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

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
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 account # XXXX 15 U.S.C 1681 section 602 A states that I have a right to privacy, additionally ; 15 U.S.C 1681 section 604 ( a ), ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. section 605 ( a ) ( 5 ) 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 section 623 ( 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: Mortgage

Working with Sun West Mortgage through XXXX XXXX. I have been waiting weeks for a Closing Disclosure. I 've extended the financial contingency / contract agreement several times due to slow response and to avoid losing the opportunity to purchase the home. Due to the distressed status of the property, I was required to make repairs so that the home would fall under FHA guidelines - the repairs amount to over {$1000.00}. If the loan funds are not dispersed to the seller - I risk losing my appraisal fees, repair fees and time and money spent packing up my current home. XXXX XXXX is the representative on the Sun West Mortgage side. Also, XXXX XXXX is the representative of XXXX XXXX.
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 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 account with my written instructions.

15 U.S.C 1681e ( b ) and 15 U.S. Code1681i ( 5 ) This account in violation is not reporting 100 % accurate it lists the child support court as the furnisher that is forgery and misleading when the courts do not report this type of account.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX./ XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and their Trustee Zieve , Brodnax & Steele , LLP ( ZBS ) have made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued The Reinstatement for amounts that more than what I own, eventually denied my loan modification application and continued foreclosure my property. The servicer continues to charge me late fees every month. XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX / XXXX and ZBS are not respond to the Requests for Information. I am being denied an opportunity to save my home and avoid foreclosure through the Loan Modification program. XXXX denied my loan modification is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute and be faced with foreclosure against me and I may loss of my home. I 've been submited loan modification many times and XXXX  continued to denied it, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by XXXX and ZBS. XXXX XXXX XXXX XXXX XXXX./XXXX  denied my loan modification is not based on my income or ability to pay and be faced with foreclosure judgment and I may loss of my home. Their Single point of Contact ( SPOC ) is not working or they have many 300 files so they ca n't not have time to talk to customer nicely or respectfully for all the detail the borrower ask for. Today XXXX XXXX my SPOC told my representative XXXX  that do not call him anymore and I am not a customer for service because I am in default, he complaint that my loan have late history, he can not keep talk to XXXX because he have to work on his other file. I request another SPOC because XXXX XXXX is so busy with his more than 300 files. On XX/XX/XXXX, we talk to XXXX XXXX, her extention is XXXX she told us that the Private investor is XXXX XXXX XXXX XXXX from XX/XX/XXXX. but your respond XX/XX/XXXX you indicate XXXX XXXX XXXX XXXX XXXX is the current owner of the Note. I need to know how many investor, owner of the note?? XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX can not continue give me the run around and continue lie to me. Take a look at all their fee and cost, the answer to all complaint just bla, bla, bla ... they do not answer direct questions, just throw all the number and want the borrower pay for their nonsense fee. Please breakdown for all your fee and cost, when you charge and why you charge, I need all invoices and bill and cancel checks you pay for these fee and cost. A lot of your nonsense fee need to void because you over charge and I do not have to pay for your attorney fee when I bring you to court or when I was in bankruptcy You violate the Senate Bill No. 900 in many ways. You charge a lot of fee and cost when I applied for the loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/20XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. Please update the account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is due to the equifax security breech. This company needs to be held accountable for this breech as it has the potential to ruin thousands of XXXX lives. There needs to be serious discussion about the regulation of these companies. I find it absolutely ridiculous that we the public, have to pay to freeze our credit due to the ineptitude of these companies. This service should be free of charge, even more so now that our information has been jeopardized. XXXX 's website seemed to be pushing a product, instead of informing the customer that a security freeze was in their best interest. They are preying on ingnorance and this is unacceptable. I 'm sure you will get more complaints such as this, and I hope you listen. There needs to be a change with how these companies are delt with.
Product: Mortgage

I have a single family home, that is carrying ( XXXX ) mortgages. I would like to know how to go about combining them into XXXX, I brought the home in 2006, for {$200000.00} and is still paying interested instead of paying on the principal. I did loan modification XXXX, but that did not help me, if anything it hurt me instead. Because the principal went up. However, my question to you, is there anything a person like me can do to get my mortgages in XXXX. Also the house only value {$180.00} the last time I checked.please can someone look into this please.
Product: Credit card or prepaid card

I opened this account in 2017. I have only been late with payment once in all that time ; I had payments set up to be automatically withdrawn from my checking account. On XX/XX/XXXX {$270.00} was withdrawn from my checking account. XXXX has posted the payment but is not allowing me to use the available line of credit stating, " We are waiting 10 business days to be certain the payment clears. '' They state this is a " random '' audit. Now I can't use the card to pay bills automatically. The minimum amount due was {$35.00}. I have since changed automatic withdrawal and removed my banking information from the account as this is an unfair practice. I can't pay the bills I intended to use the card for and the money is no longer in my bank account either.
Product: Vehicle loan or lease

I read there is a class action lawsuit against wells Fargo for auto loans in 2011. I had a loan and never recieved anything I do believe it is because I moved. How can I find out if I'm eligible for this.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : 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 XXXXXX/XX/XXXX
Product: Debt collection

Please accept this letter as notice that you are in violation of breach of contract, negligence, Billing Error, negligence, false reporting, selling the contract. verifying account without providing account level documentation. Hidden fees, Deceptive cancellation, Location Data Selling, Data Breach, False reporting, selling the contract without taking me to arbitration, failing to mark the account as disputed, verifying the account without providing account level documentation. date the above inquiry ( ies ) not yet documented have NOT been demonstrated with adequate demonstration of required PHYSICALLY VERIFIED PROOF OF THE ADEQUATE and legally ACQUIRED PERMISSIBLE PURPOSE as result of report review requested by myself and or any person, persons, or entity else wise legally with the rights of Permissible purpose above and or beyond my knowledge and or authority. Being not provable of mandatorily substantiated Permissible Purpose from the exact and identified me, the allegation of inquiry ( ies ) can not be assumed COMPLIANTLY recited nor any direct and or indirect injurious account claims assumed COMPLAINTLY believed. Further, given the above suggested deficiencies, any assumption ( s ) of verifiability much less validity of claim ( s ) can not be assumed factual, and I here now today DEMAND total and permanent ERADICATION of the flawed expressed inquiry ( ies ) and any and all allegations of injurious account reporting ( s ) there by associated, directly or indirectly, mentioned here or not, veracious or not because CERTIFIABLY COMPLIANT REPORTING OF ONLY PHYSICALLY VERIFIED authentic CORRECT replete and fully VALIDATED claims is the LAW and STANDARD OF ACCEPTABLE LAWFUL REPORTING PRACTICES. You now any being has the right to be derelict in reporting and you can NOT justifiably cling to any suspect or recklessly poor information, particularly claims contested by the injured consumer such as I am doing here and now! In advanced I thank you for your willing action to return to total compliance of reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I find many inquiry which i did n't authorize on my credit report and which i did n't know of them putting inquiry on my report, try to contact them with sending them letter they all telling me that they do n't have any file under my name or account under my name. I did call XXXX to let them know about the inquiry issue on my credit report and the representative did n't want to remove those. That why Im complaining here are all the inquiry 's - XXXX / XXXX : inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX -- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - Coaf : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XXXX XXXX XXXX - XXXX  XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX Inquiry : XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX   XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. 
I have attach my id to proof my identity in this complaint.
Product: Prepaid card

I purchased a XXXX Vanilla gift card for {$250.00} on XX/XX/year>. I tried to use it for the first time the following day and it was declined. Vanilla XXXX customer service told me that it was a system malfunction and they would have to send me a replacement card. They said it was going to be shipped fed ex expedite shipping and would arrive in XXXX to XXXX  days. I've been waiting for it for XXXX days and it still hasn't arrived. I've called several times and they say to keep waiting. It all seems like money fraud of an intentional nature
Product: Debt collection

As of XX/XX/XXXX, Collection agency HUNTER WARFIELD has again reported a collection that, XX/XX/XXXX, was reported to the Consumer Financial Protection Bureau. The collection account was subsequently deleted by all three credit reporting agencies due to my complaints of HUNTER WARFIELD/JEFFERSON XXXX never providing the requested proof of the debt, as well as adding interest to the debt without a judgment as required per the original agreement. I have attached the CFPB summary of the original dispute and action taken.
Product: Credit card or prepaid card

Capital Closed my account due to fraudulent activity and have continued to charge interest. I have called and questioned them and even tried to settle but they refuse to work with me on the matter. I believe it is illegal for them to charge me interest if they have closed my account and I would like to be refunded on the interest they have charged me and to settle on a payment to pay off the balance.
Product: Credit reporting or other personal consumer reports

I have not mailed off the form Equifax requested for them to remove my information : on XX/XX/year> I have contacted Equifax credit reporting companies and requested in accordance with Section 605B of the FCRA, we have determined that the block request may have been made in error ; is a misrepresentation of material fact relevant to the request to block and/or you have obtained possession of goods, services, or money as a result of the transaction. I demanded a reinvestigation, as before when I had ask them to investigate they did not and I did my own investigation to find that my information was stolen and utilize by another individuals for several purpose and the companies were trying to hold me responsible. ONce again I would like for them to properly reinvestigate and remove the following : XXXX XXXX XXXXXXXX / XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX.
Product: Debt collection

ARS has been reporting unverified information to my credit reports. I have requested documents and they continue to refuse to send it or remove this information from my reports I have request this information by mail multiple times XX/XX/XXXX and XX/XX/XXXX.
Product: Debt or credit management

today XX/XX/year> i logged into my credit karma account and reviewed some credit card options available to me. Credit Karma had the XXXX XXXX XXXX XXXX card had terms listed for XXXX  % APR intro period for XXXX  months. I applied for the card DIRECTLY through their link with these terms AND screenshotted these terms. The card did not have these terms when i was approved. i reached out to credit karma asking why the terms were false on the website, the customer service rep told me it is XXXX XXXX XXXX fault. i called XXXX  XXXX as credit karma directed me and thre representative said that was bogus, and it is their job as the XXXX party site to advertise correctly. XXXX  XXXX complaint was filed and escalated by their agent. This fraudulent post on credit karma 's website had me apply to a credit card with promos that simply didn't even exist with XXXX  XXXX. i contacted credit karma twice again asking for first, the application ID because XXXX  XXXX was requesting it on the phone with me. The agent told me I should have had an email with this. I said I did not get ANY emails. They said they could not provide. I reached back out requesting a copy of the chat transcript from that morning, also said they could not provide. I asked for management and they refused to help due to " privacy concerns ''. Credit Karma FALSELY advertises and my XXXX XXXX has been directly affected for this. I couldn't even leave feedback on the chat after i requested my application ID. For whatever reason just that card specifically couldn't be helped for me. I have uploaded the screenshot on their site of the card i applied for on credit karma site and chat screenshots. i would upload the chat from earlier before i was instructed to call XXXX  XXXX but they refuse to send it. also attached record of call with XXXX  XXXX representative
Product: Credit card

On XX/XX/XXXX, a large amount of money appeared in my credit card account as consumption, which I did not realize, this amount was XXXX and a charge for foreign currency conversions for XXXX, at the same time I called the bank and The account was pending, but the bank, instead of helping me, proceeded to pay the person who robbed me. I honestly don't understand. I even made a report to the police but they didn't resolve the case. They told me that I was responsible for paying them and they sent me a letter. letter saying that the case is closed, please help me. The bank that provides my credit card is Wells Fargo.y my credit card number is XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Penfed paid off my share secured loan EIGHT YEARS before the final payment was due stating that my account became inactive. None of this is in the loan terms that they forgive loan amounts. This is harming me because my income is strictly monitored to ensure that I do not end up in a higher tax bracket. Even though they paid maybe {$10.00}, that {$10.00} can be enough to put me into a higher tax bracket for 2024 taxes. 
I would like the loan reopened with the previous terms so I do not have to add their forgiveness to my taxes as legally I have to do so. Or, I'd like to be compensated for all of the additional taxes that I'll have to pay from this {$10.00} being added to my income for the 2024 year. You don't know what people 's finances look like and no decisions should be unilaterally made just because it maybe costs you more to keep the loan open than to forgive and close it.
Product: Checking or savings account

Bank of America has committed a violation of the Section 5 of the FTC act and has committed unfair and Deceptive violations. I called on XX/XX/22 and I talked to a very nice lady and filed a report for some charges that were unauthorized and fraudulent. I was told by the lady on a recorded line that I would receive my credit within 24-72 hours. I called back on XX/XX/22 to check up on this. I was told that I would not receive any credit until XX/XX/XXXX. Therefore I was lied to and the bank has engaged in deceptive acts which were unfair in the treatment they used for me. XXXX XXXX ID : XXXX would not review the phone call and when I said that it was deceptive he refused to file a report about being deceptive with me.
Product: Credit reporting or other personal consumer reports

XXXX calls per day from someone saying my identity was stolen and someone filled out an application for a loan using my social security number. Called the financial institution and they said it was fraud.