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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Closed Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my frustration and disappointment with your handling of my identity theft case. Despite my repeated efforts to resolve this issue, your response has been inadequate, and the fraudulent items remain on my credit report, severely impacting my creditworthiness and financial well-being. 
I have identified several fraudulent accounts on my credit report that result from identity theft. These accounts should be removed immediately. 
The details of these accounts are as follows : 1. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$7900.00} - Status : Account charged off. {$7900.00} written off. {$7900.00} past due as of XX/XX/year>. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 2. XXXX XXXX  - Account Number : XXXX - Balance : {$4500.00} - Status : Account charged off. {$4500.00} written off. {$4500.00} past due as of XXXX XXXX. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 3. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$35000.00} - Status : Account charged off. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 4. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$93.00} - Status : Account charged off. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff These accounts were supposed to be removed as they were a result of identity theft. Your failure to update my credit report as required by the Fair Credit Reporting Act ( FCRA ) is a clear violation of my rights. The FCRA mandates that such information be blocked within four business days upon receipt of appropriate documentation, which I have already provided. 
Enclosed are the following : 1. A copy of my credit report with the fraudulent items circled. 
2. A copy of my Identity Theft Report and proof of my identity. 
3. A copy of section 605B of the FCRA, which requires the blocking of fraudulent information resulting from identity theft within four business days and prompt notification to the furnisher ( s ) of that information. 
4. A copy of my latest bank statement. 
I demand that these fraudulent accounts be blocked and removed from my credit report within 24 hours. If these accounts can not be deleted immediately, I request that the remarks be updated to reflect " CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER. '' Your negligence in handling this matter is causing significant harm to my financial standing, and I am prepared to take further action if necessary to protect my rights. 
Please confirm in writing that the information has been blocked and provide me with an updated credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX & XXXX  Account Number:XXXX  has violated my r

ights . Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I was grated a trial payment back in XX/XX/2021. I was sent XXXX modifications payments. I full filled the trial payment successfully. I have been waiting on a final paperwork for the modification but to no avail. I was told to continue to send the modification payment amount until the modification is finalized. It has been over a year but to no avail. Problem is I told to pay XXXX, but Im still being billed and accountable for XXXX amount. My account has not been updated in over a year although, Im sending in a monthly payment of the modification amount. It appears as if I XXXX behind. I will continue to be behind because my modified plan is not finished in over a year. No paperwork was ever mailed to me. I was told I would be contacted back when the figures out what happened but still to no avail.
Product: Debt collection

I have been getting harassed and threatened by Mercedes Benz Financial Services for the past few months. I have recently received more harassing and threathing communication from them about repossessing my vehicle that has already been paid for with my government created XXXX XXXX XXXX account. I have asked them on multiple occasions for the on ledger and off XXXX XXXX ( XXXX XXXX ) since the beginning of the alleged debt so I can see proof that I actually owe them anything. They will not send it to me because I believe it will show that they have already received payment for the vehicle and prove that they are fraudulently and abusively attempted to collect on an alleged debt. I have also requested the original contract I signed. They only send copies which isn't what I asked for. And what they sent wasn't a contract. A contract is a meeting of the minds signed by both parties and 2 witnesses. I know when I gave Mercedes Benz my social security number it created a trust transaction, which I am the beneficiary of and Mercedes Benz is the Trustee with a fiduciary responsibility to act in the best of the beneficiary. Cleary they are attempting to injury me and cause me stress. Sherman Anti-Trust Law does apply in this situation. 

I am evening will to send payment with an endorsed coupon however everytime I attempted to call the executive team ( XXXX ) to get instructions on how to properly submit they hang up on me or leave me on hold for rudely amounts of time. I have even left messages for team members and they never call me back. 

I really have tired to get this cleared up with MBFS once I understood what took place when I gave them my Social Security Number. However they continue to harass and threaten me instead of doing what is in the best interest of the beneficiary. 

If this matter isn't resolved immediately I will report this to the SEC, FTC, XXXX United Stated Attorney General, XXXX XXXX XXXX  and the FDIC
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to your constant willingness to resit following FCRA and your choice to keep listening to the so called creditors. I am revoking your authorization to report the following accounts. Delete them immediately. They are closed accounts and the creditors have nothing more to do. I have a right to privacy and this order to stop reporting and delete is within my rights and directly concerns you the Credit Reporting Company.. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX This is to be done by a person immediately. Allowing some automated verified response is foolish and dishonest. An actual human needs to delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, so everyone knows, I am in the process of purchasing a home. As usual, private, XXXX, XXXX, individuals from dangerous lawbreaking organizations, are working behind the scene to cause delays and blockages. They want me in constant hardship. Their hateful ideology cause them to use the darkweb, darknet to covertly attack me. They abuse the entire IoT, and use other unorthodox practices to bring harm. Under the Fair Credit Reporting Act, people have a right to file a dispute with credit reporting companies to correct inaccuracies on their reports ; and have been disputing credit discrimination for years. I am dealing with a lot of retaliation from these slavemaster/puppeteer-minded criminals. They obsessively want me in a vulnerable situation. Having low credit scores will prevent me from obtaining housing, which will help these XXXX XXXX, XXXX violators with their targeted, abusive goals. Criminals have sold my information on markets, illegally impersonated me, attacked my finances ( stole money out of my accounts ), attempted to open loans in my name and the list of abusive attacks has been going on for years as they disrespect and violate my human rights. It must STOP.
Product: Debt collection

I have noticed a collection account on my credit report that is not accurate and does not belong to me. I have reached out to the collection agency to provide validation of debt. They have provided me with a copy of final credit card statement in what appears to be my name but the debt is not mine. I've asked for a signed contract or any other validating documents that proves that this is my debt, but the company has not furnished these items and continues to report this item on my credit reports.
Product: Credit card or prepaid card

I have called XXXX XXXX XXXX Visa to request a credit balance refund of {$7700.00} refunded to me and mailed to me that Synchrony has been hold on to on a closed account for weeks and i have not received this credit refund check on my account XXXX XXXX XXXX XXXX
Product: Credit card

wrote : Dear XXXX XXXX XXXX, I hope this message finds you well. I am writing to formally express my deep concern and frustration regarding a fraud incident involving my account, which resulted in the theft of {$3900.00}. Despite multiple attempts to seek assistance from Santanders fraud department, I have received little to no help, leaving me in extreme financial and emotional distress. 

Since XXXX, I have taken all necessary steps to report the fraud, including filing a police report and submitting a formal complaint to the FBI ( attached ). Additionally, I visited my local branch on XX/XX/year> to speak with a manager, and we contacted the fraud department together. Despite these efforts, the fraud department rejected the submission of my FBI documents and even declined to speak with me directly. This lack of cooperation has been extremely frustrating and unhelpful. 

The handling of my initial claim from XX/XX/year> was deeply concerning. The amounts reported were incorrect, suggesting that no proper investigation was ever conducted. After having to wait for a second claim to be investigated on XX/XX/year>, I was told I would receive a call from a manager on the following XXXX. However, as of today, XX/XX/year>, I have yet to receive any correspondence. Additionally, it is alarming that the fraud department still does not have the FBI complaint documents, which explain the situation in great detail, despite my numerous follow-ups. 

I want to emphasize that the individuals who scammed me were not affiliated with XXXX XXXX but merely used it as a vehicle to carry out the fraud. However, Santander 's fraud department continues to refer me back to XXXX XXXX, even though the issue clearly extends beyond their platform. I initially reached out to them when the fraud first occurred, but my claim was denied and they directed me back to my financial institution, creating a frustrating and unproductive cycle. Your team has even stated that they needed approval from XXXX XXXX before processing the refund, which seems illogical as my claim was denied without even contacting them nor myself. 

As a business and property owner, this financial setback has had a devastating impact on my financial stability. I have been a loyal customer of Santander for over ten years, and it is disheartening to experience such a lack of support during a time of crisis. 

I kindly request immediate assistance in resolving this matter. It is imperative that the fraud department takes this case seriously and conducts a thorough investigation. Your prompt attention to this matter would be greatly appreciated, as this situation continues to cause significant distress. 

Thank you for your time and consideration. I look forward to your response and hope for a swift resolution. 

Sincerely, XXXX XXXX XXXX Account # : XXXX Direct Phone : ( XXXX ) XXXX Email Address : XXXX Attachments : FBI Complaint
Product: Mortgage

My name is XXXX XXXX. I need to complain about PennyMac because they denied my loan modification request for second time. I got a loan to purchase my home from PennyMac on XX/XX/XXXX. At that time I had no problem to pay my mortgage because my husband was XXXX and had good income to help me to pay my mortgage. But effects of economy crashes hit my husband business too and he lost everything. My husband went through XXXX and as a result left me and our XXXX years old daughter. I spent all of our saving to keep my home but my saving ended on XX/XX/XXXX ; it was when I applied for loan modification with Penny Mac. PennyMac denied my loan mod request and proceed the foreclosure. I borrowed money from friends and family to save my home. I am working 16 hours to pay my bills and mortgage but this does n't let me to spend time to raise my XXXX years daughter properly and the other hand after my XXXX XXXX years ago- and going through XXXX, my XXXX so bad that I can not spend so much time on my feet. PennyMac offered me to sell my home because there is some equity on it. I did n't agree with PennyMac offer because selling my home pushes me to rent a place. The rent would be higher than my mortgage and the other hand I will spend the equity of home toward the rent soon I will be out of home and money. I again appiedy for loan modification this year and PennyMac denied it again and said XXXX XXXX does n't accept the request because I am paying my payment every month. Reality, I am struggling with payment.I am working 16 hours a day and asking help from my family every month and I can not continue any more. Last year when I did re-instead my loan I was charge so much by PennyMac for legal and other fees which added to my debt. I have to be in default again to be able to request loan mod but I afraid because PennyMac will charge me another legal and other fees. I need some one help me to modify my loan and reduce my payment. I can not continue to work 16 hours with having a XXXX years old child and XXXX.
Product: Credit card

I called to increase my credit limit from {$700.00} to {$5000.00}. They refused because they had gone in manually increased the limit by {$200.00} without my knowledge within the last 30 days. Citibank Drive card is the company that did this without my knowledge.

It is absolutely wrong what they have done and now refuse to do. 

Their phone number is : XXXX
Product: Money transfer, virtual currency, or money service

My cash app was hacked and all my funds ( {$3500.00} ) taken. I contacted cash app and they took forever to get back to me and when they finally did they advised me to add security features ( password ) but couldnt do anything about my lost funds. I told them this was a bridge of security
Product: Credit reporting, credit repair services, or other personal consumer reports

Legal name is XXXX XXXX XXXX on Florida Drivers License. 
XXXX XXXX XXXX XXXX XXXX FL XXXX has been my legal address for 12 years. 
My ONLY phone number is XXXX. 
NAMES MUST BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX All of the above information needs to be removed immediately. None of this information on my EXPERIAN credit report is correct. Please confirm in writing all incorrect names have been removed. All incorrect address and phone numbers have been removed.
Product: Mortgage

I was driving from XXXX  to XXXX  when I made an online payment. Fifth third has tagged my account as 30 days late because it says I made the payment at XXXX XXXX  EST and the cut off is XXXX XXXX  EST however the payment was made at XXXX XXXX. I have made multiple phone calls and apparently a time change occurs between XXXX  and XXXX  when traveling or crossing XXXX. I spoke with a supervisor XXXX at fifth third who could not have been more UNHELPFUL. I explained the situation. She confirmed the time stamp on their end but would not offer to assist me in any way nor escalate my call to someone who would have been a bit more helpful or offered assistance. I can not control how the time fluctuates and changes and for XXXX minutes should not be penalized. I need someone to help me with this situation please.
Product: Vehicle loan or lease

I purchased the vehicle, ( XXXX XXXX XXXX ) from Oklahoma motor credit, or XXXX XXXX XXXX XXXXXXXX XXXX, around XX/XX/XXXX, the vehicle was repossessed in XX/XX/XXXX, the vehicle was sold shortly after for a unknown amount to me as I wasnt made aware of the sell, I contacted them by call and they said they werent sure but I still owed XXXX, its now XX/XX/XXXX I received a letter about a summons for court, the person delivering it failed to sign it, failed to disclose who they were, and the summons says since the cars sale it has built up a interest cost at a interest rate of XXXX XXXX for the past couple months, I have not received any contact from them or any letter besides the XXXX handed to me, I called they couldnt tell me anything, the car was unfairly sold for a low amount that is under what the car was worth, it was worth at least a couple XXXX, but I do not even know when it was sold or for how much, its been XXXX months since the repo and it has built interest since then and I was never aware of this or notified I owed a deficiency since this is the first letter received in XXXX months I have had nothing, I am being taken to court for XXXX total due, and thats not including court costs, lawyer fees I have contacted my lawyer and I am pursing legal action against them but I refuse to pay something unless they prove they attempted to sell the car fairly, which I dont believe they sold it fairly, the car loan was originally XXXX I paid it off to XXXX the car was sold for under a couple XXXX, the XXXX XXXX was XXXX, thats including the repo on record and value I checked when it was repoed. And even if I wanted to deliver the letter which I have XXXX days to deliver it has no signature the name of the person delivering it and it looks very unofficial like they wrote it themselves, I would be fine paying it, if they made a effort to collect the debt which they did not as I havent gotten anything in mail since XXXX and I contacted them to no avail and had given up. The letter is also XXXX days late as the noted date is XX/XX/XXXX and its just now arriving so I am not even sure if I still have XXXX days since it may be just XXXX, and it says if I dont respond their will extra costs. Its been XXXX months since last contact.
Product: Debt collection

I was driving my boyfriend car but the car is registered to me. I was a secondary driver on insurance policy. I was in a motor vehicle accident XX/XX/XXXX. I was hit by a driver and had no fault. The person the vehicle belonged too was not the driver. I received a phone call from XXXX XXXX in XXXX of XXXX stating I will be sued and my drivers license suspended if I do not pay the estimated amount of {$6000.00} back to them that they paid for the other parties vehicle without hearing my side of the story I was out the loop. This accident is on my drivers record and it states no at fault. I notified my insurance adjuster about the claim. XX/XX/XXXX she reached out through email to see if spoke with my insurance company. I received a call from my insurance company stating that they can not make contact with XXXX XXXX and have I spoke with her and I told them not since the last contact. My adjuster stated they will close the claim since they had no correspondence. I was never contacted by the other party insurance company to hear my side of the store that the other vehicle hit my car. I fixed my vehicle on my own. I have not heard anything from XXXX XXXX until today XX/XX/XXXX I received a phone, but I missed and called back and XXXX XXXX did not answer. I do not believe I should pay them back for fixing the other driver vehicle for hitting the vehicle I was driving and I did not cause the wreck. This is an unlawful debt collection and I will like the matter dismissed against me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes fail to investigate my disputes and claims adequately I've lost lots of money due to such events