23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXX ) 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 : Accounts : DP OF EDUC XXXX DPEDXXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My elderly parents aged XXXX and XXXX bought airline tickets at XXXX XXXX XXXX XX/XX/XXXX XXXX using my BoA credit card. Due to Pandemic Flight Operational challenges, the XXXX airlines rescheduled flight without our approval.The flight was later on canceled.XXXX offered full refund of {$1300.00} but we are only refunded {$240.00} I was told to wait for 5 months byXXXX but never got remaining amount .They advised me to file refund at XXXX XXXX XXXX which never responded as to when remaining amount of {$1100.00} will be given. I have sent countless ( >20 emails and calls ) but all attempts were unsuccessful. I reached out to BOA XXXX credit card on XX/XX/2021 but my claim was denied. My parents are old and put their only remaining cash on the purchase of the tickets to see family in the XXXX. Their pleas to be get the remaining amount was ignored by Bank of America and XXXX XXXX. I selected Bank of America Credit card in the hopes that when disputes like this happens, we will be helped and protected from dishonest business and protect consumers from being taken advantage of. We also selected XXXX  because they are Flag carrier for XXXX  here in America. We thought they will care more for their people.We are so desperate to seek for help .I have all documents if you need me to submit them .Please help us .Thank you and God Bless! 
Passenger 1 : XXXX XXXX XXXX XXXX Booking Reference : XXXX Ticket XXXX Passenger 2 : XXXX XXXX Booking Reference : XXXX Ticket XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I sent a XXXX Cashier 's check in the sum of {$620.00} to Synchrony bank/Amazon to pretty much pay off my account. I sent the Cashier 's check with a USPS tracking number which shows delivery. Three weeks went by and the funds were not credited to my account so I called Synchrony bank/Amazon to see what the issue was, the first two reps said they could see the payment but I had to provide information proving I made the payment which was absolutely ridiculous but I accommodated and faxed them a copy of the XXXX Cashier 's check receipt and a copy of the USPS tracking receipt. I received a letter from them a few weeks later stating that they declined my dispute. So I called again and the rep said to file another dispute again, I did as he suggested, I sent in the receipts again by email and fax and also by Usps mail. I received another message from Synchrony bank/Amazon stating that they found the payment in question and will take a billing cycle to get fixed. Today ( XX/XX/22 ), I received another message from Synchrony bank/Amazon stating that they could not apply the {$620.00} to my account because the XXXX Cashier 's check was cashed by someone else so the reversed the payment and are charging me another {$620.00}. I sent them all the information again this evening for the XXXX time. My bank, XXXX said just a couple days ago that the check has not been cashed. Three of the employees that work for Synchrony bank/Amazon has stated that they could see the payment affiliated with my account but needed proof and now I have a letter from Synchrony bank/Amazon stating that they found the payment, then today 's letter is saying the total opposite. I don't understand what is going on with Synchrony bank/Amazon , All I want is what I paid credited to my account. I did my part, I paid it and even provided proof that I paid it. I have additional documents and fax logs besides what I have submitted if needed. To many to attach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working with XXXX and XXXX to resolve an issue with Firstmark Services, the loan servicer who bought my student loan from XXXX XXXX in XX/XX/XXXX. 

I have been paying Firstmark Services XXXX XXXX monthly since XX/XX/XXXX. This is the only account I need to make payments on, and my XXXX XXXX has not improved despite my timely payments. After going back-and-forth with Firstmark Services personally and filing disputes against them through XXXX and XXXX throughout XXXX, one of Firstmarks customer service agents finally disclosed the problem to me. 

Firstmark Services has been applying my monthly payments to the interest on my loan exclusively. This was never clearly expressed to me through an agent or the loan servicers communications until I spoke to them on XX/XX/XXXX. Their reasoning for this is unclear. Firstmark Services claims I agreed to exclusively making interest payments instead of splitting my payments between interest and the principal loan, which is not true. I immediately began looking into my refinancing options, and then I realized their insidious plan to prevent me from escaping their clutches. 

Firstmark Services applied my payments to my interest exclusively to prevent me from raising my credit score and having my loan refinanced by another bank. They altered my interest rate upon purchasing my loan from XXXX XXXX to ensure my minimum monthly payments only cover the interest, and my loan continues to grow exponentially so I owe them more money. There is no way I can get out of this because Firstmark Services added remarks to my account for the credit bureaus stating that the bureaus are not to raise my credit because I am only paying off interest, according to a representative from XXXX. 

I believe Firstmark Services wrongfully led me to presume my payments were being applied to the principal and the interest on my student loan. Until this month, I was in good standing with Firstmark Services. Now, I refuse to pay them until all my previous payments are applied to my credit score so I can have my loan refinanced.
Product: Credit reporting or other personal consumer reports

The credit reporting agenciesXXXX, Experian and XXXX continue to report my XXXX XXXX platinum credit card ending in XXXX as a charge off. However, I was a victim of a XXXX in which the thief fraudulently used my card and identity to cause the charges on my credit card, as a result, I am not responsible for the charges. I have attached a copy of the police report in which the criminal was ordered to pay me a restitution of {$49000.00} and sentenced to 3 years in XXXX for the crimes of XXXX XXXX XXXX XXXX XXXX XXXX Thefts. Please remove this charge off account from my credit report agencies as it is a result of fraud.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.this account is hurting my ability to obtain credit.Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account Iam asking you to verify as accurate account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are four accounts listed on my XXXX and Transunion credit reports that do not belong to me. They are all from the same company with different amounts showing. The company is XXXX. I have disputed these accounts and Transunion has supposedly deleted one of them off of my credit report. XXXX XXXX shows a notice which says : Collections Account Removed XXXX between XXXX XXXX, XXXX and XXXX XXXX, XXXX your XXXX collections account was removed from your credit report. My credit report dated XXXX XXXX stills shows them all on there. These accounts do not belong to me and I want them removed from my credit reports. 
Thank You for Your Time
Product: Credit reporting or other personal consumer reports

15 U.S.. Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than four business days after the date of receipt. It has been 30 days and this company is in violation of this law because I'm a victim of identity theft. Please delete these items as soon as possible : 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 Please remove the following incorrect personal information : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX. I am demanding these unauthorized inquiries : 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
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information on my consumer report. There are several misspellings of my name and addresses that DO NOT belong to me. XXXX, Experian, and XXXX assumed a vital role in the banking system and have to follow the law in furnishing consumer reports. 

I have stated several times and provided proof of my identity and correct address and each company is still inaccurately reporting my personal information. 

My name is XXXX XXXX. There should be no other names listed on my report. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX remove any other address they do not belong to me. 

If you have reason to believe the information you are being furnished and paid to report provide me with an accounting ledger so I may inspect the records. Please take not I am not asking for my consumer report but the account history for the financial gain made from my consumer report. 
( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Mortgage

My name is XXXX XXXX and Freedom Mortgage was my mortgage lender. They had pre-approved me to refinance into a XXXX year loan from my XXXX  year current loan. After being pre-approved at a XXXX XXXX rate they fired my lender or he quit, they didn't tell me this ... and along the approval process they purposely delayed the process and lied and told me it was the fault of the other parties such as the XXXX company yet the representative at the XXXX company said she never received info from Freedom even though Freedom said they had sent it to them. I was locked in at XXXX XXXX yet Freedom noticed rates going up so they purposely slowed down the process then didn't approve me XXXX XXXX later, all the while I thought I was approved. I was also pre-approved by my credit union, so in retrospect I should've just gone with them yet since I was already in a mortgage with Freedom I thought the refinance process would go much smoother with them. They also sold my loan during the refinance process and didn't even tell me, which made it more difficult to roll me into the XXXX year refinance plan. I complained over and over to them and expedited it up the chain of command to the CEO yet they never made this right and now I'm still stuck in a crummy XXXX year mortgage loan for no reason.
Product: Credit reporting

I desputed XXXX accounts and there were deleted but XXXX of them reappeared with a different collection name.
Product: Debt collection

ACCOUNT SERVICES COLLS ARE REPORTING A {$140.00} FOR A MEDICAL BILL FOR XXXX THAT MYH INSURANCE HAS ALREADY PAID. XXXX AND XXXX HAVE SINCE REMOVED THIS DEBT AFTER MY INQUIRING FOR VALIDITY. NO VALIDITY COUND BE PROVIDED AND THE ACCOUNT WAS REMOVED. I NEED XXXX TO DO THE SAME ASAP.
Product: Credit card or prepaid card

I have been a customer for decades, since the XXXX XXXX times, but unfortunately Chase does not appreciate past long time loyal customer with pristine credit history. 
Chase Bank decided to : 1 ) End the XXXX XXXX XXXX product which was valid until XX/XX/2025, 2 ) Denied me use of my XXXX XXXX XXXX valid until XXXX, and forcefully migrated me to a new product called the XXXX XXXX XXXX XXXX, 3 ) The new product is much more expensive, and NOT a MasterCard, unacceptable to me, and have not activated the cards, 4 ) They are denying access to the Club in the airport, although XXXX XXXX  was valid until XX/XX/2025 5 ) Chase Bank has BULLIED me into accepting an unacceptable product, instead of letting long time customers have the CHOICE of keeping their legacy card, 6 ) Charged me an annual fee of {$450.00}, and did not deliver their product or promise, this to me, feels like FRAUD.
Product: Mortgage

I received funding to bring my loan current under a reinstatement agreement through the Equitable Retention Mortgage Assistance Program and a grant for {$95000.00} from the Homeowner Assistance Fund program, PHH received these payments from these programs on XX/XX/23. I have contacted my servicer weekly to ensure these funds were applied appropriately and they have not done so. As of XX/XX/23, PNC has not applied the funds appropriately. Further, they have threatened foreclosure action. They have been causing me difficulty for years as in not processing my payments correctly which has caused me a great deal of stress. I want something to be done to ensure this does not happen again to myself or to anyone else.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX - XX/XX/XXXX Name - XXXX XXXX - The following personal information is incorrect Incorrect Name - XXXX C XXXX- The following personal information is incorrect Incorrect DOB - XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX APT XXXX, XXXX, MA, XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX, XXXX, MA, XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, MA, XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX, XXXX XXXX  MA, XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX, XXXX, MA, XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX, XXXX, MA, XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX, XXXX, MA, XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX, XXXX, CT, XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX, XXXX, MA, XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX, XXXX, MA, XXXX - The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX  - The following personal information is incorrect These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX and XXXX XXXX XXXXXXXX ran Hard Inquires without my permission. I did not provided them with my SSN. I provided them with my business EIN number for my company " XXXX XXXX XXXX XXXX '' and they ran my SSN without my permission. Other credit card companies have not done this egregious act when I provided my EIN to them. These hard inquires need to be removed ASAP! 
I attached documents to verify my identity
Product: Mortgage

Vanderbilt has been taking property taxes from my mom for the last four years when at the age of XXXX they should have stopped she passed away when she was XXXX
Product: Checking or savings account

I am a victim of identity theft. An identity thief used my personal information without my permission to make fraudulent transactions on my accounts with Santander Bank. 

I am a member of XXXX and enlisted their service in the investigation. 
I completed a XXXX Power of Attorney form for XXXX so they may contact Santander Bank on my behalf and inquire about the investigation. 
The XXXX Power of Attorney form along with supporting documentation was mailed to Santander Bank on XX/XX/2021 and received on XX/XX/2021 - verified by USPS Certified Ticket # XXXX XXXX XXXX XXXX XXXX. 
The agent assigned to my case contacted Santander Bank via phone call on XX/XX/2021 to verify receipt and attachment of the XXXX Power of Attorney form to my account, and was told that Power of Attorney must be completed in a branch. 

Santander Bank then proceeded to freeze all of my accounts for security, stating an unauthorized party had called and tried to gain access to my accounts. 

On XX/XX/2021 I visited my local Santander Branch at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 
I spoke with XXXX XXXX and advised that I was aware of the phone call made and that it was authorized. 
My request to unfreeze my accounts was denied. 
My request to establish new accounts was denied. 
My request to have the XXXX Power of Attorney form resubmitted by XXXX was denied. 
My request for the contact information for the fraud department of Santander Bank was denied. 
My request for information on the process of authorizing another party on my accounts was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting complaint this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 

XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX. EQUIFAX MORTGAGE SER Inquired on XX/XX/2021 XXXX. EQUIFAX MTG Inquired on XX/XX/2021 XXXX. XXXX XXXX  XXXX Inquired on XX/XX/202 XXXX
Product: Debt collection

I was contacted by XXXX XXXX from XXXX XXXX XXXX on XX/XX/2020 in an attempt to settle debt from CashNetUSA for the total amount of {$870.00}. I agreed to pay {$320.00} on XX/XX/2020 and then make payments of {$150.00} beginning on XX/XX/2020 until the debt was payed in full. 
They have now taken {$390.00} more than I agreed to pay for. The payments in my bank statements are under XXXX XXXX XXXX XXXX  RF # XXXX XXXX XXXX NY. 
Every time I try to contact them, I am told to leave a message but I am never contacted back. I know they are taking advantage of me but I dont know what to do anymore.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were made fraudulently without my authorization. 
Accounts to Be Blocked and Deleted : XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$670.00} XXXX. XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$670.00} XXXX. XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$1900.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$970.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$3300.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$10000.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX date XX/XX/XXXX business type automotive dealer inquiry not made by me XXXX XXXX XXXXXXXX XXXX inquiry date XX/XX/XXXX this is type automotive dealer inquiring not made by me I've tried to have it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  car sales inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX slash XXXX inquiry not made by me XXXX XXXX XX/XX/XXXX inquiry not paying by me