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

Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization.

**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**.

**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **. 
3. Seeking **statutory and punitive damages** for your gross negligence and failure to complywith federal law.You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I**demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and**permanently**. This is your **final warning**, and I expect **written confirmation** of thedeletions without delay.If I do not receive confirmation of the deletions within the next 10business days, I will proceed with full legal action, which will result in **significantconsequences** for your continued disregard of federal law. 



Negative Accounts Account Name : XX/XX/XXXX XXXX When Was This Account Opened : XX/XX/XXXX Account Balance : {$390.00} Hard Inquiry details XX/XX/XXXXXX/XX/XXXXXXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices which violated The Consumer Financial Protection. ( CFPA ) cash app failed to take timely and effective measures to prevent and address fraud on their platforms, leaving my account for vulnerable and unprotected. Furthermore, their resolution process was unfair and deceptive as they did not comply with error, resolutions required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused a significant inconvenience, financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

XX/XX/XXXX I was granted a loan modification. After that time my loan was sold to Nationstar. The first three years the mortgage was at 2 % I paid my payment and expected it to go up sometime XX/XX/XXXX to 3 %. I recently received a notice from Nationstar that my mortgage would be changing from 2 % to 3 % and my current payment of {$1600.00} would be changing to {$1000.00}. They even sent me a copy of my modification that specifically stated my mortgage would be raised on XX/XX/XXXX to {$1800.00}. I contacted Nationstar immediately and was once again told that the payment was {$1000.00} via an email inquiry was correct. 
Something is truly wrong if Nationstar can modify-modifications on their own. I do not want to get a notice after a year that they were wrong and I now owe them the difference in the actual payment and what they are changing my payment to {$1000.00}. Please let me know if I have any action against Nationstar and what that would be. The loan number for my mortgage is XXXX and the property address is XXXX XXXX XXXX, XXXX, CA. XXXX. 
My phone number is XXXX. 
Thank you in advance. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this item : XXXX XXXX XXXX, XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Checking or savings account

I received a debit card, with account number, in the mail. I did not open an account or solicit a debit card from the company, " Card.com ''. My name and address are correct on the mailing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Portfolio Recovery Association and XXXX XXXX XXXX. The Account Opened is Portfolio Recovery Association Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}. The Account Opened is Portfolio Recovery Association Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Mortgage

On XX/XX/2021, I closed on a conventional home loan through XXXX Bank for my home. The purchase price was $ XXXX and the loan amount was {$380000.00}. A month later, I sold my former home and wanted to use the proceeds from the sale towards my new loan in order to achieve 80 % LTV and remove PMI. Prior to closing, I asked the mortgage broker if this would be acceptable, and she said yes. 

In XXXX, our loan was sold to Planet Home Lending. In early XXXX, 2021, I contacted Planet Home Lending inquiring about PMI removal. I was told I would receive a letter in the mail in 4-6 weeks with information regarding the process. In early XX/XX/2021, I received the letter. The letter did not provide the information I needed so I called Planet Home Lending. On XX/XX/2021, I spoke with Planet Home Lending. I asked for the specific amount that I needed to pay in order for PMI to be removed. I was told that PMI can not be removed prior to 2 years, and once the 2 year period occurs, the XXXX must be 75 %, not 80 %. I asked for this in writing and was told they do not have a letter to this effect. Planet Home Lending offered to send an amortization schedule, which I already have and is not helpful in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the week of XX/XX/2023 I was shopping for a mortgage and multiple hard inquiries were listed on my credit report as a result. I want my score corrected and the hard inquiries removed since I shouldnt have taken multiple hits against my credit score ( with no changes, and decreasing debt ). Ive lost almost XXXX points on my credit score FOR NO REASON since XX/XX/2023. There is a grace period of XXXX days given when people shop for mortgages that I was not given. I want these errors corrected immediately. Additionally, Equifax has made it impossible for me to check dispute results by removing the option for me to view them electronically ( after verifying the account ). I can see everything else and even submit, but if I want results they want me to request by mail or call them. We live in the 21st century and I dont recall them sending me mail or calling me to ask if they could add incorrect entries on my credit report I dont expect to be put through any additional inconvenience by Equifax because I chose to file a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update the suspicious information. I think you have not validated these accounts. This was already included in my prior COMPLAINT, and I'm including it again. I need the accounts to be verified in order for me to establish good Credit Scores in my files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint requgarding ther fraudulent accoubts that I have been trying to have removed but up until now, you have done nothing. Let me remind you that under the Fair Credit reporting Act section 605b, you are expected and required to remove any accounts and information that resulted due to identity theft. Also, I have been sending dispute letters with complete attachments of my personal identifying documents as well as the FTC Report I received from the FTC. I have been waiting for you to respond to me letters but I received nothing! You have not provided me with copies of documents supporting your claims that the disputed items belong to me, and yet you continue to report these accounts as if they are verified. In accordance with the Fair Credit reporting Act section 605b, I need you to remove the following accounts off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your inability to respond to my letters or provide me with copies of proof of verification with these accounts should have resulted in the deletion of the disputed accounts off of my Credit File.
Product: Student loan

I am eight years out of school, and my private student loans have been bought and sold between companies several times. For the past several years, Discover has owned them. Here 's what 's happening : I am set up for autopay. Occasionally, about every six months, I 'll make a large principal payment, submitted through the mail. 

Every single time Discover has not applied this payment to principal, but used it to suspend my autopayments, using the principal payment as a time-release regular payments. A month goes by, and I notice that my autopay has not gone through, so I call and make them apply it to principal. 
Every time they apologize, every time I ask if they 're going to refund me the interest they 've charged me for that period, and every time they tell me it was an " error '' on their part, so they do n't have to do jack. During my last jaunt with customer service, one of the reps actually tried to placate me with " It only works out to about four cents a day for you. " That they 're stealing from me. 

Initially they tried to tell me it was my fault for not checking the correct box ( apply to principal ) on the slip, or writing it on my check, so I 've started taking pictures of my checks and slips. For a few months they had actually removed the " apply to principal '' box on their mailing slips, but as of last month it was back on. I 've gotten suspicious enough of their shady practices to request an in-detail payment history. Still waiting for it to arrive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 a business American Express credit card balance showed up on my personal report. The Balance is owed by XXXX XXXX XXXX Ive tried to dispute the This information few time Through The Credit bureau on the facts that this balance belongs to a business Im Partner there and this information on my personal report should be removed. But with no success. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaints and I'm not using any third party for this matter. I'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed several hard inquires on my report from Transunion that I never authorized. I was shocked. So I have filed FTC Report and I have included in this package. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. 
I'm representing myself by myself and I do not involved any third party for this matter. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are the name of these inquiries : XXXX Miscellaneous XXXX XXXXXX/XX/XXXX XXXX XXXX Commercial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these hard inquiries from my report as soon as possible as they are fraud items.
Product: Checking or savings account

I have a business account with Wells Fargo. I noticed a paypal debit to my account with the description " Business to Business ACH XXXX   Debit XXXX XXXX '' with the amount of XXXX against my account. That made me suspect because I do not have any XXXX associated with that bank account and did not authorize any charge. I did more research and found out there were repeating withdrawal by the same merchant weekly with the same amount back since XX/XX/2019 with total up to {$83000.00} I notified Wells Fargo but the bank said that their policy only give the client 24 hours to dispute the transaction and they can not reimburse the money. 

I notitied XXXX but they said they can not release any client information because of the confidental. 

I notified XXXX XXXX XXXX because the money has been depositing to one of their client account but they refuse to give out any information or offer any help. 

I just wanted to see where or who i can reach out to help to investigate and I can prosecute the theft but no one want to reach out to help.
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. 

Account Name : XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 or other personal consumer reports

In XXXX I received a update from XXXX I noticed a significant drop, I then checked all XXXX credit bureaus I noticed a deragotory mark from a company called Amsher. I contacted Amsher Via email/phonXXXX for XXXX XXXX requesting a Validation of Debt letter they advised me to contact XXXX XXXX  I advised to the company that I have never had a XXXXXXXX  account. I sent the information provided below over to XXXX and still have not received a response. 

I am writing to formally file a complaint against AMSHER COLLECTION SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The agency has refused to provide proper validation of the debt for account -Account XXXX as required by the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have not sent me the original agreement with my signature or any validation letter despite my formal request.Complaint Details : Agency Name : AMSHER COLLECTION SERVICES Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Refusal to validate debt and provide original signed agreement Request : Removal of all collection entries related to this account from all three credit bureaus ( XXXX XXXX XXXX XXXX and XXXX XXXX Date of Request : XXXX XXXX XXXX FDCPA Violations : Failure to validate debt upon request Refusal to provide original signed agreement Unlawful collection attempts without proper documentation Under the FDCPA I have the right to request debt validation and receive proof of the original agreement with my signature. Since AMSHER COLLECTION SERVICES has failed to comply, I am formally requesting the removal of this account from all three major credit bureaus ( XXXX, XXXX, and XXXX ) immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX OF XXXX, SOMEONE OPENED A XXXX ACCOUNT IN MY NAME XXXX XXXX XXXX AND MY WIFE 'S NAME, XXXX XXXX XXXX PRIOR TO XX/XX/XXXX, I HAD A FRUAD ALERT ON MY EXPERIAN CREDIT FILE TO BE CONTACTED AT XXXX BEFORE ALLOWING ANYONE TO OPEN CREDIT ACCOUNTS IN MY NAME AND I WAS NEVER CONTACTED ABOUT THIS XXXX  ACCOUNT WITH XXXX. I HAVE A FRUAD ALERT ON MY CREDIT FILE DUE TO OUR WALLETS BEING STOLEN IN XXXX WHICH CONTAINED PERSONAL ITEMS SUCH AS DRIVERS LICENSE, MILITARY I.D., ANS SOCIAL SECURITY CARDS. 
I NOTICED A NEW MORTAGE ACCOUNT WITH XXXX XXXX XXXX  WITH A BALANCE OF XXXX WHICH I DISPUTED WITH EXPERIAN IN XXXX OF XXXX. 
IN XX/XX/XXXX, I FILED AN I.D . THEFT/ FRUAD REPORT WITH THE XXXX POLICE DEPARTMENT AND ALSO, I FILED A REPORT WITH THE FTC . 
I HAVE DISPUTED THE ACCOUNT SEVERAL OF TIMES BECAUSE I DID NOT SEEK TO OPEN A XXXX/XXXX  WITH XXXX XXXX XXXX.
Product: Student loan

Attended a XXXX school for XXXX XX/XX/XXXX. We were never given cost of tuition for the course, however the loan department frequently pushed grant and loan applications at us. In the second year of school were were working entirely at our hospital locations without any campus time, yet we were still summoned quarterly to sign loan applications or face expulsion. Facing that I dutifully signed the loan applications, and six months after graduation determined I owed {$12000.00}. It was several years before I could afford paying the loans, everytime XXXX XXXX would push for deferments on the loans, even when I asked to refinance the loans, XXXX XXXX denied me, stating I had to go through them first. Then XXXX XXXX suddenly stopped talking to me entirely, instead going after my parents, being co-signers on the loan. I had n't heard whether my parent made any arrangements with them, and it has been eight years since I last heard from XXXX XXXX. However, after my father died XX/XX/2016, I suddenly began getting notifications from a Navient group, stating I was over 6 months behind on my loans, and that they had added a whopping {$30000.00} in interest to my debt, even though I had never heard of these people, and the last I heard my parents were supposed to be managing the loan by at least making interest payments. After my mother died XX/XX/2016, a company called Student Assistance Corporation sent me a single letter saying my loans were overdue, with no balance, no payment history, no explanation as to why no one had contacted me in a decade. Navient had harassed my employer to the point our human resources officer had to get involved to stop them earlier this fall, and now Student Assistance Corporation calls my home phone a half dozen times a day and does n't leave messages, nor follows up in writing with their attempted communications, nor have they sent me any other documentation beyond the one letter.