23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They know i am not working at the moment so i asked for a diferment they sent it i filled it out and sent it back to them in 72 hours that was in XXXX 2015 they said it will take 20-30 business days and i can go ahead and apply back to school beginning of XXXX 2015 they said they received it i tried to apply to go back to school the middle of XXXX 2015 the school stated i cant move forward since the people i am doing my differment through is not processing my request and the calling begins like they never got my letter they are saying they dont do those and all schools are suppose to tgey even promise that in your student loan package when you first apply they call every other day about XXXX times a day with different excuses of why i must pay or this will stay on my credit i have a family i have to take care of and this is not ok and i will sue if this does not continue to dtoo
Product: Credit reporting

To Whom It May Concern : I am asking for a legal debt validation of the following collections account that has been previously deleted from my credit report. This is a clear violation of my rights under the Fair Credit Reporting Act. 

XXXX XXXX {$1500.00} # XXXX I am disputing this and you have 30 days to complete your investigation. If you can not verify it you must delete it. The FCRA requires you to notify me no later than 5 days after the date of reinsertion. The debt collection agency has not certified that the information is correct. Thank you for looking at this matter. If this is not resolved I will begin litigation and file suit. 

Sincerely, XXXX XXXX XX/XX/XXXX SSN : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions.

have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PREVIOUSLY DISPUTED ( XXXX XXXX XXXX XXXX ) WITH YOU, AND IN RESPONSE, YOU VERIFIED THE ITEM AS ACCURATE STATED THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 

I CONTACTED THE COURT AND THERE RESPONSE IS ENCLOSED. 

IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER, THEREFORE, YOUR INITIAL RESPONSE VERIYFING THE ITEM WITH THE COURT WAS EITHER A ERROR OR A LIE. 

EITHER WAY THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY. ALSO THE ADDRESS THAT IS ATTACH TO THIS IS INCORRECT DOES NOT BELONG TO ME ALSOMUST BE DELETED.
Product: Student loan

I was approved for IBR but told I was n't, and given a massive new monthly payment. I called and was disconnected multiple times. When I did reach them, it was after an hour 's wait. They told me my IBR went through, and I owed approximately {$300.00}, that a bill would follow. My bill was then for {$900.00}, and indicated that this was my amount to be paid through IBR. Again, the hassle of getting through to a human being on the phone. When I told them all that had happened, the woman put me on hold abruptly, where I waited 10 minutes, then came back and told me I owe {$280.00}. No explanation, told me this was the final IBR amount and that is what I should mail.
Product: Money transfer, virtual currency, or money service

I bought Crypto currency in XXXX of XXXX and XXXX of XXXX XXXX My account was limited and Paypal refused to tell me what happened. I had a regular balance in my account and after 180 days i was able to get that out. They told me the Crypto would be release in an addition 180 days which out that release date at XX/XX/XXXX. As of today, Paypal refuses to release this and refused to transfer me to any higher manager successfully. I have been patient and now upset as I am unable to withdraw my current Crypto Balance which is currently at Crypto BTC {$1200.00} Available value. I have called daily and get the same refusal and " we will put a help ticket in but can not give you a time frame to when they will get to it ''. Paypal did not hold up to their promise and instead treat me like a criminal. They also never respond to my emails. Thank you for helping. 

Transaction Date : XX/XX/XXXX Amount : {$500.00} Transaction ID : XXXX Transaction Date : XX/XX/XXXX Amount : {$51.00} Transaction ID : XXXX
Product: Debt collection

Inquiring are not connect to open account that report I did not authorize these companies to run my credit this fraudulent. 


I am writing to dispute unauthorized hard inquiries that appear on my credit report. These inquiries were made without my knowledge or consent and may involve the fraudulent use of my personal information, a violation of **18 USC 1028**, which addresses fraud related to identification documents, authentication features, and personal identity information.

The details of the unauthorized inquiries are as follows : I did not authorize these inquiries and have not applied for any credit or services from these companies. Given the serious nature of identity fraud under **18 USC 1028**, I request that you take immediate action to : 1. **Remove these unauthorized hard inquiries** from my credit report.

2. Conduct an investigation into the inquiries in accordance with the Fair Credit Reporting Act ( FCRA ), and provide me with a written statement of the findings.

3. Provide any documentation or evidence that these inquiries were authorized by me, if such records exist.

Enclosed are copies of my identification, a copy of the relevant pages of my credit report showing the inquiries, and any additional supporting documents.

Failure to act on this matter may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other legal avenues to protect my rights under federal law. 

Thank you for your prompt attention to this serious issue. I look forward to receiving confirmation that these inquiries have been removed from my credit report.
Product: Debt collection

Portfolio Recovery Associates, XXXX keeps sending letters requesting to collect a debt. 
I have sent XXXX certified letters requesting debt validation with a contract including my signature. They keep sending me the exact same letter with someone else 's ssn and no proof of validation.
Product: Checking or savings account

My XXXX XXXX card had money taken out on different days when I authorized an automatic withdrawal shouldve been from the same day and then when I tried to make my {$35.00} payment after my card was stolen after Wells Fargo refused to refund my money back in 10 days they ran my card for the full amount and it was supposed to stop payment on it and instead he did a dispute and its on a recorded line. The Wells Fargo is busted XXXX, XXXX XXXX is busted and my XXXX XXXX  card company is now being busted. Theyve been pulling money out maybe overdraft my account didnt stop payment. All three companies are guilty and the Doj is helping them cover it up and steal my money and telling them not to refund it back. You also need to check to make sure this person doesnt already have a first job with the FBI the Doj or Vice Narcotics, they have second jobs. Ive been covering this up since 2016. I want them also charged with the XXXX  of my grandfather since they want to help assist. Because thats what this is really about and the use of a video game called XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts on my credit report due to my status as a XXXX XXXX XXXX XXXX, specifically debt bondage. As a result of this exploitation, several fraudulent accounts were opened in my name without my consent. I have attached a XXXX XXXX Determination Letter, an FTC Identity Theft Report, and my proper identification to substantiate my claims. 

In accordance with the Consumer Financial Protection Bureaus guidance and the Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) of the XXXX-Debt regulations, these accounts must be blocked and deleted within four business days as stipulated by section 605C of the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts from my credit report immediately : 1. XXXX XXXX Account # : XXXX 2. XXXX XXXX Account # : XXXX 3. XXXX XXXX Account # : XXXX 4. XXXX Account # : XXXX 5. XXXX Account # : XXXX 6. XXXX XXXX Account # : XXXX 7. XXXX Account # : XXXX These accounts were fraudulently established and are a direct result of my victimization. I trust that you will process this request promptly and in full compliance with the law to mitigate the damage to my credit history caused by these illegal activities. 

Please confirm in writing once these accounts have been removed from my credit report. I appreciate your prompt attention to this urgent matter and your cooperation in helping me reclaim my financial identity. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

JCPENNEY and their financial provider XXXX XXXX, sent me my XXXX statement to pay on XXXX XX/XX/2020, with a new balance of : {$1600.00} and I paid regularly {$200.00} dollars. 

The next statement for the month of XXXX to pay on XXXX XX/XX/2020 the balance was : {$1600.00} - {$200.00} payment + {$38.00} fees charged (? ) + {$1800.00} interest charges (? ) My new balance for XXXX XX/XX/2020 was : {$3300.00} Without any purchase made by us or either fraudulent purchase on our account. 
It took me awhile to find out what happened and where to go for help. 
I talked to a representative of the bank and she told me that maybe it was a new purchase. 
When I told her that it was not and the statement said it was interest charges, she said that I couldn't have more information about it because I was not the primary card holder. I said that I was authorized by my husband and she said that only to pay and to buy. Not to disclose any other information. 
My husband has been sick for quite some time and I know how deeply affected he gets with this kind of felony. He feels hopeless and doesn't know how to fix or get the help we need. 
I have the statements to show this outrageous amount and also I have been paying every month, which I know I already paid my purchase, though I am still paying for the interest theft because I did not know what to do until now that I am presenting this case to you. 
Please help us out. 
Thank you so much XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and all of my information was compromised including my social security number, my bank information and other sensitive information.I reached out to all three credit agencies such as XXXX and XXXX to have Fraudulent items removed such as XXXX XXXX XXXX, TD Auto Finance, XXXX XXXX XXXX XXXX, And XXXX XXXX XXXX XXXXXXXX in which I was not responsible for these items along with citizens bank and Also XXXX XXXX XXXX  XXXX XXXX which is a closed account that is still reporting that was fraud .According to the FCRA it is within my rights to have negative items removed in which I had no knowledge of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXcredence XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these following companies are in violation of the fair credit reporting act ive reach out to these companies multiple times and the have refuse to respond in a timely fashion... the violation are including but not limited to..

15 usc 1681b permissible purpose.. I never gave none of these companies permission to use my information. 15 usc 1681 s-2 states if a company is notified that the information they are reporting is inaccurate they must remove it or do a full investigation and show proof that information is accurate 15 usc 1681 c-2 any furnisher shall not report any information that the consumer deems to be identity theft
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 bogus addresses. 

These addresses were used to open accounts in my name : XXXX XXXX CT XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX. Acct # XXXX Launch XXXX Acct # XXXX XXXX Acct XXXX XXXX Acct # XXXX XXXX. Acct # XXXX XXXX XXXXXXXX. Acct # XXXX XXXX Acct # XXXX I have been in rehab from a XXXX the last 7 years. My Family has been handling my affairs. Rehabbing at a XXXX Home. The only address I have legally used is XXXX XXXX XXXX, XXXX, GA XXXX. I am homeless at this point. With this FTC Identity Theft Affidavit, I am reporting several distinct false accounts that I do not recognize as stated and that are the outcome of identity theft and fraud that are showing up on my consumer XXXX credit report. 

A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer XXXX credit report now contains fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses. The aforementioned accounts and addresses, as reported, are unfamiliar to me. The Accounts and Addresses listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaints # XXXX as official documentation from the XXXX Federal Trade Commission XXXX XXXX the Accounts and Addresses listed above are all the product of fraud and identity theft. Also enclosed is a Police Report from XXXX Police XXXX documenting these fraud accounts and addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Multiple unverified reports 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 : It also states a consumer reporting agency can not furnish a account without my written instructions These are a list of HARD INQUIRIES that I have disputed with ALL three Credit bureaus. They have NOT sent me Proof of the alleged inquires that I was the sole source of the consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Mortgage Account was sold from XXXX to Shell point in 2024. My prior payment was approximately {$800.00} per month. Since shellpoint has had the loan the payment increased to {$1300.00}. I have called several times trying to get answers concerning this issue. Meanwhile, my account is showing past due even though I have been paying {$800.00} per month. Each time I call they tell me that no one can help me and they will escalate the issue and to call back in a week. The last time I called was XXXX/XXXX/2024. XXXX in the second lien dept told me He did see where the payment went up with no explanation but nothing has been done as far as the research. He said to continue paying 800 monthly. However, this is now on my credit report and they are threatening foreclosure.
Product: Mortgage

Closed on home XX/XX/21 with Roundpoint Mortgage. 
XXXX ( XXXX XXXX ) did not lock rate at 2.875 as he was supposed to and then tried to lock in 3.00 % which I did not agree with and he refused to honor the 2.875 % I had to beg to speak with his supervisor ( XXXX XXXX ) who then agreed to the 2.875 % rate. 
However, they did not inform me that I would be charged for the rate. 
They added an additional {$4200.00} ( 0.78 % ) onto the closing costs the day of closing. 
This is illegal, they were supposed to inform me they would be charging for the rate and provide the disclosure at leat 3 business days before closing - not the day of.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen including SSN, Drivers License, address. Starting XXXX XX/XX/2022. 
I immediately locked credit with the three credit agencies ( XXXX, XXXX and XXXX ). But after receiving notices from XXXX XXXX  that an account with was opened in my name was opened and had {$800.00} overdraft I found that FactorTrust is yet another credit reporting agency that was used to open ( or attempt to open ) fraudulent accounts in my name. I tried to lock my account with FactorTrust but the identification questions they asked were nonsense. Such as 'What city does XXXX XXXX live? ) My last name is XXXX, but I know of no XXXX XXXX. Other questions were just as impossible to answer. I called the customer service number and was informed that indeed, even though FactorTrust is affiliated with XXXX, that I must request a Freeze and Alert through FactorTrust even though I had already placed both with XXXX. I was also told they could not assist me with this on the phone. I would need to send a request through the mail. When dealing with fraudulent activity that is opening bank accounts and incurring large overdrafts, waiting a couple weeks for the mail to go both ways is unacceptable. 
If FactorTrust is affiliated with XXXX, then Freezing and adding Credit Alerts on XXXX should also Freeze and set Alerts on FactorTrust. Also FactorTrustr needs to review the computer algorithm that generates the security questions to make sue they are something that a typical consumer can answer. They should also be able to deal with the issue through the phone system. Mail is not an adequate channel. More immediate response is required when identity fraud is occurring. Someone is opening accounts and charging money. 
If FactorTrust is a valid credit reporting agency, then it needs to be included in the list of agencies that right now stands as XXXX, XXXX, and XXXX. These are the agencies that are suggested to lock down in case of credit fraud FactorTrust is not mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information from 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 any accounts and information 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 Open Date XX/XX/XXXX Balance XXXX XXXXXXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX Balance XXXX XXXX XXXXXXXX XXXX  Date Assigned XX/XX/XXXXXXXX XXXX Original Balance {$61.00} XXXX XXXX XXXX XXXXXXXX XXXX Original Balance {$85.00} Date Assigned XX/XX/XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Balance {$510.00} XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1600.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/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 identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I transferred {$500.00} from my XXXX XXXX XXXX account to my new PayPal Savings account. The funds were deducted from XXXX 2 days ago, and were supposed to be settled in my PayPal account today. It seems my {$500.00} is in limbo somehow. I first spoke with Paypal about it, then XXXX. The PayPal Savings balance is still showing as XXXX, and they need to update my balance to {$500.00} now. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request my personal information to be updated correctly. I choose to opt-out of all pre approved credit card ads and insurance promotional screenings. 
My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. I am XXXX XXXX   Owner of XXXX XXXX XXXX XXXX XXXX  My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/19 I had five different inquires for loans using my information they got off XXXX website when I bought a gift. XXXX was able to put a stop to them and the loans never went through. I thought the situation had been closed and I then put a freeze on my info to protect my identity further. 

My fiance and I are merging bank accounts and he contacted his bank ( XXXX XXXX  in XXXX XXXX, MO ) and tried to add me on his bank account. The employee said my name popped up on a list and I needed to get a XXXX  report. I did and it listed the 5 fraudulent inquires that happened in XXXX. The bank told me they need to come off the report in order to be able be on the bank account. I contacted XXXX and they called the companies and they said they can't remove them. I needed to contact identitytheft.gov. I did and they said since the loans didn't go through I needed to contact this website to have them removed from my report. 

All on XX/XX/19 1. XXXX XXXX on Behalf of Radiant Cash 2. XXXX XXXX on behalf of XXXX XXXX XXXX 3. XXXX XXXX on behalf of XXXX, XXXX DBA Bridge Lending SOL 4. XXXX XXXX on behalf of XXXX XXXX, XXXX 5. XXXX XXXX on behalf of XXXX XXXX XXXX Please let me know what I need to do in order to remove these off my XXXX  XXXX report. 

Thank you, XXXX XXXX