23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX. XXXX XXXX XXXX XXXX XX/XX/year> XXXX I would like a current copy of my credit report and that you remove any freezes or Fraud Alerts from it. 
Under the FCRA, I can get a free copy of my credit report every seven days. 


Disputed item : I have never lived at XXXX XXXX XXXX XXXX XXXX, IL. XXXX and under the FCRA you can not just state that because an account shows that address that you are leaving the address on my credit report you must do independent research and provide me with the type of research you did and the outcome. 

I have no problem filing a complaint with the CFPB and filing a lawsuit under section 1681n. Civil liability for willful noncompliance of the FCRA. 



XXXX XXXX XXXX
Product: Mortgage

Servicer, Select Portfolio Servicing Inc ( " SPS '' ), refuses to acknowledge lease that is protected by Protecting Tenants at Foreclosure Act ( PTFA ). 
SPS has attempted two evictions and refuses to provide contact information for property manager and refuses to do repairs to property.
Product: Mortgage

On XX/XX/2019 we were to meet at the Alcova location in XXXX Ga. Managers name is XXXX XXXX to close on our home we are the sellers and the buyers used Alcova mortgage the day before around late afternoon we were emailed by the office saying there was an issue and we cant close until its resolved well long story short we vacated our home and moved into our new purchase home and sat in waiting for 8 days phone calls were not returned we were lied to and had to push them to tell us something the 8th day we pushed so hard we got an email saying underwriting will denied this what?!!! We heard the loan office by the name of XXXX was friends with the buyers and she tried to push it thru. We are now under enormous financial pressure because of her. She XXXX should be terminated this was so embarrassing and stressful for us I will never recover from the emotional roller coaster they had us on. My agent and loan office said in 19 years they have never seen this before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a federally protected consumer and natural person, I am aware of all rights that I have under federal law, which are protecting me by The Congress under the Fair Credit Reporting Act ( FCRA ). As a consumer reporting agency you have violated my consumer rights to privacy and confidentiality under 15 USC 1681 by furnishing the following accounts to MY consumer report. 
1. Account Name : XXXX Funding, XXXX Account Number : XXXX 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 an account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 an account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX, XXXX Account Number : XXXX 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 an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation 4. Account Name : XXXX XXXX XXXX, XXXX Account Number : XXXX 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 an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am writing a complaint to Experian. Located at XXXX XXXX XXXX XXXX, TX XXXX. 

On XX/XX/XXXX I sent out a certified complaint to Experian regarding old information with incorrect dates on it and I asked them to remove it and they have refused. The item in question is old and must be removed because it is violating the FCRA law. I sent the same concern to XXXX  in Georgia, and to XXXX in Pennsylvania and they deleted the information immediately. 

XXXX XXXX XXXX XXXX XXXX # XXXX is passed the statue of limitation and is no not verifiable by any party, current or third. 

I strongly feel as though the are lying and have violated my rights in providing me with EXACTLY what descriptions and procedures were used to verify this. I called and requested the items and they had no answer for me post dispute, so I am very concerned and can not leave my financial life to a third party to verify whom has no proof of this sort of information in the first place. 

My dispute # is XXXX. They claim that the item should remain on file till XX/XX/XXXX but that is false. It should have been deleted on XX/XX/XXXX and it still remains. 
They proved me with no reason, explanation or proof and I am very concerned. What sort of investigation was this exactly? Why am I not able to find this expunged item and they are? Because it no longer exists. 

Is Experian 's system up to date? is there anyways of knowing how current their third party vendors source of resource is? I feel as though it is NOT up to date and it is verifying old items inaccurately. 

I truly want to save my self a day of losing work and going to downtown to print my accurate public information. SO please can this agency have them do a proper investigation and delete this Public Record item.It is genuinely overdue for deletion. Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 an ACH was on my bank statement deducting {$3600.00} from my account. In the 20 years that I have had this account I have never had an ACH transaction. I did not even know what it was.
Product: Checking or savings account

Direct Express issued me a new debit card through Comerica Bank in XXXX, 2022. I received the new card because {$310.00} was taken from the account without my consent or knowledge. I have now not been able to receive deposit information for the SSI payment processed to be made monthly to the card. The social security administration has verified that the direct deposit information does not match a Direct Express account. I have tried to contact a live agent with Direct Express for 4 calendar days and I have not been able to get through their system. Their line disconnects because they have an overload of calls. I have also been locked out of my online account and I can't get through to their technical support either.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX Re : Notice for Proof of Claim Account : TRANSWORLD SYSTEM INC # XXXXTo Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you ( TRANSWORLD SYSTEM INC ) and XXXX METROPOLITAN HOUSING AUTHORITY that gave you the right to enforce a claim upon my person for this debt.
Product: Student loan

On XXXX XXXX of XXXX, according to Discover, I took out a education loan. In XXXX of XXXX after becoming delinquent on my account I paid Discover off. Discover is currently reporting XXXX education loans originating on the same day. Both loans are being reported as negative accounts on my credit report. I have informed Discover that they are duplicate accounts, but Discover refuses to remove the information from my credit report.
Product: Debt collection

Attempted to contact National Business Factor to pay off debts on my account, my wife was informed that we had new debt through this company and when she asked for debt verification she was denied, the representative stated if you havent received the last documents you wont receive these on a recorded line. Representative refused to take payment on accounts due that I have verified stating, its all or nothing we disconnected the call due to the representative noncompliance.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$17000.00}
Product: Credit reporting

. 
EQUIFAX fails to remove the XXXX XXXX account information. EQUIFAX reports incorrectly the account CREDIT LIMIT is {$4000.00}. EQUIFAX reports incorrectly the SCHEDULED PAYMENT AMOUNT is {$130.00}. EQUIFAX reports incorrectly the Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Checking or savings account

Hello, On XX/XX/year> me and my finance hosted an engagement party in which during the party my car was entered by picking the car lock, and my book bag was stolen with credit cards, debit cards, business laptop, work laptop, keys, important information and two hard drives. I have contacted my agency regions bank and provided information but denied stating that I authorized the purchases.

I have submitted additional information and pending a response from agency.

5 Purchases= {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of Identity theft XXXX account of XXXX on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

My spouse and I have been trying to contact Equifax Credit Bureau since Monday XX/XX/XXXX to temporarily remove our credit freeze. For hours and days ( except last weekend ) no one answered the phone but a never-ending auto messaging suggesting that we go to their website. Their website directed us to call their 1-800 number cause they are unable to continue. For days and hours we have been trying to get hold of someone at Equifax with no luck. Most recent was this morning XX/XX/XXXX when If they are close they should say so. If they need something from us they should indicate so. Instead of making clients wait or throwing us out of their system. 
I am applying for refinancing and the bank would not proceed without all 3 credit bureaus open our credits. 
Please expedite as we're refinancing and would like to close. Thanks
Product: Debt collection

I received a call with a unknown number from Ace Cash Express to call them back that they are filing a claim against me. I called back and the representative accused me of fraud for not paying back the pay day loan. I explained to XXXX XXXX that Ace cash Express put me in a cycle of debt and I just could n't pay back anymore. He did n't care and threatened to file a law suit with XXXX county. I told him that I ca n't afford to pay them back because I only work few hours a week but I will try to borrow money and call them back. However I could not borrow any money to pay back. So the next day I received a voice mail supposedly from an officer to call them back or they will go to my employer. I live off pay check to pay check and it 's their fault for putting me in debt and now pretending to be a officer. They also called my sister and threatened to call my employer even though I do n't work in a office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed all of my personal information as well as disputed all inquiries that I have listed below as fraud as I am a victim of identity theft and fraud and the credit bureaus have not removed these from my credit reports. 
I have contacted each of these companies and they could not verify why these inquiries were made and informed I needed to contact the credit bureaus. 

I have filed police reports # XXXX as well as filed identity theft and fraud reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 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 have been trying to buy a car so today XX/XX/20 I went to the XXXX XXXX and when they ran my credit to see if I qualified for an auto loan I was told I did not qualify because there were too many accounts with negative credit history on my credit. I looked through each account and there are five accounts and a few inquiries on my credit report that do not belong to me ; I don't know why those accounts/inquiries are on my credit report or who they belong to but I did not authorize anyone to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards these accounts. I have already filed a police report in regards to these unauthorized accounts.
Product: Checking or savings account

On XX/XX/2021, The colorado unemployment services issued electronic deposit into my account with Current Bank for the amount of XXXX, the payment never applied to my account. I was sent several payments by CDLE and this one never posted. I have filed over 25 complaints given them proof including a letter from the CDLE to Current including in the letter a trace # for the electronic deposit. My account ending in XXXX with current Bank routing number is XXXX, acct ending in XXXX, and the trace # is XXXX.
Product: Credit card or prepaid card

BANK OF AMERICA has contacted me as well as a debt collector stating that account number XXXX was opened sometime 10-12 years ago and is my account. I have never banked with bank of America. I have never had a credit card with bank of america. I have requested validation of the account and information from them and a copy of the signed contract or statements and they have failed to send any of this back to me and i made this request with them on XX/XX/XXXX at XXXX. This is a fraudulent account and they are refusing to investigate the matter properly.
Product: Credit card

Timely payments have always been maintained for this account, with no instances of overdue status. I'm puzzled by the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be implemented.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to complaint # XXXX Your company claims the accounts for XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  were verified. These accounts remain inaccurate after my first dispute. 15 USC 1666 clearly states an alleged creditor may not mark any late payments on an extension of credit. Furthermore I have never been late on these accounts. Please provide your method of verification or delete any late payments on these accounts immediately.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

Could you please remove these inquiries? I wasn't aware of them, and the company did them without my permission.
Product: Mortgage

Me and my mom bought this house in XXXX. And we got loan from XXXX with adjustable rate. It went go up to 8 % and never go down. 
Then we had business hardship in XXXX and tried fix rate modification but it denied and short sale failed, too. 
One of agency ( XXXX ) help me to prevent foreclosure and i paid every month. 
Three years later i notified i was involved as victim in mortgage fraud when i got a phone call from detective in fraud and cyber crimes. 
Now i tried modification and paid 3monthes trial payment on time to wells fargo but it denied cuz of cloud on title ( slender title ). 
There is 10 people and only one person I know and she was staff of agency. There is no my mom and my name on deed anymore .... 
I WOKE UP IN THE MRN AND I FOUND NOTICE of trustee 's sale ATTACHED MT FRONT DOOR last friday on XX/XX/XXXX. 
Foreclosure sales date is shown on XX/XX/XXXX. 
i am totally lost and i do not know how i can my title back and get modification with principal reduction. 
My house condition as not as much worth than market price as price ... .. 

plz help me how can i do ... ..
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX Debt bondage and would like for all listed accounts to be blocked and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX