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

It has been a battle going through this and I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$250.00} US DEPT ED XXXX Balance Owed : {$1700.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/year> my car was broken into and my wallet was stolen which had my credit cards, debit card, cash, driver license, and social security card. The person was able to use my credit cards. I called my bank and credit company to dispute the transactions and ordered new cards. Only comenity bank did not dispute the transactions and sent the dept to collection company XXXX XXXX XXXX in the amount of {$3000.00} Ulta case number XXXX and {$2600.00} XXXX case number XXXX
Product: Debt collection

I received a collection letter from AllianceOne showing a debt in the amount of {$33.00} I am unaware of this debt and of the amount shown, I believe it's an error. 

I would like to dispute this debt.
Product: Credit reporting or other personal consumer reports

XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom it May Concern : Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX 
XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Credit Unions ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Personal Loans Cos. 

Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXXXXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification via several sources that there had been a hard inquiry on my credit report by JP Morgan Chase Bank. This was not triggered by any activity on my part. 

My biggest complaint is that when contacting this company about potential identity fraud, you are repeatedly informed that the only way anyone can help ( which they hardly do ) is if you provide your full social security number to them. 

This is a ridiculous request of someone who doesnt do business with your company and is calling only because they are concerned with potential identity fraud. There has to be a better way. 

Even after providing that, multiple times, against my better judgement over the past week and a half I have been : *Put on hold for over 30 minutes *Told I was getting transferred to someone that could help me and having the call just end/drop because that department was closed. Frustrating after spending an hour on the phone to get to that point. 
*Left a message for the first time by someone who is supposedly trying to help but the voicemail doesnt contain a name, reference number ( oh great I can provide my social again ), or even a number to call back to speak to someone in the actual department vs starting my adventure over all over again in who knows what department with someone who probably cant help me. 

Most of this I just chalk up to typical big corporation stuff, but please do something about the social security number request. That is a horrible situation to put someone in.
Product: Student loan

Hello - I called this morning for Edfinancial to get a request for my refund from the CARES act. After the process they stated they did not know when I would get my refund or when my balance will be reinstated, I find this extremely problematic as I wanted clear transparency from the company to give me a timeline that I can look forward to. I am aware that some other loan servicers have it reinstated after a week or two but I have no clear answer into when I will see this.
Product: Credit reporting, credit repair services, 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. 

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: Money transfer, virtual currency, or money service

I am filing a complaint against the company Cash App ( Block , Inc. ) due to faulty customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has failed to take timely and effective measures to address fraud on their platform, leaving my personal account vulnerable and unprotected. Furthermore, their resolution to dispute transactions is unfair and deceptive as they do not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2022 at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose. 
XXXXXXXX XXXX XXXX
Product: Debt collection

To whom it may concern I recently requested that XXXX XXXX be taken off my reports cause it wasn't mine. I did some research and found out it to be from pioneer lending. The case with consumer reporting # XXXX. Now since it was dismissed without prejudice and I am enclosing said document to prove its no longer an issue and you can not do a double jeopardy because it was dismissed. Please remove from all XXXX credit reporting agencies or I will be forced to take it up in XXXX XXXX.
Product: Mortgage

My mortgage company : Loan Care failed to pay my taxes for XX/XX/2018. I found out when I got a notice from the lien holder a month ago. I have emailed and called several times and keep getting the run around. I have paid my mortgage on time and thankfully never missed one payment.

I have an FHA loan and am forced to have an ESCROW because apparently they think new homeowner 's can't pay. But obviously the mortgage company can't even pay. And now I have all these fees built up.

DO NOT USE LOAN CARE AS YOUR MORTGAGE COMPANY!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX ) is reporting on my personal credit file with XXXX, XXXX, Experian ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Product: Student loan

This is the information sent to XXXX. I haven't gotten a reply, their links are not accurate, and when I have called I am advised to call my service provider, which is not in effect at this time. Reason : I need some help. My stress level is higher than I can manage, and my stress over my student loan situation is at the top of the list. I have companies contact me saying they are supposed to be my provider, however, then another one, and another continue to contact and I dont know which are legitimate. Additionally, the methods do not appear honest to me. I go through a lengthy phone process then I am told I have to decide immediately and sign their 15-page document. I ask for time to read the document and I am told you have to sign right now to get this offer and the person on the phone is going to read it to me as we go through. I would never sign anything without being given the opportunity to fully read and understand what I am signing. This is like working with a sleezy used-car sales team and I am not willing to do that. When you push us off on other companies we pay additional fees to them on top of the student loan payments. Then you move us to another company and we pay additional fees again. I dont know if I need legal counsel for this or if something can be worked out. I have been enrolled and re-enrolled with a new start-over date 4 times for my service student loan forgiveness plan because Im a XXXX. By now I should be almost finished with this program, and I have enough years as an XXXX XXXXXXXX XXXX XXXX XXXX that I could have gotten the additional reduction of my loans by $ 14K if this had been handled correctly. At one point I was paying one company and another company garnished my wages. This inconsistency has to stop. As it is now I am about to be 60 and will have to work to almost 70 to get my loan forgiveness and there is no more time to add the additional forgiveness even though I have been teaching for 20 years in XXXX XXXX schools. Im over the XXXX I have had to deal with because I went through XXXX for my student loans. I need help. And I need it from XXXX, not some loan servicer who has proven my loans will not be managed correctly, who will charge me additional money that does not go toward payment, and who is not demonstrating transparency. Please advise.
Product: Mortgage

On XXXX XXXX 2002, I applied for a loan and was approved for a loan with Wells Fargo Financial, but i decided to decline the loan.
Product: Mortgage

I ASK FOR A LETTER TO GIVE THE STATE OF XXXX THAT I WAS NOT ON THE LOAN AND IN RETURN FOR THE LETTER THE ESTATE WOULD PAY OF THE LOAN.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account Number : XXXX, XXXX Account Number : 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 XXXX is the XXXX collection agency XXXXXX/XX/XXXXXXXX XXXX has used to get me to pay {$180.00} in which I paid in full on XX/XX/2020. The previous XXXX collection agencies accepted my proof of payment and closed out the account. When XXXX XXXX sent me their request they sent a bogus address to me to return my information verifying I indeed had paid the amount in question. I paid {$4.00} to send my information certified mail so that not only could I be alerted that they had received it but also keep track of it traveling through the mail system. When I saw that it had been stalled in the mail system and was sent back to me I called and told a supervisor who's name is XXXX of what had happened in which she replied the address they sent out was from a previous address the company had used. I told her I shouldn't have to pay once again to mail my proof since it was her companies error in sending an address that wasn't valid but I would once again send it to them if she would send me a postage paid envelope with the correct address on it. She said she would send another corrected address envelope but couldn't guarantee it would be postage paid. I never did receive another envelope or hear from them until it showed up on my TransUnion credit report. And before ending our phone conversation I did verbally provide her the information to my bank and verification number of the transaction showing that XXXX XXXX XX/XX/XXXXXXXX XXXX did indeed receive that payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I noticed accounts from XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX were on my file. I have not extended credit to any of these places. This is identity theft. I filed a report and notified the credit bureaus and the secondary reporting agencies. From what I understand, the consumer reporting agencies and secondary agencies must remove these accounts within 4 days. It has been more than 4 business days. Also I know that no account can be put on my credit report without my written permission. I didnt give written permission. I require that these accounts be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accts listed below are in violation : 1.XXXX  XXXX XXXX  XXXX 2.XXXX XXXX XXXX  XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I DID NOT GIVE WRITTEN CONSENT AND THAT IS FRAUD Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA.
Product: Bank account or service

On XXXX XXXX 2016 a double payment has been made on my personal loan by mistake, I made a payment from my saving account to my personal loan and an ACH was processed ; I could n't afford to process both and I called the bank to requested a refund of XXXX of the XXXX payments. As a result of my request the bank processed multiple unauthorized transactions moving money back and forth from my saving account and my personal loan. After a few days I checked my online banking and a big red flag showed on the screen indicating a 41 days past due payment due of more than XXXX XXXX dollars, and this late payment was already reported to the credit agencies for no reasons. After a series of phone calls and speaking with bank employees who had no idea on what to do finally I got connected with and executive office employee who at least was able to understand the problem and seemed to be able to do something about it ; as a result I received a letter from the bank saying that they made a mistake and would communicate it to the credit agencies to clear my credit report and the case would be closed. On the XXXX of XXXX I checked my online bank and my saving account was short the amount of {$810.00}, the bank withdrew the money without giving me notice or advice and without my authorization, without explanation. After multiple phone calls and email to the same executive office employee the explanation given to me was that nobody could understand why the money was withdrawn and most important where it went. After almost a month I received a senseless letter containing information that once more does n't explain to me why they took the money, it does n't report the right information about my account and it is an insult of my intelligence personally and as a client.
Product: Mortgage

I applied to refinance my home mortgage in XXXX 2015. My bank agreed to match the refinance terms that I had received from a broker because of my being a long term banking customer. I proceeded with the loan process which included a loan subjugation from the city of XXXX XXXX and the conversion of assets to annual income. I received the Good Faith Estimate in XXXX 2015 which was as we agreed except the closing credits would be reflected once everything was finalized so that the amount would be correct. As the months passed I asked the mortgage banker about the rate lock and our original terms to make sure the rate, term and closing costs were as agreed. He assured me that the bank would uphold the terms and not to worry about the extensions. I talked with the mortgage broker XXXX XXXX about closing the XXXX. He said he would get back to me. 
On XXXX XXXX I received a revised Good Faith Estimate in the mail. It quoted {$6000.00} closing costs not the {$1500.00} quoted on the XXXX 2015 Estimate. The higher amount reflects the cost of the rate extensions which the bank newly determined to be my responsibility. The reason given was because the subjugation from the City of XXXX XXXX was not received until XXXX 2015 and since the delay was not the banks fault ... .I am responsible for the multiple rate locks. Their position ignores what I was told verbally by their mortgage broker. There were no written notifications either. If I had been aware of the cost of the rate extensions, I may have made different choices about pursuing the subjugation. 
I have been lied to and am in a position with few alternatives. The loan process that I believed was closing in a week is not as was presented to me. I hoping that I have some recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX. XXXX, IN Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX, XXXX XXXX, XXXX LABS, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AUTO, 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL " CRA '' REFUSE TO ADD MISSING ACCOUNTS INFORMATION TO CREDIT FILE ... .. ( 3 ) CREDIT CARD ACCOUNTS : " XXXX , XXXX XXXX AND XXXX XXXX '' ... I HAVE SENT EACH " CRA '' NOTICES AND PROOF 4X AND ALL " CRA '' FAILURE TO COMPLY.