23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 I filed a report with my local police department stating that I have been a victim of Identity theft and that my credit report reflects I owe {$7600.00} to Procollect, a collection agency collecting on behalf of XXXX XXXX XXXX, which I believe is in XXXX XXXX, TX. I have been working with the company Cyberscout which is assisting me with fraudulent accounts appearing on my credit report. I contacted Procollect to inform them that this account is the result of identity theft and I was told to email Mr. XXXX at XXXX. In the meantime, I received a letter dated XX/XX/2020 at my XXXX  XXXX address ( when I called Procollect the agent wanted my address ) from Procollect attempting to collect. On XXXX XXXX my Cyberscout representative, XXXX sent Procollect an email sating I have been a victim of identity theft and included a copy of my drivers license, XXXX XXXX XXXX police report, an FTC document that contains multiple fraudulent accounts. A week and a half later I received another letter from Procollect, dated XXXX XXXX, stating that their client contends that this is a true and valid debt. Included was a photocopy of a temporary permit and on the permit is an image of what appears to be an XXXX XXXX  man ( Im XXXX  ). I relayed this information to my XXXX  representative, but XXXX, a senior fraud specialist, is now assisting me and advised I that I file a complaint with the Consumer Financial Protection Bureau. I have been dealing with Identity theft for about a year now and all of these fraudulent accounts are being opened in Texas. With that said, I have police 2 police reports, letters from this and other collection accounts, documents that show I live in XXXX XXXX, NV. This is the only collection on my credit report currently, and hopefully no more surface.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear sir, Today, I received the credit report ( # XXXX ) of your company by mail and decided to inquire why your company credit report online has the personal statements, which states : ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

FILE FROZEN DUE TO FEDERAL LEGISLATION As you might have realized this part, personal statements, is not included in the printed credit report. And as far as I see with other company printed credit reports and online reports, this part is not included. This discrepancy might be said allowable due to the nature of private company, which allows the individual expression of document. However, I believe the function of credit report should be the statement of private and individual information, which needs to be kept safely. Therefore, I wonder why the United States government allows these credit report companies create their own format of credit reports. I believe it need to have the consistency to show the reliability ; otherwise, they are not reliable and allows the possibilities to create several possibilities of identity formation, which might allow the identity fraud. Since other companies do not have this part in the credit reports, I expect you will explain why you added this part in the online version. If you consider this part is unnecessary after a few months questions why my credit report has the duty alert even though I asked many times the reason why this alert had added. Your company has never answered this question and now you just omitted this questionable part as if to tell it is not important at all since, I have a good credit score and do not have to worry so much. To say truth, other company credit reports do not have the credit score at all. I can not see any credit score at other company website. I expect your company will explain why your company credit report tends to delete many things without any explanation, because this is my credit, not yours. Your company needs to remind yourself you are just one private company in the middle of global world.

What is this FILE FROZEN DUE TO FEDERAL LEGISLATION. I need the explanation on this part. And I request the clarification of meaning of EXTEND, because it might have the extension of fraud alert or extension of credit limit. If it is meant the latter, your company shows the function of credit card company ; therefore, I need to ask another question why your company needs to ask the credit card companies not to extend the limit. 

Sincerely,
Product: Bank account or service

Please refer to the previous complaint submitted to CFPB. Case number : XXXX. Discover Bank official who responded to it few days back is lying. Today I received an email message via the secure message center and also spoke to Customer service at XXXX. I was told told in both the communications ( email and telephone ) that i will be getting the promotional bonus. 
XXXX XXXX to XXXX XXXX talked with XXXX. 
Confirmation # XXXX. 
called at XXXX Called from my cell phone XXXX XXXX confirmed the promotion code and all the details with me and she told me i will be getting the promotional bonus of {$100.00} on XXXX/XXXX/2015. Let 's see how much DFS keep up their words.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

My PayPal account has been hacked and the email address for my nephew, XXXX XXXX ( XXXX ) was changed to XXXX without my knowledge. When I went into my account to send money to my nephew, the account would not let me verify the email, so I simply clicked on XXXX 's icon and sent the money NOT AWARE THAT SOMEONE HAD CHANGED MY NEPHEW 'S EMAIL ADDRESS. When I discovered that XXXX did not receive the money ( within minutes ) I called PayPal and they advised me that the money went to XXXX and that it was sitting in this account BUT THEY WOULD NOT REVERSE THE TRANSFER. I called my bank and stopped payment to PayPal. I asked PayPal to investigate who changed this email address as it could be someone who works there. Investigation into this email address reveals that it is not a valid address any longer, although it was valid when it received my {$400.00}. THERE IS MAJOR FRAUD GOING ON HERE. My bank will not send them the {$400.00} but they are showing my account in default for {$400.00} and they keep harassing me. I won't use PayPal again but someone needs to investigate this fraud.
Product: Mortgage

On/around XX/XX/2020 my wife and I applied for an FHA through Rocket Mortgage/Quicken Loans. We provided all requested information, including detailed financial/credit information, after which we were given a " Verified Approval '' letter for up to {$350000.00}. The letter specifically states that our income, assets and credits are verified and that the letter was good for 90 days. Also included in the letter is a {$1000.00} guarantee payable if Quicken Loans is unable to close on the loan due to the same income, assets or credit. Not until our entering into a purchase contract and beginning the closing process, Quicken Loans asked some additional credit questions specifically not asked during the verified approval stage. Based on our answers to these credit questions, Quicken Loans was not able to continue with the loan. We had to back out of the deal, wasted our time, our agent 's time, the sellers ' agent 's time, the sellers ' time, and we lost over a month looking for rental home opportunities. When we inquired as to how to get the {$1000.00} guarantee, our primary contact said not eligible. Customer service said the same, but when we pressed, were referred to their " Senior Research Team ''. Nobody would transfer us to this team. When we were getting transferred, we would wait for 15-20 min before dropping  off as nobody was picking up. We were able to get XXXX on their customer service team who helped to finally get us connected to XXXX XXXX last week from the " Senior Research Team '' ( XXXX ). XXXX said would research and respond by EOB XX/XX/20. XXXX just called to relay Quicken Loans would not be honoring their guarantee as our credit " materially changed ''. Nothing has in fact changed, Quicken Loans just didn't due its diligence or ask the questions it needed to on the front end. There was no dispute when we argued that we gave Quicken everything that was requested and that we answered all questions that were asked. This is nothing short of false advertising, bait/switch, etc. FHA borrowers already have a tough enough situation, so dealing with shady lenders who don't honor guarantees they have put into writing shouldn't be an extra issue put on their plate. We gave Quicken the opportunity to do the right thing and honor their guarantee. They made a business decision not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report, and I discovered a lot of information reporting that does not belong to me along with fraudulent addresses and incorrect spellings of my name. I misplaced my purse in a restaurant XX/XX/31. Since then, I have been noticing a lot of changes in my credit score. My DL, SSCard and passport were all misplaced, i was told to file this complaint if i saw anything that does not belong to me. I have listed a few accounts in the form and i will list the additional accounts below REGIONALAC ACCT # XXXX BALANCE XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX Please investigate this information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt and I have attempted to remove inaccurate accounts XXXX and XXXX and it continues to report in my profile. The bureau has failed to provide and proof of executed contract with my signature on it and has not provide any information in 30 days of my initial request. I demand the following account to be removed from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach inXX/XX/XXXXthat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Moreover, they must provide financial compensation for those affected to fund credit monitoring services like XXXX to provide ongoing protection of priceless, irreplaceable personal information.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX LAST NAME : XXXX XXXX NSS : XXXX SECURITY FREEZE
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar Mortgage LLC has failed to correctly apply our payment five times in a row. Our payments have been submitted in a timely fashion but instead of applying it to the next months due amount, they have applied it to the principal as we made bi-monthly payments. Each time we have called to complain and we have been assured that they will fix the problem with " their software '' for the next payment. Apparently their software is only capable of processing monthly payments. Each time we call them back, they tell us " they will get it right '' this time. In XXXX, they sent a late payment notice for the same issue that they have been unable to fix. Their customer support told us that " they would fix this '' and that " there will be no record of a late payment reported ''. We were also told that " '' it would take up to XXXX days to resolve the error and apply the payments correctly ''. In XXXX, my credit report through Experian determined that their promises were a lie when it took over XXXX days. I now have a late payment assigned to my name that has lowered my XXXX XXXX XXXX points. My wife has XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked SPRING OAKS CAPITAL LLC who has falsely reported information on my credit file to validate the debt by providing proof of this alleged account several times, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. These accounts are inaccurate under 15 U.S.C. 1692g validation of debt. They have been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. All steps must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft.I have an account on my credit report that is reporting incorrect fraudulent information that is withholding me from seeking new lines of credit. I have disputed this alleged account with XXXX, TransUnion, and XXXX on XX/XX/2021. The account is from XXXX XXXX  and it is not mine as I have been a victim of identity theft. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) that all fraudulent information and accounts must be removed from the credit report pending proper documentation. I have attached the proper documentation in which I had also sent to the credit bureau 's documenting my identity theft. I have sent my FTC identity theft report, my police report, my drivers license, my social security card, a letter detailing my identity theft and more. All of the proper documentation is provided that is needed to prove my identity theft and that this account is not mine. Below I have attached the certified mail receipts documenting my communication with the credit bureau 's. I have attempted to remove this account directly with the bureau 's and they have chosen to let the account remain on my account
Product: Debt collection

citibank funded a defective product that was disputed through Best Buy and Citibank It was then turned around and sold to a company called midland funding. This matter pertains to violation of fdcpa and abusive debt collection. I ask that the cfpb look into this matter immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act XXXX  Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

They never leave a voicemail. I 've filed for bankruptcy and therefore any and all collections MUST STOP. I have n't had a collection call since XXXX and these people just started 4 days ago.
Product: Debt collection

XX/XX/2023 this company, via a debt collector, took every XXXX in my bank account, my wife 's bank account, our mutual bank account, and our savings account ( {$190000.00} in total ). I was not aware of any suit or judgment against me, let alone aware of any debt that I owed, yet this company was able to obtain a levy against me via the court system in a county and state that I do not live in. I was never notified of any action against me and was not provided any opportunity to dispute the legal action being taken against me. When I contacted this company to question who they were and why they stole my money, they refused to answer my questions. Instead, they asked me for my personal information and also claimed that I had attorney representation in this matter. I do not have any attorney representing me in this or any other matter before any court in any jurisdiction in the United States. We now do not have any money to pay for our mortgage, childcare, food, etc. We have been robbed and this company used the court to commit the robbery and provided no means for us to face the accuser in order to dispute the matter in its entirety. Additionally, I would be more than happy to attach documentation in the section below if I actually had any sort of documentation to begin with. I have nothing from this company. No letters, no notice of legal action, nothing. This was a complete surprise and have no idea what to do other than contact an attorney and sue for restitution.
Product: Credit reporting or other personal consumer reports

XXXX has my wife 's account with XXXX homes reporting on my credit file!! Ive called and disputed this even with the credit bureaus with no success. The account statements and documents clearly have her name on them and not mine but they are still reporting inaccurate info on my file which is a violation of the FCRA!!! I want this corrected immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My date leacking by credit agency, few credit requests from someone, regular phone call for student loan, what I never taken, My date Leacking by XXXX, XXXX  and XXXX .Bless good  Lockout agency inform me about this. 
My emails XXXX what was used for request closed by me personally. 
I know this is illegal used my date for their purposes, but really I do not know now what I can to do? Need I write a letter for human right to courts? Or you can find different way? 
Additionally there involved my family, where agency transfer my request, do not show closed loans, and do additional request. 
Please let me know are this is discrimination by skin color?, By accent of languages? By nationality? By genger? because they send me messages regular where offer sex. 

Best regards, XXXX
Product: Credit reporting or other personal consumer reports

these items on my credit reports are unrecognized and not authorized by me and need to be removed
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 their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not + comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres.. for this violations
Product: Mortgage

I tried to apply for a loan modification and was turned down because I was n't behind in my payments. My property taxes have tripled and I was trying to get the bank to escrow the taxes and insurance. After speaking with them, I could not do either. I have had the mortgage since XXXX. On XXXX XXXX, XXXX, BOA called me at work to ask me when my payment was going to be made. It was supposed to be made on the XXXX, however, XXXX Bank scheduled it for XXXX XXXX ( XXXX day late ) because I missed the cut-off time for the payment to be made on the XXXX. I have never missed a payment in 20 years and this was the very first time I was late and not due to my fault. I am furious that BOA is harassing me for XXXX payment which will be made tomorrow, XXXX XXXX after 20 years of NEVER paying late. I want them to stop.
Product: Credit reporting or other personal consumer reports

I found incorrect late payment entries in my credit report. These discrepancies do not reflect my actual payment record. I kindly request that you fix these and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple Equifax agents have refused to open a dispute on an address being reported incorrectly. I asked for the contact information of the creditor reporting the information. I was told by XXXX ( id # : XXXX ) there's no record of the creditor reporting the address. In addition, I was told I need to prove or disapprove the validity of the address in question. I was dismissed when I reminded the agents of the law requiring the agency to investigate and come to a resolution with 30 days. 

Also, Equifax has made it impossible for me to access my credit file online or phone and extremely difficult via phone. I do not have this issue with the two other agencies.
Product: Checking or savings account

I went to XXXX to make a loan at XXXX XXXX, after I paid the loan they want me to pay them 2 times as such I almost paid it twice because what was left was a week when I'm going to explain that I shouldn't All that amount of money they close my TD BANK account again so that I have to pay the same again for the overdraft, it is also happening with the car that I am paying for the car I had to go with insurance because they used XXXX later after a lawyer they made up who said they were going to help me and much more money they have made yes my consent, for me that is fraud, thousands of other things they have done that everything is silent because I had not spoken that is why I am doing the report for you to help me because I am not going to continue paying someone else 's debt