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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  number XXXX Inquiries : XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX
Product: Vehicle loan or lease

When I started the vehicle lease in XX/XX/XXXX I purchased extended coverage for excess wear and tear protection up to {$5000.00}. When the lease was returned, I was provided the lease inspection report and told that a final bill of the charges would be sent out. I have not yet received the bill. I have spoken with GM financial on 4 different occasions starting on XX/XX/XXXX when the final charges were reported on my credit report, then on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX trying to get a copy of my final bill needed to submit for payment against the coverage. I have been informed the bill was sent onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX not available for view, electronically through the GMfinancial website and my online account, and I have requested on multiple occasions to have my bill sent to me. GM has provided no resolution to me not receiving my bill in the mail and refused to send it to me electronically to ensure receipt. It is nearing the time that payment would be due to avoid any negative credit reporting to the credit bureaus. I have also explained to them that I will be moving which will further delay me receiving a mailed bill because it has taken them over a month to issue the statement.
Product: Mortgage

This is not the first time that I've contacted you concerning the following. I am a XXXX year old widowed XXXX senior citizen who is a Victim of Predatory Lending since XX/XX/XXXX. My niece who is My Power of Attorney, Attorney-in-Fact who handles all my affairs is writing this for me and has assisted me since XX/XX/XXXX. 

I've applied for help since XX/XX/XXXX, after being told that if I didn't pay the next full mortgage payment, not to send anything less then what they asked for. It unfortunately turned out to be much more then I could ever afford! I am also responsible to pay the entire Water ( $ XXXX/month ) and Electrical bill ( {$600.00} ) for the 2 family house besides my other bills. 

In XX/XX/XXXX, I went to The Neigborhood Housing Services of XXXX XXXX for help! I was told after their reviewing of my Mortgage Agreement, that I was in fact a " Victim of Predatory Lending ''. They said, there wasn't a single page in my agreement that provided proof of my financial ability to pay this mortgage in the first place. 

I have been to Court several times since then and was told by " TWO '' Court appointed Attorney 's ( I have proof in an email from one ) that it was in fact " Predatory Lending ''. I have submitted since then almost 10 Loan Modifications per year and have been consistantly rejected. 
Just recently, I recieved once again, a Notice of Sale for Judgment of Forclosure dated for XX/XX/XXXX ( this was sent regular mail in late XX/XX/XXXX and there is no date on this paper ). 

In XX/XX/XXXX, my niece spoke to a XXXX XXXX from Bayview Loan Servicing , LLC and was informed by her that I was to wait until my new Social Security & Pension comes in XX/XX/XXXX so that I would have more money to apply for another Loan Modication. So we waited until the following transpired. 

During the Month of XX/XX/XXXX my first floor tenant was approached by someone possibly from Bayview Loan Servicing that my home was in Foreclosure. She then decided that she was going to leave and break her Lease Agreement, because of her feeling threatened. 

While attending the many Court appearances, I was told by the Judge that  as long as my tenants ( 2 apartment lessee 's ) had a two year lease, they were safe! But, when people come to my home and speak to my tenant 's they become scared and either decide to leave or not pay rent. This is not fair and has been going on since XX/XX/XXXX. 

Since that time I have contacted XXXX XXXX who informed me that she is no longer assigned to my case to please contact XXXX, an Assessment Manager @ Bayview. I have left messages consistently since then with no response from her or from Bayview? 

Please note that CFPB has every single detail of my dilemma on file! 

Please help me to keep my home!! Your prompt assistance in this matter will be greatly appreciated, because I don't know what to do next! 
Thank you ... ... ... ... ... ... ..
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XXXX  XXXX XXXX  Account # : XXXX XXXX  Account # XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I am in a XXXX XXXX bankruptcy and this collection company Wakefield and Associates has put this collection on my credit report and is trying to collect and this is violating Bankruptcy Code. I have sent a message through there communication portal and have disputed this collection on XXXX and XXXX. They need to take this collection off my Credit Report ASAP!!
Product: Checking or savings account

your 360 saving account {$250.00} bonus promotion is deceptive in that you do not allow a bank deposit to be a deposit but rather a transfer not considered - a common person would not know the difference between a deposit versus a transfer.
Product: Mortgage

Please attached timeline attempting to resolve this with Mr. Cooper, loan processing company. 

We discovered our escrow balance is excessively high ( see attached page ). We contacted Mr. Cooper telling them we knew the originating bank was overly conservative developing the initial escrow balance. ( We had no idea the overage was so excessive. ) But now that Mr. Cooper holds the mortgage note, you are notified, please fix it. We validated our information with paper escrow-related tax bills and a discussion with the local XXXX  government tax official. Mr. Cooper staff has begun to string us along, as well as mislead us. We were nicer a year ago with XXXX when they delayed us almost three months - we are not naive this time. ( Completely separate, but XXXX acted similarly with my good friend in XXXX  when he asked for his refund. ) We believe, validated with the attachments, Mr. Cooper owes us roughly $ 5K+ in escrow overage that increases monthly ; as well as by direct follow-through, the monthly mortgage we are having to pay is roughly {$430.00} over ( too much ) as well. 
Mr. Cooper has an automated phone line that informs customers there is no need to send in escrow-related tax bills as they capture them electronically. We disagree because this is part of our complaint- we inform them they are missing one and we have no comfort level any correction is being acted on. 
We have been professional in all of our dealings. At times we have expressed frustration with Mr. Cooper staff, but the timeline notes will reflect why ; as well as any recordings.
Product: Debt collection

My social Security number was used fraudulently to open an account that doesn't belong to me at the age XXXX i contacted the company for more information as to how this can be done without my authorization, the company above mentioned can not provide me with any details since the a fraudulent.JEFFERSON CAPITAL SYSTEM, XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX I would like this account deleted from my name credit profile immediately.
Product: Credit reporting or other personal consumer reports

Went on Transunion and discovered that there was a XXXX Loan opened on XX/XX/year>. I do not claim and reporting this as fradualent actiivity. The reported balance is {$1300.00} and have reported and submitted a calim to TransUnion.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted The Work Number Service Center @ ( XXXX ) XXXX to inquire as to How it is that XXXX XXXX has been allowed to access my personal information so repetitively XXXX  times in the last year. I was never able to talk to anyone as there system seems to be fully automated? It was also noted the XXXX XXXX, XXXX was listed on there as having been provided my information as well, in reviewing XXXX company history it is noted that this is a debt collection firm, so at this point, I'm needing to know, how they were also able to access such personal and sensitive information, being that we owe no outstanding debts? It looks as if XXXX XXXX XXXX XXXX XXXX XXXX, was prevy to data, I do hold several accounts with what seems to be a company related to XXXX XXXX, so maybe a single entry is permissible for whatever reason.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX  XXXX XXXX Balanced {$750.00} XXXX XXXX  XXXX XXXX Balanced {$6300.00} XXXX XXXX Balanced {$0.00}
Product: Debt collection

XXXX, XXXX XXXX ... XXXX of XXXX XXXX, XXXX XXXX. Telephone : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify AFNI, INC. XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, I had {$41000.00} taken out of my medical business account with a fraudulent wire transfer. Someone called my office around XXXX on that day and spoke to my front desk and office manager stating he was from Chase and wanted to inform me of fraud. He verified information with me that HE had including DOB, SSN and account information. I did not give him any information. I was suspicious and hung up and called Chase fraud department before XXXX and they stated a {$41000.00} wire transfer was going through..I told them it was fraud and to cancel it and make fraud claim. I was not informed or notified of this activity to confirm transfer. I subsequently realized my phone was missing during this time period and was subsequently found in the bathroom of my office later in the day. I subsequently received an email hours after I reported fraud that the wire transfer I disputed was going through. I reported this fraud to police as well as AG. Police noted call was to my cell which was inaccurate but subsequent report notes loss of phone. I went to bank branch next day and advisor sent in paperwork which I found out later was the wrong paper, I went back a couple of days later to file the paperwork again. On XX/XX/2023 I was informed that they were unable to reverve transfer and denied the claim stating that I benefitted from this fraudulent transfer.
Product: Credit reporting or other personal consumer reports

These credit inquiries that I do not know about on my report, I believe that my identity has been stolen and some type of way or in a data breach. I would like to remove them please
Product: Checking or savings account

I have a savings account with Synchrony bank for the last 2.5 years. My account has been " under review '' or " restricted '' for more than 30 days. I have received no letter nor any kid of notification and only found this information out by reaching out the the bank myself. 
When I did reach out for the first time, XX/XX/2020, they had no information or details to give me. They kept telling me a " third party '' handles this and couldn't tell me who or what exactly, but that I should receive a letter in the mail soon. I have been back and forth with them for the last month trying to figure out a solution to be able to access my hard earned money. I still have yet to receive a letter or any sort of explanation or reasoning as to why I can't access my account with my life savings. 

I explained to them my situation. Along with everything else going on in the world ( COVID-19, etc ) I work overseas on a XXXX XXXX where I risk my life every single day to make my hard earned money that I can not even touch if I wanted to. It could be an emergency and I'd be out of luck. The multiple bank reps and managers I have spoken with have zero empathy and have not been able to at least give me information to ease my mind. 

I have spoke to them several times ( XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020) and still get absolutely nowhere. The very last phone call they told me that my account will be closed and a check will be sent. I spoke to two different people who told me the check will be sent to two completely different addresses, which is not possible and someone is incorrect. Not only did they inform me they are closing my account ( on what grounds? I still am not certain ) but they could not give me a concrete date or time frame in which the account closure will take place, nor when the check would be mailed out. I again expressed to them that I am overseas and there nothing I can do with a check here, as there aren't any ATMs or banks in XXXX. They expressed to me that that is the only way and couldn't make any exceptions. I have no clue when to expect the check, no clue when the account will be closed and no clue what I will do with the check if it ever reaches to where I am. 

This is the most unprofessional, unethical financial institution I have ever had to deal with and i am disgusted and extremely unsatisfied with the way my account and I as a person are being handled. I wouldn't recommend this bank to my worst enemy. We, as in the world, are in crisis right now and if I need to help my family survive I couldn't do so. I am a veteran and i am disappointed at how my finances have been handled especially since I've been such a great customer. My life savings are being held hostage. I have repeatedly put my whole entire life on the line, while we are still very actively at war and this is the thanks i get? I can't even access the money I have been compensated for it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my XXXX XXXX for an XXXX in XX/XX/2022. My delivery was delayed because I had a medical procedure in XXXX and to make matters worse my wife was diagnosed with XXXX and needed to quarantine which further delayed delivery. The new vehicle was finally picked up on XX/XX/XXXX which created a 30 day late on my XXXX, Equifax and XXXX credit reports. Prior to this, my credit scores were all in excess of XXXX. I reached out to XXXX XXXX who financed my XXXX XXXX and requested a goodwill adjustment because I never had a 30 day late with them and they refused any accommodation after speaking with XXXX different individuals. My request for a goodwill adjustment was due to extenuating circumstances as mentioned above. The XXXX XXXX was paid off on XX/XX/2022 as per XXXX own records which is attached to this complaint. My payments for the XXXX XXXX are due on the XXXX of each month. As is clearly evidenced by the attached transaction report the car was paid off prior to the XX/XX/2022 due date. XXXX not only reported a 30 day late in XXXX but also reported the account as 30 days late in XXXX which is IMPOSSIBLE because the car was paid off prior to the XXXX payment due date ( XX/XX/XXXX ). XXXX has yet to correct their error which has further deteriorated my excellent credit ratings with all three credit reporting agencies. Furthermore, as evidenced by the attached XXXX account statement, my account is currently listed as past due which is outrageous. In addition, my Equifax report is showing the account as 60 days past due TWICE ( screenshot attached ). This has caused extensive damage to me personally and I demand that this erroneous and derogatory information be deleted immediately. I have tried to dispute this inaccurate and damaging information with all three credit reporting agencies but their online dispute portals will not allow me to attach documents.
Product: Credit reporting 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 USC 1681. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

XXXX5 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Debt collection

USCB AMERICA is collecting {$2400.00} for XXXX XXXX XXXX. 

I have a medical health plan through my employer, and my XXXX online account shows there is no medical bill. I have not received any letters and messages from XXXX regarding this bill. 

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

XXXX XXXX sc XXXX XXXX A, states I have the right to privacy. 

XXXX XXXX sc XXXX XXXX A, states a consumer reporting agency can not furnish a consumer report without written instructions from consumer. 

In accordance with the fair credit reporting act the accounts on my credit report have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$1000.00}