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

As a victim of identity theft and fraud, I'm filing this complaint with the CFPB to request that you, XXXX credit reporting agency, promptly block the inaccurate and fraudulent information on my credit report within 4 business days, as per FCRA 605B ( 15 U.S.C. 1681c-2 ). 
The fraudulent information includes an account opened at 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. 
These fraudulent accounts have resulted in several hard inquiries and collections appearing on my FICO credit report, severely damaging my creditworthiness. As the victim of this identity theft, I request that you take immediate action to remove this false information and protect my financial well-being. 
Your credit report maintained by you shows fraudulent items that I do not recognize. The accounts, collections, and hard inquiries listed on my credit report were not opened, made, or initiated by me. All of these are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXXas proof from the US Federal Trade Commission that these credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan

Is this a legitimate organization? I had to provide my social security number and address to get them to remove my name from their mailing list. Then I got a follow up mailing piece asking me to sign my confirmation to not receive any more offers from their organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my HELOC loan incorrectly as if it were open and an active revolving credit account. It is actually closed and in the repayment phase. I have a letter from Chase confirming that it is in fact closed and not active and in a repayment phase. XXXX and XXXX  are both reporting this accurately but XXXX continues to report it incorrectly as an open revolving credit line. 
It originally had a XXXX limit which was never used fully but when the 10 year term expired There was a total of XXXX spent. This is the figure that Ive been paying back as a 2nd mortgage, not the limit of an active revolving credit account which is what XXXX is currently reporting. It completely throws off my credit utilization amount and needs to be reported correctly as a mortgage loan.
Product: Credit card

This is a SYSTEMIC issue that I wish to address with Regards to TD Credit services. They do not offer EMAIL ALERTS before the payment is due ; rather they offer text alerts, which means you have to pay for the text. This is done to deliberately have people late on their credit card payments as most people do n't want to pay for texts. This issue must be addressed, it is a systemic issue, and it has me getting behind on my payments all the time, I have XXXX other credit cards, and I am on time with all of them, because they have Email alerts that alert me a few days before my payment is due, but TD however WILL NOT ALLOW EMAIL ALERTS, they will ONLY allow TEXT ALERTS. THIS IS A SCAM, AND A RIPOFF, THIS MUST BE ADDRESSED.
Product: Credit reporting or other personal consumer reports

XX/XX/year> was the deadline to pay XXXX XXXX. I paid via phone. However, because the payment was misapplied, XXXX reported the account in error between XXXX. I disputed with XXXX in XXXX. 

After its internal investigation concluded on XX/XX/year>, XXXX agreed to remove the entry from ALL credit bureaus. However, despite my XX/XX/year> dispute with Equifax AND multiple disputes with XXXX in XXXX and XXXX, the information remains. Not only does it remain on my credit, I am unsure how XXXX and XXXX validated the account, despite the documentation. My prize is now the balance was updated to {$0.00}, but it still caused my credit score to drop when I purchased my car XXXX. 

I even had my attorney write a letter, which was also ignored, as the information remains.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my friend sent me payment for a pizza we had split earlier that day, it was XXXX if us I pisd for full amount upon everyone agreeing to send me back a portion of the pizza dinner payment, one had Venmo decided to send me there portion and another said just to send them there returning changing and split it with her, so me and my friend both didnt use Venmo and decided to make a account the same night side by side one another. After a hour of making the account they locked my money when it was XXXX and stated no reason of unacccount frozen or no email was sent, I needed that money to get to work and gas but they proceeded on ignoring me and waiting and telling me 3 days funds will be viable, its been 5 days they now said my account has been permanently disabled and will hold my funds for 180 days not giving a reason and all there employees were rude not professional and stated I will get my funds when they have time to get to my case I have the transcripts to prove it yesurday I argued with them and they just repeated the same ignore my questions and telling me. To try to message them again and they will lock me out my account indefinitely after I gave them the bank information they needed and got from me so now they dont answer have all my personal information and I keep getting transactions of wierd pursschses going on my bank account since I given them the information they have my funds still and ignore my messages and state I was doing inappropriate transactions when I only have XXXX transaction the account is less then XXXX week old and they did the same to all my friends mind they all got there money taken and given same reason of doing so.
Product: Checking or savings account

On approximately XX/XX/18 both my checking account and savings account at Discover Bank, were closed and the money was " frozen ''. The checking account had no funds in it, and was a joint account with my mother, XXXX XXXX, The savings account was in my name only, and ends in XXXX. I was told that they suspected some kind of fraud on the account and that they would be doing an investigation. They could not tell me when I would be getting my money back. There was approximately {$4300.00} in the savings account. My mother, XXXX XXXX spoke with : " XXXX '' in the Fraud Department at Discover Bank, and " XXXX '' an " investigator at the corporate office in Delaware. XXXX said that she would be conducting an investigation. She told me to send her information about where the money came from. I send her a document that showed that XXXX had transferred money into the savings account since XX/XX/2018, on a regular basis, and I sent her a letter from the Social Security Administration showing that I had received Social Security XXXX Payments into those accounts at Discover, for nearly a year. My understanding is that social security payments are not allowed to be frozen, except by the federal government.Despite telling " XXXX '' this, no movement was made to release any of the {$4300.00}. I was told that I would hear from her within 30 days, as to the disposition of the {$4300.00}. I have not heard from her as of yet, nor have I heard from anyone else at Discover Bank. I need this money in order to pay for my college tuition. I am attending XXXX CT State University presently. I am a freshman, and need this money in order to continue attending the University. I just want my money back, all {$4300.00} of it, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING Acct : ( XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ) To Whom It May Concern : This letter is being sent to you in response to your recent communication. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Wyoming and Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by  purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. 
I require compliance with the terms and conditions of this letter or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. see See Wantz v. Experian Info. Solutions, 386 F.3d 829, 834 ( 7th Cir.2004 ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Pennsylvania Attorney Generals Office advised me to contact you to file this complaint. 

I am trying to help my son with a credit score issue. He was recently denied a vehicle loan and a mortgage because after having loans since XXXX and having a credit score in the XXXX, the three big credit scoring agencies are listing him as unscoreable. After weeks of trying to get through to a live person at Experian, he was told he is listed as unscoreable since he hasn't had an active loan ( or credit card- which he has never had and refuses to get ). We both know multiple people with no active loans or credit cards who still have a credit score. He was told he needs to open a credit card or take out a loan. The problem is, he can't get a loan without a credit score and he can't get a credit score without a loan. Can you please tell us how we can get this matter resolved? We are at a loss at how to proceed. It doesn't seem fair that all of a sudden, after all his previous loans are shown on his credit reports and " paid on time, no issues, closed '', in XXXX of XXXX his credit score was XXXX and in XXXX of XXXX it was XXXX and now, he is unscoreable. If these loans stay on his credit report for years, why is he listed as unscoreable? All these credit reporting agencies need to do is look at his report. To not have any score at all, out of the clear blue sky and without any warning at all is causing him nothing but problems. Please help!
Product: Mortgage

Loancare, an entity of XXXX XXXX, an entity of XXXX XXXX all of whom are predatory lenders. 

Closed on mortgage XX/XX/2020. 

Received escrow check without interest payment, violation of R.I. General Laws 19-9-2. 

Never filed a satisfaction of mortgage with recorder of deeds in XXXX, RI.
Product: Checking or savings account

I recently received a cashiers check from Discover and because of prior issues with bank errors and XXXX of my errors its hard for me to cash the cashiers check. I need the cashiers check which was already cleared to pulled back from XXXX XXXX they told me this would be the fastest way for me to get access to the funds. So I know this is not an easy task but I have been waiting over XXXX XXXX for these funds and I am on the verge of getting evicted. I would like to know if another form of payment like XXXX or wire transfer is possible since I have a hard time cashing the check since there are no physical discover banks available to me.
Product: Credit reporting or other personal consumer reports

I received an alert that my credit report was updated. I checked Experian ( my XXXX report is fine and accurate ) and an account that I never had is now on my report re : a past due collection from earlier this year. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  don't have any accounts open XXXX XXXX XXXX apart from my credit cards. I disputed this with Experian but the fraudulent account wasn't removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is number of unauthorized credit inquiries made by companies listed below. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was authorized without my consent and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made an unauthorized credit inquiry so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I XXXX verify its validity. 


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  : XX/XX/XXXX If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. 

Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX 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 XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Cash App Customer Support/Legal Department Subject : Request for Settlement Agreement Dear [ Cash App Support/To Whom It May Concern ], I am writing to address [ briefly explain the issue, e.g., " a dispute regarding an unauthorized transaction, '' or " a refund issue '' ]. After reviewing the situation and consulting the provided terms of service, I believe it is in both parties ' best interests to reach a settlement agreement to resolve this matter promptly.

The issue concerns [ details of the transaction : date, amount, transaction ID, etc. ]. I propose the following resolution State your proposal clearly, e.g., " A refund oXXXX XXXX XXXXXXXX I am committed to resolving this matter amicably and promptly. I kindly request a response within [ reasonable timeframe, e.g., " XXXX business days '' ] to avoid escalating this issue further. If additional documentation or clarification is required, please do not hesitate to contact me directly at XXXX XXXX Thank you for your time and attention. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies from this credit agency as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account number # XXXX are violation of several laws. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Since this credit agency has stated they have verified that these late payments are validate this means they have the certified mail green label receipts to show the company XXXX XXXX XXXX has followed the law of 15 U.S. Code 1666b - Timing of payments in order to report late payments on my credit report without this proof from the credit agency and reporting creditor these late payments are fraudulent and against the law to be on my report. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 
As well as the following Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my notice of liability and intent to sue. 
Since XXXX  and involuntary servitude is illegal and unlawful I would have to give you written consent to cause injury to me. This is XXXX XXXX by way of debt XXXX! You have imposed a tax on me without my written consent! Article 1 Section 8 clause 1 only CONGRESS can impose a tax! By the business charter of Wisconsin chapter 180 you are not Congress you are a corporate entity! 
Contract law states there has to be a meeting of the minds, consideration and value given! PROVE written Consent! This is damaging my life and keep me in complete debt bondage. By way of involuntary servitude! I have not given this company written consent! 
Remove this account immediately! You have 15 days and this is a good faith attempt rectify this unlawful act. I am a private citizen! Remove 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 
-Debt bondage is focused on XXXX XXXX crimes in which the XXXX primary means of coercion is debt manipulation.
Product: Debt collection

Dear CFPB, In XX/XX/2010, I received a supplemental loan modification document from XXXX dated XX/XX/2010. XXXX has since went out of business leaving my loan in the hands of Specialized Loan Servicing. I have tried tirelessly on numerous occasions to resolve this matter with SLS. I have spoken with SLS Senior Counsel, XXXX XXXX who has treated me both unfair and in a very discriminatory manner. XXXX XXXX has belittled me and have hung up on me whenever I try to understand WHY SLS is not honoring the Supplemental Modification Document from XXXX. SLS continuous demand for collection of the incorrect amount is forcing me into a financial crisis. Please see the Supplemental Modification Document attached. Thank you
Product: Mortgage

Chase Home Mortgage is servicing my home loan and I would appreciate if you could reach out to them on my behalf and stop the sale of my home scheduled for XX/XX/2018. They have NEVER provided me with any sort of assistance on my mortgage, although I have tried to work with them for years. Due to an ugly separation, loss of income from my business, and other unexpected expenses, I fell behind on my mortgage seven years ago. I contacted Chase for assistance, but got the runaround and told that I did not have sufficient income. However, they are wrong as my business income has improved, my wife is working and she just started a new business. I tried as late as a month ago to get Chase to work with me, but they said it was too late to submit a modification package. I was told by a lady at Chase that there wasnt anything that will keep my home from selling in a foreclosure, but I feel there must be something they could have done and still can do. I have never had a modification, forbearance or any other type of assistance and really need your help to save my home. I wish the lady I spoke with this last time actually took her time and would have seen that I am qualified for assistance through a loan modification. I feel that she did not do her job and I could already be on the way to getting a modification, if I could have been allowed to submit my information. This I believe is wrong and I would like for you to look into what they are doing with my loan. This loan should have already been modified.