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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX Balance : {$450.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$2400.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$720.00}, XXXX XXXX XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXX XXXX Balance : {$550.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$450.00}, 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 XXXX XXXX XXXX XXXX XXXX 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. 

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: Credit reporting, credit repair services, or other personal consumer reports

Early XXXX I contacted the company in regards to XXXX bankruptcy that is on my report and asked about the method of verification also for proof of verification. I was never sent this information on letters stating that they verified it, but don't state how nor was any proof given. I was only told that it was verified through XXXX XXXX also that they purchased my info from them. They also advised me that they received this through third party public information. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means I did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. Also be aware that NO COURT IN AMERICA VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5500.00} ( Original Creditor : ) XXXX XXXX XXXX {$80.00} XXXX Original Creditor : ) XXXX : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX Balance XXXX {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexus Financial and XXXX  have refused to correct the late payment that was a direct result of Lexus Financial 's auto-payment system. My new car lease ( which is my 3rd with Lexus with zero previous issues ) was first manually paid, then set for auto-pay. Their auto-pay defaulted to a LATE payment. I paid in full, Lexus REMOVED the late payment fee acknowledging their mistake, but refused to correct the late payment with credit reports. I was travelling in XXXX, auto-pay was set up, and they refused to correct the late payment. Both XXXX  and Lexus should be working quickly to resolve this but failed to make a correction which drastically affected my credit. This is the ONLY late payment on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to you guys several times about items being reported to my credit that aren't mine. Over the course of several months, I've seen things come off, but I've also seen new things reappear. I am looking at my credit report now and there are several new things that are here that are absolutely not mine and I'd like them removed immediately. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX  XXXX XXXX.
Product: Mortgage

BMO Mortgage account Wanted to cancel my escrow account to lower my monthly payment from last 2 months.

I checked with my loan officer that it can be done. Loan officer verified it.

It has been 2+ months since i made this request but no action has been taken by BMO. I would like top request you to please ask BMO to cancel my escrow and refund my escrow deposit as soon as possible. As it has
been already ~3 months.

This is worst customer experience so far. As they are not giving my money back.
Product: Mortgage

tried getting a refi for my home with royal united mort. Was told being XXXX XXXX may make it harder to qualify for. but should be done in 4-6 weeks. sent all info in as requested for a 3 month period. then 2 month into app, they want another months of finance statements. So sent them in. This is now 3 monthes they already have my tax returns for proof of income from previous years. then they want another mnths statements showing income.well i had not finished any work to show deposits [ income ] they said they HAD to have some. and this is when I was TOLD denied, still waiting on the letter and have texted them several times and still nothing this was 3 weeks ago.
Product: Student loan

I have called Mohela multiple times with being on the phone waiting for hours and no one has ever picked up the phone. I received one time an email that a supervisor will call me back. Months later still waiting. Since transferring from XXXX to Mohela. I have calledover XXXX times and waited on hold for hours. This servicer is awful as a Borrower I have questions regarding Pslf Idr etc. The only way to contact them is through email and the responses do not answer your question please help
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that reversing lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Im requesting that all fraud alerts be removed from my consumer reports, as of today please remove all fraud alerts from all consumer reporting agencies. And notify all furnishers.
Product: Credit reporting or other personal consumer reports

I have been going back and forth with this company for almost a year with disputing information that was not mine. I have provided so much info for them and they keep telling me it has to stay on my credit report. It's messing up my future. 

Here is a list of the accounts I have disputed multiple times. 

XXXX  XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXX
Product: Debt collection

Today at  XXXX  I recieved a phone call from a courier service looking to serve me with documents. When I inquired about these documents they gave me a phone number and a reference number as I did not recognize the company they were delivering the documents for. They have claimed to have attempted to deliver these so-called documents to three different addresses I have lived at, one which I currently reside in and no such company has ever rang our bell.
I called the number and spoke with a man. I gave him the reference number and he proceeded to confirm my identity and said that I was being sued by US Bank for an amount that would eventually total {$4200.00} from an old checking account that had been overdrafted and was never paid off.
It was  XXXX  when this happened and my father and I had gone into the bank to resolve the matter. It had been a bank error in which they had applied numerous overdraft fees all at once due to an error in their computer. The teller confirmed this over the phone with a corporate person, as it had happened to another customer. She then removed all of the fees with this exception of a few, my father and I paid what was owed, and the account was closed.
The man on the phone from the debt collector said I committed a federal crime. That is against the law for them to say that to me. He then proceeded to harass me about my credit score that he has supossedly looked up and then was harassing me about a student loan I am paying off. He continued to badger me and said that I better get an attorney or I would end up in a federal prison. I am scared that this might actually be legit but I do not think it is and I am worried that they are trying to scam me. I am  XXXX  and on a low-income. This matter is also considered to be past the statue of limitations here in ohio as the account was from  XXXX  and it is now  XXXX .
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$1100.00}, XXXX - CARD SERVICE XXXX Date opened XX/XX/XXXX Balance {$38.00}, and XXXX XXXX BANK, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I am unable to provide all of the documents because they were altered and hidden. This was not where I lived where it was forwarded to after an incident. False claims information was used and apparently taxes were taken out and XXXX XXXX XXXX so as found this is the last document of unknown and known people some mail forwarded to XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX and this was forwarded leaving me with nothing closing my post office box on auto pay likely with id or some other means I dont believe it was the actual post office. Went in and told they had to give it to someone else. Again likely not the post office but I know that it is also illegal to use bank information or deduct for likely tax purposes so left with little. This is not meant as a complaint but info needed. Parents were not at the residence at the time it was forwarded my father was undergoing XXXX XXXX. So it was someone on their behalf unknown does not mean it changes anything or anyone but someone had to go in do this and after covered the evidence. So could be anyone may have been after returning by anyone. But sent to both parties forwarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are fraudulently and falsely reporting HOW ARE YOU FALSELY & INACCURATELY REPORTING MONTHLY LATE PAYMENTS TO CREDIT BUREAUS/AGENCIES ON A VEHICLE/PROPERTY YOU HAVE IN YOUR POSSESSION? The account you are reporting on has been IDENTIFIED as a VOLUNTARY REPOSSESSION or ILLEGAL EVICTION & NO MONTHLY PAYMENT ACCOUNT SHOULD APPEAR or EXIST after a the vehicle/apartment was repossessed/vacated I have a right to factual reporting on my credit profile You have falsely reported 99+ late payments since XX/XX/2017 the vehicle/property was sold/rented and was covered by gap insurance or renters insurance or homeowners insurance or my security deposit you have refused to show proof of CHECKS or/and MONEYS received from GAP INSURANCE/Renters Insurance Homeowners Insurance/ Security Deposit COVERAGE. Since the vehicle or apartment is no longer in my possession or occupied by me it is impossible for me to DEFAULT or INCURE LATE PAYMENTS after the fact I have a right to have an accurate and FACTUAL CREDIT FILE & DISCREPANCIES like this are UNACCEPTABLE and VIOLATE MY CONSUMER RIGHTS. So please immediately remove this account and its entirety from all my credit files/reports
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started after I got my purse stolen in 2021. Someone has been applying for credit and opening accounts in my name ever sine. I filed a Police report and a FTC report. Hopefully ya 'll can help me as well.
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

After reviewing my consumer credit report I noticed several unauthorized accounts.
Product: Money transfer, virtual currency, or money service

my names XXXX XXXX XXXX. i noticed in XX/XX/XXXX that my paypal account was limited they asked me to submit a bank statement which they confirmed they accepted as well as a photo id of a drivers license, they said it the id i sent and the name on the paypal account didnt match which i found weird i thought maybe i had sent in the wrong id since i also have my daughter 's ID on my phone. a day after paypal permanently limited my paypal account due to inconsistency with user agreement, i had a balance of XXXX on my account which thy have been not allowing me to withdraw since the end of XXXX. i have contacted paypal on the phone they and got different answers from different people i spoke to so i was unsure what was going on they referred me to to a new method of submitting the proof of ID, this time i made sure i sent the right one however they still denied my appeal ( XX/XX/XXXX ) and refused to remove the limitation i have contacted them almost everyday and none of them still have been able to help me, they want to hold my money for 180 days before the funds are released to me and there is even a chance the money will be kept by the them, i find this to be very unfair practices and would like this matter resolved. paypal reference : XXXX paypal email : XXXX XXXX
Product: Credit card

I applied for a Citibank credit card online and was declined. I received a letter stating I already had a card and gave a number to call them. I called the phone number, explained I did NOT have a card, explained that I have and live with my XXXX brother where all of our information is identical except consecutive social security numbers. He does have a card, and it was my idea that perhaps Citibank was getting the information crossed, that he has a card and Citibank was thinking it was me, they directed the call to the fraud department apparently they have more authority to look on the " back end '' of the application process, whatever that means. The fraud department advised that was most likely the issue that the " system '' was thinking my brother and I were the same " input '' on the application system. They advised to try to submit another application and try again, etc, and this process was repeated two more times. The man at the fraud department advised to use a different address for another inquiry so I also tried that and then had that business address show up on the credit report as well. XXXX inquiries are appearing on my credit report now, which is lowering my score. I have a XXXX fico and that 's not the issue, the Citibank system keeps saying a have a card, as explained earlier. I have since this mess tried to dispute the inquiries on my credit report with the credit bureaus, since I should not have them stand due to the mix up and inability of the Citibank system to distinguish there are XXXX different people ( by the way my brother also has XXXX fico ). The credit bureaus state that the creditor is verifying as valid, and this is NOT CORRECT and they need to be removed from my report, so please help. It 's not right to have them stay on the credit report as there is some type of glitch at Citibank, and I was advised to keep trying, and since there is no possibility of getting a card and at this point I do n't want one after this fiasco, there should not be any damage to myself on this behalf. I just want to be very clear that my brother is not involved in this in any way, just to explain of the issue of consecutive social security numbers with same last names and same birthdays and same addresses, etc, you see the problem. The dates of the inquiries are XXXX XXXX, XXXX, and XXXX XXXX, XXXX and XXXX XXXX, XXXX. Thank you.
Product: Mortgage

I originated this loan with Green Tree XXXX in XXXX with my first payment XX/XX/XXXX. Its governance has since moved to Ditech XXXX. I wonder if this was a bad loan at the time with, perhaps, fraudulent intent. We have been paying off the {$52000.00} loan for 13 years now and have only paid it off to {$42000.00} which is {$10000.00}. This hardly seems correct. I have asked DiTech if we can lower our interest rate, but they say they do not have any programs to do so. My husband has incurable XXXX ( XXXX XXXX ) from his time stationed in the XXXX at XXXX XXXX, so there must be a program to help pay this off faster than it is going now. It does not make sense that we will end up paying double the amount we applied for. I am always wary of paying more on my monthly bill with the practices I see at DiTech. I don't trust they will apply the funds correctly to our benefit. 

I've attached the most recent payment history and looked at the payoff quote compared to last year 's payoff quote. 

XX/XX/XXXX payoff is {$43000.00} XX/XX/XXXX payoff is XXXX Again, how is this possible? 

As I said, I am not sure what is wrong, but after hearing how GreenTree and DiTech have been accused of fraudulent loan practices, I would like to find out how to discharge this loan by applying the payments we have already paid and canceling this loan legally. Again, I do not want to enter into bankruptcy, but somehow institute new rules in order to get this loan paid. 

Thank you in advance. Files are attached. 

Best, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Re : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TXXXXX Dear Sir or Madam ; I disputed the referenced account above on ( XX/XX/XXXX ) .The credit report of ( XX/XX/XXXX ) and your report # shows results these items was deleted from the credit file.Now I notice these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA? 611, Procedure in case of disputed accuracy [ 15 U.S.C.? 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 
I received no such notification.This is a serious violation of the FCRA, and I reserve the right to pursue further action.Your agency may avoid such action by immediately deleting this listing from my credit report. 
Thank you XXXX Please see enclosed letter from XXXX through XXXX XXXX and other agreements made between XXXX and myself not being responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.