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

Hello, my name is XXXX XXXX XXXX, I am writing to report a distressing incident of identity theft that has caused significant harm to my financial standing. It has come to my attention that someone has fraudulently used my social security number to open multiple credit card accounts without my consent or knowledge. 

The unauthorized activities conducted under my name have resulted in a series of negative items on my credit report, which are entirely inaccurate and detrimental to my financial reputation. I am deeply concerned about the potential long-term consequences if these fraudulent accounts are not promptly addressed and removed from my credit profile. 

I kindly request your immediate attention and assistance in investigating this matter. I have taken the necessary steps to file a police report and have notified the affected credit card issuers. I have also placed fraud alerts on my accounts with the major credit reporting agencies. 

Considering the severity of this situation, I implore you to take immediate action to remove all negative items associated with these fraudulent accounts from my credit report. This will help restore my creditworthiness and prevent further damage to my financial stability. 

I have enclosed copies of the relevant documents, including the police report and any other supporting evidence, to aid your investigation. Please treat this matter with utmost urgency and provide me with regular updates regarding the progress made in resolving this issue. 

I greatly appreciate your understanding and cooperation during this distressing time. I trust that your expertise in handling identity theft cases will enable a swift resolution to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the provided contact information. 

Thank you for your immediate attention to this urgent matter. 

The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 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's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible
Product: Mortgage

My home I have owned for 13 years is set to be auctioned by Select Portfolio Servicing on XX/XX/XXXX. I live in the home with my adult daughter and we can afford a fair mortgage payment so this situation is avoidable. We actually were offered a modification by Select Portfolio Servicing and made our payments for six months. We then received paperwork that we were approved for a permanent modification, however, the loan balance increased significantly and the payment was also much higher than the original modification. We could not figure out how they came up with these numbers based on our income. We were not able to afford that payment and had to decline the offer. We asked why we had not been considered for any of the new GSE programs available to homeowners with conventional loans backed by XXXX XXXX and XXXX XXXX but could not get any answers. We then hired a law firm to help us and once again, we eventually received an offer, but this new payment was close to 80 % of our monthly income and not affordable. We tried to get answers as to how this was calculated and what programs we had been reviewed for but could make no progress. 

This loan was originated by XXXX back in XX/XX/XXXX. I wanted to lower my rate and payment and had to trust XXXX because I spoke little English at that time ( was primarily XXXX speaker ). There were many things that seemed odd and rushed about the loan process ( I have a lot of questions about the appraisal and value ) and based on what XXXX did to inflate values and peddle predatory loans this all made sense. 

I paid as agreed on this loan for nearly 10 years. I work as a XXXX XXXX to XXXX XXXX and my adult daughter also lives with me and contributes 100 % of her income toward the household expenses. Due to some health and employment gap issues we fell behind in XX/XX/XXXX. Around that same time our loan was transferred from XXXX XXXX XXXX to Select Portfolio Servicing. We got all of our financial information together and submitted it to them and were given a fair and reasonable trial modification. I made 6 payments on the trial modification as agreed but when I received the final permanent modification documents the balance of the loan had been significantly increased as well as the monthly payment which was close to half of our monthly income. We were not able to afford this payment and had to engage a law firm to assist us. They sent in another application and we were once again approved but this time the payment was even higher than before. 

We have since tried to engage with SPS to find out how and why they came up with these calculations and also find out what programs we were considered for. I don't believe that we were considered for any of the new GSE programs that were established to help homeowners. Instead of getting answers we are being denied information and denied access to a review of our current and correct financial circumstances. We are facing a sale date on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX
Product: Mortgage

I did ask my lender ( Citimortgage , Inc. phone XXXX ) multiple request to waive the escrow account and the company denial my request for the reason they said is loan-to-value ( LTV ) ratio too low, now at current value of 84.36 % .but this value it was calculated in XXXX when they original appraised value of the property of $ XXXX.I recently appraised the property using a private appraiser and the property value is more higher but CitiMortgage do n't want to accept it, and then I request the company to do their own appraiser but they do n't want to do it.That is the mean reason for this complaint and I do appreciate any kind of help from you. 
Thank you.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant XXXX, to the poinXXXX where it is XXXX  my XXXX XXXX XXXX. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Mortgage

On XXXX/XXXX/2015, I received a letter stating that Ocwen has not received my payment for XXXX/XXXX/2015. Please find attached an email from Ocwen ( under document proof payments ) stating that they have received such payment on XXXX/XXXX/2015 ( before XXXX when late payment fees can be assessed ). Additionally, it said on the notice that a late charge has been assessed but in the itemization of current amount due, it stated that there were no current late charges and the balance due was {$1400.00} and {$87.00} for the negative escrow balance for forced placed insurance which was under review at that time. 
On Friday XXXX XXXX, 2015, I received a letter dated XXXX XXXX, 2015 stating that I have {$3300.00} of past due payments. Please see attached proof of payments for {$1400.00} made for XXXX XXXX, 2015 through XXXX XXXX, 2015 which does not explain the past due amount stated on the letter. 
Additionally, I sent a check in the amount {$1000.00} to their office on XXXX XXXX, 2015 to pay off the negative escrow account for the force placed insurance from XXXX while I am trying to go back to the insurance companies to research the information. I should not have any past due amounts for the mortgage payments or late fees as I have been paying it monthly before the XXXX of each month. As of XXXX XXXX, 2015, I should not have any negative escrow account as I sent a check to cover the entire balance. 
Consequently, I am asking Ocwen to please address the discrepancies on their statements so that they can reflect the right amount of the mortgage payments XXXX principal and interest ) in the amount of {$1400.00} moving forward.
Product: Money transfer, virtual currency, or money service

I am concerned regarding XXXX handling of disputes and issues I have experienced while using the platform. I have used XXXX multiple times and and reported issues and my bank institution failed to respond investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of transparency and accountability is unacceptable and raises questions about consumer safety.
Product: Credit reporting or other personal consumer reports

See attached Affidavit of Facts with Exhibits ( myFico.com credit reports for Equifax, XXXX and XXXX and Form 1099-Cs )
Product: Debt collection

Inaccurate and unauthorized accounts appeared on my credit report ; remove them at once.
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. 

ACCOUNTS ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 conviction 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: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I called Equifax several times asking them to remove any/all internal blocks from my Equifax credit report/profile, and they just kept giving me the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX added 2 late payment when Covid 19 was starting and everyone was struggling and i was never late on any payments this information it's completely wrong i try to fix this issue with the dealer and they said they can't help. 

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XXXX XX/XX/2023 I arrived in XXXX XXXX XXXX, XXXX. I took a taxi to a nearby hotel ( XXXX XXXX XXXX XXXX ) in XXXX XXXX of XXXX and agreed on a XXXX peruvian Sol ( USD {$13.00} ) fare with the driver which is a standard fare rate. The driver took my credit card info to pay and charged me XXXX peruvian Sol ( USD {$130.00} ) without my permission. The driver committed fraud by not showing me the amount and forging my signature. I never agreed to the amount or payment and I was not provided a receipt when I asked for it. The driver was confrontational and rude so I did not feel comfortable escalating the situation in the moment. I was a victim of credit card fraud.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 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 is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted..

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!
Product: Checking or savings account

I rented a vacation apartment online, and upon seeing that the price was more than double the advertised rate, I first attempted to get a refund for the rental through the landlord, but they refused. I called the bank to see if I could cancel the charge to my debit card. I explained to the agent at my bank about what had happened, and asked what my options were. The agent assured me that we could contest the charge and would win. I mentioned that I was hesitant about it, because I would hate to rent a separate property, only to end up having to pay for both down the road. The agent assured me it would n't come to that, and that I should proceed in renting a new place to stay. Sure enough, after the vacation had come and gone ( and we had rented a separate hotel room ), the bank concluded that I had LOST my contest, and would still have to pay the {$730.00}. I called the bank back to explain the situation. I asked them to pull the audio recordings of the call so they could hear the agent assure me I would get my refund. They said they would re-open an investigation and pull the tapes. One week later I received a letter saying they were upholding their decision, and that I would still have to pay the {$730.00}.
Product: Checking or savings account

Without warning or justification, HSBC USA froze my account in XXXX XXXX after I deposited a check and after my direct deposit was paid into the account on XXXX XXXX. I was not given notification, and despite alleged claims that their fraud department told verbally that that thee check would be held 5 days that never happened and in reality the hapless overseas employees HSBC uses asa their back office rather than give me a timeline implied that there was no timeline they had to respect. I now see this is the case as 7 weeks from then they are still holding my money illegally and can not tell when I should be receiving it.

According to the regulations from the Federal Reserve bank that governs availability of deposits, as my deposit was a state check from CA not deposited in person the funds should have been made available to me for withdrawal no later than the second business day afterward what an HSBC customer service agreed was the funds availability schedule. and yet I was never given notifications to this day the only written notification I have received about my checks and direct deposit and anything having to do with my account being frozen has been in response to my formal complaint to regulators. HSBC has brazenly been in non-compliance of various regulations that dictate availability of funds for withdrawal, all of which stress that the bank has a duty to do it in a timely manner, and must notify me anytime they deviate from these strict guidelines ( XXXX ; XXXX ; XXXX ; XXXX ), and even taking into account the exceptions in XXXX they must still be made available to me in a timely manner. I do not believe HSBC had 'reasonable cause to doubt collectibility '', even if it had, that was answered when the check was paid. Keeping my funds for 7 weeks after this and not allowing me withdraw my money via ACH transfer violates my rights under regulations Especially since my account was not officially closed for the past 7 weeks. I think HSBC has so violated the spirit of the regulations that I am well within my rights to seek the maximum civil liabilities from them as outlined in XXXX.