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

I XXXX XXXX : XXXX the living breathing man/ likeness of XXXX Have disputed and challenged these inaccurate reports with the Department of Education THE US DEPARTMENT OF EDUCATION XXXX DIRECT LOANS, I challenge all claims that I, XXXX and a debtor and or responsible for the any portion of the Public Debt of the UNITED STATES corporation I XXXX Am the living man and possess the security that was pledge for the Debtor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other variation or spelling of the ALL CAPS LETTER legal Fiction / Federally owned and created NAME Pursuant HJR 192 of 1933 and the BANKRUPTCY ACT all debts are an obligation to the UNITED STATES OF AMERICA which is a Corporation. 
I act in accordance with the folllowing U.S. Supreme Court XXXX : XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX XXXX family last name am the public agent of record, without recourse and private sole beneficiary and executor of the Estate and NAME of the Private Business Trust XXXX XXXX XXXX ; the Secretary of the Treasury of the United States being its fiduciary/trustee. 

I, XXXX XXXX XXXX XXXX XXXX family name am a XXXX XXXX  XXXX XXXX XXXX XXXX defined by Section One of the Fourteenth Amendment to the Constitution for the United States of America said status having been protected by the former constitutionally created civillian government outed as of XX/XX/year> ; and during the provisional military government temporarily imposed by the congressionally approved and confirmed Proclamation XXXX XXXX  XX/XX/year> -- -a Post -- -XXXX  XXXX XXXX  Private American Non-Citizen/ National protected by Section One of the Fourteenth Amendment to the Constitution of the United States of America XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, COLLECTION BUREAU OF add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA COLLECTION BUREAU OF has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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 your act without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX someone tried opening a Capitol One/Cabellas credit card with my social security number. I immediately called all 3 credit bureaus and Capitol One and reported the fraud. On XX/XX/XXXX a second credit card with the same company was attempted again using my social security number. I called a second time and reported the fraud. I also wrote a letter to Capitol one and XXXX  to remove the hard inquiries on my credit report and froze my credit. I've now called again because now there are two addresses on my credit report that are not mine. This has hindered my credit and is absolutely ridiculous that it is now almost XX/XX/XXXX and this is still not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted complaint # XXXX on XX/XX/2018 advising that I am unable to log in after creating an account, so I can not self service any freezes and unfreezes. 
Along the way Equifax illegally put a freeze on my account after I specifically told them NOT to because I want this to be self serve, and along the way I was told it was fixed which it was not. 
We're not 60 days out from my initial report and as of ten minutes ago I still can not log in. 
This needs to be fixed TODAY. 
If it can NOT be fixed TODAY Equifax must delete ALL of my data and never collect it again, since they are not capable of conducting the business they're in. 
Still open as of XX/XX/18 XXXX XXXX So now here 's a third complaint. 
I want a phone call within the hour from the executive offices at Equifax and that call will tell me that the problem is fixed.
Product: Mortgage

Was on XXXX XXXX and sustained a XXXX XXXX injury that transferred me to the XXXX XXXX XXXX XXXX in XX/XX/XXXX - XX/XX/XXXX. Tried to lower my mortgage payment through loan modification with Wells Fargo as I could not sell or rent my home at that time, was dealing with health issues, and was going through a divorce. Lender Wells Fargo told me to not pay my VA Mortgage, as they could only help me if I was behind on payments. After months of submitting paperwork, and making payments to their modification program, I was denied modification and my VA loan was put into foreclosure ( I was on XXXX XXXX with XXXX XXXX ). Was forced to short sell my home during the housing crisis in XX/XX/XXXX or face foreclosure. Wells Fargo then filed against my VA loan eligibility for the loss in the short sale - this was never communicated it could happen to me by Wells Fargo, or my agent. I still to this day can not get a full VA home loan due to this debt that Wells Fargo fraudulently set me up for. I have spoken with Wells Fargo many times, appealed, they will not help. I asked my congressman, XXXX XXXX to help, and the department of Veterans Affairs does not have a program in place to address this issue. I was taken advantage of during a time when I had multiple XXXX and was under doctors care - as well as being protected by Acts for XXXX XXXX soldiers. I need help, as for 7 years I have tried to remedy this issue and no one will or wants to help me, including the creditor. I was medically retired 100 % VA service connected in XX/XX/XXXX due to my injuries. I communicated my health issues to Wells Fargo, and they took advantage of me while injured on XXXX XXXX with the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Hello, I used to have a TCF bank account ( both saving and checking ) when I was studying in college through XXXX until XXXX, TCF bank was the only bank in my school area. After graduating from school and married, I went to TCF XXXX, Illinois location in XXXX to close down both my accounts with TCF due to the distance. I withdraw all my savings and TCF bank clerk helped me to " close '' my account. 

However, since early XXXX, I started to received bills from Hungtington bank, who later bought TCF bank in XXXX and TCF doesn't exist anymore. And the Hungtinton bank bill keeps charming me " overdraw ' fees ( {$10.00} ) every month. I called Hungtington customer service line ( XXXX ) twice in XXXX to report this situations. First, I am no longer a TCF active user and already closed my account. Second, I never give authorization to Hungtington bank to open a 'new account ' with them and disclose my personal information ( my home address, SSN, name ) to them. After communicating customer service 2 times, I addresses the fact that I don't need an account with Hungtington and please checked that the account was closed successfully. And they did confirm on their end to say that it was closed. Unfortunately, on XXXX. XXXX, I received a bill from Hungtington bill again and charges me {$10.00} for overdraw fees. I tried to call the customer service and I was waiting for an hour but nobody picks up the phone at this point.
Product: Credit card or prepaid card

My credit card was charged for a purchase on the value of {$1200.00} on XX/XX/XXXX of XXXX. The purchase was made on XXXX XXXX. I received a text from BofA about a suspicious purchase on my card. I called them right away to cancel the purchase. They put a fraud dispute and after 2 months decided that I did not win the dispute and I will have to pay for that purchase that I did not make because the hackers used my address as well as my card number. All I know is that I didnt purchase anything and on the day and time I received the text I was at my job at a Hospital and my card on my pocketbook. I have my coworkers to testify of what happened.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$940.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A online savings account was opened under my name with out my knowledge. And they tried getting a credit card as well.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry on my credit report XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry XXXX XXXX XXXX and XXXX XXXX XXXX removal. 
Please remove this inquiry.
Product: Credit reporting

Since there was no resolution to my last complaint, I am submitting it again. Not only did Equifax not address the negligence the company has had with my Consumer Credit Report, which it is their job to maintain and keep accurate, they provided me a number to their customer service, the same people who screwed up my credit report more when I called in to address the issue. I will not be calling that number as I have no faith in their ability to resolve this issue. I would like either a supervisor or competent employee that is not part of their CSR team to call be and help get this issue resolved which has been on going for over a year now. Since they can not seem to do their job, I will have to do it for them. I am uploading a copy of my Transunion credit report which is accurate. The accounts in question are my XXXX account, which they were not updating even though the creditor assured me they were sending the info, which I had called their CSR about, and they removed my positive trade line, you can see it on my XXXX report. Next is my XXXX XXXX account, which they were also not updating even though the creditor assured me they were sending the info, which was a store card but then was upgraded to a XXXX with a new trade line, again nowhere to be found on my Equifax report, again you can get the information from my XXXX report. Lastly the XXXX account has the wrong DOFD, which I have disputed many times and it always comes back verified very fast which leads me to believe that they do not investigate my dispute at all, as you can see the account is no longer on my XXXX report as they had the correct DOFD. Please make these correction or I will be forced to take legal actions.
Product: Mortgage

I have lost my job and do not make any meaningful money to pay the exorbitant mortgage. I have contacted Astoria Federal many times for assistance and modification but they always refuse to modify my mortgage. I was once given a reason that Astoria Federal do not conform to Federal Regulation and are not obliged to help me in any way. I have lived in my house since 2001 and my children and the entire family love our family home, community, schools, and church. I can not afford to loose this house and we love to continue living in this house. It has become our sacred home. Currently, Astoria Federal has increased our months payment from {$1900.00} which was incredibly difficult to bear to {$3300.00}. Efforts to modify and lower the monthly payment of {$1900.00} has been denied four times, but rather increased to {$3300.00}. Astoria Federal is just taking advantage of us financially and extorting. All efforts to modify or alternative assistance has been denied by Astoria on four consecutive times. I therefore write to request that my mortgage be modified as I lost my job and do not make meaningful money but my wife 's income is substantial to work for the modification. I ask that Astoria Federal work with us so that we can continue live our home and do not become homeless as the children are scared of becoming homeless now. 
Mortgage Company Information : Astoria Federal Bank Account Number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX9242Respectfully, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Original Creditor is : Bastion Funding, then transfered to XXXX XXXX XXXX. The payday loan is balance credit and they are killing me with high rates and fees. I am struggling monthly to payoff the loan and I can no longer afford to due to loss of job. I took out a loan for {$400.00} and they are asking me to payup {$2000.00} ( according to the information provided to me by the collection agency-National Credit Adjusters ). I do n't know what to do at this point because I want to pay it but it 's too much for me to handle.
Product: Credit reporting or other personal consumer reports

XXXX & Equifax are incorrectly reporting the account listed as XXXX XXXX XXXX This account has not been validated as accurate because what evidence was used to verify this account as belonging to me. I have no obligation to this company and there is there is no contractual agreement between them and I. XXXX & Equifax are required by federal law to report accurate information and they are not. Furthermore XXXX & Equifax are securitizing this report to make money from the sell of my personal information and this is not authorized since I gave them no permission to profits my the exploitation of my personal data. This has caused me serious harm since this is a collection and is intentionally intended to harm my character and consumer file. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

XX/XX/year>XXXX  received a letter from Roosen Varchetti & Oliver, PLLC, I again returned a letter XX/XX/year>XXXX  requesting a breakdown of the debt from the original creditor including principle, total interest, and total fees. XX/XX/year>XXXX  I received a response with the same paper work I have been sent already along with a state of ( Amount of original Creditor is not inclusive of Interest to Date )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ga XXXX XXXX XXXX XXXX Dispute of Incorrect Charge-Offs on Credit Report Dear Sir/Madam, I am writing to formally dispute the accuracy of several charge-offs appearing on my credit report. These charge-offs, which I have listed below, should not be reflected as outstanding debts, as they were considered income under the IRS guidelines and reported on a 1099-C form : XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXXXXXX {$3700.00} XXXX XXXX {$3900.00} XXXX XXXX {$6000.00XXXX XXXX XXXX XXXXXXXX {$22000.00} XXXX XXXXXXXX {$5000.00} XXXX XXXX {$3000.00} XXXX XXXX {$3900.00} The creditors have already reported these amounts as canceled debt on IRS Form 1099-C, which I included as income on my federal tax return for 2023. As such, these debts have been legally discharged, and the amounts should not be listed as outstanding or derogatory entries on my credit report. 

I respectfully request that these charge-offs be removed from my credit report immediately, as they are inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my claim and remove any incorrect information. 

Please notify me of the results of your investigation in writing. If these entries are not corrected, I am prepared to escalate this matter and may consider further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Thank you for your time and prompt attention to this matter. I look forward to receiving confirmation that these errors have been corrected. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a payment to American Express in the amount of {$3700.00} for my corporate American Express card via XXXX XXXX online Bill Pay. However, the payment never posted to my account. After months of calling both American Express and XXXX XXXX, as well as, 3 failed Dispute filings, Im writing to engage both companies more formally and enlist support from agencies whose purpose it is to help protect consumers like me. American Express has held thousands of my dollars for 3 months claiming that it has not received my payment despite the fact that I have provided proof showing that the money has been sent. I dont know where American Express put my payment, but I want my payment immediately credited to my account permanently. Ive provided the XXXX XXXX proof of payment to American Express several times in the past 3 months. Additionally, on or about XX/XX/XXXX, a call took place that included an American Express representative, a XXXX XXXX representative, and me. During this call, the XXXX XXXX representative provided to the American Express representative the full American Express account number to which the payment was sent. XXXX XXXX has been unwilling to share the number with me due to privacy issues. Unfortunately, that call was disconnected before the American Express representative confirmed that she had found and applied the credit appropriately to my account. Despite that call and my 2 other dispute filing, American Express has failed to properly credit my account. Please check the recorded phone records for the full American Express account number that XXXX XXXX provided as the account to which the payment was made. Please also look for accounts under my maiden name. 

American Express closed my CFPB complaint claiming they don't have enough information to find my money. That is not true. They just are not using their own systems ( recording ) or business relationship with XXXX XXXX to get it. I do not have the American Express account number where the payment was applied. I just know it was not my account. XXXX XXXX would not provide me the information due to privacy reason. However, XXXX XXXX provided that account number to American Express. American Express needs to listen to their recordings or ask XXXX XXXX for the account number. I've provided American Express the XXXX XXXX payment confirmation number, which is XXXX. That is all that XXXX XXXX needs to again find the American Express account number to which my payment was applied and give it to American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the consumer fair reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Meridian Financial SVC ACCT : XXXX Meridian Financial Acct : XXXX 15 U.S.C 1681 602 a : I have a right to privacy 15 U.S.C 1681 A section 2 A credit reporting agency can not furnish an account without the consumers written instructions.
Product: Money transfer, virtual currency, or money service

I used the Cash App to have someone send me funds. I went to deposit the funds into my bank out of Cash App. I check my bank account on the day that the funds were meant to be deposited into and they were not there. I then reviewed the transaction on the Cash App and saw that the direct deposit was set for a bank routing number I had never heard of. I looked up the routing number of the bank and it appears that it is the bank that Cash App runs all of its transactions through. I am unable to see the full account number that the money was transferred to. Cash App has no direct customer service. No phone number that they currently have listed gives you any information, they only have messages about things that are not what they state on their website. There is only a limited way to send in a complaint on their site ; you have to hunt through their menu to even find a form. This was clearly a mistake and it seems clear that Cash App put in a placeholder direct deposit account that went to their own bank. I have no idea why they would do this, why wouldn't they just leave it blank?