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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX I Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Unathorized accounts & inquires on my Credit report. According to the Fcra Any Unathoriized items on my report must be removed if not % 100 accarute & Verifiable. Please Remove this From my report
Product: Credit card

Its XXXX Accounts but same company SYNCB/Signature and STNCB/ CareCredit XXXX both of them kept hitting me with late fees. The furniture store was running a promotion and I got some furniture from them and the had to send out people 4 times due to inexperienced workers, not having proper tools, and them bringing the wrong headboard and ripping the other headboard. I had the store manager contacted and they tried to help. I was making my payments but again I didnt know it a time frame and then they will submit it the following day which makes it late. So both of them closed my accounts and have been tacting interest, upon calling at unGodly hours harassing me from numerous numbers pretending to someone else then introducing themselves. I called them both to see if I can get the account fixed but then told its too late and they closed it and I asked for management and there was no help there, so its impossible to pay them back and I cant even use the cards. Its been affecting my credit badly. I want these negatives remarks to go away for its affecting my life when it comes to getting a rental property for my family.
Product: Credit reporting or other personal consumer reports

Dear Equifax I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


My current and only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. 


My SSN : XXXX You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is XXXX : XX/XX/XXXX. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


Thank you, in advance, for honoring my requests. I would like an updated version of my corrected profile as soon as you have deleted the inaccuracies Ive listed above. 


Sincerely, XXXX XXXX
Product: Debt collection

I am writing to dispute an account # XXXX fraudulently opened in my name. I am a victim of identity theft. Midland Mortgage is attempting to collect an alleged debt on the basis of fraud. Midland decided to ignore my demands for ValidationValidation of the debt XXXX XXXX, XXXX and XXXX.I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). UCC 3-501 also requires servicer to show authority to make demand for payments, if it does not own the note, but is merely servicing it. In the event a note holder or servicer or will not exhibit the note or perform other legal requirements when requested to do so by the borrower, this UCC section allows the borrower to discontinue payments WITHOUT DISHONOR until such time as the note holder or servicer complies with all laws or contract provisions. I would be happy to pay any financial obligation I might lawfully owe as soon as these documents are received. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Please provide all the requested documentation requirements on the Notice and Demand to Cease and Desist Collection Activities Prior to Validation of Purported Debt dated XX/XX/2021. I request that you immediately CEASE and DESIST all actions with me. Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all actions with me. With this notice, under the law, you can now only contact me to : To advise me that your company 's further efforts are being terminated ; To notify me that your company may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or Where applicable, to notify me that your company intends to invoke a specified remedy. Unjust enrichment, fraud on the homeowners and consumer. Midland actions among others are violations of the federal Fair Debt Collection Practices Acts ( FDCPA ) of multiple state and Federal laws. Intentional act of fraud. Fraud, deliberate concealment of material information, fraud is a felon. This is XXXX in commerce, Fraud, XXXX, and XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND XXXX XXXXXXXX BANK HAVE REPOTED LATE PAYMENTS AFTER ACCOUNTS HAVE BEEN CLOSRD. MONTHS LATER. THEY THEN AFTER DISPUTINNG SUBMITTED NEW CLOSED DATES SO THAT THE LATE PAYMENT FILINGS COULD STAY ON REPORT. 

THERE ARE XXXX DATES OF ACCOUNT CLOSING. XXXX AN OFFICIAL DATE OF CLOSURE THEN ANOTHER LISTED IN THE " PAYMENT HISTORY '' SECTION OF REPORT. XXXX DISPUTED AND BROUGHT TO CREDITOR AND DISPUTED WITH BUREAUS ... .NOTHING HAS BEEN DONE... .SEVERAL DISPUTES FILED... WHEN I BRING IT TO THEIR ATTENTION... XXXX TOLD TO FILE ANOTHER DISPUTE. WHEN I SAY XXXX  DONE XXXX OR MORE LOOK AT THEM ... XXXX TOLD THEY ARE CLOSED AND CANT HELP ME... SO THEY DONT WANT TO LOOK AT THEM. 

WHEN I QUOTE THE F C R A REGULATIONS AND ASK HOW THIS CAN BE ... THEY SAY XXXX RIGHT .... '' BUT THEY CANT REMOVE '' CREDITOR HAS TOO. XXXX STUNNED ... IN MY FACE AND IN THEIRS ITS WRONG AND THEY REFUSE TO REMOVE UNVALIDATED DEBTS AND WRONG / FALSELY REPORTED NEGATIVE INFO... XXXX REFUSE TO DO SO AND TELL ME " THATS ALL THEY CAN DO FOR ME IS FILE ANOTHER DISPUTE ... XXXX HAVE EXPLAINED YOUR OPTIONS I AM GOING TO END THIS CALL BECAUSE I CANT HELP YOU '' I HAVE RECORDED CONVERSATIONS OF XXXX  FROM EACH BUREAU TELLING ME THIS. 

XXXX  IS ANOTHER ... PAID OFF ACCOUNT XX/XX/XXXX. XXXX XXXX. DISPUTED IT ... XX/XX/XXXX RESPONDED INFO IS CORRECT... DISPUTED AGAIN IN XXXX... XXXX... SAME THING ... WHEN I ASKED FOR WHAT DOCUMENTATIOM THEY COULD POSSIBLY GIVE YOU SHOWING A BALANCE OWED... THEY REFUSED TO TELL ME OR OFFER ANY INFO... .SO I ASKED THEM ... .WHAT COULD THEY POSSIBLY GIVE YOU AS PROOF ... WHEN I SUBMITTED XXXX  FROM XXXX  " THANK YOU FOR YOUR BUSINESS LOAN IS PAID OFF ... WOULD YOU LIKE TO PURCHASE ANYTHING ELSE '' EVEN HAD THEM ON PHONE WITH XXXX BUREAU ... XXXX PAID IN FULL... THEY STILL DID NOTHING ... .AND HAD NO WAY OF VALIDATING CREDITOR REPORTING ... I HAD EMAIL ... .ITS STILL LISTED AS OPEN... AND XXXX CREDITOR REPORTED IT OPEN STILL ... XXXX ASKED FOR PROOF IT WAS... THEY HAD NONE TO OFFER ... .I THOUGHT THEY HAD TO IMMEDIATELLY REMOVE ... .TOOOOO MUCH TO TYPE ... .TOO MUCH MORE ....
Product: Mortgage

FREEDOM MORTGAGE services my home loan. I received an escrow shortage notice from them that gave me the option to either avoid an increase of my monthly mortgagepayment bypaying off the shortageamount in full, or I could opt to fold the shortage into my monthly mortgage payments, which would resultin an increased monthly amount due. I chose to pay the escrowshortage in full. This payment was made to Freedom in XX/XX/year> and I called their customer service department to confirm that the paymentwouldbe applied to the escrow shortage. I was told that it would, however Freedom failed to do so, I calledFreedom customer service again in XX/XX/year> to make the same request and was assured that this time it would be done. However, to this very day, Freedom has still not applied the escrow payment and lowered mymonthly mortgage amount. Freedom is purposely misapplying paymentsto fabricate their receivables. This is fraud.
Product: Money transfer, virtual currency, or money service

I am filling this complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violated the Customer Financial Protection Act. 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 and Regulation E. These actions have caused significant inconsistent and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In 2022, I hire company to do credit repair,, I never really seen any results, maybe XXXX item were deleted. I was paying company {$60.00} a month for the service
Product: Credit card or prepaid card

On XX/XX/19 I made what was deemed a purchase to an online company called XXXX XXXX XXXX, XXXX XXXX   XXXX with my XXXX XXXX XXXX Mastercard for XXXX. On the website it stated a XXXX fee was to be charged. 
As I do very month when my statement was posted online I paid my balance in full. I later saw that interest and a XXXX were being charged on my account as well. I called Barclay 's bank and was told that was due to my cash advance with XXXX XXXX. I told them I didn't authorize a cash advance, was never informed that this charge was one and hadn't done so in 35 years. 
I told Barclays I wished to dispute this charge, I was put on hold during which time I attempted to contact the merchant several times to no avail. A simple XXXX search listed numerous complaints of predatory practices against this company. 
When the customer rep returned they stated to contact the merchant and they wouldn't be disputing the charge and I should refer to the terms of my credit card user agreement. After speaking to several barclay reps I'm still getting charged interest thus far of XXXX, despite paying my balance off again in full again and paying extra on my card. When Ive called Barclay 's several times each customer rep also continues to gives me different information of how to pay off the unauthorized cash advance balance.
Product: Checking or savings account

I was payed a two thousand dollar check, which I submitted to my Chase bank checking account on XX/XX/2019. The payment of two thousand dollars was paid from an existing account also belonging to Chase bank. Chase did not recognize their own account, and decided it wasnt safe to transfer from even though it was from their own establishment. Resulting in a withholding of funds. I understand this is done often as a safety measure to make sure checks dont bounce, but as a rule an established check, or a check paid from the same institution should not be withheld. I called Chase bank on XX/XX/2019 to complain, but they refused to acknowledge their own account as safe to draw from, and did not withdraw the hold. I have been with Chase for many years, and they have a repetitive history of placing holds on checks that are safe to draw from, including checks from the federal government Ive received from taxes, which are an established trusted accounts. When these accounts are being held so often when its not deemed necessary, I believe Chase is taking advantage my deposits at my own expense, and this abuse of power in fact should be illegal and be investigated.
Product: Mortgage

I have paid in full my loan to XXXX XXXX XXXX. They stated that the check for the remaining escrow would be mailed in 20 days after XXXX XXXX 2017. It is being mailed out from the office in new jersey. I live in jersey. I have not received the check. The customer service agent didnt seem to know when it would be mailed out and when pressed she said it was mailed out today. i do n't believe them and there dragging there feet. Ita not there money. They do n't care. But it means alot to us.this is the email. 

Loan No. : XXXX XXXX XXXX : We reviewed your file and see that you spoke with a customer service representative earlier in the day. 

Your escrow refund check will be mailed to you 20 business days after XXXX XXXX, 2017. 

If you are refinancing, the escrow refund will need to be deposited with your new financial institution in order to avoid having a shortage in your new escrow account. 

XXXX PLEASE BE SURE TO INCLUDE YOUR LOAN NUMBER ON ALL DOCUMENTS AND PAYMENTS SENT. *** If you have any further questions, please log in to your account and send us an email through the " Message Center '' link. 

Thank you for providing us with the opportunity to assist you. 

Kind regards, XXXX XXXX Email Support Representative
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights privacy under 15 U.S.C 1681. 

XXXX XXXX account # XXXX # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 states I have the rights to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below were reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be removed from my file immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I am writing to the CFPB today to report what I feel is unfair practice by TD Bank. On or around Monday XX/XX/XXXX, I applied for a personal loan in the amount of {$13000.00}, this loan was for the restructuring of some debt, to pay off a car, and a credit card. My loan application was erroneously not submitted for 7 days by the branches asst. Manager XXXX XXXX, I finally got ahold of XXXX on the XXXX of XXXX ( after 6-8 calls and messages were left with her ) to let her know that I recieved no update about the status of my loan, which was promised to me within 24-48 hours. She told me that day ( XX/XX/XXXX ) that my loan had been declined. On friday, XX/XX/XXXX, I met with my father at another TD bank branch so that he could cosign another loan application for me, as this money was very important to me. On Saturday, XX/XX/XXXX I got a letter in the mail stating that the loan application ( the one erroneously sent in late ) made on XX/XX/XXXX, was, of course, declined. This started a VERY stressful saga for me that as of Tuesday XX/XX/XXXX finally culminated in me closing on a loan in the amount of {$13000.00}. However my issues go further. Roughly {$470.00} of this loan was used to close an existing loan, which was closed XX/XX/XXXX at the time of closing, the loan was removed from my mobile banking application. However, the morning of the XXXX I checked my banking app for TD bank, and found the loan amount for roughly {$470.00} had reappeared. I talked to the branch asst. Manager who closed my loan, and she stated that the loan was closed, but due to how close the time was between closing and my payments coming due, that I would end up paying an additional {$230.00} payment towards this already closed loan, which would effectively be giving TD bank, an interest free loan that theyre *Supposedly* going to be refunding me in 7-10 days. I urge the CFPB to do everything in your power to please look into this as soon as possible, as I feel this is predatory, and with todays technology issues like this should not exist. 
Edit - I did not realize at this point in time that I would have the ability to send documentation, all of which I do have, I will get it scanned and digitalized for your use upon request.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/XXXX ChexSystems XXXX XXXX XXXX, MN XXXX XXXX Subject : Dispute of Unauthorized Hard Inquiry on Credit Report Dear Sir/Madam , Hi how are you? I hope you doing good. I am writing to formally dispute a hard inquiry listed on my credit report, which I believe was not authorized by me. The inquiry in question appears on my ChexSystems report dated [ XX/XX/XXXX ], under the name of [ XXXX XXXX XXXX XXXX ]. 
I did not authorize this inquiry, nor did I apply for credit with this company. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or incomplete. I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report. 
For your reference, the details of the disputed inquiry are as follows : * Inquiry Date : [ XX/XX/XXXX ] * Name of the Company : [ XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, NEW YORK, NY XXXX ] Please confirm the removal of this unauthorized inquiry or provide me with documentation supporting the legitimacy of this inquiry within the timeframe required by law. 
If further information is required from my side to facilitate the dispute, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX XXXX XXXX