23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

In XXXX, I opened an HSBC account checking with my wife XXXX, as well as an investment account for my ROTH IRA. The checking account came with two debit cards ( one in each name ). XXXX has never used her card and it has never left the house, but we were just contacted by HSBC about potentially fraudulent charges. There have been two charges at an XXXX store in XXXX, CA first on XX/XX/XXXX, and a second that shows as posting XX/XX/XXXX. These were accepted by the bank, but then an attempt was made to charge a hotel room ( XXXX XXXX ), and this was blocked by the bank, triggering a call.. We know that the card has never left the house, and has been locked away in a drawer in our desk. It has never ben used online, and has never been attached to any payment service etc, and we have never recorded the card number in any written or electronic document. We are certain that the card information has not been stolen from us so I have to conclude that somehow the information came directly from HSBC bank, or some affiliate. I have told them this, but I have no confidence that they intend to investigate this. The amounts were small, but if this information leaked from the Bank, then this is potentially a very serious issue.
Product: Credit reporting or other personal consumer reports

This account doesn't belong to me & the company nor its collections agency has any proof that it does.
Product: Debt collection

On XX/XX/XXXX, a man named XXXX XXXX from this company ( offices of XXXX ) called a family member and told them all the information about this issue. The family memeber called me and relayed all the information and I called him back. He was extreanly rude and belittling. He told me I would be arrested in the morning. He told me I would never amount to anything or have anything of my own because of my credit score and proceeded to laugh. He made me cry with his belittling. He should not have told anybody any information and it is illegal that he did. I wish for something to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance win the Fair credit reporting act. The List or accounts below mashes violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All are a violation of 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.

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: Debt collection

I received a called from a debt collection company about a bill from XXXX from XXXX. I do recall having an account and if so I did filed for bankruptcy. JEFFERSON CAPITAL SYST Company : JEFFERSON CAPITAL SYST Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$1500.00}
Product: Payday loan, title loan, or personal loan

NAVY FEDERAL DISAPPROVED MY LOAN DUE TO INSUFFICIENT INCOME. 
I JUST OBTAINED A VEHICLE LOAN FOR XXXX IN XX/XX/2019 FROM NAVY FEDERAL. 
I PAID THE LOAN OFF IN XX/XX/XXXX WITH A BACK PAID AMOUNT THAT I RECEIVED FROM VETERANS AFFAIRS. I OWE XXXX IN THE LOAN TO NAVY FEDERAL. 
I REQUESTED AND RECEIVED A LOAN FOR XXXX EMERGENCY FUND IN XX/XX/XXXX. I WAS GOING TO USE IT TO FIX MY ROOF AND THEN I WAS TOLD BY SEVERAL CO THAT I NEED A NEW ROOF ENTIRELY. AMOUNT XXXX. 
I ALSO HAD ISSUES WITH BASEMENT SEVERE LEAKING NEEDED WATERPROOFING XXXX - XXXX. 
I APPLIED FOR A LOAN TO BE PAID OFF IN 36 MONTHS. 
I MAKE XXXX A YEAR. 
I DO NOT HAVE ANY OUTSTANDING DEBT. 
I BELIEVE NAVY FEDERAL DISAPPROVED ME OUT OF RETALIATION FROM FILING AN ISSUE ABOUT MY CREDIT CARD REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and opened up a joint account in my name.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open a fraudulent account XXXX XXXX balance {$750.00} opened XX/XX/XXXX  account number XXXX and fraudulent inquiries XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX  using a fraudulent address of XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX . I have contacted the credit bureaus, consumer financial protection bureau, federal trade commission filing a ID theft affidavit and police department making offical complaints about the unauthorized activity. 

I am demanding the account XXXX  XXXX balance {$750.00} opened XX/XX/XXXX  account number XXXX be blocked and removed from my credit report I am demanding the fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 be deleted I am demanding the fraudulent address be removed and blocked XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$680.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} ; XXXX & XXXX XXXX XXXX XXXX : XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX IN ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$420.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a 609 Letter to Experian asking for validation of original debt history because unfair collection and unfair reporting practices with XXXX continues to not report my XXXX payment history. I also followed up with an 611 letter to try to resolve the matter. Experian did not do their due diligence in correcting matter. XXXX intentionally suppress my payment history by not correcting the reporting my XXXX payment history. XXXX account is old and requires removal from my credit report. I have made over 5 disputes in reference to this matter. To no avail Experian verifies XXXX erroneous credit reporting data sometimes in less than XXXX hours. XX/XX/XXXX I called Experian stating my frustrations with their reporting practices and tried to file a complaint with their company but did not get any assistance. The Experian disputes report numbers are XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, any and all late marks found on any of my consumer credit reports by the company are inaccurate and need to be corrected.
Product: Checking or savings account

On XX/XX/2023 I was alerted via email that there had been an account opened in my name at Chime bank. I immediately called them, reported fraud, and the account was closed. While I was on the phone with them someone attempted to open a XXXX XXXX  credit card with a {$200.00} limit under my name as well, this account was also immediately closed. 
They also advised me to file a report with identitytheft.gov, which I did. 

The reason I'm filing this report is because this was not an isolated incident, the same thing happened to my sister and this has happened to dozens of other that I have connected with on XXXX. I believe this is not the work of a few random individuals but a larger issue with Chime itself. Either a weakness in their account opening checks and balances, or a malicious purposeful fraud done by the company in order to boost their account numbers or something.
Product: Mortgage

I refinanced by loan earlier this year and the loan was subsequently sold to Dovenmuehle Mortgage in XX/XX/XXXX. This loan is approximately for 33 % of the value of the home. I have owned this home over 13 years and had never escrowed any insurance or taxes. With the refinance i was informed i would need to escrow Flood Insurance due to this be a coastal home. They escrow {$75.00} per month to pay my flood insurance which will be due in XX/XX/XXXX for approximately {$900.00} ( please note i had already paid the XXXX XXXX payment myself ). I would like to point out i had made approximately 7 phone calls between XXXX and XXXX verifying that i had a valid policy on the house and the escrow was only for my flood insurance, In XX/XX/XXXX, I paid myself the {$6800.00} property taxes for my home. Several weeks later i received notice that Dovenmuehle paid my property taxes post my action of payment. I spent over 2 hours on the phone in XX/XX/XXXX with a Supervisor attempting to get clarification. Yes they confirmed the escrow was only for the flood and this payment should not have been made. A refund would be requested. I received notice on by credit report that an additional loan of {$6800.00} was placed against me by Dovenmuehle. I contacted the company again by email requesting an update on the refund they were requesting and advise them this has now caused action against my credit report. I received a response indicating that they would not be issuing a refund and an escrow analysis would be conducted. In addition, they stated my loan would be transferred in XXXX. I need resolution of my escrow, credit and have this finalized before transfer to a new company.
Product: Credit reporting or other personal consumer reports

The loan with XXXX  was open XX/XX/XXXX in the amount of {$23000.00}. The last payment was made on XX/XX/XXXX. On XX/XX/XXXX the the loan was closed and the Balance of {$3800.00} was written off as a profit and loss.. In XXXX of XXXX I requested a copy of my 1099c form, and haven't received it as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a loan from XXXX and already paid the amount through the customer service. Now i see a negative credit remark on my credit score from this collection Agency called " XXXX XXXX XXXX '' and an amount due which has already been paid long time ago. I had been harassed with calls. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet. The amount was paid and i also tried to apply for a new loan from XXXX but was denied. Then the collection calls from XXXX started
Product: Mortgage

AFTER HURRICANE IRMA, I REQUESTED FOR FORBEARANCE AND MAKING REGULAR PAYMENTS AFTER THAT ; BUT LENDER IS ASKING FULL 3 MONTHS PAYMENT TOGETHER ( ALTHOUGH, I ASKED THEM TO PUT IT IN THE REAR ), SENDING THREATENING LETTERS, SENDING THEIR EMPLOYEE TO PUT NOTICE ON MY DOOR AND ASKING TO MEET THEM FACE TO FACE ; BUT, WHEN I CALLED THEM, THEY SAID THAT NO NEED TO MEET FACE TO FACE! ALSO, SENDING FORECLOSURE LETTER ; ALSO, THEY BLOCK ME TO MAKE AUTOMATED PAYMENT AFTER THE 3RD PAYMENT AND CHARGING FEES TO TALK TO THEIR REPRESENTATIVE TO BE ON THE PHONE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so so upset that these agencies are still reporting fraudulent accounts totaling over {$2000.00} or more which not ever mine. I am disturbed how I cant have my finances better due to all these fraud accts charged off. Please do your due diligence and find the evidence that these accounts were all fraud. Having no knowledge of these fraudulent entries on my credit report as i was not paying attention that they did not delete these off since I reported back then. I was wondering why my credit was just being basic with limited lines until the banker asked me to pulled my report and then I see all the errors and fraudulent accounts that were not removed with all different variation of names. i cant even determine the exact amounts or dates as I did not have no accounts with the account numbers reported companies, and I no opened accounts on the dates posted on my credit reports. I have been a victim of ID Theft.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measure 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. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these actions.
Product: Credit card or prepaid card

Discover It credit card advertisements indicate a 5 % cash back on gas purchases, restaurants, travel and more. When you fill out their application ( which requires ones Social Security number by the way ) and the switched, actual terms are reveled it is heavily restricted by month to certain retailers. This is blatant bait and switch.
Product: Debt collection

XX/XX/XXXX Alliant Capital Management called me while at work about a bad debt, I missed the call. They then turned around and called a family member gave them all my debt informationon when the debt was taken out, how much it was for and that I had made 4 payments on it before I stopped on it. I called back and the lady at alliant capital told me that she was attemptng to reach me for the debt, and that I had to pay today or else action would be taken. I had already enrolled this bad debt in a debt relief program in XXXX, they are just working on neogiation the debt down and it was sold off to this new company. I thought I was doing the right thing by enrolling the debt in a program, but I am so mad they gave my family member all my personal information about the debt. I dont think that is legal.
Product: Debt collection

Collection : XXXX XXXX XXXX, XXXX, Is completely fraudulent. The date of first delinquency is crazy! I researched that contacted the company XXXX XXXX  XXXX XXXX XXXXXXXX and found that the company does not even have a record of me at that address. This company is either purchasing fraudulent debt or fabricating debt to target peoples credit files to extort them of money. This company tried this a few years ago and it was deleted. Now from all of a sudden you Equifax are the only credit company that is again adding this XXXX  to my credit report. 

I purchased a house in XXXX XXXX ( XXXX XXXX ) in the middle of that year. I never stayed in an apartment and arrived in XXXX area in XXXX to search for a house, not XXXX! We stayed in a hotel! 

Please see the attached home purchase contract. This is very wrong and abusive what Equifax has done here. This is not accurate, fair, nor correct. You all have damaged my life and health in a very real way and you are putting me and my baby at risk of being homeless and you have prevented me from getting the funds I need to treat my life threatening illness! 

FCRA and FDCPA says that a credit collection company can not collect in a state that it does not operate in. XXXX XXXX is not in Texas! Its a violation and this must be deleted! 

XXXX XXXXXXXX must stop purchasing fraudulent debt and bullying people they have the most complaints against them in the industry because they are horrible predators. 

I ask you Equifax to provide details steps and explanation about how you verified this account? You have been asked before and could not, because you are not doing investigation you just allow this monster of a company to prey on consumers. 

If this account is not deleted both Equifax and XXXX XXXX will be sued for violations and I will seek damages. 

See my birth certificate and my signature sample. You all will be held accountable for the suffering me and my child have endured! Comply with the law and remove this inaccurate fraudulent account immediately.
Product: Credit card

I made a payme t on XX/XX/2023 to my Barclays account in the amount of {$15000.00}. Payment was added to the account and it was set-off to XXXX. Barclays then decided to take back that payment and are now not processing my payments, when they have already accepted the payment. I have asked for two months to send back the payment as proof that it wasnt cashed, and they havent sent anything. This is illegal and the account needs to be set-off back to XXXX within 7 business days, or litigation will ensue. Attached is proof of payment to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my personal information to obtain medical services that i'm not aware of at this time.
Product: Credit card or prepaid card

The company saying i made late payments and it is affecting my credit score. Balances are paid off.
Product: Student loan

I have several stuent loans through navient, some of my student loans are about 20 years old. Over the past few years I have made several attempts to get into a repayment status I can afford. I was never told about IBR until I researched it online because I could not afford the monthly payment of almost {$800.00} they wanted me to make. Prior to me researching and learning about the IBR I kept putting my accounts in deferrment where they would gain all this intrest. Once I applied for the IBR, Navient would take longer than normal to process the paperwork and still would send out a bill until I called them continusoly to process paperwork. Also my balance is not being reported accurately under my credit report. Also I filed a bankruptcy in 2014 and was advised there was nothing that could be done when later I found out I could have included this in my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that two inquiries were placed on my credit report by : Bank Of America - XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 I do not recognize these accounts. I did not apply for any new accounts.
Product: Credit reporting or other personal consumer reports

i have no clue about the accounts and want them off of my credit. credit cards and auto loans.
Product: Vehicle loan or lease

I paid off my loan for a XXXX XXXX in XXXX. I am unsure of the exact date I paid off the loan, the loan was through Gateway one lending. 

Gateway one informed me that they sent a statement that the loan was paid in full, so that I could obtain the title. I never received this statement. I asked for it a second time, in XXXX. I never received it. Then after I moved to oregon, I asked them to send another copy of this as they clearly weren't sending the proof that my loan was paid in full. I asked them to send it by certified mail, they did not. My change of address form was fully filled out, and all of my other mail has successfully been delivered at my new address, with the exception of information from this one specific lender. 

Then Gateway one was purchased by another bank, Santander. I do not have an account with Santander, I am unable to open an account with Santander, and despite attempting to contact them by phone, I am unable to reach a single human to speak with for the past 2 days. 

When you navigate their phone service at Santander, it is literally impossible to find the correct combination of options to speak with an actual human body. I highly suggest your organization attempt to navigate their phone tree, this will be highly educational : Their title line is XXXX and their main line is XXXX