23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When I took out the reverse Mortgage, I did not qualify for tax exemption so I paid property tax. Then I was granted tax exempt status, however the mortgage company continued to pay the tax. They said I owed $ XXXX, I did not have the money so they started threatening me with foreclosure. I made a payment plan and paid the amount down to $ XXXX, however mortgage was sold to XXXX XXXX. I tried to make a payment plan, however I was told my income did not qualify, so they began constantly calling and threatening foreclosure. I filed a complaint, then I was told due to my age I could have my physician complete a form explaining my XXXX, because I survive on Social Security. Form was completed and submitted in XX/XX/XXXX ; I was told it was approved for 1 year, however I recently began receiving letters and an individual arriving at my home requesting my proof of my identification, which I provided. On, XX/XX/XXXX, I received a call from a representative from Champion Mortgage once again stating she was going to foreclose on my home. I am XXXX years old, XXXX XXXX XXXX XXXX XXXX   due to XXXX, and fighting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I under went treatment for XXXX XXXX and my age alone makes things difficult for me. This is my only home, yet once they offered me $ XXXX to relinquish it to them so they don't foreclose on me. I have told them my income has not changed enough for me to qualify for a loan or repay the reverse mortgage. It seems as if they are going to harass me until I have a XXXX or XXXX XXXX, so they can get the home. I can make a {$25.00} a month payment if that is what they want, however they said I did not qualify for a payment plan. I sent a certified letter asking them do I need to have my physician complete another form, if so, advise me of that rather than constantly threatening to foreclose on my only residence. The representatives seem to past my file around seeing who can force me to pay money I simply don't have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove these items right away! 
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 XXXX XXXX XXXX XXXX
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. 

XXXX XXXX Account XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX  Reference # : XXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX Balance Owed : {$0.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance Owed : {$240.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICAN EXPRESS ( AMEX ) has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. AMERICAN EXPRESS ( AMEX ) is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( 2021 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted.

Who Must File File Form 1099-C if you are any of the following. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). A credit union. Any of the following, its successor, or subunit of one of the following. Federal Deposit Insurance Corporation. National Credit Union Administration. Any other federal executive agency, including government corporations. Any military department. U.S. Postal Service. Postal Rate Commission. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency. A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three safe harbors under which reporting may not be required for the current year. See Safe harbor rules next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts included in the letter attached that I have disputed for various reasons and EXPERIAN has failed to give me all the information I am asking by law. They just give me a standard answer and no detailed infomation on how the account has been verified. See case law below they are not compliant and I want all three accounts to be deleted since they are not following the law. Case and point below 611 A E OSCAR COMPLIANT. Recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item ( s ) on my credit report. I was shocked to learn that you somehow verified the disputed item ( s ), and they are still on my credit report. If you had investigated properly, rather than use your e-Oscar system, you would have known that these items listed below should have been removed in my initial investigation. I am very interested to learn how you arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. I did research on my own and learned that in the case, Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they must conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable! I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently removed from all records.
Product: Credit card or prepaid card

XXXX   XXXX  card : I am putting my complaint first and the wording from  XXXX   XXXX   XXXX  . The whole miles program is a scam that needs to be STOPPED. They do not count miles or even care how long your flight is. They giv e 1-7 CENTS for every dollar charged,    but usually 1c.
Example from below- 30,000 mil  es ( the earth is  XXXX  miles around ) should give you a ticket around the globe right? Nope its {$300.00}.     How is this not intentionally misleading? Classic bait and switch meant intentionally to mislead with an image   of one thing while saying something completely false.
I have no hope that our corrupt " Protection Bureau '' will do anything but bury this since they had to approve it in the first place, but it is wrong   ; and a lie ; and should be illegal.   Maybe this will get posted someplace and it will help someone out.     Bogus offer below- Welcome Bonus Offer : Earn  XXXX  bonus miles after spending {$1000.00} in eligible purchases on your new Card in the first 3 months2 Plus, earn a {$50.00} statement credit after you make   a Delta purchase with your new Card in the first 3 months3 Pile up the miles : Earn up to 7 miles per dollar spent on Delta flights purchased directly with Delta on your Card- that 's 2 miles with your Card and up to 5 additional miles4 as a SkyMiles member.
Earn 1 mile for every eligible dollar spent on purchases with no mileage cap 5 Earn    unlimited miles miles do n't expire!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has illegally placed a business loan into collections on my PERSONAL CREDIT REPORT & they immediately reported that I was at least 30 days late on my payments, which was an egregious fabrication. As the ppw that was recently sent from this companys VP, I was ONLY 17 days late as of XX/XX/2021, yet this is when they reported my account as a collection. This was also in spite of the fact that I was actively attempting to resolve this matter with this company and they proceeded to also FRAUDULENTLY pull a hard inquiry on my credit 64 days after my loan was already funded and approved. XXXX XXXX has malicious intent on this matter simply because I asserted my right to free speech and let many people know about how terrible of a company they are. Shortly after they found this out, my credit was pulled twice again and my credit score went from a XXXX to a XXXX. THE VICE PRESIDENT OF XXXX XXXX also submitted ALL of my very sensitive personal application information ( SSN, DOB, DL #. Home Address, Bank Account info, etc ) via an unsecured public server with no security whatsoever. If anyone in this company can go and pull customer credit files and just jot down their personal information, then what kind of protection is that?! None at all as far as I am Concerned.
Product: Credit reporting or other personal consumer reports

Now according to the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Unfortunately I am victim of unfair practices.I am a consumer and XXXX and Equifax Just to remind you I have a right to not have my information shared with third parties this is also backed ( XXXX XXXX XXXX ) which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : IN ACCODANCE with the WRITTEN instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked effective immediately. Another reminder ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a reference A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I have yet to be informed of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states '' Except as authorized under subsection XXXX XXXX XXXX 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. '' This account is an adverse item they are reporting again without my permission and is against the law. So I am now bringing it to the attention after long hours of research according to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. XXXX XXXX XXXX XXXX XXXX '' and this is why I as the consumer I am demanding that reporting agency shall maintain reasonable procedures designed to avoid violations of XXXX XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under XXXX XXXX of this title. Equifax and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " I may exercise the right to opt out at any time. '' I will like to be shown the validity of alleged debt and would like to see all forms of communication and I am asking for phone records as well
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$1200.00} / XX/XX/2022 XXXX XXXX/ {$150.00} / XX/XX/2022
Product: Credit reporting or other personal consumer reports

The following items appearing on my consumer credit report are the result of identity theft and fraud. These accounts and inquiries were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in multiple fraudulent hard inquiries and collections being reported on my consumer FICO credit report. All of the aforementioned accounts, collections, and inquiries are the direct result of identity theft and fraud.

I request immediate action to address this matter and remove these fraudulent items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never experienced in my life as impossible an agency to work with as Comenity. My autopay billing never worked, I was taken off electric contact without consent, which resulted in my account reported 120 days late. I found out when refinancing for my home and this was never reported late by Comenity in form of an email, phone call, etc. I finally got a hold of a human being by the name of " Ms XXXX '' who worked a payment arrangement so that balance could be paid in full, account would be closed and no fitber charges or fees would be added. In the amount of XXXX, I made 3 payments and paid off the account, which was also closed. There has not only been no update from this individual after trying to contact her at every avail, but I somehow have a balance of {$45.00} which includes a late payment? From a closed account??? Speaking to an actual human being seems impossible, or at least one that can offer technical support. They make no offer to help but are happy to collect any bill due. They hang up on you if you ask to speak to anyone else to find out more info. I made a complaint to the XX/XX/XXXX, which closed the complaint after Comenity would each out within 30 days. They have not. They happily flagged me for being 30 days late though. I am at the end of my rope. Because it is impossible to confirm what is going on behind the scenes, I am left no choice but to raise issue with every 3rd party aganecy in hopes to make contact and repair the damage done.
Product: Credit reporting or other personal consumer reports

Seeing inaccurate accounts on my credit report this morning left me stunned and confused, as I have no idea how they appeared. I regularly review my report, and this time, there were errors that seemingly came out of nowhere. Desperate for answers, I refreshed my browser repeatedly, but the inaccuracies stayed. Im pleading for a careful review of the documents Ive submitted to finally lay this issue to rest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection company reporting I owe on an account that doesn't belong to me. They say the service is for an address I've never lived at and its during the time i was serving over seas. I've tried calling XXXX the original company and they don't have any information so I called the collection company IC systems and they said I need to send then proof that it's not my account but how can I prove something isn't mine when it's not mine.
Product: Credit reporting or other personal consumer reports

I am attaching an FTC report containing 5 fraudulent accounts as well as 3 fraudulent inquiries listed here below to be be deleted by transunion. The TransUnion representative I spoke with today told me to submit this FTC report containing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Specifically, ,Cash App ( Block , Inc ) 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX**, 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: Debt collection

XX/XX/XXXX XXXX {$1600.00} Mark off Law LLC//City of XXXX 15 U.S.C 1692c ( A ) without the prior consent of the consumer given directly to the debt collectors or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15U.S.C 1692b ( 4 ) not communicate by post card or mail 15 U.S.C 1692b ( 2 ) not state that such consumer owes any debt 15U.S.C 1692b ( 5 ) not to use any language or symbol on any envelope or in the contents of any communication effected by the mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of adebt
Product: Credit reporting or other personal consumer reports

I investigated using my info and found that my credit was effected Due to the data breach at equifax. All of my information was released on the dark web and used extensively.many negative accounts have shown up on my credit report and I demand that they all be taken off of my credit report immediately.