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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Im beyond frustrated after looking at my credit report and seeing multiple inquiries from your company that I never authorized. These inquiries are wrecking my credit score, making it impossible to get decent loan terms, and adding unnecessary stress to my life.
Product: Mortgage

I got wrong payoff amount statement for three parcels had financed on XXXX  by amount of {$300.00} Three parcel belongs to previous owner XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) this here for my property XXXX XXXX XXXX, XXXX XXXX Pa XXXX You sent total amount for all 3 parcels included my property On XXXX your of office sent payoff amount ( attached ) with mortgage papers ( attached ) Now need to get final payoff statement for only parcel ( XXXX ) XXXX XXXX Owner of XXXX XXXX My email XXXX Phone XXXX Address XXXX XXXX XXXX XXXX Pa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - need to remove bankruptcy from my account. I sent them everything they needed and I didnt get anything back. 

Ocwen. Needs to open my account. They have my mortgage as paid off. Its not I make payments. I sent all the information on another complaint. 

XXXX XXXX XXXX all show my account closed. 

I cant use the XXXX boost because I have extra security on my bank account because of ID Theft Please help. Im working really hard to settle all of this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reach out to each one of these companies and ask them numerous of times to remove these account off my credit because i have no knowledge of them but they refuse. I'm guessing all these was done online somehow i'm not sure, but i need these gone off my credit asap. I then tried to dispute but nothing. I'm getting really frustrated with it.
Product: Credit reporting or other personal consumer reports

I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX ALLY Financial paying XXXX monthly I would like my personal information protected 15 USC Code. 2a 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, identityTheft, Not Later than 4 business days after the date receipt. It has been 30 days and they are violation of the law because I am a victim of identityTheft!! PLEASE Delete These item
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX on XX/XX/2020 XXXX Mail # XXXX XXXX XXXX XXXX XXXX requesting them to supply a contract to validate the account or remove the account from my credit report as of currently i still haven't recieved a responses. 

In accodance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 ( A ) States : I have the right to Privacy 15 U.S.C 1681 Section 604 ( A ) Section 2 States : A Consumer reporting agency can not furnish a account without my written consent 15 U.S.C 1692 Section 805 ( A ) States : a debt collector may not communicate eith consumer in connection with the collection of any debt at any unusual time or place or a placr known or which shoulf be known tobe inconvient to the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries on my credit report from : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of identity theft due to a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these unauthorized items removed. 
Accounts to Block and Delete XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$8900.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1200.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$800.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$340.00} XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$5700.00} Inquiries to Remove XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

It wouldn't let me send the money Account And secure number
Product: Money transfer, virtual currency, or money service

I have a XXXX XXXXt account, and never seen or noticed the fine print stating I need to save the XXXX digital phrase words to access the account if/when I logged out to get back in... 
I got a new phone and didn't realize all my apps and wallets wouldn't open up automatically, I thought all I needed to do was enter my username and password and I could log back in ... .not realizing with XXXX XXXX XXXX I needed the XXXX word recovery phrase... 
Now I can't get in the account and I have about {$30000.00} scattered amongst different coins in this XXXX XXXX  account I am putting in a claim so I can either continue using the account or retrieve all my funds... the account was opened XX/XX/2021, using my legal name, address, phone, DOB & social security # please email or call me & let me know what the next steps are.. XXXX or XXXX Thank You XXXX XXXX
Product: Debt collection

This debt is about 17 years old and I remembered that I have this debt account closed by cross country. Now some new copy pay who is 3rd party have been.sendingme letters.
Product: Mortgage

I submitted a written Request by fax and US postal mail to PennyMac 's Correspondence Unit in XXXX XXXX, CA on XX/XX/2021. This request was to Cease and Desist All Telephone Calls to my resident and cell phone number. It has been completely ignored by consumer law. I get call frequently everyday, especially during my dinner hours and on the weekends. My loan account is not delinquent, and when it is late I completely include my late fees. Last month I paid {$750.00}, when my payment is only {$710.00}. My loan account has never been 30 days late or a month in delinquency. It is not in collection either, or should not be. I want this company charged a penalty or fine for ignoring the consumer laws regarding collections and more. The Fine should be sent to me for harassment and deliberate attempt to collect a payment that is not a month behind, and has never missed a month of payments. See attachments I have sent to them since XX/XX/2021.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have never signed or agreed to a contract with Sunrise Credit Services. Sunrise Credit Services ( based out of NY ) is not licensed or bonded to collect in my state ( GA ). I do not owe Sunrise Credit Services because I never received a service from them nor did business with them.
Product: Vehicle loan or lease

XX/XX/XXXX Pentagon Federal Credit Union XXXX XXXXXXXX XXXX VA XXXX Re : Used Auto Loan number XXXX XXXX XXXX XXXX XXXX VIN Last Four : XXXX To Whom It May Concern, The present is to file an official complaint to Pentagon Federal Credit Union and to request an immediate removal of the CPI ADD {$1900.00} to my loan balance. 

On XX/XX/XXXX ; I called the PenFed call center and was advised the fee was added because I did not have auto insurance of the financed car listed above. I was also advised my monthly fee was increased from {$360.00} to {$480.00} per month. Not only was my loan balance increased but also my monthly payment. This is financial abuse and predatory lending practice.

First, I have always carried auto insurance on the financed vehicle. As you can see from Attachment 1 and Attachment 1A the cited vehicle was insured. 

Second, I was just advised of your insurance requirements. No more than {$2000.00} deductible and full insurance. The PenFed website does not cite such requirements. See : https : //www.penfed.org/auto/used-auto-loans and when I called to finalize the loan, none of the loan officers advised me of such requirements. Their only concern was to sell XXXX XXXX which I purchased from you. Please see Attachment 3 to verify my updated auto insurance policy. 

Third, I have set up automatic payments to this loan from XXXX XXXX XXXX XXXX for the amount of {$360.00} ONLY. Since the amount submitted for the XXXX payment was higher, XXXX XXXX automatically rejected the payment. 

I request that my demand be reviewed and my loan returned to the original which I agreed to. Please remove any return payment fees, late fees, CPI ADD fees and my loan amount needs to be revised to the original amount. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX VA XXXX XXXX Certified copy mailed to : XXXX XXXX XXXX XXXX XXXX Consumer Assistance Center XXXX XXXX XXXX, XXXX, VA XXXX CFPB Submitted online https : //www.consumerfinance.gov/complaint/
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries were made to my credit report with all three credit reporting agencies on XX/XX/20, XX/XX/20, and XX/XX/20 for what appears to be the purpose of a credit application with Cabelas for a Capital One credit card. My credit report has been frozen with all three agencies at this time.
Product: Debt collection

My previous case # was XXXX - unsolved and new information below To whom it may concern I am writing this letter because I have already attempted to get a validation for late payments being reported to reporting agencies by Cross Country Mortgage. After receiving a letter back from XXXX XXXX, she stated in her findings that I was in the process of getting a loan modification when the account was sold and transferred to another lender which means I no longer owed Cross Country and now my debt was with the new company. I am writing because when I was in that process of loan modification and obtaining a forbearance, I was told no late payments would be reported during that process and before it could be fully modified the account was sold and they did the modification for me. What I need from your company is the XXXX negative late remarks being reported to the reporting agencies removed from my file. I am asking for a goodwill letter request and would like a Universal Date Form faxed over or mailed to all reporting agencies to be sent out on behalf of Cross Country. There is no need for Cross County to maintain these negative remarks as I have no debt with this company and these remarks are causing me a great harm financially on my background. I am asking for a good will request and have all negative remarks removed or show the proper debt validation that these payments were late even though I was in the process of a loss mitigation and was told no late payments would be reported during that time. 

Once again, it cost your company nothing to remove these negative remarks from all reporting agencies In my previous complaint no resolution was given, and I was not supplied with information I requested. Only given dates of events. I requested validation of the late payment remarks and money said owed proven. I applied for loan modification and before this lender could approve it, they sold my account, and the new company finalized the loan modification and all debt owed was removed. this company needs to remove negative remarks from all reporting agencies.
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 {$8000.00}, {$300.00}, {$0.00}, {$920.00}.

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 credit limit of {$8000.00} -This is not my account. 

2. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 


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

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account owned by XXXX CARD, Account # XXXX is a credit card that was opened fraudulently and disputed. They refuse to remove the account from Experian and after directly sending them documentation and disputes via certifies USPS they have not responded in a timely manner. I have sent them numerous disputes containing my identifying information as well as details of my dispute and i continually get a generic response of them requesting I send documents that were INCLUDED in each of my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2019, I needed a bank check because I was closing on a house purchase. Some of the money for this check was from my account and XXXX of the money was cash that I brought into the bank ( XXXX XXXX dollar bills ). The bank teller at Wells Fargo in XXXX, Minnesota took my cash and ran it through the bill counter and very quickly placed it in the cash drawer. I asked her how much money she came up with and she said XXXX. I indicated to her that wasnt correct. She was evasive and would not look at me or converse. Her behavior was very suspicious. Due to time constraints of the closing I was rushed and did not process what had just happened. I was shorted XXXX dollars and never showed the bill counters receipt of what was counted which is the procedure. It was suspicious that she quickly placed the money in the drawer without telling me what she had come up with. I had to ask. I later processed what had happened and decided to make a complaint to the bank. I asked the bank to review their video surveillance to see what had actually happened and to see if the teller had skimmed the XXXX dollars at a later time. The bank teller supervisor ( XXXX ) was unable to produce the money counter receipt and she admitted to me the procedures were not followed. She said she couldnt review the video and I was directed to a corporate staff member. Her name is XXXX telephone number XXXX. I talked to her once and have never been able to reach her again. She has never called be concerning this investigation. Ive tried to call her many times to no avail. The call goes to her voice mail where the box is full. It directs you to an operator where the call just hangs up. The local bank staff tried the number as well and had the same results. The local bank staff appeared to want to help me but were unable to make this decision and said they would run this issue up the chain of command. This process of spinning me went on until the first week of XX/XX/XXXX when the bank manager told me her boss had decided against me. I asked for explanation and was told they couldnt tell me anything. I asked for the evidence of the receipt and video results so that I could understand. Ive asked for procedures to be explained when counting cash. They will not explain them to me. I have visited other Wells Fargo Banks and they discussed and provided proof of all discrepancies regarding cash. She said she couldnt provide me with anything. No due process! I believe a federal crime has been committed by this bank teller. The bank is covering this incident up.
Product: Mortgage

Our mortgage company, Ocwen Loan Servicing, has reported our payment for XXXX 2016 late to all credit bureaus because it was made in on XXXX XXXX, 2016. There where only 29 days in XXXX.
Product: Credit reporting

Section 8 Housing denial and I have 10 days to appeal. If I ca n't view or get my XXXX credit reports, how the XXXX am I expected to file a complaint?
Product: Credit card

I have a XXXX credit card, through Synchrony Bank. Rather than getting electronic statements, I prefer to get paper statement for this account. They are charging me a fee of {$1.00} for month to do this. I have always thought that I am entitled to get a paper statement. I would like the {$1.00} and any interest I might have been charged as a result of the fee refunded to me.
Product: Credit reporting or other personal consumer reports

My student loans have been discharged. I have been working with the dept of education for months to resolve this. Yet the loans are still on my report
Product: Debt collection

The agency contacted me and did not identify who they were or the call was in reference to a debt collection. The caller asked me to provide my date of birth without even telling me who they were or why they were calling. I informed the caller I would not provide the information until I knew who they were or why they were calling. She stated, " I 'll note you refused to verify and we 'll proceed. '' The caller then hung up. After calling the number back and discovering who they were ( a debt collector ), I realized their " proceed '' meant take legal action. I attempted to speak with another employee at the agency and was again transferred to the same lady who initially called me ( XXXX ). When I asked to speak to a supervisor, XXXX rudely stated that this would be the " last time '' I could speak with anyone, which I assume meant they were " proceeding, '' which further indicates taking legal action. How is it legal to contact someone about a debt owed, not identify who you are, ask for personal, sensitive information, and when one refuses to give out such information, note thy refused to work with you? Why would I willingly give a stranger my date of birth, and how can I be provided the opportunity to pay a debt if I do n't know who is calling me? This company needs to provide their customer service representatives with additional training at the least.