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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

In case cashapp tried to deflect the situation and said that they found no errors occurred on my account new account and my first account. Theres plenty of other former cashapp customers who went through the same issue as well. Here is my contact information in case CFPB wants to get in touch with me, XXXX
Product: Vehicle loan or lease

I purchased the Vehicle a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$36000.00} and {$420.00} for the title work. Ever since I purchased I left all the pertaining information and paperwork in their hand to finalized the transaction and get my tittle for the vehicle. To this date XX/XX/XXXX I have not receive any kind of information from the dealership about the tittle being issued at all. I have contacted the seller and the tittle work person and so far no response in the whereabouts of my tittle. But they got the money back in XX/XX/XXXX. I want either all my money back plus the interest that I had paid so far to the USAA bank and the fees I pay them to do the tittle services which they failed.
Product: Student loan

On XX/XX/XXXX i was informed from my parents that Navient loans from the department of education called. They left a voicemail stating that i was past due on payments from their department ; stating that i was supposed to start making payments the beginning of XXXX. I am in the military ; when i left for the military it was in an agreement that i would be on an XXXX XXXX military deferment until XX/XX/XXXX. Since being in the military i have taken college courses paid for by the XXXX XXXX. Being that i have taken college classes, Navient reactivated my student loans. I never received any mail from Navient. They said they have sent me multiple emails, emails which where being sent to an email used by XXXX XXXX XXXX College ; which i no longer have access to. After receiving the voicemail on XX/XX/XXXX I called Navient immediately. They fixed my missed payments and put my account on hold until XX/XX/XXXX. The next day I checked my credit score,  seeing that my score dropped from XXXX down to XXXX, due to 90 days missed payments. I called Navient customer service, explained the situation. Then I was transferred again to the military department within Navient. I again explained my situation with the credit report, not receiving emails, only receiving the one voicemail left on our home phone number on XX/XX/XXXX. The customer service representative gave me the run around and said, there was nothing they could do to fix the issue once reported since it was accurate information. Now i am seeking help to solve this issue. If I knew student loans opened after taking XXXX  college courses, I would have made sure to pay them on time and not miss any payments. Since I was never notified effectively, I could not ensure that this was taken care of.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$36000.00}
Product: Credit reporting or other personal consumer reports

I have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to. I will be placing complaints with the CFPB, the Attorney General, and the 3 major Consumer Reporting Agencies
Product: Debt collection

Brightwater Capital through XXXX XXXX and XXXX XXXX XXXX Georgia have recently garnished my paycheck on XX/XX/XXXX and XX/XX/XXXX for a debt that was already satisfied by $ XXXX/month consecutive payments made first in XX/XX/XXXX through XX/XX/XXXX. I have my cancelled checks as evidence. It would appear that once i satisfied the debt, the debt collector had a responsibility to file the appropriate dismissal with the same court they filed the suit in. This unlawful garnishment has caused me and my family immeasurable pain as I had my home on the market and was under contract for my new home when I was made aware of the garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times with the credit bureaus to remove fraudulent information. I havent gotten any forward movement. I am attatching all the needed docs to look into my case. Im hoping you can help.
Product: Debt collection

CAINE & WEINER has been attempting to collect a debt that they don't have any rights to according to UCC 3-203. and has also given my information away to consumer reporting agencies infringing on The Privacy Act of 1974. 3-203. I have never done business nor has had a contract with CAINE & WEINER. Transferring a security doesn't give rights to whoever it transferred to and only the original creditor can come after me, which is who I signed with, but they lost their rights once they transferred. UCC 3-203 TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
Product: Debt collection

Debt was signed in Colorado with original creditor. Then, all of a sudden a company cal led Midland Credit filed  a judgment against me and sent a process server to knock on my door at my current residence in Florida at  XXXX  on a Saturday and made a ruckus with my roommates by doing so and posting threatening notes on our door. Unlawful practice needless to say. Secondly, I was never given the opportunity to resolve the matter with the company directly before they filed the judgment in the state where I currently reside. I am currently unemployed and can not pay the debt in full at this time. I am willing to work on a lower number or payment plan with them but ONLY if they remove the judgment that they filed against me in  XXXX   XXXX   XXXX , Florida.
Product: Credit card or prepaid card

On XX/XX/XXXX, FS Genesis Card Services issued a system generated replacement credit card ending in XXXX. When I XXXX XXXX called in to speak with an agent, I was told that t6he system generated the card on XX/XX/XXXX. On XX/XX/XXXX, I called back after speaking with the post office being told that the piece of mail had not been received by the USPS. I was then told by FS Genesis that I would have to wait 2 more weeks and being frustrated with me the agent hung up on me. I called back and XXXX, another agent told me that the first card was never sent due to a system error. He told me that a new card had been reissued on XX/XX/XXXX. He proceeded to tell me that as it is only 5 days from that date, that I would have to wait a full 7 to 14 days to receive the card. The issue that I was told that prevented the card from being shipped after the final call on the XXXX of XXXX was that FS genesis card services was short on card plastic. Prior to this, all agents were telling me that the cards were in the mail already and that I would have to continue to wait for the card.
Product: Credit reporting

The have the wrong address on my Equifax credit report. I have attached my correct address
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any items listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to the report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) theCREDIT REPORTING AGENCIES shall block any information in the file of a consumer that theconsumer identifies as information that resulted from alleged identity theft, not later than 4 businessdays after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writting to you as a holder of the account XXXX XXXXXXXX from XXXXXXXX XXXX XXXXXXXX for my credit card to report an issue negatively impacting my credit report. this issue appears to be in violation of the provisions of 15 U.S CODE 1666B and other relevant sections of the fair credit reporting act ( FCRA ).

Additionally the FCRA specifically sections 15 U.S CODE 1681i and 15 U.S CODE 1681S-2. 
I formally request that you investigate and correct any innacurate information related to these late payments on my credit report. 
Below are the details affected payments : XXXX XXXX and XX/XX/year>. 
Transunion XXXX XXXX. 
XXXX XXXX and XX/XX/year>.
Product: Student loan

I currently have multiple loans through Sallie Mae that I have been paying since XXXX. I recently became unemployed and have not been able to keep up with my repayments. I contacted sallie mae on 2 separate occasions ( XX/XX/XXXX ) to get information and help as to how to go about this process and was told to just stop paying my loans which would result in damage to my credit score as well as my co signers credit score. No information was provided and i have not received anything further. Upon looking into my loans they have changed my payment amount without notice and have not been applying my payments to my principal loan and have just been using them for the interest which was also not stated prior to this shift.
Product: Mortgage

Amerihome mortgage loan # XXXX I made a payment that cleared on XX/XX/XXXX for {$420.00}. * This amount was more than the minimum {$400.00} payment* It was processed as a interest only pament. I contacted amerihome mortgage and they assured me it will be fixed very quickly. i waited 16 days. I have had a difficult time with them in the past, where I was being taxed in escrow - but I am exempt from taxes.That was from XX/XX/XXXX complaint. I never received credit towards principal or refund from that issue. So I was worried that they were going to report me for not making my XX/XX/XXXX payment I made another payment on XX/XX/XXXX in the amount of {$400.00}. Then I the received a letter stating my escrow account was going to have a shortage. I understand my homeowners insurance is going up {$130.00} a year, and my pmi is going down {$11.00} a year.I had two choices, either send in a escrow only payment for {$200.00} and my new payment would go up to $ XXXXOr I could also do nothing and my new monthly payment would be $ XXXXi called XXXX about this and was told no matter how much I paid extra into interest/insurance escrow only my payment would not be allowed to go back to the {$400.00} payment I struggled to get when they where collecting taxes ( which were never paid cause I do not pay taxes ) So paid online on XX/XX/XXXX $ XXXXToday is XX/XX/XXXX, there website, phone tree states I owe {$430.00} coming up first of XXXX. They have also reported to the credit bureaus that my home Loan actually increased {$170.00}, and that my minimum payment is not {$400.00} or {$410.00}, but {$430.00} this was reported to them after my XX/XX/XXXX payment of {$200.00}, I requested a new account analysis because the amounts of money in escrow seemed greater than what was stated in the letter .My payment due date is fast approaching for XXXX. I know understand why they first told me when I got the loan that I would receive a payment coupon book. They said no, I will not receive a payment coupon book.So they can change my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit card

I made a purchase online from XXXX for an item to be shipped to my home address. The item was shipped via USPS to my address. On the day the tracking number was shown as being delivered, I went to collect my package. No package was found at the mailboxes, around the property, or by neighbors. I disputed this charge with USPS to no avail based on the driver marking this package as delivered. There are no photos to show proof of delivery, and no signatures collected for the delivery. XXXX XXXX states in their order confirmation that any delays or lost packages should be disputed with the carrier company. I could not find any information on XXXX XXXX help FAQ to indicate I could resolve lost packages with the company directly. I took to Chase to dispute the charges. XXXX XXXX in their response to the Chase inquiry about the dispute, argued that this charge was valid based on the USPS tracking. I counter argued this point that there is no physical proof of delivery, and sent that response back to Chase. Chase concluded because I couldn't prove I didn't have the item except for lack of owning it, I must pay the {$180.00} for the product. Per FTC, I am not financially liable for a product I never received, and seek compensation for the full product amount.
Product: Prepaid card

In XXXX I received a prepaid card that was managed by myprepaidcenter.com and has an expiration date of XX/XX/XXXX. I registered the card and gave it a pin number in order to make purchases but the card was declined whenever I tried to use it. I kept the card in my wallet but forgot about it until about a year later. I was getting close to the expiration date so I reset my pin number again and this time it started working. I made a few purchases with it but I had not used all the funds on the card by the expiration date. I believed that the funds would still be available and I would be able to request a new card to continue using the balance since the words " FUNDS DO NOT EXPIRE '' is written on the front of the card. When I called the company to ask for a new card I was told via pre-recorded message that the card is beyond the expiration date, the funds are no longer available, and the card can not be replaced. I no longer have access to the cardholder agreement as I can not log into the account with an expired card. I believe the practice is extremely misleading as the company 's policy directly conflicts with what is physically printed on the card.
Product: Credit reporting or other personal consumer reports

Social security number was a breach and massive data breach from f t c as well as my employer XXXX XXXX XXXX corporation massive Data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a checking account at Capital One and was declined based on information from XXXX XXXX XXXX. I spoke with XXXX at XXXX XXXX XXXX and she informed me that their address is : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX I have a perfect credit score, make XXXX, have no debt, use credit responsibly, and do not bounce checks -- EVER. I feel I've been targeted and discriminated against by this agency.
Product: Credit reporting

Experian is taking a XXXX on me and their subsidiary, CFPB since XXXX. 
They ignore my requests to show me my credit report because they messed it up, and my credit score too, and CFPB is doing absolutely nothing to compel them to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with Discover card services and I requested a credit line increase 0n XXXX, I was shocked when they denied me because I have excellent credit. I waited for denial letter which states they received report from XXXX. All of the information is wrong I immediately called XXXX, XXXX rep told me Discover has not checked my credit and that my last inquiry was in XXXX and not from discover card. XXXX told me to call them when I called they are denying it and claim they got information from XXXX. Not sure where discover card received their information from because I have no inquiries on my XXXX report from them. The information they are providing me is completely wrong, I have NO outstanding balances on any of my credit cards, my credit rating Is exceptional and very good.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX  XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX  I XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

BMO Harris is refusing to release the lien more than 10 days after loan has been paid off ( acct # XXXX ). BMO Harris has made the process of paying of the loan extremely difficult, with policies that limit the options available to pay off the loan. On XX/XX/2023, I followed the payoff process ( provided by BMO ) and had my bank send a check for payment in full ( per the payoff ). On XX/XX/XXXX, I was informed that BMO returned the check to my bank ( with no explanation and no attempt to take payment ). I called BMO and was able to process a bank transfer ( for a higher amount ) that satisfied the loan. On XX/XX/XXXX, I received email confirmation from BMO that the account was paid and closed. I was then unable to access any online account information. It is now XX/XX/XXXX and I have not received my title. I called BMO and was told that they do not initiate a lien release until 17 business days after the loan is paid off. I informed the agent that that was not compliant with the PA ELT program, which requires the lien request be released electronically immediately upon payment. They said that they did not need to comply with PA law and that they only follow the bank policy. I would have to wait. BMO also refused to send me a letter showing the debt paid in full. This would allow me to get the title reprinted at the PA DMV ( for {$58.00} ). I spoke with the PA DMV and was told that without the released title or letter of payment, the bank was holding me XXXX ( their words ). The actions of BMO are unconscionable and place an undue burden on the consumer, after the loan has been paid in full.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. 

XXXX XXXX XXXX, Account # XXXX