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

I went to file my taxes and I was told by the tax consultant that my identity has been stolen because someone had already filed under my personal information. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$2700.00} XXXX  XXXX {$2800.00} XXXX   XXXX {$2700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$340.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$590.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$400.00} XXXX   XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$740.00}
Product: Mortgage

I am writing to file a formal complaint regarding Loan Depots inability to execute my COVID-19 forbearance plan, failure to escalate my concerns as requested and harassing collection letters. I made the decision to participate in their mortgage forbearance program as I have been impacted by the ongoing COVID-19 pandemic like many others. On XX/XX/XXXX, I mailed the first set of required documents which were fairly executed per the instructions that were provided per Loan Depots contract. Also in these instructions it stated it may take 30 to 45 days to process these documents and that I did not make my mortgage payments. Over the course of these five months, I have contacted their customer service area multiple times in order to follow up regarding my documents, however, I was told everything was fine, and that they ( Loan Depot ) would contact me if they needed additional information or had questions regarding my documents, it should be noted, Loan Depot has NEVER contacted me, i am always the one doing all the leg work and contacting them. And still, I continue to receive notices regarding my payment being late, and that I am in default, and in good faith, I have continued to contact their customer service area several times and have been told like before, everything was fine. No action was required on my part. On XX/XX/XXXX, I then received several letters in the mail stating I was in default. Much to my dismay as Ive been told everything was fine to this point, I again reached out to their customer service area and again sent my executed documents for forbearance by mail, XXXX, fax and email. As of XX/XX/XXXX I had then contacted customer service again as the situation had still not been resolved as I am still in default and that there is going to be a foreclosure on my home. As of today XX/XX/XXXX, I have not received any confirmation that these documents have been received or processed by Loan Depot. How is this possible? I contacted them again on XX/XX/XXXX and requested to speak to a supervisor to once again handled the situation I was on hold for over an hour and 15 minutes and was never able to speak to anyone and hung up, and yet the situation is still not resolved. At the time of this writing, I still not received any confirmation that these documents have been received or processed by Loan Depot. Now my situation is worse as I have now received several collection letters with the most recent stating Loan Depot may pursue for closure and put me and my son on the street. I have acted in good faith to rectify the situation as I continue to do all the leg work. I am the one doing all the everything, I am the one making all the phone calls and making sure all the documents that have been executed in order to resolve the situation, I have included the executed documents and other documents that may help your research I hope by reaching out, someone can help get my situation escalated to the right people for resolution. The situation is devastating to my credit and any future financial services I may wish to pursue.
Product: Vehicle loan or lease

On XX/XX/XXXX I contacted Capital One concerning my automobile loan. I asked for a deferment due to being recently unemployed due to the pandemic. I was denied. I am currently one day past the 10 day grace period. This is the first time since opening this loan that I have been late or needed help. In fact since XXXX I am well ahead of my loan payments. 
Original loan amount : XXXX Opened on : XX/XX/XXXX Current amount owed : XXXX, XXXX Monthly payment amount : XXXX I received an alert congratulating me for the projection of my loan that was to end XX/XX/XXXX to XX/XX/XXXX. 
I plan on making my car payments as soon as I can return to work and plan on finding other work until then. When I asked the representative why I was being denied the deferment she said " I don't know the computer won't let me '' several times. I asked to speak to a supervisor. Literally, the supervisor was on the phone less than 30 seconds to say the same exact thing the representative said. I will attempt again tomorrow, hopefully I will get a different response.
Product: Credit reporting or other personal consumer reports

Experian has failed in their obligation to limit furnishing on a consumer report with verification of verifiable documentation of written instructions of whom the consumer relates I am asking for verifiable documentation of written instructions of whom the consumer relates 15 USC 1681e compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

15 USC 1681i Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

BAY CR WAS PD XXXX STILL ON CR BUR NOT PAID
Product: Credit card

I have a Macys American Express card. I pay my monthly bill on autopay. The statement received in XXXX for {$80.00} was paid in full through autopay. I never have a running balance because autopay pays the full statement each month. Although I paid in full through autopay, Macys charged a {$2.00} minimum interest charge on a XX/XX/year> line item on the XXXX statement. I called and asked for an explanation and Macys admitted the mistake because they noted Im on autopay and last month was paid in full. They credited my account {$2.00} to my satisfaction. They warned me it will happen again and next time I should call again, and if I call Macys will again waive the minimum interest charge. I asked for confirmation that this will stop and it seems unfair that I need to call every month to correct Macys mistake. I received the XXXX statement that contains the fee on XX/XX/year> and called Macys at XXXX at XXXX eastern time.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts on my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit file.

The specific accounts that need to be blocked and deleted are as follows : Accounts : XXXX - XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$90.00}
Product: Mortgage

I submitted a complaint two weeks ago, # XXXX, it was closed by Freedom Mortgage even though the issue has not been solved. I am submitting a second complaint. I have been pre-approved to refinance my loan, which was to close the first week in XXXX. As of today, my refinancing still has not been finalized. I have escalated three times. I had a closing scheduled today at XXXX which I took a VACATION DAY for and it is cancelled because the notary did not receive final documents. I hope CFPB reaches out to me XXXX to hear my issues before this complaint is closed. 
This refinancing is costing me {$400.00} a month and a vacation day.
Product: Debt collection

I received a call form XXXX XXXX regarding a HSBC credit card they allege I had. This is the second company, also based in GA, claiming I had an HSBC card that I defaulted on. The initial call came from a company called XXXX XXXX XXXX. I have never recieved any letters or notices from them. I was called by this company ( XXXX XXXX XXXX ) on XX/XX/XXXX at my place of employment, they left a rbo-call message with my name requesting a call back. I called them back and when I asked for their contact information, the representative hung up the phone. I called back several times and was hung up on. Later in the same day, I called a spoke to another woman who stated that I could pay them now or I could talk to the judge about it. She claimed that I owed {$770.00} and my last payment I made was in XXXX. I do not now, nor have I had in at least 15 yeas, an HSBC credit card. Literally. In AZ, the statute of limitation on credit card debt is 6 years. She emailed a letter to me, it has no information other than what I have stated. The letter claimed to be from " XXXX XXXX XXXX XXXX '' misspelled XXXX. Anyway, today I get a call from a place called XXXX XXXX, also based out of GA. She said that I now owe {$2700.00} and that I could pay or go to court. I asked when my last payment was made, she says XXXX. These people are scammers. I am ill, I have major XXXX XXXXr, XXXX and other mental XXXX that is probably killing me. These people are harrassing me and it needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Oportun is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my account my consumer report Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT. 
report containing information solely as to transactions or experiences between the consumer and the person making the report. So therefore this company is sharing my private information. also the late payments and payment that's been made are transaction from me ( Consumer and the person that's making the report I called and ask for them to remove the late payments from my account and the rejected my request i did caught up on my payments so now I am current and the late payments are effecting me to get approved for any credit since it is new. I need the month of ( XXXX, XX/XX/2022, XXXX as well as XXXX for my payment history update to on time payment paid as agreed )
Product: Credit reporting or other personal consumer reports

The last few months I became a member with XXXX XXXX. Recently I received several emails stating Im a excellent match for some credit cards. I applied for two cards. One with XXXX XXXX and the other one XXXX XXXX. I was denied. Upon contacting both credit card institutions I was told XXXX XXXX reports fraudulent information to its customers logging in to keep their numbers up. I have supporting conversations between XXXX XXXX and myself with apologies for reporting fraudulent information to there consumers.
Product: Debt collection

According to XXXX Midland Credit Management is reporting XXXX XXXX XXXX XXXX in XXXX, CA XXXX as a place I have lived or used as a mailing address. 

I am not sure why my name & social security number is being link to this address. I have never used this address on any document or credit application. I dont know anyone or affiliated with anyone at this address. 

This is hindering me securing a place to live as I have been asked why I am not use my previous place I live on their application. The XXXX XXXX XXXXXXXX XXXX, is showing up on my rental background. 

XXXX is the most difficult to deal with. When I called in they told me XXXXXXXX XXXX was the one reporting the address and I go back to file a dispute now its midland reporting. 

XXXX wont take this matter seriously as they have informed me multiple times address has no weight on your XXXX score. It is having a negative impact on me over coming homelessness and no one seems to care. Landlord are finding all sorts of tacts to deny a tenant. Then again I understand why they would deny me. It seems suspicious when I tell a landlord that I have no affiliation with that address but its shows in my credit report. 

Companies can report inaccurate information to the credit bureau and we the consumer have a hard time trying to fix an error we did not cause.
Product: Prepaid card

Im reaching out ( XXXX ) as an XXXX XXXX of the ongoing fraud affecting an alarming number of Californians receiving unemployment benefits in desperate hope you can assist with my case ( 2 ) in effort to inform the public of the egregious scale of fraud that has occurred since CA EDD began issuing payments through Money Network. 


On XX/XX/XXXX, I discovered my Money Network EDD account had been drained with {$2500.00} being fraudulently transferred to a bank I was unfamiliar with. Upon research, I discovered that this exact scenario has happened to Money Network EDD card users across the state. 



Hundreds of users of the online EDD help forum ( r/EDD ) reported having their Money Network accounts drained of figures anywhere between $ XXXX {$12000.00}. All of these occurrences happened in XXXX following the transition of EDD payments from XXXX XXXX XXXXXXXX to Money Network XXXX XX/XX/XXXX ). 


Upon further research, I discovered that the routing number associated with my fraudulent transfer matches a XXXXXXXX XXXX bank that other victims have reported their money being sent to. Screenshots are attached to this email. 



This breach of security is terrible, but especially heinous given the vulnerable nature of those dependent on EDD funds. 



Despite submitting my dispute form to Money Network and following-up via phone, I have yet to have my money returned. I believe Money Network is attempting to slow roll the process by instructing customers to wait to receive the needed dispute form ( and return ) via mail despite the form and instructions on how to submit via email being available online. 


When I call to follow up, they've refused to provide information due to " failure to verify my identity. '' However, the verification question asked was " can you give details on a recent large transaction ( what, when, to whom ) posted to your account? '' The only large transaction was the fraudulent one I was disputing and could provide all details except who the money was sent to ( because it was fraud ). It was on this basis " my identity could not be verified '' and no information could be provided. 


I should also note I had already gone through verification steps ( SSN, DOB, PIN, Name, Email, Address ) *twice* both with the initial phone recording and the live agent. The verification question asked above was a third *additional* step. 


I can not receive any upcoming payments from EDD as my Money Network account is compromised. With no income from work, unemployment, or any other sources, I am desperately hoping that your team can assist in resolving my case and that of so many other affected Californians.
Product: Debt collection

I have sent a certified letter to Portfolio Recove ry Associates LLC. and aske d them to send me all of the information in the letter that had all of the information that I am asking for. I have all of the letters and copies of the information that I am asking for. They did not give me all of the information that I asked for. They are still wanting my to pay this debt but I asked for information and they did not give me everything that I asked for. I gave them 60 days to take care of this debt and they have not taken care of the debt at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following items from my credit file : Incorrect Personal Information : Name : XXXX ( XXXX  ) Address : XXXX XXXX XXXX  ( TU & XXXX  ) Address : XXXX XXXX XXXX  ( TU ) Address : XXXX XXXX XXXX XXXX XXXX Please remove the inaccurrate late Reportings on the following accounts : XXXX XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$8.00} ; I was never late. 
XXXX XXXX XXXX  - Date Open : XX/XX/XXXX Bal : {$15.00} ; I was never late. 
XXXX  - Date Open : XX/XX/XXXX Bal : {$0.00} ; I was never late. 
XXXX  - Date Open : XX/XX/XXXX Bal : {$0.00} ; I was never late. 

Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Here is a copy of the letter that I emailed to the company today. I tried to contact XXXX XXXX XXXX but their website does not allow the submission of letters with any type of punctuation and I felt that my submission would be grammatically incorrect and mis-founded. 

XX/XX/2019 XXXX XXXX President and Chief Executive Officer Regions Bank Corporate Headquarters XXXX XXXX XXXX XXXX XXXX, Alabama XXXX FDIC Field Office : XXXX FDIC Supervisory Region : XXXX, GA Federal Reserve District : Washington Re : Bank Statements Dear XXXX, I have difficulty making deposits for a family member on a personal account that they have with your bank. When I researched your bank insurance information online from different websites I found conflicting information. Some of the sights show that you are FDIC insured and others show that your customer accounts are not : Investments, Annuities and Insurance Products Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition of Any Banking Activity Only bank deposit products are FDIC insured. 

Member FDIC. 

Your companys profile ( file : /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) shows that you are FDIC but that your main focus is, Commercial Lending Specialization which may be why I get nervous every time I walk into the bank to complete even a small deposit. Also, your customers bank statements do not reflect personal ownership, meaning their name is not listed on the bank letterhead with their account number. This leads me to believe that you are not properly insured for consumer personal account and that anyone can use the funds from someones personal account without a transaction being easily traced. I have had an account with Regions Bank in the past and I always had an accelerated urgency to spend my funds as soon as I deposited money into my account which caused fees. In a small town or city the customer is being targeted if they can not determine how often they spend their personal funds or in what order their purchases will be paid. 

To resolve the problem, I would appreciate your action properly insure consumer accounts against fraud from the bank employees as well as the general public, discretely indicate on bank statements that a customers account number belongs to them, allow the use of first, middle, and last name ( and/or initials ) on bank accounts and statements to insure that two individuals with the same name or initials do not get their funds mixed up. 

I look forward to your reply and a resolution to my problem. 

Sincerely, XXXX XXXX XXXX, Attorney Pro Se, XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ XXXX 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. I HAVE ATTACHED MY FTC REPORT TO THIS CLAIM TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24hrs stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB takes action to ensure Equifax complies with federal law and provides consumers with the necessary proof of an investigation.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX, on behalf of JH Portfolio Debt Equities LLC requesting payment on a credit card debt. I called the company on the letter, requesting all documentation including default date, last payment date and any other activity on the account. They would not provide me with this information.
Product: Credit reporting or other personal consumer reports

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.