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

( DISPUTE CODE - XXXX ) ( DISPUTE CODE - XXXX ) My personal information was stolen and used for fraudulent activities in 2021, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. Under the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed. 


Under the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX has violated my consumer rights by reporting fraudulent information across my XXXX and XXXX consumer credit bureaus. I would like this fraudulent account deleted and removed from my credit report immediately. 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 an account without my handwritten 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. 
Under the Fair Credit Reporting Act XXXX Account # XXXX XXXX  XXXX has violated my consumer rights by reporting fraudulent information across all 3 of my consumer credit bureaus. I would like this fraudulent account deleted and removed from my credit report immediately. 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 an account without my handwritten 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: Credit card

the creditor has refused to provide me with a XXXX for a charged-off account, account date of charge-off was XX/XX/year>, in the amount of {$2400.00}, and have attached the letter I mailed to them trying to collect the form. I am legally entitled to a 1099-C form, but they are not providing it. 
Not having the XXXX099-C is affecting my financial situation, such as preventing me from accurately reporting income on your taxes.
Product: Mortgage

i have had a hecm mortgage since XXXX, when the underwriters vetted the master policy of the XXXX XXXX XXXX and did not require a XXXX policy seperately from me. the Mortgage Agreement did not require a XXXX policy. CELINK took over the servicing of the account [ # XXXX ] in XXXX, and has since then harrassed me about a XXXX CONDOMINIUM policy. in XX/XX/XXXX CELINK force placed their own insurance on my account, and charged it {$150.00} XXXX, which i payed in XX/XX/XXXX to remove my account from DEfault status. CELINK has issued a XX/XX/XXXX letter stating they will again require the same XXXX XXXX XXXX XXXX policy effective XX/XX/XXXX and charge my account {$140.00}. I believe that CELINK HAS FRAUDULENTLY 'force placed ' requirement, which was not part of the original loan 's requirements. [ from XXXX, the origina [  underwriters never had any qualms with the MASTER POLICY OF THE XXXX XXXX XXXX XXXX XXXX. I AM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I PREFER TO COMMUNICATE BY PHONE!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is currently reporting to two credit bureaus, XXXX and XXXX. I've made all of my payments on time, as well as kept my balance low on this card since I opened XXXX XXXX. I advised this company that I do not own a printer and they insist that I send them a blank copy of my report showing that they are not reporting to transunion. I also am not welcomed to going to a public library at this time as I have kept my word by paying my fees for credit card and any balances on time. My credit score for transunion is XXXX and for XXXX XXXX at this time which is tremendously different at eyesight. This is not fair to me as a consumer and false advertisement. XXXX claims to report to all three bureaus regardless of what the miscommunication is between the companies, I don't feel that this is fair reporting.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX- Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : 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 Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX  have repeatedly called family members and my employer to harass them stating that I was going to get a parcel on Wednesday containing legal documents. I called the company and asked them to cease and desist all calls and they said they would not do that unless I agreed to settle the debt. They also said legal action was pending in XXXX XXXX. I told them I already checked the court data base and I have no litigation. They said it wouldn't show up yet, because it was pending. 

I told them that they were breaking the law with their practices, and that they needed to cease and desist, and they refused, saying the law doesn't apply to their company and they will do what they want however they want to. 

I told them that I may be willing to settle the debt, if I see it in writing, and they said they would only send things in writing if I agreed to pay, and then said I " was a snake. '' I fomally dispute the debt.
Product: Credit card

I WENT INTO TRUIST BANK ON XX/XX/XXXX. I MET WITH A BANKER IN ORDER TO OPEN A SECURED CREDIT CARD. I GAVE THIS BANKER {$500.00} AND HE GAVE ME A RECEIPT WHICH I STILL HAVE. I RECENTLY WENT INTO THE BANK AND I ASKED TO CLOSE THE ACCOUNT. THEY INDICATED TO ME THAT IF I BROUGHT IN {$500.00} AND GAVE THIS TO THE BANK THEY COULD CLOSE THE ACCOUNT. I ASKED WHERE WAS THE {$500.00} I GAVE THEM ON XX/XX/XXXX THAT WAS PUT INTO A SECURED SAVINGS ACCOUNT? THEY SAID THEIR RECORDS DO NOT GO BACK THAT FAR AND THAT THEY GAVE THE MONEY BACK TO ME BUT THEY HAVE NO RECORD OF EVER GIVING IT BACK AND I HAVE LOOKED THROUGH ALL OF MY STATEMENTS AND THERE IS NO RECORD OF ME RECEIVING THIS MONEY. THEY ALSO TOLD ME THE BANK DOES NOT KEEP RECORDS PAST XXXX BUT WHEN I WENT HOME I COULD GO BACK TO XXXX AND I WENT THROUGH ALL MY STATEMENTS AND I NEVER RECEIVED THE {$500.00}. I JUST WANT TO RESOLVE THIS.
Product: Debt collection

Equifax is reporting a debt for a company called XXXX XXXX XXXX in the amount of {$53.00} I have tried to resolve this issue by sending 2 letters. One in XX/XX/XXXX and in XX/XX/XXXX trying to get Equifax to validate the debt. I have never done business with this company. I do not have a signed contract with XXXX XXXX XXXX. I am not liable for this debt.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX  SOMEONE HAS BEEN USING MY IDENTITY FRAUDULENTLY TO OBTAIN SERVICES AND GOODS. I AM WILLING TO WORK WITH LAW ENFORCEMENT TO CAPTURE THE INDIVIDUAL RESPONSIBLE FOR THESE FRAUDULENT ACTIONS. PLEASE SEE MY ATTACHED DOCUMENTS BELOW
Product: Bank account or service

Scottrade froze my account without warning and will not allow me to talk to them. The story behind this is quite simple, after I complained about unauthorized access to my account Scottrade became hostile and would not process my requests for an internal review. 

Instead, Scottrade hired a law firm that threatened to sue me for " defamation '' in the event that I continuing complaining about my account problems. In return I asked Scottrade for my account contract and they refused to answer my questions and instead sent me a blank form stating that I have been harassing them. 

It seams that instead of dealing with customers problems, Scottrade chooses to cut-ties with their customers in order to boost this profit and avoid paying for support staff. I would respectfully submit that Scottrade should provide me, as a customer, with the original copy of the account contract and also work with me in a productive manner to review things such as fraudulent transactions, account security, and the returning of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting me 3 inquiries that I did not do. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Checking or savings account

I WAS CONTACTED BY THIS SAID COMPANY XXXX XXXX XXXX XXXX XXXX XXXX. THEY TOLD ME THEY HAD A BUYER FOR MY TIMESHARE. WELL THAT WAS NOT THE CASE. THEY ONLY WANTED TO STEAL MY MONEY AND NEVER BE HEARD FROM AGAIN. I PAID THEM SEVERAL TIMES ; XX/XX/XXXX XXXX XXXX  XXXX MY VISA DEBIT XX/XX/XXXX XXXX XXXX-XXXX WIRE FROM MY BANK XX/XX/XXXX XXXX XXXX-XXXX WIRE FROM MY BANK XX/XX/XXXX XXXX XXXX-XXXX WIRE FROM MY BANK XX/XX/XXXX XXXX XXXX-XXXX  WIRE FROM MY BANK I ALSO FILED WITH THE ATTORNEY GENERALS OFFICE AND I AM GETTING BACK MONEY FROM XXXX XXXX BUT ITS NOT THE FULL AMOUNT I PAID TO THEM. ATTORNEY GENERAL HAS ME RECIEVING XXXX A MONTH UNTIL I GET BACK XXXX BUT I PAID THEM XXXX ALL TOGETHER. WAS PRAYING THAT MAYBE I COULD GET THE FULL AMOUNT I PAID THEM BACK WITH SOME HELP FROM CFPB. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME. THIS IS SENIOR CITIZEN ABUSE AND IT JUST ISNT RIGHT THAT THESE SAID COMPANIES ARE ABLE TO TAKE FROM ELDERLY PEOPLE LIKE THIS. PLEASE HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing and submitting this letter of my own accord and without any assistance from third party involvement. The CFPB has my authorized permission to investigate this complaint for me. I am a victim of identity theft and I demand that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purpose 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 consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
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. Specifically. Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account and information vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused me significant loss, tremendous stress on my family and my business and I seek appropriate action for these violations.
Product: Credit reporting or other personal consumer reports

I have have no earthly idea why or how XXXX XXXX XXXX is showing OPEN on my credit report. The business filed BK years ago and 100 % CLOSED OUT!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017 XXXX XXXX XXXX submitted a request to delete the account they are reporting to Equifax due to it being a fraudulent account. Despite XXXX XXXX XXXX requesting the item be deleted Equifax is still reporting the information. I have included a copy of the complaint filed with CFPB.
Product: Credit card or prepaid card

The auto sys is unbearable. The XXXX dont do anything & put you back into the sys. They take personal info over & over but no results. Card is lost. No way to close. They have a fidutiary responsibility. I would have just requested new card but based upon how bad the service is, should there be an emergency i wouldnt trust trust them & i want it closed.
Product: Credit card

I am having an issue receiving pre-approved offers of credit cards and loans from Citibank via XXXX XXXX, USPS Mail, or email. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Mortgage

When I established my mortgage loan with Pennymac, I was told that the PMI that was on the original loan would be dropped. As I look at the loan that was underwritten by Pennymac, I see that there is still PMI on my loan. This was promised to me by your organization. 
I want the PMI dropped, to disappear, to go away. My credit score is very high. I will refinance with someone else if you ca n't make this happen. 
Thank you, XXXX XXXX
Product: Student loan

Following up on a previous complaint on XX/XX/XXXX : XXXX. 

There was absolutely NO communication from MOHELA prior to XX/XX/XXXX that I had until that date to request the XXXX refund because I made payments from XX/XX/XXXX through XX/XX/XXXX while working in the public service. 

Quit stealing my hard earned money!! Can we have some middle ground? 

Again I made monthly payments of XXXX from XX/XX/XXXX until XX/XX/XXXX. I should be entitled to roughly less than XXXX but more than XXXX. 

There was too much confusion in between XXXX and XXXX. There was no reason to contact the prior company since MOHELA took over. The first communication I received was by US mail on XX/XX/XXXX explaining that the payments are no longer paused and set to resume in XX/XX/XXXX. 

Call me if unclear.
Product: Payday loan, title loan, personal loan, or advance loan

Recently, I pulled a copy of my credit report and I noticed that this account was charged off and sold to XXXX XXXX XXXX XXXX in XX/XX/year>2022 but I never received a 1099c. I am requesting that it be sent to me. Thank You!
Product: Mortgage

I paid fees to Quicken Loans to lock-in a 1.99 % interest rate for a refinance in XX/XX/2020 from a 30-year fixed to a 15-year fixed mortgage. I was told this rate was guaranteed until XX/XX/2020. The process for the refinance was terribly slow and XX/XX/2020 passed with no updates regarding the rate-lock expiration. Up to this point, I was pleased with the service I received, although it was very slow due to Covid, as the mortgage banker explained, therefore I tried to be patient. My mortgage banker did state, during the times that we spoke about this, that I could receive a courtesy rate-lock extension. 
On XX/XX/2020, a closing officer called me to discuss a new rate-lock agreement that required me either to pay an additional {$1000.00} or to agree to an increased mortgage interest rate to close this loan. I had not spoken with this closing officer before and I was taken aback at this persons rushed demeanor, especially as no one seemed to rush in the months I waited to close. I was told that the cost to re-lock the rate increased over time and the lender cant lose money. I explained that the expiration of the rate lock was due to their inefficiency, as I had all documents prepared, and questions answered, months ago with no additional items pending up to that point. 
I added that I might consider cancelling, as this process took four months when it was said to be approximately three to four weeks, to my recollection. The officer told me that if I cancel the refinance, I would lose the good-faith deposit that I paid, so I begrudgingly agreed to accept the {$1000.00} additional cost. I tried to invoke the courtesy extension that my mortgage banker offered to me prior to the rate-lock expiration, but I could not get in contact in time. 
I am very upset at this and I am under the impression that they allowed the initial rate lock to expire so that they could charge more than what was originally agreed to under contract. I was ecstatic at the low rate I received, and I was excited for what was to come, but this closing experience tampered with my impression of the company. I have no evidence that this type of closing is a regular practice of theirs, but it sure does feel like it! It has been nearly a year and this still makes me very upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX account # XXXX ; XXXX/XXXX  account # XXXX ; XXXX XXXX  XXXX  account # XXXX XXXX XXXX XXXX XXXX  XXXX  account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX XXXX account # XXXX & XXXX ; XXXX XXXX account # XXXX XXXX XXXX ; XXXX XXXX XXXX account # XXXX & XXXX XXXX ; XXXX XXXX XXXXXXXX account # XXXX & XXXX ; XXXX XXXX account XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX ; XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX & XXXX XXXX XXXX account # XXXX XXXX  XXXX ; XXXX account XXXX XXXX ; XXXX  XXXX  account # XXXX & XXXX has violated my Rights 15 U.S.C 1681 Section 602A States, I Have the Right to Privacy 15 U.S.C 1681 Section 604A Section 2 or 15 U.S.C 1681A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction ( s ) 15 U.S.C 1681b, permissible purposes of consumer reports, subject to subsection ( C ), any consumer reporting agency may furnish a consumer report under the folllowing circumstances and no other in accordance with the written instructions of the consumer to whom it relates 15 U.S.C 1692C, communication in connection with debt collection without the prior consent of the consumer given directly to the debt collection or express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt