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

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX, TRANSUNION, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX under the account number ( XXXX ). These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, and OR collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I have identified fraudulent inquiries on my Transunion consumer report that I do not recognize or authorize. I demand that the following inquiries be removed from all of my consumer credit reports immediately and that any collection activity related to these items cease in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The inquiries are a follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I demand that these items be removed within four ( 4 ) days of receipt of this notice. This matter is time-sensitive, and I expect your prompt attention to ensure compliance with applicable laws and regulations. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report.
Product: Mortgage

On XX/XX/2017 I closed on my home, XXXX was the mortgage holder per the paperwork signed. I was then notified that I would make payments to Planet Home Lending, which I did from the vary beginning. 
Last year my mortgage increased by {$400.00} per month because they stated that they had an escrow shortage due to an increase in my taxes. Not being able to afford that I requested a FHA streamline refinance. 
I received a letter with another individuals Name Address and  Social Security number on it. At that point I was very concerned that my personal information may also be given out to other Customers of this company. 
I called Planet Home Lending to complain and they stated that my refinance was denied. 
I started to research my escrow account only to find that what I paid at closing was not the amount Planet Home Lending started my escrow account with. I paid a total of $ {$1400.00} per my settlement sheet and Planet Home Lending started my escrow account at {$670.00}. 
I contacted XXXX XXXX who explained that this was a net loan and the mortgage company was not paid from the Title Company, but instead deducted the escrow and paid the Title Company the difference ( Never heard of such a thing ). I then contacted Planet Home Lending who told me that XXXX owned my original mortgage and I would have to speak to them. They are out of Business.
Product: Checking or savings account

On XX/XX/year> I noticed a charge from XXXX XXXX I can not have a XXXX XXXX account as I owe them money. I do not understand where these charges came from, I then looked further and noticed unauthorized charges from fanatics sportsbook, and another called XXXX  XXXX. I noticed as well a duplicate charge for something I did pay for. I filed a dispute on all these charges. Only to get denied. I do not understand why they denied this claim when I did not authorize these charges. In total the unauthorized charges come to {$570.00} This was literally all the extra I had to get me through the month. The only charge they refunded was the double charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX 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 XXXXXXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Money transfer, virtual currency, or money service

On XXXX at XXXX XXXX  I was transferring funds to a company using Cashapp ( Square ) to a company for service performed. The cash app name provided was duplicated by someone and they received the funds instead. I immediately contacted cashapp and the person receiving the funds to have the funds returned to my debit card. The unintended recipient rejected my request to return the funds and cash app support declined to help return the pending funds back to my account. I have reached out to my financial institution as well with no help provided. I feel that the fraudulent act is not being investigated by cash app as they are unwilling to help with my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX  I was accepted into a property tax deferral program offered by the Mn XXXXXXXX XXXX XXXXXXXX. I am to pay a portion of my taxes and Revenue loans me the money for the rest. I sent my paperwork several times but here it is XXXX and US BANK still cant get it corrected. I also sent them via a certified letter that I no longer wanted to escrow my taxes and insurance. I owe about XXXX XXXX on a XXXXXXXX XXXX house. Well, they want me to pay the full amount and this is even after the head of the program contacted US bank. From XXXX until XXXX of this year I paid the full amount even tho I am supposed to get a break. In XXXX I paid just mortgage and interest. So they charged me 30 rca fee and put my payment in suspense. Then they also told me that I couldnt use their bank app due to bankruptcy! I never filed for bankruptcy!! Then they lost the paper where I withdrew from escrow. So I am Re sending it again. I even was going to re finance my house with them and get just enough to fix it up but I wonder. I know they are large but I think whats happening is very unfair
Product: Credit reporting or other personal consumer reports

The bankruptcy court does not verify nor have any jurisdiction to verify public court records. It was inaccurately verified because I have received a letter from bankruptcy court stating that they do not have any public records cases in my name or in their system which I have attached below. 

Experience failed to show proof of verification nor mail me proof of who verified these erroneous records. It is aggravated identity to use a person information without written consent. Experian and transition has XXXX different reference numbers of a public record on my credit report which shows that it was inaccurately verified. it is a credit bureau Duty to share the same information across all credit report and do a proper investigation to ensure maximum possible accuracy.
Product: Credit reporting or other personal consumer reports

Experian is in VIOLATION OF MY CONSUMER RIGHTS
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts to prevent erroneous information in my file : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX on XX/XX/XXXX XXXX, and after that date until XXXX XXXX an unknown XXXX XXXX  got hold of my credit and debit cards while I was in XXXX XXXX and illegally used them. I found out ID Theft was done to me when XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was called by debt collectors of my credit card accounts that had been used when in prison and started police case on XX/XX/XXXX. I started disputes with XXXX XXXX XXXX debt agency and XXXX cases were closed. However, on my credit report some accounts make me look delinquent because unknown XXXX XXXX had used my credit cards after I had gotten XXXX  making it look like if I had authorized him/her to do so. I contacted a consumer 's affair attorney who gave me your link to start a complaint while waiting for my police report.
Product: Money transfer, virtual currency, or money service

I have had a cash app account for quite a while. I lost my phone and could not access my cash app with my new phone. I have called them too many times with no resolution. They asked my to verify my indentity. They even confirmed the amount in my account. They keep saying my ID verification was not correct. Meanwhile I have a new account verified with the same information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agancy can not furnish a account without my written instructions. 
This account was removed from XXXX and not Experian. Would like a reinvestagation into this account. 
As of now XXXX and XXXX doesn't show this account list on credit report. Making this account inaccurate And should be removed.
Product: Money transfer, virtual currency, or money service

I was in my digital wallet with MetaMask and I selected a currency to buy ; XXXX, then different exchanges came up, Robinhood, XXXX, XXXX and XXXX, etc. I selected Robinhood because it had the highest pay out conversion and I had to set up all my information including two factor authentication and device authorization. Everything went through fine, I had even done a transaction the day before with no issue. This time my funds were stopped in the middle of the transaction and held there since XX/XX/XXXX, saying it was restricted and someone will reach out to me or have my account unrestricted by XX/XX/XXXX then XX/XX/XXXX, then XX/XX/XXXX then XX/XX/XXXX then XX/XX/XXXX and now they pushed it back again to the XXXX of XX/XX/2024. I continue to contact XXXX support get the run and asked for facial recognition and still no funds. I was also asked to reset my account and still my account is restricted and I cant get my funds.
Product: Mortgage

I received a letter on XX/XX/XXXX from my lender that my XX/XX/XXXX mortgage payment that was due XXXX XXXX, XXXX had not been received. The letter was dated XX/XX/XXXX. I received the letter 16 days later in the regular mail. The letter was mailed during the heavy holiday mail season. The 16 days spanned 4 weekend days, 2 holidays ( XXXX and XXXX XXXXXXXX XXXX XXXX, both Mondays ), and 10 business days. I received no phone call to alert me of the missing payment. 

I immediately went on my computer and paid the total amount due. I originally made the XXXX payment on my mobile app. I had been having problems with app crashes during the month, but the payment did look successful. I never realized the money was never transferred from my other account. On XX/XX/XXXX my phone was inoperable. It was evaluated at the XXXX XXXX XXXX on XX/XX/XXXX. Apparently, there had been a known bug that caused apps with notifications to fail that eventually disabled the phone. I did not know that my payment on the app failed until I received the letter from my lender. 

I provided proof to the payment research center from XXXX that there was an app failure. I complained that I had never been given the opportunity to address the missing payment because the letter was sent in the holiday mail and took 16 days for me to receive it. There was no effort on the lender 's part to contact me in a timely manner. I had no opportunity to correct the problem in time before the lender reported me to the credit bureaus. I worked so hard for so many years to get exceptional credit. My credit dropped 99 points as a result of the late payment.

I have gone through 2 escalations with my lender without resolution. The tech section noted app activity during when the payment was made, but can not confirm my sign in. They also said there was a " auto stop call '' placed on XX/XX/XXXX but could not explain it because I had never been late and thus I would not have been called then. They had no explanation for the 16 days their letter took to reach me. No provisions were in place for holiday mail. 

I have never been late in the ten years I have the loan. I pay the same way every month with the lender 's mobile app in good faith. If the technology failed, there should be a better mechanism in place to protect consumers. I do not believe that I was treated fairly as a consumer to receive a letter 16 days later that has destroyed my credit and will impact my life for 7 years.
Product: Checking or savings account

I am the owner of an XXXX  account at Citibank, and I asked for help in an investigation on an incident of theft of money from my account, and for that money to be returned. 

A few days after XX/XX/2024 ( I do not remember what day exactly ), when I logged into my Citibank online account, I discovered hat {$2500.00} had been stolen from my XXXX  account. 

I immediately contacted Citibank, and the representative explained to me that they need my personal presence at the bank for an investigation. On the evening on the same day, I received a letter in an envelope from Citibank in the mailbox, which contained the report of a withdrawal of money from my account that happened on XX/XX/2024, confirming the mount of {$2500.00}. 

The next day, I went to a Citibank location for help. Unfortunately, the Citibank that I went to did not have an employee who had access to an XXXX  account. What the bank employees could do to help me was to make a phone call to the XXXX  Helpline number ( XXXX ), for me to explain the situation about the theft of money and start a case to investigate the incident ( Case # : XXXX ). Over the phone, the XXXX  representative promised to send me additional papers that would help my case. 

After 10 days of waiting for mail from the XXXX  to arrive, I got nothing. So, I called the bank again ( on XX/XX/2024 ). A bank representative confirmed the case is open and that the papers have probably already been sent to my postal address. 

On XX/XX/XXXX, I called the XXXX  help line again, and once again, they couldn't help me On XX/XX/2024, I received a letter in mail that included a copy of the check in which my money was stolen, a check that I DID NOT write. 

I made a complaint to the XXXX  investigation through FAX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2024, explaining that over the many years of owning an XXXX  account in Citibank, I withdrew my money many times, and that I know that it is a difficult matter as it takes some time, and that they HAVE A COPY OF MY SIGNATURE IN THEIR DATABASE ( how it looks like ) The check that withdrew the {$2500.00} had a signature not in my handwriting, and not even close at all to my signature ; just a simple script letter with a squiggly line, when I always sign my check in my full last name. 

I have called the XXXX  again ( XXXX ) on XX/XX/XXXX and XX/XX/XXXX to get an update on the investigation, to which they responded with that they do not see any activity with my case at all, and that the deadline for my case to close is on XX/XX/2024. 

Overall, I made multiple complaints, and gave 2 months for the investigation to occur and send me my money back, but sill to this day, nothing. No money returned, and no progress on the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has made every attempt not to give me my credit report and charging me money without lettingCredit Report Summary Your Equifax credit file includes identifying information, trade line/account information, inquiry information, public record and collection information. 

Identifying information includes information that is used to identify you such as your name, address, Social Security Number, date of birth and employment information. This information is not used in scoring. Updates to this information typically come from information you supply to lenders. 
Trade lines are your credit accounts. Lenders report on accounts you have established with them. They report information including the type of account ( bankcard, auto loan, mortgage, etc ), the date you opened the account, your credit limit or loan amount, the account balance and your payment history. 
Inquiry information contains information about companies that have requested and/or viewed your credit report information typically within the last two years. 
Public Record and/or Collection Information are public record information such as judgments, tax liens and bankruptcies. Your credit file may also contain collection account information from professional services e.g. doctors, hospitals, cable companies, etc. that have been turned over to an outside collection agency. Not all credit files contain public record and/or collection information. me see my score b/c i sued them b/c of the breach will not let me see my score but still charging me
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Due to losing job account was sent to collections agency by the name oXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the account was resolved Merchant is XXXX creditor is affirm. Was told that within 30 days XXXX report will be updated as paid and still is not. 
Have contacted collections agency and affirm and they have both be verified debt has been cleared. Contacted XXXXXXXX to have removed but they stated when the department verified information with company it shows I still have balance and that is incorrect, Ive sent in confirmation showing debt has been paid
Product: Debt collection

transworld systems is trying to collect a debt from me saying i owe them {$1900.00} for ambulance service while vacationing in XXXX. I never used the XXXX XXXX XXXX in XXXX but yet they keep calling me and wanting payment, now i received a letter stating im referred to collection agency. Please help me with this, i tried telling the gentleman that keeps calling me that they must have the wrong person or information or maybe my persona information was used while in vacation in XXXX. I never received any serives from XXXX  in XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent letters to the CFPB, XXXX, XXXX and Transunion, for all of my information on my credit reports to be removed, per the FTC privacy laws under 15 USC 1681, which guarantees the safety and privacy of my personal information. After being made aware of the Social Security Data breach where more than XXXX XXXX numbers were breached, I no longer feel that any security/blocks/freezes put in place at credit companies are safe and private. If hackers can get into a government website and obtain such critical information, hackers can certainly hack into a companies system to finish what they started. I believe it is within my right to request a 100 % clean sweep of all information included in any and all credit bureaus, including but not only, XXXX XXXX and the other 3rd party companies holding my life 's movements in their files. 51 years and 87 pages worth to be exact. I want it gone and by law I can demand it.
Product: Credit reporting or other personal consumer reports

THIS COMPANY IS NOT FOLLOWING THE LAW AND IS VIOLATING MY RIGHTS. I SENT A LETTER TO XXXX XXXX TO LET THEM KNOW THAT THIS WAS NOT MY ACCOUNT AND THEY NEVER RESPONDED WHICH I THEN SENT A LETTER TO THIS COMPANY TO TELL THEM TO REMOVE THIS XXXX XXXX  ACCOUNT BECAUSE LAW STATES THEY NEED TO REMOVE IF THE ORGINAL CREDITOR DOES NOT VALIDATE THIS ACCOUNT. I ATTACHED PROOF OF DICOVER LETTER, MAILING, AND TRACKING DELIVERY OF THIS LETTER. EVERYTHING IS TIMESTAMPED AND DATED SHOWING HOW LONG IVE BEEN TRYING TO GET THIS XXXX ACCOUNT REMOVED OFF MY ACCOUNT BUT THIS COMPANY KEEPS IGNORING ME AND BREAKING THE LAW WHICH IS HURTING MY LIVELIHOOD. PLEASE FORCE THEM TO FOLLOW THE LAW AND REMOVE THIS XXXX ACCOUNT OFF MY REPORT PERMANENTLY.