23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Birthdate : XX/XX/XXXX I am filing this complaint with the CFPB to request, under FCRA 605B ( 15 U.S.C 1681c-2 ), that Equifax, XXXX and XXXX block the following fraudulent accounts and inquiries resulting from identity theft within 4 business days of receiving this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have led to numerous hard inquiries and fraudulent collections appearing on my FICO credit report. I have attached a list of these inquiries and a copy of my credit report from XXXX that highlights the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries listed, as they were not initiated by me and are a direct result of identity theft. 

I have also included a copy of FTC identity theft complaint number XXXX as evidence that all mentioned accounts are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing some extensive research on my rights as a consumer, it is to my understanding that you are in violation of the FAIR CREDIT REPORTING ACT on both these accounts. You have violated my rights! 

15 U.S.C 1681 section 602 A. States that I have the right to Privacy.

15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting Agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I am demanding this account be updated asap to PAID AS AGREED NEVER LATE ( PAANL ).
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXXXXXX {$770.00} Date Opened XX/XX/XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX date opened XX/XX/XXXX {$720.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX date opened XX/XX/XXXX {$18000.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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 is my attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus with the CFPB. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I NEED HELP PAYING A XXXX DOLLAR BACK MORTGAGE PAYMENT I CANT LOSE MY HOUSE DUE TOO ME BEING SICK AND LAYED OFF OF WORK I HAVE BEEN SENDING IN AS MUCH MONEY AS I CAN BUT I STILL NEED HELP I HAVE A XXXX XXXX XXXX CHILD WHO LIVES WITH ME AND A XXXX  GRANDMOTHER WE NEED OUR HOUSE MY ADDRESS IS XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX IS FLAGSTAR BANK
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report, i noticed a few accounts listed that I've never been associated with. I don't know who these companies are that are reporting nor have i EVER given anyone my personal information. Here are the accounts : XXXX XXXX- {$7900.00} balance, posted on XX/XX/XXXX Acct # : XXXXXXXX XXXX XXXX XXXX- {$21000.00} balance, posted on XX/XX/XXXX Acct # : XXXX XXXX XXXXXXXX {$22000.00} balance, posted on XX/XX/XXXX Acct # : XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 States In accordance with the Fair Credit Reporting act, The list of accounts has violated my federally consumer rights to privacy and confidentally. 15 UCS 1681 section 604 section 2 also states a consumer reporting agency can not furnish any account without my written concent. I never gave them any. 15 USC 1681 section 602a states I have the rights to privacy. Remove these accounts immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Bank of America non receptive to my complaint and does not refund my money.

On XX/XX/2018, using the Bank of America website, I made a request to transfer money from XXXX  XXXX to my Bank of America checking account in the amount of {$800.00}. It was for a 1 business day transfer. It's now XX/XX/XXXX and the amount of {$800.00} still has not reflected in my BOA account. The amount of {$800.00} was debited from XXXX on XX/XX/2018. 

I tried contacting Bank of America and spoke to about 15 associates and my problem is still not resolved. My issue was escalated to Bank of America executive customer service. I spoke to XXXX who stated I should receive my {$800.00} back to my XXXX XXXX account today ( XX/XX/2018 ). The money is still not in my account. Everyone just transfers me to another associate or states that the money will reflect in my account within 1 business day. It's been 14 days and no one knows what is going on. The Bank of America confirmation number for the transfer is XXXX. The executive customer number I was given is : ( XXXX ) XXXX. Case # given is XXXX.
Product: Mortgage

My initial closing was on XX/XX/XXXX and the original loan amount was {$670.00} XXXX Between that time and before loan was sold to XXXX XXXX, I made the following transactions to Ameris : We began servicing your loan on XX/XX/XXXX, as due for the XX/XX/XXXX payment. During our servicing, we received and applied the following payments : *Date : * *Amount : * *Description : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In spite of this, the loan was sold to XXXX, the revoked many of my principal payments to create a {$20000.00} suspense account and my principal upon sale to Ameris was supposed to be {$620000.00} In spite of this, upon sale several weeks ago. XXXX made my principal amount {$670.00} XXXX I spite of me repeatedly contacting both Ameris Bank and XXXX multiple times over the past few weeks, this issue remains unresolved. I recently spoke to XXXX yesterday, and they said Ameris still has not sent over any of my info regarding my principal payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment showing on all three credit bureaus Amex/CBNA acct. XXXX XXXX XXXX XXXX  XXXX Macys/CBNA XXXX XXXX XXXX Retail acct. # XXXX In violation of 15 usc1681 section 602 I have the right to privacy 15usc1681 section 2-It also states a consumer furnish an account without my written instructions 15 usc1666b A creditor may not treat a payment on a credit card and open-end consumer credit plan late for any purpose
Product: Debt collection

The debt in question ahs been on my credit profile for a few years and I have sent multiple letters to the credit bureaus as well as the debt reporting company for removal. Starting in early XXXX I reached out the company requesting proof of debt, and even as recent as XX/XX/XXXX asking for proof of debt and none was sent. However, not only is the bad debt reporting on my credit, it is reporting twice as a duplicate, which is further impacting my credit score. As per the FCRA laws I am entitled to a accurate report of the supposed debt showing the initial contract and even entitled to up to {$1000.00} in damages.
Product: Debt collection

Continued attempts to collect a debt that is not mine. Continued reporting to all XXXX credit bureaus of a debt that is not mine
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 confidentiality under 15 U.S.C 1681. 

1. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT ED/XXXX Account # : XXXX XXXX. Account Name : DPT/EDXXXX Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX Account XXXX : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX XXXX. Account Name : DPT ED/XXXX Account # : XXXX XXXX. Account Name : DPT ED/XXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX. Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX These accounts have violated my rights as follows : - 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

- 15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

- 15 U.S.C 1681 c. Section ( a ) ( 5 ) States that no consumer reposting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

- 15 U.S.C 1681-2 ( A ) ( 1 ) States that 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BEST BUY/CBNA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft MACYSDSNB  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX  Account Number : XXXX This is not mine.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of XXXX Sente/XXXX  mortgage company sent insurance payment of XXXX to XXXX XXXX  XXXX with a bulk check for all payments to XXXX. This check did not have our insurance account number on it, therefore XXXX sent a wire transfer back to Sente mortgage of the above amount by wire transfer XXXX which was then cashed on XX/XX/XXXX. This was never identified as an issue by myself or husband until our XXXX insurance payment increased in XXXX of XXXX. Once we identified that this was not a one time insurance increase we called XXXX and identified that the above was a problem. Over the last months phone calls to both companies to inquire about the missing payment were made. 3 way phone calls occurred and investigation into the missing payment has been ongoing. Within the last month the trace number from XXXX to Sente mortgage was identified and inquire is still ongoing currently. Sente mortgage has felt mostly obstructive, with only a few helpful agents trying to resolve this situation. I am not sure if it is a company policy for Sente mortgage, but there has never been a promise to have someone call and contact us to follow up, it is always call back in 5 business days and then I am left hoping that someone helpful answers. This has become increasingly frustrating and feels like a stonewalling to get us to give up recouping our funds.
Product: Debt collection

* called Sunday XXXX - no voicemail - from XXXX - midland credit * called Saturday XXXX - no voicemail - from XXXX - midland credit XXXX called Friday XXXX - no voicemail - from XXXX - midland credit They tend to do this every few weeks on a recurring basis. Never leave a voicemail nor any correspondence. I verified their number ( s ) from their own site verbiage.
Product: Mortgage

It is with great sadness that I submit this complaint toward SLS. We have fallen behind in our mortgage payments due a change in our income. My husband is a XXXX veteran who just completed XXXX years of service. Due to this we 've had a significant change in income. For a few months he was unemployed only receving XXXX and I XXXX XXXX for XXXX, XXXX and XXXX. My husband is currently employed as of XXXX of 2014 with the XXXX and has applied and will be receiving his veterans XXXX. We have made several attempts to get a modification and have hit brick wall after brick wall. First they said they did n't have all documents so I faxed them again then received a denial. I faxed in an appeal and letter of intent now mind you the first denial took weeks and weeks but when I sent in the next fax I was told it takes 24 to 48 hours to have the documents uploaded however at that time when I called I was told it was denied for all options they received them XXXX day and denied all options the next. I thought that was crazy. I was told I can send in another appeal which I did. After reviewing my documents I was told they see the increase and will review but then after not hearing from them I called and was told it was denied because we have exceeded the amounts of modification based on their guidelines. I sent a letter stating that we should not be penalized for the previous modification because it was part of the XXXX. This week I called again and spoke with another rep, I 've never ever talked to whomever was my assigned person because he or she was never available and if a message was left call was never returned. The rep that I spoke with this week said a denial letter was sent, but I have not received it that states the reason for the denial and that there is no other options available but short sale under HAFA or foreclosure. I 'm at my wits end about the whole ordeal. I am afraid of the affect this will have on my husband as he has XXXX and the stress of the possibility of losing our home. I 'm praying for resolution in this issue.
Product: Money transfer, virtual currency, or money service

Good morning. I sent money through ZELLE but the person changed the phone number. How can I change the number or cancel the transaction to correct it? Thank you for your help
Product: Debt collection

I am a PA Resident and I received a warrant in debt/law suit notice that was filed in the state of Virginia, XXXX XXXX XXXX XXXX from the debt lawfirm Schrier Tolin & Wagman LLC for a credit card debt from creditor XXXX XXXX XXXX XXXX. 

I believe that I was sued in the wrongful jurisdiction as I applied for the card in PA ( via the internet ) and never resided in Virginia at the time that the card application was filled or signed. I have been extremely and negatively stressed and impacted by the magnitude of being sued out of my resident state, potential incurred costs for out of state legal representation and having to prepare to miss work to be present for an out of state lawsuit which are all things that could exacerbate my current financial situation and put me into serious financial duress.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the recent laws medical debt is not to be reported until its at least 365 days past due. 
The definition of medical debt is : Debt that arose from the receipt of medical services, products or devices Because of the receipt of medical services, devise and products described above I was forced to take a medical debt loan through XXXX XXXX which was sent to LendingPoint LendingPoint is aware that the loan was for the receipt of medical services ( Medical Debt ) and is not 365 past due. 
They allowed a customer care agent to represent the company and close my XXXX  complaint and my dispute as being accurate when its actually not accurate at all. Because the medical debt is not past due it is not legally allowed to be reported on my credit report. I have a legal right to accurate credit report and the decision to put it on my credit report should not have been made by a customer care agent who is not familiar with the current medical debt laws
Product: Money transfer, virtual currency, or money service

XXXX XXXX and XXXX contacted me over XXXX in XX/XX/2023. They were sending profitable stock information and asked me to buy. I didn't believe it initially but saw that some of the stocks they pitched were doing well judging from my novice stock knowledge. After some time, they pitched XXXX XXXX, a XXXX XXXX company stock. They said I had to invest a minimum of {$100000.00} to qualify for % XXXX return. I didn't have XXXX XXXXXXXX but did my best to raise XXXX XXXX. I went ahead and bought XXXX worth at their direction and XXXX promised me that the returns would be achieved in 3 weeks. I transferred the money to a stock trading app called XXXX, with their direction. Three weeks turned into months and I watched as the stock declined. I was advised by XXXX to be patient and that I would realise the returns soon. He also requested that I introduce it to my friends which I refused to do. 

The funds were transferred through the East-West bank XXXX Bank Details below bank name : East west bank bank routing number : XXXX bank country : United states address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : City of XXXX state : California zip code : XXXX Recipient account number : XXXX Message to recipient bank : XXXX, XXXX XXXX XXXX XXXX : united states recipient name : XXXX XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California zip code : XXXX message to recipient : XXXX, XXXX XXXX
Product: Credit card

I had a credit card with XXXX XXXX bank in 2000 when I wAs XXXX I was going to pay but was not able to come to agreement on terms. Portfolio recovery has been harrassing me for the past 11 years and even the letter states it will not be reporting to the credit bureau so I see no point and they call almost everyday and i think they should leave me alone I have other priorities as far as my health.