23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been dealing with on and off phone calls with equifax because they are not reporting my credit cards and I dont have a score with them. I have had credit cards for than XXXX XXXX now, I have been on many phone calls with them for more than XXXX XXXX and none of them are solving my problem. I still dont have a credit score with them, and they dont seem to be fixing the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information is incorrect and closed accounts showing as opened and theres a lot of fraudulent accounts opened by identy theft but all the companies keep saying everything is accurate when its not this isnt fair to me and my credit my information was jeopardized and now my credit is ruined and I have to pay for everything thats not right
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit is being used inappropriately without my consent and against my XXXX XXXX by XXXX XXXX who somehow prove to these credit agencies they are not in error when it's reported that I am Full Faith In Credit and I have discharged my debt with my original mortgage company and don't hold or have a contract with any mortgage company furthermore all DEBTS AND INTEREST BELONG TO ME THE ENTITLEMENT HOLDER.
Product: Checking or savings account

Hi i had an account with Citibank and someone did fraud on my checking account They cashed in a For {$10000.00} and i disputed the check an it took them 5months to investigate and to tell me they couldnt help me
Product: Debt collection

I XXXX XXXX is writing this letter because of a debt that was placed on my credit profile by Debt collector Jefferson Capital and account number XXXX. I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has 5 days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights. 

Per consumer law 15 U.S. Code 1692g - Validation of debts- If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights A letter was sent for Validation of this debt and proof proper notice was submitted, however Jefferson capital refuse to provide the information.
Product: Credit card or prepaid card

on XX/XX/2018 Merchant XXXX XXXX XXXX College charged me {$60.00}. This is a billing dispute as this amount was paid in cash. The transaction was initially processed via credit card in person up until the point the chip reader was malfunctioning. The representative stated I could pay in cash since the payment processor was not functioning normally. At this point I agreed to cancel the electronic payment and proceed to pay in cash. As I left the college, I found out I was charged on my statement. I did not authorize this charge and am not responsible for the amount on my billing statement. Witness XXXX XXXX. Claim was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following credit inquiry on my Experian credit report is fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX XXXX, XX/XX/2018 XX/XX/2018
Product: Debt collection

CCS AKA CENTRAL CREDIT SERVICES INC AKA RADIUS GLOBAL SOLUTIONSPosted in : XXXX & XXXXXXXXWeb site with alleged contact info : XXXX lists them as an accredited business with an A+ rating and XXXX complaints : XXXX ... XXXX page : XXXX 
XXXX lists the head criminals in this organization : XXXX ... XXXXXXXXCheck out the CCS Companies listed at multiple locations & phone numbers above after reporting the callers still Received Scammer/Harasser calls from ( XXXX ) XXXX XXXX in XXXX, MA. ( CCS Companies on Caller ID ) that constantly call for the last 10 years - most recently on : * Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Tues. XXXX/XXXX/15 @ XXXX Thur. XXXX/XXXX/15 @ XXXX Thur. XXXX/XXXX/15 @ XXXX Sun. XXXX/XXXX/15 @ XXXX Sun. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Fri. XXXX/XXXX/15 @ XXXX Tues. XXXX/XXXX/15 @ XXXX from ( XXXX ) XXXX XXXX XXXX ( Debt. Collector ) looking for XXXX XXXX or XXXX XXXX to call her at ( XXXX ) XXXX these Debt. Collectors have my phone number seeking the people who formerly had my phone number & I 've called back to let the Scammer/Harasser know this is the wrong phone number & they can find the " Persons of Interest '' on XXXX XXXX XXXX since XXXX XXXX is currently XXXX - I do n't answer unwanted Annoying Phone Calls on my unlisted number & Reported to XXXX.
Product: Payday loan, title loan, or personal loan

We did not apply for a loan at all and received {$0.00} funds. They have txted my husband on my phone to collect first payment. When we called automated system said we had a zero balance. When transferred to a live agent he tried to collect {$250.00}. Payment due. When I called it a scam he wanted our vital info to proceed with a claim. 

Call XXXX for a dose of the same!
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act USC 1681 Section 602 ( a ) states " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. Which under this act I have the right to make sure that my information remains private and isn't shared. But it seems that my rights are being violated due to the collections I see on my consumer report. Pursuant to 15 USC 1681b " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with written instructions of the consumer to whom it relates. I in fact DID NOT give consent to have anything added to my consumer report which is a direct violation of the Fair Credit Reporting Act. This is also considered identity theft according to 12 CFR 1022.3 subpart A ( h ) " Identity theft means fraud committed or attempted using the identifying information of another person without authority. " Again I gave no written consent at all for this action to take place which is against the law. XXXX and XXXX do not gave my consent to furnish this information and for certain do not have my written consent. All consent to XXXX and XXXX whether it is verbal, non-verbal, written, implied or otherwise is revoked. Also according to 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 several years. '' These accounts are adverse items they are reporting as I said before without my permission which is against the law. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining the proper procedures. And, 12 CFR 1016.7 States that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services. The following accounts are below : Credit Management Lp Date Assigned : XX/XX/XXXX Balance : {$850.00} Furnisher of information : XXXX XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Balance : {$460.00} Furnisher of information : XXXX XXXX XXXX  XXXX XXXX. 

Midland Credit Management Date Assigned : XX/XX/XXXX Balance : {$660.00} Furnisher of information : XXXX XXXX XXXX  XXXX. 

*PLEASE NOTE : LEGAL ACTION WILL BE TAKEN ON CONDITION THAT THE ABOVE CONSUMER REPORTING AGENCIES FAIL TO HONOR THE RIGHTS PROTECTING I THE CONSUMER*
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One XX/XX/19 & XX/XX/19 showing on my XXXX  Credit Report in which I have not applied for any credit or increase. or new cards. Capital One Bank has no reason to be running credit been I not applied for any new credit.
Product: Checking or savings account

There was an incident occurred with my Chase Business account whereas an unidentified amount of {$350.00} was shown debited from the account. I inquired to a Chase personal banker and they inform me it was a wire but could not identify the source. I immediately took action and closed the account under the suspicion of fraudulent behavior and Chase credited back the funds to my business account. It was later revealed to me from XXXX XXXX that my account had gone into 30 delinquency mode. I have an outstanding record of on-time payments with XXXX XXXX XXXX Apparently, the unauthorized wire of {$350.00} that posted to their records on XXXX, 2021 ( for my XX/XX/2021 car payment ) was reversed. XXXX reported to the credit bureaus ( XXXX, XXXX and XXXX ) as delinquent. I spoke with supervisor XXXX XXXX at XXXX XXXX explaining the situation requesting that this delinquency be removed and that I have a letter from Chase explaining my creditworthiness and the situation. They referred me to email their resolution team ( XXXX ). I also disputed with credit bureau and they are saying XXXX is not cooperating to remove the delinquency.
Product: Mortgage

Bank of America has violated the National Mortgage Settlement ( NMS ) and is liable under the California Homeowners Bill of Rights ( HBOR ) 2924.12 ( g ). 
While Bank of America concedes the submission and receipt of a complete Request for Mortgage Assistance ( RMA ) application package as evidenced by the Bank of America initial review of the received as complete RMA resulting with the XXXX XXXX, XXXX incorrect MHA HAMP denial that was later GRANTED upon the Bank of America Appeals Department reviews of XXXX XXXX and XXXX XXXX, Bank of America has not provided the required five day notice to the borrower in accordance with HBOR 2924.10 ( a ). Also and in accordance with HBOR, there is no deadline for servicer 's to complete the modification process. 
Additionally, Bank of America can not record an Notice of Default ( NOD ), a Notice of Trustee Sale ( NTS ), or conduct a sale while the modification process is pending per California Civil Code 2923.6 ( c ). No deadline for borrower 's application. No deadline for servicer 's RMS evaluation. 
Therefore, the NOD recorded on XXXX XXXX, XXXX must be withdrawn by the recording of a Rescission with the XXXX XXXX County Recorders Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under the impression that I was signing up for Transunion 's {$1.00} credit check. 

I had done this with 2 other agencies and wanted it on Transunion just to double check my information since I was applying for apartment. 

I have no idea how I signed up for anything outside of the trial period, I was reading each screen carefully. This month, about 2 months after signing up for Transunion, I realize I have been getting charged $ 25 monthly. I called and they said they would only reimburse me for 1 month. 

On top of that, online it says their monthly fee is {$19.00} so I was getting charged MORE for a product that I didn't even sign up for. 

This almost feels like a scam. I signed up for the other agencies with no problem like this, Transunion is the only one that did this. This is a disgusting, sneaky thing that they did, but it is even worse they are continuing this practice during COVID, and that they wouldn't refund more than 1 month.
Product: Debt collection

LVNV Funding Wont remove a debt it keep being removed and then put back company has no records. Reps called and were rude or called so many times I had to change my number. I called spoke with a rep told them I was filling dispute with I have 9 times.

XXXX XXXX keeps inserting a old bright house bill past 10 years old. Once again it gets removed through the credit companies. And 2 year so maybe put back on which is dropping and surging my score. It creates hardships for me. I follow the rules I dispute but it doesnt matter because collections companies dont follow the rules they sell it and another collection company stars to harasses me.
Product: Debt collection

A letter was received from a collection agency called XXXX XXXX , XXXX on XX/XX/2020. An outstanding debt is indicated for Raymour & Flanigan. Credit has never been requested or taken for this company, we understand it is identity theft.
Product: Money transfer, virtual currency, or money service

I'm failing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices which violates the customer financial protection act ( CFPA ). Specifically. Cash app failed to take timely and effective measures to provide an address fraud on this platform leaving my account valuable and unprotected furthermore their disputes resolution process was unfair and deceptive. As they did not comply with error resolution requirements under the Electronic Funds transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial losses and I seek appropriate redress of these violations
Product: Debt collection

IQ Data International continues to call me after I sent them a letter to contact by written correspondence only. I have faxed them a letter at XXXX XXXX XXXX. 

The first time was XX/XX/year> at XXXX. 
The second time was XX/XX/year> at XXXX.
Product: Debt collection

I have not consented to, authorized, nor benefitted from XXXX XXXX XXXX account appearing on my credit report. XXXX XXXX XXXX is and have been using unlawful, extortionate means to commit abusive, deceptive, and unfair debt collection practices to ruin my financial reputation. I have sent XXXX XXXX XXXX a request for debt validation and it was insufficient to my request. Documentation supporting the charges is not the same as a trilateral contract stating that I agreed in writing to pay XXXX XXXX XXXX anything, as they are not the original creditor. In regard to this, I do not believe my credit report is a true reflection of my credit or my credit worthiness. This XXXX XXXX XXXX account is currently in litigation with HUD and the Department of Justice since XX/XX/XXXX. I have no problem pursuing litigation against Experian as well as XXXX XXXX XXXX for causing credit defamation. Experian along with XXXX XXXX XXXX are causing credit defamation by reporting this account because Experian has failed to perform their due diligence to ensure they are reporting accurate information. Also, if Experian had performed their research correctly, they would have known that XXXX XXXX XXXX IS NOT AUTHORIZED IN THE STATE OF LOUISIANA TO COLLECT A DEBT ( YOU WILL SEE PROOF ATTACHED ). XXXX XXXX XXXX has been active since XXXX but does not have a collection agency license, debt collection agency license, or a collection agency license to collect debt in Louisiana. Experian and XXXX XXXX XXXX is in direct violation of furnishing this account without my consent and invading my privacy. XXXX XXXX XXXX is also in direct violation of a cease and desist order, and this includes all mediums including my credit report. I AM ASSERTING MY RIGHT AS A FEDERALLY PROTECTED CONSUMER AND I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION THAT I, THE CONSUMER, MAY HAVE GIVEN YOU WRITTEN, NON WRITTEN, VERBAL, AND NON VERBAL PER 15 USC 6802, EFFECTIVE IMMEDIATELY AND INDEFINITELY.
Product: Debt collection

I have no idea who XXXX XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX, that authorizes y
our company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

XXXX XXXX has violated the Gramm Leach Bliley Act Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting  agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting or other personal consumer reports

Proof of validation and verification of debt with full name and address and if charged off, I never received 1099. 
XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following creditors are falsely reporting accounts to my credit report that were opened without my knowledge or consent. I have already filed an Identity theft report and a XXXX XXXX XXXX  report. I demand these be removed immediately from my credit or I will pursue legal action since I am protected under the fair credit act section 609. The following accounts must be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint in this site on XX/XX/XXXX regarding Wrong information showing my XXXX that I have disputed multiple time and Hyundai intentionally keep reporting This account is paid off since XX/XX/XXXX. attached are the documents Balance {$510.00} Highest Balance {$0.00} Opened XX/XX/XXXX ( 4 yrs, 2 mos ) Term 72 months
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this item removed from my credit previously due to it being a fraud account. Experian is the the only CRA that continuously puts it back on. I never attended XXXX University. I have never taken a single class with these people. My wallet was stolen some years ago and I try to stay on top of my credit in case things pop up that I did not do. Experian has made this process extremely hard.
Product: Credit card

I bought gift card from XXXX XXXX XXXX XXXX  gift card using my American Express Card. The card was never activated. Receipt from XXXXXXXX XXXX that " proves '' it was activated does not show card being activated. Amex and Merchant refuse to engage, stating the case is now closed. Item was never useable, XXXXXXXX XXXX  is committing fraud. I am out {$250.00}.
Product: Credit reporting or other personal consumer reports

My mortgage loan with XXXX XXXX was in forbearance from XX/XX/XXXX through XX/XX/XXXX. At that point when it ended, I was assigned a SINGLE point of contact by the name of XXXX XXXX. He initiated me to contribute forms I needed for loss mitigation to assist with mortgage payments. I have sent forms to them multiple times, 2 to be exact via fax and they somehow never received them. I have had to send forms via fax and mail, for them to only say they don't have it. Fast forward to XX/XX/XXXX, XXXX received the documents and starts his review. XXXX was aware I had an alternate address but did not tell me that I needed a letter or explanation. He also had me send the wrong documents for the wrong program. They stated via phone that XXXX had placed me in the wrong program. For months we are attempting to apply to a program that I was never to be placed into. XX/XX/XXXX, I sent another letter detailing explanation of address, and emailed XXXX to please tell me if anything else is needed as he stated before nothing else was needed. After complaining and changing out point of contacts to XXXX XXXX, they approved a loan modification XX/XX/XXXX. I say this all to say they have reported late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was dealing with someone, an employee of theirs ( XXXX XXXX, who not very helpful or clear on which program he had placed me in. It took the higher ups to step and state how XXXX did not have his best foot forward in my situation causing confusion and my payments to be marked as late. I later one sold the home in XXXX, however, these late payments are affecting me tremendously. I have tried to speak with the supervisors in Loss Mitigation and to no avail, they will not talk to me. I no longer know where else to go. I want to sue them as of now if I can not get them to correct the late payments as an offer of good will, due tot he mistakes of their employee that was not properly trained.
Product: Student loan

XXXX I began the process in applying for the Public Service Loan Forgiveness Program PSLF. Due to COVID-19 in XXXX the process was delayed. Around XX/XX/XXXX I was approved for the PSLF program. XX/XX/XXXX I provided an updated employment verification form which was sent by my employer and received by Fedloan. I placed a call to Fedloan in XXXX to verify when I would need to provide an updated paystub at which point the customer service representative stated it would be due by the end of XX/XX/XXXX. 

I called customer service approximately 23 times since XX/XX/XXXX to present with no response. Hold times varied from one hour to three hours including automated call backs.

I uploaded the paystub to their web portal however no response as to payment amount or additional process, furthermore I left approximately 9 emails with no response.
Product: Debt collection

My identity was stolen. I filed a complaint, police report, affidavit, etc. I contacted the original company, and the collection agency to resolve this debt. Both of them keep sending me to each other, and neither will help in resolving this issue. I have spoken to supervisors at each company and still get the same answer- contact the other company. I want this debt removed from my credit, as it was fraudulent. The collection agency even offered to settle for {$300.00}! I am not paying a dime to a company I never had an account with!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible. SEE ATTACHED.