23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 U.S.C 1681 Section 602 A. States any consumer has the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without prior consumer 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, XXXX  Account # XXXX and XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX  Account # 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 an account without my written instructions.
Product: Credit card or prepaid card

When I signed up for a secured card with Discover they offered a return of deposit via check or ACH. Over the last year I have checked online and with several reps that they payment would be returned via ACH and they have all confirmed that. Tonight I was told that check in the mail is the only way. 
I dont know how they can give the option of direct deposit, collect my banking information to make that deposit and then not fulfill that. 
This company is lying to consumers about credit cards and how we can get our money back and collecting sensitive information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy Filing CASE # XXXX CASE # XXXX CASE # XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit card or prepaid card

I carry a {$0.00} balance on my cards. Tried to make purchase ( {$5200.00} ) that was {$260.00} dollars above my citi XXXX  credit line ( XXXX ) and the payment was declined two days later. Their app does not have a high value payment process so I called Citi. The agent I spoke to would not allow my transaction to go through even though I said I would pay XXXX off immediately to bring within my limit. 

I asked for a temp line increase and she refused saying can only due a full credit reviewm which when undertaken was declined. She then asked if I could split the payment between cards. My limits with other issuers are much higher so i might aswell just use my XXXX or XXXX. 

Dont understand why Citi 's response is basically dont use our card and use another issuer - dont they want me to use their products?
Product: Money transfer, virtual currency, or money service

On XX/XX/2022. I purchased 2 money orders from pls check cashiers. Address is ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The money orders number are XXXX and XXXX. Totals are {$2000.00}. They got stole after a week in the mail. I followed the procedure and got all the paperwork done. In the first year. I kept contact the pls as the store told me to. Meanwhile. I also went to the store to follow up couple times. The pls kept told to wait. Until about half year ago. The pls told me. The store didnt submit the affidavit on time. But store said they did twice which I was there when store did that. Now the pls said my case is closed. I need to contact the store. But the store also said the same thing to me. Told me to contact the pls. So now what? Who can help me with this issue?
Product: Vehicle loan or lease

I have called XXXX XXXX XXXX and I have notified them that they were included in my Bankruptcy and they are still reporting on my credit report I have tried several times to talk with someone to resolve this issue and I have no luck
Product: Debt collection

Harris/Harris calls everyday no clue who they are or what they want
Product: Mortgage

Mr. Cooper has withheld information that allows me to sell my property. They have demonstrated predatory practices and should be held accountable to the fullest extent of the law. On XX/XX/21, I requested a loan payoff to proceed with closing on that day. I was told Mr. Cooper recently acquired my loan, and they have no information for a least a week. I called for weeks, after several calls ; it was over a month before Mr. Cooper provided a payoff in midXXXX. 

I request full reimbursement for the daily interest accrued and any fees associated with the delay caused by Mr.Cooper. This company and its representatives have intentionally delayed providing the requested documents. This practice is unfair. They need to be held responsible for the unnecessary cost and stress they inflict on consumers.
Product: Money transfer, virtual currency, or money service

After opening an account with Binance about 2 months before making this complaint, I made a deposit with my debit card on XX/XX/XXXX. I was unable to use the funds deposited into their Mobil app from XX/XX/XXXX to present day. I have sent four support inquiries that have not been substantively answered. Rather, Binance both restricted my trading after receiving verified funds and blocked my ability to withdraw the funds. ( My attempts to withdraw started I received a message withdrawal suspended due to fraud risk. ) Between Binances fees, pennies they make on millisecond trade delays across ALL accounts ; and freezing small investor funds, this company has created the blueprint to making money off the backs of less savvy customers. This can not go unchecked. In my last email to them I advised that I intend to bring a federal action. I have forwarded this information to the appropriate persons in the Senate and ask the CFPB to either monitor the activities of this organization pending Congressional inquiry or discuss with myself and other law students our being fleeced and bring a CFPB investigaton. There are too many millennials trading on Binance for CFPB to not act.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX sent a physical paper mailer to an address of my employer, which is not an address I have ever used or entered anywhere, so this indicates they are crawling the internet and collecting incorrect, private information. The mailer they sent out promises " FREE STOCK '' and other dubious claims, which indicate this is very likely a ponzi scheme scam.
Product: Credit reporting or other personal consumer reports

I am so sick and tired of my credit score dropping for no reason. I pay my credit cards in full every month every card I have are on auto payment. XXXX and Trans union are the XXXX biggest offender of this problem.This same thing happened to me a few months ago and after contacting Consumer Financial Protection Bureau the problem was solved in days.Now that I am going to pick up a brand new XXXXXXXX XXXX XXXX truck that I ordered and with my score dropping for no reason I will be forced into a higher percentage on my loan.This is total XXXX I am a fanatic on keeping my credit score in tip top shape.
Product: Checking or savings account

Today XX/XX/year>, Chime Bank closed my account. I called them to try to resolve the issue. However they said the account has been closed and can't be reopened. I have {$400.00} dollars in my account. I asked them about my money and they said they are not giving it to me.
Product: Credit card

I'm trying to cancel my XXXX XXXX credit card. I've been attempting to contact them using the number on the back of the card, phone number on statement and numbers on XXXX. I've also sent a certified letter which now two weeks in, still haven't received a response. In XXXX they will charge me an annual fee which I don't want to pay as I haven't even used the card in 2 years. I want this card canceled immediately. They make it impossible to contact them.
Product: Debt collection

I recently reviewed my credit reports and I have found several accounts from this debt collector that they say belong to me. Under the Fair Credit Reporting Act, 15 U.S.C & 1681g I have the right to demand that documents be disclosed to me verifying accurate information with my signatures. I am also allowed under the XXXX law to protect my privacy and medical records from third parties.. I have sent numerous requests to delete this misinformation from my credit reports and no response from this company ... I would really like this resolved and all misinformation deleted from my credit profiles please
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a complaint through CFPB to resolve the dispute. XXXX XXXX XXXX Account XXXX XXXX. 

I received a response from the company. They stated that the account was 100 % verified to me through the mail. I found inaccurate information with this. 

Nothing can be verified to me if there's in correction misspelled to my government name. I have the confirmation # for this letter ( XXXX ), company name Equifax and Credit file : XX/XX/XXXX. 

Again, I hope we can resolve this issue. This paid collection that's been on my report since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Also, update my personal information to my credit report. 
See attachment for the following : FTC Complaint form A copy of my Identity Theft Report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Checking or savings account

On Friday, XX/XX/XXXX, I received an email saying my account phone number and email had been changed. I tried to log in and find that my PIN, username, and password were not working. I called customer service and asked for help. My phone password had been changed, as had the password hint, and I was unable to do anything to my account to fix it. They even changed the vehicle associated with my account. 

I submitted my ID and phone number for their account recovery process, which promised a can back within 1-3 business days. I never received that call. 

I can't get through to anyone because the info I need to verify myself has been compromised. No one will call me back or take me seriously. Every cent I have in the world is at USAA, and no one seems to care. 

I need someone with the power to fix this to contact me. I've filed a police report and a report with the FBI, but nothing has come of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED TO AUTHORIZE ANYTHING. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this it not mine inreporte to the police ..please removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from XXXX and XXXX. Please see below the list of accounts that are reporting derogatory on XXXX and XXXX. 

1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts ( XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX.Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did Not Authorize any off These Accounts. this is fraud I'm a victim of Identity Theft. I'm a Student. I never use my credit or have I given any one Consent to open any account on my behalf
Product: Mortgage

Originally in XX/XX/XXXX I requested a loan modification I mailed documents and they claimed they never received them. Again, I resent documents and on XX/XX/XXXX I received a letter approving us for a loan modification. On XX/XX/XXXX, my loan modification documents came saying my new payments for the loan modification would be {$4000.00}, which was a significant increase from my original/current payments of {$3600.00} that we were already struggling to make due to our financial hardship in our business. I immediately called Selene Finance LP to see how could a financial hardship loan modification increase my mortgage I thought my payments were supposed to decrease. They said that was what I was approved for and basically I can accept or not.
Product: Money transfer, virtual currency, or money service

Order # XXXX FedEx # XXXX I placed an order on the XXXX  website XX/XX/XXXX. The expected delivery after shipment was XX/XX/XXXX. I placed the order using Afterpay who paid XXXX  in full then charges me weekly installments. As of XX/XX/XXXX the package was, and remains, in XXXX. XXXX doesnt know where it is. Afterpay is still charging me. I stopped the payments which affect my future purchase power. Afterpay stated XXXX  needs to refund and inform. I called XXXX  XXXX, XXXX, XXXX and XX/XX/XXXX and was told the refund was sent I called XX/XX/XXXX and was told by XXXX  they cant do anything. This is messing up my " purchase power '' with AfterPay and messing with my credit because I am not paying for what I did not receive and altho both afterpay and XXXX know I do not have it, they keep trying to take payments from me.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX  for failing to provide me with a 1099-C form for a debt that was forgiven in excess of prescribed guidelines. This is a violation of IRS regulations. I request that the CFPB investigate this matter and take appropriate action to ensure that I am not unfairly penalized for XXXX XXXX failure to provide me with the necessary tax form by invalid negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX and XXXX  XXXX  Account # XXXX have all 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 Section2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Mortgage

Carrington is falsely claiming that there is a promissory note attached to my loan # XXXX. At Exhibit A I have circled in red where it says, " Deferred balance {$16000.00} ''. {$16000.00} is the amount Carrington falsely claims I owe it via a promissory note. There is no mention of a promissory note in my Deed of Trust for my loan # XXXX. 

A while back Carrington told me in a letter I needed to sign some papers having to do with my loan # XXXX. I told Carrington I would not sign the papers. Carrington then told me that if I did not sign the papers, it would foreclose on me. 

Exhibit B is a letter dated XX/XX/2022. This is the letter I am talking about. By signing the paper I would have acknowledged that I had a {$16000.00} promissory note attached to my loan # XXXX. On XX/XX/2022 Carrington foreclosed on me without legal reason. I had to pay over {$6000.00} to get my foreclosure rescinded. Exhibit C is a copy of my recission order dated XX/XX/2022. Throughout all the above, Carrington has not yet showed me a legally signed {$16000.00} promissory note I have with it concerning my loan # XXXX.
Product: Payday loan, title loan, or personal loan

Complaint Description : Auto loan number XXXX paid in full and over payment check issued XX/XX/XXXX. Company " lost '' title and refuses to send payoff letter w/ notary. Auto loan number XXXX paid in full and over payment check issued XX/XX/XXXX. Company " lost '' title and refuses to send payoff letter w/ notary. Company listed on NJ title as lien holder for XXXX XXXX vin number XXXX. LightStream payoff letter dated XX/XX/XXXX sent to me via email. NJ DMV will not honor payoff letter without notary stamp from LightStream. Car has been sold and paid off by dealer. I am unable to obtain a replacement title from NJ DMV without payoff letter notarized. LightStream contacted multiple times for this issue and they refuse to honor their contractual obligation. My attorney XXXX XXXX XXXX has also contacted LightStream on this issue. Aside from misleading sales and customer service practices they fail to honor their lending obligations. I have mailed them multiple correspondence letters and have copied CEO XXXX XXXX as well as customer service representative XXXX XXXX.
Product: Mortgage

I applied for a HAMP loan modification with the help of folks at the NeighborWorks HomeOwnership Center of Central MA. The papers were all submitted 14 days prior to a scheduled auction. SLS is refusing to review my application, and insists on moving forward with the application. It was my understanding that as a HAMP servicer, SLS needed the paperwork 7 days before an auction. Our situation has improved, we have solid income, my counselor tells me that the math works, I just need SLS to review my application.