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

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I had my tax refund direct deposit into my Cash App account on XX/XX/02 from my tax preparer TPG. It was for the amount of {$13000.00}. Since its not more than {$25000.00} it shouldnt had been a problem. My deposit was pending from XXXX ; XXXX am to XXXX. I tried to send my son {$600.00} dollars ( which I send money to him all the time and he send me money ) after I tried to send him money. I recieved a text saying my account is temporary locked for unusual activities and they want to keep me protect. Within 24 to 48 hours I will receive a notification and I will be able to access my fund. I tried to cash out my money to my linked bank account and cash app wont let me even transfer my money to my link bank account. I have spoken with over 8 reps from support. I have talk to a manager. I have send in the proof from my tax preparer. No one has resolve this issued and its over 48 hours. All Im trying and wanting to do is transfer my money to my link bank account. I can view my balance on cash app but cant cash out nor send or recieve money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Unable to place a fraud alert on my credit file
Product: Student loan

On Tuesday  XXXX   XXXX ,  2017  I contacte d Navient my st udent loan provider. My account indicated an unpaid interest balance. I have paid my account monthly since I had the loan. In  XXXX  the loan was refinanced through credible at a supposed lower interest rate. The balance in  XXXX  was  XXXX ,  XXXX . I have made all of my payments the balance is now  XXXX . The loan is more. I am being scammed. I can never pay off the loan at this rate. I really need help. I just lost my job. The loan is increasing I can not pay for the loan at my age. The interest rate is daily according to the representative.
Product: Debt collection

15 U.S. Code 1662 - Advertising of downpayments and installments ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount THIS APPLIES TO ALL CONTRACTS PLEASE CREDIT ACCEPTANCE STOP CLOSING OUT COMPLIANT, AND STOP LYING TO THE CFPB BECAUSE OF YOUR BIG NAME!! YOUR NOT INVESTIGATING ANYTHING YOU CONTINUE TO Wow cause a racketeering on my credit report. As you know under no circumstances is money supposed to be mix with a credit transaction please explain as to why this doesnt apply to the contract.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inclusion of a XXXX on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this XXXX  should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the XXXX  still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.
Product: Credit reporting or other personal consumer reports

My credit score and report were visible on XXXX XXXX for months, but XXXX day it showed XXXX and stated I had no credit file. I contacted Equifax, and they informed me they couldnt verify my identity using the information I provided. They requested verifying documents, such as my drivers license and a bill with my name and address, etc. After submitting these documents, I was told I had no credit file. I explained that I did have a credit file and had a score of XXXX on XX/XX/year>, when I checked again on XX/XX/year>, it disappeared saying it went down XXXX points. At this point, I called Equifax. Equifax advised me to contact my creditors to check if they were still reporting. I did call the ones I know and was told there were no issues. When I called Equifax again, they instructed me to obtain a control number. However, I can not access my report, so XXXX cant contact all creditors or correct any of this information. Now, Equifax wont provide me with a copy of my credit report because they cant verify me over the phone, and when I try to create an account online to request the copy, it says I already have an account. I cant sign into that account because I didnt create it. Everyone I speak to refers me to the other party and vice versa. I believe my father used my identity to avoid paying child support and I am a victim of Identity theft. This was also relayed to all credit reporting agencies when I spoke with them.
Product: Credit card or prepaid card

This account was opened by my ex-wife. We were separated and I was stuck outside the country during that period. She has since moved out of the house. 

I asked the credit card company to remove the charges and close the account, however, that was not done. 

The card is now over the limit and there is a charge of {$110.00} which I have no idea why the fee.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, experian. list a XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX XXXX  i have never had either one of these. I do have a mortgage through XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX card unsure of amount but says late. neither card i have no knowledge of. i have filed disputes. will not remove and they say they were opened in XXXX  but then will say its 1 year old and it makes it look like this is a new account i am late on. the XXXX XXXX XXXX XXXX XXXX XXXXXXXX have been reported these are not my accounts and it is strange it is just now showing up on my report. i have never been contacted by them.
Product: Debt collection

I have fraudulent accounts, I did not open on my credit report and I have contacted the credit bureau 's and credit companies to have the items fixed on my credit, but the items are still reporting on my credit and is damaging my credit history. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX 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: Debt collection

XXXX XXXX XXXX XXXX Ct, XXXX MD XXXX Bank OF America XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/2020 RE : XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with { BANK OF AMERICA } that is being reported on my credit report with inaccurate/ incorrect Balance Info. 

More specifically, I am referencing the fact that you are reporting an inaccurate reporting/ a collection account on my credit report. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Mortgage

I had a property that was foreclosed on in 2008. Real Time Resolutions bought this debt after it transferred between 2-3 different servicing companies and have re-aged the debt well beyond the statute of limitations, and have no documentation according to the law to be able to collect on this debt, report it, etc ...
Product: Mortgage

The lender keep placing discharged cram down debt on my payoff statements once in XXXX and again in XX/XX/XXXX one month before the scheduled sale of my property in XX/XX/XXXX. My property was placed on the auction block and there were no bids on XXXX for the property I was a bidder on the property. Within a week the PSO private selling officer for the courts and the plaintiffs attorney filed a sales form with the court stating that the property sold. My lawyer filed a motion in XX/XX/XXXX disputing the sale of the property. I discovered that at that time all XXXX   judges passed a motion to discontinue using POS sellers in XXXX County Common Pleas court in Ohio. The debt collector XXXX XXXX was successful in getting the judge to confirm the false sale and taking possession of my property which I had two  tenants living in the duplex at that time. The Shellpoint the loan servicer sent me a 1098 listing interest that I never had paid in for XXXX. The 1098 also was showing a balance of the loan debt at {$44000.00}. Shellpoint finished with a 1099-c forgiving {$11000.00} of the principle loan debt and telling the IRS that the fair market value of he property was only {$35000.00}. 
Conclusion : In XX/XX/XXXX I file a motion to have have the sale reversed and was able to convenience the courts by a phone call recording I was able to get form XXXX that the property never sold in XX/XX/XXXX. The sale was vacated by the Judge XXXX but part of the judges decision was that the property could be resold by the courts own Sheriffs department. As a result of the false sale resulted now I believe to be a issue with part of the decision by the courts. The claim is that part of the debt was already forgiven by the lender by a 1099-c and the debt collector XXXX XXXX  under the assumption that the false sale went though and the case was over paid off the first lien on the property used in the original foreclosure sale. 
I am looking for the new sale date to be vacated and the POS seller auctioneer hired by XXXX XXXX to be investigated by the Ohio attorney generals office for fraud in the sale of my property. I do not owe what the sale states I owe on the property note and the information obtained by the sheriffs sale and used as public notice must be correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XX/XX/21 about some accounts reporting on my report that are due to Identity theft becuase my information was exposed in the Equifax data Breach but they told me it would be completed in XXXX business days once I sent in my documents well I havent heard anything from them and these fraudulent accounts are affecting me to obtain housing, I " trying to provide a place for me and my daughter and this in affecting me really bad.
Product: Credit card

Called XX/XX/XXXX XXXX XXXX XXXX call length - made certain that this transfer would not be allocated before payoffs of revolving charges as no information was provided with offer after reassurance from XXXX I deposited promotional no interest until XX/XX/XXXX check for {$5500.00}. 
Called XX/XX/XXXX XXXX XXXX XXXX after receiving statement with cleared promotional check asked for confirmation on the amount I would be required to pay to avoid any interest charges on purchases and agreed on number below : {$8300.00} from XX/XX/XXXX statement after rep indicated to avoid any interest I would need to pay purchases, plus minimum payment, then she corrected this to include purchases, plus minimum payment, plus fees. 

Purchases : {$7800.00} Fees Charged {$270.00} Minimum Payment Due {$130.00} Total : {$8300.00} XX/XX/XXXX Statement indicates Promotion : 0.00 % Expires XX/XX/XXXX and amount subject to interest rate {$2300.00} with XXXX ( XXXX ) interest charges. All other items are zero. 

On XX/XX/XXXX Paid XXXX to this card. 

XX/XX/XXXX Statement indicates : Was charged interest of {$62.00} on purchases of {$3400.00} even though I paid purchases in full. 
Was charged no interest on XXXX with XXXX subject to interest rate. 

Called XX/XX/XXXX XXXX XXXX XXXX and was told that this is not how it works that their call center misinformed me I stated it sounds more like lying that you can not decide how the payment is allocated and you would need to pay off the entire statement balance including the promotional amount in full to avoid any interest charges. Said a previous complaint was filed and that investigation of recorded calls would be added to the previous complaint. 
Called XX/XX/XXXX XXXX XXXX XXXX Called XX/XX/XXXX XXXX XXXX XXXX On calls above the customer service reps indicate that my statement is correct and that I can not control how the payments are allocated therefore interest will accrue contrary to what the previous customer service representatives told me on recorded calls. They called what their previous call reps told me misinformation as if they had no accountability to what they told me. 

Number one I called before using the check speaking on what was purported as a recorded line to understand how this check would work and weather or not I would be required to pay off the full balance including the promotional offer and the purchases to avoid interest charges and on multiple calls was told no I would not. 

Number two - The customer service rep even agreed the amount I would need to pay to avoid interest charges on purchases. 

Number three there are no written disclosures or any other explanation in writing on the offer letter or the offer check received in the mail they indicate to call their customer service number on the back of the card for any questions which I did.
Product: Credit reporting

The following names below are incorrect and need to be 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 The following addresses are incorrect and need to be deleted. 

XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX The following social security number is incorrect and needs to be deleted. 

XXXX
Product: Mortgage

I requested a 6 mos temp mort. home loan modification while awaiting XXXX benefits. I did not request a refinance from the Newrez mort. Co. I had 9 years left on a 30 yr mort. Newrez discarded my 21 yrs of equity paid and created another 30 yr mort loan. I have called Newrez for assistance with this matter to no avail. I am paying 60 yrs on a mort. that was 30 yrs with only 9 yrs left to pay it off at the time. I am paying PMI all over again.
Product: Debt collection

XXXX XXXX  repeatedly submitted claims to the wrong insurance, even after they were told what the proper insurance for my son was. After several repeated, failed attempts to submit to the wrong insurance, they sent us a bill for XXXX. We contacted our insurance and they fixed the problem and paid XXXX XXXX  the amount owed for his XXXX. The woman at the front desk refuses to admit error and continued to press for an amount we do not owe. This happens continuously at that location with other families. We will not be bullied into paying double for the repeated mistake of their staff. If this is not removed after this second attempt a lawyer will be sought for damages. Thank You.
Product: Credit card or prepaid card

I have tried to get a replacement card from direct express, and can't get a hold of anyone anymore, and they refuse to send me a paper check for my money on my count. XXXX will not replace my money either. So I have 0 other choice but to do this.
Product: Credit reporting or other personal consumer reports

this complaint has been going on far too long dealing with XXXX, equifax, and XXXX  reporting my information without my consent, per 15 usc 6802, the privacy act of 1974 and it has damage my credit this year keeps me in XXXX because of bad credit. they are reporting non-mailable addresses see attachments
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in 15 U.S.C. 1681 ( a ) ( 3 ).

Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C. 1681b requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy.

Specifically, I demand that your agency delete the reporting of the student loan account with Department of Education XXXX XXXX XXXX from my consumer report. This account was reported without my consent and does not meet the requirements under federal law for permissible reporting. 

Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C. 6801 ( a ), which states 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.

I request that your agency promptly investigate this matter and remove the inaccurate information, specifically the student loan account mentioned above, from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within 30 days of receipt of this letter. 

If your agency fails to comply with these demands, I reserve the right to pursue all available legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

These entries are erroneous and contradict the provisions outlined in the Fair Credit Reporting Act ( FCRA ), particularly [ 15 USC 1681e ] ( b ), which mandates that consumer reporting agencies implement reasonable procedures to ensure the accuracy of the information they disseminate.

Furthermore, your agency has failed to adhere to [ 15 USC 1681b ] ( a ) ( 2 ) by furnishing reports without my explicit written consent. This action infringes upon my privacy rights as stipulated in [ 15 USC 1681 ] ( a ) ( 4 ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Product: Mortgage

They have refused a check from the state HAF program. For my past due amounts and now, as of XX/XX/2022. They have suspended a check or canceled a payment for the Program as sent on XXXX for the amount of XXXX. 
I have called both the HAF program and the mortgage company and have received XXXX different answers about my past due and current payments I have been approved for XXXX months of mortgage payments. The payment was excepted in XXXX and XXXX.
Product: Mortgage

When my mortgage was set up through XXXX XXXX XXXX  It was for a XXXX loan with insurance coming out of escrow. 
At some point after that u.s Bank bought my mortgage from them and when that happened u.s Bank failed to properly set up the insurance payments to my insurance company which forced them to cancel my policy after 4 months of non-payment. I was only made aware of this when I received a letter from US Bank telling me that they had purchased a homeowners insurance policy in my name for well over double what my other policy was. Now my mortgage payment has gone from aprox XXXX to over XXXX dollars. Because my escrow account went well over {$2000.00} in the negative when they set up this new policy. I went to US Bank in person and sat down with someone a month ago they helped me type up a letter and send it to US Bank 's department that deals with the situation. That was XX/XX/XXXX. I have not heard anything back. Be it mail or phone.
Product: Debt collection

CAPITAL ONE XXXX XXXX  has Violating my rights I had reported this with the credit bureaus and is still remain on my credit for this is identity theft I did not open any accounts and this is causing problems in my life i have. Filed a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

Their is errors on my credit report that I did not validate or authorize. These accounts/inquires below need to be removed immediately because they do not belong to me. 

REMOVE COLLECTIONS : XXXX XXXX - XXXX - {$260.00} REMOVE INQUIRES : XXXX XXXX/XX/XX/2018 XXXX XXXX XXXX/XX/XX/2018 XXXX XXXX XXXX   XXXX/XX/XX/2018 XXXX XXXX XXXX/XX/XX/2018 REMOVE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX EMPLOYMENT : XXXX XXXX XXXX