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

XX/XX/2022 To : Equifax, XXXX and XXXX, Notice to all, I am that I am, the consumer in fact, natural person, original creditor, XXXX, XXXX  XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, consumer, and I have been appointed and accepted being executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it : whereas, I of age, majority, give this herein notice to all, I make a solemn oath to the one and only most high of the creation only, whoever that may be, and I depose the following facts, so be it, now present : In accordance with the Fair Credit Reporting Act the following accounts have violated my federally protected consumer privacy and confidentiality laws under 15 USC 1681. 
Accounts : XXXX XXXXXXXX XXXX ACCT XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX AZ XXXX ID NUMB # XXXX, 15 USC 1681 ( a ) ( 4 ) states I have the right to privacy. 

15 USC 1681 ( b ) states that reasonable procedures to be fair and equitable to the consumer, with regards to the confidentiality and proper use.

15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish any information on an account without written instruction of the consumer to whom it relates.

15 USC 1681c ( a ) ( 5 ) states that 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 7 years.

15 USC 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681n ( a ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

REMOVE ALL ACCOUNTS INSTRUCTED BY ME AND SEND ME COMPENSATION FOR EACH FEDERAL VIOLATION PERSUANT TO THE FAIR CREDIT REPORTING ACT.

THIS IS MY WRIITEN INSTRUCTION AND MY REQUEST TO PRIVACY AND CONFIDENTIALITY UNDER MY FEDERAL PROTECTED RIGHTS.

I have requested these be removed and deleted several times now next notice will be an intent to sue. 
RESPECTFULLY, XXXX XXXX
Product: Mortgage

I reached out to CHASE regarding a COVID Forbearance in XX/XX/2022 due to being impacted by the ongoing pandemic. At that time they explained to me that at the end of my COVID Forbearance, my options would be to extend the forbearance further, defer missed payments to the end of the mortgage, extend the mortgage term by the number of missed monthly payments, or a repayment plan or modification. I am now coming to the end of my COVID Forbearance and they are no longer offering me the option to extend the mortgage term by the number of missed monthly payments. They have told me I can either refinance, apply for a modification, make a balloon payment now or have a deferment applied to the account and make a balloon payment when my loan reaches maturity. 

A balloon payment is not an option after having not paid my mortgage for 11 months. I didn't come into a windfall of money just because the pandemic is winding down. But they are refusing to honor our agreement to extend the mortgage term by the number of missed payments and return my account to good standing as the COVID Forbearance comes to an end. This is very stressful. And I am concerned that doing a COVID Deferment will impact my ability to obtain a future home loan or refinance should I choose to do that when interest rates come back down. Refinancing right now and doing a modification right now is also not an option because my existing interest rate is 2.8 % and with current interest rates sitting at approximately 7 % my payment would significantly increase. At the time I applied for the COVID forbearance, they made it seem as though extending the mortgage term by the number of missed monthly payments would be done automatically leaving my interest rate as is. 

What they have done should be criminal. It was deceptive at the very least and it appears as though they want to encourage foreclosure later on leaving me stuck with nothing when the CARES Act was enacted to protect consumers not negatively impact consumers.
Product: Credit reporting or other personal consumer reports

I have sent Mutiple letters certified to these companies complaining about inaccuracy on my credit report. I have asked for proof and reinvestigation. They have violated my rights with the FRCA. They have put late payments on my credit without permission. They also charge off this account Mutiple times, when you can on do a charge off once. Please assist. 
I am writing to formally address a serious issue regarding inaccuracies on my credit report and to notify you that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. 

I have sent multiple certified letters to your company regarding the inaccuracies on my credit report, specifically the repeated charge-offs and late payments for the account [ Account Number ] with [ Creditor Name ]. Despite my repeated requests for proof and reinvestigation, these issues have not been resolved.

Late Payments : I did not authorize the reporting of late payments, and they have been incorrectly listed on my credit report.

Charge-Off : The account has been charged off multiple times, which is a violation as a charge-off can only be reported once. 
This ongoing failure to correct the inaccuracies and provide proper documentation constitutes a violation of my rights under the FCRA. I am requesting immediate action to rectify these issues and ensure my credit report is accurate and compliant with the law. 

Please provide confirmation of the actions taken to resolve this matter. If this issue is not addressed promptly, I will consider pursuing further legal action. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$3800.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; ( Original Creditor : ) XXXX XXXX Balance XXXX {$35.00} ; ( Original Creditor : ) XXXX XXXX Balance : {$33.00} ; ( Original Creditor : ) XXXX XXXX Balance : {$35.00}.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/XXXX
Product: Mortgage

My parents took out a HELCO loan with XXXX  XXXX XXXX in XXXX for property that was in the XXXX family trust in XXXX Nevada. Fraud occurred in by an XXXX agent ( XXXX XXXX XXXX ) and police reports filed. XXXX XXXX XXXX suspended payments until court adjudacation. XXXX XXXX also stole money from my father 's annuity however XXXX XXXX refunded money and terminated XXXX XXXX. 
Both parent XXXX are now deceased ( XXXX XXXX ) and XXXX ( XXXX ) All copies of family trust, death certificates, police reports and authorization that I am successor trustee has been provided repeatedly to B of A. They sold the HELCO loan to XXXX in XX/XX/XXXX. I have called every week and XXXX will not speak to me only to my late father. At the same time, they are charging interest every month yet will not let us settle the case.
Product: Student loan

I served in the US Military ( XXXX ) on XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. This is considered qualifying service under the Public Service Loan Forgiveness ( PSLF ) program. During this time, I made 45 required monthly payments : the first student loan payment was made on XX/XX/XXXX and the 45th required monthly payment was made on XX/XX/XXXX. I certified my employment before leaving military service. XXXX XXXX, my student loan servicer, only credited me with 16 PSLF-qualifying payments. All of my payments were made during qualifying service under an IBR and were all on-time ( I enrolled in automatic debiting ). 

When I confronted XXXX XXXX about the huge discrepancy, the reply was that I made extra payments once or twice a year and that was causing them confusion. I asked that my account be audited on XX/XX/XXXX. As of XX/XX/XXXX my account still hadn't been reconciled. I then phoned XXXX XXXX and requested an expedited audit. It has now been 4 months since I requested the first audit. I am still waiting. 

Why is it taking XXXX XXXX 4 months to count 45 payments? As my student loan servicer, they have an obligation to ensure my loan records are correct and to take action to correct them when they are not. They have failed to do this. 

I am attaching my payment history file, downloaded from the XXXX XXXX  website. I added a column to the table counting the number of required minimum monthly payments I made during my qualifying service. The number is 45. One of XXXX XXXX XXXX  accountants could have easily done this 4 months ago. It took me all of 4 minutes. I am also attaching the letter from XXXX XXXX counting only 16 of these 45 payments. Finally, I'm attaching my XXXX to prove my dates of military service.
Product: Credit card or prepaid card

I had an issue with " XXXX XXXX '' XXXX XXXX ( XXXX XXXX ) and XXXX  charging a membership fee early in XXXX. I called and XXXX  refunded the membership which I canceled XX/XX/XXXX. I beleived there was no further issue. I usually only make purchases from XXXX  on my XXXX and had not been to XXXX since the summer of XXXX. I found out in XXXX there were fraudulent charges on my XXXX ( {$750.00} charged XX/XX/XXXX ' ). I reported to the credit card company XX/XX/XXXX. They said they would get back with me once resolved. XX/XX/XXXX I heard nothing, but my fico score was dropped from the 800s to upper 600s. I called and phone number now went to citibank XXXX. I talked to XXXX, then was transfered to XXXX, she was very nice and the first person guinuinly trying to resolve the issue. She put me on hold several time while she conversed with the " gurus '' ( XXXX, XXXX XXXX and others. Eventually after a couple hrs XXXX make a XXXX way call with XXXX  bank because there was essentially no information about the charges, just the amount and fees. Once on the XXXX way call with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) transfered us to the fraud department which I originally reported the case to in XXXX XXXX assured us it would be looked into and resolved which it has not. It has been 4 months since the fraudulent charges were made and just shy of 3 months since I reported the fraud to XXXX XXXX  fraud department. My nearly perfect credit has been destroyed l, all my multiple attempts to have this corrected have been ignored. Spending over 15hrs over multiple months on the phone making calls, reports, filing with XXXX  they always promis to correct the situation, but I just keep getting a email cluttered every day with threats from XXXX for a purchase they know is fraudulent. I have more than tried waiting as calmly as I can while XXXX ( XXXX XXXX and Citi Bank ) continues destruction of my credit which is 100 % the banks fault. When reading from XXXX  web page XXXX XXXX  has apparently made a business out of destroying people credit which is probably why they changed their name to XXXX XXXX. A company with unethical practices as this should not simply be able to change their name and continue unethical practices, someone should be held accountable because the damage caused is much more than just a few hundred bucks of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to open disputes online through the portal where I have an account but continue to get an error saying I cant dispute online. This has been a nuisance as Ive had this account for several years but always have issues where I can not dispute anything. They are advising for security reasons but that doesnt seem right as I am accessing my request from my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Several unauthorized transactions starting the beginning of XXXX, transactions were done from XXXX XXXX XXXX, XXXX. 
When noticed it going on i disputed them and continued to monitor to make sure pnc was not continuing to allow more transactions to go through. My account and and savings were drained to the negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called to try to have the issue of multiple hard inquiries on my account resolved and received a call back at XXXX XXXX EST and was told I needed to provide proof that my identity was stole and was having issues with the police report because they said they would not do anything without documentation. 

I asked for my file and also their policy for my legal records and they said I could find it on their site. I asked if its public why there was an issue sending it to me? 

I then asked to speak with a supervisor and they said they were the supervisor and I again asked for a supervisor the person on the line ignored my request for a supervisor and then hung up the phone on me. 

The information one the case. 
XXXX Police XXXX # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A. Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 




I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, XXXX and Experian have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX submitting this complaint against Experian XXXX XXXX XXXX and there is no third party involved. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Experian XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instructions. 

WHICH I GAVE EXPERIAN NOT WRITTEN CONSENT!!!!!!!!!
Product: Credit reporting or other personal consumer reports

During the period I was a victim of human XXXX, fraudulent financial activity was conducted using my personal information without my knowledge or consent. This resulted in several erroneous accounts, late payments, and inquiries appearing on my credit report. 

For example, an account with XXXX XXXX was opened fraudulently, leading to financial obligations that I did not authorize or initiate. Similarly, XXXX added a utility-related account that I had no involvement with. Additionally, a late payment reported by XXXX XXXX  was an isolated incident caused by circumstances beyond my control during this period. 

Unauthorized credit inquiries, such as one from XXXX XXXX dated XX/XX/year>, further indicate misuse of my personal information. Numerous inaccuracies in my personal information, such as incorrect aliases and employer names, were also added to my credit report. 

Since discovering these issues, I have provided documentation to credit reporting agencies, including police reports and affidavits, to demonstrate that these accounts and entries were the result of financial exploitation. Despite these efforts, the inaccuracies remain unresolved. 

I request a thorough investigation into these matters and the removal of all fraudulent and inaccurate entries from my credit report.
Product: Money transfer, virtual currency, or money service

I had a account with cash app each time I had issue there was no one to assist if my card was used for unauthorized transactions no one could help contact desk was automated so I had to put a stop to my card and order another card to make sure my account stayed secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXXWASHINGTON, DC XXXXXXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX
Product: Mortgage

LoandDepot.com LLC withheld property taxes of {$13000.00} when closing my loans with them on XX/XX/2020. But I have paid in full my property taxes. After 30 days without refund from them, on XX/XX/2020, I started calling them numerous times to ask about the issue. It appears none of them know how to address the issue or is willing to solve the issue, only passing my call from one agent/office to another and back to the first one, or simply dropped my calls, and mails sent to them was not found as I was told.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, Enhanced Recovery CO L., added a derogatory remark on my credit report per XXXX XXXX and XXXX. Upon further research this account was transferred/sold, and I am no longer responsible for this account. Debtors ' creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for the accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA Enhanced Recovery CO L, has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that credit reporting agencies still indicate my dispute of information in my credit report. Asof todays date, 3 credit bureaus have not responded to my dispute. According to the Fair CreditReporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check thepayment history, date open, last activity, and Status of the listed accounts which I believe were reportedin error. 
XXXXXXXX XXXX XXXX  XXXX. Balance : {$260.00} ; XXXX XXXX .... Balance : {$280.00} ; XXXX/DEPT OF ED XXXXXXXX XXXX  XXXXalance : {$3700.00} ; XXXX/DEPT OF ED XXXX XXXX  Balance : {$6900.00}