23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 : XXXX 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 ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX .... Balance : - ; XXXX  XXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX .... Balance : {$850.00} ; XXXXXXXX XXXX XXXXXXXX XXXX .... Balance : {$100.00} ; XXXXXXXX XXXX XXXX XXXX XXXX .... Balance : {$720.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$3000.00} ; FIRST XXXX XXXXXXXX Balance : {$5000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; PA XXXX XXXX XXXX XXXX XX/XX/XXXX ; CREDIT 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/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.
Product: Checking or savings account

My direct deposit from my employer did not get deposited in my Capital One Checking account due to a companywide technical issue. Capital one has not provided updates or etas on when deposits will hit account.
Product: Debt collection

On XX/XX/2021, I sent Penn Credit Corp a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies.
Product: Mortgage

Good Morning .I have issue with my previous mortgage company.There is issue with the Escrow account balance.The escrow balance on XX/XX/2019 is {$2800.00} but should be $ XXXX.The difference is $ XXXX.I would like to ask them what happen to {$1600.00}. 
I would like also ask them, why they accept mortgage down payment of {$3400.00} [ 1.9 % ] instead an quote of {$6500.00} [ 3.5 % ] required by FHA??

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues, such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. Experian 's in action violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of Identity Theft someone Open an account using my personal Information without my Authorization this is fraud
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were inaccurate because they were furnished without my written signature. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the i nformation. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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.

Under 15 U.S. Code1681b Permissible purposes of consumer reports Inever gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately I also understand that you are require d to notify me of your investigation results within 30 days and provide me with an updated copy of ALL DELETIONS on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$5400.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$6.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$500.00} XXXX XXXX XXXX  ), XXXX XXXX XXXX ( Account number XXXX XXXX opened XX/XX/XXXX, Balance {$970.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$510.00} XXXXXXXX XXXX  ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

I have my bank with Capital one. My deposit should have been today i dont receive no payment. Ive been calling the bank no XXXX answering. I have to pay my bills buy groceries nothing. XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2024 midday I made purchases and a cash withdrawal for rent at my local Umpqua Bank Branch XXXX in XXXX XXXX, Oregon, like I do at the end/beginning of every single month for all of 2024 so far. It was NOT an ATM transaction, it was done with a teller in the bank. 

Later at XXXXXXXX XXXX after getting off work, I went to buy groceries and my card declined. None of my payment apps with the card saved would work so I could not purchase necessary goods. My bank app did not show any changes or suspicious purchases, it stated funds were accessible when I attempted to make the later purchases. 

I tried to call customer service immediately, only to find an automated message saying the offices were closed and to call back tomorrow when they're open. The call tree options would not work, I tried to get in contact with a human using numerous different options and the messages would only repeat, it would not register me pressing 1 for an operator or 2 to activate card, for example, it would just repeat the message again. Eventually I was so frustrated with the options not responding so I pressed a bunch of numbers a lot and it decided to then connect me with a human being. This person said their name was XXXX or XXXX and she stated she could not help me and that I would have to wait until tomorrow. I reiterated that I needed to make necessary purchases tonight, food and medicine for my family, and asked if there was anyone she could connect me to, but she began rudely repeating the customer service hours and completely ignored any other questions and only repeated the customer service hours in a really unprofessional tone. 

This behavior seems completely inappropriate and should be illegal, there should be a way to contact someone regarding serious issues like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a personal loan with XXXX XXXX XXXX in XXXX of XXXX in the amount of XXXX for 3 years - 36 payments. This loan was XXXX paid on time, every month, with never a single late payment. 
The last payment was sent in XX/XX/XXXX in the amount of {$1200.00} for the remaining balance on the loan per their payoff schedule. 
Three months later I get a notification that my credit report has a derogatory mark from this company for {$100.00}. 
I have never received any notification, bill, or statement from them for this amount. 
Since I was notified of this charge I have tried to access my account online through multiple avenues but appear to be blocked from access to any of my data after the loan was paid off. It can not find my account information, it's as if the loan does not exist even though I was previously able to access it. 
I have emailed and called over a three week period asking for an explanation. Emails were never responded to. On the phone calls, I was told a manager would look into it and call me back, which has never happened. 
Now I have this derogatory mark on my credit report causing problems for me, with nobody at this company able to explain this charge or provide any information whatsoever.
Product: Debt collection

In response to my Complaint ID : XXXX filed by me on XX/XX/2023 against Sunrise Credit Services , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX said collection agency had made a representation to Consumer Financial Protection Bureau stating : " Any credit reporting Sunrise provided on behalf of XXXX  has been deleted '' [ Please see Attachment ]. This is not true. Sunrise failed to advise the XXXX major credit reporting agencies to delete the derogatory information / collection pertaining to XXXX account. This is evident from the fact that XXXX is still reporting said derogatory information in my credit report as a collection account [ Please see Attachment ].
Product: Money transfer, virtual currency, or money service

PayPal banned my account permanently. I comply and I don't violate any of their legal agreements and Acceptable Use Policy, my account was also verified but they shut down my account instantly. 
I only have one disputed transaction, and it was immediately resolved because I already refunded the sender in full. I don't understand why PayPal treats its users in this manner. They just banned my account without prior notice, no information we're asked first in a way that I can still lift the limitation by submitting documents they asked. Sadly, they never asked me to submit those and instead they immediately shut down my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent certified mail to all three bureau on XX/XX/2021. Only bureau to respond was Equifax and they stated the could find no record of me. I have personally pulled all three of my credit bureau so not sure how this could be. I have proof of certified mail.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXXXXXX XXXX XXXX  Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Product: Debt collection

Called in to speak to NMAC Nissan acceptance motor corporation after payment submitted didnt go thru. They stated they could not take payment over the phone so I paid on their app. I fixed the billing information and submitted a payment. Now it is showing past due over 30 days and reporting on my credit and my husbands. We revieved no email or notification the payment did not go thru the second time after correcting the billing info. Made a payment XX/XX/XXXX as soon as I found out this didnt go thru. No it is pending and when I called in they were very rude and even hung up on my husband. Im trying to get this resolved as I have had the money in the account and paid it. I do not feel this is fair to have a late charge and this hurt our credit when they did nothing on their end after our payments were sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX received fraudulent information using my credit to secure a modification/refinance loan that belongs to my ex-spouse. All correspondence and documents were sent to an address I never resided/lived at. I have tried to resolve this issue, unfortunately to my dismay, this mortgage loan continues to appear on my Experian and XXXX Credit Reports.
Product: Debt collection

This account is not accurate at all a lot of wrong information please referred to law 15 usc 1681 ( B ) ( E ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via certified mail delivered on XX/XX/21 to XXXX regarding a collection being reported on my credit report asking for validation of purported debt. I did not receive a response. 

I sent a letter via certified mail delivered on XX/XX/21 asking for Equifax to delete and/or investigate the collection being reported to my credit report ( acct starting with XXXX ). 

It has now been well over XXXX  days since I initiated contact with XXXX, and over XXXX since I contacted Equifax. I did not receive any information on the outcome of this dispute, and I do not believe that an investigation was done at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per complaint Complaint Number XXXX on file with CFPB for XXXX. XXXX and XXXX are jointly responsible. 

Please reference original complaint and response on file with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern XXXX XXXX has violated my rights : account number XXXX account number XXXX account number XXXX account number XXXX and account number XXXX Also XXXX XXXX XXXX XXXXXXXX account number XXXX I did not authorize anyone employed by these companies to create a account in my name and or furnish any of my personal information this is a violation of Fair credit reporting act section 1681b ( c ) and a serious breach of my privacy rights
Product: Debt collection

Dear XXXX Madam, According to the " Fair Debt Collection Act '' ( 15 USC 1692 et seq ) provide verification of the debt, as being true, correct, and Authentic, sworn by oath or affirmation with WET-INK SIGNATURE SIGNED under penalty of perjury, or provide a copy of a judgement, sworn by the WET-INK SIGNATURE SIGNED under penalty of perjury that the foregoing is true and accurate copy of the original record with the appropriate public and government offices against claimant with twenty-one ( 21 ) calendar days of the receipt of notice. 

XXXX XXXX ( Debt Collector ) did not provide the sworn by oath or affirmation with WET-INK SIGNATURE SIGNED under penalty of perjury, or provide a copy of a judgement, sworn by the WET-INK SIGNATURE SIGNED under penalty of perjury that the foregoing is true and accurate copy of the original record with the appropriate public and government offices against claimant with twenty-one ( 21 ) calendar days of the receipt of notice. But rather a letter to cease and desist, attachment 3.
Product: Money transfer, virtual currency, or money service

I tried to use the borrow option on my cashapp but before I can get through the application it says that something I entered didnt match. I emailed Cashapp support several times over the past few weeks trying to fix the issue and they keep giving me the same answer or steps to take to fix it. Nothing is working.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to experian several months ago, I asked to correct my last name, address. I have not received anything regarding this demand. I pulled my credit report today, Experian continues to report incorrect personal information.
Product: Checking or savings account

I deposited {$2000.00} ( 20 bills of {$100.00} each ) into the Chase Bank ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). However, an error occurred on the ATM screen, and the ATM did not recognize the money I deposited. When I checked my account, I found that the {$2000.00} was not deposited. 

I immediately called the Customer Service center using the phone number listed on the receipt. The customer service representative verified the Term ID and sequence number on the receipt and assured me that the investigation would be completed by XX/XX/XXXX, and the {$2000.00} would be deposited. 

However, I did not receive any contact until XX/XX/XXXX. On XX/XX/XXXX, I called the Customer Service center to inquire about the status of my claim. The representative informed me that the investigation was still pending and would take more than 10 business days to complete. 

As of now, I have not received any credit or refund from Chase. I hope my issue can be resolved promptly.
Product: Credit card or prepaid card

I have tried for 3 days this past month to pay my credit card via -- online account -- Smartphone app -- telephone -- HSBC chat help via phone app and online account I am attaching the only error screen that is available to me, when I try to make the payment online. The problem is not with any of my devices, the credit card iself, or the payment bank account, as all these have been successfully used elsewhere during this time. 

I am currently on the phone for over 2 hrs 15 minutes, waiting for help. 

My due date is approaching, and this is my last chance- I do not have hours to spend on this. There is a problem with the HSBC system, where the methods I have used for the past year or so are no longer working. The only help I have received is form a chat representative who told me that the " system was being updated '', and from a phone representative, after an hour or so, saying that the " manager hours and over ''. 

As soon as I can pay off this minor amount, I plan to cancel the credit card.But I would like some record of my good faith payment tries, if I am unable to pay.
Product: Mortgage

On XX/XX/XXXX I had a notice of default filed against my property by this company XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Ca XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. They have several names, addresses and phone numbers but all tied together. Some of their contact numbers are XXXX, XXXX and XXXX. So they filed this NOD and demanded {$5000.00} down. They then said they could do a loan modification agreement or continue with the foreclosure. Now keep in mind this came out of nowhere when I was having severe financial challenges and my brother was dying. But they didn't care, they were just money hungry and they pretended as if they own my house, wow I've been here since XXXX. Their approach is bad, bold, bullying and threatening. Because they are a so called foreclosure company, I guess that's their brazen way of doing business. So we did a loan mod I paid the {$5000.00} and balance was agreed to {$45000.00} for 8 years and $ XXXX  monthly. But the owner comes to me a few years later and says the full balance is due. I had started paying but ran into some financial difficulties with my brother passing. I end up filing a XXXX XXXX and was approved for a payment plan by the trustee. I got behind with this FCI company and they filed another NOD XX/XX/XXXX while I was in an open XXXX, was that legal to do so? They hounded and threatened foreclosure if I didn't pay them {$12000.00}. I started paying again and paid {$3200.00} to catch up and supposedly modify because the loan came due. Just all over the place with time of this loan which was for 8 years. My real issue is where {$31000.00} when to? I'm trying to satisfy this nightmare lien this month and they said the payoff is still {$35000.00}... how is that? I would like to know if they can legally charge me {$15000.00} for interest before they acquired the loan, {$1500.00} for accured interest, {$1300.00} for late charges, {$4400.00} for charges prin pmt ( what the  XXXX  is this fee ). I was told that I'm supposed to pay for FCI attorney fees. You see how this company is no mercy, no soul and just ruthless about money for their advantage. The XXXX with the real owner of the property, which is XXXX XXXX XXXX. I want to know if they followed all the Califonia laws in charges, collection and applying my money to the {$45000.00} agreement.