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

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent accounts. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when reporting information to credit bureaus. When you receive a request like this with an Identity Theft Report, you must stop reporting fraudulent debts to credit bureaus. 
The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please send me a letter explaining your findings and actions.
Product: Credit reporting or other personal consumer reports

Since the beginning of XXXX, I have submitted countless disputes regarding fraudulent charges and provide information on the thief, who stole my identity along with government documentation and was dismissed by the company. I was told I would have to do my own investigation and that they would not be looking into the case because they assume their consumers liable at all costs. I finally filed a dispute with the credit bureaus in XX/XX/XXXX as a result of the ineffectiveness from being ignored by XXXX XXXX XXXX  where the account status that has been closed then added XXXX late payments to my credit report. 
My Account information was stolen and used to pay for various miscellaneous items from car parts, tires to food and rent. I was able to find the person responsible and regardless of my reports of them I have been silenced and retaliated against by XXXX XXXX. A banker even told me they do not accept fraudulent charges or send their accounts to collections because they are trained to collect their investors money back by destroying consumers credit. This is a violation of my rights and unethical.
Product: Mortgage

Concerning the " closing '' of a Loan Modification ; client signed a Loan Modification contract in XX/XX/XXXX. Client felt that the transaction was over. In XX/XX/XXXX the mortgage servicer " Round Point '' added a balloon payment at the maturity of the loan. Client was unaware of a balloon when the " Loan Modification '' was signed in XX/XX/XXXX.
Product: Vehicle loan or lease

Going over my credit in preparation to buy a house I noticed Hyundai Motor Finance has not reported any credit activity on my credit report since XXXX of 2022. I read that it's law that credit needs to be reported timely and accurately within 45 days max. Its been almost 6 months and they have not updated my credit report to reflect accurate payments made or my gross balance that is left on the card. They need to update my credit report immediately.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXX XXXX : {$500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 Republic Finance contacted my mother at work in Vermont, and told her I had a debt with their company. The representative gave her the exact amount of my loan and collected a payment for the loan as well. He told her he could help me lower my notes to get on track with my loan. I never gave the company permission to contact anyone with the details for this loan.She is also not listed as debtor on my loan. I am aware that this is not legal practice. I also asked the company to work with me on lowering the loan payments so I could pay them before the loan was defaulted to the current extent. I was told that I had to pay a full payment before they were willing to do so. I could not make said payment. My mother called me to let me know she was told about the loan, after she got off from work at XXXX central time, and that she paid the amount requested. They collected a payment via phone at XXXX XXXX, theres documentation to confirm the payment and that this incident took place. The money was paid from my mothers bank account. They were not authorized to collect any money from anyone other than myself. According to federal law they only have the right to ask for ways to contact me to collect said debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries appearing on my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX XXXX Account Number : XXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX o Account Number : XXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2300.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$690.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} 6. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 7. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 8. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 9. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$950.00} Unauthorized Inquiries to Be Blocked and Deleted 1. XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) 2. XXXX XXXX ( Date : XX/XX/XXXX ) 3. XXXX XXXX ( Date : XX/XX/XXXX )
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 XXXX XXXX XXXXXXXX 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 ; XXXX, XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXXS XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX FL XXXX XXXX ) XXXX XXXX XXXX {$440.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a dispute this morning for incorrect balance information on a loan that I have. The dispute was resolved less than 6 hours later. The incorrect information wasnt not corrected and no notes from the lender or investigator were left for my record. I contacted the lender and they stated that they have never seen a dispute resolved in this time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have excellent credit and work hard to maintain my credit rating. Today, XX/XX/2021, I applied for a loan to purchase a house. I was told that a credit check will lower my credit rating with all three credit reporting agencies. I think its ridiculous that the credit reporting agencies prejudge people and lower their scores for an inquiry. An inquiry should have no impact on someones credit report. How is that fair or legal?
Product: Mortgage

This is an additional set of problems with the same servicer, Rightpath, tgat i made the previous complaint about. The default that was created by torturing the facts in the escrow account had also resulted in information im on the credit reports that is causing me serious damage and preventing me from curing a bridge loan I was forced to takeout for legal expenses. 

Another very frustrating isd e with the same company is that they refuse to answer my letters. Thay have stated quite clearly that they will only send mail to an attorney who I do not have contact with. She was retained for one task, and that was to send a qualified written request to Rightpath, because they ignored the one I sent as a civilian and not an attorney. They claim that only this attorney can request that the my communicate with me but i have no authority to do this, even though I am the one whos house they are threatening to take as a sort of blood sport : I am not aware of a law that protects their right to deny communication with me at this critical time when so much is at stake and the clock is running out. I need these two obstacles to be removed in order to recover from this bazar adventure and get back to a safe place without worry.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the last of account below has violated my federally protected consumer right to privacy and confidentiality under XXXX u.s.c. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instruction.. 15 u.s.c 1681 C. ( A ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.. 15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer on Monday, XX/XX/XXXX in the afternoon and the bank said that it would be processed by XXXX XXXX ET the next day on their website. As of XX/XX/XXXX at XXXX XXXX  ET, the wire still has not been processed. I tried to call Ally to see what was going on and they were unable to provide any information on the status or when it would go through. I tried to ask multiple times, but they refused to provide any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX EQUIFAX XXXX : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements.For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.
Product: Credit reporting or other personal consumer reports

I want to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized account and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. So please delete this account : DPT EDXXXX XXXX
Product: Checking or savings account

a set-off was placed on my checking account for {$410.00} on XX/XX/2024 I only have XXXX checking account with Wells Fargo total balance with all accounts was XXXX they included my XXXX account which was opened when she was XXXX old and which should of been changed when she turned XXXX old she is now XXXX old I have no ownership or authorization to use her accounts regardless it should not of been included, and even though it was wrongly included the total balance between XXXX accounts was far less than XXXX
Product: Credit reporting or other personal consumer reports

I was checking my credit reports and realized that it had fraudulent accounts that I knew nothing about.
Product: Credit card or prepaid card

CFPB XXXX : XXXX Customer Service XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : Chase Credit Cards Customer Service XXXX XXXX XXXX XXXX, DE XXXX Dear CFPB : I would like to report to you what kind of customer service we have been receiving from Chase on our XXXX credit card : - XX/XX/22 attempted a purchase which prompted fraud concern on the part of Chase - We replied to the text from Chase indicating that the charge was legitimate - Subsequent charges from other merchants were declined - On XX/XX/22 I called Chase customer service and was told that Chase had locked our account without telling us in order to conduct an identity review. I was assured that Chase would be in touch with us within 2 business days. 
- On XX/XX/22 I called Chase customer service and was then assured that I would be getting a call within " 15 minutes. '' I did not get a call back. 
- The card is still locked and we have not heard anything from Chase. The XXXX/Chase card is unusable. 

I must conclude that these are the actions of a company that does not care about its good customers. If Chase intends to close our account they could simply tell us, and we'll move on. I signed up for this credit card in order to earn XXXX XXXX miles, but I understand that there are many other airlines to choose from. 

I am looking forward to your reply. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I received a check in the mail on XX/XX/2023 from social security and I went to deposit it into XXXX XXXX  but was told that there is a bank that reported me as fraudulent. I received my credit report from XXXX and it says there is no fraudulent activity on my account. I then ordered another credit report from ChexSystems and I see that one bank has reported me but it doesnt show who or what the name of the bank is.
Product: Credit card or prepaid card

On XX/XX/2021 I attempted to make a monthly payment on my Chase credit card by phone. The Chase representative informer me the payment went thru and the {$74.00} would be applied to my account that day. I was advised at a later date the routing # of my bank was incorrect and the payment was reversed thus resulting in a late charge. I subsequently paid the {$29.00} late charge and {$1.00} interest charge along with the payment. I would like to have the late charge refunded to my credit card since Chase informed me the payment I had made by phone on was made with no problem. JP Morgan Chase verified the check was # 's were accurate. 

Thank You
Product: Mortgage

Loancare VA XXXX XXXX was serving my mortgage and o/a XXXX XXXX XXXX they sent me a letter stating my loan was being sold to XXXX. I paid my XXXX XXXX Mortgage payment {$2600.00} on XXXX XXXX XXXX. On XXXX XXXX I turned my autodraft off as well. On XXXX XXXX XXXX Loancare withdrew another XXXX XXXX payment of {$2600.00} from my checking account. My main issue is this second XXXX XXXX payment is not reflected in any Loancare statement or loan balance. Ihave logged in everyday to my account and there is no update. I have no written record except the autodraft showing it was taken from my checking account. I sent emails XXXX and XXXX XXXX and received " canned '' responses. I also called on XXXX XXXX and spoke with Loancare employee # XXXX. She stated that while she would forward complaint to her management there was basically nothing she could do. In her words Loancare is done serving my account. At the least Loancare should send me an email stating what they did with the second XXXX XXXX payment. I prefer a refund or at the least who in XXXX wherever that is has my {$2600.00}. To date I have no more info than it was being sold to XXXX. Loancare customer service is extremely poor, with little regard for any customer follow-up. I advise consumers to avoid this company, make sure to notify your loan officers, real estate agents, etc to seek out more reputable firms with better customer service and ratings
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent you the letter form the court house did not find any filling or any information shared with ypour organization and then all these inquirires which are not mine never requested any services from those creditors on those dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan about a year ago to pay for my rent, cause my check was a little short. Couple days after I got into a car accident, which I had to put all my money towards. I had to decide what bills were more important. I actually kind of forgot about the debt while going through therapy, until I started getting harassing phone calls from so many different numbers, at all different types of hours. Sometimes it 's  XXXX    XXXX   XXXX   XXXX    and my fone will still ring. Unfortunately a year later I 'm still unable to pay them back because I 'm still financially recovering from the accident, plus they keep adding these crazy interest rates. This morning I got a phone call stating that they 're going to file a civil suit against me if I do n't pay. I 'm the one that owes them, but this HARASSMENT HAS TO STOP, I ca n't take it anymore.