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

My wallet was stolen containing my ID, social security card etc..A few days after loans, credit cards, electric, gas etc started being opened in my name using the stolen information. Sparaticly over the years I continue to be having issues with things being opened in my name. I have tried to correct this directly with the companies and have either just been dismissed all together, told it would be taken care of just to have nothing be done about it. Honestly believe they just told me what they thought I wanted to hear just to get rid of me. So I tried disputing items on my credit report some were taken care of however many still remain and have been refused to be removed. I don't know what else I can do. I know my credit is ruined, I've been homeless because I haven't been able to pass the credit portion of the application apartments or rent to own homes that I can afford turn me down I am permanently XXXX and on social security XXXX and have been for almost 20 years I have XXXX boys XXXX of which I had to send to live with other relatives because we lost our home. My youngest was only a little over a year old when I sent him to temporarily stay with his sister until I got back on my feet. He will be XXXX in XXXX and I have NOT seen him since the night she picked him up. She refuses to allow me any contact with him and will not let me know how he is doing infact I was told she would file harassment charges if I continue to contact her in anyway. She filled for custody of him and I didn't even know about it until it was all said and done. I was homeless so I wasn't receiving any mail. For first 4 months faithfully every day I contacted her to find out how he was if he needed anything until one day I was called everything but a white woman and told I was a useless no good for anything XXXX XXXX XXXX  and he would be better off having never of had me for a so called mother, she was a better mother than I ever could be she was his mother now and actually has him call her mom.I would try to set up time to visit and she would either not be home or set it up and cancel last minute, have us come and not be there when we got there and she lives in XXXX Ohio I live in XXXX Ohio . So basically my whole life has been effected one way or another by this and IS NOT GETTING ANY BETTER! Please someone help me so hopefully I can get my life back! My boys back! Our home back.
Product: Payday loan, title loan, or personal loan

I applied for 3 year loan from one main financial. It was advertised as a 3 year loan, and it still is advertised as a 3 year loan. When I signed my contract I was shown that I was signing a 3 loan. I tried to work this out with the company. But the person who was in charge of this. Doesnt work their anymore, I asked for a copy of the contract I signed. The sent me a different contract that was esigned. Thats a different contract than the one that I signed in person. Thats a five year contract thats Im paying back three times than the amount that was borrowed
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I C systems. The company was trying to collect a debt that was supposedly originally from XXXX. I have a current account with XXXX. They told me that the account was from an address in XXXX, after I already moved to XXXX. XXXX  removed the account from my credit report, however, IC systems sold the account to XXXX XXXX, who placed the account back on my credit report. I have disputed the account with XXXX, but they will not remove it, even though it is clearly fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My income is not being reported correctly
Product: Debt collection

The issue I am having is that this credit card was not opened by me. I have made multiple attempts to resolve this matter, and this issue is still ongoing. This company obtained a judgement on me in small claims court with no notification of any court date for me to attend. LVNV Funding LLC falsified that I was served, and I was never notified. Now they are pursuing a garnishment against my wages. What my concern is that how many people have they done this too. The information was just received on XX/XX/2022, of a garnishment and they filed this in the court on XX/XX/2022. I have disputed this issue over and over for years because my purse was stolen, and all my identification was stolen. I had to get replacement license, green card, social security card. Everything was replaced. Can you please direct me on getting this issue resolve. This company is obtaining judgement against people through fraudulent practices. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my consumer rights have been violated. 

The companies are violating my consumer right to privacy Pursuant to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

The companies are violating my consumer right Pursuant to 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.

Pursuant to 18 USC 8, I owe no debt.

The following accounts are violating my consumer rights. Please immediately remove the accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I closed on my home that was in foreclosure for several years. I have asked for a full financial statement showing where the closing numbers came from. The case was closed before I could get the information from the servicing company or the bank. I believe I am entitled to a 1098 From for the IRS so I can write off the taxes and interest paid. Please send the form... You have stated on the attached statement showing that interest and taxes accrued right up until the day of closing. 
I have filed a complaint with the office of the Comptroller of the Currency. They basically told me to report it with the CFPB, so I am right back to where I started. My original case # was XXXX I have paid lates fees, legal fees, maintenance, realtor fees, Insurance payments twice. I even sent a statement with a due date before the date of the letter ( proof of intent to make me fail ). I have a right to be able to write off the interest and taxes paid. You and the Trustee should be claiming the profit with the IRS as income.
Product: Debt collection

I received a letter from XXXX XXXX Firm stating that I owe a debt that is not accurate and not the correct debt. This so called law-firm is trying to use communication tactics and not following the law when informing someone of their debt. The original debt is from a fake loan company that is illegally trying to collect on fake loans/debts. I am asking the CFBP to get involved in this fake debt collection process. I am also contacting the Virginia attorney general 's office to contact this so-called law firm and have them stop collecting on fake debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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 Balance : {$19000.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$3400.00}
Product: Credit card or prepaid card

When i was in vacation ( XX/XX/2019 to XX/XX/2019 in XXXX ), unauthorized transactions ( Cash withdrawal ) happened three times in XX/XX/2019 amount {$200.00}, XX/XX/2019 amount {$200.00} and XX/XX/2019 amount {$200.00} ( total {$600.00} ). I reported and filed case six times, but the Bank has been denied my case every single times without any specific reasons even i send them my personal statement and supporting documents. Bank is not helping me at all even i went branch. I would like to compliant and start investigate with CFBC. Hope i will get my justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act these companies have violated my rights. 
XXXX XXXX Acct # 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 
Acct # XXXX, on XX/XX/XXXX & XX/XX/XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Today, I discovered that my credit report includes accounts that shouldn't be there, and I dont understand why. As part of my routine, I reviewed my credit report, only to find unexpected errors. I attempted to refresh my browser in case it was a system error, but the incorrect accounts did not disappear. Due to this issue, I ask that the documents I provided be carefully examined so I can have peace of mind.
Product: Debt collection

I received a notice from my credit monitoring service in  XXXX     2017 that my credit score had dropped. When I reviewed my credit reports, there was a company BYL Management Services LLC claiming I owed a collection debt in the amount of {$1600.00} to them. I 've  never heard of this company and have never received any kind of communication from this company about any debt owed to them. I tried to dispute this information with the credit reporting agencies and my disputes of returned with no change. I still have not received anything from this company that I owe them any money or that I ever had an account that went into collections. This is unfair and deceptive as I was  never notified that I had a debt owed or a debt that went into collections. I was never sent any kind of written notice from this company to be able to dispute the debt and get validation of the debt claimed to be owed prior to this company placing a collection account on all  XXXX  of my credit reports, and even still after this being placed on my credit have not heard from this company or been sent any information regarding this debt. This has negatively impacted me, my credit score on all   XXXX   credit bureaus, and financially because I will be denied extension of credit because if this. According to the FDCPA this is a direct  violation of my rights.
Product: Student loan

I consolidated my loan back in XX/XX/2017 with DEPTEDXXXX. The payment was in forbearance, because I was not sure how I was going to pay the monthly amount. Being that I was a young inexperience millennial, I kept delaying to figure out how I was going about paying my monthly payment. Then I just started a job paying about {$18.00} an hour, but couldn't figure the entire loan set up. Now I have a more stable financial situation, I am currently working on a payment plan with DEPTEDXXXX.
Product: Debt collection

XXXX XXXX at XXXX made formal notification of XXXX XXXX account delinquency of {$6800.00} to external collection agency, Coast Professional , Inc. Have written to Coast Professional Inc XXXX to substantiate and verification of debt in separate mailings. On XX/XX/2022 notified New York Attorney General of my on-going debt collection circumstances. On XX/XX/XXXX. XXXX  notified Consumer Financial Protection Bureau of my need to open a new student account checking with XXXX  XXXX XXXX and notify XXXX XXXX XXXX XXXX. At present, I feel its necessary in notifying my XXXX Term Life Insurance Policy of all these changes in order to proceed with disputing the {$6800.00} with Coast Professional , Inc, debt collection agency on behalf of XXXX XXXX at XXXX, current holder of defaulted student debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$20000.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mortgage loan was transferred to LoanCare XXXX from XXXX Bank on XXXX. As of XXXX I still have not received any information from LoanCare on how to make any payments on my loan. After I contacted my old servicer, XXXX, they gave me LoanCare 's website and my new loan number for LoanCare. After using this to log on to LoanCare 's site, LoanCare will not honor the full 15 day grace period in my loan documents, and insists on charging extra fees to process payments after the XXXX day. In addition, I have written an email to LoanCare and called and waited on hold for 30 minutes before I was hung up on. I have still received no response from LoanCare.
Product: Mortgage

Select Portfolio Servicing is our borrower for a rental property we own in XXXX XXXX XXXX XXXX XXXXXXXX We have paid our monthly payments every month on time until we received a doubled bill. We paid the doubled bill and called them to ask why they are charging so much. They claimed that they are taking money for the property insurance and taxes. I proved to them that i pay all this independently and asked them to correct the monthly payment to the original one and refund the additional money i needlessly paid for good standing and they did not do anything about it. 
I spoke to a different rep every couple weeks, begging them to stop harassing me and re-proving that i owe them no such moneys and still, they don't stop demanding money they don't deserve. They have started a forecloser process when there was no need, they have ruined my credit and are literally bullying me in demand of monies that is not theirs to demand. 
I have provided them with every document they've asked for in proof of my justice and still they continue.
Product: Mortgage

There are delinquent taxes against the property I've recently acquire ( Delinquent Tax Bill attached ). Neither the lender ZINC financial, or XXXX XXXX XXXX  XXXX   are taking ownership of the issue as they both keep pointing fingers to each other. In fact, XXXX XXXX now wants me to absorb the cost of the delinquent taxes I do not own. 
This is the second complain file against ZINC ( CFPB complaint XXXX attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to by property the lender pulled up FICO score but the score does not show their report. Without the FICO score lender can not process the loan XX/XX/2021 So I want to fix FICO score I have all the reports from company There is no problem on the on the report but only there is no score
Product: Credit reporting, credit repair services, 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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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, 2023
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am writing to request a correction on my consumer credit report. Please delete off my credit history the following closed account that appears on my Experian report, it showing incorrect information, Thank you for your assistance. 

Account name : XXXX XXXX XXXX. 
Account number : XXXX Date opened XX/XX/XXXX Original Balance ; {$750.00} Status ; paid, closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request a correction on my consumer credit report. Please delete off my credit history the following closed account that appears on my Experian report, it showing incorrect information, Thank you for your assistance. 

Account name : XXXX XXXX XXXX. 
Account number : XXXX Date opened XX/XX/XXXX XXXX XXXX ; {$750.00} Status ; paid, closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Business Card has marked me late for two years despite the payments being auto-debited from our bank account. It has ruined my credit, my life and they will not help me. There are definite notes on my account reflecting this issue and I am currently challenging the marks again via XXXX XXXX. 

In XXXX of XXXX my bookkeeper, who I had arrested this past year for embezzling, stopped paying my bills amongst many other nefarious activities. 
It took me almost 6 months to realize this and by that time was forced to close my account. 
I got set up on a payment plan and all was great for a year. 
I never received a statement of account or anything else other than a generic monthly " Your payment is due '' notice. What Chase failed to alert me to in any way was that the original payment plan expires at a year ... So in XXXX of XXXX I went late, and in XXXX called after not seeing my payment being extracted out. Surprised to hear I was no longer in a payment plan I eagerly set up another. This was in affect for XXXX. What Chase failed to do was let me know that I was two payments behind or that I owed X amount of dollars to get current. No, I was just placed back on an auto-debit that extracted monies monthly ... ... ..35 days past their actual due date. 
So for the following year and a half I was marked late every month and no, I wasnt contacted alerted, no late payment notice, just the same generic " Your payment is due '' notice. There wasn't even a way to mount my account online, it didn't exist ( At the time ) After seeing my FICO number continually decreasing I thought something must be up and I dug deeper. I actually was surprised that my personal credit could be affected by a business account to begin with. I thought that was horrible to tie a personal social security to a business and I never signed a Personal Guarantee. 
I started calling Chase because its the only thing that could be dragging me down, we finally spoke to XXXX XXXX who was able to see that for the past almost two years Chase, despite extracting the money through an ACH, had been taking it 35 days late and reporting me late. Every month. 
So I write this complaint to try and rectify the situation. XXXX said she could help but refused to. I have had my life ruined and there's no culpability from Chase, no help, no anything. I am damaged from them. 
Please help.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my right, And lists of unauthorized 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.