23daVinci/CFPB_Complaints huggingface dataset:
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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This was my follow up for my latest complaint. I am requesting the removal of the following items from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), mandating their removal no later than 4 business days after XX/XX/XXXX. This matter was previously addressed in my prior correspondence, and I am restating it here alongside my new FTC report # XXXX. Please expunge the following items attributed to alleged identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failure to remove the listed items may result in legal action. I have apprised my attorney of my intentions, and they stand prepared to pursue legal recourse in case of willful noncompliance.
Product: Debt collection

Debt is from Consumer Adj Co original creditor shows white water for {$110.00}. Ive sent multiple letters over the past few months for debt validation and no response. Ive reached out to all three credit bureaus to validate and no response from the credit bureaus either. This debt is tremendously affecting my credit and I would like it removed. I have no knowledge of this debt and would not like this to continue to report to my credit report.
Product: Credit reporting or other personal consumer reports

Equifax staff appear contemptuous of correcting Biden student loan forgiveness information. See attached email and documentation. I have submitted multiple disputes but the staffer holds out in contempt.The balance is XXXX, no lates. 
( *Equifax Counsel please do note given common CFPB complaint tactics by companies that CFPB replies must be in language understandable to the least sophisticated debtor, not include answers or information not asked for by the complaint, or other obfuscating tactics, and must address the complaint directly in a simple answer, otherwise the response will just generate another CFPB portal complaint, and another, and another, until an appropriate response is recorded into the CFPB portal )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, Medical Account # XXXX, Medical Account # XXXX, Medical Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX 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
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information that 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$480.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX ) XXXX Started a debt in XX/XX/2016. From what I can tell when speaking with them this debt is for an apartment that flooded in 2016. I moved after the flood and did not return. I have explained that this debt is not valid. They are very rude. 

My main complaint with this company is that since they took this account into collections this company has increased the balance on this account monthly. I have not received any documentation from this company to validate the debt, or validation that they have a right to keep adding money to this account monthly for over two years. I have tried to find relief through credit dispute, but they only answer with a letter stating that they can not give info to third party without a signed form but will not provide the form.
Product: Debt collection

On or about XXXX XXXX, XXXX, my manufactured home bearing the identification number of XXXX was stolen from me by the bank listed on the documents. The bank in question had no rights whatsoever to my home, as my mortgage was through XXXX XXXX originally through XXXX XXXX, then transferred to XXXX XXXX and finally to XXXX XXXX. As you may see through the legal documents, my home was not to be included in the foreclosure per XXXX XXXX order. Moreover, the Certificate of Title and Certificate of Sale exclude my home as well. I had to retain legal counsel at the time just to prevent the bank from stealing my home, which they had no legal or civil interest in at all. The bank in question was somehow able to locate the VIN of my home and include it within another foreclosure. The bank physically had to research my VIN, as they would not have had any record of it since I did not have a mortgage or loan of any type with this bank. What this bank did to me would be no different than if I were to foreclose on my neighbors home. My neighbors do not owe me any money, and I have no security interests in their home ; however, I foreclose on their home anyway even after a judge orders me not to do so. Well, this is exactly what this bank did to me. It is extremely worrisome that this bank has been able to get away with this crime, which establishes a frightening precedent that could be perpetrated unto other honest citizens. The contact information for the bank whom illegally dispossessed my home is : Selene Finance, LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX Despite the Judges order and the bank realizing that it had no rights to my property, the bank fraudulently acquired title to my home and sold the home. I was still making payments on my home for several months after the bank had stolen my home unbeknownst to me. At some point in XXXX, the new owners removed my home from their property and the whereabouts are unknown to me. I had thousands of dollars in personal belongings still in the home. To date, I am still being harassed from XXXX to make my mortgage payments, which has negatively impacted my credit and subsequently has had a detrimental effect on all aspects of my life. I had my home and personal belongings stolen from me, have lost a great deal of money, negative reporting on my credit reports, and have endured a great deal of stress and aggravation to say the least. 

I truly hope that you can help me in this criminal matter and prosecute the perpetrators.
Product: Credit reporting or other personal consumer reports

I dont recognize these credit inquiries and I had ask the XXXX credit bureau XXXX fixs it and they did not. 
I had submitted and identified theft report my reference number is XXXX
Product: Credit reporting or other personal consumer reports

I have a closed account from XXXX XXXXXXXX Experian and XXXX XXXX are refusing to update and correct
Product: Money transfer, virtual currency, or money service

I initiated an on-line transfer of {$4100.00} from my XXXX XXXX XXXX account to Bank of New York . The full sum of the transfer was to be deposited into their client, XXXX XXXX account. The transfer was initiated XX/XX/XXXX. XXXX XXXX client, who was the intended final recipient of the transfer, manages vacation property and they reported to me that the funds were not received. To this day the property management company has not received the funds. 

XXXX XXXX XXXX put a trace on the funds and Bank of New York responded they were unable to locate the funds. XXXX XXXX XXXX dropped the claim. I personally called Bank of New York and spoke with the transfer department regarding the transfer that was to be deposited into their clients account. The transfer department confirmed the XXXX XXXX account number used was correct and that {$4100.00} had been deposited into the XXXX XXXX account on XX/XX/XXXX. I was told the money was a bank to bank transfer and therefore the funds can not be returned to me directly. I spoke with the manager of the transfer department and he confirmed record of deposit to the proper account and informed me XXXX  XXXX XXXX would need to submit a Letter of Indemnity to move the case forward. XXXX XXXX XXXX escalated the case to their fraud department and I was informed by XXXX XXXX XXXXXXXX that the case was once again declined due to Bank of New York not responded to their request to investigate. 

I have been advised by a financial attorney that I am entitled to a confirmation of deposit of the transferred funds from Bank for New York be sent to my XXXX XXXX XXXX Branch Manager. I called Bank of New York again on XX/XX/XXXX and spoke with the manger of the transfer department, XXXX, a second time requesting a confirmation of deposit be sent to the XXXX branch manager where I have my account. XXXX laughed at me and stated he found this request highly unusual and that I have no right to any such documentation. I gave him the email of my XXXX  branch manager and requested he send documentation of transfer of funds. My branch manger has not received this confirmation as of this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX i sent all 3 credit bureaus certified mail disputes of inaccurate things on my credit report and i have not received anything yet over 45 days now. my understanding if a investigation take more than 30 days all inaccurate information must be deleted from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBE Group is reporting a debt on my credit file that I do not owe. I have been disputing this account with them because I had applied for medical hardship and was approved and I paid off the remaining that was left after hardship. CBE continues to report an account with a balance of over {$800.00}. This is false as this account has been settled. I ask that CBE remove this account form my credit file. It is not owed, I settled this with the hospital and it must be removed.
Product: Mortgage

We defaulted on our mortgage XX/XX/XXXX because we were going to lose our car and had to pay a large amount to get our car loan balance up to date. We applied for a mortgage loan modification with our lender Ocwen. We have been submitting modification paperwork for a year and a half. Every few weeks during that 11/2 years, they would come to us asking for more paperwork. We sent them all the paperwork they needed so many times that we lost count. And we spoke to them so many times and were assured that they had all the paperwork they needed only to have them call again and again saying they were missing documents. XX/XX/XXXX, they had their lawyer begin mediation. We gave her all of the same papers we had given Ocwen for the past 11/2 years. She finally got through to them and they recently presented us with their offer. They decided to rais our payment over {$300.00} more than what we were paying when we had our hardship XX/XX/XXXX. They told us that we do n't qualify for any of the Home Affordable programs. The loan amount is over {$160000.00} because of all their fees. Our home, built in the XXXX 's, is barely worth {$110000.00} and is in dire need of repairs ( furnace, roof, flooring, electrical, plumbing, etc ). We can not afford such a high payment. We would never be able to make the repairs neede to make it liveable. Not to mention their offer includes a balloon payment of over {$90000.00} XX/XX/XXXX. We do n't want to lose our home. Paying over {$800.00} a month on a home that is falling apart is very disheartening. We do n't understand how Ocwen could raise our payment from {$520.00} to {$820.00} and expect us to be fine with it. We believe they can lower the payment. We also believe they are being dishonest. We have until XX/XX/XXXX to accept their offer or move out. We do n't want to do either one. We ask for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recall ever opening these accounts. My military service began in XXXX, so I was not attending college : XXXX XXXX XXXX opened on XX/XX/XXXX, last active on XX/XX/XXXX. {$45000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX, {$23000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX {$22000.00} These accounts are old, so I would like to have them removed from my credit report : XXXX  XXXX XXXX : Opened in XX/XX/XXXX, last active XX/XX/XXXX XXXX XXXX  : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX XXXX  : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX  XXXX : Opened on XX/XX/XXXX, last active XX/XX/XXXX XXXX  : Opened on XX/XX/XXXX, last active XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Fianancial Protection Act ( CPFA ). Specifically, Cash App failed to take timely and effective measures to preventand adress fraud on thier platform, leaving my account vulnerable and unprotected. Furthermore, thier 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 inconveience and financial loss, and i seek appropriate redress for these violations
Product: Checking or savings account

Hi, I was on international travel for our honeymoon with a return date of XX/XX/23 and a return flight of XXXX. I was alerted by the hotel upon checkout that my sdccu card declined. I checked my balance to verify that the funds were in my account and they were. The hotel tried numerous times and each time declined. We had to wait until sdccu bank opens on XXXX time zone approximately an hour to speak to a bank representative. I was informed that the bank was experiencing an outage and declining all cards. I enforced the bank rep that I had a flight to catch in 2 hours but am unable to check out with the hotel because my funds are tied up. The sdccu representative was very rude and stated there is nothing that can be done and I would just have to wait. I requested to speak to a manager to which she stated none was available. She took my phone number and said one will call me. Ultimately we missed our flight and had to pay over {$500.00} to rebook. I used my credit card which is for emergencies and did not have a limit to cover the hotel. Also, I had pending automatic transactions to include bills that were declined and returned with retuned payment fees added. We were stuck in another country until we contacted family as we were desperate to get home. Once the sdccu outage was over I discovered several over draft fees in my account due to my deposits being returned during the outage. This is very disheartening. My daughter, husband, and I all bank with sdccu for nearly 20 years. I am requesting all over draft fees as a result of this outage to be refunded. I am also requesting that sdccu take care of the additional flight fees due to missing our flight from not being able to check out of the hotel and a refund of the returned payment fees accrued from my bills attempting to be debted from my account. My deposits were returned and therefore everything either bounced or resulted in over draft fees. My family and I would like to continue to bank with sdccu, however, if this situation is not resolved we will have no choice but to bank elsewhere. Feel free to email me at XXXX or call at ( XXXX ) XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 usc 1681. 

account name : # XXXX, account name : # XXXX, account name : # XXXX 15 u.s.c 1681 section 602 a .state i have the right to privacy 15 u.s.c 1681 section 604 a section 2 ; it also a state consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681c. ( a ) ( 5 ) section state : 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 crime 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX Original Creditor : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I am writing to formally protest the actions taken by your firm, which I believe are in direct violation of my consumer rights, including my right to privacy, as outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
Specifically, I assert that your firm has engaged in the following unlawful practices : 1. False or Misleading Representations : By implying that you are acting as both an attorney and a debt collector, you have misled me as a consumer. This is a violation of 15 U.S.C. 1692e. 
2. Unfair Practices : Your firm has violated 15 U.S.C. 1692f by sending me mail by postcard without allowing me to dispute the accuracy of the alleged debt. This practice is both unfair and deceptive. 
3. Defamation of Character : Your actions have caused significant harm to my reputation. By placing a judgment against me without proper verification, you have defamed my character. 
4. Violation of the Right to Privacy : Your actions have also violated my right to privacy. By collecting, disseminating, and advertising my personal information without my consent, you have infringed on my fundamental rights. 
XXXX. Suing Without Proper Dispute : Your firm has sued me without allowing me to properly dispute the alleged debt. This action is both unfair and a violation of my consumer rights. I have yet to receive notice of the lawsuit. I did receive a notice from another company to help me with this lawsuit that you all have against me. 
Furthermore, I wish to reiterate that I have never assumed the alleged debt. Any previous communication regarding this matter was solely to dispute the accuracy of the account and to assert my right to privacy. 
I would like to remind you that XXXX XXXX XXXX, XXXX. has a binding arbitration clause in its terms and conditions. This clause requires that any disputes between the bank and its customers be resolved through arbitration rather than litigation. As such, any legal action taken by your firm against me should be subject to this arbitration agreement. 
I demand that you cease and desist from all further communication regarding this matter. Additionally, I request that you remove any negative information related to this alleged debt from my credit report. 
If you fail to comply with this demand, I will be forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up payments in my XXXX app the same way I always do and for some reason it did not go through. It went through the previous 2 months and it was set up the same way. I had no idea it didnt go through until my boyfriend said XXXX keeps calling me and telling me my car payment is late but then they pull up my account and say its fine we arent sure why anyone is calling you. I never got any type of notification it was late and didnt know my payment didnt go through. Finally he asked a bunch of questions because he was frustrated they kept calling and realized they were calling for me. I looked at my paperwork from the dealership and they used his phone number and some of his other info on my application my mistake ( he also has a car loan with XXXX and applied to get a new car at the same time I did ). As soon as I realized what happened I called and made the payment. I told the representative what happened and she said shed put in a request to not report to the credit bureau because it was a mistake from the dealership and if Id have been notified it didnt go through or was late or received a reminder it would have been paid on time. This is more so a complaint for the car dealership for their error but I dont feel like I should be penalized for that. Id just like the 30 day late removed please. They did waive the late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, I am submitting this CFPB complaint, once again, to correct the accounts on my credit file. I demand the immediatecorrection of these accounts from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. The following accounts should be corrected right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX