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

As I reviewed my report XXXX seen items/ addresses that didn't belong to me as well as addresses that wasn't a deliverable address. As well as the incorrect spelling and arrangement of my full name. I have called and mailed them documents asking for these thing to be deleted and corrected. However still 3 months later no results. 
Please find the incorrect addresses below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as my name should reflect what is on my identification. 

Under the provisions of the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 a, it is unequivocally stated that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and a deep respect for the consumer 's right to privacy. As the consumer in question, I am asserting my right to ensure that my private information remains confidential, as reinforced by 15 USC 6801, which declares that financial institutions have a continuous obligation to respect customer privacy.

According to 15 USC 1681 section 604 a section 2, a consumer reporting agency may only furnish a consumer report under specific circumstances, one of which is in accordance with the written instructions of the consumer. 

it is imperative to note that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and XXXX, lack my consent and certainly do not possess my written consent to furnish this information. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 

Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how they can exercise the nondisclosure option. The ( Furnisher of information to credit agencies ) failed to inform me of my right to exercise this option, thereby violating the law.

The reporting of adverse information without my permission is also a breach of 15 USC 1681C ( a ) ( 5 ), which explicitly prohibits consumer reporting agencies from including adverse items of information that antedate the report by more than seven years. XXXX and XXXX are in violation of this provision. 

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A asserts that no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX transunion and XXXX are falling short of maintaining reasonable procedures, as mandated by 15 U.S. Code 1681e, which requires consumer reporting agencies to have procedures designed to avoid violations and limit the furnishing of consumer reports to specific purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute a fraudulent collection account that has been reported on my TransUnion credit report. The collection account has been placed by XXXX XXXX XXXX on XXXX XXXX, 2023. 

I am a victim of identity theft, and this fraudulent account has caused significant harm to my financial standing and reputation. I have never applied for telephone credit, and I have never had an account with XXXX XXXX XXXX. 

I have taken all the necessary steps to protect my identity, including filing a police report and notifying all relevant parties of the theft. However, the damage has already been done, and I am now facing the consequences of someone else 's actions. 

This fraudulent collection account has caused my credit score to plummet, making it difficult for me to obtain credit and access financial services. I have been denied credit applications, and I have been subjected to high-interest rates and unfavorable terms because of this fraudulent account. 

I understand that the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) provide me with certain rights in these circumstances. Under the FCRA, I have the right to dispute any inaccurate information on my credit report and to have it removed. Under the XXXX, I have the right to file a complaint against the entity that reported the fraudulent account and seek appropriate relief. 

I urge you to investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX for reporting inaccurate information and violating my rights under the FCRA and the XXXX. 

I appreciate your prompt attention to this matter, and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 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 XXXXXXXX Balance : {$21000.00} ; Medical XXXX : {$56.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022 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: Checking or savings account

I had the bank close my account as I had been mysteriously missing funds from my account the last XXXX  months and started banking elsewhere. I went back and talked to branch XXXX at my nearest location where I used to go to and requested my last bank statements for as far as it can be retrieved, and she said XXXX  years and she will make that request. Well it's been XXXX weeks and I don't see anything coming in the mail so I'm not sure she did what was asked but that is ridiculous. I want this to be known because I have been banking with this bank for XXXX  years and for me to have to leave it and go somewhere else I can trust speaks volume. I want what I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : 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. 
This is a fraudulent account ; I did not open account with this company.
Product: Vehicle loan or lease

Was told u would receive a settlement or balance paid off of remaining balance owed, and my title given to me. Haven't heard anything from them and continue to get the run around. I got a loan through chrysler capital, which is owned by santander.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

In XX/XX/2020, I walked into a branch of Citizens Bank in downtown XXXX to address several charges on my demand deposit account. I was directed to speak to an agent. I did not note the agent 's name as I had no reason at that time to suspect anything was amiss. She told me one option to address my concerns would be to open a new credit card. She told me I could be approved right away and could transfer a balance from another card and that there would be zero percent interest for one year. She made no further oral disclosure. I do not believe I signed any disclosure concerning any " balance transfer fee. '' After I opened this credit card account, I saw an approximate {$180.00} transfer fee on the account. I tried to address this with Citizens Bank and was told, in effect, " we made a disclosure. '' I dispute this fact and consider the practice of emphasizing positive features of a credit card, while ignoring, concealing or disclosing only in " fine print '' in a quickly-presented electronic form -- perhaps with a catch-all " I agree to all terms and conditions '' disclosure, if one was made -- to be an unfair or deceptive act or practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount Financed : {$38000.00} Monthly Payment : {$800.00} Reported Outstanding Balance at Date of Loss : {$32000.00} Vehicle Totaled : XX/XX/XXXX XXXX Paid : {>= $1,000,000} XXXX  Paid : {$1900.00} XXXX XXXX Showing Outstanding Principal Balance : {$8600.00} XXXX XXXX has falsely and inaccurately been reporting to all three credit bureaus that I have not paid any payments at all on the loan and still currently reporting that the loan is late by 60-90 days. It also shows that the balance is higher than the amount that was financed at the date of purchase, which is incorrect. I have made all required payments less than the 4-5 payments that were deferred. Even after XXXX and Gap made their payments, XXXX XXXX has failed to update the account to reflect any payment received and the updated status of the account. XXXX XXXX XXXX XXXX is reporting as if I have never made any payments and owe them more than the amount financed, which is damaging and false.
Product: Mortgage

I had my mortgage with Specialized Loan Servicing. I sold my home on XX/XX/2022 which is the same day my electronic payment was sent to pay for the month. I have requested a refund check since XXXX I have not received one. I have called at least 3 times requesting my refund. The last phone call I asked for electronic payment back to my account or overnight it to my new home. I was told they couldn't. They have held my money for 6 weeks. I keep getting promises of checks - I want my refund. It is very easy for Specialized Loan Servicing to collect my mortgage electronically, but they refuse to refund it electronically. Who sends paper checks anymore???
Product: Debt collection

My credit score is XXXX, no dings of any kind.My credit has always been excellent. No history of any credit issues.These calls are from portfolio recovery, a debt collector.
Product: Checking or savings account

I received several emails that an account was opened in my name verify my email, and they updated the email. I emailed bank of america and did not hear back from them, so I tried calling and was put on hold. When I finally reached someone she kept demanding an account number, but I didn't have one since I didn't open an account ( someone else opened it in my name ). I asked for the fraud department and she finally transferred me right back to main line and I didn't want to hold again. I emailed again a week later and did receive a phone call back verifying they received my email and I needed to contact their ID theft department. He supposedly gave me a phone number to the fraud/ ID theft department. However, I have now been on hold for over an hour .... They are not taking this seriously or helping close an account, listed in my name, that was never opened by me. 
How can they even allow accounts to be opened in a person 's name without proof of ID?! 

*This form asks for an account # or billing address. I have no idea what the full account number is or what billing address someone used under my name. They used my email initially, but may have changed that already as well.
Product: Credit card or prepaid card

The App they have to pay payments is very poorly built. They have my correct account info and it was set for automatic payments. I manually paid them after receiving notice my bill was due and. The payment somehow got returned I got no notification of any returned check. This happened for the last two payments. 

They tryed to act like they didnt have my phone number and I needed to update my email but it was all the same info. 

This company is very unprofessional I want the late payments taken off my credit repost and the returned check fee and interest and late payment fees Refunded. 

Its like they purposely did this so they could charge me interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Consider this letter a formal instruction and unequivocal authorization to immediately remove and delete the inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, from both the consumer report and file associated with the SSN and File Number referenced above. I expect full compliance with this demand, as it is well within my rights under 15 U.S. Code 1681 of the FCRA and 16 CFR 313.3 ( o ) ( 2 ) ( D ).

Failure to comply with this directive within 5 business days from the date of receipt of this notice will be viewed as a deliberate violation of my rights, and I will not hesitate to pursue all legal avenues available to rectify the situation and seek appropriate remedies.

To emphasize the urgency of this matter, I demand your immediate attention and action. Remove the aforementioned inquiry without delay and ensure its complete eradication from all pertinent records.

Attached for your reference and verification are the following supporting documents : 1. USSA PASSPORT CARD 2. FTC IDENTITY THEFT REPORT I expect a written confirmation of the inquiry 's removal within a reasonable timeframe, affirming that my consumer report and associated file have been thoroughly purged of this derogatory information. 

Take this demand seriously, as any further delay or noncompliance will be met with swift and decisive action. 

Regards, XXXX XXXX XXXX
Product: Debt collection

To my knowledge, I have never received any written notice of my right to dispute my credit card debt. 
From the mail I did receive, from an Attorney 's Office, the amount of my debt was disproportionate to the credit limit of the two cards that I defaulted on.

My cellphone, which did not have unlimed minutes, was called from various numbers daily, 4 to 5 calls per day, that were not identifiable. I did a reverse phone search and found them to be from
'bill collector ' or 'Midland Credit ' . 
We have a court date, of XX/XX/XXXX, here in Pennsylvania. I have since learned that debt to a credit card company in this state is removed in 4 years. 
I'd like information about my debt. When my last payment occurred, and the balance due when it was charged off by the original creditor. 
Midland Credit has moved the date of the hearing that I requested from XX/XX/2022 to XX/XX/2022. 
I need to know what's legal and any info I can get on those accounts. 
Thank you for your help.
Product: Mortgage

Since the inception of my loan XX/XX/XXXX with XXXX and XXXX XXXX I have never had an Escrow account and I have always paid my homeowners insurance and property taxes. 
Just to give a little background ; I had a mortgage with XXXX since XX/XX/XXXX, effective XX/XX/XXXX the mortgage was serviced by XXXX XXXX XXXX XXXX, with no issues with the transitioning of the loan, my monthly payments of {$380.00} was due on or before the XXXX of the month without receiving additional service charges. During XX/XX/XXXX, I was informed that Seterus will be servicing my mortgage loan starting in XX/XX/XXXX. Unfortunately, since Seterus has taken over the loan, the transition has been a nightmare for me. The proper documentation ( statement of account with loan account details ) was never received. The Notice of Servicing Transfer and Welcome letter was not received, hence I was not given the proper information as to where to send my monthly mortgage payments of {$380.00}. 
Prior to XXXX XXXX, XXXX, I did not receive a statement from Seterus stating the amount of the loan or the transfer amount for verification purposes. Since the first notification nothing was ever received from Seterus. On XXXX XXXX, XXXX, I received a call from a Seterus representative stating that I was delinquent. I informed the representative ( XXXX ) that I was not made aware of where to send my payments, or the transfer loan amount. I further stated that I have the funds in my checking account, and the funds were transfer on XXXX XXXX, XXXX, in the amount of {$770.00} to Seterus, which represented XX/XX/XXXX and XX/XX/XXXX mortgage payment. I was charge late fees from Seterus, not due to my error but theirs for not sending out the proper documentation for me to pay my mortgage ( on recorded line, a representative stated that I was not mailed out any letters ). 
On XXXX XXXX, XXXX I received a Escrow Account Statement for my loan, which stated that I will be paying {$660.00}, I contacted Seterus and made them aware verbally that I am responsible for my property taxes and insurance. I was informed to send fax a letter stating those facts. I did on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX, the representative further stated for me to continue to make my monthly payments of {$380.00}. I have made my monthly mortgage payments of {$380.00} and Seterus is not apply my payments and has put me in default. My credit report has been hindered, Seterus is stating that I am 31 days past due, I have spent hours on the phone with their representative stating that they are going to apply the fund properly. I have be threaten with foreclosure. Seterus needs to be evaluated with their business practices. I have lived in my house for 15 years and had no issues until Seterus has taken over my loan servicing mortgage.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer services 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 process 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLESEE VERIFY THESE ACCONTS, BECAUSE THE INFORMATION ON THESE ACCOUNTS IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

A representative of my soon to be ex credit card company blatantly lied to me and I was charged a {$100.00} fee. 
I was considering making a crash transfer or " balance '' transfer from my credit card account and to my checking account but I was concerned about any fees or interest associated with such a transfer. So I called the credit card company, Bank of America in this case, and asked them about fees and interest. The representative told me there would normally be an interest associated with a transfer like that but that I am on a promotial period until XXXX 2017 so there would be no interest charged. I then asked him if there were any other fees associated with such a transfer and he said no. I now see a {$100.00} transfer fee on my statement relating to the transaction. 
But all that could have and should have been resolved as a misunderstanding. The reason I 'm writing this up is because when I called in to get the fee removed I was told that the agent who told me there were no fees " did n't write in his notes that I had asked about fees '' or that " he had told me there were no fees '' so they could n't remove that charge. I was blatantly lied to and then told they had no immediate record of that interaction so the fee could n't be removed. 
Currently the most recent rep. that I spoke with said she submitted an " escalation '' form and that the recorded phone call would be reviewed and that it will take up to 5 business days to get back to me. I doubt they will refuse a refund of the fee after that but I 'm writing this up because some other people might not know to ask about submitting and escalating form. In fact I did n't know about it and it was only after I threatened to report this incident and cancel the credit card that she offered the escalation form. This seems like a blatant form of predatory business practices this agency was designed to stamp out and I really hope that I 'm the only one this has happened to, but I doubt it. And I hope that if there are more people who have fallen victim to this sort of thing that you guys come out swinging with a war hammer ... or a small mallet ... or whatever tools congress gave you. 
Oh, and the XXXX dollar fee was made because I made the transfer online, specifically through the mobile app. Something I feel like I should have been made obvious irrespective of calling in. But it was n't.