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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov 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 which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/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: Mortgage

During my mortgage process, my lender ( Inspire Home Loans ) representative promised that the builder 's incentive is going to be {$10000.00} if I use builder 's affiliated lender ( Inspire Home Loans ). When I was in the process of shopping for the mortgage, Lenders representative ( XXXX XXXX ) sent me a side-by-side comparison which included {$10000.00} in builder 's credit. ( Supporting documents are attached ). I reconfirmed with XXXX that the contract that I signed showed {$5000.00} in builder 's credit but she reaffirmed that the builder 's credit has been increased to {$10000.00} to keep the buyers inhouse. I received my final closing disclosures on XX/XX/XXXX which included {$9200.00} in builder incentives and {$1000.00} in lender 's credits. However, lender changed those disclosures at the closing, and I was not informed about that. Lender reduced the builder 's credit to {$5000.00} and manipulated it by applying my real estate agent 's commission as a credit. We had multiples emails exchanged between lender, builder, title agency and realtor and it was confirmed by lender that we can not use realtor 's contribution as builder is contributing up to $ XXXX in incentives. 
Lender keeps denying this fraudulent activity and didn't initially replied to any of my emails and refused to issue the remaining credit of $ XXXX. 

I have attached a copy of disclosures that we signed before closing on XXXX 2022 as our final closing disclosures. Page 2 shows {$6800.00} & page 3 shows {$2300.00} for a total credit of {$9200.00} from the seller. 

These disclosures also show full commission of {$9800.00} on page 2.
Product: Mortgage

My mortgage loan was being serviced by XXXX XXXX XXXX for the past 5+ years. I filed bankruptcy under Chapter XXXX in XXXX of XXXX. I was not in arrears, and my plan indicated I was to pay my mortgage payment monthly outside of the plan. XXXX XXXX XXXX sent me monthly statements every single month, as well as quarterly escrow account reviews, so I could know when to pay, how much to pay, etc. My monthly statements showed by loan balance, my escrow balance, my payment breakdown, and an explanation of amount due. My loan was transferred to Bayview Loan Servicing in XXXX of XXXX. I have not received ANY correspondence from Bayview Loan Servicing other than the initial welcome letter. In other words, they refuse to send me my billing statements each month. They will not send me any information about my account unless I call every month to ask them to send my ledger. They claim they are prohibited from sending me monthly invoice statements. However, That can not be true if XXXX XXXX XXXX was sending invoices every month. How can I keep abreast of my finances if I am not receiving any information on the bills I am to pay? Chapter XXXX bankruptcy should not prohibit me from receiving information about my mortgage loan on a monthly basis. I am not aware of any law or provision in the bankruptcy code that prohibits mortgage companies from sending an invoice each month, especially in a Chapter XXXX where I am to continue to make regular monthly payments and have agreed to do so in my Chapter XXXX plan.
Product: Debt collection

In late XXXX, early XXXX I went to XXXX XXXX XXXX in XXXX CA for an XXXX. Shortly after I lost my job and was not able to pay my bill and the account went into collections until I was able to pay. To my knowledge, I had paid my account in full of {$330.00} to XXXX financial services, and never showed on my credit report. 

Within the past year I have noticed that OneAdvantage is showing on my XXXX report for currently {$130.00} and Firstsource Advantage for {$130.00} on my XXXX report. These accounts ' amount increases over time and sometimes they are different amounts. They both say the original creditor is XXXX XXXX XXXX XXXX and that the account has been opened since XXXX of XXXX. 

To the best of my knowledge, I have paid all of my debts to XXXX XXXX XXXX. Neither of these collection agencies have ever contacted me by mail, or by phone. The only credit agency that has contacted me was XXXX, and like I said before, I paid my collection account in full. 

When I check the websites for these collection agencies, they ask for an account number in which I do not have - before I can move on further.
Product: Debt collection

I was a victim of identity theft and I can not get it resolved. I have reached out to Contract Callers Inc and they are not able to assist me. they have placed a collection on my account and will not remove it even after I completed the fraud packet and proved to them that it was not my account and I was a victim of Identity theft.
Product: Vehicle loan or lease

On XX/XX/XXXX we traded in our used XXXX XXXX for a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX, CO. On the XX/XX/XXXX we had a family medical emergency and our son was flight for life to XXXX Hospital in XXXX , CO . Which we were there for three weeks. During this time I received a phone call from our XXXX XXXX saying that we were over 30 days late on the XXXX that we traded in back in XXXX. I immediately contacted XXXX XXXX XXXX and spoke with a guy in the Finance Department. He looked into it and saw that we had not owned or had the XXXX since the date of XX/XX/XXXX and that the paper work that they had done on our new loan with the XXXX was done incorrectly and because of that the new loan was not yet processed and the credit union was not paid off because of this paperwork that was not done. He told me that this was immediately going to be corrected and that day they were going to down cut a check to XXXX XXXX XXXX CO for the XXXX and told me that they would take paperwork to them to show that we had not had possession of this XXXX since the beginning of XXXX. This was the first week of XXXX and now being XX/XX/XXXX, we noticed from a report that our credit has taken a huge hit. So, after calling the XXXX XXXX XXXX CO I was informed that they had just paid off the XXXX on XX/XX/XXXX. I have, once again called XXXX XXXX XXXX to tell them my issue ( again ) and demanded that they give me a letter or proof that we did not own this vehicle as of XX/XX/XXXX and that this needs to be corrected IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters about things on my credit report that were unknown and not accurate at all. This was back on XX/XX/2021. Ive been waiting more than long enough for a response. I know for a fact that it is well over 60 days and I still havent heard from the bureaus. According to my recent research the rule is that if I dont get these inaccurate items on my credit report investigated within 30 days, they MUST be removed immediately. I totally understand that because of COVID 19, things may move a LITTLE slower. But with it now being well over 30 days past time ( 60 days total ) these unknown items MUST be removed so that I can continue on with my life. These accounts have honestly caused me stress and are much of an obstacle when trying to get my new home. I shouldnt have to be punished for the bureaus not doing their job. With my information being impacted by the Equifax Data breach, it could have possibly got into the hands of the wrong person. Either way, I am tired of dealing with this and it needs to be fixed ASAP. In fact, if these accounts are not removed immediately, it leaves me no other choice but to file litigation. I already gave each bureau my authorization to work through this process of removing this mess from my credit report, so fixing this shouldn't be a problem.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

{$22000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello I'm reaching back out to you all regarding a compliant I sent a little over a month ago about some accounts on my credit that are mine. Some of the accounts did come off but there are some still left and some inquires. Please have these accounts and inquiries removed from my credit XXXX XXXX XXXX XXXX XXXX The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I'm doing this on my own and need some help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i sent letters to the credit bureaus XXXX, XXXX, and Transunion. I waited 45 days and still no response from either bureau. on XX/XX/2020 i sent another letter for the credit bureaus to comply and answer my request and still i haven't received an answer. it is now XX/XX/2020  and i still haven't received a response from the credit bureaus. This is clearly a violation of my rights According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Product: Checking or savings account

i dont know wats going on but my account was fraudulently tampered with and due to this activity it caused my account to be closed
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ). Specifically in Cash App fail to take timely and protective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. For the more their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under The electronic funds transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss I am seeking appropriate redress for these violations to my account.
Product: Debt collection

I have something on my Credit reports with different names but on my XXXX it shows up as XXXX  and Jefferson Capital Systems LLC as the creditor in the report. Ive called the company and they said they didnt have any debt or information on me. My name and birthdate and social. They were actually asking me who the debt is for and how much. I told them I dont know because this is hurting my credit report and I want it removed since I wasnt provided any information when I called. They were talking to me like I was XXXX  with no answers and had me on hold for like 15 min several times
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to follow up on my complaint against Experian regarding their inadequate handling of my identity theft claims. Despite providing extensive documentation, including the FTC Identity Theft Report, Experian has failed to acknowledge this evidence, resulting in ongoing inaccuracies on my credit report and significant emotional distress during a difficult period in my life. 

Key Issues : 1. Failure to Acknowledge Submitted Documentation : I have uploaded the FTC Identity Theft Report multiple times as proof of my identity. This report is a sworn statement and meets the requirements under the Fair Credit Reporting Act ( FCRA ) for blocking information related to identity theft. Experian has dismissed this report as an online document, failing to recognize its validity and importance in addressing my claims.

2. Legal Obligations Under the FCRA : The assertion that a police report is necessary for validating my claims is incorrect. The FTC report does not require additional validation through a law enforcement agency, and insisting on such documentation places an undue burden on me. Filing false information with law enforcement can result in criminal penalties ; however, I have complied with the law by submitting the FTC report. The law clearly supersedes any internal policies set by Experian. 



3. Harassment and Emotional Distress : The ongoing demands for documentation that I have already submitted constitute harassment. I am unwilling to send multiple copies of the same records when Experian has not acknowledged their receipt or processing. This situation has caused me significant emotional distress, particularly given my ongoing health challenges.
Product: Credit card or prepaid card

My father-in-law, XXXX XXXX XXXX passed away XXXX XX/XX/2022. 

My husband, XXXX XXXX XXXX, executor of the XXXX XXXX is trying to close XXXX XXXX XXXX 's XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX but to no avail. XXXX XXXX XXXX went personally to Chase Bank located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX and met with XXXX XXXX, client privilege account manager. My husband brought/ showed all the necessary documents to close the account. XXXX XXXX advised my husband to call the customer service instead. 

For the past XXXX weeks now, my husband has been calling the customer service and had spoken to several customer service representatives but nobody could help him. I do not understand why this is so complicated when in fact, he's just trying to close an account of a person who had passed away. He never have a problem with any credit card companies and yet with Chase, it is impossible! 

I already sent an email to XXXX XXXX XXXX, CEO regarding this matter. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to investigate and correct the following inaccurate items from my credit report issued by credit reporting agencies. The items must be removed to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As Required by the act i demand you re-verify these items and validate these are my debts and that the inaccurate items will be deleted from my credit report. The attached documents from my credit report prove inaccuracies with payment dates and payment history on closed accounts that are also showing up as a collection account on my profile. Can these accounts please be validated so i can fully understand these tradelines. 

XXXX XXXX XXXXXXXX XXXX {$6100.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$9800.00} opened XX/XX/XXXX XXXX  XXXX  XXXX XXXX {$1600.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$6100.00} opened XX/XX/XXXX XXXX & XXXX XXXX {$470.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$10.00} opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After several attempts to delete this in accurate information, this consumer reporting agency has told me that this account has been verified. I have never acknowledged, or accepted this account as my own, because it is not mine. I have never done business with this collection company and their misrepresentation and furnishing of misinformation has caused me, the loss of jobs/job opportunities, public embarrassment, and overall displeasure in my life The account information is as follows. 

Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$430.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX account. {$430.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX. 
Type Debt Buyer Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$430.00} High balance Not reported Monthly payment Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees. 
Reinvestigation information This item was updated from our processing of This collection account by XXXX XXXX XXXX represents an alleged debt of {$430.00}. This alleged debt has never been proven to be mine. I have certified mailed this debt collecting company several times, requesting an original contract, proof of business debt validation, and I have requested to see The purchasing agreement that will give this company authorization to attempt to collect on this alleged debt I have never received this. 


My complaint is that this consumer reporting agency ( XXXX XXXX, Trans Union, ) that continuously tells me that this account is verified, has never provided me with proof of verification, which is my right under title 15 U.S. Code 1692g - Validation of debts. 


This reporting agency has told me that they have verified this debt. I am requesting that they show me proof of how they verify this debt. What steps were taken? what documents were reviewed? what information was presented to this consumer reporting agency for them? Legally it is my right to know the process in which these accounts that reflect my consumer reports are validated
Product: Checking or savings account

On XXXX XXXX, I attempted to withdraw settled cash from sold securities. I was given the error message that informed me I could only withdraw to an account the funds were deposited from. The funds were deposited from the account I was attempting to withdraw to. 

Contacted customer support the same day was told to wait till the XXXX to ensure settlement of funds. 

XXXX failed for same reason on the XXXX. Contacted Robinhood support, was told they needed to verify my identity and bank statement. Did both. Was told this would be resolved and they could transfer funds on my behalf since I was getting errors. Support chat was disconnected. Spent hours on hold on the phone to be told that it is under review from previous support and I will be contacted by RH if they need anything but should sort out. 

Either XXXX XXXX or XXXX XXXX, I noticed my account is completely restricted now. Contacted RH many times to speak to a human. Was asked to verify documents again and was told I would be contacted within a day, again. Now that account is restricted, Robinhoods chat support is disabled. Without chat support. It takes hours and hours to get a callback, if I get one at all. After many waitings for callbacks and ignored emails, and being told the same thing or nothing at all. Ive been left to check in daily on the app to see the you will be contacted by XXXX XXXX XXXX XXXX being the date ), increase by one day every time it is the next day that I check. 

Its been over a week now and they refuse to provide a single answer or explanation for any of this.
Product: Mortgage

This is one of many reports filed in regards to both our personal properties and my commercial property. Due to state retaliation beginning in 2014 my I have been unable to meet all of my financial obligations. I testified for a client, which led to the state of georgia loosing the case. EVERY HOME and COMMERCIAL PROPERTY own by myself and or my spouse is involved in Mortgage Fraud and also appeared embezzlement which was not facilitated by us. We have other UNKNOWN individuals uploaded under our names in the state system. WE ARE SICK OF THIS XXXX! We have secured both attorneys and media coverage and will take all necessary action to hold ALL PERSONS ACCOUNTABLE REGARDLESS of their positions. We already know this is a set up. Our credit is suffering. The property in question is XXXX XXXX XXXX XXXX, XXXX Georgia XXXX. THIS IS A FEDERAL OFFENSE AND WE WILL ENSURE ALL INVLOVED ARE HELD ACCOUNTABLE. The ground work has been completed. To top it off the modification company we hired to complete our modifications were informed of our findings and they appear to only be concerned regarding their payments and is obviously covering for the mortgage companies. We were denied our modifications for : Paying too much, 1 day late AFTER WE HAVE SIGNED THE MODIFICATION AGREEMENT and also Making ONLY # TRAIL PAYMENTS which were the qualifications, but the modifications was reversed because now their is 4 trail payments due. We have other individuals information on our Credit Bureau. These are NOT EVEN OUR LOANS!! Chase was sold a loan which was never valid as we never signed any contractual agreement. If they are signed out names were forged, as we never received any signed copies. This pertains to our additional personal properties as well. 


Chase Mortgage is the company involved with this property!
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> XXXX XX/XX/year> CAPITAL XXXX XX/XX/year> XXXX XX/XX/year> RESIDENT VERIFY XX/XX/year>