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

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX Employer - XXXXXXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challengeXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Experian Security Freeze requesting a freeze be placed on any file concerning my wife and me. I included all information Experian requested except the SSNs of my wife and me. I was able to effectuate a freeze with XXXX and XXXX without disclosing either SSN of my wife or me. 

Experian had steadfastly refused to grant the freeze by using alternative questioning in lieu of providing the above mentioned SSNs. Ironically their last mailing to me contained the last 4 digits of my SSN. I  need them to freeze any creditfiles they have on my wife XXXX and me. My last letter to Experian was dated XX/XX/XXXX. Their reply was dated XX/XX/XXXX. I spoke today with someone at Experian but no progress was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX
Product: Debt collection

this company emailed me about a payment and application for an apartment i never applied for i have a fraud alert o my credit all application should have a copy of my a ss card and driver info the a copy which they do not have also i ask to send a copy showing where i paid with my name they did because i didn't pay this was done online and not by me my info was stolen years ago i have a home and i have there for over 23 years
Product: Money transfer, virtual currency, or money service

They do not display any fees or any warnings that their limit orders do no work like standard limit orders on every exchange, and even how their stock limit orders work. I placed a limit order to sell Bitcoin at a specified price, they sold the Bitcoin for far less than my specified price, resulting in a loss. See attached which shows the limit price and the price they gave me.
Product: Mortgage

A company called Ditech apparently have purchased our mortgage. We have called them and vice versa, and they will not talk to us unless we agree to have them record the conversation. We do not agree to this, so they will not provide us with any information or listen to our questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an e-mail saying a new negative item was now impacting my credit score. I logged in and checked and it was a balance from a collection agency for an amount of {$680.00}. I asked for the item to be disputed ( with XXXX ) and they did so, but in a short time confirmed it was my information. I tried to file a police report but the police still have not returned my calls. XXXX  doesnt seem concerned that Im telling them that the person who used my info to get approved for this card was not me. I told the collection agency that this isnt me. They agreed that it looked suspicious that it was not my address on the account. I still have not heard back from XXXX XXXX XXXX. My previous employer, XXXX XXXX XXXX lost my personal information due to a data breach. During the year of 2021 I had the credit reporting agencies lock my social security number with a fraud alert.
Product: Mortgage

I attempted to get a property modification for my house at XXXX XXXX XXXX XXXX XXXX. At first they said there was no such thing as a property modification. Finally they sent me the paperwork. I feel it out mail it back but they never responded. This occurred XXXX times. I'm a XXXX XXXX XXXX Veteran and living with friends because they stole my home. This Bank has also been investigated under the XXXX XXXX. They have all my information.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles inadequate handling of disputes, especially in light of the recent CFPB lawsuit that highlights critical flaws within the platform. Despite my repeated use of Zelle and efforts to report discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was not feasible. According to the CFPBs findings, Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the platform, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

A couple years ago, I discovered unauthorized transactions totaling {$500.00} processed through XXXX of my older Zelle accounts, which I no longer have access to. These transactions were not initiated or approved by me. 

When I reached out to report the issue, I was informed that Zelle transactions are irreversible and that they would not investigate or reimburse the stolen funds. I requested detailed information regarding how these unauthorized transactions were processed, why there were no safeguards in place to prevent such fraud, and what could be done to recover my funds. However, their responses were unsatisfactory, leaving me without any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to obtain my annual free credit report from Experian online and received the message shown on the attachment.   I replied to the message by mail including a request for the report and information as to why I could n't get my report online.   I am attaching a copy of the credit report.com reply whichI find completely uninformative.
Product: Payday loan, title loan, or personal loan

I applied for a loan 2 months ago. I was approved but when I went to sign the papers, they incorrectly said there was information on my credit report causing a problem. I submitted a up to date credit report showing them their error. I was told AGAIN that I was approved and the approval documents were on the way. That was TWO MONTHS AGO. Every time I call customer service it takes several minutes while they review the notes on my account of which there are many due to the multiple calls XXXX dates listed below ). 

They then state they need to discuss the matter with a credit analyst. I am then on hold for an extended period until they return and always state a computer glitch is delaying the documents and they will fix it immediately. 

I have spent many hours on the phone and always get this answer. I called XX/XX/XXXX, XXXX ( twice XXXX, XXXX, XXXX, XXXX ( twice ), XXXX, XX/XX/XXXX, XXXX ( twice XXXX, XXXX, XXXX, and XXXX with each call lasting around 15 minutes .... longer if I asked to speak to a supervisor. 

I am told every time that the loan is approved and the documents to sign will be sent shortly.
Product: Debt collection

Date : XX/XX/2024 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX pa XXXX Phone number : XXXX Email : XXXX Creditor Name : Amex Creditor Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Reporting debt : XXXX Dear Amex I am writing to dispute a debt currently listed on my credit report and request its immediate removal. The disputed debt Account # XXXX 1. Debt Validity : According to 12 C.F.R. 1006.34 ( b ) ( 5 ), I have the right to dispute the validity of a debt reported by a debt collector. I am disputing the validity of this debt for the following reasons : I never incurred the debt **2. Credit Reporting Error : ** Furthermore, the inclusion of this disputed debt on my credit report constitutes an error under the Fair Credit Reporting Act ( FCRA ). I request that you take the following actions : * **Investigate the dispute : ** You are obligated to investigate my dispute within a reasonable timeframe, typically 30 days. 
* **Verify the debt : ** Provide me with written verification of the debt, including the original creditor, account number, and amount owed. 
* **If debt is invalid : ** If your investigation determines the debt is invalid, you must promptly remove it from my credit report and notify all credit reporting agencies of the error. 
* **If debt is valid : ** If you maintain the debt is valid, provide me with a detailed explanation of your findings and offer a dispute resolution process. 

Please note that I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the credit reporting agencies if this issue is not resolved to my satisfaction. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My capital one card was stolen and now i have outstanding balance of {$1000.00} and did not use my card amd need help please let me know how i can fix it becausey credit score is going down extremely low
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, GLA COLLECTION COMPA add a derogatory mark on my credit reports. GLA COLLECTION COMPA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX      XXXX   XXXX   &   XXXX   XXXX   XXXX     by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letters & they completed the request. The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same resp onse for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response back in less than 7 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Other financial service

I entered into an Agreement with Student Loan Aid ( Now XXXX ) to consolidate and manage my student loans. The loans were consolidated and I began making payments to SLA monthly for the consolidated loan. However, without my knowledge or consent, SLA sought and obtained forbearance from XXXX so no payments were made on my loan, but interest accrued all while I was paying them monthly. Even without the additional interest that accrued because of the forbearance, I have calculated that I paid them {$3700.00} on the loans that were not paid for me as I led to believe.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report there are 4 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I have reached out to this company and received no response. I have attached below the letter. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> Re : Account # XXXX To Whom It May Concern : Your company is reporting the below-referenced account on my credit report as a collection account. 

Account # XXXX is reporting as a charge off with a balance which is not correct. I am asking that you please delete this account on all my credit reports immediately. 
I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

I am writing to request that you, please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and promptly, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. 

XXXX XXXX
Product: Debt collection

On XX/XX/2017 I have been getting repeated calls all day long from MarkOne Financial. I was at work all day and was not able to pick up my phone. They have also contacted other friends and family members of mine and I know that it 's against the law to get repeated calls back to back from a debt collector and I 'm really upset at this point. This has not been the first attempt they call back to back all the time.
Product: Mortgage

WE, COMPLETED AN IN-HOUSE TRIAL PERIOD PLAN FOR 6 MONTHS OF {$4900.00} PER MONTH, TOTAL POSTED CHECKS BY FAY {$29000.00} WHICH FAY HAS NOT CURRENTLY APPLIED PAYMENTS TO OUR CURRENT MORTGAGE, FAY HAS ADDED {$100000.00} EXCESSIVE FEES TO THE MORTGAGE PRINCIPAL WHILE I WAS STILL IN BANKRUPTCY IN XXXX. 

FAY OFFERED ON XXXX/XXXX/XXXX AN PERMANET LOAN MODIFICATION OF {$5000.00} FOR A SHORT TERM 20 YEAR FIX WITH AN BALLOON PAYMENT OF {$16000.00} TO BE PAID IN FULL XXXX ON MATURE DATE. 

THIS MODIFICATION IS NOT AN AFFORDABLE MONTHLY PAYMENT FOR 20 YEARS, THIS MODIFICATION WILL FORCE ME A DEFAULT ON LOAN FOR MY HOME TO BE FORECLOSED FOR AN TRUSTEE SALE. 

FAY SERVICING ; STRATIGIES ARE TO DENIE MODIFICATION APPLICATIONS TO GENERATE, EXCESSIVE DOLLARS TO YOUR LOAN, TO MAKE IT IMPOSSIBLE TO SAVE YOUR HOME. 

I, BELIEVE ; FAY SERVICING IS IN VIOLATIONS OF " MORTGAGE FRAUD ''
Product: Debt collection

( Credit Bureau systems ) at ( XXXX XXXX XXXXXXXX XXXX, Ky XXXX ) opened account XX/XX/2020 has been sending me collection notices in the amount of ( XXXX ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Checking or savings account

I was scammed by a company that sent me the wrong orders and they told me they would refund me and it showed up on my bank so I placed new orders but as I got the new orders I realized that I was also scammed with those because I did not recieve what I paid for. I contacted them and they told me they will not refund me and the refunds that I got before were removed from my bank. They then told me to file a chargeback with my bank and kept closing the chats on me. I contacted the bank about this and they said they would help me. But that was not true they just provided a temporary credit and took it away even though I had all the proof. The bank didnt even look at the proof so I had to keep resubmitting it so that it would show up. 2 months later they finally tell that because I did not send back the items I never received I can not receive help from them. That is the most brain dead thing I have an ever heard and the fact it came from the people who have access to all my money and information is not okay. They kept telling me to contact the merchant even though I had proof that the merchant did not want to talk to me. They told me to call them but they do not have a number to call the number they have is just to chat. The bank was no help and 3 months later after sending me a letter saying that they did see that there was a error and that I will get the money back they took it away. I am sick of being scammed by my bank and there is also so much proof of them scamming people in the past.
Product: Credit reporting or other personal consumer reports

Sent a letter to Trans Union with appropriate ID requirements, and requested a copy of my credit report and have not received a copy yet, I would appreciate a copy so I can make any necessary adjustments to my report Thank you
Product: Credit reporting or other personal consumer reports

Recently i was alerted i may have had my info breached along with over XXXX XXXX other records of Americans. After following the government suggested website, they advised i freeze my reports and check them as well. I recently unfroze my reports as i was getting ready to apply, so when i checked and saw 3+ inquires from companies that i DID not give consent to pull my report, nor did i have knowledge they would be doing so. After checking around i have come to the conclusion that this is illegal for them to do. That being said i requested the company remove these inquiries and send me a report back showing they were removed. i did not recieve one the first time so i am filing this complaint hoping you will help me make sure they take action on these fraudulent inquiries.