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

Sir or Madam:To whom it may concernThe sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXThe items listed are clearly fraudulent; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b).III. A. Blocking Information in Credit Reports under Sections-605B and 623(a)(6)Under section 605B of the Fair Credit Reporting Act (FCRA), both the credit reporting agencies (CRAs) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA (furnishers) are responsible for blocking fraudulent information from appearing in victims’ credit reports, blocking fraudulent information from appearing in victims’ credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely,JXXXX XXXX XXXX  DOB: XXXX XXXX XXXX XXXX XXXX fl XXXX
Product: Debt collection

This debt collector continuous send out late, time sensitive documents that look like junk mail, unsolicited adverting and some of this mail to my current address had no return address. I am not sure the how they sent the alleged collect documents in the pass however I was not notified of this debt till years after the court proceedings against me. This company levied my student financial aid. Although the company no that the levied fund are exempt they refuse to return them. This company forced my student college fund closed at XXXX Bank. Their caused me to fail classed and force me to drop out of school. This company has extorted money from my college fund that was from a inmate trust account check that did not belong to me. this company financial bulling has cause me to fall XXXX. I also am still considered a student however I can not return to school with this company beating me up financial where I can afford food, books, tuition and the necessaries a student would need to do well. I believe that I do not owe this debt because there was activity on the card on a date I was in another state where my purse was snatched off my arm and i had to have new car keys made, purchase cell phone. I also stayed at the hotel because it happen on the property the manage comp me a room and I used cash to stay a few more nights to help look for the assailant. I work with XXXX would have record of that.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX, I had deposited XXXX into my XXXX wallet which is in my Gemini account. I then proceeded to purchase the crypto currency XXXX and tried to withdraw the funds to an external wallet. As I try to wirhdraw it an error message comes up saying Withdrawal not available : Temporary security period. I emailed Gemini the same day to sort the issue and received a reply stating I should upload a selfie holding a piece of paper and my ID. This task was very difficult as they was asking to be able to read the information on my ID. After multiple tries, they finally accepted the selfie and told me that this case will be escalated so I can withdraw. However for 2 days I didnt receive any response or update. I had to chase them up on XXXX with no reply. I then went to XXXX where I had to create multiple threads in order to receive a reply. I was then emailed by Gemini again and this time was asked to upload further documentation. I uploaded my bank statement and all till now I have not received a reply nor have had access to my funds. While Gemini has the right to close any account for any reason they do not have the right to freeze and hold your assets without a legal reason. I have not been provided a reason as to why my account is frozen and I have a lot of bills to pay. My money being held is putting me at distress. It has been more than a week.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries from my credit file from XXXX, Equifax, XXXX immediately.
Product: Debt collection

After previously requesting that XXXX XXXX not call me and to use email as the preferred communication method, they ignored my request and continue to call multiple times throughout the day. In addition to ignoring my request to be contacted via email only, they contacted a family member via phone, notified them of the debt they were trying to collect, and tried to ascertain additional contact information. The phone call to my family member was received on XX/XX/22 on/around XXXX.
Product: Mortgage

I phoned my mortgage company, Amerihome, today. I was harassed and mistreated beyond my level of comprehension. The phone representative made threats and posited herself in a very aggressive manner as though she was bullying me. This was all because I wanted to make a mortgage payment as I was locked out of my account. The woman 's last name was XXXX and her ID was XXXX. 

I did not pick Amerihome ; they bought my mortgage from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30-day late payment on my mortgage account listed on my credit report in the payment history section, called XXXX XXXX XXXX XXXX Mortgage Account, which date was opened on XX/XX/2018. I have disputed this account with Experian and XXXX and they have not removed late payment for the month of XXXX to reflect a " never late ' payment status on my credit report and Experian, XXXX and XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this 30-Day Late Payment for the month of XXXX from my mortgage account listed on my credit file for the month of XXXX immediately and if it is not removed, then I will be filing a lawsuit against Experian, XXXX, and XXXX XXXX XXXX XXXX for not removing this inaccurate late payment for the Month of XXXX. XXXX XXXX it is reporting 60-Days late and on Experian it is reporting 30-Days late for XXXX on my credit report. I have attached a copy of an updated letter, which I received from the creditor, which I already reported to the credit bureaus already. In the letter they stated that this 30-Day Late Payment for the month of XXXX is an error on their end and for the credit bureau XXXX update the record to reflect pays as agreed for the month of XXXX. Therefore, I have attached it to this complaint.
Product: Credit reporting or other personal consumer reports

Account : XXXX. To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged account is not only listed as OPEN, but also as having a past due balance of {$2000.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to The Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I went to discount tire at address XXXX XXXX XXXX XXXX. XXXX XXXX, ok and applied to get a loan for tires. They use Synchrony bank to either approve or not approve. I was not told by dicount tire nor Synchrony they would be running a hard credit check but a month later my credit dropped heavily and it affect my other loan company 's as well XXXX would loan me up to XXXX dollars to XXXX on my auto work done at XXXX XXXX after Snchrony hard credit check now they will only approve XXXX to XXXX dollars where's before it was XXXX or more.that is fraud and wrong to be deceptive Noone said a thing about hard credit checks but this has affected my credit score in a negative way it just not right to fraud consumers and not reveal that information first.something must be done to fraudulent banks who decieve consumers like discount tire and synchrony did to me thank you for taking the time to read my story
Product: Mortgage

I bought a house from Toll Brothers in XXXX VA. Toll brothers always recommended us to use their TBI mortgage. I signed up for a rate lock ( at 4 % ) with a promise that TBI Mortgage will renegotiate a lower rate if the rates dropped or if I could find a lower rate else where. The rates dropped really low once and I called them and asked if my rates changed. The agent agreed that my rate has dropped to 3.875 % and he is put in a renegotiation and get back to me in 2 days. He called me back after two days and said that my renegotiation has been declined because I am too far away from closing. at this point I lost trust in the lender and started shopping outside and got an offer for 3.5 % interest rate. I took it to TBI and asked him to match and waited for a week. My agent clearly told me that he will not match it and I should go with the other lender. Now Toll brothers has charged me a 1 % fee since I went with the other lender and not TBI. I never got what I was promised from TBI, then why should anyone charge me that fee?
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with this company. Therefore, they should not be reporting any inaccurate statements to the credit bureau ; According to section 609.
Product: Credit reporting or other personal consumer reports

Three Fraudulent Loan have been opened by a thief who stole my information. The first loan was opened in XXXXXXXX XXXX XXXX the second in XXXXXXXX XXXX XXXX and the third loan for {$1700.00}. After the first loan I had already send them an Identity Theft application with all the information they needed. But they still approved two more loans after during theyre investigation into the first loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed disputes in regards to my payment with XXXX about my reported payments on my Mortgage account. As of today the payment has not been reported. I appears that XXXX is taking its time to update incorrect information which delays the reporting of the correct Credit Score. 

This appears to be a deliberate act. I also dont understand how my scores are moving by XXXX, XXXX and XXXX points with all the no reported payment being corrected on other accounts.
Product: Credit reporting or other personal consumer reports

This is in reference to CFPB complaint numbers XXXX ( credit cards ) and XXXX ( auto loan ) that are now closed. On or about XX/XX/year>, I submitted a compliant to CFPB because two accounts were open in my name and listed on my XXXX credit report. I made several attempts at resolving the issued with the vendor XXXX XXXX and XXXX XXXX XXXX ( through phone calls ) but was informed that no such information was listed with my information in their records. Therefore, I made the CFPB compliant ( see numbers XXXX ( credit cards ) and XXXX ( auto loan ) ) to resolve the issues and was also told that XXXX  XXXX and XXXX  XXXX XXXX did not have any information or accounts opened with my name/personal information ( see your files for company response ). Today, I go to check my Equifax credit report and find that this information is listed on my Equifax report and now there is a third account listed. I have never authorized the opening of any accounts with XXXX XXXX or XXXX XXXX XXXX or any of its affiliates. The three fraudulent accounts listed on my Equifax Credit report is as follows : Ending in XXXX Credit Card Account {$1800.00} balance ( cfpb # XXXX ). 
Ending in XXXX Credit Card Account $ XXXX credit limit {$0.00} balance. 
Ending in XXXX XXXX XXXX XXXX XXXX {$15000.00} balance ( cfpb # XXXX ). 
I am kindly asking for these accounts to be removed from my credit report. I have been a victim of identity theft, and the information listed on my credit report related to XXXX XXXX and XXXX XXXX XXXX is fraudulent and erroneous. I have not authorized the opening of any XXXX XXXX Accounts. Ive enclosed portions of my Equifax credit report to assist you in removing this information. Thank you.
Product: Money transfer, virtual currency, or money service

I have XXXX sitting in my blockchain.com account wallet, I am unable to use this to buy any crypto, I am unable to transfer to my wallet which supports XXXX payments ( XXXX XXXX so that is not an issue. It just keeps saying I have no money to withdraw/use to buy crypto. 

I click the euros and it automatically converts to XXXX so maybe its a software bug but its been happening to many users after doing XXXX
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, In this follow up, I regret to inform you that these items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

The following information is incorrectly reported on my credit report because I was on Medicad at the time of service. No income and no employment which allowed me to be on Medicad. With XXXX, TransUnion, and XXXX. 
Collection Agency XXXX Original Creditor XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Balance {$65.00} Collection Agency XXXX Original Creditor XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Balance {$110.00} Collection Agency XXXX Original Creditor XXXX XXXX XXXX XXXX PA Opened Date XXXX XXXX, XXXX Balance {$740.00} Collection Agency XXXX Original Creditor XXXX Opened Date XXXX XXXX, XXXX Balance {$75.00}
Product: Credit card

The complainant XXXX XXXX respectfully addresses you because in the month of XX/XX/XXXX he received an offer for a credit card from Wells Fargo Bank for XXXX XXXX XXXX XXXX dollars. The complainant says that he has had an account with Wells Fargo for more than five years with a checking account and has good credit. The complainant thought that for those reasons the offer was easy and fast. The offer was " we are sending you a pre-approved credit card for {$7500.00} with XXXX interest and other things with a XXXX fee that looked very nice, it was only the payment of an annual fee of no more than {$200.00} per year and was at the discretion of the bank '' I called and asked if I had to go to a branch and read the contract in front of a banker and they told me no, just sign and that's it because I was selected by the bank for this promotion for being a good customer. The plaintiff says that he never received a notice by mail stating the terms and conditions and that he was carried away by the application and the phone call he made to the bank. Now two years later in the month of XX/XX/XXXX they charge me {$180.00} in interest. However, the complainant made the payment as usual, but with interest of {$180.00} per month. The complainant says that this was a deceptive practice combined with fraud. 
The plaintiff says that in the application they gave him the name XXXX XXXX XXXX and his name is XXXX XXXX XXXX XXXX and now they send him the terms and conditions and they say what he should say before applying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing an Ally financial on there that does not belong to me I'm also seeing things dated on XX/XX/XXXX of 2023 from employment agencies that I did not apply to that are looking up my credit status and other things that I have not applied for like credit cards and it made my score go down
Product: Debt collection

keith d. weiner and assoc out of XXXX ohio, representative XXXX called to inform me about making a payment on my balance of XXXX dollars that has been payed down in the last 2 month from XXXX dollars. first he called my work and was never given permission to do so, after talking to XXXX and explaining my situation and why I was not able to make a payment until XXXX XXXX he later said if I did not pay today I would be sued by his law firm. out of fear for being sued I filed a complaint with the ATTORNEY GENERAL AND THE B.A.R OF OHIO
Product: Student loan

XXXX has failed to refund my payments during the COVID payment pause. I requested the refund XX/XX/XXXX and was told my refund was processing. I called again XX/XX/XXXX and was informed the refund is still in processing. It is now XX/XX/XXXX and I haven't received a refund or further contact from FedLoan. From XX/XX/XXXX through XX/XX/XXXX, I made {$1700.00} in payments. My loans have now been transferred to XXXX and a request has been submitted to XXXX for a refund.
Product: Debt collection

On XX/XX/XXXX I received an alert from XXXX that my credit score dropped and it was because I owed Capital Collections Services {$410.00} from an account with XXXX XXXX. I had already paid XXXX XXXX directly. XXXX was to notify Capital as we discussed. I disputed this on XX/XX/XXXX with XXXX. The response to my dispute was received on XX/XX/XXXX, Capital reported that the information was accurate that I owed them {$410.00} and was still unpaid, they also change the date of when the charge was placed on my credit report to XXXX back dating it, for which I have evidence they have done this with emails, and screenshots from XXXX. They have committed fraud. I will be contacting an attorney if this is not resolved, removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since I submitted my complaint against Experian ( XX/XX/2020 ),  they have required that I two-step verify EVERY SINGLE TIME I log in to Experian. It is extremely annoying. I do not know what category of complaint this would fall under, but in ALL the time I've been using Experian, this has never happened ( but immediately after lodging the complaint, it began and has not stopped -- even though I'm logging in from the same computer every single time ). I think this is backlash for my complaining. Actually, XXXX  did the same thing. As soon as I lodged my complaint ( it is in my complaints records ), problems began with logging in. It hasn't been resolved to this day. I would try to log in, and, despite the fact that the password was saved in my browser, it would claim I was putting the wrong password in, so it would warn me that I was running out of opportunities to log in and that the account would lock if I kept inputting the wrong password. The only way around this was to go through the process of making a new password -- and I've had to reset the password to the very same password it always has been many times and to this day I still have the same problems if I don't log in for a while. It takes a long time to fix the problem, and then the problem is never actually solved. It is draining. This has to be backlash from these companies against people for following the established protocols for complaining about them.
Product: Credit card

Dear Sir or Madam, I am writing to formally file a complaint against Capital One Financial Corporation regarding their inadequate fraud protection and customer service concerning a disputed transaction on my account. 

On [ date of transaction or dispute ], I was charged for a Soft Sensitive Teeth Protection risk-free trial product, which resulted in the following charges : Subtotal : {$120.00} Taxes : {$11.00} Total : {$130.00} USD Despite my efforts to report this issue and seek assistance from Capital Ones fraud department, I have not received a satisfactory resolution. I believe that Capital Ones failure to properly investigate and remedy this unauthorized or misleading charge has caused me financial harm and unnecessary inconvenience. 

I have attempted to resolve this matter directly with Capital One through their customer service channels, but my concerns have not been adequately addressed. I respectfully request that your office review my case and take appropriate action to help protect consumers from such deficiencies in fraud protection and customer service practices. 

Enclosed with this letter are copies of relevant documentation, including transaction details, correspondence with Capital One, and any other supporting materials. 

Thank you for your attention to this matter. I look forward to your response and guidance on how to proceed further. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information. 

Sincerely,