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

XXXX XXXX XXXX XXXX. 
Subject : Credit Report Inaccuracies Date : XX/XX/2022 TO : XXXX From : XXXX XXXX XXXX Comments : I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed. 
A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. 


XXXX XXXX XXXX Dear Credit Reporting Agency, I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from Identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681C-2 ), PLEASE BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this Section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.

I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 
Sincerely, XXXX XXXX XXXX Enclosures : List of Fraudulent Accounts on my Report FCRA Sections 605,609,6011 Proof of Identity and Address XXXX XXXX XXXX To Whom It May Concern : I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below : INQUIRES : Prepared For XXXX XXXX XXXX Date generated : XX/XX/2022 XXXX
Product: Debt collection

This lady XXXX XXXX keeps calling me. She has the wrong name and says she's with Benjamin Chase and associates a debt collection agency. I owe absolutely no debt. This is probably a scam. I would like this company to stop calling me. I can't block them because they use a private number. Please help thank you
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( LIGHTSTREAM ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( LIGHTSTREAM ) of any sort.

In regards to The company ( LIGHTSTREAM ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( LIGHTSTREAM ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used a service call JPay to send my brother, an XXXX  in a XXXX XXXX {$97.00}. I decided to use this service because I had previously used it in the past to send a XXXX  XXXX money which was successful. While on their website I had seen where they started " You can now send money to you loved ones in XXXX XXXX. '' So I continued, I put in his ID number in which it pulled him up so I continued on with the transaction, in which it stated it was successfully sent. 

I got a call on XX/XX/XXXX from my brother saying he never received the money and that I should try to call them. So my first attempt at settling this issue was on XX/XX/2019 a lady i had spoke with told me to call the XXXX  that sometimes they will hold the money. So I called the XXXX  and spoke to a Male who proceeded to tell me that he has never heard of JPay and they only use XXXX XXXX or XXXX XXXX to receive money. 

I called JPay back the same day and told them what the XXXX  said to me, the lady at JPay put me on hold for what seemed like a very long time then she came back and told me that she knows what happened, that it had something to do with his ID number on their end and that she was going to put in a ticket and I would hear back from a manager by XX/XX/2019. XX/XX/XXXX came around I had not received a call back so I called them again. This time I asked to speak directly to a manager in which they never produced a manager. I was told they could not find their manager at the moment. They put in another ticket for me to be called back. I called 2 more times on XX/XX/XXXX after I still had not received a call back from anyone regarding this matter. This time I was frustrated and I demanded to speak with a manager, the lady put me on hold, in which I assumed she was connecting me to a manager. When she came back on she told me that it will take 5-7 days for a ticket to go through. I waited until XX/XX/2019 to call them back. This time I was angry I wanted to speak with to a manager. I wanted my money back. This time I was treated very rudely and hung up on. I never got to speak to a manager and this issue has not been resolved. My brother never received thse money and my account has not been credited back the funds.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit file. As a victim of a data breach, these entries are fraudulent and unauthorized. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have these items removed. 
Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
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 address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did 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 of funds.
Product: Student loan

I was student at the XXXX XXXX XXXX. The school was closed for fraud by the FBI and I am under the term and conditions to remove my loans from the mentioned school. 
Currently I'm living in XXXX, Florida and I can continue my education because is not recognized by the college I'm trying to attend. The College name is XXXX XXXX XXXX and the new student personnel they explain me they can not accept any credit from the mentioned college and the only solution is start over again. 

I owe more than US18,000.00 in student loan and I'm frustrated because I have not graduate, I can't continue my education for the issue explained above. 

I hope you can bring me light to my case. 

Thank you
Product: Credit reporting

I submitted my identity theft FTC affidavit along with dispute letters stating the Section 605 of the FCRA. TransUnion sent me this letter stating they ca n't do anything right now. They are required to comply with my Identity theft block within a week when a police report is submitted in addition to the identity theft block dispute letters notarized. I 've been a victim, and they are choosing not to do their job per the FCRA. I 've attached a photo of the letter they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX and myself! Please send the proper validation
Product: Mortgage

In early XX/XX/2020, I began to work with XXXX XXXX from XXXX XXXX. 

I was suspicious that XXXX was charging me more than he'd stated during our phone conversations. 

When I went to the closing at XXXX XXXX XXXX here in XXXX, I noted several inaccuracies on the form. When I called XXXX he suggested that I just sign the paperwork ... '' those things don't matter '' ... .. '' that's not the real cost ''. 

I opted NOT to sign the paperwork. XXXX subsequently stated that he fixed the errors and sent a closing agent to my home at 2200hrs that night ... MUCH to My CHAGRIN!

I signed the closing paperwork under duress ... knowing that I had a 3 d right of refusal/the closing agent. 

The next morning I did due diligence and both faxed and emailed the right of cancellation to XXXX XXXX and Fairway. They chose to ignore my right of cancellation. 

PC to Mr. XXXX : " What do you think this is going to do to us XXXX? '' What do Want XXXX ... .Do you need attention XXXX , Is that what you want XXXX Attention ? ". At that point, I told XXXX that no one had the right to speak to me that way and I hung up the phone. 

XXXX XXXX has contacted me several times and attempted to " bully '' me into agreeing to stay with Fairway ... .I simply said NO ... what you've done is ILLEGAL. 

Fairway has continued to send me mortgage bills ... despite not having a legal document stating that I owe them anything. 

They have adversely affected my credit rating. XXXX has told me that I can't obtain another mortgage company for 9 months because they funded my mortgage ... .Illegally. 

Mortgage rates are in the mid 2 's currently. I refuse to stay with a company that's this corrupt. 

I would like to respectfully request that my entire mortgage be forgiven. Fairway is CORRUPT. They acknowledge that they've broken a Federal Law.

Thank You for your time and for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint concerning Inquiries that are reporting on my account. I have contacted XXXX, XXXX and Equifax about unauthorized Inquires. My rights are being violated and I am being ignored, after several attempts trying to solve this issue. According to code : 15 U.S. Code 1666- Correction of billing area, the Bureaus above are breaking the law. 

I have not received any Verification showing I authorized accounts. Sending me letters saying verified does not verify that the accounts are legally and lawfully reporting. Pleae delete all inquiries that are not authorized.
Product: Mortgage

I have a VA Loan Mortgage with Land Home Financial. On XX/XX/2022 both Land Home Financial and myself received notification of my request for property tax exemption based on my 100 % XXXX from the military. It stated that I would receive 100 % exemption by the City and County of XXXX. I sent copies of that letter to Land Home Financial on XX/XX/2022 along with the property assessment paperwork. On XX/XX/2022, I received from Land Home Financial Tax Division, Escrow Department a letter stating all/adjustments have been completed. Since I didnt receive any adjustment to my mortgage payment, I called Land Home Financial several times , speaking with XXXX XXXX XXXX XXXX a supervisor ), and XXXX from Customer Service XXXX who all asked me to resend all the paperwork regarding my tax exemption. The last time I sent paperwork was XX/XX/2022. At that time I was informed a change would be made within XXXX ( XXXX ) days and I would receive written notification within XXXX ( XXXX ) days. On XX/XX/2022 I received online an Annual Escrow Account Disclosure Statement and Change of Payment Notice. It reflects an increase of property tax payments instead of a decrease as assessed by the City and County of XXXX Property Tax Office. Also received on XX/XX/2022 was a check from the City and County of XXXX a refund check for the Real Property Tax that was paid after the change in exemption status. Now, I dont get any response from Land Home Financial and I am not allowed to speak with anyone outside of Customer Service because their Escrow Department Tax Division does not take calls.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't and never ever sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX, XXXX Act Name : FXXXX XXXX XXXX  XXXX Act Name : XXXX XXXXXXXX, XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

It 's actually XXXX of the above. This number calls me 3 times a day, one of the calls coming between XXXX to XXXX, and I 've had to resort to using a call blocker app to not have my phone go off during class.
Product: Vehicle loan or lease

To whom it may concern 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 ar open end consumer credit plan as late for o 47.4K purpose.

532
Product: Credit reporting or other personal consumer reports

CFPB, Never lived at this address. Address circled in red needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Account Number : XXXX I have never been late with any payments for this account. Therefore, I request that you remove this inaccurate data from my credit file immediately as per the FCRA. 

XXXX XXXX XXXX Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXX XXXX Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXX Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Since the other credit bureaus were unable to verify this account, I request that you delete this inaccurate account from my credit report as per the FCRA XXXX 

XXXXXXXX XXXX XXXX Account Number : XXXX Since the other credit bureaus were unable to verify this account, I request that you delete this inaccurate account from my credit report as per the FCRA XXXX 

XXXX XXXX Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXX Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX - This address belongs to someone else. Please delete it from my report immediately in compliance with the FCRA. 

The following personal information is incorrect Account Number : XXXX XXXX  XXXX XXXX XXXX XXXX AV XXXX XXXX, NY- This is not my employer. Please delete it immediately from my report in compliance with the FCRA. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX- This is not my employer. Please delete it immediately from my report in compliance with the FCRA. 

I request that you conduct an investigation into these items as per the FCRA and respond to me within 30 days with the results of the investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 XXXX unauthorized ACH transactions were made on my East West Bank account to XXXX XXXX XXXX XXXX XXXX XXXX XXXXunt via direct bill pay. Amount were XXXX, XXXX, XXXX, XXXX. 

XXXX XXXX  Claim number is XXXX. 
Account name : XXXX XXXX SD XXXX XXXX This case is related to CFPB complaint XXXX, which is filing for XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ans equifax Are reporting my XXXX $ XXXX, 2010 credit Card as closed. The account is still Open. This lowered My score due to incorrect reporting. I need this corrected and reflecting as OPEN as soon as possible, I am in the mortgage process.
Product: Debt collection

i have no health insurance i was sick i went to XXXX XXXX hopsital XXXX il in XXXX FOR 2 HOURS AFTER 2 HOURS I WAS RELASED FROM XXXX XXXX HOSPITAL XXXX ROOM, THEY SENT ME BILL FOR {$1500.00} I PAID {$500.00} NOW THEY ARE ASKING MORE SENT TO COLLECTION AGENCY TO DESTROY MY LIFE I NEED LEGAL ACTION