23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 items listed 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 is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

To Whom it may concern, This is my third complaint. I am writing about the response from Loancare to complaint # XXXX. First, My forbearance is for 6 months, not 2. Second I applied for forbearance on XX/XX/XXXX, and their site which specified that it would only take 3 days to review and get back to me with a decision - so I should not have pay in XXXX. Third, even if I could, their site does not let me and throws me right into the forbearance schedule. I am tired of this indirect harassment, especially during these times of crisis. Please have loancare stop it's predatory lending practices against minorities. Please read what the loancare representative responded to me and address as soon as possible. I do not want my credit to be affected. I have added evidence support to aforementioned statements. Read below : Please use this ticket number in any correspondence with us. 
Subject : Loss Mitigation Dear Valued Customer, Thank you for contacting us. 

We have received your recent inquiry regarding your mortgage account. Our records indicate that you are currently due for your XX/XX/XXXX monthly payment. Your forbearance began as of XX/XX/XXXX to XX/XX/XXXX. If you have any further questions or concerns please contact our Customer Service Department, Monday through Friday from XXXX XXXX. to XXXX XXXX. and Saturday from XXXX XXXX  to XXXX XXXX Eastern Standard Time at XXXX. 

Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX 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 : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

FedLoan reported 5 late payments on seven accounts with a total of 35 payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, even though I was in Administrative Forbearance from XX/XX/XXXX, to XX/XX/XXXX. 

I have submitted multiple disputes with a copy of the letter, and they keep denying my correction approval stating I'm not submitting any information.
Product: Mortgage

I was Modified by BOA, the agreement was to make XXXX payments on time, On the fourth payment they were closing out the old loan, took my payment, applied it to principal and then said I had to make another payment and that they could not fix their mistake. I spent two years trying to get it corrected with the help of the local bank and they reversed it and sent an apology letter. One month later they reversed it back, I refused to make a payment for two months until they corrected it and then at that point gave up and started making payments, they then sold the loan to XXXX which is even worse than Bank of America. I have since then caught up on all my payments, but XXXX is trying to charge me XXXX in Late fee 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd official notice To XXXX XXXX XXXX and Equifax All 3 companies are in violation of the consumer laws I have contacted all 3 companies several times to correct my credit profile I was a victim of identity theft and there are several accounts that are reporting incorrectly all 3 credit services have Failed to remove all of the ant accurate credit reporting. 
The only company that has removed some of the inaccurate credible reporting is XXXX add Equifax XXXX has continued thank you to report unaccurate late payment accounts on my credit profile. 
I have spoke with legal representation and this is the 2nd notice if there is no changes after the 2nd and 3rd notice all credit service will be in default and I will pursue a Declatory judgment That would equal {$10000.00} for each and inaccurate credit Account on my credit profile. 
The following account should be deleted immediately XXXX, XXXX XXXX, XXXX XXXX, XXXX And XXXX 
All of those accounts were wrongfully charged due to identity theft. 
All of those accounts should be removed and deleted immediately. 
There's a XXXX late payment that is wrongfully being reported I have spoken to XXXX  and they have informed me that they are not reporting that account late that should also be deleted in media. 
Failure to comply Where result in Legal compliance and will be evidence an emission of guilt. 
For all of the infractions all credit services will officially owe default judgment of {$80000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$460.00}, XXXX  XXXX Balance : {$1100.00}, XXXX  XXXX XXXX Balance : {$4000.00}, XXXX  XXXX Balance : {$17000.00}, XXXX XXXX XXXX Balance : {$40000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Product: Credit card

I had payment arrangements to bring my credit card account current. I spoke to several representatives and was given different payment options. All of the correspondence is documented. I was told on XXXX XXXX, 2015 to make a payment of {$110.00} by XXXX XXXX, 2015. I was then told on XXXX XXXX, 2015 via Capital One 's message center to make a payment of {$120.00} by XXXX XXXX, 2015. I had already sent a payment of {$110.00} on XXXX XXXX, 2015, so I planned to sent the difference by XXXX XXXX, 2015. I then noticed that my account was closed on XXXX XXXX, 2015. When I inquired about the closure, I was told that because my account 120 days past due, it was closed. I told them about the correspondence with different representatives and how I was NEVER told that my account was going to be closed even though I made the required payments. I was told my payments would bring the account CURRENT and my card would STILL BE OPEN AND ACTIVE.
Product: Debt collection

a rather unfamiliar company contacted my ex wife 's father, my aunt, my mother, and my sister, my workplace and my home phone to try and collect a debt that i am unfamiliar with and it is NOT LISTED in my credit report one, and two threatened severe legal action in an abrasive demanding tone and hung up on me only to call me 5 more times that day.. i demanded the documentation for the debt as per my right to know who i owe and how much and was told that she didnt have the account information and would not mail me the papers.. in my eyes it is not in my credit report or debt report at all and the amount is pretty heinous over {$1000.00} for a " payday '' loan but i dont qualify for ANY loans ... im recovering from a divorce and dont qualify for lending or financing anywhere
Product: Debt collection

unsolicited cellphone call on XXXX/XXXX/17 at XXXX XXXX went to voicemail, meaning a phone service charge to contact the voicemail service. I do not have any overdue bills or debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been having this problem with Equifax for quite some time now, my credit score is a XXXX, they keep putting the same fraudulent accounts on my credit report even after having official documentation, Identity Theft Id # along with police records showing proof that the accounts does not belong to me, I missed one payment over a year ago due to being out of state for a funeral, paid it within days of due date and every week Equifax is still removing 50 plus points at at time, and claiming it's still for the one late payment, after speaking with a representative yesterday, not even 10 mins after the call he removes XXXX points off of my score. I mean at some point in time, in this lifetime somewhere it has to become a fair process for the consumers, it almost like modern-day slavery, you can't even get what you earned and have worked hard for, and you can't even have a conversation with the companies to rectify the problems in a professional matter, they will just go and remove points for unnecessary reason, I need help with this, I applied for auto loan and because of Equifax scores not being accurate and incorrect information on my credit report, This isn't fair, I work hard to pay bills and keep a healthy credit report and I deserve protection just like anyone else, this isn't my first time reporting Equifax to you guys, please help me with some real-life solutions and results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block the account on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX  XXXX .... Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because According 15 USC 1681, I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$1000.00}
Product: Debt collection

XXXX Collection Associates XXXX XXXX reported misinformation on a bill. 
The actual amount, that were paid, the actual amount of the bill, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted this company which I have not entered into any busineess or contract with and disputed the validity of the debt after seeing the credit report, also the company has not sent any contract or supporting documents.
Product: Debt collection

I have repeatedly asked this company, Carrington Mortgage, to produce the Wet Inc. signature note that my hand signed on that closing day, the same closing day my hand signed that signature on that fraudulent contract that was vitricated in fraud, because it is a unilateral gratuitous contract that I was made a commendation party to didnt receive any money, but my private information was shared during this. I never gave express prior permission to do so identity theft. This company Carrington Mortgage never hired any lawyers like they said they did. They are not even on the foreclosure proceedings at all, so I ask you, Carrington or XXXX XXXX, since XXXX XXXX XXXX has confessed, they have no equitable interest in the mortgage, or have no say so, but they were the only company listed on the foreclosure. Proceedings must mean that its complete fraud. No one has the notes if anybody had him, he would be the investors in the totally worthless mortgage back securities that this judge of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX doesnt have an oath of office is protecting. And this is been going on for over a year. This torture you and your company has caused my mother so much stress. She had an early death here in XXXX directly related to what youve done to me and my family over the last amount of five years I bought my way out of the last foreclosure of your fraudulent mess youve put me in a lost my truck Ive lost my business. Ive worked on for 17 years and the time is ticking day by day till I go and take this to federal court and every day that youve caused me this misery is close to XXXX XXXX a day prescribed by federal law and you have shown me no mercy XXXXXXXX XXXX fund through the lawyers under the bus. It looks like the same lawyers that committed perjury by telling the judge the note wasnt liquidated the same judge that does not have an oath of office in that same judge that when I asked if I could object, she said no, save your objections, till after she talks. Like I could remember everything which turned out was it everything. This is Rico Im not the only one they conspire with the judges about to ruin peoples lives XXXX XXXX and never was given alone I in fact, I am the original creditor on this whole deal, which is a security contract. Its not even a mortgage and its very deceptive. Be aware everyone is industry is about to go belly up, I want every XXXX I put in this back plus what is done to my family me and my wife after 25 years we split up over the stress this is caused and I hardly get to see my kids XXXX XXXX XXXX XXXX XXXX and take care of my mother, which she stressed out so much she died. Thanks Carrington I lost my vehicle. Ive lost my business which Ive built from the ground up over 17 years and this is the second times Ive done this look on the XXXX XXXX XXXX under Carrington Mortgage youll see what I mean. I am the original creditor, and a consumer credit transaction you are the borrower banks are the borrowers. There was other banks involved in this Carringtons gon na take the role for them since they assume the servicer.
Product: Checking or savings account

On XX/XX/year> I opened a checking account with chase on line. Then today XXXX XXXX without notice they closed my account despite me receiving a message stating to call to avoid closure and I did call which they deny me the reason for the closure and then was informed I was blacklisted without any reason given. I had XXXX in the account. Ultimately I want to be removed from the list as I am able to provide ID verification if needed. I feel discriminated against as I'm not being told any information and they have my money. In the email I attached it's said to call to avoid closure and I did call and was given no information as to why
Product: Credit card or prepaid card

Saks Fifth Avenue customer services are XXXX XXXX I never received the dress. I don't have it in possession. It said it was delivered on XX/XX/2022! However I never got the package. I called on XX/XX/2022 and a customer service representative told me it takes 7 business days before I can file an investigation for a refund. I called on XX/XX/2022 to do as instructed to get an investigation and refund credited for {$62.00} to my account. I was told that it would be refunded. Please explain what your XXXX poor findings came up with to determine this. I have called your online customer representatives 13 times from XX/XX/2022 to XX/XX/2022 and repeated myself each time. 

That is unacceptable. You charge exhausting prices and your service is quite frankly very sub par.. I shouldn't have to pay for items I don't have in my possession. 
Also I refunded the XXXX XXXX XXXX XXXX XXXX XXXX top on this order on XX/XX/2022 on the XXXX floor of Saks 5th Avenue on XXXX XXXX XXXX XXXX to a customer representatives. I expect a full refund for this item! I also had your incompetent representative reorder a size XXXX XXXX XXXX XXXX XXXX XXXX and the representative put an inaccurate email address for which I can't track nor can I receive updates. See the attached screen shot of the order number and THE WRONG EMAIL. Because of this incompetent representative I had come back into the store on XX/XX/2022. I spoke to the same representative on the 5th floor requested he change the email address to the right one. He said I didn't need to. I don't have any of these items. I refuse to pay for it. I will report Saks to the credit bureau. THEY REFUSE TO GRANT A REFUND. I will no longer be shopping at Saks. You XXXX and hold zero accountability for your terrible service. Blame the customer right? You and your team lie squarely at fault for all events.
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 to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2100.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$410.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2500.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$5900.00}. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment XXXX XXXXXXXX Personal Information Employers : XXXX  Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I paid my XXXX payment on XX/XX/XXXX and got reported for 30 days past due in XXXX. XXXX XXXX is now saying I missed XXXX 's payment when in XXXX I signed up for their relief program. I paid double in XXXX that satisfied XXXX and XXXX, however my payment in XXXX did not satisfy anything. XXXX reported that I am 30 days late and now my score is down XXXX points.
Product: Checking or savings account

Hi, it is today XX/XX/2024. I was trying to deposit a check through mobile deposit. 
it prompt me if I would like to have immediate funding. I thought this is convenience and hit yes. the next page start to show that a fee is charged for this feature. and I thought I do not need it and want to roll back. but it is already too late. 

After this, I call immediately to the branch and they are saying this is something that can not be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX