XXXX XXXX Account was deleted from 2 of my credit reports ( XXXX and XXXX ) and not XXXX. All of this occurred around XX/XX/2019. The complaint is nit against XXXX XXXX. My complaint is that the collections accounts has been removed from some credit reporting companies and not others. I have also been receiving collection letters from XXXX XXXX XXXX to collect a debt that is being reported by XXXX XXXX on my credit report. I also have collections accounts from XXXX XXXX XXXX and XXXX XXXX XXXX reporting on my credit report. I didnt give any permission for any of the original creditors to sell my debt or information to anyone and I have no knowledge of any of these debts.
Product: Money transfer, virtual currency, or money service

Money sent to : Sent to XXXX XXXXXXXX EUR {$24.00} FeeXXXX EUR {$4.00} TotalXXXX EUR {$29.00} No product delivered. Would like full refund.
Product: Credit reporting or other personal consumer reports

Requested sufficient and fair reporting of credit activity and personal information and the bureau has failed to accurately reflect balances, accounts, furnishers and personal information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus seem to throw my letters out or do not do anything on my file. I have late payments that are not true. I want the inquiries I did not authorize removed. I have several accounts that do not belong to me. My name and alias names need to be corrected. My addresses are wrong as well. I am attaching a letter of explanation.
Product: Debt collection

On XX/XX/2022, I was notified by XXXX credit monitoring that there was a collection for {$2900.00} put on my credit report for XXXX XXXX in XXXX XXXX, NY, a location I have never been to, let alone. lived in.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Account Number : XXXX & XXXX XXXX XXXX  Account XXXX I did not authorize it. I am a victim of ID Theft please investigate and remove it from my credit report ASAP. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. This is causing great stress and greatly affecting my ability to buy a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bankruptcy XXXX furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, Closing Date XX/XX/17, Court/ US BKPT CT NJ XXXX Equifax furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, Court/ Federal There is inconsistency furnished across the bureaus and incorrect dates.
Product: Credit card or prepaid card

Complaint : - Period between XX/XX/2023 - XX/XX/2023 ; I had XXXX fraudulent charges range {$0.00} - {$2900.00} totaling {$10000.00}. I got {$6700.00} reimbursed, and {$3200.00} was never credited back to me. 
THIS IS WHAT IS MISSING XXXX I have looked into the Fraud Charges on : - DEBIT On XX/XX/2023 {$1000.00} and {$2100.00} DEBIT On XX/XX/2023 {$1000.00} and {$2100.00} HOWEVER, I WAS CREDITED FOR XX/XX/2023 FOR XXXX and {$2100.00} AND NO CREDIT FOR XX/XX/2023 FOR {$1000.00} AND XXXX TOTAL {$3200.00} Background : - I was never notified of these fraudulent charges and I called the bank on XX/XX/2023 to report. The bank acknowledged the problem and did not give me any explanation who used it, and why I did not get notified of fraudulent activity. For example, if I purchased anything by website, then I get notified by email that " CARD NOT PRESENT. '' This is the way Truist Bank always tells me. For the above XXXX transactions NO such notification was given. 
Proof : - see statement attached I have called and called, visited Truist Bank Braches and no one has given me any resolution. NOTHING in writing, why {$3200.00} not given credit. 
Whenever I call the XXXX and you get to the part " push if you already have a pending dispute '' THEY HANG UP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the credit account XXXX XXXX, XXXX. opened XX/XX/2016. Please investigate to ensure there is no fraudulent activity.
Product: Vehicle loan or lease

On XXXX " XXXX XXXX XXXX XXXX XXXX '' address is XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Sold a car and acquired funding by forging an address to make it seem like I lived with another person in order to get approval from " WestLake Financial '' address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I was later informed that the loan officer for XXXX XXXX XXXX XXXX XXXX was fired for unethical behavior. I have tried to resolve this with WestLake Finical but the minute I informed them it was a fraudulent loan they made the dealership by back the loan and refuses to speak with me to get this resolved.
Product: Vehicle loan or lease

I am writing to file a formal complaint against XXXX Ford regarding my recent vehicle purchase experience and subsequent issues. I believe that the dealership has engaged in unfair practices and violated consumer protection laws, and I kindly request your assistance in resolving this matter. 

On XX/XX/2023, I purchased a vehicle from XXXX Ford. Throughout the sales process, I experienced significant pressure to accept a vehicle that was not my first choice. Despite expressing my concerns and time constraints, the dealership made me wait excessively before addressing my questions and rushing through the necessary paperwork. This delay caused me considerable inconvenience, as I had to pick up my son from school. 

Following the purchase, I promptly conducted a thorough inspection of the vehicle and discovered multiple mechanical and safety concerns. These issues were not disclosed or apparent during the sales process. Immediately, I contacted XXXX Ford to address my concerns and request repairs or a possible return. Unfortunately, the dealership has been uncooperative and unresponsive to my requests, leaving the issues unresolved. 

To add further frustration, upon investigating my loan agreement, I discovered that an auto loan with Ford Motor Credit was in place without my knowledge or consent. During the sales process, I was originally informed by XXXX Ford that I was not approved by XXXX XXXX, which turned out to be untrue. XXXX XXXX has confirmed that I was, indeed, approved for financing, indicating a potential misrepresentation by XXXX Ford. 

I believe that the actions of XXXX Ford are in direct violation of consumer protection laws, including but not limited to deceptive practices, unfair trade practices, and failure to provide necessary disclosures. These actions have caused me financial loss, inconvenience, and significant distress. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly. I would appreciate your intervention in mediating the dispute and ensuring that XXXX Ford addresses the mechanical and safety concerns promptly. Furthermore, I request that XXXX Ford provides a satisfactory resolution, which may include repairs, a vehicle exchange, or a refund of the purchase price, considering the significant issues and misrepresentation. I sincerely hope that the Consumer Financial Protection Bureau can assist in resolving this matter and protecting consumers from such unfair and deceptive practices. I eagerly await your prompt attention to this complaint and a timely resolution.