23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a formal complaint regarding identity theft and fraudulent accounts opened in my name. I am requesting immediate action to rectify the damage to my credit report and hold the responsible parties accountable. My personal information was compromised online resulting in many fraudulent accounts being opened. The following accounts are fraudulent. I did not authorize these accounts or authorize my information to be used to open these accounts : XXXX XXXX XXXXXXXX {$2400.00} Pursuant to [ FCRA 15 U.S.C . 1681c-2 ] ( Section 605B ( a ) ), I am providing the following documentation as required for the blocking of information resulting from identity theft : 1. Proof of my identity.

2. A copy of my identity theft report.

3. Identification of the fraudulent information.

4. This statement that the information is not related to any transactions I have made.

Also pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to these fraudulent accounts and the mortgage default, as required by law within 4 business days upon receipt of this letter.

I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

i was XXXX extorted into sending {$300.00} to a user
Product: Mortgage

To whom it may concern : M & T Bank XXXX XXXX, NY overseen by the ( XXXX XXXX XXXX XXXX XXXX XXXX ) filed a work order ( date unknown ) with XXXX XXXX  to secure and winterize my mothers estate which is under contract with a realtor. Real-estate signage is posted in the front yard indicating the property is under contract. The interior and exterior of the home are well-kept and clean. A fluorescent green sign was placed by an unknown individual on the front door on XXXX XXXX, 2024, indicating the property was vacant/abandoned. I am unsure who made this assessment. On XX/XX/XXXX, XXXX XXXX removed the front door lock via a drill and gained access to the estate as evidenced by metal shavings on the front porch. A family friend presented to mow the lawn and stated all doors were open and that the winterization process had begun. He reached out to me immediately to inquire what was happening. The XXXX employee told my friend, it was a bank that had ordered the securement. I did not receive verbal, written, or certified communication from M & T Bank or a foreclosure attorney. I filed a police report to document the unlawful entry and damage and have requested the report ( XXXX ). 
XXXX XXXX  XXXX action is not justified and unlawful. I was appointed estate executor on XXXX XXXX, 2022, and my mothers XXXX was satisfied ( {$12000.00} ) on XXXX XXXX, 2023. The Notice of Cancellation of Notice of Pendency was also filed on XXXX XXXX, 2023. All paperwork is on file in the XXXX XXXX XXXX XXXX. 
The XXXX XXXX XXXX XXXX XXXX for M & T verbalized that the securement was an error due to an internal coding issue. 
Furthermore, XXXX XXXX was trespassing at XXXX XXXX  XXXX direction. XXXX XXXX damaged the front door with hammer marks, which were not present before the securement. Our family friend observed the following actions : the well water had been shut off, an air compressor was present in the basement to remove water from the lines, and he observed a gallon of antifreeze. On XX/XX/XXXX, our family friend walked the home to ensure no additional damage was noted. He discovered a dripping water valve, where the water had been turned off. 
Please investigate these illegal actions, abuse of power, and negligence. 
At the very least, I expect compensation to replace the damaged door. I also expect an apology from the management team, the XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX since he does not accept responsibility and repeatedly justifies M & T XXXX actions. I am still shocked that M & T Bank failed to review the associated paperwork before directing property securement. I requested a response to resolve the incident and have received no written or verbal resolution as of XX/XX/XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing all three of my credit reports a couple of weeks ago and noticed my auto loan with XXXX XXXX was all of the sudden not on any of my reports as it had been since I opened it XX/XX/2019!! I contacted XXXX XXXX and spoke with XXXX XXXX at the corporate office XXXX. She assured me it was a large company wide issue with an update they did which caused the system to somehow lose and not report hundreds or more accounts and that they are in the process of correcting and updating all with the credit bureaus! She sent me the account verification showing information for my account and said I should contact the bureaus to update and add it back on as they are also going to do! The bureaus should have noticed this and let me know they can see it had been reporting regularly for years!! This lowered my credit score too!! I told XXXX XXXX I am not closing my prior complaint until all is corrected! Here is the information I want all three credit reporting agencies to add all back on to my reports and send me a corrected and accurate full report by mail after they do so!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax giving false Credit scores means they didnt exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Pursuant to 15 USC 1681 ( a ) ( 4 ) Equifax also not having permissible purpose to furnish these accounts on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX US DEPT OF ED/XXXX - XXXX Hard Inquiry XXXX XXXX XXXX XXXX  No consent to furnish is fraud. 


After furnishing accounts on my consumer report as " Verified/Validated '' Equifax failed to disclose the details of the investigation to show how said accounts where " Verified/Validated ''
Product: Student loan

I am unable to log into edfinancial.com to check my student loan SAVE approval and loan balance. I have been trying to log into the website for over a month to begin payments. 

I get sent to the following page : Error We're sorry an error occurred. 

Please come back later and try again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting bureaus are reporting a state tax lien that should have been deleted. They are still reporting a state tax lien on my credit report after several request for them to delete this information.
Product: Credit reporting or other personal consumer reports

To whom it may concern,, I looked at my report. I sent a letter to Equifax asking them to reinvestigate these accounts : XXXX XXXX XXXX, they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681 5 they are suppose to do this ( 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- the person has been notified by the consumer, at the address specified by the person for such notices, that specific informatin is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Mortgage

I sent in my usual mortgage payment for XXXX ... they cashed the check but did not credit my loan. 

I sent them proof of my payment ( front and back of check ). 

Now they say they don't know where they applied the money for my account and are " again '' asking me for proof of payment. 

It's not my problem that they received my check for my mortgage, cashed it, but didn't credit it to my loan. 

Now I'm concerned my credit score will be ruined ... my normal score is over XXXX!
Product: Mortgage

This is really a marketing compliance issue. Guild is offering kickbacks on their 97 % LTV loans - in addition to this, their licensing info isn't on their material. This is appearing on XXXX.
Product: Mortgage

To whom it may concern, I have been trying to obtain mortgage assistance on with my lender PNC and my investor -XXXX XXXX. I have provided evidence of my hardship and my financial situtation. My hardship was due to a car accident. I was force to pay out of pocket medical expenses. At that time I only depend on my fixed s.s income. Because I was force to pay for medical bills and other fees. I did n't have enough money to afford the full mortgage payment. I contacted my lender before my mortgage was in default and I was informed that I was n't delinquent enough to ask for assistance. I was trying to avoid a foreclosure on the house. My insurance has reimburse me back XXXX % of the fees that I had to pay. I do not have full funds to reinstate my loan, but I have enough funds to afford my mortgage payment. I have obtain a job, plus I have my fixed income. I can say with great confidence that my financial situation is stable. I have been trying with both my lender and Investor to obtain a modification. However they denied my modification because they do not have enough authority to make a decision on the loan. I feel that I 'm been discriminated because of ethnicity and age by PNC and XXXX XXXX XXXX. My monthly gross income is {$5000.00} and my monthly expense including the mortgage payment are {$2800.00}. Plus, I have money saved to pay additional fees if need. My goal is to keep my home and pay what I owe. I writing to you because i feel like my request for mortgage assistance is not been review property. I 'm hoping that you can reach out my lender and investor and investigate. 

Thank you in advance for all of your help.
Product: Credit reporting or other personal consumer reports

Ive had several late payments that were reported. After my car was broken into on XX/XX/year>. I have a XXXX and unfortunately I was affected by the series of break XXXX performed by the XXXX XXXX. This incident also made me eligible for the XXXX theft lawsuit My car loan company offered to reduce my interest rate and to more some late payments form my credit report. The interest dropped a little less than a year later but the late payment never came off. 

Also my collection with XXXX XXXX XXXX was removed last summer in XXXX from all of the credit bureaus and it has been put back. Im confused as to why.
Product: Checking or savings account

I have an account with Venmo under my XXXX ( XXXX ) I only use the account to receive my XXXX monthly payment, first payment came I withdraw and when the next payment enter I tried to withdraw it, the card keep declining I contact their support I was told to upload my id card with my selfie holding the card which I did and the restriction was left I tried to withdraw again the card keep declined when I contacted them, the concluded to disactivated my account with my money {$750.00} inside without any reason I tried to reach them Here is their response your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. Note that creation of a new account will not change this decision.
Product: Credit card or prepaid card

I joined Costco Whole Sale as a member in XXXX, 2021. Costco demands you sign up for Citi VISA to pat for any purchases. I did sign up for the required credit card, Citi VISA, offered by Costco. I did enter a bank account routing and account numbers to pay the charges on the credit card. I was shocked to discover that the payment was returned, there are sufficient funds to pay the bill in that bank account provided, nevertheless, I called customer service at XXXX to find out that the bank account number had a missing digit or some sort of error. I provided the Rep. of Citi VISA with the correct account number and I specifically asked him that I do not want to pay extra charges. He then told once you make the payment when you receive the email no charges will be added. I checked my account to find out extra charges of {$29.00} and running total of {$64.00}, I called customer service who refused to remove the charge. Deceiving and cheating pay customers. Citi Bank customer Service rep. stated there was nothing that can be done. I told him that his colleague stated that there will be no extra charge once I receive the email notification which i did. I also provided another checking account to avoid any more issues. I asked to speak to a manage to try to resolve the issue, I was put on hold, typical strategy so the customer hangs and gives up, no manager or supervisor came to the phone to discuss the issue. The customer service Rep. ID XXXX who told to call back on XXXX XXXX but no reasons were provided for the call back on that date. He also refused to locate or listen to the recorded conversation I had with is colleague,
Product: Checking or savings account

My XXXX  sent me money and someone hacked into my account and sent themselves all my money
Product: Credit card or prepaid card

On XX/XX/2021 I received a deposit for money owed to me by a government agency for {$17000.00}. Before I used this account I called The serve customer service line on the back of my card and asked them if a deposit of this size was ok and explained that these were funds were owed to me by a government agency namely the SBA. I was told that all was ok by the representative and I could initiate the deposit. The representative told me I just couldnt withdraw that amount right away as it exceeded the monthly allowed withdraw limit, which was fine because I didnt plan on withdrawing it. So I went back and contacted the funding officer that was my contact person at the government agency and they initiated the funds to be transferred. Later that day I find out that after the funds went to my account Serve froze my account and suspended it. Im not sure why. I went through a very rigorous approval process for this money and it has been owed to me for months, my account was verified with the government and the company who was in charge of initiating the funds on their behalf. This was my account and they approved it to be sent to that account. My person of contact at the SBA and my congressman recommended I file a complaint through the CFPB, both were aware of the process I went through to get this money that I was owed to me. As they are the ones that helped me with the paperwork to get my money back a few months ago. My contact person at XXXX XXXX told me to do whatever the officer at the sba said to do, as they are just an intermediary that sends the government approved and backed funds to the accounts that are given to them from the Multiple government agencies in my case the sba. What did I violate by having money owed to me by the government sent to my account? The company that sent me the funds was only doing so for the government and I have tons of paperwork to show if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed a dispute with Transunion to have an incorrect item removed. In XX/XX/XXXX the item was removed. However in XX/XX/XXXX the incorrect item was replaced back on my report. Since then I've sent in multiple disputes including supporting documents to have this fraudulent item removed. Still no luck, the credit bureau ( Transunion ) keeps saying that it is accurate. I've contacted the third party/parties which they're saying verified the information & they stated that they have no knowledge of this information. Therefore Transunion is falsely reporting this information & is lying about the verification. This item needs to be removed from my credit report immediately!
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Experian : [ XXXX XXXX ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. 
Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit card or prepaid card

This is a follow up of the following CFPB claim. My membership rewards account had been unfrozen. However, the 35 % bonus points did not shon in my MR account. I contacted Amex many many times via phone or chat, the agents always give me difference response. No one help me to solve the issue. 


CFPB Ref No : XXXX and XXXX Ref : XXXX and XXXX Account Ending in XXXX Dear XXXX XXXX, Were writing in response to your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). We processed your booking with pay with points. We can not restore your ability to redeem your Membership Rewards ( MR ) points at this time. 
We processed your booking with Pay With Points On XX/XX/2021 you booked your travel through American Express Travel. On XX/XX/2021, we processed the redemption of XXXX points towards your booking and issued a credit towards your account of {$11000.00} which is reflected in your enclosed XX/XX/2021 billing statement. 
We have temporarily suspended your ability to redeem MR points We have temporarily suspended your ability to redeem MR points while we review your MR account to ensure you complied with our offer terms, this includes the 35 % airline bonus when you use Pay with points to book your eligible travel or flight through American Express travel. We took this action within the terms of the MR program. If at the end of the promotion period we determine that you have complied with our offer terms, we will unfreeze your account unless there are remaining concerns.
Product: Mortgage

This borrower was offered and accepted a trial modification with payments of {$530.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016. Borrower made her trial payments and has continued to pay but has not yet received her permanent modification documents. XX/XX/XXXX she was told by a representative that the documents would arrive in 7-10 business days. She has not received them, but has continued to pay.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX Balance : {$31.00} ; XXXX  XXXX : {$16000.00} ; XXXX  XXXX Balance XXXX {$5600.00} ; XXXX  XXXX Balance : {$110000.00} ; XXXX  XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$110.00}.
Product: Debt collection

THIS IS URGENT. VIOLATION OF MY RIGHTS. I, XXXX XXXX, am submitting this document myself and there is no third party involved. I have reported an unauthorized account to Equifax. They had then processed an investigation with the creditor XXXX XXXX. The creditor is saying that, what they are reporting is accurate. Equifax continues to report this closed account. Section 603 ( d ) ( 2 ) ( A ) ( i ) of the FCRA states items that are supposed to be excluded from my consumer report. It states that ANY transactions and/or experiences between the consumer and the person making the report is to be excluded from such consumer report, yet Equifax continues to willfully neglect this law bought under the FCRA by continuing to report this experience between I, and XXXX XXXX which is the person making report.
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 XXXX 

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

I was involved in Equifax data breach and requested that multiple inquiries be removed from my account. Equifax placed a statement on my account within 24 hours and stated the investigation was completed and all inquiries belong to me. There is no way they investigated 40 inquiries in less than a day. according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed. I was unable to speak with anyone regarding my dispute because of the security freeze on my profile. Despite providing the correct information, I could not access anything online or via telephone.