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 formally request that this information be blocked. Enclosed, you will find a copy of my Police Report and FTC Identity Theft Report ( XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days of receiving a valid identity theft report. The following information on my credit report is the result of identity theft and must be blocked immediately : XXXX Accounts in XXXX : XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX Incorrect Personal Information : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX Unit XXXX, XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX Unauthorized 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 This letter serves to inform you that I have become a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached. My credit report contains fraudulent accounts, incorrect personal information, and unauthorized inquiries that do not belong to me.
Product: Mortgage

XXXX XXXX There is a BANK called XXXX  which main Company are in XXXX Texas XXXX. 

This Bank acquired a REVERSE MORTGAGE on my Property at XXXX XXXX XXXX XXXX in XXXX FL. XXXX under my name XXXX XXXX about more than 5 years ago, and under the account # XXXX. 

As having a Reverse Mortgage I do not pay any monthly Mortgages Payments I just Paid annually the Property Insurance and the Property Taxes. 

It seems that there was a balance of {$680.00} that I was owing to this Bank XXXX  but this BANK never let me know about this balance. I just knew about it three ( 3 ) days ago when I received a letter from a lawyer from XXXX telling that my house was going to be foreclosure and this Lawyer attached to his letter a Filing # XXXX filled for a Lawyers from XXXX XXXX Company named XXXX, XXXX XXXX XXXX XXXX phone # XXXX. 
This lawyer Company also never made a server to XXXX XXXX of this Filing for a NOTICE OF LIS PENDENS. 

When I XXXX XXXX received this letter from this XXXX 's Lawyer I asked my neighbor Named XXXX XXXX to read this letter as It was in XXXX and I only speak and read spanish. She told my that a BANK is trying to foreclosure my Property and my neighbor inmmediately called the XXXX XXXX and asked what happened?? 
Then a Representative from XXXX  told my neighbor XXXX XXXX that I was in default and owing this BANK the small amount of {$680.00} for a balance on a Property Taxes of the Year XXXX. Then the same day XX/XX/XXXX I get a CASHIER CHECK for {$680.00} and mailed by certified mail directly to the address the Employee from XXXX  told my neighbor. My neighbor told them that XXXX XXXX never ever received and statement from the XXXX XXXX that he was owing this money.. And never ever received a summon o a server from the attorneys XXXX, XXXX, XXXX XXXX XXXX. 
Then without any information from the XXXX XXXX in Texas and from the lawyers in XXXX XXXX, this BANK is trying behind my BACK to foreclosure my Property that has a REVERSE MORTGAGE from the Goverment. 
This is the complaint I would like to place with the CFPB because what this BANK XXXX  and the lawyers from XXXX XXXX they are trying to make me is a kind of FRAUD against me and my Property as I XXXX XXXX stated that never ever received any information from this BANK that I was behind or owing any MONEY to them. 
Then they are trying to FORECLOSURE my Property to a man o XXXX years OLD. 
I am enclosing support documentation and a copy of the check for {$680.00} I mailed to them on XX/XX/XXXX when I knew from the BANK I was owing this money and with a certified and return receipt letter. 
The BANK never ever sent me and statement notifying me that I have a debt with them. 
Thanks, XXXX XXXX XXXX XXXX/ Legal Representative XXXX ( XX/XX/XXXX )
Product: Debt collection

Account was closed back in XXXX. Company was still charging a small monthly fee of {$2.00} and because I was unaware of the fee they charged me a late fee. The late fee was reversed on my account and the account was paid in full. I am not sure why I still have a balance with this company as I should not. I have attached a letter stating that the late fee was reversed.
Product: Mortgage

I applied for a refinance on my 1st mortgage. I did not want to combine my 2nd mortgage with it. The 2nd mortgage can be paid off in 5 years so I don't want them combined into one. They want want us to pay them a large sum to lower the balance. They are interfering with my ability to pay off my 1st and 2nd mortgage faster. I am trying to refinance for lesser time on the mortgage.
Product: Credit card

It was around XX/XX/year> to XXXX online. They couldnt process my prescription, so I returned them. It was an Apple credit card ( Goldman Sachs ). I disputed it two times, and they overruled it. I sent them the email confirming my return, so Im not sure what the problem is. I got so angry that I just canceled the credit card.
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 take timely and effective measures to prevent and address fraud on the platform, leaving my account 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 significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 tXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorized fraudulent inquiries on my report is an act of identity theft. I'm demanding that the credit reporting agency known as TRANSUNION, remove these inquiries from my credit file immediately and/ or show just cause and The Method of Verification in to this matter. I'm demanding physical documentation that verifys these actions. Please remove the following unauthorized inquiries. 

1 ) XXXX  ( XXXX ) 2 ) XXXX XXXX  ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX  XXXX XXXX  XXXX  ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX XXXX  ( XXXX ) 7 ) XXXX  ( XXXX ) 8 ) XXXX  ( XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their failure to address multiple dispute letters I have submitted concerning inaccuracies in my credit report. Despite my repeated attempts to resolve these issues directly with Experian, they have consistently ignored my correspondence and failed to correct the errors in my credit report. Details of the Dispute : XXXX XXXX : Account number : XXXX, Clarify the payment status, comments, balance and account number as I think they are erroneous. If you can not prove any of the information mentioned in the past credit report data that I contested with, I demand this account be deleted from my credit report. 

XXXX : Account number : XXXX, I dont understand how you are continuously able to verify this account! I dont recall ever being associated with this company that is unknown to me. Remove this extremely damaging inaccurate information immediately from my credit report. 

XXXX XXXX : Account number : XXXX, I already demanded a proof of how you dealt with the information that you indicated in my credit report. Again, you can not prove any of the information mentioned in the past credit report data that I contested with, please remove them on my credit history. ". 

XXXX XXXX : Account number : XXXX, There's no way you can update an account that I have no recollection of ever belonging to me. You need to remove this inaccurate information immediately from my credit report.

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with the Fair Credit Reporting Act ( FCRA ) requirements. I am seeking the correction of the inaccuracies in my credit report and a formal acknowledgment from Experian regarding the resolution of my dispute.
Product: Credit reporting or other personal consumer reports

THERE IS A XXXX  XXXX BANKRUPTCY DISCHARGE APPEARING ON MY CREDIT REPORT I HAVE CONTACTED XXXX AND TRTANSUNION AND XXXX CREDIT AGENCIE SEVERAL TIME TO HAVE THIS ITEM REMOVED, THEY WONT REMOVED IT PLUS XXXX AND TRANSUNION AND XXXX CANT PROVID ME PROOF OF THE INFROAMTION ALSO WHEN THEY SEND ME A COPY OF MY REPORT THEY SAY ON THE REPORT THEY GET THEY INFORMATION FROM XXXX XXXX XXXX AND I CONTACT XXXX XXXX AND THEY SENT ME A COPY OF MY REPORT FROM THERE SYSTEM AND IT DOES NOT SHOW NO XXXX XXXX BANKRUPTCY AT ALL THEY SENT ME A LETTER ADVISING TO HAVE THE CREDIT AGENCIES TO REMOVED THE NEGATIVE INFROMATION
Product: Checking or savings account

Hope this email finds you well, I deposited on the I deposited on the Drive thru ATM on XX/XX/1928 XXXX $ bills the receipt printed showed XXXX $ this is in correct. I just received a letter from the claim department saying they completed the Investigation and the couldnt find my money, they will be removing the credit that was given. This is insane!!!! That was the money I deposited XXXX x XXXX $ bills on the deposit window first time I deposited such of big amount on the ATM. The receipt I got said XXXX that was incorrect, Called Chase they Gave me the credit, now they are removing the money stating no money was found, and this claim was opened with a Police report, I just cant believe this is happening with chase, XXXX cant trust my Bank? Honestly this is insane, I just cant believe it! 
Please help. 
Best Regards. 

XXXX.
Product: Consumer Loan

To Whom It May Concern, I am filing a complaint on Fifth Third Bank regarding there was no contact to me, XXXX, who is owner of XX/XX/XXXX XXXX. Fifth Third Bank has claimed I was contacted by them regarding my vehicle loan being behind and they were going have vehicle reposed at listed phone numbers below, I was never contacted at these numbers. 

cell phone XXXX house phone XXXX work phone XXXX Fifth Third Bank Loan Number : XXXX Believe me this would have NEVER happen if I had been contacted, I am requesting this repo expunged from my credit report. The funds were immediately paid at the local Fifth Third Bank paid in full soon as I realized the delinquent payments. 

XXXX from Fifth Third spoke to my husband XXXX on Wednesday, XX/XX/XXXX approximately XXXX while I was at work. Before XXXX I was able to speak with XXXX on XXXX behalf who was stern and rude. When XXXX did finally contact me on Thursday XX/XX/XXXX at my home number I left on her voice mail approximately XXXX " after the fact '' XXXX was asking for " my '' contact phone numbers for verification, however, XXXX nor any employee from Fifth Third Bank contacting me regarding the behind payments on my XXXX XXXX XXXX. It was my husband, XXXX, who Fifth Third discussed this issue with. I then gave XXXX my cell phone XXXX, and. Fifth Third did not contact " me '' personally at any of these numbers to advise my loan was this far behind or it was scheduled for a repo. 

Fifth Third Bank was contacting my husband, XXXX, at XXXX. No one from Fifth Third Bank has ever spoken to me, XXXX, or tried to contact me regarding this schedule repo. I truly had no idea my vehicle loan was behind, the I then gave her my cell phone XXXX, house phone XXXX and work phone XXXX. Fifth Third did not contact " me '' personally to advise my loan was this far behind or it was scheduled for a repo. 

I am desperately trying to get a better paying job and can not have a repo on my credit report. Please have mercy and take this off my credit report. 

Thank you in advance for your assistance, it is greatly appreciated! 

XXXX XXXX 
XXXX, MI XXXX XXXX XXXX cell XXXX home XXXX work
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding Experians mishandling of my personal information, their failure to properly investigate a credit dispute, and the negative repercussions this has had on my creditworthiness and ability to secure housing or credit. 

I have been affected by a data breach involving Experian over XXXX times, resulting in my personal information being repeatedly exposed. This is deeply concerning and raises serious questions about XXXX ability to safeguard consumer information. The breach not only jeopardized my privacy but also left me vulnerable to fraud and identity theft. 

Additionally, I want to highlight the direct correlation between this issue and the XXXX XXXX, which brought to light Experians failure to uphold its responsibilities in investigating and verifying disputes. My experience confirms these allegations. Specifically, I disputed a XXXX account that was inaccurately reported on my credit file. Instead of conducting a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ), Experian hastily verified the account without properly examining the evidence I provided. This was dated on XXXX XXXX. 

Now, this XXXX account is reported as a charge-off, which is the only charge-off on my credit report and the " debt '' has been sold. I am consistently harassed by a company who now owns the debt that was never mine to begin with. This inaccurate and unfair reporting has significantly impacted my XXXX XXXX and my ability to qualify for credit or housing. As a result of XXXX negligence, I have suffered financial and emotional distress. 

XXXX failures are unacceptable, and their mishandling of my case has caused irreparable damage. I urge the CFPB to take swift and decisive action to ensure that Experian rectifies these issues and prevents further harm to consumers. 

Thank you for your attention to this matter. I am happy to provide any additional documentation or evidence to assist with your investigation. I look forward to your response.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX Equifax XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of Auto Financing Companies XXXX XXXX Inquired on XX/XX/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 Inquired on XX/XX/XXXX. Another fraudulent inquiry, consist of XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I received an email from XXXX XXXX ( XXXX ), whom I don't know, today XX/XX/23 at XXXX XXXX. There was a pdf invoice attached that had the PayPal and XXXX XXXX logos on it. I haven't done any business with XXXX XXXX. It said my account has been charged with {$340.00} USD and will be deducted from my account within 24 hours. It says if I don't recognize the transaction or want to cancel the charges, to call XXXX. It said it's for XXXX XXXX. I didn't call the number because I think it's a set up. I did call my local XXXX XXXX at XXXX XXXX, and they verified that it must be fraud. 
I am going to block the email address this came from.
Product: Prepaid card

I received a pre-paid amex giftcard, when attempting to use this card at numerous online shops the transactions is always declined, i have tried multiple purchases under the face value of the card. There are many reports of people having this issue starting this past year.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXX account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXX account for the months of XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Franklin Collection has refused to remove debt from my credit file after I sent them numerous letters certified mail detailing that those debts are not mine. I have sent paper work with Affidavits and police report that the debt was n't mine but they refuse to remove it from my credit file. They are refusing to remove the illegal debt. I told them several times it was n't my debt but they insists on trying to make me pay the debt.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Checking or savings account

On XX/XX/20 when I checked my Bank of America account balance online, I found a withdrawal of {$5500.00} and a {$36.00} fee. I immediately contacted the bank and filed a fraud claim. On XX/XX/20 I received a response from the bank denying my fraud claim. The reason was that 'the account owners identification was used to negotiate the check. The bank was not notified that your identification was lost or stolen. ' I called the fraud department at bank of America to find out more. They claim that somebody walked into a branch and showed them a driver 's license that was accepted by the teller to deposit fraudulent checks and withdraw all the cash, {$4900.00}. I told them that my ID was not lost or stolen and that they gave the money from my account to somebody impersonating me. 

They refused to tell me what branch of the bank was used, only that it was XXXX from my house, nor did they tell me the time of the day it happened. They refused to show me footage from the security camera without a subpoena. They refused to tell if they made a copy of the ID that was presented. They are refusing to review their security video that would prove that it was not me. They are refusing to reopen the claim. 

I did file a police report.