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

Consideration is a promise, performance, or forbearance bargained by a promisor in exchange for their promise. Consideration is the main element of a contract. Without consideration by both parties, a contract can not be enforceable, also Title 12 sec 83 a. States that No national bank shall make any loan or discount on the security of the shares of its own capital stock. Unfortunately XXXX XXXX, did not actually give anything in consideration therefore makes any claims of me owing them any debt are ALL FALSE AND SHALL BE CORRECTED ON MY CONSUMER REPORT AS PAID IN FULL OR IN GOOD TERMS IF I DONT GET ANY TYPE OF SETTLEMENT OPTIONS BACK I WILL CONTINUE TO SUE FOR FRAUD AND NOT DOING WHATS BEST FOR BENEFICIARY IN THE FIDUCIARY RELATIONSHIP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a dispute letter to have the following inquiries deleted because I have never given authorization nor do I have any credit accounts or loans with the following companies : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

we closed on our house on XX/XX/year>. we made one payment to XXXX XXXX. Lakeview bought it out and took over loan number XXXX. I thought I paid for an entire year of home insurance when we closed but a year later on XXXX XXXX, XXXX lakeview sends a letter that it was cancelled and we had gone a year without insurance and had to pay a fee or purchase back dated insurance ( which no one does for homeowners ) apparently only banks can do that. We were back charged for home insurance plus purchase a new one. So {$2200.00} was taken out of our escrow. I feel like my payments and escrow are being managed incorrectly.
Product: Mortgage

My previous mortgage loan was with PHH Mortgage. My last payment with PHH Mortgage was XXXX XXXX. 
From XX/XX/XXXX to XX/XX/XXXX : I was on a Hardship Assistance Plan due to Hurricane IDA. I was told by PHH Mortgage Rep the late payments would not affect my credit. 
XX/XX/XXXX : my home went on the market to be sold. PHH Mortgage Rep to me I did not have to pay the mortgage because I was in the process of selling the home with potential buyers. 
XX/XX/XXXX : PHH Mortgage sold my loan to XXXX another mortgage servicing company. PHH Rep assured me all info regarding my hardship and home selling would be transferred to XXXX, which never happened according to XXXX. 
XXXX, XXXX : My home was sold and loan paid in full. 
Currently the Credit Bureau is getting reports of late payments from XXXX XX/XX/XXXX the months of my hardship and XX/XX/XXXX the month I sold the home. 
I tried to send in a dispute to PHH Mortgage but getting the run around or wrong info to reach anyone. XXXX told me it was an PHH Mortgage issue This error has damaged my credit significantly. Please help resolve this issue with both companies. 
Thanking you in Advance, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was put in a payment plan since XX/XX/2023 with capital one. Every XXXX  of the month I make a payment. Accounting to the agent they would not report late fees. My credit report shows I have late fees. I spoke to an agent today about this and they didnt help me to solve this problem. I have a letter them them saying I have a payment plan and I could log in that I been making payment since XXXX every XXXX if the month with no late fee showing. But my credit was run and it showed I have late payments.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I XXXX XXXX XXXX XXXX XXXX XXXX understand how they usually say that these accounts are mine I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Product: Checking or savings account

During XXXX Of XXXX  I Opened A Navy Federal Credit Union Account, After A while I Quit My Job Working On The XXXX Vehicles For The XXXX XXXX In My City. I Used XXXX  Search Filters To Find New Jobs & Came Across A Career Option As A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After Doing This For A While The Company Will Pay Me Using Gift Cards & Never Will Set Up My Direct Deposit As Requested As I Start To Get Stressed With The Gift Card Pay Every Week I Told The Company I Was Looking For Another Job Cause I didnt like the payment methods & knowing i will need paystubs and proof of deposit to my checking account after explaining this the company told me they will be sending me a bonus check to deposit into my bank for almost XXXX $ i continued to work once i received the check i immediately went to my bank ( Navy Federal Credit Union To Deposit ) Days Later The Company Asked For My Account Information To Verify My Check I gave it To Them after that the so called boss called and said the check was over writing i need to send the money back i told him that it was still in my bank im waiting it to clear im sorry i thought it was my bonus check he respond no not that onewe need the money sent back immediately he checked my account and told me to go withdraw XXXX $ and send it on gift card i did so trying not to lose the XXXX immediately after that i felt that was XXXX mistake a employer can make i went to XXXX  did research on the job and omg everything said XXXX scam i was so lost they had locked me out my account navy federal fraud department line was so long so i hung up and i walked in bank got help filled out forms and NFCU havent got my account fixed since
Product: Mortgage

I sold my home and closed my mortgage on XX/XX/year> at the property of XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. My mortgage provider was : RoundPoint Mortgage Servicing LLC Attention Correspondence XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX They admitted on the phone that they owe me an escrow refund on excess of {$4700.00} and that check has not yet been provided. It is well past the 20 day timeline. They refuse to give me details on when that check will be provided, and are being slow to disburse my funds.
Product: Bank account or service

I received a check from my aunt from a family trust account for {$7600.00}. I opened a new account with Chase Bank with this check. After three days, when these funds had not been posted to my account I had a bank officer contact their office and learned that they were holding the check to confirm that it was valid. I called my aunt, who contacted the XXXX XXXX Bank and confirmed that the check had cleared XXXX XXXX. When I had my local Chase Bank officer forward this info to their main office, they reported that they had tried to contact my aunt with no success. I then instructed the branch manager to close my account and return the funds. After two weeks I still have not received my funds, but Chase has closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I still see that inaccurate information on me is reporting. 

On Transunion, my name is not XXXX XXXX, my name is XXXX XXXX My address is not : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX On XXXX, my name is not XXXX XXXX, my name is XXXX XXXX My address is not : XXXX XXXX XXXX XXXX, OH XXXX On XXXX my name is XXXX XXXX and not XXXX XXXX My correct name and address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. XXXX, Experian and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A family member gave me 4 {$200.00} prepaid Visa card issued by US Bank. I try to use the card to make an online payment company and it failed. I try to use the card to pay for my car insurance and it also failed. For the past 3 week, I tried to login every few days to the online website XXXX per the instruction at the back of the card and always encountered an error message. The error message suggested I should call customer service to get the account balance. I called customer service last week and they gave me the balance and register my card to my address to enable online bill payment. This process took 20 minutes. The rep refer me back to the website to register card # 2-4 as she said US Bank only authorize her to register 1 card per phone call. I complaint about the site not working and she dismissed my comments and said other is saying the website is working. I tried to check my balance at the website again today and it still does not work. I called customer service again and after two minutes, a rep was able to give me my account balance and register 2 of the 3 remaining prepaid card. She would not register the 4th because she said US Bank only allow her to register 2 cards per phone call. I am past due on my utility bill and can not pay for my car insurance due to US bank 's website errors and restrictive customer service policy. US Bank sell prepaid cards to the underbanked population and deliberately put in obstacles for the average consumer to get access to their money. US Bank will charge a {$2.00} inactivity fee if the card carry a balance after 12 months. Due to the inability to use my prepaid card to pay my utility and car insurance billl, I have incurred a {$25.00} late payment charge and a {$32.00} NSF fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for many months to get Transunion to provide full validation, method of verification and the co right to collect on this account in question XXXX XXXX XXXX  Account number XXXX. I am asking again for these answers as my rights have been violated under FCRA and fair credit and billing act.
Product: Credit card or prepaid card

On  XXXX   XXXX , I calle d Citibank to  inquiry about an adjustment to my interest rate on my account. I first spoke to a representative who transferred me to an agent in Florida for further assistance. The Florida agent listened and placed me on hold for period of time while she researched my account and reviewed available options. She advised me that I had a current offer for a new purchases and she had to work with a manager to have that removed before anything could be applied to my account. The associate told me she would look into my account once the current offer was removed, and would call me back on  XXXX   XXXX , to discuss what could be done.   On  XXXX   XXXX , I received a call from the Florida call center, (  XXXX  )  XXXX , on my cell phone at  XXXX   XXXX  EST. During the call, the agent apologized for not calling me on the  XXXX  as we discussed due to her son being ill. During th e 5 m inute call the agent told me she was able to get a 0 % applied to all EXISITING and new purchases for 12 months on my account. I questioned her, and the agent informed me that yes, this will be on all new and existing balances and she stated that this will really help you make a large dent on this balance. I was read a disclosure during the call that informed me that I would have a 0 % rate on my account for all new and EXISTING purchases for 12 months and that I would receive a letter outlining the terms of the offer ( which I never received ). I agreed to the terms that were read because she read the terms that stated the 0 % would be applied to m y EXISTING b alances for 12 months. I also questioned the agent about the finance charges, and she also told me that she was able to get 2 months of finance charges credited back to my account for a total of {$1000.00}. I thanked the agent for all of her efforts and the call ended. Upon receipt of my newest statement on  XXXX   XXXX , the interest rate was not reduced as I was advised. The 2 months of finance charges were applied, however, my current rate on my account is the current of 23.99 %, which is not what was discussed, and not what the disclosure had stated. I feel this is a violation of Regulation Z, informed use of credit, and is another instance of false and misleading tactics fr om Citibank on a long history of lies, misleading information, and deceptive tactics. The agent advised the call was being recorded, and I feel Citibank  should be required to honor the terms of the disclosure that was read and discussed on the call.
Product: Credit reporting or other personal consumer reports

**Summary of Communication with Resurgent LVNV Funding** **Objective** : To dispute and seek removal of a delinquent debt of {$740.00} that I believe does not belong to me. 

1. **Initial Contact** : I initiated contact with Resurgent LVNV Funding regarding a debt that appeared on my credit report. My primary goal was to clarify the ownership of this account and dispute the delinquency. 

2. **Conversations with Company Manager** : - On XXXX, I spoke directly with the company manager. During this conversation, I requested documentation linking me to the account in question. I emphasized the absence of any evidence suggesting that I am responsible for this debt. 
- Follow-up conversations took place on XXXX and XXXX, where I reiterated my request for documents proving the account was connected to me. 

3. **Request for Documentation*XXXX : - On XXXX, I formally asked company representatives to provide any documentation, including emails or recordings of phone conversations, that could establish a link between myself and the debt. 
- This request was again made on XXXX. I made it clear that I was looking for tangible evidence, specifically written signatures or any other form of verification. 

4. **Response from Resurgent LVNV Funding** : Throughout these interactions, I was informed that the company was unable to provide the requested " hard core proof '' linking me to the account. They did not have any documentation, such as signatures, that could substantiate the claim that I owed this debt.
Product: Credit reporting or other personal consumer reports

Equifax keeps reporting XXXX XXXX XXXX as open when in fact this is an account that is already closed as of XXXX XXXX. 
The balance was paid off and it is still reflecting on my XXXX XXXX as open and therefore my payment record is being affected by this. 
I submitted a dispute and Equifax still notes that. 
I already contacted XXXX and they are also looking into this.
Product: Debt collection

I noticed on my credit report an outstanding debt to XXXX that was listed by Diversified Consultants, XXXX Once noticed, I paid the debt off. I never received any type of communication from the collection agency prior to placing the debt on my credit report. Although, I initially disputed the amount due with XXXX I went ahead and paid it. I was not given the opportunity to dispute this debt by the collection agency because I never received any notices from them. I contacted the agency requesting they remove this debt from my credit report for XXXX reasons : 1 ) It was paid. 2 ) I was not properly notified of the debt prior to listing on my credit report ; they refused to do so. this listing without proper notification is clearly a violation of the FDCPA.and FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts from my report : XXXX XXXX XXXX XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax due to the negligent management of my credit report, which contains incorrect names and addresses associated with my credit profile. These inaccuracies, resulting from a lack of proper control and verification, constitute a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), specifically under Sections 605, 609, and 604.

Upon reviewing my recent credit report, I discovered that Equifax listed information not associated with me, including incorrect names and addresses. This improper association of personal information has negatively impacted my credit profile and demonstrates that Equifax is failing to verify the accuracy of the information it maintains, as required by the FCRA. 
Specific Issues of Concern Negligent Association of Incorrect Data : Equifaxs records contain names and addresses unrelated to me, likely due to inadequate control and verification processes. This practice misleads lenders and harms consumers by falsely linking unrelated accounts and information.

Failure to Verify and Maintain Accurate Records ( FCRA Section 609 ) : As a consumer, I have the right to demand accuracy in my credit file. Equifaxs failure to ensure that only verified and accurate information is reported infringes upon my legal rights under Section 609 of the FCRA.

Non-Compliance with FCRA Section 605 : Equifax has also failed to provide evidence supporting the retention of employer information in my credit file, which I did not authorize and have no obligation to report.

Negligent Reporting of Unnecessary Data ( FCRA Section 604 ) : Equifax continues to retain unnecessary information, such as incorrect phone numbers and personal details, without legitimate cause. These actions result in the retention of irrelevant information and fail to comply with the law. 
I request that the CFPB investigate these issues promptly to ensure that Equifax : Removes all incorrect names, addresses, and any other data not directly verified as belonging to me. 
Implements measures to prevent these errors from recurring in the future. 
Verifies and maintains only accurate, legally authorized information in my credit file, as stipulated under FCRA regulations. 
Thank you for your attention to this matter. I look forward to your swift action in enforcing compliance with FCRA guidelines and protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX