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

I have been targeted by friends and family because of an inheritance and they hacked my phone and got pics of my id and social that I sent for a job. They have opened accounts in my name that I knew nothing about until XX/XX/. I can't see the company on my credit report to even contact them.
Product: Mortgage

DISBURSING FUNDS FROM ACCOUNT WITHOUT MY KNOWLEDGE i COPIES OF CHECK TO SEE WHO GOT THE FOUNDS THIS A COVER-UP PLAIN AND SIMPLY
Product: Consumer Loan

Submitted previous complaint # XXXX regarding an additional {$120.00} promotion fee of which we were not made aware of. Your office told me that TD Bank N.A agreed to waive that fee although they never contacted us. Today via letter our account was closed " due to inactivity '' although payment was posted to our bank XXXX/XXXX/15 and XXXX pmt due XXXX/XXXX/15. Internet reviews unbeknown to us describe tactics such as this XXXX.
Product: Mortgage

On XX/XX/2018 I received a letter from XXXX XXXX dated XX/XX/2018 that they were the new owner of my Mortgage loan as of XX/XX/2018. 

This was news to me considering the fact that I had no contact from Chase bank, so needless to say I thought it might be some type of scam. So I contacted customer service and told them my situation and they confirmed that my mortgage was sold to XXXX. The customer service representative advised that I shouldve received a goodbye letter. She checked the records and advised that I was correct that XXXXhase never sent that letter or any other communication regarding the sale or transfer of my mortgage. I then asked the customer service representative if I could have the documents related to the sale or transfer of my mortgage loan. She put me on hold for two minutes and then advised that I was not allowed to have that information. 

According to the letter XXXX sent to my residence it states that the transfer of ownership has been publicly recorded and that it will be located at the recorders office that maintains the public land records. 

Why would this information be held from me and why would I not be notified of this transfer from the financial institution that I have been with for the last ten years? 

I find it hard to believe that Chase, XXXX XXXX and the Recorders office all knew about the transfer, but the person that pays the loan had no idea until XXXX XXXX  sent them a letter. This maybe a minor problem to a huge financial institution, however my mortgage loan is the biggest part of my financial institution. I feel that this is in very poor taste and if I didnt catch it in time it couldve cost a lot of money in attorney fees. You know if I was late on a payment they wouldve used every means possible to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following companies to do inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have no knowledge of these inquiries. 
These inquiries were done without my knowledge. 
This if fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian 's mailing address for dispute requests is : XXXX XXXX XXXX XXXX, TX XXXX XXXX : Verify Chapter XXXX Bankruptcy ( s ) Correct Status To Whom It May Concern : I am disturbed that you continue to list a bankruptcy that has not bern confirmed within my credit file in the last 30 days. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter. 



Furthermore, these credit bureaus are in violation of : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reportsExcept as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer reports.

These agencies have failed to notice my credit report noting the dispute and has failed to verify the status of these two public records through the US Bankruptcy Court Clerk, Address, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, as the sole source any information regarding a bankruptcy based upon my residential address. 

Violations by the of Experian and XXXX Credit Bureaus : 30 days investigation and verification of information 15 days to notice dispute on credit report 15 U.S. Code 1681i - Procedure in case of disputed accuracy | US ... 
XXXX XXXX XXXXXXXX ( 3 ) Determination that dispute is frivolous or irrelevant .... by not later than 15 days after receiving a request from the consumer for that description. ... file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the ... The consumer reporting agency may limit such statements to not more than one issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

American Express sent me an advertisement telling me that when I opened a new credit card, I could get {$150.00} rewards if I spent {$1000.00} at first three months. When I opened a new card and spend {$1000.00}, I didn't receive any money, and then I contacted the relevant staff by phone.

1. The service staff told me that when I applied for a credit card, they rejected my application for a {$150.00} reward from a {$1000.00} purchase via Email, and then they asked me whether I continued to apply for this card without {$150.00}. so they opened a new credit card for me without my approved. In fact, they have never sent me notice via any way. The service staff also said that they will give me {$150.00} due to I've been using their credit card more than five years, because he submitted my issue to his supervisor. I just need to wait for the {$150.00}. In fact, he have not submitted my issue to his supervisor who did not understand my issue, so I can not get the {$150.00} in future. My waiting is actually a waste of my time.

2. I continued to contact them and got different answers. They said I had other benefits so I couldn't take advantage of the {$150.00} plan anymore. In fact, I haven't gotten any discount since I got this credit card. 
Anyway, I think 'American Express XXXX cheat consumers include me through false advertisements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 4 times and sent documentation for each dispute. Transunion, XXXX and XXXX still has not fixed the issues. I have several accounts paid and it has not been fixed. I have one account that isn't mine and creditor agreed as they can't find this account for me. It is still on my credit report. XXXX bank paid, XXXX XXXX sold to XXXX paid, XXXX XXXXXXXX also sold to XXXX paid, XXXX XXXX XXXX paid, XXXX XXXX sold to XXXX which was represented by attorneys XXXX and XXXX paid, All XXXX XXXXXXXX paid, XXXX XXXX paid. The XXXX XXXX  XXXX XXXX Not mine!
Product: Credit reporting or other personal consumer reports

Subject : Legal Demand for Monetary Damages Due to Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally demand monetary compensation for damages caused by your continued failure to remove an inaccurate XXXX Bank account from my consumer report, despite multiple dispute requests. This account does not belong to me, and your failure to correct this error constitutes a willful violation of my rights under the Fair Credit Reporting Act ( FCRA ). I submitted formal disputes regarding this matter. Despite clear evidence that the XXXX Bank account does not belong to me and supporting documentation indicating a potential case of identity theft, you have refused to remove the inaccurate information. This continued reporting of inaccurate information has caused harm to my credit reputation, financial standing, and has resulted in damages. Under the FCRA, you are legally required to maintain accurate information on consumer reports. By failing to do so, you have violated the following provisions : 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) which mandates that inaccurate or unverifiable information be deleted from a consumers file after a reasonable investigation. 15 U.S.C. 1681c-2 which requires the blocking of information related to identity theft once notified. Due to your continued non-compliance, I am now pursuing monetary damages as provided under : 15 U.S.C. 1681n for willful non-compliance, which allows for the recovery of actual damages, statutory damages ( up to {$1000.00} per violation ), punitive damages, and attorneys fees. 15 U.S.C. 1681o for negligent non-compliance, which allows for recovery of actual damages and attorneys fees. Demand for Relief I demand that you immediately : 1. Remove the inaccurate XXXX Bank account from my consumer report. 2. Pay the following damages : Actual damages incurred due to the inaccurate reporting, including but not limited to the denial of credit, higher interest rates, emotional distress, and damage to my financial reputation. Statutory damages of up to {$1000.00} for willful violations of the FCRA. Punitive damages to deter future violations. Attorneys ' fees and costs associated with this matter. Failure to meet these demands within 15 days of receiving this letter will leave me no option but to initiate a lawsuit to recover the damages owed to me under the FCRA. Please respond in writing to confirm your compliance with these demands and to provide the monetary compensation requested. I prefer that any future communication be made in writing. If you fail to comply with this demand, I will be filing a lawsuit without further notice. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my right under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 card or prepaid card

Just got off the phone from talking to three different people in three different departments from American Express. They closed three of my personal accounts back in XXXX. They said because they saw a charge of around {$750.00} from my XXXX XXXX to a " business I 'm affiliated with ''. It was for my tithes to my church. I told them I 've been with XXXX for 16 years. I 've always given my tithes and offerings to my church with my cards. I am a XXXX but they said people could be funneling money to themselves. And because it was a system shutdown there is NO APPEAL for reinstatement. I tried to get in touch with them on their Online Chat but they could never answer my questions. I tried numerous times over the past couple months but finally today I got in touch with the right people. I said how could you guys close my account and not officially review it with natural eyes instead of some computer system.
Product: Credit reporting or other personal consumer reports

I had a payment plan through Affirm with the merchant XXXX XXXX. The loan was supposed to be adjusted due to a return I made to the merchant. I notified Affirm that I contacted XXXX XXXX in regards to getting the loan adjusted. XXXX XXXX was unresponsive for about a month. 

I solely paid all XXXX payments on time, so that my credit would not get effected. I then issued a charge back with my bank for the last payment on the loan for the amount of {$150.00}. That was the amount that needed to be taken off of the loan in regards to the return I made. In Affirm 's system it shows that I did not make the last payment. I was only intending to be properly compensated. I have an email confirmation confirming the last payment being made for this loan. 

XXXX XXXX reached out to me issuing the refund back and when I went to pay the last payment once more there was not an option to do so via the Affirm App. The loan showed that it was all squared away on the App. I then received an email about a late payment again and I paid the final payment.

I will attach supporting screenshots of emails with dates to help identify in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I sent a letter to XXXX, Equifax and XXXX concerning the inaccurate information reported on my credit report by your company. They indeed deleted the inaccuracy placed by your company and since then it has been illegal reinsertion to my credit report by YOUR COMPANY. The items came back verified. I want to know : how did you verify this inaccuracy? 

I have attached a letter and proof of the deletion that was done to my account. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, PROOF of deletion of the account on my credit reports, copy of my Social Security Card, copy of my FTC report and Drivers License is attached for proof of identity.
Product: Credit card or prepaid card

My problem is my girlfriend of 10 years obtained my Social Security number and has it memorized and has opened numerous things in my name let them go to collections found out recently she opened a couple credit cards on my name one of them went to collections couple of them I just never opened she also shut down one of my bank accounts and yes she is a hacker I just found this out she tried to do deny it every time I bring it up she makes a big fight shes contacted police and put fake police reports on me three separate occasions on the reason I didnt know about it is I was in love with her and I am in love with her but she needs to go to jail for this so she cant do this to another person she has completely ruined my life I lost two awesome jobs from it I cant even get an apartment because of her its bad her name is XXXX XXXX but she still has her name in XXXX XXXX as well which was her ex-husband and she changed her name back to XXXX but she still has credit cards in the slot her name shes a very bad person and she needs to go to jail her address was XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX she recently just moved and is getting a apartment at the end of the month
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, ENHANCED RECOVERY CO L ( XXXX  ) XXXX, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Student loan

The debtor kept recirculating the XXXX XXXX ( originally for {$6000.00} ) to cents on the dollar debtors. It was illegally never discharged due to permanent and irreversible XXXX, which was the legitimate basis for all my other 32 loans being discharged. The lender, can't remember if it was XXXX or XXXX, ordered me to submit their own request for discharge due to XXXX. I did this in XXXXXXXX XXXX then was told in XXXX that my loan went into default XXXXXXXX XXXX 
Now I have received a notice from the Dept. of Ed. that this loan is now due again, in the amount of about {$6600.00}. I downloaded a Dept. of Ed. for discharge of this one loan, but am afraid I will end up in the same muddle as before. 
What do I do now? File the request by paper immediately? File in online with the Dept of E
d.? Or, somehow file a complaint against the whole process with your agency?
Product: Credit reporting or other personal consumer reports

XXXX 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 602 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, 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.
Product: Mortgage

We are in the middle of purchasing a new home and need the mortgage statement of our current primary home. It all started a little over a month ago when I requested for my online password change request. I have been trying ever since to get them provide me access to my account. Each and every time every day that I have been calling them the bank keeps telling me I will be contacted with my account details and access. Till date they have not given me access to my own account and I have not even received my paper statements either. I have no clue as to what they are doing with my account. They keep on passing the bucket to another department.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transactions that Ive made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 Experian is not allowing me to provide additional information regarding a disputed item. The dispute says submitted but when I return to the dashboard it has not been submitted. The account in question has been removed by XXXX and XXXX and it is unfair and discriminatory not to remove it and not to allow me an opportunity to provide documentation.
Product: Debt collection

It was brought to my attention when pulling my 3 credit bureau reports that I had an account with XXXX XXXX. I contacted them on many occasions and ask for proof that this indeed was my account and was told they only had the last 4 digits of my social, my phone number and address provided to them when the account was purchased from the claimed original debtor. I informed them they would need to provide me with legitimate proof that this was me. I began to dispute this account on my credit and it was removed by XXXX  due to no proof of ownership but XXXX and XXXX have chose not to follow suit. I researched and found out that XXXX XXXX has a terrible tract record for their collections tactics. The following is a copy of the letter I sent to the 3 credit bureaus. To date, Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violates consumer rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. On several different occasions I have asked Midland to provide me with documentation that the account is indeed correct and have been told by a supervisor there that it was provided once many years ago ( I never requested it and this account is due to be removed in XX/XX/2019 I believe ) and they would not send it again.