23daVinci/CFPB_Complaints huggingface dataset:
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXXXXXX Balance : {$920.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$120.00}, XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$1900.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the XXXXXXXX XXXX XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a client of XXXX XXXX XXXX for more than 4 years. I don't escrow funds with them. I pay for my insurance/taxes out of pocket. In XXXX of 2021, XXXX XXXX XXXX decided to send XXXX XXXX more than {$3000.00} for insurance. I have always paid my policy out of pocket. XXXX XXXX has emailed, mailed and faxed the copy of my proof of insurance many times. XXXX XXXX they haven't recieved it. XXXX XXXX  Mailed back a check in XXXX to refund the amount they sent. XXXX says it was cashed, then not cashed. XXXX XXXX sent proof of payment via email, fax and mail. NO response. XXXX has sense taken all my monthly payments and applied them to the negative escrow balance from the check they sent to XXXX XXXX. They have sense reported me to the credit agencies for 30 and 60 days late. I have made my monthly payments every month since the start of all of this. They have all my funds and haven't applied them to my payment. XXXX XXXX resent the check with a letter stating errors and omissions that it was their fault and the check was returned. STILL NOTHING. I have put in over 50 hours trying to resolve this over almost 5 months. My credit score was a XXXX and is now XXXX because of this. I have been penalized for NOTHING I did. It wasn't my fault they sent funds and I have been left trying to resolve, have negative credit reporting and have spent more than 50 hours of my work time handling a situation that should never happened. I have talked to hunderds of people at XXXX and still no resolve.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX ACCOUNT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Misuse of my credit report. 
XXXX5 U.S.C 1681 602 A : States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Pursuant to the FCRA ( Fair Credit Reporting Act ), it is the duty of EXPERIAN to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting XXXX inaccurate late payments for the XXXX XXXX XXXX account beginning in XXXX. This includes a 30 DAY late payment posted in XX/XX/XXXX ( SEE EXHIBITS XXXX, XXXX, & XXXX Attached ) and a 30 DAY late payment posted in XX/XX/XXXX ( SEE EXHIBITS XXXX, XXXX, & XXXX Attached ). This is incorrect and is supposed to be reported as PAID AS AGREED and or have a rating of OK. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of these inaccurate late payments have resulted in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EXPERIAN via written letters to remove this inaccurate and false reporting of late payments on XXXX XX/XX/XXXX ( Certified Mail # XXXX ), XXXX XX/XX/XXXX ( Certified Mail # XXXX ), as well as a previous CFPB complaint on XXXX XX/XX/XXXX ( # XXXX ), however they have continued to ignore my requests. While XXXX ( SEE EXHIBITS XXXX, XXXX, & XXXX Attached ) has CORRECTLY reported this account on my consumer report, EXPERIAN has yet to update and remove these late payments from my consumer report ( SEE EXHIBIT XXXX, XXXX, & XXXX Attached ). XXXX has clearly verified the accuracy of my credit report while EXPERIAN only claims it has yet, there are still false and negative inaccuracies in my report. It is because of this inaccuracy that is causing my wife and myself an enormous amount of mental stress, anxiety, and pain. I fear that if these inaccurate late payments arent removed soon, that we will be homeless due to these negative and false reporting methods from EXPERIAN.
Product: Credit card

I am with Direct Express last XXXX my account was compromise so I ask them to send me a new card and they did but now my new card is not working and last month and this month XXXX and XXXX my card is locked i have this one since XXXX, i can not get access to my money to pay bills or buy Groceries because now they say my card is Invalid. What can i do if i need food or gas or pay a bill? I even sent pictures of my Drivers license front and back I am XXXX XXXX XXXX and that is my only means from Social Security. I am almost going to lose everything because of them. I have about XXXX dollars on the card. I even tried calling at XXXX XXXX  there is supposed to be open XXXX hours XXXX  days a week.
Product: Checking or savings account

They are advertising no minimum XXXX 's. Which I had open XXXX with XXXX balance each. The date I had open the XXXX 's they were quoted an interest rate for specific terms. The is now claiming XXXX XXXX which is false information.
Product: Mortgage

For years I have complained to Zions Bank in Utah / dba Vectra Bank in Colorado about how there statements do not accurately reflect payment activity and how interest is calculated. In XXXX I sold the property that the HELOC was secured by. Upon presenting my final statement I called and wrote that I felt the payoff amount was incorrect and that I would like to see a manual calculation showing the interest acrured, payments and dates and balances through the last period when the loan had a balance. The bank refused to provide ths information and simply stood by their assertion that the loan balance was correct. 
To bank on XX/XX/XXXX XXXX Under ticket no XXXX  XXXX I have requested the following from Zion / Vectra Bank. 
An accounting of my account in the following manner. 
Date of last loan advance which was the 2.99 % promotional under XXXX : I have XX/XX/XXXX Please confirm Amount of loan advance I have {$110000.00} Please confirm Amount of interest/finance charges that accrued until payment on XX/XX/XXXX New balance after paying interest charges Amount of interest/finance charges that accrued until next payment, amount & date New balance on that date, And to continue this process until final payoff. 
My last statement dated XX/XX/XXXX showed I had an overpayment of {$52.00} which you have sent me a check for. 
My calculations show I have overpaid you by {$360.00} I would like to have you do the calculations in the manner explained above to prove that the {$52.00} is a correct amount. 

The bank replied with the following on XX/XX/XXXX " Nothing in our review indicates you are owed a refund in a different amount '' I feel that the request I made was normal and reasonable and feel they should not be allowed to behave in the manner they did.
Product: Debt collection

This is a formal complaint that Santander consumer USA placed a charge off on my consumer credit report without providing validation information under 12 CFR 1006.34B5 but yet they placed a collection or a charge off on my consumer report also they have not given me a chance to dispute this account according to 12 CFR one 006.34C4I collection agency or creditor is violating my right by using false and misleading misrepresentation and deceptive means this collection agency or creditor, has no authority to furnish any account to my consumer report without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34D and 15 USC 1681S27A also I am disputing only any and all debt to them and I am revoking my rights of communication with me through email text and calls. Also, I am requesting validation of this debt and the original agreement. Also I am requesting that they furnished proof that they are licensed and bonded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Checking or savings account

In XX/XX/year>, a direct deposit of {$5000.00} was made to my USbank account from University of California, Irvine, but the USbank put it on hold due to safety issue. I have already contacted the usbank online service and they told me to go to the branch and ask the manager for help. The manager said that they can not do anything since this was done by the bank system and they asked me to let the university payroll office to submit a request for refund. I called the university payroll office but they said they can not request refund and the bank should return the money automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX years Customer service would not help and take care of the negative inquiries on my credit report. After being on the phone for an hour and forty XXXX min and getting transferred to every possible department they have they did NOTHING for me, Incredible! no one knew who could help with the matter. When I 'm finally speaking to someone that may be able to help she puts me on hold and then hangs up on me.
Product: Money transfer, virtual currency, or money service

There were funds taken from my Cashapp account that were not authorized. Whenever I tried to speak to support, I was constantly told there was nothing they could do. My account has also been closed without explanation, again I would message support since they do not have a support number to call, but told me they have no reason being shown on why my account was being closed. And whenever I would make a new cashapp account it would automatically close it, with still no help from support every time that I have contacted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had it up to here with the utter incompetence and negligence of credit reporting agencies like yourself. It is unfathomable that I have to go through the trouble of filing a CFPB Complaint just to dispute the rampant inaccuracies on my credit report. As mandated by the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information on credit reports is not only accurate but also up-to-date. Yet, here I am, having to request that you investigate these erroneous accounts and make the necessary updates to rectify the damage you have done to my credit score. The following accounts are not just erroneous, but they are outright erroneous and have no business being on my credit report : XXXX XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/2020 XXXX/XXXX  XXXX Balance Owed : {$0.00}. I have included a copy of the dispute letters I previously sent highlighting these erroneous accounts for your reference. I expect a prompt response and immediate action to remove these accounts from my credit report within the next 30 days, as stipulated by the FCRA. Your blatant disregard for the accuracy and integrity of my credit report is unacceptable, and I will not hesitate to take legal action if necessary. Get your act together and do your job properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : $ XXXX XXXX Balance XXXX {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX  XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX A ) XXXX Balance : {$710.00} XXXX, XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX, XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$4300.00}, XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$21000.00}, XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5600.00}, XXXX  XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$6800.00}. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c, ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX : XXXX ) XXXX XXXX XXXX XXXX XXXX WV XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Loancare LLC XXXXXXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.C 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. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Student loan

From XX/XX/2019, the loan payment has adjustment per income which I agree and the agreed amount was debited automatically. But, Nelnet indicates that the old, prior monthly payment amount, was also due at the same time ( in XXXX ) as the adjusted amounts and shows that there is a late payment for XX/XX/2019. On top of that, they charged interests of the invalid late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192, ECOA ( Equal Credit Opportunity Act ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act. They also knowingly and willing conspiring to deprive me of human rights under color of law title 18 usc 241/242, while commuting securities fraud Acct XXXX XXXX XXXX XXXX XXXX Fact : Section 18 usc 241 : makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the Unites States or because of his or her having exercised such a right.

Fact : Section 242 of Title 18 makes it a crime for a person acting under color of any law to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States According to federal reserve act section 16 part 2 : it states my Application was used as a bill of exchange to fund the account as collateral!

Fact : Federal Reserve Act : Section16 ( 2 ) Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.

As you should know, FACT : Federal Reserve Act Section 29. Civil Money Penalty c ). The maximum daily amount of any civil penalty which may be assessed pursuant to subsection ( c ) for any violation, practice, or breach described in such subsection is -- 1. in the case of any person other than a member bank, an amount to not exceed {>= $1,000,000} ; and 2. in the case of a member bank, an amount not to exceed the lesser of -- * {>= $1,000,000} ; or * 1 percent of the total assets of such member bank.

Fact : EQUAL CREDIT OPPORTUNITY ACT prohibits discrimination in any aspect of a credit transaction.

In conclusion you are commanded to deleted from all consumer reports and compensate for ALL VIOLATIONS!!! Failure to perform will lead to a federal lawsuit against your corporation for breach of agreement and securities fraud accordingly to Bill of Enchange Act, and Federal Reserve Act