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 a fraudulent activity. 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 identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$73.00}, {$0.00}, {$0.00}, {$0.00}, {$660.00}, {$570.00}, {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$73.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXXwith a balance of {$570.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete this account XXXX, XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) because this is not my account. I have never done any business with this company. I do not know who they are. This company associated with this account does not have any contract with my signature. I Have no relation whatsoever to this company and all parties involved with whoever they are. This accounts information doesn't even make since, EXPERIAN has the open date as XX/XX/XXXX for first delinquency but update as an actual collection on XX/XX/XXXX and as stated earlier I have never spoken to them, never heard them, and never made contact with them because I have no reason as it is not mine. I received no mail about this account which after looking to advice in the CFPB database was supposed to happen in a set amount time .... It is clear it has been furnished in error. As such This account has caused me financial hardship during a recession and as I prepare for a wedding no less. 

Delete this account for violation of 607 - 15 U.S.C. 1681e
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX, {$14000.00} XXXX XXXX XXXXXXXX : XX/XX/XXXX, {$500.00} XXXX XXXX : XX/XX/XXXX, {$1400.00} XXXX  : XX/XX/XXXX, {$400.00} XXXX XXXX XXXX  : XX/XX/XXXX, {$2100.00} In accordance with the fair credit reporting act XXXX these account has violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U, S.C 1681 Soction 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 us 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt. 15 us 1692b ( 2 ) not state that such consumer owes any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have one late payment on my account from XX/XX/2018that dropped my credit score 100 points. It is from an auto loan with Jp Morgan Chase, account number XXXX. My house caught on fire ( XXXX XXXX XXXX ), and we were forced to move, in addition my state was hit with two natural disasters. I had to stay in a hotel, and sometimes mail was being delivered that we did not receive. In addition, my state was hit with natural disaster When I called Chase to explain, they told me they would remove it from my account due to the circumstances. However, when I called back someone else answered and said they wouldn't remove it. I have a 99 % payment history with them, I've never been late and the one time I am has significantly impacted my score. Looking into mortgage it is showing on my credit and not looking well.

Please review the call and you will see that Chase told me that, all your calls are being recorded so Chase bank should have that call, stating the removal and I want Chase bank to honor their word. 

Thank you!!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : American Express under the Acct # XXXX opened on XX/XX/XXXX, XXXX XXXX under Acct # XXXX opened on XX/XX/XXXX, XXXX XXXX Acct # XXXX opened on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This company is called security credit services and they have not answered any of my phone calls in question about a collection that was put on my credit report. It was opened in fraud and this specific company is known for fraud. I have never even heard of this collection. Its stated it was opened on XXXX XXXX and I owe XXXX. I have tried to contact then but I have received no call backs and I put in a dispute and they even said I still owe them money.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$75000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX  XXXX Balance : {$9500.00}
Product: Mortgage

My ex and I submitted all of the documentation required under HAMP and Wells Fargo guidelines to Wells to be considered for a loan modification. My ex no longer occupies the property as his primary residence, though I do. When I initially reached out to Wells Fargo for help, the dedicated loan specialist assigned my case ( XXXX XXXX ), advised me that we did not need to include XXXX whole income since he does not occupy the property. 

Today, I recorded the conversation between XXXX XXXX, XXXX and myself, and recorded him recanting his original advice and then affirming that the only reason that they used his income was to reach the 31 % required for the DTI. 

Mind you, my income is 20 % of the total gross monthly income used by Wells to calculate the DTI. To assume that XXXX should be liable for more than 50 % of the mortgage payment is unfair and unreasonable. And to top it off, the SPOC advised in prior conversations that not all of the income needed to be used. 

Additionally, the interest rate was lowered to 7.125 % when the HAMP floor is 2 %. I am not sure I understand why Wells insists on gouging its customers through higher interest rates when the guidelines specifically allow for the interest rate to be much lower. They also did not extend the term to XXXX years, which guidelines also allow. They kept us at our current amortization cycle. 

It would seem that Wells would rather just take my home than attempt to work with me in a reasonable fashion to resolve the delinquency.
Product: Payday loan, title loan, or personal loan

Paramount Capital Group and XXXX XXXX XXXX are continuing to run a Ponzi scheme against innocent consumers to obtain a commercial driving license, and this time they are lying to the Consumer Financial Protection Bureau. Under a previous complaint ( XXXX ) Paramount Capital Group replied stating they no longer service that fraudulently obtained loan ( XXXX ) through XXXX XXXX XXXX XXXX Like my complaint before I am alerting CFPB that these two entities are running a XXXX  scheme against innocent consumers. This fabricated reply to my complaint further solidifies my position it is a concerted effort by both parties. It is a classic move in a XXXX  scheme, and it must be eradicated to protect future consumers. For this reason, XXXX schemes are extremely unstable and inevitably collapse when there are no more new consumers or when CFPB gets involved. Paramount Capital Group is still using unprofessional gangster collection tactics on me, and they have placed this fraudulent loan on my credit report. They have violated the law and the law must be enforced through the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attached to three student loans from navient formally known as Sallie Mae. These loans were obtained for my husband ( at the time ) XXXX XXXX education. I agreed and co signed on the first loan with sallie Mae for the education institution called for full sail real world education. This was a term of six months totaling {$40000.00} and I signed as a cosigner. This education program extended into 2 1/2 years and two additional loans were obtained. I did not authorize nor sign the second or third loan however for sale real world education obtained the second and third loan by using my Social Security number and my name. I have attached contracts that show my name on a primary line and one of the  loans my name on the primary and co-signer One. These contracts were not written in good faith and does not represent the Department of Education, the company Navient, nor the education facility called for sale real world education .I have spoken with the Department of Education and they have informed me that Student Loans obtain through Sallie Mae now Navient can only be given to a parent using a plus loan or a student using a student loan that a spouse is not eligible nor is it legal to obtain a student loan for a spouse to go to school of any kind. The Department of Education shows no record of my name on any three of these loans and they are aware of the situation. I have attempted through an attorney, myself, The credit bureau and Sallie Mae/Navient to clear this issue up I am still in the same place. I am a single mother of three children I currently work for the XXXX and I had prior military service I am also a XXXX vet. I pay my bills I pay my taxes and I keep my credit as upstanding as I can I also hold a clearance for the United States XXXX. This student loan that I am not responsible for has caused me to struggle financially for the last 8 to 10 years being able to obtain good interest rates car loans mortgage options etc. I am so disappointed The lack of concern in the situation has been given. Although life isnt fair this particular situation is extremely unfair not only to myself but to my children. I hope these words find the right person that is concerned to help resolve the situation. I have attached documents and I have more if needed the situation has been going on since XXXX I have notified Navient of this issue dated all the way back to XXXX. I am hopeful that this could be resolved in a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, XXXX XXXX! 

Update the account to Paid on time and never late. Or remove it from my consumer report.
Product: Credit reporting or other personal consumer reports

I received notification from XXXX on XX/XX/XXXX that XXXX XXXX XXXX XXXX reported me 30 days late in XX/XX/XXXX. However, I have never been late and the attached credit card statement show my XXXX payment was received on XX/XX/XXXX. The payment was due XX/XX/XXXX per statement attached. I personally went to the bank to resolve this issue and the Customer service rep was confused why this was reported. They advised me to dispute this as well.
Product: Debt collection

I have disputed this collection with the credit reporting agency and they reported you confirmed the account as reporting valid. There are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I demand this account be thoroughly investigated and removed from my all my credit file.
Product: Mortgage

Around XX/XX/2019 I started a refinance process with Quicken loans, after going over several loan options we mutually agreed that the company did not have any loan options that made since. However, I was told that I would be released from the loan and as of to date they will not release me from loan so that I continue my search to refinance or will they release my appraisal that I paid for to another company
Product: Money transfer, virtual currency, or money service

________________________________________ I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service 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: Mortgage

Due to the fact I file for bankruptcy. Even though the bankruptcy was discharged 7 years ago. By the way, the mortgage was not part of the bankruptcy. They want the bankruptcy removed. Therefore, due to the fact I am on time with my mortgage. I want you to report my mortgage to the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I have U.S. Bankruptcy Court XXXX UNAUTHORIZED which is not my file on my record. 

I have tried plenty of times to get this inaccurate account removed from bank report which other bureaus have remove except Tranunion
Product: Payday loan

I took out an online loan in the amount of {$5400.00} on XXXX/XXXX/2015. I have since paid a total of $ XXXX-with monthly payments of {$490.00} ( and XXXX still due ). When speaking to the rep on the phone I was advised the interest rate was 110 %. In later review of the loan docs I am finding that is an annual percentage and the total amount paid back ends up to be {$42000.00}, this is obviously not what I thought I was in for. In recent research I am finding these types of loans are not only unethical but illegal in the state of CA, Please review to determine if anymore than the principal balance is legally due. I can not pay $ XXXX and not sure how to proceed.
Product: Vehicle loan or lease

Hi my name is XXXX and my car total loses and we try reach kia finance so pay car in full they bein really rude and don't want to help and all we need from them guaranteed letter so we could pay them and they want to sent it our help out .. so pay them in full. And they don't want to help either and my insurance try to reach them and co parts .. i want get the solve asap and case later i want a new car and I want my credit look good too
Product: Money transfer, virtual currency, or money service

Hello, I created a bank account with Wise, and I encountered an issue where my account was unexpectedly deleted without any reason provided. I was unaware of any violations of Wise 's policies and did not engage in any prohibited activities. I'm filing this complaint in hopes of resolving the matter and seeking assistance in reinstating my account. 

Thank you for your attention to this matter. 

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

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine
Product: Debt collection

In XX/XX/XXXX I deposited my tax refund into my bank account. They did not tell me I would not have access to all my funds. They only have me {$40.00} of it and I did n't know. It was a XXXX dollar refund approximately. My car was in the shop. I used my card to pay for the repairs. It over drafted my acct {$500.00}. Even though my money was in pending status. Now they are after me for XXXX. I have never received a notice. They are threatening legal action and serving of papers. I tried to work out payment arrangments I can afford but they refuse to work with me.