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 identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I requested for XXXX XXXX  to put me on a hardship plan for my credit card because I was having a hard time making the payments due to the XXXX XXXX XXXX XXXX I made the first payment in XXXX. When I needed to make the next payment in XXXX, my main bank, XXXX XXXX XXXX, experienced an outage making it impossible for me to access my funds. I called XXXX customer service with XXXX XXXX on the phone. I was told I could make the payment at anytime after I explained the situation. When I requested the hardship, I took for granted that I had requested a hardship before and completed the hardship. When I call XXXX, the XXXX service is often offshored creating a communication barrier, in addition to that, I just lost my XXXX XXXX XXXX daughter to XXXX  and my mind was malfunctioning but I NEVER ASKED TO CLOSE THE ACCOUNT. I looked at my credit report and saw the account was closed which was confusing to me because I never asked for it to be closed and thought I was on the hardship program again. I called and spoke to a rep on XX/XX/year> who told me that if I paid {$30.00} right then, my account status would change. I paid the {$30.00} over the phone with this rep. I specifically told him I needed it not to reflect as closed on my credit report because I need to purchase my own home due to rents in MO being too high. Now, I am paying on an account that is closed an lowering my score. When I log into my account on the app it does not say the account is closed. I still get emails and texts about statements and my available balance so receiving those also led me to believe that I was on the hardship and my account was open. I called XX/XX/year> asking about all this and was told the calls would be pulled and someone would call me back.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX  XXXXKY XXXX Fay Servicing XXXX. XXXX XXXX XXXX Texas XXXX Account number XXXX I have been trying unsuccessfully to acquire a mortgage statement from Fay Servicing for activity on my account. On XX/XX/XXXX I was told by customer service that the statement generator was turned off on my account on XX/XX/XXXX, and that statements do not exist. This is a direct violation of the Periodic Statement Rule set forth by the U.S. government protecting consumers. I was also told on the same date, unbeknownst to me that I have an APR ( balloon ) payment that came due on XX/XX/XXXX. I have been making the payment every month for over a year, as if there were no problems with my account, and I was never notified of any balloon payment, its due date, or action needed. 
It is clear the intentions of Fay Servicing in this matter. They intentionally turned off the statement generator 2 months before the maturity of the balloon payment as to not allow me to know of any action needed. Without knowledge of the balloon payment due, it would look like I didnt pay the mortgage and allow Fay Servicing to Foreclose on my property without any knowledge on my part. Without knowledge I can not foresee where the more than one years of payments have been assigned. 
This is clearly deceitful and underhanded. As I have made my payments regular, the action of Fay servicing can be clearly perceived as theft by deception.
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning, only to find inaccurate accounts listed for reasons unknown to me. This was unexpected, as I frequently monitor my report and have never encountered such discrepancies before. Hoping it was just a glitch, I refreshed my browser, but the errors did not disappear. Because of this, I ask that my submitted documents be reviewed carefully so that I can put this issue behind me.
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 violates the 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 didn't comply with error resolution requirements under the EFTA and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact the IRS to take measures. I soon received a call from a collection company as well that I owed them money. Everything was making sense after I found out my identity had been compromised. My name and social security has been used for quite some time now and there was several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$790.00}
Product: Debt collection

still reporting on my credit from XXXX saying missed payments and refuse to remove comments that are damaging my score
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent accounts on my credit report. Upon reporting the case of identity theft, I promptly contacted the companies associated with these fraudulent accounts. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be promptly removed upon submission of the required FTC report. 
It is noteworthy that both XXXX and XXXX have already purged these accounts from their records after identifying and correcting an error. I am puzzled by the continuation of verification for these accounts by your bureau when other agencies have already eliminated them. I urge you to expunge these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. I insist on immediate action to remove these fraudulent accounts from my credit report, as the companies have acknowledged their fraudulent nature and agreed to their removal. Please delete these fraudulent accounts promptly, as they are the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, 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 to privacy and confidentiality under 15 USC 1681. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven 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: Debt collection

I DID RECIEVE INITIAL BILLING ON THIS AND PROVIDED INSURANCE INFORMATION FOR BILLING AND THEN NEVER RECEIVED ANOTHER BILL. THEN IT APPEARED ON MY CREDIT. I HAVE DISPUTED IT ALREADY XXXX ON MY CREDIT AND ASKED THAT THEY SEND DOCUMENTATION FOR THIS ACCOUNT SUCH AS COMMUNICATION CORRESPONDENCE FOR BILLING ATTEMPTS AND OR ABY AND ALL CORRESPONDENCE. NOTHING WAS EVER SENT.
Product: Debt collection

This is a debt from HSN, bought by XXXX. They NEVER contacted me in writing about buying this debt. The first contact from XXXX was when I was served with legal papers about the debt. I have never received a bill or letter stating they bought the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

- The work number have wrong data on my file. 
- XXXX accessed my data without my written permission.
Product: Vehicle loan or lease

On XX/XX/XXXX I received a letter from Coastal Credit LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX Tel : XXXX. I and {$1900.00} left on my loan with them after my vehicle was totaled in a car accident on XX/XX/XXXX from a lady running through a red light and XXXX XXXX XXXX. Coastal Credit stated in letter if I paid 40 % of the {$1900.00} which is {$1100.00} as in letter. <P/>When my insurance ( XXXX XXXX ) learned that I was not salvaging my car they sent over {$1000.00} to Coastal Credit LLC. I then phoned Coastal Credit on XX/XX/XXXX and spoke to a Supervisor XXXX XXXX ( I think that is how you say or spell his name ). I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. <P/>Anyway when I called Coastal Credit LLC on XX/XX/XXXX and said I would like to pay remaining on settlement offered which expired on XX/XX/XXXX.  Coastal Credit supervisor XXXX said I had to pay 40 % on whatever was left on XXXX XXXX and something instead of what was offered in letter. Letter said one thing and Coastal Credit did another thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a settlement with AE to pay for less. 
They are still reporting that i owe monthly payments even though i do not. 
It has been charged off and settled. 
Please have the acct removed.
Product: Debt collection

HIPAA VIOLATION / CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT.
Product: Mortgage

I requested a payoff statement from my mortgage company AmeriHome Mortgage ; dated XX/XX/22. 

The interest reflected in the payoff statement is from XX/XX/22 - XX/XX/22 ; in the amount of : {$1200.00}. 

This means each day I'm charged interest in the amount of : $ XXXX XXXX = {$41.00} is charged daily for interest. 

I went to my bank on XX/XX/22 and wired the payoff amount to AmeriHome on XX/XX/22. 

My mortgage was paid off as of XX/XX/22 I'm owed back interest amount from XX/XX/22 XXXX = 28 days I was charged interest for days after I paid off my mortgage and wired the payoff amount to my mortgage company and was never refunded for that amount. 

I'm owed $ XXXX * XXXX ( XX/XX/22 - XX/XX/22 ) = {$1100.00} AmeriHome Mortgage charged me interest on a mortgage which I paid off as of XX/XX/22 and has kept that amount and has not refunded me the interest amount that's owed back after paying off my mtg. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

After learning about the power in my credit report I realized I have a large amount of unauthorized inquiries on my report. I have disputed unauthorized inquires on my credit report for over a course of 6 months. The inquires have not been removed or deleted with out any verifiable information. This is hindering me from gaining financial leverage. The credit bureaus have done NO investigation into this matter nor provided any proof. 

XX/XX/XXXX was one of the last disputes I filed before making this complaint and I have heard nothing back from the company at this point they are ignoring my request ... the unauthorized inquiries have no open accounts attached to them nor do I know where they came from ... 

for example XXXX XXXX  for XXXX XX/XX/XXXX ran a hard inquiry on my report with out my consent and has left an inquiry that will not be removed.. I have asked to company to remove it ... I have now closed that account due to the shady busy. 

the following attachments will be the full lists of inquiries on my report the are unrecognized and unauthorized.
Product: Checking or savings account

I will have sufficient funds in my account and then I will have a bunch of transactions pending and then a week or two later I will be have negative funds. Its not fair when we know we have money and then boom its gone. It would take the money out of my account and still say pending charge like what.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XX/XX/year> Equifax. XXXX XXXX, XXXX, GA XXXX Subject : Demand for Immediate Account Removal Due to FCRA Violation To Whom It May Concern, I am writing to formally demand the immediate removal of the following account from all credit reporting agencies due to your blatant violation of the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX Under FCRA Section 1681s-2 ( a ) ( 3 ), it is your legal obligation to notate an account as in dispute once a consumer challenges its accuracy. You have failed to fulfill this requirement, despite my previous dispute notification. This constitutes a serious violation of federal law and demonstrates your reckless disregard for my rights as a consumer.

Your failure to properly update the dispute status of this account means you are reporting false and misleading information. According to FCRA 1681s-2, this violation provides me with automatic grounds for account removal.

I am demanding that you : 1. Immediately remove this account from all credit reporting agencies.

2. Provide written confirmation of the accounts deletion within 15 days.

Failure to Comply Will Result in Legal Action : If you do not comply with this demand, I will take the following action without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Pursue legal action under FCRA Sections 1681n and 1681o for willful or negligent noncompliance, which may include claims for statutory damages, punitive damages, and attorneys fees.

This is your final opportunity to correct your violation and avoid legal consequences. I expect your full cooperation and confirmation that the account has been removed from my credit report.

You have 15 days to comply with this demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the wake of the XXXX hack, affecting 143million accounts, I have attempted to place a credit freeze with all three major credit reporting agencies. I have gotten a busy signal multiple times or their site has been down. It is unacceptable that I can not place a security freeze on my account because a company valued at > $ 1billion can not accept calls ( nor keep its personal data secure in the first place ). These attempts at a phone call or website access have taken place multiple times from Mon ( XXXX ) to Weds ( XXXX ).
Product: Credit card or prepaid card

XX/XX/XXXX : I receive a letter in the mail from Netspend concerning an account that I closed back in XXXX. The letter was dated XX/XX/XXXX, and it stated that my account was issued a refund for Foreign Transaction Surcharge fee associated with returns and reversals. 
The letter also stated that this refund was sent to my account on XX/XX/XXXX. 
Again, I closed this account, but if theres funds leftover in it now, then I want my XXXX funds! By the time, so had gotten the letter, their call center was about to close. HOWEVER ... I still called just to see if I could some assistance, but no. Their automated voice bot makes you go through their menu and then while waiting on hold, this bot has the audacity to tell customers to solve our issues online through Netspends website due to the lack of customer support because of COVID-19. So, I sent an email. ( Spoiler alert : I still got no help ). 

XX/XX/XXXX : I finally got a response to my email that I sent yesterday to customer service, and Ill attach a screenshot that shows that customer service just gave me the run around by informing me to contact their support line because theyre unable to help me via email due to data concerns and other XXXX. Yet, their automated voice bot on the support line tells customers to go online and solve our issues ourselves. 

XX/XX/XXXX : I file a complaint to Consumer Finance to let them know that Netspend is using the pandemic as an excuse to avoid helping their customers with their financial problems during a pandemic. 

Note : I attached a picture of the letter, and the unhelpful customer service response to my email.
Product: Debt collection

The have repeatedly called my home and work after I have asked that they stop. They are not the actual creditor, but a third party collector. They are rude and threatening. Even when I asked them to stop calling my job they said they would not stop. there are calling me from several different numbers, including blocked numbers. They are calling from thee numbers ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Irecentlyreviewedmycreditprofileandnoticedinaccuraciesandfalse accusations by Nelnet. Iam formally requesting that thesebeinvestigatedproperlywith immediacy. 

Account one has a balance of {$28000.00} and account two has a Balance of {$36000.00} NELNET continues to report 2 Delinquent accounts inaccurately on my credit report.

-Showing Different account numbers -This creditor does not own this account -Each Bureau shows a Different date of last activity -This account has been re-aged -They are reporting payment after this account was closed -They are reporting this account as transferred -Different dates listed under date of last payment -I disputed this account but nothing was sent to me legally to verify ( There is no indication that I disputed this account on my credit profile )
Product: Credit reporting or other personal consumer reports

XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, D.C. XXXX Re : Failure of TransUnion to Address Disputed Accounts Reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to file a formal complaint against TransUnion regarding their failure to properly investigate, validate, and/or remove inaccurate information on my credit report. Specifically, there are accounts listed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I believe were included in my bankruptcy and should not be reported on my credit profile. I am requesting your assistance in holding TransUnion accountable for their failure to comply with my legal rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Despite filing my initial dispute with TransUnion on [ insert date ], which provided clear evidence that these debts were discharged in my bankruptcy proceeding, they have failed to either validate or remove these accounts. This constitutes a violation of the FCRA, Section 1681i, which mandates that a consumer reporting agency conduct a thorough investigation of any disputed information and correct or remove it if it can not be validated. 

I have made multiple attempts to work directly with TransUnion, but they have continuously failed to act in good faith to resolve this issue. This ongoing failure to comply with the law not only misrepresents my financial history, but it has also caused significant harm to my financial health. As a result, I am requesting monetary relief for the damages I have sustained as a result of TransUnions actions.

Under the FCRA, particularly Section 1681b and Section 1681o, I am entitled to seek damages, including but not limited to compensation for emotional distress, economic loss, and the negative impact on my ability to secure credit, loans, and other financial products. I understand that other consumers in similar situations have successfully received monetary compensation through the CFPB due to the willful non-compliance of consumer reporting agencies like TransUnion.

To summarize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts were discharged in my bankruptcy, and therefore, should not be reporting on my credit. 
TransUnion has failed to respond or take appropriate action on my disputes despite clear evidence. 
I am requesting that TransUnion immediately remove these items from my credit report and provide me with monetary relief for the damage caused to my financial health. 
I respectfully ask for the CFPBs intervention in this matter to ensure that TransUnion complies with the law and compensates me for the harm they have caused. Thank you for your attention to this important issue. I look forward to your prompt response and resolution of this complaint. 

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

XX/XX/ began disputing credit report. Experian, XXXX XXXX, XXXX et al have reported inaccurate information on credit report and have not deleted information reflecting an accurate credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a balance of {$5400.00} when I unfortunately had to file for bankruptcy back in XX/XX/XXXX. This account was not included in the bankruptcy -- I paid the entire amount owed ( {$5400.00} ) per XXXX XXXX 's instruction - {$170.00} for 30 months -- this amount was marked paid in full. Reference no. XXXX -- please update my credit report to reflect the correct information -- thank you!!
Product: Credit reporting

I submitted a dispute with Equifax over a charge off account reported incorrectly on credit file with Equifax. I followed a dispute and passed XXXX days of investigation with wrong balance on file. Also, as today ( passing XXXX days ) it shows as pending, therefore, my credit is being affected due to delay in their end ( Equifax ).