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

Dear XXXX XXXX, I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. 
Account Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer. 
Accounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the XXXX XXXX XXXX XXXX ( XXXX ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws. 
The fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers. 
Unconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the XXXX XXXX to the United States XXXX. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the XXXX XXXX to the United States XXXX. 
XXXX of XXXX and XXXX of Rights The actions of your organization and its agents have been carried out under the XXXX of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL Credit Inquiries with XXXX XXXX need to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I telephoned Equifax to lift a freeze on my account in order to have my new mortgage company obtain my credit information in order to refinance my mortgage. The detailed process took at least 39 minutes and I was assured the freeze was in place until XX/XX/2020 and given a confirmation number. 
My mortgage company was unable to get my information from Equifax and I tried several times on XX/XX/XXXX to get someone to confirm my account was no longer frozen. 
I was on the phone with them for hours and ultimately they were unable to help me even by using my previous confirmation number. 
Many times I called and was told their systems were down. 
Given their recent data breach, they are obviously being extra careful but from what I see on line, their inefficiency is making it impossible for people to conduct business. 
Both XXXX  and XXXX  were easy and efficient and lifted my freeze immediately. 
Because of the mess at this company, I may not be able to get my mortgage refinanced as they demand reports from all 3 companies.

Please consider putting Equifax out of business and finding another company. that can provide efficient and trust-worthy information.
Product: Money transfer, virtual currency, or money service

I was sending a transaction payment for {$63.00} via PayPal at XXXX XXXX on XXXX XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm looking to have XXXX XXXX  CREDIT CARD remove any disputed information from my credit report. I am no longer disputing this account ( it still shows the account is in dispute ). Can this company please remove this language from my credit reports? I've asked them time and time to remove them, but to no avail.
Product: Credit card

XXXX On XX/XX/XXXX at XXXX PM i messaged XXXX on secure message portal per there request. 
In regard to my Kohl 's credit card account, I informed Kohl 's I was concerns. An associate and I spoke on the phone on XX/XX/XXXX at approximately XXXX pm, and the call ended at XXXX pm. It was difficult for me to understand your associate in order to resolve this complex issue. Sometimes I was unable to understand what was being said and the conversation had to be repeated over and over again. As a result, I requested a meeting with senior management. Unfortunately, senior management was not available, so I requested an email attachment with the billing statements. I requested a breakdown analysis of my account. The telephone support provided was not sufficient to resolve this issue. 

I sent a message stating that they increased interest and fees in the last quarter of the year specifically XXXX and XXXX. XXXX took that message out. Furthermore, on XX/XX/XXXX - XXXX PM in XXXX secure message portal I questioned whether my rewards had been applied to all my purchases since my balance did not appear to be accurate, and this constitutes a form of price gouging on late fees. Kohl 's mailed me my billing statement but did not explain the increase in fees. Furthermore, Kohl 's billing statements do not include an explanation of the XXXX late payment charge on the back of the statement. There needs to be an adjustment made to these late fees. In XXXX and XXXX, it was {$29.00}, and due to the holidays, it went up to {$40.00}. 
Furthermore, on XX/XX/XXXX I sent another message in secure message portal stating the Kohl credit card late fee and interest rate increases continue to concern me. Late fees and interest rates are not explained in detail on the back of my credit card statements and does not state that the late fees are commutated and based on a system. In addition, the Kohl credit card statement does not indicate that late fees and interest rates may increase if the system detects late payments in the previous six billing cycles. It is unclear and does not provide enough detail for cardholders to understand the consequences. Additionally, it is unclear how the system is able to detect late payments in the past six billing cycles. If possible, I would like management to contact me regarding my concerns and what I have requested. Thank you for taking the time to read this.
Product: Credit reporting or other personal consumer reports

The fair credit reporting act 15 USC 1681 section 602 a says there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and I respect the consumers right to privacy. I have the right to make sure my private information isnt shared which is proven in 15 USC 6801 which states, '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentialities of those consumers non-public personal information. ( furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subjection ( c ), any consumer reporting agency may furnish a consumer report on the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and consumer reporting agencies XXXX and XXXX do NOT have my consent to furnish this information and they surely do NOT have my written consent. Any and all consent to XXXX, XXXX, ( furnisher of information to credit agencies ) be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( a ) ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third-party unless-the consumer is explained how the consumer can exercise that nondisclosure option. ( furnisher of information to credit agencies ) hes never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 16 81C ( a ) ( b ) except as authorized under ( b ), 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 with auntie dates to report by more than seven years. These accounts were an adverse items they are reporting again without my permission which is against the law 15 USC 1681 s2 ( A ) ( 1 ) A 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 in accurate. 15 US code 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title in to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR code 1016.7 says A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. ''
Product: Payday loan, title loan, personal loan, or advance loan

One Main offers loans to desperate people at ruinous rates as high as 30 percent and then tries to entice people to borrow ever more money as their balance slowly creeps down. 

I had to refinance due to XXXX and want out of this business arrangement - I want to make principal-only payments in addition to my monthly payments. My monthly payments are {$120.00} and I want to pay {$150.00}, shortening my remaining term to three years with an early payoff. They make it very difficult to do this.

The company drafts my payment automatically at the same time each month. They refuse to schedule the same payment with principal-only payments. They require you to call in each and every month, wait on hold, and then make the payment over the phone only. Or, they say you can send a check, which requires ordering checks, getting stamps, mailing it, waiting a week to see if they got it, waiting another week for it to post if it didn't get lost - so every month, they get half a month 's interest while my interest-only payment meanders its way to them. 

I spoke with them today, and they refused to schedule these principal-only payments for the future as they do with my monthly auto-pay. They refused to let me schedule them myself online. 

This is a scam and they should offer the same capability to pay off the loan early that they do to simply pay it.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Inaccurate Collection and Charge Off Accounts : 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: Credit card or prepaid card

Netspend is not posting my Car Payments online when I make the payment and it is not reflecting in my balance.
Product: Mortgage

On XX/XX/XXXX a lockdown was declared in Puerto Rico due to the COVID-19 Pandemic by PR Commonwealth Governor, XXXX. XXXX XXXX XXXX. Among the governor Executive Order 2020-23 provisions to help citizens deal with the pandemic economic impact, there was a relief remedy for banks to provide a moratorium of three ( 3 ) months mortgage payments, which could be paid once the 3rd month was reached or be moved to the end of the loan. In my case, of the three choices for moratorium that the Bank offered, I applied for the Option 3, which was to move the payment for the end of the loan. This application was sent by email to Banco Santander of Puerto Rico on XX/XX/XXXX, and as of today, XX/XX/XXXX, I haven't received yet an official response from the Bank regarding my application, either for acceptance or denial of the application. I have been under the Chapter XXXX Bankruptcy Court since XX/XX/XXXX, and all my monthly payments for the debt during year XXXX and for the first trimester of year XXXX were up to date, until the lockdown was declared effective in XXXX XXXX XX/XX/XXXX, time from which I have been out of my job due to the COVID-19. I have provided follow up emails ( XXXX, XX/XX/XXXX & XX/XX/XXXX ) and telephone calls ( XX/XX/XXXX & XX/XX/XXXX ) to the Bank in an effort to find out an official response from them regarding the moratorium request, but all what I have received from them are default email letters describing their program scope and Plan availability, but nothing regarding acceptance or denial of the application. I have been paying on a monthly timely basis the loan debt through the Chapter XXXX Trustee, but obviously, its difficult to pay in full the part belonging to the mortgage until I can return to my job, which I expect to be at some point during the month of XXXX. This situation is making me to feel anxious and desperate since its my desire to protect and continue paying my mortgage, but need some relief support towards this objective.
Product: Mortgage

I had a foreclosure in 2011 and this loan was a second on the the original mortgage that is still reporting as if it has a balance of XXXX and should have been part of the foreclosure or at least show a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed these items numerous of times, I have asked for proof of debt such a contract bearing my signature but no one can seem to furnish me with the document requested. Every time I dispute these items it comes back verified when I request debt validation everything is at a stand still. My personal information was looked up in the Florida Unemployment System back in XXXX by a State of Florida employee and I was offered XXXX XXXX by the State of Florida to protect my identity for one year which ended in XXXX. After my XXXX XXXX ended, unknown accounts were open in my name. I now have alerts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

The company named Current fraudulantly opened a credit card in my name on or about XX/XX/XXXX without checking the credit bureau and I was notified by my identity monitoring service named XXXX XXXX on XX/XX/XXXX by email where I immediately utilized XXXX XXXX to contact the company named Current to close that fraudulent account. I also notified the XXXX Police Department and FTC about the theft. The company named XXXX responded that they did not need to check the credit bureau before opening that fraudulent credit card account. The problem with that is that I have a security alert and credit freeze on all my credit bureau accounts. The fraudulent account is located on Transunion. The company named XXXX spoke with XXXX XXXX and me and confirmed that they would close the account. They also emailed that they would close the account and that they did not have to contact the credit bureau to open a credit card account in my name. If they did check my credit reports they would see the security alert to contact my cell and not issue any credit card. That did not happen and this fraud was executed against my identity wrongfully. I contacted the Transunion and disputed it. It was appalling to see that Transunion wrongfully said that the fraudulent information on my credit report as reported by XXXX was accurate. I complained to Transunion on Live Chat and they said to re-dispute. What XXXX did in opening a credit card in my name without checking the credit bureau was criminal and I did report it to the XXXX Police and the FTC. XXXX said they were not required to check my credit report. THE PROBLEM WITH THIS IS THAT I HAVE A CREDIT FREEZE ON ALL THREE BUREAUS and Transunion has not honored my credit freeze and security alert. THIS WAS WRONG FOR tRANSUNION TO STATE SOMETHING ILLEGALLY OBTAINED BY THE COMPANY NAMED " Current '' t AGAINST MY NAME WAS ACCURATE. It was never accurate. It was theft of my identity to fraudulently open a credit card by unknown persons. They are wrongfully approving as accurate an account initiated in Fraud by XXXX without my approval. I am an identity theft victim and still have the 7-year credit freeze before this. It is active. Transunion knew better but decided to do wrong also. Please correct this
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

In XXXX Navy Federal raised my interest rate stating that they never received a POA form I sent in 3 times for the lein. I sent the form in a 4th time with tracing and signature confirmation and 3 weeks later was told it was still not received. I finally sent a system message with screenshots of the signature and name that signed for it on XX/XX/2022. 
I also ran into financial trohble and was approved to move 2 payments to the end of my loan before I was ever late. My XXXX and XXXX payment was to be moved and I would not have a paymenbt until XX/XX/2022. I made my payment on that date and a week later my payment exension was reversed and {$780.00} was taken from my checking account without any notice on XX/XX/2022. I called in and the payment was reversed and I was told that they are working to put the extension back on my account and remove the late fees added. 
Fast forward to today and the issue with my loan account isn't fixed and the money came out of my checking account again. 

I have called Navy Federal many times and have been told everything is being fixed but they keep taking money from my checking instead of fixing the problem. I need this resolved ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My credit report was dropped due to these 4 companies XXXX XXXX, XXXX, Sallie Mae, and XXXX. My account was on security lock monitor during the inquiries.I am very disappointed because my credit was ran without permission, XXXX XXXX was suppose to pre-approve a card to up my credit instead it was ran numerous time.All 4 company didn't suppose to check my credit.
Product: Debt collection

Debt collection Attorney XXXX XXXX XXXX XXXX, FL, claimed they were hired by Onemain Financial to collect on a defaulted unsecured loan with a balance of {$9000.00}. This Junk debt buyer provided no contract which reflected they were hired buy Onemain Financial to represent them and the copy of the contract they provided to me that I supposedly signed now suddenly has my new married name and initials, which has been clearly altered. The initials have been typed and so has my complete signature. When I signed the original contract, I went into the local branch and an XXXX was used to capture my initials and signature which was my former name. 

This junk debt buyer did not provide me with a notice to appear in court, which is how they were able to obtain a judgement against me. they have sent garnishment notices to business that I have never been employed with. I am head of household which my attorney has filed the necessary paperwork and they don't want to accept it and is now challenging it
Product: Debt collection

On XXXX XXXX, XXXX, I sent a certified letter to XXXX XXXX. XXXX, vice president/trial counsel of Fidelity National Law Group, assignee to XXXX Receivables requesting them to verify a debt that has started in XXXX, but until now I have not received anything from them. They placed lien on my property in XXXX and XXXX but failed because the SSN who owes the debt was not mine. They also tried to foreclose on my property thereafter, and that also failed. This debt was not even ever in my credit report. What should I do next? Will you please help me?
Product: Mortgage

I have been hospitalized several times and have had several XXXX. 
I need mortgage assistance with my home because I don't want to lose my home. 
I have recently request mortgage assistance several times and Chase is unwilling to to assist me. I don't want to lose my home. 
Please Help
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX {$16000.00} information amount incorrect. 
XX/XX/year> XXXX XXXX  amount is incorrect XX/XX/year> Capital one Information amount is incorrect