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

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Date : XX/XX/year> SYNCB/CARECR XXXX XXXX XXXX XXXX, PA XXXX XXXX Re XXXX Cease and Desist Request for Account Dispute Account Number : [ Your Account Number, if applicable ] To Whom It May Concern, I am writing to formally request that you cease and desist all collection activities, including but not limited to reporting the account referenced above to credit reporting agencies, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

This account, listed as being in collections or charged off with an amount past due of {$9800.00}, is being reported inaccurately. I dispute the validity of this debt and its inclusion in my credit report, and I request that you : 1. Provide Full Validation of the Debt In accordance with Section 809 of the FDCPA, please provide verification of the debt, including but not limited to : A copy of the original contract or agreement. 
Documentation proving the accuracy of the reported balance. 
Proof of ownership of this account. 
2. Immediately Cease Collection Efforts While this matter is under dispute, I demand that you immediately cease and desist any further collection attempts or reporting activity until proper validation is provided.

3. Correct Credit Reporting If you are unable to provide validation of the debt, I request that you remove this account and all related negative remarks from my credit report with all credit bureaus to which you have reported. 

Failure to comply with this request will leave me with no choice but to pursue legal remedies to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office. 

Please confirm receipt of this letter and your compliance with my request in writing within 30 days. All further communication regarding this matter must be made in writing to the address listed above. 

Sincerely, XXXX XXXX Be sure to send this via certified mail and keep copies for your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my my account was properly investigated but how is that possible if the open data is still inaccurate the data active is incarcerated and data is not accurate the grounds for removal They also violated my rights under. In accordance with the fair credit reporting act XXXX  account XXXX  has violated my right 15 U.S.C 1681 section 602 A 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 written instructions also also credit bureaus took more then thirty days to complete my investigation here are my Certified tracking number XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing accounts opened under my name that were not opened by me. My personal information was exposed in an Equifax data breach. I have not received requested documentation supporting the claim that bureaus are reporting back the the account " does belong to me. '' I am under the impression that this company is not even investigating any of these disputes. Instead I have been hit with stall tactics with responses asking for me to prove my identity by getting my disputes notarized which I have complied.
Product: Credit reporting or other personal consumer reports

I requested a consumer report from Early Warning as I learned they have my private information and built a file with this information without my consent or knowledge. The report was prepared on XX/XX/2024. I opened the report on XX/XX/2024 to find that they had a history of every banking transaction I have preformed with every bank I have an account with. I did not verify the transactions for discrepancies as I was in shock and shaking that my private information was being collected against my knowledge and consent. They requested my social security number, address, date of birth, and government issued identification so they could match it with the information in their database. They have my bank account numbers and I did not authorize or contract with Early Warning. I called on XX/XX/2024 XXXX to opt out or remove the information they retained in their records and they outright refused to stop reporting, remove my private information, and allow me to opt-out from their services. I have never contracted with them and they are holding my private information against my wishes and without my consent. The representative on the phone was adamant that she could not and would not opt me out or delete my account.
Product: Credit reporting or other personal consumer reports

i noticed an already closed negative account of XXXX and XXXX  XXXX XXXX on my account and i am very unaware of these XXXX accounts. I believe this is someone trying to use my information and i will be very pleased to see all of these incorrect information on my credit taken care of with immediate effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

state of Maryland XXXX  claim I went to there school I was a XXXX XXXX and sent to XXXX. how can I go to school. they said XX/XX/17 acct XXXX ... ... I took a loan. this is a lie. if I don't pay. they said that there the state and they can get whatever they want. there is no way to remove a student loan if you owe it or not. I must pay it threatened me to say I'm responsible and they will continue to ruin my credit. they threatened to ruin me they don't care if I was in XXXX  they just want there money. please help me. I need my XXXX
Product: Student loan

Last month, I accidentally made two payments, one manually and one on autopay. Only my manual payment was posted to my account, even though my bank account clearly shows both payments coming out of my bank. I spoke with customer service, submitted proof from my bank statement as requested, and was told I would hear back within 48 business hours. That was over a month ago and I never heard back nor was my second payment posted ( autopay ).

This month, I made sure I only made one payment on autopay. I got an email letting me know when my payment would be processed for autopay, which was correct. It processed as it was supposed to on the due date and shows up on my bank statement. However, I just got an email stating that I didnt make a payment this month and its overdue. The website even SHOWS that Im enrolled in autopay, yet the last payment it says I paid is from last month. When I called customer service, it immediately let me know that I was overdue and this was a debt collector trying to collect a debt which is BEYOND FRUSTRATING. Someone fix my account ASAP and show my payments correctly or Im going to keep submitting claims like this until its resolved!
Product: Credit card or prepaid card

I try to make a purchase with my capital one credit card however the purchase was not approved. I called capital one and explained it. They said it was a restriction on my card however if I made a payment the restriction would be lifted. This is not true because they still have not removed the restriction despite that I have made the necessary payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to submit a third complaint concerning the late payment reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit reports. This complaint is prompted by new information that further complicates the situation. 

Upon closer inspection, I discovered that for my Equifax credit report, I am being reported as 60 days late instead of the 30 days late that I previously mentioned in my complaints for XX/XX/XXXX as of today XX/XX/XXXX. I have never been 30 days or 60 days late and this discrepancy is significant, and I believe it warrants further investigation for why I was reported the 60 days late. 

To recap the events : XX/XX/XXXX : Received a notice from XXXX XXXX about being reported 30 days past due for XX/XX/XXXX, payment. 

Subsequently : Disputed the late payment report with XXXX XXXX and XXXX XXXX XXXX XXXX multiple times. 

Recently : Discovered the 60 days late reporting discrepancy on my Equifax credit report. 
Given this new information, I kindly request that the Consumer Financial Protection Bureau investigate this matter further and help facilitate a resolution that addresses the ongoing inaccuracies and damages caused by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to my credit report and personal well-being. 

Thank you for your attention to this matter as a XXXX XXXX XXXX XXXX  mom of a XXXX, who is working full time the support in the complaint and subsequent complaints submitted would be appreciated. I look forward to your assistance in resolving this ongoing issue.
Product: Credit reporting or other personal consumer reports

Numerous accounts where put on my credit report that were not mine between the years of XXXX to XXXX.
Product: Checking or savings account

JP Morgan Chase has froze {>= $1,000,000} in cash in my checking account. The freeze has taken place since XX/XX/2024. This is causing material damages which increase every second the money is erroneously locked. I have reached out every day multiple times a day to try to resolve the problem and CHASE has not provided any information with regard to the nature of the account being frozen, nor the timeframe for it being resolved. We have called into the fraud department, the electronic money movement department, gone to multiple branches, etc.. If this continues for longer than one more business day, my company will be on the brink of collapse.
Product: Debt collection

Multiple derogatory marks were placed on my XXXX, XXXX  and XXXX  account regarding Simon 's agency. This company violated my FDCP rights by failing to 1. Send a 30 day letter to inform me of my debt 2 Failing to validate my debt 3 Failing to provide proof of their ability to collect in my county
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The consumer reporting bureau Equifax, XXXX, XXXX and the Domestic relations secretary of XXXX  pa XXXX XXXX XXXX XXXX XXXX  are boldly violating my writes to privacy and are reporting inaccurate information on my consumer report. I never gave any of these companies written instructions. In 15 U.S.C 1681 section 602 A. States 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: Payday loan, title loan, or personal loan

I received a loan disbursement check from Oportun on XX/XX/2022 for {$5500.00}. I did not apply for this loan, so I called to ask why I received it and cancel the account. 

Oportun support told me that an account had been opened in my name and birthdate, but associated with an email address based in XXXX XXXX, XXXX and from a phone number in XXXX. Neither of those are associated with me. 

I followed up with an email ( XXXX ) to the company the same day confirming all of the details and reiterating my desire to close the account immediately. I was assured that an " investigation '' was being started. 

I followed up again on XX/XX/2022 asking for a status update. The company responded that it had forwarded the details of my " dispute '' ( again ) to the appropriate department. 

I began receiving account statements in the following months, and eventually late payment notices. I also noticed that they posted a late/non payment to my credit report that reduced my XXXX XXXX from XXXX to XXXX. IN addition, I would note that the check sent to me was never deposited, so the fact that they are charging interest seems disingenuous if not fraudulent. 

I followed up with a call on XX/XX/2022 to again check on status. The agent on the call told me there was no record of a dispute, and that she would forward my information and that in " investigation '' was being started that could take up to XXXX business days. I was not able to get contact information or other info about the investigation department. Needless to say, I am not confident anything will be done. 

It is quite clear that there are multiple issues at Oportun that suggest the company is not well run enough or competent to operate in the supposedly regulated financial services sector. Among these : XXXX. It is clear that the due diligence and XXXX  process at Oportun is completely inadequate. They opened an account based on an application that was fraudulent on its face ( email address from a island in the XXXX XXXX and a XXXX phone number ). 
XXXX. The company has ignored my request to close the account and restore my credit report information on multiple occasions. There is no history of these interactions in the account record at the company. 

I would like to know what actions CFPB plans to take against this company. If you are unwilling or unable to act, then please let me know the best way to approach this issue. 

Thank you.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX. 
Social security XXXX :XXXX DOB XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of XXXX XXXX  and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a account that opened up by OFFICE OF ATTORNEY GENERAL opened up XX/XX/XXXX under account XXXX, XXXX XXXX XXXX opened XXXX XXXX under account XXXX, XXXX XXXX XXXX opened up XX/XX/XXXX under account XXXX, XXXX XXXX XXXX under account XXXX, XXXX XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX  XXXX opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud. I have attached a copy of FTC XXXX XXXX XXXX Complaint XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

First, I sold my home and used the proceeds deposited into m y Citibank checking   account to make multiple online payments to credit card balances at other institutions usin g Citibank 's online bill pay. Citibank closed my checking account within the week. 3 months later, Citibank closed my credit card account, which I have used frequently for 9 years. I always try to maintain my credit limit utilization to under 80 % to the best of my ability. I have diligently managed my balance with Citibank over the years and never missed a payment. Citibank closed my credit card account and they are not providing me with any phone numbers for additional details. I have to hand write a letter to a P.O. box to even get any details about why my account was closed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

The following account listed on my credit report have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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 reporting, credit repair services, or other personal consumer reports

XXXX, is reporting inaccurate information -- I do not owe this debt to this collection agency -- the contract was cancelled/ended " NO CONTRACT '' and yet XXXX  is reporting I owe this debt to this company, how can a Collection Account/XXXX report a past due balance, and a balance owed ( violation ) I have disputed this account with XXXX many times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I Lastly disputed this ACCOUNT XX/XX/XXXX, XXXX  has FAILED to update the status, there last date of is status is XX/XX/XXXX '' ) ( Violation ) and this issue isn't resolved yet, XXXX  keeps responding it has been verified with no proof- of a signed contract bearing my signature that binds me to this debt, or other documentation of validation -- XXXX is verifying this debt through previous disputes, and electronically through XXXX   this is unacceptable and very unfair to me as a consumer, ( I requested in writing to have human interaction to verify this debt thoroughly ) this has been ongoing for 1 year going into 2 ... .. This is giving me a negative mark on my credit report and making it hard for me to obtain credit..DELETE THIS ENTIRE ACCOUNT IMMEDIATELY!!!
Product: Debt collection

A pursuant email was sent to the collector, in return they responded on XX/XX/ via email with a payoff statement. We then sent a validation letter requesting validation of debt and for all supporting documentations not limited to original contract / agreement all signed contract and for explanation of services and fees.
Product: Mortgage

Either XXXX or our XXXX made a mistake when creating the flood zone map for my area. 
For XXXX, our homes were not in a flood zone. 
In XXXX, XXXX came out with a map showing that now we were in a flood zone but it was a mistake. 
In XXXX of XXXX, XXXX came out with a letter saying that they were back dating our map revision for XX/XX/XXXX and my bank just took out money out of my escrow to pay for flood insurance from XX/XX/XXXX to XX/XX/XXXX. 
I called the bank, spoke to a manager, recorded the call and explained the situation and they told me that they couldnt help me.
Product: Mortgage

I want to file a complaint on Seterus regarding in saving my home. Just for Seterus allowed my home to be sold right from up under me. Here is the events that I took to save my home : On XXXX XXXX, XXXX I made every effort to comply : XXXX The process was done with the assistance of XXXX XXXX XXXX XXXX HUD approved XXXX XXXX XXXX. 

XXXX Was told by Seterus my name was not on account as a co-borrower. 
XXXX Was told to go to Probate & get fiduciary letter. When I did XXXX days later paying {$170.00} plus {$12.00} for printing. This had to be signed by my daughters. 

XXXX Paperwork was submitted along with XXXX form, Taxes again with signatures and bank statements. 

XXXX Follow-up with Seterus per any other documents needed they sent a new XXXX ( with check bot ) and they wanted a new XXXX award letter & retirement. 

XXXX Faxed over re-requested documents ( was told will make sure F/C date was noted ). 

XXXX Follow-up spoke to XXXX XXXX she assured all documents in was being escalated to push back F/C sale date. Asked that I call on XXXX for follow-up Stated the fil was in review received letter that all documents in and was being reviewed. 

XXXX Follow-up with Seterus file in review I received a letter stating all documents was in and in review. 

XXXX Received a letter saying that my property was sold on XXXX/XXXX/XXXX I made every effort, complied with all that was asked of me WHAT HAPPENED!!! Why now was my name an issue? I was allowed to repayment plan in XXXX - again way was my home sold and I did everything in my power to comply. For the past four years I have had to deal with the loss of my husband, my health and among other things I 'm trying so hard to keep what I worked so hard for so my children can have a place to come to. 
I am a XXXX year old woman with health problems I XXXX. I have been so stressed out and frustrated over this whole ordeal that I feel like there nothing else for me to do. I thought that you were supposed to help your customers not rob them from their home. I and my husband worked hard to purchase the house we would spend the rest of our lives in only for it to be snatched right from under me. I simply do n't understand that at all. What happened to nice America is it gone it is ashamed that I have had to go through this ordeal to approve or try to save my home. I feel at this point you were never was out to help me to save my home but just to sit me out doors in the streets. All I 'm asking if you could work with me on this matter of saving my home.