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

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Personal Infor As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Citizens Private Client Money Market XX/XX/XXXXDeposit {$310000.00} Total : {$510000.00} Made this deposit in XXXX and was told that our rate would increase from the XXXX XXXX XXXX 1 % to the XXXX XXXX 3 %. 
Hasn't happened. Been to my local bank twice to check on any progress ( NONE ), and was assured that the 3 % rate would be retroactive to the XXXX deposit date ( hasn't happened ). This is all completely unacceptable. Also, I missed by a day a promotion increasing the XXXX XXXX rate from 3 % to 5 %, because I had no notification in advance. 
Unrelated, I had to catch a deposit error leaving {$600.00} off my checking account. Not sure if the bank would have caught the error. 
Was sent a bank-rating questionnaire and mentioned the interest-rate issue. Never heard back. 

Correct this immediately, with the retroactive interest. 

Contacted Citizens Bank and was told the " promotion '' offer of 3 % was not in effect in XXXX ( local branch assured me it WAS ), but since then no interest increase has been applied to my account. It is now XXXX and the Bank 's rate is now 2.96 %, yielding 3 % annual, NOT affecting my account 's 1 %.
Product: Mortgage

It appears that my mortgage company Select Portfolio Servicing , Inc is trying to make more money by foreclosing on my property than modifying it. They fail to include how many months can be deferred with me being less than 12 months behind. They are not considering a global pandemic is the main reason for my hardship. I lost employment, got sick afterwards and had an XXXX  done, and last but not least my husband XXXX XXXX XXXX divorced me right after the XXXX. This time I am getting back to walking and trying to do things for myself all over again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Transunion To whom it may concern : XXXX XXXX XXXX XXXX You are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance.This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

Sincerley. 

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

My last 4 of Social is XXXX Earlier this year, I filed a complaint against Discover Card for not closing my account when I requested to close it, CFPB took action and Discover closed my card. 

Now, I am having a much bigger issue with Discover Card. I was affected by COVID-19, Discover Card asked if I needed help with payment and I requested for the relief but they continued to send me same email over and over again. I called Discover and we went over COVID-19 relief program but, again, got several calls a day every day. On Monday XX/XX/2020, Discover called again, the rep apologized and and we went over COVID-19 payment relief program one more time and he asked me to make a small payment by the end of next week which I agreed to do so. 
Today, I received an email from credit reporting agencies that Discover has reported late payment and my score went down by 62 points. Discover 's rep falsely promised and assured me that late payments will not be reported.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In Accordance with the fair credit reporting act convergent has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian In reviewing my credit report from Experian, I found unauthorized inquiries. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. 

The following inquiries are unauthorized : 1. XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXX 2. XXXX XXXX Inquiry Date XXXX XXXX 3XXXX XXXX XXXX Inquiry Date XX/XX/2021 Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block, inc. ) due to inadequate costumer services and unfair practices which violate the Consumer financial protection act ( CFPA ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric fund transfer act. ( EFTA ). And regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

From what I gather, FCRA 605B dictates the removal of any inaccurate accounts from my credit report. Could you please verify the documents? Some of the specified accounts are incorrect, and it's unsettling for me.
Product: Student loan

I have been enrolled at XXXX since the commencement of the XXXX XXXX  in XXXX. Unfortunately, during the XXXX  of XXXX, my sole mode of transportation became inoperable. This predicament resulted in my delayed registration for classes. Despite my lack of transportation, my advisor assured me that I could still make progress and perform well in his class until I acquired a new vehicle. Considering my circumstances, I determined that obtaining a personal XXXX  loan would be the most suitable option, as it would enable me to purchase a car using the refund from my tuition payment for the academic year, which had already been settled. I submitted an application for the loan and awaited approval from XXXX. Due to a combination of personal challenges and the additional stress of managing classes and transportation, I came to the realization that I could not continue with the ongoing semester. I promptly communicated this matter to my professor/advisor on XX/XX/XXXX, informing them of my situation. I submitted the form, believing that all necessary steps had been taken. However, even after several weeks had passed since my withdrawal, I continued to receive notifications from XXXX, an application I utilized to receive updates on upcoming assignments. Upon inquiring about this matter, I was informed that the removal process from the system takes time after withdrawing, thus explaining the reason for the persistent alerts. 
Approximately a year later, I expressed my intention to resume my degree program. Upon consulting with the financial aid department, I was informed that my XXXX  had significantly declined, resulting in my placement on academic probation. This revelation puzzled me, as I had previously been recognized on XXXX 's honor roll. Subsequently, it was revealed that the semesters I believed I had withdrawn from were not officially dropped. Additionally, due to my advisor 's selection of classes for both the fall and spring semesters, I was billed for the unfinished XXXX XXXX and the XXXX XXXX, which I never attended. 
Recently, I received an email from Sallie Mae, notifying me of payment obligations for XXXX separate loans. This revelation came as a shock, as I had previously taken out a loan in XXXX, but I was unaware of this new loan and its approval. According to the loan distributor, XXXX University had accepted the funds, which surprised me as the acceptance dates corresponded with the period after I had already withdrawn. Additionally, I received an amended award letter instructing me to accept it through XXXX, which I never did, thus leaving me uncertain about the loan processing. Despite XXXX 's acceptance of the private loan, I never received a refund check for either semester. Consequently, I find myself burdened with over {$10000.00} in debt from a loan that was never disbursed to me. Considering the circumstances outlined above, XXXX University has essentially appropriated {$10000.00} from me.
Product: Credit reporting or other personal consumer reports

I am FILLING THIS COMPLAINT AGAIN because the following inaccurate imprecise information still not accurate and some accounts are need to be deleted from my credit report. The items are listed below : 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
Product: Checking or savings account

Dear SoFi Securities and invest I am writing to formally complain about the freezing of my investment account. This message is not for SoFi bank lets clarify right away. SoFi securities, invest, technologies or whatever you may call it. My name is XXXX XXXX. 

Despite contacting your customer service ( invest specialist ) department to inquire about the reason for the freeze, I have not received a clear explanation. I was informed that the reason is due to someone claiming I owe a debt, but I have not been provided with any documentation to support this claim, such as a court order. SoFi invests specialist on phone call has verbally claimed that there is a legal hold on my SoFi account on XX/XX/XXXX to be exact. 

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to send a written validation notice within five days of initially contacting a debtor. This notice must include details about the debt, the creditor 's name, and my rights under the FDCPA. As of today, I have not received such a notice. They have not even formally notified me of the hold. I found out of the freeze on my own and they did it undercover as well as erased trades that I had made on my account, I have photo proof of this. They removed the log of a trade I made on XX/XX/XXXX it was a purchase of XXXX XXXX XXXX XXXX XXXX and I sold it for a loss. For some reason they are hiding this transaction and it does not appear in the logs. 

Furthermore, I have only been a SoFi Invest customer for a little over a month. It is highly unlikely that I would have legitimate debt requiring such a hold on my account this soon after opening it. 

The lack of transparency and refusal to release my funds without proper justification is causing me significant hardship. My funds have been frozen for over 30 days, which is an unreasonable amount of time. 

I am requesting the following : Immediate release of the freeze on my investment account. 
A written explanation for the freeze, including a copy of any court order if applicable. 
If the freeze is related to debt collection, a validation notice compliant with the FDCPA. 
If I do not receive a satisfactory response within 2 business days, I will be forced to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your time and attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Mortgage

my email to them PHH Mortgage services dated XXXX Good Morning, Please see attached AGAIN I am PLEADING for assistance!! I have explained my situation several times. I need to keep my home but I need a temporary lower payment to be able to survive. 

I have tried to refinance but other lenders state my loan shows in forbearance and won't help. 

Ease lower my payments so I can begin to make timely, consistent payments. 

Please Help!!!! 


I am requesting executive review regarding my situation.

Prior to COVID I was finishing month 3 of modification and had much lower payments. 
I am asking to revert my payment back to that to allow my payments to be back at {$1700.00} the modifications given kept may payments making the payments hire which is contradictory to the mortgage assistance IN ADDITION... 

I have had several confusing letters one of which stated that you were working with the XXXX for additional assistance you asked for that letter, I sent you a copy and you never responded with a response regarding that program. 

While I understand you are a servicer, I am formally requesting this be sent to whomever can provide a real solution to my unique issue. 


I will also forward request to the local and national consumer financial protection bureau for next step and to open a case on my behalf to get assistance to keep my home. 

Respectfully, XXXX XXXX The CONTENT OF THE XXXX EMAIL ATTACHMENT IS BELOW : PHH Mortgage Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : I am humbly writing to ask for your assistance to reduce my monthly mortgage payments by way of a long-term modification but preferably a fully refinanced loan. During this Covid -19 pandemic I have had several factors leading to my inability to afford my current mortgage payment of {$2400.00}. The factors making this a challenge are the following : My employment was lowered then subsequently exhausted and left me without an income for close to 6 months. ( I have since gained employment but a lower salary ) My housing expenses and debt load has increased with college XXXX returning home to continue their curriculums however the household bills have increased with more family members in the house Increased debt ( * the debt is related to parent loans for my college XXXX, one is now in XXXX XXXX, one is a XXXX XXXX XXXX and XXXX a XXXX  on approved university grant so there wont be any more parent loans needed. 
Prior to Covid-19, I completed the mortgage modification and making regular mortgage payments as agreed ; using solely my income with a goal of ultimately refinancing the loan to lower the rate and payment. 
Regarding my employment, I am with the XXXX XXXX entity but now in a different division. I anticipate moving into a new role with much higher salary. There is equity in the home so a lower payment, lower interest rate and a chance to consolidate my debt would be beneficial. 
Thank you for your understanding and consideration.
Product: Debt collection

I received a letter from a collection agency attempting to collect for a debt from XXXX in the amount of {$1400.00}. 
I immediately called the collection agency and informed them that it was discharged in bankruptcy in XXXX, ( District of Nevada case # XXXX. 
They refused to acknowledge and indicated that they will continue to attempt to collect.
Product: Credit reporting

I have been at arms with Experian for the better part of three months regarding the removal of a fraudulent/incorrect item from XXXX. I sent all XXXX credit bureaus the same evidence and the other XXXX removed the issue without any further hassle. When I contacted Experian regarding this in XX/XX/2017, I was instructed by a representative that they were going to remove the item without anything else needed on my end and that the process would take 3-5 business days. 7 business days later, I contact again to find this was a misrepresentation and that they did not remove the item. I requested contact by a supervisor and for them to report my issue as a formal oral complaint. To this date, I have never received acknowledgment of my complaint nor did I receive a call from a supervisor. I continue to be misled and completely lied to by this organization and they continue to hold my credit hostage by not accepting the evidence from the XXXX XXXX. I request formal contact and swift remediation of this issue including removal of this fraudulent negative item. I have included the letter from XXXX XXXX specifically absolving me of any type credit issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

I contacted XXXX in regards to the account, Southwest Credit Systems. This has been a reappearing credit collection being passed around by XXXX. Please advise XXXX and XXXX have deleted the collection but XXXX has not and this has been ongoing for 2 years! This is against my rights and surely in violation of FCRA and FDCPA as it was already proven that the alleged debt owed was incorrect! I demand XXXX to remove the debt immediately from Southwest Credit Systems as it is damaging to me! This company has been very aggressive and harmed my credit. It was originally passed to some company called XXXX XXXX XXXX on XX/XX/year> and they responded with a bill attached stating I allegedly owed {$1500.00}. The amount appears to be incorrect as my last bill with T-Mobile was a different amount of {$1400.00} which was already settled. You can not report inaccurate information nor do i owe t mobile! And now Southwest Credit Systems is doing the same! Doesnt seem to be a reputable company if its inaccurate! I want it removed immediately. Not to mention I have never heard of Southwest Credit Systems until today, meaning I never received proper communication that they would be reporting to my credit! This is several violations!! This time I will seek damages!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed. 

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


2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

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

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Ive contacted transunion several times about these unauthorized inquiries on my credit, as well as submitted an FTC report and they still have not removed these inquiries from my credit report as requested : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

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

I am on my XXXX XXXX  account and I see a balance of {$8700.00} with JPMCB. I have never had an account with them nor inquired about opening up one. This is not me and I have not owed this money. I would like to get this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXDOFED XXXXXXXX XXXXDOFED XXXX XXXX/DOFED XXXXXXXX XXXX/DOFED XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX