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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Inquiries XXXX XXXX XX/XX/XXXX Light Stream XX/XX/XXXX Data Breach happened, per 15 USC 1681c2 please block and delete these item within 4 business days.
Product: Money transfer, virtual currency, or money service

Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. 
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 I want the CFPB to publish this : description on XXXX  so that others can learn from XXXX experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. 
Learn how it works. I consent to = XXXX XXXX  this description after the XXXX has taken these steps.
Product: Vehicle loan or lease

XX/XX/XXXX : I purchased XXXX XXXX XXXX  VIN : XXXX for {$28000.00} on a XXXX year loan with an an annual interest rate of XXXX  %. 
XX/XX/XXXX : After paying the interest rate of XXXX  % for more than XXXX and a half years, I can not afford this high interest rate. 
On XX/XX/XXXX : I sent a letter to XXXX XXXX, the XXXX Santander Consumer USA, asking to lower my interest rate from XXXX  % to XXXX  %. 
No response has been received from Santander Consumer USA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX has been paid as of XX/XX/year> and I would like it removed from all credit bureaus its currently showing as a closed account. Confirmation code is included in document.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been acquiring synthetic identitys for years using various addresses, defrauding several banks and credit card companies. Her real address is XXXX XXXX XXXX XXXX XXXX Il XXXX her real social is XXXX. Here are a few of the addresss shes used to get her cpns XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. I will attach emails between her and the lady who created the synthetic identitys for her as well as a copy of her fake social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX OF XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation sent to creditors about my inquires they had over 30 days to fix it
Product: Mortgage

I just received a response from my previous complaint on today XX/XX/2024, which I disagree with. The untrained staff that you have in the phone should not be at the fault of the customer. During this partial claim process I called several times to get clarification on the terms and the payments that would be included in the Partial Claim. You can go back and listen to them. Also in those calls you can hear me say I know how the process works and nothing that they told me as correct. I asked for the terms of the Partial Claim several times which I was told that they could not give, which I know is incorrect as I have been in the XXXX XXXX  almost XXXX XXXX  I asked for the terms because I wanted to ensure that it included the XX/XX/2024 payment. I was told over the phone when I asked was the XX/XX/2024 payment included in the Partial Claim and I was told yes so please go back and review the calls. I also advised to speak to someone in Loss Mitt several times and I was told I could not be transferred and then miraculously the last time I called on XX/XX/2024, I was transferred to Loss Mitt per the representative on the phone and that is when I was told the most outrageous misinformation thus far. If I would have know that the Partial Claim did not include the XX/XX/2024 payment then I would not have signed it and would have asked for it to be re-reviewed which I know it can be done or asked for a Loan Modification with financial docs. Because I was told that it included and the Partial claim paperwork did not come with a breakdown, which by the way that is something your company should look into providing for a better customer experience ( because again you can ). 

While you XXXX not have made an error in the processing an implementing the Partial Claim, the misinformation that was constantly provided by your representatives, directly resulted in further hardship for the customer. Something needs to be done. You just can't say oh well when there have been several errors and mistakes on your part. Loancare is practicing in unfair and deceptive practices and in violation of XXXX. I have gone to the XXXX XXXX XXXX  and I will be contacting the Attorney General next. 

Additionally, another error that was located is that my monthly payment in the system shows {$1500.00}, per the partial claim and the response you just sent me my payment is suppose to be {$1500.00}. Why is payment {$41.00} more than it is suppose to be.
Product: Debt collection

I have been contacted the last several days from phone number XXXX XXXX XXXX and have a voicemail as well stating that I took out a loan with Ace Cash in XXXX XXXX tx in 2018 and never paid it back. The voicemail states that if I dont call them back, they would contact my supervisor and also advise the XXXX XXXX County and I would be taken to court. I called the phone number back and spoke to someone who was asking me for my name, dob, and last 4 of my s.s. I advised them I did not know anything about a loan, however they proceeded to tell me that I needed to have my attorney call them to settle this or they would be seeing me in court. After I denied the validity of the statement about the loan, she said okay and told me she would see me in court, then hung up.
Product: Debt collection

Placing a order of validation. Call back withdrawal XXXX hr. Repetitive messages. Without saying who or what the derby is for. When you call back no answer or advise to leave a news. Sounded fishy so hung up!
Product: Credit reporting or other personal consumer reports

formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past XXXX months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : 73 P.S. 201-1 to 201-9.2 : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Not getting correct amounts that has been sent, getting fees when I shouldn't be, didn't get paid from cashing in on a stock, I also didn't receive my deposit from the irs with my tax return like I was suppose to. Someone hacking into my online banking account for XXXXXXXX XXXX " cashapp '' or " square bank '' or " block '' account and laundering money it seems. My checking account is insured up to XXXX so I do have checking account insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my previous complaint. These items are needed for deletion immediately and this complaint is to notify you to remove these items. 
XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - PENNYMAC - XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account PENNYMAC - XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account PENNYMAC - XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account.

Original Open Date : Provide the precise date when the account PENNYMAC - XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account PENNYMAC - XXXX. 
Proof of each late payment date I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Product: Checking or savings account

On XXXX XXXX at XXXX a check from SBA was deposited into my account with Suntrust Bank in the amount of {$9000.00} Suntrust immediately closed the account and placed the funds on hold. I contacted Suntrust customer service on XX/XX/XXXX at XXXX, Suntrust said I needed to provide documentation proving the check was mine I told them to send the check back to SBA which they never did. On XX/XX/XXXX at XXXX I was contacted through email by SBA to apply for a targeted eidl advance which is then I found out the check was never returned. At XXXX on XXXX XXXX I contacted Suntrust bank about the funds they said I needed to walk in a branch to verify my identity. Since there is no Suntrust in illinois I drove 9 hours to Arkansas to a branch, once there I presented my driver 's license, business license, a letter that was emailed to me by SBA stating the funds was approved as well as showed what day and time the funds were deposited. The documents were submitted to Suntrust internal office they still will not release my funds as of today claiming I didn't provide enough documentation showing were the check came from
Product: Credit reporting or other personal consumer reports

My credit report shows that XXXX XXXX reported that the account was opened on XX/XX/XXXX and also on XX/XX/XXXX account # XXXX how can that be when they also reported that my last active date was on XX/XX/XXXX and on XX/XX/XXXX The information that XXXX XXXX is giving is completely False and inaccurate the date open on my credit account is inaccurate, date last active, also some items are left blank like the date of last payment, the past due amount, the monthly payment number of terms, and the comments left on my credit report this items are all inconsistent and incomplete. This is clearly in violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). I am not liable with this debt with XXXX XXXX I do not have a contract with them they did not provide me with the original contract as requested and the documentation that proves the amount that i allegedly owe every transaction with my signature leading up to the alleged amount. False and inaccurate dates open on my credit account, inaccurate payment history and inaccurate date last active. Delete this account immediately because of direct violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ) .according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Mortgage

I payed two mortgage payments in XX/XX/2019. The mortgage company withheld my payments for two months refused to apply them to my mortgage for two months. I payed the current month in XXXX and made sure they released the previous payments to go towards my mortgage. I was told to pay a lessors amount for XXXX payment because I was told their was an overage. I payed the lessor amount. I sent in XXXX payment but the mortgage company sent it back. When I called the mortgage company I was told that they never received XXXX, XXXX, or XXXX payment. I tried again to pay XXXX and XXXX payment but they refused to accept payment. I requested assistance for help. I was told they would send me out a packet. I submitted the packet for assistance. I never received a response back. After reaching out to Loancare about assistance and inquiring about the paperwork I submitted, I was lied to and misinformed about someone working on my file. No one was working on my file. It never happened. I called several more times and was told they needed to submit a hardship letter and pay stubs. I submitted this as well but still no response. Finally I reached out again last week and was told they could not help me because my last modification was less than 24 months ago. Again I tried to make the payments and was told that I had to make four payments. I called back today and was told the same thing basically. I was told that they were aware that I made my XXXX payment but it was put towards escrow not my XXXX payment. Which meant I owed for XXXX, XXXX, XXXX and now XXXX. They refused to take anything less and stated they could not help me. I informed them that I had partial payment but could not pay all four months due to the cut back in hours at work from the Pandemic. No further assistance was offered just that he will make a note of our conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy Courts DO NOT report to Consumer Reporting Agencies because they know its not legal. XXXX XXXX and other secondary bureaus fishes for information and they sell it the larger consumer agencies like a XXXX, XXXX, and Transunion. The Consumer Reporting agencies claim that they investigated and it came back verified. Who did they speak to, to verify this? They didnt speak with me. Did they speak to a competent witness or the court house clerk? It is illegal for the Consumer reporting agencies to access public records and furnish to my consumer report. This is a violation pursuant to 15 USC 1681 and my consumer rights to privacy pursuant 15 USC 1681 ( a ) ( 4 ). Another violation pursuant of 15 USC 6802 ( b ) ( 1 ) a financial institution may not disclose nonpublic information to a nonaffiliated third party. and violating 15 USC ( b ) ( 1 ) ( c ). Anything between me and another party comes into play its not public information and its illegal and I have to give my consent to share my non public personal information. The courts stated in the letter that they dont provide or report any information to 3rd parties consumer agencies. Also I never gave written instruction to furnish this account on my consumer report pursuant to Pursuant to 15 USC 1681 ( a ) ( 2 ) subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I sent numerous a letters and time to seek justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX had already reported their debt as a Charge-off and then updated it again with the same status and increased the amount after it was already charged off.. So that they can change the timing on when the debt would fall off my credit. This is erroneously reporting. Has been well over 7 years and should be removed You can see via the attachments that it was already reporting as charged off and then XXXX updated to reflect the same and increased the balance on a charged off loan.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$830.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$830.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX  ( XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Bank account or service

This is a fraudulent account that I never applied for in my life. It was under my maiden name, there 's like a {$400.00} something balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every since XX/XX/2019, I have been writing and sending my personal information to XXXX & Trans Union to receive my free credit reports as date I javent received any of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax because they are reporting inaccurate information on my credit report regarding inquiries, which is against my rights as a consumer. I have already submitted an FTC report against them as well.