23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

Please remove this account : XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( square inc. ) due to inadequate customer service practices which violate cfpa, specifically cash app failed to take timely and effective measures to prevent or address fraud on their platform their dispute process is unfair and deceptive
Product: Credit card

Dear CFPB, I am writing to raise an issue that Ive encountered across multiple financial institutions, including Capital One, XXXX XXXX, XXXX, and others, regarding the incorrect validation of my Individual Taxpayer Identification Number ( ITIN ). My ITIN ends in XXXX, and many banks are rejecting it as invalid during the application process for credit cards and other financial services. 

It appears that these institutions are applying Social Security Number ( SSN ) validation rules to ITINs, which results in numbers ending in XXXX being treated as invalid. According to IRS guidelines, this should not be the case, as ITINs follow a different structure than SSNs and the final digits XXXX in an ITIN are valid. However, the systems of these banks continue to reject my number, preventing me from accessing essential financial services.
Product: Credit reporting or other personal consumer reports

This account listed on my XXXX report only showing account number -- XXXX which is a scrambled version of the account ending XXXX. This account has not updated on XXXX since XX/XX/2024 and the balance at the time was {$1000.00}. The balance now XX/XX/2024 is {$200.00}. A vastly different amount the history of the last XXXX  months and the payments are also missing. I have asked repeatedly to have this updated. I am constantly ignored.
Product: Mortgage

I have been trying to get a payoff from Capital Mortgage Services of Texas for a closing that is supposed to happen in a little over an hour from now. I first faxed the request along with the borrowers authorization on XXXX/XXXX/16. I called twice last week to confirm if they received my payoff request, ( even though I got a faxed confirmation that they did ) and get an XXXX on the payoff, but I could n't get a human on the phone and had to leave voicemails. The borrower called them on Friday, XXXX/XXXX/16 and she was told that they were sending the payoff out to me that day. When I got to the office on Monday, I still had n't received it so I called again. They stated that it would be emailed to me yesterday ( Monday ). At XXXX yesterday when I still had n't received it, I called again and they stated that I would get it some time today, if not first thing in the morning. This morning I still did n't have anything so I called again. Capital Mortgage Servicing stated that it was still in the final stages of being processed and that she would " try to rush it through '' and if I did n't have it by XXXX to call or email back again. It 's now XXXX and I 've emailed them twice more with no response. The closing is in less than an hour and I 've informed Capital Mortgage Services if the closing was delayed because they are not providing the requested information I would report them to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunrise credit services was suppose to delete their account on my credit file with all credit Bureaus from my recent complaint back in XX/XX/2023 but they only deleted it from XXXX and XXXX and not yet from XXXX since XX/XX/2023 and it is still reporting on XXXX please delete the account that you promised to from complaint id with the cfpb : XXXX XXXX
Product: Consumer Loan

I got a loan with Drive Time in XXXX till XXXX, I was never late or missed a payment. XX/XX/XXXX I discovered my payments history was not reported to any of the credit agencies. Initially Drive Time refused to fix it and that is when I filled my 1st complaint with Bureau Of Consumer Finance. Shortly after I was contacted in writing by XXXX XXXX B. 
please see letter attached ( although she had the wrong year on top of the letter ) She contacted me in XX/XX/XXXX not XX/XX/XXXX. In the letter she stated " we are only able to reinstate paid loans through XXXX, as they are the only credit bureau with the ability to do so. This update should reflect on XXXX XXXX 's credit reporting with XXXX within 30-60 days. '' I accepted her terms, however till this day XX/XX/XXXX, XXXX tells me they never received the information from Drive Time to report it. XXXX provided me with a copy of my credit report showing no evidence of Drive time being reported. I contacted XXXX XXXX XXXX office on XX/XX/XXXX, XX/XX/XXXX and XXXX, I spoke with XXXX different people and they all claimed XXXX XXXX XXXX was not available. None of them seem to know about the letter from XXXX XXXX B in XXXX XXXX and when I brought it to their attention, they all said XXXX XXXX XXXX will have to call me back. I find this completely irresponsible from Drive Time and I ask for mediate compliance as per the letter from XXXX XXXX XXXX, please see copy attached. 
Thank you
Product: Student loan

I had a XXXX XXXX, but XXXX County canceled the occupational license, because of their mistake. The house was not in commercial zone and they gave me by mistake a permission, so because of their mistake I lost all my capital plus the money that I had as loans or mortgage. I could not pay the mortgage and could not use the boarding as before, the price of the real estates also came 50 % down, so I could not sell and pay the bank. The water damaged the building, and insurance co. XXXX XXXX did not pay, the tenants did not pay and also stole my XXXX XXXX. Sheriff did not take it seriously and so I was robbed from many sides. I got also bad credit score and could not work other places. You see I robbed from many side and the system was indifferent, how can I pay, in the time, people did not pay the rent, robbed my fully furnished XXXX XXXX, insurance co,. did not pay the water damage and robbing, bank took the XXXX XXXX and did not cooperate with me. I spent over XXXX dollars for the XXXX XXXX and the bank sold it for XXXX. the people robbed me, it is fine, insurance co. did not pay it is fine, bank took my boarding school and sold cheap, it is fine and I hired attorney for modification, he said, I should give the building back ... I hired attorney to sue the county, she said, she will not do it. So I could not pay the student loan, too. I was persecuted in XXXX, because of XXXX and XXXX religions and here I am totally robbed and nobody help. I hope you can do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly on the XXXX XXXX XXXX/XXXX   account number XXXX. This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

Attempted to withdraw my funds from BlockFi.com but they have frozen withdrawals and do not respond to my inquires regarding the status of my funds. They froze the withdrawals with no prior notifications. The second I received the notification ( XX/XX/XXXX ) I tried withdrawing my funds but it did not allow me. They've practically stolen my money alongside XXXX other users.
Product: Credit card

On XX/XX/XXXX, I called XXXX credit cards at XXXX XXXX XXXX XXXX and spoke to " XXXX '' to cancel my XXXX father 's credit card account. He advised me that the account was canceled and if I had any questions, to call XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I received XXXX NEW XXXX credit cards on the same account, XXXX in my XXXX father 's name, and XXXX in the name of my XXXX mother. On XX/XX/XXXX, I called customer service XXXX XXXX XXXX XXXX and spoke with `` XXXX '', giving him my mother and father 's dates of death and my father 's Social Security number ( AGAIN ) as well as my name and address and advised him to close the account as both parties on the account are XXXX. " XXXX '' advised me that the account was closed effective immediately, and that a written confirmation would be sent to me at my address. 
On XX/XX/XXXX, I received a letter addressed to my XXXX father at my address from Synchrony Bank stating in part that they had " ... recently received a letter that was unclear regarding the desire to close [ the ] account '' and requesting my XXXX father to " ... confirm your desire to close your account by calling the toll free number listed below. '' The number given was the same number I had ALREADY CALLED XXXX. 
On XXXX, I called that number and spoke to " XXXX ''. I told him I wanted to make absolutely sure the account was CLOSED. He advised me the account was closed and told me to simply " ignore the letter ''. Then he told me I could call XXXX XXXX and speak to the " XXXX '' to try to resolve the matter. 
On XX/XX/XXXX, I sent the Synchrony Bank Customer Service Department a letter detailing the fact that I had already called and had quite unambiguously stated that the account should be CLOSED due to XXXX of the account holders -- BOTH OF THEM -- and that my XXXX father HAD NEVER WRITTEN THEM A LETTER AS THEY CLAIMED IN THEIR CORRESPONDENCE. I also requested written confirmation that the account was, in fact CLOSED. To date, I have received NO RESPONSE WHATSOEVER from their Customer Service Department.
Product: Debt collection

On XX/XX/XXXX, I and XXXX friends legally parked at a metered space in the XXXX XXXX XXXX. On XX/XX/XXXX, I received a Notice of Parking Violation from the City. I filed an Appeal on XX/XX/XXXX, and sent accompanying proof of payment of the meter, documentation from friends acknowledging meter was paid, and that the meter service was incorrect and I owe no fine. On XX/XX/XXXX, I received a reply ( dated XX/XX/XXXX ) allowing me until XX/XX/XXXX, to pay the improperly and illegally accessed fine. After contacting elected XXXX XXXX officials, I was advised to contact legal entities regarding this illegally accessed fine. On XX/XX/XXXX, I wrote to the XXXX XXXX XXXX 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 XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX, XXXX XXXX at the XXXX XXXX regarding my appeal of the validity/Finding on Ticket XXXX. I was not afforded the opportunity to file a 2nd appeal as others have been documented and allowed to file. I resubmitted my Appeal anyway and since I do not reside in Illinois, I was not able to appear in person and fight this bogus fine. Again I provided definitive written and photographic proof, including proof of credit card payment of the parking meter fee, but have received no favorable response from the XXXX XXXX  XXXX about this improperly assessed fine. I also mailed a written notice of my grievance against XXXX XXXX XXXX XXXX XXXX XXXX or a contracted legal contractor handling matters on her behalf for this action that violates the judicial code by showing improper review of evidence, improper finding, and the miscarriage of  justice against me in this matter. Now the illegal action of assessing an improper fine has resulted in increased charges and the original fine for not paying the {$8.00} meter fee which I proved beyond any doubt was paid has resulted in me being contacted by US Mail by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX for a debt that I do not legally owe in the amount of {$150.00}.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these account. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX/XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to the credit reporting bureaus regarding inaccurate and unknown items on my credit. I have reasons to believe that my information was leaked, there are accounts on my credit report that are not mine. I made the credit reporting agencies aware of this issue, but it has not been resolved. I demand these accounts to be deleted immediately off my credit report because it it breaking the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX and I am filing a complaint for XXXX as they have three collection accounts that have been readded back to my credit report 2x when I submitted information pertaining to identity theft, and FTC reports to the bureau. Not only did they fail to disclose my results of the disputes within removing them they readd to the bureaus with no information as to why or no investigation. The three collection accounts I am complaining about is XXXX XXXX XXXX hopsital where there is two collection accounts and an apartment park falls which was a lease opened up in my name. The FTC report # XXXX for these complaints are as follows XXXX, & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1692C These companies below have continued to try an collect a debt that I have no knowledge of and I am protected under certain laws to not respond and to not also give them any money. I've recently filed complaints with the XXXX and my local attorney general office against all of these companies because it is impacting my credit in a negatively way and I get denied for things I should be getting approved for. They reported to Transunion, XXXX and XXXX XXXX XXXX XXXX XX/XX/2023 {$870.00} XXXX XXXX XXXX XX/XX/2023 {$570.00} XXXX XXXX XXXX XXXX. XX/XX/2023 {$2000.00}
Product: Checking or savings account

I have been begging robinhood to release whatever security lock they randomly placed on my account. They have ALL my money, including XXXX funds, savings, and my emergency funds. I have had nothing left for almost XXXX weeks. I have tried calling all the phone numbers imaginable, but they all lead to an automated voice that says to request a callback from the app and hangs up immediately with no way of reaching an agent. On the app, there has been no button anywhere to request a callback. Ok desktop, I saw a prompt to call in at the top of my screen, but upon inspecting it, it did absolutely nothing. When talking to the chat bot, I could sometimes force it to show a request callback prompt, but it was *ALWAYS* grayed out. When I finally got a person in the chat, or at least what I think is a person, they would always paste back the same give me a moment to review your account. Followed by a the only way we can resolve this issue is over the phone please request a callback by following these instructions that led me to the same instructions that clearly showed no way of requesting any call. Eventually, I saw another pop-up saying take action on your account. I assumed that clicking it would take me to a form I could submit to verify my identity with documentation or something, but it just glitched out and said request sent. 


This allowed me to receive an email from another agent, who just gave me the same darn instructions over and over again. I did this about XXXX times until I got someone to reply to my emails. He said, I understand the app isnt working, use this link to upload your ID. I uploaded my ID and selfie, and then heard nothing for about a week. I spammed the emails again, and the agents said request a call back to unlock your account. After begging them over email many times, one of them finally replied saying, oh, you can just call this specific number, and give them our case ID to the computer. I thought I was saved! But no, sadly Robinhood had other plans. I tried calling that number on different days of the week and hours of the day, for an entire week. I received multiple different case IDs to try and call with but EVERY SINGLE TIME : That case number could not be verified Please request a callback on the app And then it immediately hangs up! 

This can not be real, there is literally no way for a customer to reach someone about a security lock. I feel really cared about not being able to pay my bills.
Product: Mortgage

In XXXX I sign up for a home modification with B.S.I. I was put down as a denied, I ask why? they told me I was a fraud. I ask what make me a fraud. they said I did n't sent all my paperwork.I told them, that not a fraud. 
I resign up three time sent all my paperwork only to be told we never got it. each time. I was told that. XXXX my status has changed my daughter live with me now, still trying to get modification..me and my advocate sent a update package, only to be told we do n't have it, and we are not going to review you.I have been here three 25yrs. and work 33 yrs. Iam retired now.
Product: Mortgage

I have been trying to get my house refinanced for months, and I keep contacting my own mortgage company, Nationstar, to get this accomplished. I have twice now been switched to Greenlight. They run me in circles for months with lies and inaccurate information, have me submit the same information over and over, and pull my credit over and over. 
I attempted to contact Nationstar again yesterday, and was assured I was working directly with Nationstar, and not Greenlight. Greenlight Financial has horrific reviews online because they flat out lie and give out inaccurate information.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorougn investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

They claimed I owed a doctor. I paid them ; gave them my routing number and checking account. They said they would remove the debt from my credit history. I did not check ... 

They said I would receive an email. No email. So far, no money taken out, but now I am subject to identity theft. 

Company is Midwest Recovery, and they can not be reached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 Bankruptcy - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.