23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The FederXXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
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 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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of 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 XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX FIN XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 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
Product: Debt collection

My sister received a voicemail of a civil complaint towards me regarding a debt. I called the Company CONSUMER RECOVERY SOLUTIONS XXXX on XX/XX/2019. I set up a payment schedule for a debt of XXXX through XXXX XXXX XXXX. I have signed a contract which I regret doing.
Product: Student loan

I have faced difficulties and obstacles as I approached the end of XXXX rehabilitation program. XXXX terminated my ability to pay online when only three payments remained. XXXX delayed and required impossible criteria to settle this debt. These practices promote financial hardship and prevent me from securing some of the benefits that are intended to ease the burden of financial difficulty. 

Fraud Civil Code 1572 ( 4 ), 1577 ( 1 ) XXXX altered the contract by changing the wording and dates without my knowledge. 

Defamation Fair Credit Reporting Act ( FCRA ) Accuracy of Report [ 15 U.S.C. 1681e ] ( b ),  Responsibilities of Furnishers of Information to Consumer Reporting Agencies [ 15 U.S.C. 1681s-2 ] ( a ), 1 ( A ), ( B ) ( ii ), ( D ) XXXX XXXX XXXX XXXX XXXX XXXX, contracts with Navient, which XXXX is a subsidiary, is reporting false information to the consumer-reporting agencies, XXXX  and XXXX. This prevents my ability to improve my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated XXXX XXXX XXXX Account # XXXX, was properly investigated but how can that be possible if the date last active is inaccurate, the date last reported is inaccurate, the date of last payment is inaccurate, the two year payment history is inaccurate, the payment status is inaccurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I Haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX
Product: Student loan

Gentlemen I filed a complaint ( XXXX ) regarding my student loan repayment. Their response was that I had loans from the XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX XXXXXXXX XXXX, with a loan period from XX/XX/XXXX, to XX/XX/XXXX. These loans were consolidated in XX/XX/XXXX, and XX/XX/XXXX, also that I took out a consolidation loan in the amount of {$55000.00} to repay these loans. 

My two question for them is : If the loans were consolidated in XX/XX/XXXX and XX/XX/XXXX, why was my consolidation loan disbursed XXXX? 
What was the original loan amount for both of these loans? 

Please replay with an answer because the math and timeframe does not add up. 

Thank you
Product: Mortgage

My mortgage was sold early last year to Carrington Mortgage Services. This company sent me an escrow refund check citing an overage. However, a month or two later they jacked my payments up and told me that my escrow had a shortage. Now a year later they are increasing my payment again after I have been paying an increased amount for the past 12 months. My homeowner 's insurance has n't increased and neither have my taxes. I have read many complaints about Carrington mishandling escrow money. They refuse to admit wrongdoing in issuing me a check and then increasing my payments because of a shortage.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Paypal completed a transaction for {$3000.00}. The transaction covered a purchase of an electric bike valued at XXXX. Paypal has repeated denied my claims after the seller in question send me a non-working product. After many back and forths, AND MANY proofs, paypal still denied my claim. I have provided invoices ( proving it was broken ), picture evidence of the seller lying and I even have video evidence. 


The owner did not disclose that the vehicle ( ebike in question ) was damaged internally and needs roughly {$350.00} worth of fixing at the point of sale. I have video proof, inspection proof and the seller blocked me on what we used to communicate. 

It costs more than what it's worth to fix it. This is a total scam, he might have as well sent a piece of metal.
Product: Student loan

I have called Navient multiple times trying to lower my student loan payment. Each time I call no one is willing to work with me. At one time my loan payment was {$1300.00} which I could not afford. I have tried to apply for income driven repayment but each time I am told that I make too much. It is frustrating that I have never missed a payment in 7 years but yet no one is willing to work with me to help lower my payments.
Product: Debt collection

Portfolio Recovery Associates ( PRA Group ) has been attempting to collect on debts that were settled with original creditors. They have tried to collect on credit card/telecommunications accounts for several years and refuse to remove these settled/paid accounts from my credit report. It is fraudulent to attempt to collect on paid debts.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I bought 2 Economy Class XXXX XXXX Tickets from XXXX XXXX to XXXX XXXX and back for {$4300.00} from XXXX XXXX XXXX XXXX online travel agent. 
( COPY OF TICKET ATTACHED ). 

On XX/XX/XXXX, XXXX the same XXXX XXXX XXXX  sold me an upgrade for the same 2 ECONOMY tickets to PREMIUM ECONOMY for an ADDITIONAL {$1600.00}. ( COPY OF TICKET ATTACHED ). THESE UPGRADED tickets that were sold to me were VOID as XXXXXXXX XXXX has NO PREMIUM CLASS. I only discovered this on XX/XX/XXXX upon taking the first flight on this journey from XXXX. We were seated in ECONOMY CLASS for all 4 flights of this journey and we had bulkhead tickets, which are the worst Economy Class tickets on the plane with no leg room ( we are both tall! ). 

Immediately upon my return to the USA, I called this travel agent and asked for a refund, but this was without any success. I then took immediate steps to address in XX/XX/XXXX by reporting this to American Express and advised them that the goods and services were not received at all. 
To date I have not received a refund. American Express refused to assist me and advised me that I was late in filing a dispute, which is completely wrong since I filed the dispute the moment I was back from my trip and had addressed the travel agent. 
The " PREMIUM CLASS '' UPGRADE tickets are attached- dated XX/XX/XXXX ( for XX/XX/XXXX trip ) The first ( original ) tickets are also attached- dated XX/XX/XXXX The AIRLINE INFORMATION SHOWING NO PREMIUM CLASS is available on XXXX XXXXs is also attached.

PHOTOS of our ECONOMY CLASS BULKHEAD SEATS are attached to show that we never sat in Premium Economy and did not receive the service/seat that we paid for. 

We should not be charged for goods/services never received or that do not exist and ask for a REFUND of {$1600.00}. American Express is responsible to protect the consumer against false/scam sales or sales of goods/services that are never received. In this case, we were sold something that doesn't even exist!!!!
Product: Credit reporting or other personal consumer reports

Truist is reporting a late payment on my account in error. I have never been late and this is affecting me negatively as well as all attached authorized users. 

I believe the misunderstanding is from two payments that were made in XXXX. One payment cleared and one payment was returned. However, the payment that cleared was the first payment made. Therefore, no payment was late. 

According to the statement, no payment was made. However, I also attached a print out of transactions which clearly shows a payment made for {$73.00}. ( see attached )
Product: Vehicle loan or lease

There is a lawsuit against USA Auto Sales I would like to know why is this issue occurring. And Im paying my car note now to west lake portfolio management. Is this a legit company to pay my car note toAnd I also think they charged me too much interest on the car loan. I need to know whats going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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
Product: Debt collection

JPMCB-CARD SERVICE is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$720.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CREDCO/XXXX  XXXX Inquiry : XXXX XXXX, 2019, CREDCO/XXXX  XXXX Inquiry : XXXX XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Mortgage

During closing I did not use the monies already in my Escrow account. I wanted it to remain in my escrow account for emergencies if I could. On XXXX XXXX issued me a refund of {$2100.00}. Per XXXX I had too much money in my Escrow account. A few months later my loan was sold to Rocket Mortgage in XX/XX/XXXX - Before my loan was sold XXXX paid my taxes XX/XX/XXXX {$2400.00} using the balance left in my escrow account. Not knowing that my taxes were paid on XX/XX/XXXX I also paid my taxes {$2400.00} using my personal account at a local bank. A few days later I received a call from the tax office. The tax office said XXXX paid my taxes in XXXX they will issue me a refund. ( I received my personal refund from the tax office. ) Rocket Mortgage then pays my taxes in XXXX. The Tax office told Rocket, that XXXX paid my taxes in XXXX and that they will issue Rocket a refund of {$2400.00} to go back into my escrow. Per Rocket Mortgage they sent my escrow money back to XXXX which left me with a negative {$2400.00}. I have been trying to get them to put the money back into my escrow they will not - XXXX XXXX at Rocket Mortgage said that Rocket Mortgage sent the {$2400.00} back to XXXX XXXX XXXX have no knowledge of the money being returned back to them Rocket Mortgage is not providing a parcel # of the retuned funds information to XXXX  or to me - since all of this my mortgage has increased {$450.00} due to the XXXX shortage in my escrow account. I have been trying to get this correct for XXXXXXXX XXXX XXXX XXXXXXXX. I have all documents Also, on my credit report my Rocket Mortgage Loan increased twice XXXX XXXX it increased {$900.00} and on XX/XX/XXXX, it increased {$650.00}.
Product: Mortgage

Received a notice dated XX/XX/XXXX stating my monthly payment was being increased due to a shortage.

According to the projected escrow balance and the allowable escrow balance (see attached), the shortage would be $XXXX a month. 

It shows a shortage in the actual current escrow account equaling $XXXX a month. 

Instead of adjusting the payment by $XXXX  or $XXXX, the payment was increased by $XXXX a month. When I guestioned Planet Home lending about the significant increase, their response was it is for “future possible” increases. 

That makes no sense. I know new property tax rates came out in XX/XX/XXXX in Colorado, so that could possibly affect the payment slightly, but $XXXX/month seem a bit high and I do not believe you can increase a payment "in case" there is a possible shortage in the future. 

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

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in document
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX unauthorized hard inquires on my credit report. I contacted Transunion filed a ftc report and they refuse to remove the unauthorize inquires. This is my second CFPB complaint. I called XXXX lenders like they asked. Please removed these inquries
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 a few Personal credit card accounts. 
ACCOUNT NAME : XXXX system DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXXXX XXXX DATE OPENED : XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX system DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : Ideal collection service DATE OPENED : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.