23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have paid, on-time and by means of EFT, to our mortgage company PHH for the last 5 years. Previously I had requested statements and to no avail was never given one. Just recently, while going through a refinance with another lender, I had gone online to see my statement and send to the new lender. It was not there. I called PHH on XX/XX/20 to voice my concern, again, regarding the lack of statement on my account. I am supposed to receive statements by mail and have never received them. PHH then told me that a statement has never generated on my account so they had to escalate to an Escalations Manager. His employee ID is XXXX. We spoke and he assured me a call back in 24 hours. That did not happen. I just returned his call today, XXXX after missing him. I dialed his stated extension of XXXX and it said that the extension was not known. I waited for a customer service representative. At which time the gentlemen was very rude, asking why I would want 5 years of statements. I ended the call. At the end of all of this, their resolve was to send me this past months statement. I find this severely unsettling that in FIVE years they can not generate or procure something TANGIBLE for my records. The CSR kept saying " your payment history is online ''. This is a direct violation of XXXX Periodic statements for residential mortgage loans. Section C explains : " ... The servicer must make the disclosures required by this section clearly and conspicuously in writing, or electronically if the consumer agrees, and in a form that the consumer may keep. '' This has never happened - not once in 5 years. The lack of customer care and the complete disregard for federal law was truly angering. I hope that my payments have been properly allocated in this time. I am not even able to see my account number! If it weren't for my home insurance, I would have never known what our loan number was. I can't wait to refinance and never work with them again. Please look into the matter and ensure that other consumers are not going through the same headache.
Product: Credit card

I have an issue with capital one. Capital one is still processing my application. They are doing so because they say they can not reach me to verify my information due to the fraud alert that I have on my report. I left a voicemail with the fraud department. I also called and spoke with a rep that kept me on hold for a half hour and then hung up on me. All I want is my application processed. They could have contacted me on the number that was on the application. I have had the same number for 3 years. The lack of communication is ridiculous. Not to mention that they have sensitive information that they are sitting on.
Product: Credit reporting or other personal consumer reports

This is my second 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am reaching out to formally report and seek resolution on fraudulent activities that have adversely affected my credit report. Upon discovery, I conducted thorough research on remediation steps and understood that filing an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov is crucial. As stipulated by the Fair Credit Reporting Act ( FCRA ), Section XXXX, XXXX XXXX XXXX ( CRAs ) must remove any fraudulent entries documented in an identity theft report. My report 's reference number is XXXX. Enclosed, please find the necessary documents aimed at facilitating the removal of inaccuracies, specifically erroneous personal information and inquiries falsely associated with my credit report. Below is a detailed list of these unauthorized items, categorized by credit bureau : XXXX : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX =======EQUIFAX : XXXX XXXX PL XXXX, MI XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX. In accordance with FCRA XXXX XXXX ( a ), I request the immediate removal of these items, as they are the result of identity theft. This request is made within the rights provided by federal law, expecting action no later than XXXX business days from the date of this notice.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft, and fraudulent accounts have been opened in my name without my consent. Pursuant to 15 USC 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to XXXX XXXX ( XXXX U.S.C. XXXX ) that the Experian, XXXX and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of suspected identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts on my credit reports that need to be deleted immediately. 
EXPERIAN : XXXX XXXX XXXX  : XXXX OPENED XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXX SXXXX XXXX XXXX XXXX  ACCOUNT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXXE ACCOUNT # XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX  ACCOUNT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX OPENED XX/XX/XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONSUMERINFO.COM XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL XXXX CAPITAL XXXX XXXX XXXX via XXXX - LENDING TREE QUINSTREET XXXX XXXX UPGRADE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX INTERACTIVE OPORTUN INCPROGRESO FIN RELIANT ENERGY XXXX XXXX RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX XXXX : XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit reports. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I just turned XXXX on XX/XX/XXXX and I was able to check my credit score for the first time and I see that there were collections on my credit that I never knew of I dont know where they came from and I also got robbed and my personal information was stolen including my state ID and my Social Security card
Product: Consumer Loan

I filed for bankruptcy and the debt was discharged in bankruptcy ; yet the company continues to call me multiple times a day. I have asked the company to stop calling me and have informed the company that the debt was discharged in bankruptcy but the company continues to call me. This is a consumer debt and not a student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is reporting an inaccurate account on my credit report. I sent them a notarized certified letter on XX/XX/22 at XXXX letting them know that they are re

porting inaccurate information on my credit report. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. They are reporting the account as a Collection/Chargeoff it can't be both. its either a collection or charge off. if its a charge off i never received my 1099c for this account. The IRS clearly defines a charg
e off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reportin

g of this account inaccurate! By Definition the IRS Clearly says a Cancelled or Charge Off is income. The reporting of this account as a debt is in accurate. 15USC 1681 s-2 says Capital One company are a furnisher of information to consumer reporting age ncy. Capital one is PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 U.S code 1681 s-2 ( a ) ( 1 ) ( A
) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The lender must fi

le form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial, credit union , federal government agency, or other applicable entity as discussed in chapter 1 The above paragraph is taken directly from the IRS publication . 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibitio
n ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the ad

dress specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that are reporting Inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is clear violation of the law 15 US code 1681 s-2 of your re sponsibilities as furnisher of information. CAPITAL ONE SENT ME THIS LETTER BACK SAYING ITS THE CREDIT AGENCIES ARE REPORTING THIS ACCOUNT. NOT TRUE IT'S CAPITAL ONE TELL THEM TO REPORT THIS INACCURATE ACCOUNT TO MY CREDIT REPORT
.
Product: Credit reporting

TransUnion Credit reporting agency has defamed my name and credit by posting unofficial residential addresses and 14 year old addresses on my credit report. I have asked TransUnion to remove those addresses and its response was to further denigrate my credit history. As a result of TransUnion 's failure to represent my personal information, I 've had lost out on job bids, had to get a cosigner to rent apartments and become XXXX with other XXXX thoughts. I 'm seeking financial reward in this matter. This is a discriminatory personal intention to ruin me financially with false reports. Inaccurate reports with data over ten years old.
Product: Prepaid card

I have been using Cash App for quite some time now every time I want to dispute a item or problem with my card being unauthorized, I could never get in contact with customer support or any live agent to resolve any of my issues or concerns with my Cash App account when attempts are being made. 
Ive requested several times for a replacement card due to unauthorized activities and have failed yet to respond
Product: Debt collection

I have also filed a complaint with the XXXX Attorney Generals Office about this collection account. On XXXX/XXXX/2015 I received a collection notice from Allied International Collection Corp which cited XXXX as the original creditor claiming that I owed {$410.00}. I have never had an account with XXXX which is why I know the account is not mine. 
The debt collection agency provided no supporting documentation, no explanation of why they believe the account is mine, no explanation as to what the balance their claiming was for or how it was derived, plus I fail to understand how anyone could possibly owed {$410.00} to XXXX given a XXXX search said they were an online auction company, so I would assume if you ever did purchase anything at an auction payment would be due at the time of sale. 
This is either mistaken identity, fraud or illegal collection activities, but I know for certain that I do n't owed {$410.00} to XXXX, it 's just not possible.
Product: Mortgage

AmeriHome Mortgage Co. 
PMI Department XXXX  XXXX XXXX XXXX, NJ XXXX Fax : ( XXXX ) XXXX, XXXX has fraudulently charged and deducted from my Bank Account {$62.00} each towards PMI  even after reaching Loan-to-Value 80 % in XXXX, XXXX and XX/XX/2021. Refusing to refund such fraudulent deductions made. Request your intervention to facilitate refund of such fraudulently deducted PMI. Attached is the thread of emails exchanged between their PMI Department, which are self-explanatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for loan with  XXXX  and was denied due to the following reason : Unable to verify personal information or identity.   
The credit reporting agency is LexisNexis Risk Solution Bureau Consumer Inquiry D  epartment  XXXX .  XXXX   XXXX   XXXX , GA  XXXX  Toll free number  XXXX  I have never heard of this agency and can not get my report because they can not verify my identity. I do n't know where they get their information from but how do I get this corrected? I ca n't verify it is me according to them to fix the information that I am denied for. When I enter my ss to request report the recording tells me it is incorrect.
Product: Checking or savings account

My account was hacked and I disputed transactions. They told me it would be XXXX hours on XX/XX/XXXX. They froze my account that day as well. I was credited the money back onto my account but my account is still frozen. I have called every day since the time they told me and they keep giving me the run around. I had explained to them that I was moving out of state and that I have XXXX children and this money is all I have until I start my new job. They just keep telling me that I have to continue to wait even though its been a week and 2 days and I actually had XXXX guy hang up on me.
Product: Student loan

I " was '' attending XXXX. They recently dropped me from the classes implying I was n't showing up for class. I explained to the dean way before classes started, that I could n't go due the my personal issues, so I would like to take online classes. The School moved in XXXX XXXX 2015 from a half hour from my home to XXXX hour from my home. Giving all students 4 days notice of the school moving. my classes would not show online then they accused me of not going to class at all. I sent several emails asking for my transcripts and a policy but I have never received the policy on drooping students. I never received my transcripts be cause they told me a month later I owe a balance which was not brought to my attention until I wanted to retrieve the documents. I was told I would graduate and earn a good paying job but no one wanted to even look at my resume when I explained I am in XXXX School. Not even for an XXXX. I am embarrassed and broke ( debt wise ) I returning to a XXXX college to receive the recognition I need to proceed in life. I had made some mistakes in life not knowing what career field to get into but I certainly made a big mistake when I went back to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld is illegally reaging a debt and violating my rights under the FCRA and the FDCPA. Transworld is reporting the original date of delinquency is XX/XX/2020 which is a lie. If the original date of delinquency was XX/XX/2020 they would be able to provide a bill from XXXX verifying that I had insurance with them during 2020. They have not been able to provide any paperwork from XXXX showing this date. Nor can they provide any signed contracts between myself and XXXX. Transworld is lying. They can not provide any signed contract showing I had a account with XXXX in 2020 nor can they prove that the date of delinquency is XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has only caused headaches. I have a history of contesting a public record entry, and I am fully supported by the evidence. Every time I submit this company a disagreement, I get a holding letter requesting identification to prove that the claim is actually coming from me. Every single letter I have written to this bureau has been accompanied by many certified letters and countless forms of identification. I recently received another STALL mail from this company asking for additional identification just a few days ago. I am currently frustrated and utterly fed up. This will be my final attempt before filing a complaint with the attorney general and filing a suit for forcing incorrect information upon my credit report.
Product: Checking or savings account

On XX/XX/XXXX, Key Bank closed my XXXX account without notification. I had used the XXXX service since 2016, while the service was still part of the XXXX company. It is a service I have used for the past 4 years. 

XXXX is a financial service that allows users to aggregate their financial data ( e.g., credit cards, checking account, savings, debts ) to view a common, holistic picture of their finances. While the service does not allow for the manipulation of individual accounts ( payments, withdrawals, etc. ), it does aggregate highly sensitive personal financial data ( including account balances, financial relationships, user logins, and user passwords ). 

I am deeply troubled and concerned by the sudden loss of access to my account. On XX/XX/XXXX, I emailed the support, and received notification of my account closing. This news surprised me as I did not receive warning prior that my account access would be ending, and because I have shared highly sensitive information to this service. Without formal notification of my account closing, I am left in the dark how Key Bank may use and manipulate my data ( and potentially the thousands of other users ) without consent. 

I request that the CFPB investigate this matter with expediency, and ensure that the consumer 's of Key Bank 's XXXX service are protected against fraud and personal information data leaks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX Re : Victim of Identity Theft - Formal Dispute To Whom It May Concern, I am writing to formally dispute certain items on my credit report that are a result of identity theft. This communication is not sent in error, and I am not making a material misrepresentation regarding the following accounts : Inaccurate Names ( Please delete immediately and use correct information from my Drivers License Provided ONLY ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNKOWN ADDRESSES : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX These accounts were opened without my authorization, and XXXX have no knowledge or association with them. I request that this erroneous information be promptly removed from my credit file in accordance with 15 U.S. Code 1681c2 and the provisions of the Fair Credit Reporting Act ( FCRA ) Section 609. Please expedite this process and ensure the removal is completed no later than four days from the receipt of this letter.

Enclosed with this correspondence are documents verifying my identity and an affidavit detailing the truth of the identity theft. Please find the following enclosures : Proof of Identity Affidavit of Truth/Identity Theft Report I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX