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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$20000.00}, {$5600.00}, XXXX, {$0.00}, {$10000.00}, {$7700.00}, {$0.00}, {$4800.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$4100.00} -This is not my account. 

XXXX. XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$20000.00} -This is not my account. 

XXXX. XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$5600.00} -This is not my account. 









XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 




-- PERSONAL LOANS XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$10000.00} -This is not my account. 

XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$7700.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 




-- XXXX ACCOUNT XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 











I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX SUNSET PL XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security XXXX, CFPB, FTC, Police Report. 




______________________________ ______________________________ XXXX XXXX DATE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX 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: Mortgage

I asked for a moratoriam of payment for three months in the payment after a huracane and they accepted, went to pay and they did not accept the payment. They offered to try for a modification. After several months providing information they denied without much explanation. Now they want to foreclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am undergoing a financial hardship since XXXX of XXXX when my husband lost his job. In XX/XX/XXXX inflation was up 15 % which made it hard to pay the amount due. I called Golden1 in XXXX of XXXX asking how could I apply for a hardship to lower the monthly payment and I was instructed on how to do that and did so just before my XX/XX/XXXX grace period was over which took it out to XX/XX/XXXX. It took Golden 1 several weeks to complete my request as Golden 1 was behind in these requests. Once I signed the hardship loan on XX/XX/XXXX I had an understanding that my loan would be made current and I would be able to make the new payment of {$290.00} and the months, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX would be deferred to the end of the loan and my new payment would be due XX/XX/XXXX with a grace period of 14 days. I noticed the payment was updated in XX/XX/XXXX but the due date was not and made it impossible for me to catch back up because this was not deferred correctly. I called and debated with someone on the loan team and they were quite rude and not helpful at all. The Golden 1 representative I talked to before this when I applied for the hardship program explained everything incorrectly which was on a recorded line. Please pull call from XX/XX/XXXX. This is not my error. It is Golden 1s error because the employees are not trained properly to pass on correct information and gave me a false understanding. If I had the correct information then I would have made another payment before that. Instead I was making payments to other debt when I could have made Golden 1 the priority because I thought XX/XX/XXXX was the new due date. As you can see, I have my checking account with you and have been a customer for many years. That being said, since your employee gave me incorrect information which helped cause the error I would ask you that as good customer service and good faith that you would report that these were reported in error as I was making every attempt to keep my account current and had your employee provided me with the correct information this all could have been avoided and also you all were behind for 2 months in handling the hardship program-also not my fault. I am asking you to please re-consider as this is hurting my credit and it just isnt fair since I made an effort to handle this and have been a long time customer. 


Also that being said Golden 1 is violation my rights and in violation of the fair credit reporting act rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit/loan account under an open and consumer credit plan as late for any purpose.

This account remains OPEN. Also reported in error. Please correct your errors. Your response will also be published publicly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXX dated XX/XX/XXXX 2 ) XXXX dated XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX dated XX/XX/XXXX Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXXXXXX dated XX/XX/XXXX 2 ) Bank of America dated XX/XX/XXXX 3 ) XXXX XXXX dated XX/XX/XXXX XXXX
Product: Checking or savings account

At XXXX XXXX XXXX XXXX XXXX XXXX, I received an email from Marcus by Goldman Sachs saying there is an issue related to my account and they asked me to call back. When I called them back, I asked what the issue is and they asked me personal information to verify my ID. I was able to verify my name, date of birth, last 4 digits of my SSN, and the secret word associated with my account. At this point, they told me they need to send a verification code to my phone for the last verification. However, the agent was not able to send the code because my phone number showed inactive in their system. This is the number I gave to Marcus by Goldman Sachs when opening the account and is the contact info linked to my account. Furthermore, this was the phone number I used to call them to inquire about the issue. Their system couldn't send the verification code and they told me they could not verify my identity. Because of that they refused to let me know what problem there is with my account. After hanging up, I checked my account and found that I couldn't access it anymore as it was locked. I called again but because of the same reason, they told me they couldn't verify my ID. They refused to give my the reason for locking my account and they refused to tell me how to unlock it and get back access to my money in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified Experian thru the CFPB that I am a victim of identity theft. There response is that I am a third party. Dear Experian, I am not a third party. I XXXX XXXX am submitting this complaint myself to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I haven't received any investigation results.
Product: Debt collection

Call after I seen it on my report and have yet to hear a response about how the debt is not mine and I had no dealing with this company
Product: Debt collection

I receive a collection on my credit profile from southwest credit XX/XX/2023 was date open in the amount of {$380.00} it was charge off on XX/XX/2023 as a collection but I have a paid in full letter stating that the balance was paid I ask that it be removed from my credit profile immediately or legal action will be taken
Product: Credit reporting or other personal consumer reports

Company has been asked to match investigate and remove fraudulent remarks on account. Company refused on numerous occasions violation consumer rights but failing to investigate for the past 12 months repeatedly. Attached is XXXX credit report with all fraudulent remarks non present. Company was walked to update account to match XXXX company refused. Company was asked to investigate fruad and remove files. Company refused. Company was called over the phone and requested to remove files, company refused, company was mailed letters certified mail and requested to remove fraud accounts, company refused. Company has consumer time and money by failing to investigate issues even when provide with resources. As stated attached is my one and only correct credit file up to date. Company has continuously reported fraud accounts with malicious intent and lack of regard for user
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, KIc. ) ( o to irle qualo 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 XXXX XXXX untair an deceptive, as they didnor '' 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: Mortgage

On XXXX My wife and I with our XXXX very young kids sold our home in XXXX and repurchased a new home in FL, unknowing to us at the time we were given a subprime loan by someone we trusted/realtor we trusted. I was a XXXX in the city of XXXX and wife worked as a XXXX helping sick and elderly people and we both made a decent salary to support ourselves and our kids. At the time we were n't to savvy on how a subprime loan work believing it was the same type of loan as our previous loan with our first home, only later to find out there were investors included this loan for the XXXX home by that time it was too late however we remain persistent and try to make our payments which was astronomical and begin to cause hardship for us, things got so stressful my wife and kids begin to hate the fact that we moved to this new home, she was later diagnosed with a XXXX and had to have it surgically XXXX and as for myself i was suffering from injuries I sustained during the XXXX while working as a XXXX, after her XXXX she decided to move back to XXXX and my kids would later follow her and despised the fact that we had relocated to FL in the first place, meanwhile I was diagnosed with a XXXX which followed by XXXX along with XXXX, XXXX, XXXX, XXXX XXXX XXXX, plus XXXX XXXX. I do n't know how i am able to survive but I am still here by the grace of XXXX. I applied for XXXX from what I understand there is a backlog which mean I have to wait until they get to me. Meanwhile, I am unable work, even if I was able to work I would not be able to find work, as a former XXXX there are no XXXX jobs available. The savings that I have is starting to deplete, I like my home I do n't want to lose it but it seems I am heading in that direction if can not my payments, the mortgage company is starting to call because they believe I will not be able to make my payments time is running out it appears I may have to sell my home in the next month or two and the selling price is very much lower from the time I purchased it in 2006 because of that ridiculous subprime loan that was given to us, when in actuality my wife and I were working professionals helping to protect the public, providing XXXX to the sick and elderly and this is how we got treated in return.
Product: Mortgage

I applied for a loan modification and was denied but I never received a denial letter. I hired an attorney to represent me and he filed the application and followed up with the bank and they told him that I was denied for income issues and that a letter detailing the denial and allowing for an appeal would be sent out. This phone call was on or about XXXX XXXX, 2016. He was told that the letter was dated XXXX XXXX, 2016. I called XXXX XXXX, 2016 and was told that I was denied because I did not submit enough paperwork. Never did I receive a letter saying additional paperwork was needed. In fact the file was submitted for decisioning and the decision was supposedly made based on an income issue. In the middle of the decisioning period my home preservation specialist left the company. My attorney was told on the phone on XXXX XXXX, 2016 that the foreclosure was suspended and my loan modification was in an appeal status. On XXXX XXXX, 2016 the bank said the sale will go forward and the loan modification was denied for lack of documentation submitted. Wells Fargo is not allowing me a chance to review their decision and I am going to lose my residence. I have attached all of the documents that were submitted and considered as a full file. The only document that was requested after the initial documents were requested was my tax return which I provided. This was because the XXXX that was provided by America 's Servicing Center was rejected by the IRS. If I was rejected because of my income I know I deserve a chance to appeal. My attorney was given specific income information that was the basis for the rejection. The representative informed my attorney that my DTI was above XXXX %. I know that I have a right to appeal that decision. To then attempt to convert that decision to a failure to provide documentation decision if bad faith and a failure to live up to their obligation to negotiate in good faith with borrowers.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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  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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian asking for proof of certification for the the bankruptcy listed on my file as well as all of the negative items attached to the bankruptcy and they have not done so. I know that under 605 ( b ) of the Fair Credit Reporting Act, an agency must block information within 4 business days.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

Accounts are listed below : 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, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$40.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX & XXXX BANK XXXX XXXX : {$580.00} XXXX XXXX XXXX & XXXX BANK XXXX XXXX : {$580.00} TransUnion : XXXX & XXXX BANK XXXX XXXX : {$580.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX concerned about an alleged public record listed on my consumer report on XX/XX/2022, couple of months later received an envelope containing a link and PIN number to access my updated report which allegedly showed the bankruptcy being unverifiable and therefore removed, I contacted them shortly after and they told me they were to communicate to the mayor credit bureaus of the changes and today XX/XX/2022 just found out that they still havent reached to Experian, XXXX and XXXX further more I learned that they are still housing the XXXX XXXX XXXX  in a unverified account department. This company continues to violate the laws, my rights as a consumer and not being held accountable for the inconvenience and damages being inflicted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the XXXX XXXX Inquiries on my report. XXXX XXXX XXXX pulled credit twice with out permission. This had happened after I got a XXXX XXXX card and that got pulled twice also. Experian and XXXX one Have dealt with the second inquriry. I am concerned with Fraud and someone trying to use my credit without my permission. 
XXXX id not give XXXX the permission to pull my credit nor do I have credit with them. I also did not give XXXX permission to pull my Credit, and I dont even know what the company is. The last XXXX had no right to pull my credit without permission. All of them came as a slew of inquiries after I had received my XXXX XXXX XXXX, except for XXXX. I was told this is a mortgage company. I am not looking for a house and can not afford XXXX. I have called the companies which have either told me to report it to the credit bureau, which I did. XXXX is working with me, How ever Experian told me to Call the companies again and write a dispute letter. 

XXXX details XXXX XXXX XXXX - XXXX and XXXX, XXXX and XX/XX/XXXX. XXXX. Neither was XXXX - XXXX XXXX. 
XX/XX/2022. Not XXXX XXXX. XX/XX/2022. Not authorized These need to be removed from my credit report. I did not authorize any of the above inquiries. Per XXXX suggestion and request I will be filing a police report tomorrow.
Product: Credit reporting or other personal consumer reports

I had a mortgage with US Bank on my previous property of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NH XXXX dating back to XX/XX/XXXX. In XXXX of XXXX, I contacted them and got approved for a 3-month forbearance for XXXX and XX/XX/XXXX. 
I received a letter on XX/XX/XXXX confirming Im in a Covid19 forbearance plan and no action is required at this time. 
On XX/XX/XXXX I was notified that my forbearance was approved for an additional 3 months ( letter attached ). 
I was able to return to work in XXXX which you will verify as part of my mortgage application and once I was working I called in on XX/XX/XXXX to let them know I was now working and would be able to start making payments. Apparently that phone call triggered the person on the other line to click on a box on his screen and he took my loan out of forbearance without informing me ( this is info that was provided in subsequent phone calls to US Bank after the 90-day late was reported and I questioned it ). During the XX/XX/XXXX phone call, I was told I could either let the amount in forbearance be added to my loan balance or pay it all at once. I chose to make a large payment of {$3300.00} on XX/XX/XXXX which paid for XXXX XXXX and XXXX. These amounts were not past due as they were part of a forbearance plan. I also made a full payment that day to pay for the month of XXXX. 
The US Bank mortgage statement dated XXXX shows all transactions described in the paragraph above and also shows the XXXX mortgage payment as paid on XX/XX/XXXX yet the credit report states a 90-day late payment in XXXX. 
The US Bank mortgage statement dated XXXX shows that if the total due is paid after XX/XX/XXXX then there will be a late charge. You can see on this statement that there are no late charges and that is because the loan was in forebearance. 
Attempts to resolve this with US Bank have been unsuccessful.