23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Consumer Financial Protection Bureau Dear Consumer Financial Protection Bureau, Subject : Complaint Regarding Fraudulent Reporting of Items Related to Identity Theft Account # XXXX I am writing to formally file a complaint regarding fraudulent items reported on my credit file that are directly linked to a data breach in which my personal information was compromised. As a result of this breach, I have been a victim of identity theft, and the items listed by PORTFOLIO RC are not only inaccurate but also violate consumer protection laws related to the fair and accurate reporting of credit information. 

Details of the Complaint My personal information, including my Social Security number and other sensitive data, was exposed in a data breach. 
Since the breach, I have discovered unauthorized accounts or transactions reported by PORTFOLIO RC, which I did not initiate or authorize. 
Despite disputing these items with the company and providing proof that they stem from identity theft, they have failed to adequately investigate and remove these items. 
This companys actions break provisions of the Fair Credit Reporting Act ( FCRA ), particularly : The duty to investigate disputed items thoroughly. 
The obligation to ensure the accuracy of items reported to credit bureaus. 
Impact on Me These false reports have negatively impacted my credit score and caused financial and emotional distress. I have taken every step within my power to rectify the situation, including : Filing an identity theft report with the Federal Trade Commission ( FTC ). 
Placing fraud alerts on my credit file with all major credit bureaus. 
Contacting the reporting company directly to dispute these items. 
Despite these efforts, the company has failed to comply with its legal obligations, leaving these fraudulent items unresolved. 

Requested Next Steps I am requesting the Consumer Financial Protection Bureau to take the following actions : Investigate the actions of PORTFOLIO RC regarding their failure to address fraudulent items stemming from identity theft. 
Require the company to remove all inaccurate or unauthorized items from my credit file immediately. 
Impose any applicable penalties on the company for failing to comply with FCRA regulations. 
Ensure the company implements stronger measures to prevent such negligence in the future. 

Supporting Documentation Enclosed with this letter are the following documents to support my complaint : A copy of my FTC Identity Theft Report. 

Thank you for your attention to this matter. I trust that the CFPB will act promptly to resolve this issue and hold the company accountable for its failure to comply with federal regulations. Please do not hesitate to contact me at XXXX or XXXX if you require any additional information or documentation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I had 2 fraudulent transfers from my XXXX card for XXXX XXXX. They took place on XX/XX/XXXX and XX/XX/XXXX for {$500.00} each. They were listed as " XXXX transfers.I filed a dispute on XX/XX/XXXX, and learned on XX/XX/XXXX that the person I talked to did not file the dispute.After a 4 1/2 HOUR HOLD a woman answered and said the call had rolled back to customer serviceinstead of the dispute dept. She went ahead and did the dispute for me.It has been about 2 weeks and I still do not have my money back. They told me about 5 to 7 days.My bills are on hold becauseof this. I can not get ANYONE. I have been calling since last Thursday. On hold Thursday from XXXX XXXX till XXXX XXXX! Friday from XXXX till XXXX XXXX. and again from XXXX till XXXX.Today I was on hold for 3 HOURS, 27 MINUTES. A woman answered, then said sorry, WRONG DEPARTMENT and I have now been back on hold for 42 minutes!
Product: Debt collection

Some woman from Weinberg Mediation Group called at around XXXX and left a voice mail threatening to go to take legal action. No letters were sent to me so I do n't know who this company is.
Product: Mortgage

Nationstar Mortgage- Loan # XXXX I ) My account representative is n't very reachable. I have called and emailed several times without receiving a timely response. 

II ) I have been asking to fill out the mortgage application two times and there is n't a clear log of the information that I sent in. 

III ) The review process is n't complete and the list of open items keeps on changing from week to week. I ca n't get a final list of missing documents. 

a. I was told on XXXX XXXX that they need XXXX more documents to complete the loan process I sent them in on the same day. 
b. On XXXX XXXX - I was told that the reviewers are still missing XXXX difference documents - I emailed the information on XX/XX/XXXX. The review process still wasnt final c. On XX/XX/XXXX I received another request for XXXX different documents IV ) My reinstatement loan balance keeps on changing because of the delays above. I 'm seeing more legal fees assess to the account V ) While I 'm applying for a loan modification a Sheriff was sent to the property to give my tenant 20 days to vacate the property on XX/XX/2015 The load modification is being delayed while the lawyers are pushing forward the foreclose process.
Product: Credit reporting or other personal consumer reports

Reporting late payment on credit reportXXXX XXXX XXXX repost late payment on credit report. XX/XX/XXXX of 2023 and XX/XX/XXXX of XXXXNo action was taken they would not remove it. 

GM financial amount XXXX report late after stating that the loan can be push back.
Product: Payday loan, title loan, or personal loan

I did not apply for a loan. I had never heard of them or had and contact with them in any way. Tower loan supposedly sent a live check in the mail for over {$4000.00} in my name. Someone cashed it at XXXX XXXX XXXX. They want me to sign a fraud affidavit with them and have aggressively called me 100s of times but considering what has already happened I do not trust them. I feel what they have do is highly illegal and it now shows up on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries on my Equifax credit report, which have recently come to my attention. These inquiries were conducted without my consent or authorization, and as such, I request their immediate removal from my Equifax credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 2 ) and 611 ( a ) ( 1 ) ( A ). 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

Under Section 609 ( a ) ( 2 ) of the FCRA, consumers have the right to request the disclosure of their credit report, including the sources of inquiries made within the past two years. Upon reviewing my credit report, I discovered unauthorized inquiries that were not initiated or authorized by me. These inquiries have negatively impacted my credit score and financial standing.

Furthermore, under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request its correction or removal. The unauthorized inquiries on my credit report are inaccurate and misleading, as they do not reflect any legitimate credit transactions or applications initiated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple complaints identifying identity theft on my report well over 4 business days ago. Because my rights have been violated I am demanding that the accounts that I have identified as being the result of identity theft be blocked or removed from my credit report no later than four business days after the receipt of such information that I have sent over in accordance with 15 USC 1681 c-2. 
See multiple previous submissions through CFPB portal showing accounts identified as identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency continues to report fraudulent information on my consumer credit report, even after submitting several FTC identity theft reports.
Product: Credit card

I have been out of work from a medical issue and have not been working. I called Capital One and asked if there was any help they could offer such as repayment plan. Unfortunately they had only one plan to assist me. I was asked what I can afford I said {$100.00} and the plan that was offered was {$520.00} a month for 3 months. I explained to them what I just said I could afford only {$100.00} monthly. Even if it was temp. I went through this last year and had to file a complaint because there was not one plan or program to help with people who have an accident and go into hospital and are out of work. I had someone from Corporate call me and they were understanding and was able to assist with a plan temporarily. The lady stated if I had any problems or needed any assistance to call Capital One. I did just that and I was turned down. I was in a very XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXX XXXX XXXX XXXX. I am asking for someone to call me back to speak to me about this. I am very stressed out and have been depressed I really just need to speak to someone that truly understands life happens and I don't want to have my bill go unpaid I DO want to pay it but need a little bit of understanding and a little time to make all the payments. I would think Capital One would want to help customers with circumstances out of their control and who want to pay but have been seriously hurt bad enough to be out of work for an extended period of time.
Product: Credit reporting

I am asking for a copy of the proceedings from your local court. If they can produce records that you filed for bankruptcy, If they can not find a match, ask them to issue an order to have the filing removed from your report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  is showing up three times on my XXXX XXXX XXXX 

The amount allegedly owed is {$660.00}. This account was sold to XXXX and then sold to XXXX management on behalf of XXXX. 

Due to this error, please remove the account listed under XXXX  XXXX on my credit report. 

According to the FCRA, a debtor must attempt to contact you before a debt is sold. XXXX XXXX has not contacted me, nor has XXXX.
Product: Mortgage

I applied for a mortgage on XX/XX/2021. I submitted all requested information under the impression that I would receive a pre approval within 7 days. I have called the office and emailed them with no success. They gave me a hard inquiry on all 3 of my credit reports and failed to offer me a product, an approval or a denial. I want the inquiries removed from my credit report.
Product: Credit reporting

I tried to log into Equifax to view my credit report. I attempted to dispute items. I received an email from Equifax saying they had resolved the disputes. I tried to login to my equifax account. I could n't. I then called the number given to resolve disputes with Equifax to reset a password. XXXX. I got a woman named XXXX located in XXXX. I did record the phone call. This unknown person wanted my social security number which in these days of identify theft I do not want to disclose to anyone I do n't know. She kept asking for some unknown reason if I was called from XXXX or the United States. So clearly she had some information on me. I gave her my email which she said she did not have on file. She then wanted a credit card number which again I did not want to disclose. I think I am tired of companies like Equifax determining my interest rate on mortgages, loans, deciding whether or I can obtain a rental. I did inform XXXX that I was the recording the phone call, so this was not made without her knowledge or consent.The long and short of it is that XXXX and then her manager XXXX demanded personal information such as my social security number which I was not willing to give to somone I do n't know in XXXX.
Product: Credit reporting or other personal consumer reports

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX ( XXXX ) days of the completion of your investigation. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX XXXX XXXXXXXX ) days of the completion of your re investigation.
Product: Debt collection

I have no personal or business knowledge of any transactions for this account from this company address on report.
Product: Mortgage

Approved the loan, set a closing date, disclosed the Settlement statement. 
I send the down payment to lawyer escrow account, based on the settlement agreement. 
Day before the closing, lender asked for 3.2 % points to lock the rate, which cost me over XXXX To close the loan, or I was going to loose XXXX Ernest money for not closing. 
The points were never disclosed or discussed during the loan prossesing. He brought it up the day before the closing to lock the rate. 
I think it is a bait & switch practice. 
I hope you look into this lender, from doing this to other people. 
Thanks
Product: Money transfer, virtual currency, or money service

I had a hacking incident on XX/XX/22, in which my personal checking ( through XXXX ), my XXXX, and Google Pay accounts were affected. My bank/XXXX and XXXX returned the stolen funds to me fairly quickly. I did not actually lose any money through Google Pay, the hackers used my Google Pay account to move their money through to other people, like a conduit. But in the eyes of Google, the money went though my account -- so I owe it. 
There are two issues here. One is the overwhelming challenge it has been ( 6 weeks and counting, as of today ) to get Google to fairly and transparently review my case, with all of the proof I provided. The have denied the case repeatedly, although never letting me speak to anyone of authority, everything has behind the scenes in the " escalation dept '', and only 200 characters of information can be provided on your own behalf in writing. That's it. 
Second, and the main reason for this contact with you, is that I came to a point where I realized, I must just pay this amount. Although it makes me so angry -- that the hackers are winning -- but this issue is taking over my life -- AND I am worried about my credit. 
So I tell Google, fine, I will pay. But now, I can not -- because their system is not letting me! It has been 2 weeks of me trying to GIVE THEM this {$1600.00}, and their systems are not accepting it. I have called and emailed, and they are no help. They ( different people each time ) give me the same initial instructions, like a hamster wheel. 
So now, I am concerned that this will somehow go to collections, even while I am trying to pay this AWFUL money. 
During this whole process, they have locked my account, and all of my apps. I have a small business and a google XX/XX/XXXX so the only way I can have and use apps in my phone is through the google XXXX and google pay. But with the account being locked, it has affected my business, because my phone & business apps are affected. I am worried that I will have to change from an android platform over to XXXX, because XXXX controls everything in the android world. I feel very lost and vulnerable, all because I was hacked, and I am trying to do the right thing. I am small -- they are HUGE. I feel that XXXX is doing nothing to help, even to help me make this payment. And if it hits my credit I will be even more devastated. 

Can you help??
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I SUBMITTED A DISPUTE TO XXXX REGARDING A COLLECTION ITEM ON MY CREDIT REPORT. THE ITEM WAS OPENED FRADULENTLY AND I CAN NOT GET THE ITEM REMOVED.
Product: Credit reporting or other personal consumer reports

Recently I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintain on XX/XX/year> I received a response stating that the accounts were verified on XX/XX/year> iam formally requesting a description of the procedure your bureau used in providing all information to the original creditors in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditors to ensure a proper investigation of my dispute.iam requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ) XXXX XXXX XXXXXXXX paid never late XXXX XXXX XXXX deleted by collection company per FCRA you are required to provide me this information within 15 day 's or deleted the negative information from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This account that is shown on my credit report is inaccurate and when I dispute the account Equifax dropped my credit score 63 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on my credit report from XXXX that was an attempt of identity theft, I had already talked to XXXX, when they sent me a letter asking if I had made this request for a credit card, on XXXX XXXX, 2016. I called them & told them I had not requested this card, They understood & were very apologetic, They told me they contacted the credit agencies and reported this, I also joined all three agencies & sent them copies of our problem. the other agencies canceled this inquiry, but not XXXX. I have also tried through XXXX  XXXX to dispute this, but every time I tried, when I went to dispute, it never would come up so I could dispute it. I have called them to tell them, but I can not seem to get it removed.
Product: Student loan

Refer to Complaint # XXXX. Still not resolved by Mohela even after they acknowledged that they made a mistake. 

Mohela transitioned to a new platform in early XXXX. When my account transferred from old account to new account, a loan that I paid off is showing in my balance. It is referenced as XXXX XXXX XXXX XXXX XXXX. The loan was paid on XX/XX/XXXX. it was for a loan disbursed on XX/XX/XXXX. They payoff amount was {$45000.00} under confirmation # XXXX. Mohela has confirmed they see the payoff and keep telling me the system will update, but it has not. Interest is accruing on a paid off loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit collection agencies, the previous employer/s had shared, disclosed health and personal identification info without consent XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX of WI child support
Product: Credit card or prepaid card

American Express offered a Delta Gold Card with an  offer for {$150.00} Credit Statement and Free Sky Miles after purchases. When I contacted them today ( just received card ) for confirming the credit offer, they claimed they can not provide the bonus ( es ) since I have had this card before. I told them and include here the Terms and Conditions for the offer which is unclear on the basis for making the offer unavailable : " Welcome bonus offer not available to applicants who have or have had this product. 
If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome bonus offer in any way or that you intend to do so ( for example, if you applied for one or more cards to obtain a welcome bonus offer ( s ) that we did not intend for you ; if you cancel or downgrade your account within 12 months after acquiring it ; or if you cancel or return purchases you made to meet the Threshold Amount ), we may not credit the welcome bonus to, we may freeze the welcome bonus credited to, or we may take away the welcome bonus from your account. We may also cancel this Card account and other Card accounts you may have with us. '' The complaint is that the offer is duplicitous - their offer information is contradictory ( they claim their offer materials on the web site exclude the bonus ( es ) if the card was previously owned. The T & C only discusses withdrawal of offer in the event of " abuse, misuse, or gaming ''. Clearly not the case here.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 U.S.C 1681c. ( a ) ( 5 ) Section states : 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. 

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 or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Please see the list of the items below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX