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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, M XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting

I have been trying to contact Equifax to change the report. The credit card company has sent me a letter stating that they sent the information to the company to make the change. I have no way of calling and the computer states my records are not available.
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 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/year> 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: Student loan

They promised to mail the application to me in XXXX to XXXX days. But now it is over XXXX days, I didnt get it yet! They lied! I tried to do it on line but it gave error messages!
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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriat redress for these violations.
Product: Credit reporting or other personal consumer reports

This account was charged off XXXX XXXX XXXX.Account number:XXXX However, since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account.

Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance : {$270.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$360.00} ; XXXX XXXX Balance : {$960.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXXXXXX Balance : {$180.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called over and over and have submitted the dispute online over and over and they are not fixing the error. The below hard inquires are fraudulent and need removed ASAP! 

XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 THESE 3 ARE FRAUD A NEED REMOVED ASAP FROM MY EQUIFAX REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT REPORT ATTACHED FTC REPORT
Product: Payday loan, title loan, or personal loan

FAILED TO VALIDATE DEBT AND CEASE AND DESIST COLLECTION EFFORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquires XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Department Of Education XXXX XXXX XXXX XXXXXXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states 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

This company Planet Home Lending LLC has been misrepresenting themselves to be my creditor since XXXX, They never gave me a VA loan for XXXX.I don't know who they are, or where they got a promissory note from alleging to be my signature. This is the result of Identity theft of a Security Instrument. Forensic Expert report will reveal forgery of both Note and Mortgage. They foreclosed on my house in a final judgement XX/XX/XXXX, but yet updated to Equifax on XX/XX/XXXX that I never missed a payment for the same year XXXX and reported 10 months of payment for XXXX and 12 months of payments made on time in XXXX and 9 payments made in XXXX. Since I made all of these payments then why did you foreclose and leave me and my family homeless? Since the files are too large to upload send me an email address to request the forensic reports for the mortgage and note.
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts on my credit report, which I reported to XXXX XXXX and XXXX XXXX  , yet they are not removing these fraudulent accounts. They have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX and XXXX XXXX  have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, banker XXXX XXXX XXXX XXXX  ) called me ( on my request ) to confirm that they have a Business Checking offer of {$750.00} bonus for depositing {$20000.00}. So on XX/XX/year>, I went to a branch to meet bankers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to open a business checking account. XXXX showed me the requirements for the new business checking bonus offer on her laptop. I took partial pictures of those requirements from the laptop screen because she was hesitant to show me the entire offer ( now I know why ). I am attaching those pictures to this complaint. She told me that she is opening my new business checking offer with that offer. At the branch, I confirmed again if she was applying the promo code for the offer, and she said yes. However, after 2 weeks of opening the account, when I asked her to confirm whether my offer was still applied to my account, XXXX asked XXXX to provide the offer. Essentially, she is now saying that whatever she showed me on her laptop does not count and I need to provide a bonus offer ( after 2 weeks of account opening? ) Please see my emails with her where she says - " You previously emailed me about finding an offer online. I need the exact offer what you found. Please send me the online version you originally found. Not the one when you saw on meeting with me and XXXX. '' I don't understand why, at the time of opening the account, she led me to believe that she had a valid offer by showing me her laptop screen. Why she didn't ask me to provide an offer at the time of opening itself instead of asking for one after 2 weeks? 

I believe I am a victim of a classic bait and switch tactic. My Application confirmation number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account several times with XXXX XXXX and With Equifax, XXXX, XXXX I Have a complaint thru CFPB cause XXXX XXXX will not respond to me but the did responded to the CFPB with : Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. 

I went off information in my credit report by Equifax, XXXX, XXXX Equifax, XXXX, XXXX claims they validated this account so i am DEMANDING by law they provided me with all documents that has my signature they have received to validate this account and to whom they spoke with, and the address and number to whom they spoke or sent dispute to, that the information they are reportin is inaccurate cause the CFPB could not get the right bank either, So at this time if this does not resolve the issues then as of XX/XX/XXXX I AM filing suit in XXXX XXXX, ok and will request for all supporting documents to be produced or pay for inaccurate reporting and i wont settle the courts can make the decision on this matter. AND I DO BELIEVE EQUIFAX IS ACTING IN BAD FAITH TO PROFIT FROM THIS TRADELINE. 
THIS IS MY FINAL NOTICE TO EQUIFAX AND THERE RESPONSE WILL BE USE IN COURT.
Product: Debt collection

well I had a judgement placed against me XXXX 2016 for {$6100.00} .this includes no interests as stated in jdgement. XXXX I noticed I 've made 9 payments total {$1100.00} im looking and they still have my balance at XXXX after payment I made today XXXX/XXXX/2016, but my balance based on judgment should be {$5000.00} after my 9 payments difference of {$410.00} I called the law office of selip & Stylianou llp in XXXX ny. XXXX my account representative at ext XXXX says the difference is from interests im being charged he sys per NY state 9 % {$1.00} a day???? that 's crazy how can they charge interests on a judgment that did n't include interests??? Basically making payments im being unfairly robbed cause the account will never be paid off if they are charging me interest per day this is crazy and unfair s there something I can do???
Product: Checking or savings account

My purse was stolen on XX/XX/XXXX. Fiserv cut off my online bill pay to collect a payment sent out that day that they couldnt take out when my account was frozen by the XXXX. As soon as I was able to reestablish my checking account on XX/XX/XXXX, I called Fiserv and gave them permission to debit my new account for the amount. On Saturday, XX/XX/XXXX I discovered they had cut off my access again to collect the same transaction. ( 1 ) I paid them for that. ( 2 ) They provide no way for some one to make a telephone payment or online payment only to one of their call center service reps Mon to Fri thus denying me access to pay my bills over an entire weekend. This isnt right. Theyve now victimized me twice more after the thief. Further, their relationship is with the Bank not directly with the consumer.
Product: Mortgage

Hello. On XX/XX/XXXX we submitted a Customer Renewal Form ( which XXXX XXXX sent that via mail to submit into them asap ) with all our documentation to re modify our loan due to our loan was up for renewal on XX/XX/XXXX. We received another Customer Renewal Form via mail again on XX/XX/XXXX stating we needed to complete it and send it in asap. I emailed XXXX XXXX on XX/XX/XXXX to let them know that I had already provided the information as requested and attached all the documents to the email again. On the same day our mortgage lender replied back stating " This will get me started! Thanks!! ". A week before the maturity date I phoned the mortgage lender and ask for an update on our package and they stated that everything looks great and to continue making your payments and if anything else is needed we will contact you. We thought everything was okay and we didn't have anything to worry about. Come XX/XX/XXXX, a year later we received a letter from XXXX XXXX stating that our loan was going to be transferring to BSI come XXXX or XXXX I believe and we need to start making payments to them. We then received something from BSI with our monthly payment information which was our normally payment amount that we were previously were making with XXXX XXXX. We received another letter about a month later stating that the mortgage had matured and that the full amount was actually due. Since the loan has transferred to BSI they will not help us with anything. We submitted loan modification paper work and they denied us stating the loan had matured. We feel like XXXX XXXX was wrong because we never received a denial or an approval letter on if we were approved and they just kept taking our payments after the maturity date and transferred our loan to a new servicer without forwarding our documentation to be reviewed by BSI. We feel that BSI was wrong because I wrote them a letter and explain the situation and they still wouldn't do anything about it. If we would have received something from XXXX XXXX stating that we were denied ( if we actual were? ) We could have figured something else out. We were in a Chapter XXXX   Bankruptcy at the time and nothing was even forwarded to our attorney 's that we were approved nor denied for anything. We are still in Bankruptcy now because BSI would not accept any payments other than the full amount due per their customer service rep. Now the bankruptcy court has lifted the stay and our home will be facing foreclosure. We just need someone to help us. Thank You So Much! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX BSI Financial Services XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX
Product: Student loan

I was enrolled at XXXX University for a total of 10 days. I am not a high school graduate therefore I did not understand the curriculum. After calling the admin at XXXX she stated no problem and I would not be charged. Now there is a federal student loan for {$9500.00} plus interest that I owe. First, I was informed that since I did not qualify to attend college with no Diploma and no Equivalent and unenrolled within 10 days, I would not be responsible for any charges. Second, I was never informed that the charge was {$9500.00} on two separate loans. After attempting to contact Navient, they refuse to help me get this resolved. Navient also states that I was enrolled at XXXX University XXXX ( Which I never attended ).  They have also reported me late several times to all credit reporting agencies which I don't understand and completely disagree with as the months I was reported late, I was under a deferment. Not only is Navient not looking into why I was charged {$950.00} a day on two separate loans but has also ruined my credit by reporting negative marks.
Product: Credit reporting or other personal consumer reports

I would like to have all names removed from ALL 3 reporting agencies and reported as such. 
XXXX XXXX XXXX, I am only 1 person. I have no other names or priors. 



Credit Report Date : XX/XX/scrub>XX/XX/XXXX  Name : XXXX XXXX XXXX ( only name that should appear ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Former : - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX  XXXX, XXXX   XXXX XXXX, and HUNTINGTON NATIONAL. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX and XXXX XXXX XXXX  XXXX, XXXX XXXX   XXXX, and HUNTINGTON NATIONAL with no successful resolution. There was definitely an error on their part.
Product: Credit card

Before Citibank took over XXXX XXXX 's XXXX accounts, I notified ( in XXXX ) XXXX about my father 's passing in XXXX. They said that I did n't need to worry about Citibank issuing a card in his name when the time came, because he is no longer a member, and therefore not eligible for a card. 
But in XXXX, Citibank did issue him a card. The XXXX of us were on the account with my XXXX as primary. So I called to ask Citibank to remove my dad as primary and make my mom primary. During the XXXX call they said I had to wait til after XXXX ( when the takeover became official ) and they would take care of it. I called the week of XXXX and was told that all XXXX cards were to be deactivated due to his death and that a closing statement would be mailed. None arrived so I called again. Was told the billing period would n't close til XXXX and a statement would be mailed the week after. None arrived so I tried getting it online ... denied access. I called again. Meanwhile, I got a letter from a collection agency and when I called them they said they were trying to collect a debt from Citibank in my dad 's name. I did n't believe them and asked for proof ... still have n't heard back from them. I called Citibank to let them know that a disreputable collection agency was using their name and had somehow hacked my dad 's info from them ... only to find out that during my initial call (! ), Citibank actually had sent the account to that outside agency. ( Are survivors automatically classed as deadbeats?? ) I was, however, promised that the regular billing statement would be forthcoming. Many calls to Citibank later, I discover : 1. They have no intention of sending a statement to me ... they have " locked '' the account so that their own customer reps are blocked from seeing anything except the total due ( {$480.00}, according to them ) and can not request a statement be sent ... and that that has been true since my initial call. 
2. Their internal Collections Department is not dealing with this ( it went directly to the outside agency ). They forwarded me to their Probate Department. 
3. Citibank Probate Department has the account now and told me they are doing a " search of your father 's estate ''. They have no business trying to probate my father 's estate. To do that, Citibank must be trying to invalidate my parent 's Trust. ( I 've seen nothing in writing. ) All I ever wanted was a regular billing statement so I can review the charges and pay the bill. If we have to use my mom 's money to get a lawyer to defend their Trust, that will use up the money that is now paying for her XXXX. 
Every call I 've made, whether to XXXX Collection Agency or to Citibank, I was " offered '' the opportunity to pay immediately over the phone. And every time, I said I wanted a statement first so that I can review the charges and then send a check. 
Since it got sent to collections, I 'm assuming that Mom 's and my credit has been " dinged '' and I 'm a little bit upset about that too. 
Can you please just get Citibank to send me Daddy 's regular billing statement and allow me to pay this credit card bill the normal way?
Product: Mortgage

In XXXX of 2023, I changed my hazardous insurance company to XXXX. The former insurance XXXX XXXX ( XXXX ) sent me a refund. I then called my current mortgage company XXXX XXXX and after depositing the refund into my account and instructed them to apply {$1200.00} to my escrow account. XXXX XXXX did not apply the refund to my escrow, they applied to my Principal. My Mortgage payment went from {$1100.00} a month to now {$1300.00}, an amount I can barely afford. This is the XXXX mortgage increase I have experienced dealing with XXXX XXXX. The first increase came from the same mistake with my escrow account. They made an error by paying my taxes to the state twice which shorted my escrow and causing my mortgage to increase. No fault of mine in both instances but I am being penalized with increases to my mortgage payments. This is not fair to a XXXXXXXX XXXX XXXX XXXX XXXX Please help. My current mortgage payment is high at this point, I do not know how much more I can make this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022