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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$10000.00} XXXX XXXX Account number : XXXX Balance : {$8400.00}
Product: Mortgage

I have a massive issue with my new servicer SPECIALIZED LOAN SERVICING, LLC They are a big scam who are trying to foreclosure on my home illegally with fraudulent practices and intent. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/XXXX. 
I recently had my loan transferred over from XXXX XXXX who Ive been working with to achieve a loan modification. On XX/XX/XXXX XXXX XXXX representative advised us that our loan modification packet was deemed completed and it was sent to underwriters for review and could take up to 30-days for the review. Next thing I know I receive a letter from SPECIALIZED LOAN SERVICING, LLC saying that they are the new loan servicer while I was still in the loan modification review and with no response from XXXX XXXX regarding the review. SPECIALIZED LOAN SERVICING, LLC said that they sent out their welcome letter on XX/XX/XXXX. Once I received the welcome letter I quickly put together a request for mortgage assistance forms and all necessary documentation to have a complete packet and mailed it out on XX/XX/XXXX. SPECIALIZED LOAN SERVICING, LLC said they have received all my documents on XX/XX/XXXX. A representative at SPECIALIZED LOAN SERVICING, LLC advised us that they will not review the request for mortgage assistance due to the sale date being too close and that they would of needed 45-days prior to the sale date to be reviewed. 45-DAYS FROM XX/XX/XXXX IS XX/XX/XXXX. I was not even aware that my loan was transferred 45-days from the sale let alone given any time what so ever to have a chance to be reviewed for a loan modification. SPECIALIZED LOAN SERVICING, LLC does not care about me or my willingness to work with them and achieve a loan modification, pay my mortgage and live a quiet life for once in a very long time. SPECIALIZED LOAN SERVICING, LLC are not willing to work with us at all, they are scamming me of my chance for a loan modification. All SPECIALIZED LOAN SERVICING, LLC want to do is sell my home. I feel like XXXX XXXX and SPECIALIZED LOAN SERVICING, LLC strategically transferred the loan so that the time frame would put us in a 45-day before sale bracket and not allow us even a shot at a review. This was done to just sell my home away. 
On XX/XX/XXXX I was in review with XXXX XXXX. 
On XX/XX/XXXX I received a welcome letter from SPECIALIZED LOAN SERVICING, LLC. 
On XX/XX/XXXX I mailed out my loan modification request for mortgage assistance packet. 
On XX/XX/XXXX SPECIALIZED LOAN SERVICING, LLC received my loan modification request for mortgage assistance packet. 
On XX/XX/XXXX is my foreclosure sale date. 

If SPECIALIZED LOAN SERVICING, LLC continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Legal Department, I have submitted dispute on the following fraudulent accounts, and they were returned back to my credit history after being removed per lenders request. The accounts that are being disputed are fraudulent and as of my knowledge according to the facts they shouldnt be reported back. 

The collection accounts listed below are items currently within my credit file, and they are not related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts : 1. Account name and number : XXXX XXXX XXXX Date it was opened : XX/XX/XXXX 1. Account name and number : XXXX XXXX Date it was opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a late payments on an account that I was never late for. XXXXonsumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX. The late payment shows for XX/XX/2023 which i know that i paid on time because my account was set up for auto pay. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.
Product: Credit card or prepaid card

Hello my name is XXXX XXXX and I hope all is well with whomever is reading this.This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name Self Lender/ Lead Bank Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft 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 1 proof of identity of consumer 2 a copy of 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 have attached all the relevant documents pursuant the above section of the law I demand  all the above fraudulent accounts DELETED immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect XXXX XXXX XXXX Inquiry posted to my account on XX/XX/2017. It should be removed from my report.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

Hello, I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With XXXX  : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.
Product: Checking or savings account

On or about XX/XX/year> I opened a Navy Federal account. I was approved to open an account however I received a letter a few weeks later saying that I will not receive a debit card or have online access as well as any kind of access to my account. I still do not have access to my account. They will not let me take money out or put money in manually. I had my old job direct deposit into my account and thats the only reason I have money in my account.
Product: Payday loan, title loan, or personal loan

I paid this line of credit off early and there are no fees for paying early. I was charged {$80.00} twice when I paid {$6000.00} on XX/XX/XXXX. 
Interest charges throughout the loan were not calculated correctly. I paid because I was afraid of reporting me late. I have over paid by at least {$500.00}. My last payment was {$180.00} and paid on line and was final payment. 

I am done with banking violations! 
I spoke with Mr. XXXX from the CFPB the last complaint I made. Why is CFPB in place of you allow TD to keep committing banking violations.
Product: Checking or savings account

An account was opened up using my name and email address. I was alerted of this in XXXX and immediately reached out. It is nearly impossible to get ahold of anyone at Square via phone, and I was forced to resort to sending a message via their XXXX page. I continuously receive emails from Square savings with a link to my monthly statement. I WANT THIS TO STOP and I want firm confirmation that all of the accounts associated with any of my information are closed because they are all fraudulent. The email being used is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a Mortsge. My experian Fico score says XXXX on my report. The bank pulled my report and experian is XXXX. How do I have 2 differsnt scores?? This is going to cost me more to get the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I sent Experian a dispute letter for method of verification under FCRA section XXXX to provide me information on how the inaccurate account was verified. Today, I received an electronic response failing to provide me with the exact methods they used ie : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

The account is with XXXX XXXX XXXX for {$1100.00}. Experian has failed to comply with FCRA, Section XXXX ( a ) ( XXXX ) and ( XXXX ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Federal Trade Commission FTC XXXX XXXX XXXX XXXX Washington DC XXXX Subject Complaint Against Equifax Information Services Dear FTC I am writing to formally file a complaint against Equifax Information Services for multiple violations of the Fair Credit Reporting Act and for infringing upon my privacy rights My specific concern involves inaccurate information that Equifax has furnished regarding my account with XXXX XXXX XXXX XXXX which ends in XXXX Despite disputing this inaccurate account for over XXXX years Equifax continues to assert that this account is verified which is untrue I have confirmed with XXXX XXXX XXXX  that my information has been opted out of sharing with non affiliated third party companies This means that Equifax should not have any basis to verify this account as accurate For your reference you may contact XXXX XXXX XXXX  at XXXX to confirm this information In addition I am including a transcript of my conversation with XXXX XXXX Bank regarding this matter, as well as all correspondence from Equifax that demonstrates their stall tactics and claims of being unable to locate my credit file The violations I am reporting include but are not limited to Furnishing inaccurate information Failing to conduct a reasonable investigation into my disputes Infringing on my privacy rights under the Fair Credit Reporting Act Given the severity of these violations I request that this inaccurate account be removed from my credit report immediately EQUIFAX COMMITTED IDENTITY THEFT Identity theft is a crime that occurs when someone uses another person s personal information without their permission This information can include names addresses, credit card numbers, Social Security numbers and bank account numbers Thank you,
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  HUNTER WARFIELD  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian have not provided proof of a thorough investigation which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the recent CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure that Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked inaccurate DEPT OF XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was a victim of a scam that cleared out XXXX $ from my bank account with Truist Bank. My personal computer was hacked and I was given a number to call because I was told my bank accounts were at risk of being hacked. I was told I was talking to a Truist bank member and they gave me directions to protect my money- a wire transfer that needed to be done at the branch. When I went to my local branch and told the banker - XXXX XXXX that I was told to wire money by a bank member she did not ask me any questions. Later that evening I was told I was victim to a scam when I told my parents what happened. The next morning - when the bank opened I was there waiting to make the recall- XXXX XXXX was the banker again. I asked why she didn't ask any security questions or questions about possible fraud or scam she laughed and said even though she was trained to do that she does not. She made the recall- in the paper work I have she posted the recall for XX/XX/XXXX. I called later to speak with her about why this was being made so late and was told she was no longer with the bank- however she was the one supposed to be receiving email notifications about my recall and let me know what was going on. I don't think the bank ever intended to contact me about this change- I had to call repeatedly until I finally spoke with XXXX and she confirmed the late recall date and I asked why the wait and she could not give me an answer. I noticed a wire transfer fee on my statement- I called and asked what this was for - and the person I talked to said all of that should have been explained to me along with being asked questions when I made the wire- nothing was explained to me and no questions were asked. I have never made a wire transfer before. Over the next several weeks and leading to months I have gotten the run around from every person I have talked to - often they can't tell me anything for find my case. Many banks have holds on first time wires out of accounts or holds on wires with red flags such an account that is only used for deposits. Wire recalls made within 24 hours have a high success rate of being returned but my wire was not recalled. I have many concerns about the security of Truist and have read many stories about the frauds and scams being run through their bank because of the lack of security. So far I still have not heard back from Truist, I keep getting told they will look into things for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ve been working with the creditor and credit bureau to deleted promised information. Non of the collections on my report where mines and I was forced to pay or the said my credit would remain ruined. They said they would permanently delete the accounts from my credit. This is frustrating. They are dishonest companies. I want all these accounts deleted from my credit report. 5 accounts XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX  XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I feel as if my credit report was a part of a XX/XX/2023 XXXX XXXX as reported by the national media. I wrote each credit agency-Transunion, XXXX, and XXXX to look into the matter at hand but no response. The entire credit report information was exposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY FINANCIAL is reporting an ILLEGAL REPOSSESSION on all XXXX of my credit bureaus. Their repo guy broke into my CLOSED LOCKED GARAGE, which is ILLEGAL. If they can not provide proof WITH PHOTOS that they LEGALLY repossessed it, by law they must remove the account entirely from ALL 3 credit bureaus. Their verifying that is was repossessed is not the issue at hand. Please force them to actually respond with proof. Since I know they can not, it must be REMOVED IMMEDIATELY.
Product: Prepaid card

I attempted to pay for my daughters orthodontist visit when I was told the cash app card declined. I checked to confirm I didnt have my card locked and that the funds were there through the cash app mobile application. Everything looked fine but I received an email stating the transaction was declined due to suspicious activity. I called customer services to inquire about declined transaction. Initially I suspected it was just a precaution due to it being the first time I used the card at my daughters orthodontist office and it would be resolved once I verified I was making the transaction. I spoke with a gentleman who informed me that I am no longer allowed to use the cash app card and that I will only be able to transfer my funds to another personal account or to send money to a friend or family member but no deposits and no purchases. Naturally, I asked why? What happened on the account that caused me not be able to utilize my card anymore? Ive had the account for years and never had any issues, nor was I notified that I violated any terms of my account or that I would no longer be allowed to use it.. I was told unfortunately theres nothing we can do about the transaction or resolving the ability to use the account. I said thats fine but I want to know why and what happened? Still no explanation so I asked to speak to someone higher up and after three attempts of the gentleman trying to transfer me to a manager he tells me none of the managers are available and that the matter would be documented as a complaint and that an email manager would be reaching out via email. We ended the call and I received a email from a manager from cash app by the name of XXXX. I explained the situation and she told me word for word the same thing the gentleman on the phone said. When I asked the same questions as to why I cant use the account and what exactly happened? The question was completely avoided and I was told no further information could be provided as there was nothing on the account to explain why and that the complaint would be closed as resolved. I responded confirming that my complaint was not resolved and I did not receive an explanation as to why I can no longer use my account properly.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed a dispute with Transunion for a collections account that appeared on my report for " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My claim was denied and confirm the creditor stated this is a valid debt. This is not a valid debt, I have never heard of either of these companies, nor have I ever owned an apartment or lived in one. 
My data was breached on a website called XXXX-who are currently under a lawsuit and I believe this is how this ended up on my report. My Transunion account has now been frozen to prevent further fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX i have been violated of my consumer rights Transunion, XXXX, and XXXX are reporting a ( Bankruptcy XXXX XXXX  ) on my credit report that need to be deleted and removed they are breaking the consumer law pursuant 15 U.S, CODE 1681b- Permissible purpose of consumer report i never gave them permission to report a bankruptcy and i reached out to the Bankruptcy court and they stated in the attached letter that they are not a reporting agency company that furnisher nor verify information to the XXXX reporting agency XXXX, transunion and XXXX also pursuant to 15 U.S. Code 1681c-2 block of information from credit report i have my attached FTC paper and im giving a statement that the information is not relating to me the credit reporting agency can't verify this is my public record nor did i give them written consent. i will like for the CFPB to resolve this problem before i take legal action with the civil court this public record is hurting my credit report and stopping me from obtaining good credit