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

To Whom It XXXX Concern : Subject : Request for Blocking of Fraudulent Information Pursuant to 15 U.S.C. 1681c-2 and 1681 ( b ) I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC Report XXXX : XXXX ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four ( 4 ) business days upon receipt of the identity theft report. The following information on my credit report is the result of identity theft and should be blocked immediately : This letter is to notify you that I am a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached for your reference. There are fraudulent accounts on my report that do not belong to me.

All required documentation has been included in this packet and has also been sent via fax and Certified Mail to your agency. In addition, I demand the immediate deletion of the following fraudulent accounts from my credit report : Please remove the following fraudulent accounts from my credit report : ACCOUNTS : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please ensure that these accounts are removed from my credit report without delay. I expect confirmation of the completion of this request in compliance with 15 U.S.C. 1681c-2. 

Thank you for your prompt attention to this matter Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a bunch of inquiries that I did not make on my credit report on XX/XX/XXXX. I called and had them removed. I noticed a lot of other inaccuracies throughout all three credit bureaus. The following accounts do not belong to me. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - ( Account number unknown ) On XX/XX/XXXX, I received an email for a denial for a personal loan with XXXX XXXX that I did not apply for and the denial reason was that because I submitted an application within the last 365 days. I am filing a complaint that I believe that I may have been hacked for my information and I am desperately working with the credit bureaus to remove items due to identity theft
Product: Checking or savings account

I have had this problem with BBVA Compass on more than one occasion. My most recent experience is with a transaction on XX/XX/18 for {$410.00}. It was deducted from my available balance on the XXXX with a positive balance. It was as the bank says a hard hit on the XXXX leaving an available balance, and I was still charged on overdraft fee of {$38.00} which in turn caused additional items to hit and be charged fee 's as well. The banks provides an app which they suggest you use in order to keep track of your balance. What they neglect to tell you is even though on their app it shows you have an available balance which every transaction is immediately deducted from, the actual charge is not really deducted from your account until it paid. So they give you a tool to make sure you know how much money you have and then allow you to spend that money. What they don't tell you is it's NOT they way they keep track of your available balance, which in turn allows them to access fee 's for using the tools they provide.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I did not authorize these accounts. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

This creditor Toyota Financial services account number for 2018 Toyota XXXX account number # XXXX and creditors ( XXXX, XXXX, XXXX ) has violated my rights per frca 15 u s. Code {$6800.00} Obligation with respect to disclosure of personal information.

15 u.s.c. 1681 a ( 2 ) ( I ) 15 u s. Code $ 166b timing of payment
Product: Mortgage

Our mortgage was transferred to Freedom Mortgage a few years ago, Last year ( XXXX ) we were given a very large escrow increase which we found odd. Our payment went up {$300.00} a month. I called several times through out the year and was always lead to dead ends and hung up calls. At the beginning of XXXX our loan was transferred to XXXX and immediately our escrow/loan amount was corrected to the previous amount we had been paying on prior to Freedoms increase. After researching our audit I found that Freedom had over charged us {$3600.00} in XXXX. It was not applied to our loan balance and we were got refunded the money and it was not transferred to XXXX. Now that it's been transferred the phone system hangs up on me as they can not locate my loan. I'm stuck trying to figure out how to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account was a charge off/collections it yet continues to display multiple inaccurates listed on all three credit XXXX XXXX XXXX XXXX XXXX inaccurate, closed account reporting open, incorrect opening date, date of last payment, or date of first delinquency, incorrect account type after reaching out to credit reporting agencies, and reaching out to the creditor itself to get a validation of debt, which two seems to be displayed as an accurate
Product: Debt collection

i made the payment almost 2 months the company said sent information to equifax, i am trying to call to equifax but impossible login with my account i tried a lot times doesnt have solution, i did aplication to credit card and a loan to car but impossible equifax and the company terrible
Product: Bank account or service

I have a few clients that deposit monies into my checkings and they frequent your warren office on gratiot and EVERYTIME a deposit is made the clerk gives my balance to the people I do not appreciate it and am aware it 's against your regulations because you make me show my own identification before you give me my own balance. Also discussed a deposit and where it came from I am the only one on the account so this information should n't be released from any clerk to anyone I am livid and would like this to be fixed ASAP IT HAPPENED TODAY and numerous other occasions
Product: Credit reporting or other personal consumer reports

The name of the company is called XXXX  and also Capital One and XXXXXXXX XXXX XXXX  somebody had to use my name and credit and information fraudley without my permission and it put negative reflects on my credit
Product: Mortgage

I overpaid my mortgage bill, should go towards principle, and that amount is not being credited towards my principle balance. Therefore the lender gets to charge interest on the outstanding principle, without regard to the principle-payment I made. They are placing that over-payment in 'Suspense ' account. They said they can keep those funds in 'Suspense ' for up to 15 days, and charge interest for those 15 days.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 180250614 ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX / ACCOUNT NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

CFPB Writeup : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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: Mortgage

on XX/XX/2023 I sent a sertified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Caliber Home Loans, XXXX, asking to set-off a late fee on my properly sent morgage payments, in the same latter I asked not to collect money on erscrow account for insurance and taxes since current ammount paid home equity exeeds 25 % and Caliber Home loans Co is constantly late on my tax payment. 
Up today we have no response from Caliber Home loans and taxes still pass due
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX XXXX  XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681section 602A. States i have the rights to privacy.

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

I have been disputing this creditor since XXXX XXXXExperian will not update my account with the creditor XXXX XXXX  XXXX When Experian does an investigation, the results are always returned in 3-5 days stating accurate information. The account shows paid ; closed ; charge off ( 12 charge offs ) for the same 6 accounts. I submitted proof from the creditor several times showing that the accounts are current and Experian still won't update my report accurately. Experian always update accounts 60 days after a payment has been confirmed by the creditor. My account with XXXX XXXX was paid on time for XXXX and XX/XX/2020, but still not updated. 
I have disputed and contacted both Experian and XXXX  about 2 creditors reporting incorrect information on my credit report. I have sent in proof that one of the creditors was paid in full and XXXX  refused to update the information. XXXX   stated that's the result of their investigation was accurate from the creditor, but the creditor is no longer in business. The creditor is XXXXXXXX XXXX XXXX balance $ 15,000+. The collection agency for XXXX XXXX XXXX is XXXX XXXX and XXXX XXXX no longer is responding to any calls nor a current lawsuit for over payment of this account. Payment information was submitted to the collection firm and they still won't update my report. Experian will not update my account with the creditor XXXX XXXX. I've been disputing this account since XX/XX/2020. The account shows paid ; closed ; charge off ( 12 charge offs ) for the same 6 accounts. I submitted proof from the creditor several times showing that the accounts are current and Experian still won't update my report accurately. Experian always update accounts 60 days after a payment has been confirmed by the creditor. My account with XXXX XXXX was paid on time for XXXX and XX/XX/2020, but still not updated.
Product: Credit reporting or other personal consumer reports

I am trying to apply for a mortgage loan and I can not due to remarks or disputes on my credit report. I called and tried to talk to a live person at Experian, but the automated tells me to go online and hangs up. I go online and the only options are to create a dispute or view XXXX. If I try to view dispute, there are no active disputes. However, there are notations or remarks that are on certain accounts and I need them removed. I have tried the AI bot online, and the help online and tried to talk to a live person with several phone numbers. I can not get a live agent and nothing on their website allows you to remove or delete disputes or have the flags cleared. Several comments or review on XXXX state others have had the same issue with Experian. I was able to take care of my issue with XXXX and XXXX, but I can not get any assistance through Experian.
Product: Credit card

On my credit card account ending in XXXX, I went to the chase app to pay my balance in full on XX/XX/XXXX in order to avoid additional finance charges. The app stopped me and sent a pop up telling me I dont have to pay the balance that I could pay less ( XXXX ) for my interest saving option. I understood this as I can pay that balance and not accrue new interest. On XX/XX/XXXX, I got charged interest of {$15.00}. I called chase and the rep explained to me that the interest was from my previous statement. The app did not call this out when it advised I could pay less. This was deceptive in nature as if I had understood I would still owe future interest, I would have paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 sent a dispute letter to Equifax and I have yet to hear from them saying if they even received the letter. It will be 30 days on Tuesday. According to the fair credit reporting act a bureau has 30 days to investigate a dispute letter. I demand that this company does their job!
Product: Mortgage

I contacted Bank of America about dropping the PMI insurance from my mortgage since our house has appreciated and we now owe less than 80 % of the home value based on market price. I was told they have a process to reevaluate the home based on the market price and comps within the area. Today, I received a letter stating they can't drop PMI within the first 2 years ( which they did not state before ). They said the only example of dropping the PMI within the first 2 years is if I make a lump sum payment to reduce the loan value to less than 80 % of the original price
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX - XXXX, XXXX XXXX - XXXX, XXXX  - XXXX, XXXX XXXX  XXXX - XXXX, XXXX XXXX  - XXXX, XXXX  - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Good morning I'm presenting a complaint of the following companies. 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 XXXXXXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to 15 USC-1681 ( E ) ( B ). 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 of information, other than records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I have been banking with SunTrust for over 30 years. My now XXXX husband and I opened an account for my son when he was a minor, with my husband and my name also on the account. My son is now XXXX years old and a college student at XXXX. My son 's student account was hacked and someone obtained his personal data. They used that data to make XXXX mobile deposits into my son 's account, then called his cell phone and told him they mistakenly deposited money into my son 's account and threatened to report him to the police if he did not wire the money to them immediately. My son panicked and went to the nearest SunTrust bank in XXXX, VA and withdrew {$3500.00}, and then went to an ATM to withdraw another {$1500.00}. He then wired the money to this person through XXXX XXXX. The mobile deposits were bogus and later were returned, leaving a negative {$5000.00} balance on my son 's SunTrust bank account. If SunTrust had followed basic security procedures, this fraud could have been prevented. If SunTrust had looked at the endorsements on the back of the bogus deposits, they would have seen that the endorsements did not match my son 's signature. Also, SunTrust should have never allowed my son to withdraw money from funds that had not cleared the bank yet. Since my name was still on my son 's account, SunTrust has demanded that I pay them the {$5000.00} back and have already taken {$1300.00} of that amount out of a Savings Account I had with them.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

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

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXXXXXX Balance Owed : {$900.00} ; XXXX XXXX Balance Owed : {$980.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX Balance Owed : {$6700.00} ; ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I am an elderly citizen, I been suffer fraud and I been scam of of unscrupulous people, taking advantage of my lack of knowledge and vonavility of internet technology. 
This situation cost me a lot a financial and emotional in poor shape. 
I been banking with my current bank for more than 27 years and they Knew all the rutine and movment of my funds, and they did not protect me. 
I follow report with the FBI and the Police, unfortunate m Bank the one institution supposed to help me they look other way. 
This situation is costing me my mental heath, so I have keep seen my therapist, I lost all my savings, Please I am asking you help, in this matter. 
Attached is the file Thank you so much