23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have been monitoring my credit report ever since I was informed by my credit card company XXXX XXXX XXXX on XXXX XXXX, XXXX that I have been a victim of Identity Theft. Someone stole my personal information such as my name, date of birth and social security number to open several or numerous credit card accounts without my consent. The suspect has been committing the crime of theft under my name since XXXX XXXX. The suspect used a fake address of XXXX XXXX XXXX, XXXX California to obtain these credit cards. I had to dispute most or all of the fraudulent charges against me due to Identity Theft. I already filed a XXXX XXXX Police report on XXXX/XXXX/XXXX and placed a Fraud Alert and Security Freeze using XXXX Credit Bureaus such as XXXX, Experian and XXXX. On XXXX/XXXX/XXXX I sent Experian a XXXX XXXX Police report, my current California driver license, my social security card, my DMV bill and property tax bill in order to verify my real true identity. I do NOT know if Experian received these personal documents or the fact Experian loses items from customers. I already told Experian that I do NOT live in XXXX XXXX XXXX, XXXX, CA on several occasions. I told Experian that I have been living in XXXX XXXX, CA since XXXX. Experian insisted that I send them another copy of my driver license and other personal documents again. Experian still refused to assist me and failed to answer my phone calls by putting me on hold for over 30-45 minutes every time I called. I already sent Experian all my personal documents on XXXX/XXXX/XXXX. I just do n't know why or how Experian lost my documents. My identity has already been stolen and Experian lost my personal documents into the wrong hands of criminals. Experian refused to conduct a thorough investigation based on my requests. Experian refused to assist me.
Product: Mortgage

This has been an ongoing problem with  Provident fund ing. When I bought my house  in  XX/XX/XXXX  Provident covered  my first and second mortgage. They sold my first mortgage to another company and kept my second mortgage. Not known to me the second mortgage instead of being a 30 year fixed is a balloon payment after 15 years. That time is rapidly approaching and after numerous attempts to refinance the second as I will in no way be able to make the balloon payment in 45 mont hs they keep rejecting me. Provident claims  since they do n't have my first mortgage they ca n't refinance. They are the ones who sold my first mortgage. They keep saying basically there is nothing they an do and wo n't work with me. I got them to admit that I have to either default on payments or wait until I owe al most  XXXX  in  XX/XX/XXXX  and default th en and they will work with me. My payment is {$240.00} per month currently a nd  XXXX  in one lump sum  will be impossible. This last attempt was what they call a modification so I can be ahead of the balloon default. They just rejected me basically saying I am current on payments so I ca n't be helped and they do n't refinance second mortgages. Why is it that they can force me to default as my only option when a refinance would satisfy both parties. They sold my first mortgage creating this problem in the first place. I have been dealing with this for over a year now. Defaulting is a ridiculous proposal since it will hurt my credit badly. My  credit score is a  XXXX  and I  have been a customer of their s since  XX/XX/XXXX . thanks in advan ce for your help.
Product: Mortgage

XX/XX/XXXX, I had a cell phone ( smartphone ) stolen. This was reported to my local police department. I thought that all the security apps I had in place would protect me but I was wrong. Due to that theft my identity was compromised. As a result I dealt with everything from accounts attempted to be opened to funds being funneled out of my checking/savings account. For the first time in my life I was thankful that I was not rich as there was n't much to steal but enough to put me in uncharted territory. With thanks to my bank I was able to slowly but surely remedy the situation. But due to the circumstances, I for the first time was behind on my bills. I had a credit score before all this happened of about XXXX-XXXX, not perfect but respectable. I am scared to even check to see what it is now, literally. XXXX has creeped in. With all this going I was looking for options to keep myself and my family afloat without issue. I received an advertisement which I can upload later mentioning a forbearance possible on my 2nd mortgage account. I called CitiMortgage, received some information, and wanted to begin the process. I was told that I was n't late enough to take advantage of anything but if I became more past due options would open for me ... this made sense but sounded frightening at the same time. I reluctantly let the account go further behind until it was time to take advantage of the forbearance which I was to initiate the process before XX/XX/XXXX. However, at that time I was told that that because my 2nd mortgage was not FHA or XXXX that I could not take advantage of the forbearance. My heart sank, I have/had the feeling that my life was ruined. I have a daughter who wants to go to college and now the credit worthiness that I worked so hard to maintain was ruined over misinformation. The only reason this forbearance option was even remotely attractive to me is because it would prevent credit reporting once I accepted the forbearance terms. My primary mortgage account was never late since obtaining it XX/XX/XXXX, not once, not ever. I am a responsible customer. Although the rate is substantially high here on this account I have n't had any issues with CitiMortgage. CitiMortgage is a great company and I just need someone who can understand and help me. I simply want to remedy this situation and receive accurate information.
Product: Debt collection

On XX/XX/year> I scheduled an XXXX XXXX XXXX XXXX XXXXXXXX XXXX via XXXX XXXXXXXX XXXX XXXX  ) However, during my appointment on XX/XX/year> the attending XXXX began asking me questions regarding who my XXXX is... etc and then as she began entering selections in the system as she said " ... lets see what happens ... '' Afterwards I began receiving billing for payment request for services I didn't sign up to receive. 

After calling XXXX they refer me to XXXX XXXX ; when I call XXXX they say call billing..etc. Furthermore, XXXX has not correctly reported my cXXXX XXXX XXXX  that was done on XX/XX/year> due to this billing inaccuracy
Product: Credit reporting or other personal consumer reports

XXXX was when i reached out to request for a 1099c i was told that it had not been filed yet and still have not heard back from XXXX XXXX XXXX regarding this matter in the amount of this {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are violating the Fair Credit Reporting Act ( FCRA ). These companies have pulled my credit report without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Was told my account would stay current with no missed payments while I was under the forbearance, but they still reported missed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Illegally without my consent furnished inaccurate identity theft information to a company called EARLY WARNING SERVICES. I sent Early Warning Services as well as XXXX  XXXX XXXX police reports and a cease and desist to stop reporting the illegal inaccurate information and they only blocked the information but did NOT delete the information as I requested per the FCRA. I was also not given any opt out disclosures as required by the Gramm Leach Bliley Act in order to opt of having my nonpublic information furnished to the public. They are in violation of the FCRA and I was a victim of identity theft. Someone tried to pass a bad check on my account and I was unaware of the situation without my consent. I want Early Warning Services to follow the law and delete the illegal account being furnished on me because its hurting my creditworthiness, damaging my reputation and they are willingly violating the law without my consent to furnish any information on me without my consent. I want Early Warning Services Investigated for breaking federal law against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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 is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXXXXXX XXXX XXXXXXXX Balance : {$810.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXX/XX/2022
Product: Debt collection

I am writing to file a formal complaint regarding an account listed on my credit report, which I believe to be inaccurate and unjustified. Despite my previous attempts to address this matter directly with the reporting entity, they have failed to respond or provide any documentation supporting their claim, as required by the Fair Credit Reporting Act ( FCRA ) under Section 609. 

I have made multiple attempts to resolve this issue by sending both mail and email communications to the creditor, requesting validation of the alleged debt in accordance with the provisions of the FCRA. Specifically, on XX/XX/2022, I sent an email to [ XXXX 's Email Address ] formally requesting proof of the debt in question. Regrettably, despite the considerable time that has passed, I have received no response or acknowledgment from the creditor. 

Under the FCRA, Section 609 ( a ) ( 1 ) ( A ), consumers have the right to request verification of any disputed debt from the reporting entity. Failure to respond to such a request within 30 days of receipt constitutes a violation of this federal law. Furthermore, Section 611 ( a ) ( 5 ) ( A ) of the FCRA mandates the removal of inaccurate or unverifiable information from credit reports.

Given the lack of response and failure to provide any supporting evidence, I believe it is evident that the creditor 's reporting of this debt is erroneous and inaccurate. Therefore, I kindly request your intervention and assistance in addressing this matter promptly.

I kindly request that the Consumer Financial Protection Bureau take the following actions to rectify this situation : Initiate an investigation into the alleged debt and the creditor 's failure to respond to my previous communications as required by law.

Direct the creditor to provide me with the requested validation of the debt in question within the statutory time frame. 
Instruct the credit reporting agencies to remove the disputed account from my credit report until such time as the creditor has provided sufficient evidence to substantiate their claim. 
Take appropriate enforcement actions against the creditor for their non-compliance with the FCRA. 
Enclosed with this complaint, please find copies of my previous correspondence to the creditor, including the email dated XX/XX/2022, as evidence of my attempts to resolve this matter amicably. 

I greatly appreciate your attention to this serious matter and your assistance in helping me rectify the inaccuracies present in my credit report. Please feel free to contact me should you require any further information or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX, XXXX - ACCT # # # # # # 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

Midland Credit Management XXXX & XXXX ( used a law firm named : XXXX XXXX XXXX ) and sued me and received a judgement for an account that was included in a Police report because that account and amount were fraudulently opened. Amount on record is XXXX!! I forwarded the companies both of them repeated copies of the Police Report # XXXX. Both companies have harassed me contacting me and being very rude. They will not tell me yes they received the information! They went to court and placed a Judgement on my personal credit!! I have the police report that NOTATES this account is FRAUD. I NEED help, because XXXX & XXXX and XXXX will not remove this collection account even after I sent in the official police report! Please help me I just tried to contact All bureaus but they will not remove this collection / judgement accounts from my credit. How can they legally sue me for something already been proven as Fraud??
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has placed on my credit report of missed and late payments from 2016. First of all this is not supposed to be on my credit report it is too old. Second there are no lates or missed payments and this needs to be removed from my credit report.
Product: Debt collection

My most recent credit report shows accounts that I believe were added without my consent and are incorrect. Please remove these fraudulent entries immediately.
Product: Debt collection

I did call to pay off the total debt amount for the card and requested the account to be closed as well. I did pay exactly the remaining amount they said it was needed for it be closed. Next month, they were calling me again saying I own late fees claiming the last payment was made a day after ( which I dont believe ), even though is not my fault they provided wrong information with malicious purposes to keep charging me. I refused to pay money I dont own to them and well they sent me to collections and have XXXX accounts against me. They justify their mistake saying the assessor who supposed to close the account was fired for his mistake, but didnt changed the status of the account and the amount is being increasing with the time, amount build by itself as late fees only.
Product: Mortgage

Erroneously paid property taxes that they hold no mortgage on Acknowledged that they should only pay taxes on XXXX parcel Unwilling to follow recommendations made by the XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
Offered a loan reinstatement that is financially impossible to perform Unrealistic tax escrow
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, Experian and XXXX. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, XXXX XXXX XXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
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 XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/year> 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: Consumer Loan

We were behind on payments by American Finance LLC of XXXX Delaware. We initially spoke with Rep XXXX XXXX, who told us how far we were behind. Then, we agreed to a payment arrangement to get payments caught up. We also spoke with another Rep named XXXX who also confirmed how far we were behind. Over the course of about 6 weeks, the amount they said we were behind was paid in full and we were told the account was all caught up and we were good to go. So, we resume with regularly scheduled payments on time. Then, all of a sudden, weeks later, we get a call from XXXX saying there was some type of glitch in there system and we still owed them {$530.00} and the account was still behind. We had already paid them well over {$1200.00} and now they are saying we owe them more money.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several billing errors. These late payments don't align with my usual payment history. Please address and update these inaccuracies on my account. Thank you!
Product: Prepaid card

I am a victim of the Equifax data breach and am entitled to receive a {$7.00} settlement payment as part of the class action lawsuit. However, I am experiencing extreme difficulty accessing my funds due to issues with XXXX, which is handling the disbursement. 

The digital prepaid XXXX provided can not be used in stores and is declined for an " incorrect PIN, '' despite setting up the PIN beforehand. 
I requested a physical card, which deducted {$4.00} for the cost of the card, received it, but was unable to activate it. 
These obstacles appear to be an intentional scheme to prevent victims from accessing their rightful settlement payments. 

I request that : I be issued a direct check for the full settlement amount. 
The CFPB investigate Equifax and XXXX for deliberately creating roadblocks that prevent victims from receiving their payments. 
The CFPB initiate another class action lawsuit against Equifax to hold them accountable for these deceptive practices.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX 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. 




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 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: Money transfer, virtual currency, or money service

I was victim of a fraud in my housing search. 

It all began on XX/XX/XXXX when I saw a post on a XXXX group of an apartment. The announcing profile was XXXX XXXX and she sent some nice pictures of a property located in XXXX XXXX XXXX ( XXXX XXXX ), XXXX NY. Everything seemed organized and we agreed to a price for rent and deposit. I asked for some support documents that were sent and I finally transferred {$1400.00} on XX/XX/XXXX. Today the person asked for an additional transfer and it seemed suspicious to me so I asked for a property certificate which was sent but it looks like a fraud. 

This is the XXXX account I transferred money to : XXXX, via the Bank of America XXXX. 

I transferred the money and filed a complaint with Bank of America, but there answer was that the money had already been accepted by the recipient. The bank did not take any positive action to request XXXX to cancel the fraudulent account.
Product: Credit card

About two weeks ago, I received a debit card in mail that I never applied for. It was from SoFi. I never heard of them before this. There was no credit limit mentioned, but it mentioned putting money into the account. I found the whole thing suspicious. I called them today to tell them about it, and they said they would startt an investigation. I also told them to cancel the account! 
I called FTC after and reported it. The lady I spoke to said I would be getting an email regarding this. I never got the email!!! 
When I went back to FTC site, it said to report it to the consumer protection department.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 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.