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 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 the blocking of the erroneous information that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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, 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  # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated in prior letters and to the complaint to the CFPB, I have not requested validation, but VERIFICATION or a signed ( which can be electronic ) document bearing my legal signature I opened this account because this account was opened fraudulent by a person living in Alabama with SSN XXXX. I have additional accounts with XXXX XXXX  and all have stellar payment history. Further, with the letter included, the fraud department agrees there was third party use of this account. 

As requested, I have contacted XXXX XXXX XXXX and have requested ANY signed documentation showing I established this account and they have not been able to provide any details beyond billing statements. This alone and the reason I continue to protest this account is because it is damaging my credit rating and shows the clearest sign of fraud as I have never lived at the address where this account was opened, where the first billing statement was mailed, or in Alabama since 2004 after XXXX college. 

Since this account was turned over to XXXX XXXX XXXX as you stated, I respectfully request for XXXX XXXX to remove this account from my Equifax credit report and allow me to deal directly with them to resolve this account.
Product: Debt collection

this depth disputed many times. Depth collector changing name of the company and report again. The state of Maryland also provides limits on the length of time a creditor has to collect debts. The statute of limitations gives creditors 3 years to file a lawsuit against you for the debt you owe. this depth not belongs to me. they do not have proof and past more than 3 years
Product: Mortgage

Before the pandemic I was working XXXX jobs and lost the park time employment due to lack of hours during covid. This created a financialy hardship for me and I fell behind on my mortgage. XXXX - I applied for a loan modification on XX/XX/21 - On XX/XX/21 XXXX with XXXX XXXX told me my hardship application was complete and it would take XXXX days for a decision - On XX/XX/21 XXXX with XXXX XXXXr stated they are backed up which has caused a delay in the decision for my hardship request - On XX/XX/21 XXXX with XXXX XXXX submitted an escalation for clarity on the delay and how much more time could be expected. She communicated a XXXX business days response time - On XX/XX/21 XXXX with XXXX XXXX stated the escalation was still open and that was the XXXX business day so to call back XXXX  - On XX/XX/21 XXXX stated the escalation was still open and there isn't anything they can do until the escalation is responded to and allow another XXXX weeks- On XX/XX/21 XXXX with XXXX XXXX stated my escrow analysis was completed on XX/XX/21 - On XX/XX/21 XXXX submitted an escalation asking for an update on the review and when a decision would be reached - On XX/XX/21 XXXX with XXXX XXXX stated the underwriting department started to review my application for a flex modification. When I asked what they had been doing from XXXX, she stated they review for all options to try and help me My hardship request has been denied for the following reason : Insufficient Monthly Payment Reduction. We are unable to offer you a modification because in performing our underwriting of a potential modification we could not reduce your principal and interest payment. 

When I asked for clarity on how there was nothing that could be done, I was told that I am already at the lowest terms with a XXXX XXXX rate and {$1300.00} mortgage payment. When I asked why my mortgage statement shows XXXX XXXX I can not get a direct answer other than their system shows I have a XXXX XXXX. 

I have included my reason for denial along with multiple mortgage statements that contradict what is being said to me over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

OPINION by experience- I am totally disturbed that I a consumer are being incorrectly by them and third party users hence impacting our ability to get favorable finance and if we do at a usurious rate. I submitted another complaint the other day only to receive a warning from this reporting agency my credit use has gone up! FALSE! Their current report shows balances From XX/XX/XXXX!!!!! They are incorrect and get this lower my use of credit and do NOT increase it as they warned! When I dispute they basically kiss me off with they will wait until the bank posts the correct amount. IF this is not fraud then what is? My score has dropped almost 30 pints on illegal and incorrect processing and it is NOT maintained in a timely fashion. When the XXXX is capability, honor, integrity and ethics going to come to this so called agency as well as yours- protection for who- them? Is it not time you stopped professing something you are NOT?
Product: Money transfer, virtual currency, or money service

To whom this may concern, I am filing a complaint against Cash App ( Block.inc ) due to the inadequate customer service and unfair practices which I was informed violates the Consumer Financial Protection Act. When it came to fraud on my account they failed me as a company, and different have the proper security to protect my personal information. The response to my actions about fraud on my account wasnt token serious and my account was still left unprotected. The whole process was disturbing, and ineffective and they didnt follow through with requirements of Electronic Fund Transfer Act and Regulation E. The multiple times I reported this problem I took a major loss when sometimes I was already in a financial bind.They then closed my account and its been on review for over some years which make no sense no one has reach out to me via call or email. I hope something can be done to resolve the situation at hand. Please and thank you.
Product: Credit reporting or other personal consumer reports

I submitted over XXXX disputes which have not been resolved on behalf of : XXXX XXXX XXXX for Original creditor : XXXX XXXX XXXX XXXX  which I identified as fraudulent on my consumer report. I have submitted an FTC report, along with a dispute letter with no response. I have also contacted XXXX XXXX XXXX  which verified the account as accurate but could not provide me a signed contract with my picture ID attached to verify this account was made by myself. XXXX XXXX XXXX informed me they were collecting a debt for XXXX XXXX XXXX XXXX ; however, after contacting the apts I was informed that they have no contract and information of said account in their files for validation. Therefore, I am wondering how this account is verified by both Experian and XXXX XXXX XXXX and is still appearing to negatively affect my consumer profile. Per 15 USC 1681i ( a ) ( 1 ) ( A ) this is a violation of subsection ( f ) and subsection ( g ) as this has not been investigated according to by laws and has been an excessive amount of time past 60 days of this account not being verified and removed from my credit file. 

I KINDLY ASK, that CFPB look further into this matter as I have done my due diligence and have not received a response from Experian or XXXX XXXX XXXX in this matter.
Product: Credit card

In XXXX, I requested a check in the amount of the credit I had on my credit card account. After about a month, that check had not been delivered. I then made a new request for the check to a different address. That check has also not been delivered within the timeframe that the company told me it would be delivered. 

I recently contacted the company to see if the amount could be direct deposited to a checking/savings account, and I was told it couldn't.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the absence of my XXXXXXXX XXXX credit card account ( account number : XXXX XXXX XXXX XXXX ) from my credit report. This account has been active and in good standing, yet it is not being reflected on my credit report. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to expect accurate and complete information on my credit report. The non-reporting of this account is affecting my credit history and score, potentially skewing the representation of my financial responsibility.

Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), which amends the FCRA, you are required to take reasonable steps to ensure the completeness and accuracy of information in my credit report. By failing to include all relevant accounts, including this XXXXXXXX XXXX account, my credit report is incomplete, and this omission is negatively impacting my credit profile. 
I am requesting that you investigate this issue and contact XXXXXXXX XXXX  to ensure that my account is reported correctly and reflected in my credit report. Please provide me with confirmation once this has been resolved or notify me of any steps that need to be taken on my end. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the correction or the results of your investigation within the 30-day period required by law under the FCRA.
Product: Money transfer, virtual currency, or money service

I am writing this message and submitting this claim to express my concern regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams. The Zelle company has lacked accountability and transparency, which is beyond unacceptable and raises concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sought my credit report from Equifax since earlier this summer. I tried to get the report online and the company requested that I mail proofs of identification. I complied. The company said the proofs were not legible. I sent more legible copies. I have now sent four sets of documents to Equifax and the company still has not sent me my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bonafide ID Theft/ Fraud however they have failed to remove 5 accounts on my credit report which has lowered my credit score by over 200 points. 

Today I talked with a supervisor who said that all he could do was file another dispute even though Equifax has already disputed the information several times. Disputing is pointless because it is fraud so the original creditor is validating fraudulent information. More importantly, the original creditors can not provide proper validation that is required by federal and Texas state law. The original creditors, due to fraud, can not provide me or Equifax with any original credit application or signed loan contract with my signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. 

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan payment deferral with Toyota Financial. The agreement covered 2 months XXXX of 2018 and XXXX of 2018. The agreement was approved. I was initially told verbally that the agreement must be signed and returned immediately after receiving. I began to look for the agreement within 24 hours. When I spoke to customer service I was informed it would take at least 72 hours not including the weekend. I received the agreement and it was signed and faxed on XX/XX/2018. With the agreement covering XXXX and XXXX my next payment would be due on XX/XX/2018. To my dismay it was reported to the credit reporting agencies that I past due for both. XX/XX/2018 and XX/XX/2018. When I put forth a dispute nothing changed then I submitted the original agreement. That was submitted to Toyota and now my credit report shows I was late for XXXX only. I have made good faith attempts to correct this with all 3 reporting agencies and Toyota to no avail. The information sent to me by Toyota outlining the agreement and signed and returned by me clearly covers. XX/XX/2018 and XX/XX/2018. So now I need your agency to assist me to make this right.
Product: Checking or savings account

I was over charged for overdraft fees that i shouldnt have been charged for I was also enrolled in ( OOPS ) program, and I tried to see if I could do a payment plan to get the amount down but they just closed my checking a account with warning
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX18 title loan taken out. person had XXXX XXXX and was under the influence of XXXX XXXX XXXX with no memory of this day! {$500.00} loan at 416 % with repayment of {$2600.00}!! How is this legal?? 
we went into XXXX XXXX to renegotiate terms and they didn't care! Said person was fine when they came in! well doctor and warnings on med bottle say otherwise!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX there was a cash withdrawal of {$6000.00} made from my business account. I did not make the withdrawal and it's obviously someone within the bank branch that did. I have emails placing me at my work at that time, the IP address on the emails line up with my work router. Also the handwriting on the withdrawal slip is not mine. 
I attempted to deal with CHASE on this, after over a month of consideration they are declining to pay me. My accountants did not discover this until mid XXXX of XXXX, Chase is saying it was too late to do anything about it. 
I have been a customer there for over 22 years. I have a mortgage and an IRA with them. I have no history of any fraudulent activity with them or any bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted equifax in regards to some fraud accounts listed on my credit file, i sent over a request to delete the items equifax didnt remove the accounts. the accounts are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.i filed a complaint with ftc and sent over ftc id theft report
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I had a closed account with Capital one with a small negative balance. Capital one closed my account but two deposits were sent to the account, which they accepted and they also took the money owed. The account has XXXX dollars that should be given back. My employer tried to get the deposited money back but capital one would not return the direct deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by the Credit Bureaus Transunion and  XXXX  that I would need to obtain a police report before they would remove my unauthorized inquiries and I sent over the report which is report #  XXXX  and they have not removed any inquiries off my report as of yet
Product: Checking or savings account

I deposited a check in the amount of {$21000.00} with Wells Fargo. The bank cleared the funds and said the balance is available in my account to use, no restrictions posted or notified about, no waiting period. I paid my taxes due, other loans, and made other expenses based on the available balance in my account. Per their own admission there is no notification of any holds on any fund on my account. They declined my transaction after letting my account being overdrawn - {$1900.00} without any single notification. On their end, hidden from me, the fund will not be available to me until next week. I made financial decision based on the funds available and they are ruining me financially because I will end up defaulting on the IRS agreement and missing other loan payments. I have made large amount deposits in the past in the same account and have not had any issue before. They are refusing me access to the funds they say I have available, and refusing to cover the charges made, but I have proof that my account has an available or posted balance of {$21000.00} at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXr american express ( amex ) XXXX  XXXX XXXX XXXX and XXXX did their investigation sent po dept to the creditors and ftc violations but the above references company will not quit calling me asking for a debt that is not owed which is a Violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease XXXX XXXX XXXX with XXXX financial it was turned in in XXXX. Equifax is saying Im months late and Im not. Ive filed many disputes. Nothing is done still on my credit report. Ive called XXXX financial they say the account is closed and has been since XXXX and they have had no communication with Equifax. They told me to contact federal trade Commission since Equifax isnt removing it.
Product: Debt collection

They have called XXXX times since the first of the year. It is a robocall and they want you to call them back.
Product: Credit card

Thursday, XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Citi Bank XXXX XXXX XXXX XXXX XXXX, SD XXXX RE : Fraudulent Charges XX/XX/XXXX Dear Sir or Madam : I have attempted to resolve the fraud that occurred on XX/XX/XXXX by phone and mail with no success. The charges in question were XXXX {$360.00}, XXXX {$420.00} & XXXX {$200.00}. All of which I have paid for and have not gotten recompense /// I reported the fraud telephonically as soon as I discovered the fraudulent charges. A security credit-item under investigationwas issued by Citi on XX/XX/XXXX. The fraudulent purchase and credits are shown on the XXXX statement. 

Subsequent to your investigation which I have not been privy to Citi decided to revoke the XXXX XXXX XXXX XXXX {$420.00} as stated as XXXX XXXX posted XX/XX/XXXX as seen on my XXXX statement. 

As seen on the dispute center states XXXX XXXX charge of {$200.00} was original found in my favor later reversed XXXX XXXX charge of {$350.00} needed more information which I provided XXXX XXXX charge of XXXX I was responsible for and no credit has been issued I am submitting for the second time your action required for XXXX XXXX  charge of {$360.00} and, in also I am commenting on the detail on the letter that a ticket was issued in the name of XXXX XXXX for XXXX XXXX XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX XXXX A valid photographic drivers license or passport in that name has to be shown to pass through XXXX in order to board the plane. I dont know a XXXX XXXX and my wife and I havent been to XXXX XXXX decades. Perhaps some XXXX  XXXX  work could track down this criminal. 

Moving onto the XXXX charge of {$420.00} that Citi maintains is my responsibility. Your response stated Your dispute is resolved and no credit has been issued. I see no evidence of your investigation that shows that I made that purchase. This fraudulent charge is part of the criminal activity that charges my account on the same day for flights on XXXX and XXXX. I demand that this charge be reversed and my account be credited for the amount of {$420.00}. 

I believe that only a cursory investigation was conducted by Citi and continued investigation is indicated. You have his name and the flights that he took. Photographic evidence of identification used and video evidence from XXXX would lead to the criminal. 

I anxiously await your response. XXXX XXXX isnt coming to my family until I have been made whole by Citi. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX.