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

Under the new law effective XXXX XXXX, 2017 public records data must include Ssn or dob in order for it to appear in your credit file the credit bureau has not updated the information and per the new law bankruptcy listed does not include this information and should be deleted from my credit report
Product: Debt collection

Repeated, harassing calls from XXXX XXXX solutions from different numbers XXXX. When explaining to them why I can not pay the debt at this time, they were insistent I set up a future automatic payment and kept repeatedly asking me what the reason was I could not make payments. I asked them to stop calling me multiple times. At this point, this company is harassing me and causing XXXX on my XXXX XXXX as well.
Product: Credit reporting or other personal consumer reports

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

( Account name : # XXXX ) I XXXX XXXX : 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 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 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

I was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX Balance {$150.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance {$430.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$580.00} ; XXXX XXXX XXXXXXXX Balance {$900.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance {$180.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$240.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00} ; XXXX XXXXXXXX Opened XXXX XXXX, XXXXXXXX XXXX Balance {$3600.00} ; XXXX XXXX XXXXOpened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX Inquiry Date XXXX. XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX ; XXXX Inquiry Date XX/XX/XXXX ; US SM BUS ADMIN ODAInquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

INCACCURATE INFORMATION ON CREDIT REPORT. FTC VIOLATION!!! 

XXXX XXXX XXXX OPEN XXXX XXXX. {$440.00} XXXX XXXX XXXX OPEN XXXX XX/XX/XXXX AMT. {$590.00} XXXX XXXX XXXX OPEN XXXX XX/XX/XXXX AMT. {$430.00} THE NAMES : XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

I am one of the owners of a house in foreclosure located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I am a homemaker and wife of a XXXX Veteran who abandoned the property and thus left me with no means by which to sell off the house. The house went into foreclosure and I moved into my mothers home with my children. The mortgage company Ocwen has pursued me because my husband did not have an address of contact until the past year. Despite attempts to have them seek him out, since the mortgage is a VA Loan and he would be able to make arrangements through the VA to put the house up for sale or refinance at a lower rate to make payments, they still today call my mothers home phone number day and night, weekends and otherwise. We have even been disrupted during our sacred holidays. They have harrassed myself, my family and my neighbors. Just when you think that it was finally over, today in my mothers driveway lay mortgage paperwork, uncovered and opened with all of mine and my husbands personal information for anyone on the street to see : our ss # 's, dates of birth, etc. Who does that? Why wo n't they send my husband notification to go through the VA? XXXX XXXX XXXX resides at XXXX Twisted XXXX XXXX, XXXX, North Carolina, XXXX. The attorney firm that did this is XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX : XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Fax # XXXX File # XXXX, for Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX I would ask the FTC to please intercede on my behalf and ask these people to stop the harrassment, I am a homemaker, with no income, my husband is retired and receives a pension from the military, and homeland security. They should be seeking him out to look for closure to this foreclosure as this is a VA matter, and I can not intercede and do anything to rectify this situation, and yet time and again, they turn a blind eye and refuse to look any further then myself living at my mothers residence, How dare they share my personal information with on my mothers driveway at her property address with her neighbors, strangers and passerbys!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( AMEX XXXX )
Product: Debt collection

" New Issue '' Obtain police report from XXXX police department ( XXXX ) XXXX in regards to this XXXX XXXX fraudulent debt. My name and information was improperly used to obtain credit by unauthorized individuals. Police report # XXXX. I am adding XXXX XXXX to this complaint as you stated XXXX XXXX hold responsibility for taking exempt funds. XXXX XXXX can verify the source of income in my accounts are from Social Security funds. All funds must be refunded promptly. Follow the LAW.
Product: Credit reporting or other personal consumer reports

I had credit cards with Capital One and XXXX XXXX back in XXXX  and I couldn't pay off the balance because of a job loss. The creditors had charged off on the balance owed, and they started to report the debt again every month to my credit bureau decreasing my XXXX score and I couldn't get a car loan. Please see the attachments for reference. Thank you very much for your help.
Product: Money transfer, virtual currency, or money service

XXXX I initiated a wire transfer from my bank to Binance.US using their wire transfer instructions and reference code XXXX - I received a confirmation of my wire transfer of {$10000.00} from my bank to Binance.US XXXX - I received an email from Binance.US confirming that they would process my wire transfer within XXXX business day : Wires Deposits submitted after this time will be processed on the next available business day. 
XXXX - I received an email from Binance.US claiming that they have forwarded my reference code to their payments partner, who would email me once payment is confirmed : " XXXX ( Binance.US ) XX/XX/2021, XXXX XXXX Thanks for your message. I forwarded your XXXX code to our payments partner. 

You will receive an email once they credit this wire to your account. Thanks again! 
Best regards, XXXX Binance.US support '' XXXX - I have still not received my {$10000.00} in funds to my Binance.US account, nor have I received any email from Binance.US or its payments partner, XXXX XXXX XXXX. 

After repeated emails to Binance.US  support team, I have still not received my funds nor resolution of my inquiry.
Product: Credit card or prepaid card

- XX/XX/XXXX fridge installed, Order # XXXX - XX/XX/XXXX contacted XXXX XXXX as directed by delivery agent because there was no freezer handle. In addition there were scratches on the unit from the packaging and instillation. 
- Best Buy was unable to request a freezer handle from the manufacturer and ship it to me. I had to contact the manufacturer myself and get a freezer handle. For the inconvinece they offered to price match a competitor. 
-For the scratches, if I kept the unit they offered a 10 % discount -Total discount of {$560.00} was supposed to be credited to my BEST BUY credit card, which was used to make the purchase. 
- I have received two billing statement and still received no refund. 
- I received emails on XX/XX/XXXX saying they processed the refund, but nothing. 
- I have called them on XX/XX/XXXX, XXXX, XX/XX/XXXX to try and resolve I also chatted on XXXX XX/XX/XXXX In all instances I was on the phone for over an hour or chat and they all said they didn't have the authority/ability to refund. One supervisor did state he didn't care that a previous team member made the agreement, he would not honor and would not escalate further. At this point I would consider this a bait and switch to keep a damaged unit.
Product: Mortgage

on XX/XX/XXXX i received my escrow staatement from Bayiew Loan Servicing. It showed that my escrow account was {$15000.00} in the negative. I called and was told that this was for back taxes. When I questioned this they could not tell me who the money was paid to, I kept calling and got the same answer. Since XXXX my servicing company has changed 5 times. Each time I called the new ccompany and asked who the taxes were paid to. same reply. they did not know. Today I called XXXX XXXX the most recent company and spent 3 hours plus and still got the same answer. " They did not have that information. '' I was told on XX/XX/XXXX that XXXX gould not assist me further bacause my mortgage was current. I stopped making payments at that time and have not made any further payments My loccal taing authority on a conference call told XXXX that there were " no '' outstanding claims ffor back tae for XXXX and previous yers.
Product: Checking or savings account

I am a XXXX XXXX I have my accounts with capital one I live in XXXX Ohio my XXXX is a all XXXX XXXX and because capital one doesnt have any branches in XXXX I cant deposit my cash from my business into my personal account I dont have a business account because I dont have it registered with the state I came up on hard times because I work from my home and wasnt able to work as much due to me having a small child I filed for a XXXX loan and got approved and the funds was deposited on XX/XX/XXXX on XX/XX/XXXX around XXXX I found that my account was frozen I called capital one I was on hold for 2 hours to speak to someone that was very rude asking my questions about my business as if he was a investigator it made me feel very uncomfortable and I felt like I was being treated like a criminal then I was told my account will remain restricted until my account is reviewed and someone will reach out its Tuesday and I havent heard anything beside a generic email that my account has been restricted Saturday morning after it was already frozen I talked to someone Saturday that said my account has been frozen because they couldnt verify my business so I sent in my schedule c form and also my receipts from my nail supply purchases, I was also told that I am found ineligible any money in my account will be giving back to the sba I also Have a job that direct deposits into that account and I have my tax refund coming tomorrow that i have been waiting almost 3 months for I have things to do and I will not have any access to that money and possibly will loose everything thats in the account even if it didnt come from the loan
Product: Credit card

I made a purchase for cheerleading uniforms from what I know now as a fraudulent company. Upon receiving the uniforms, I noticed the sizing, color, quality, and construction was not what I asked for or inaccurate. The company refused to refund me. I entered a dispute with AMEX, providing ample evidence of what I asked for and showing what I received. AMEX took two screenshots and a shipping label from the company and sided with them, even though I provided over 15 pieces of evidence showing their misleading color swatches ( in which they admitted that the color looks different over mobile phone, inaccurate sizing charts, and most importantly that the vendor admitted that they did not give me the skirt design I asked for. After disputing AGAIN, AMEX told me that their investigation team concluded it was valid and that I have to dispute directly with the company ( which I already tried to do ) .Now I am out of {$410.00} and have no protection from the bank Ive been at for 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to the credit bureaus requesting verification of an account being reported by XXXX XXXX XXXX. Each time, the account is coming back as " verified ''. I have requested information on how the information was verified and have received no response. The credit bureaus in question are not following the law. They are solely relying on E-oscar to " verify '' accounts. They are also not adhering to metro 2 compliance protocol. Instead of doing their own independent investigation, they are going solely off of the incorrect information that is being supplied by XXXX XXXX XXXX. I have tried for MONTHS to get documentation from XXXX XXXX XXXX to justify their reporting and they have not been able to provide me with documentation. If they can not supply ME with documentation, then how are they able to report this information to the credit bureaus? That is a huge problem.
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. 
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, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT EQUIFAX JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY EQUIFAX CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL 3 OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Re : Reply People XXXX XXXX <XXXX> XX/XX/XXXX at XXXX XXXX To XXXX-XXXX Message body From : XXXX XXXX <XXXX> To : " XXXX '' <XXXX> Sent : Friday, XX/XX/XXXX XXXX XXXX Subject : Reply Thank you for your news as regards to JP MORGAN CHASE, Please I need to ask for my share holding partnership investment with your Bank for quite a long term now I need my share report certificate and dividend payout ASAP XXXX bless VA A/F XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXX : {$640.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$2100.00}
Product: Debt collection

On XX/XX/2020, I sent Fair Collections and Outsourcing a debt validation request for an item on my credit report. On XX/XX/XXXX, they responded with an altered copy of the original contract adding an additional {$1000.00} to the balance due, beyond the original {$170.00} that was already paid in full, and no documents whatsoever substantiating that they are authorized to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. In which I have supplied all three credit reporting agencies with a copy of my police report as well as proof of my identity. I have requested for unauthorized inquiries to be removed from my credit profile. My request has been ignored. Therefore, I continue to have unauthorized inquiries reported into my credit profile. I am requesting for Experian Credit reporting agency to be investigated for not honoring my request. After I have submitted legal documentation to them from law authorities, about my identity being stolen. Please reference to the following inquiry request as listed below.
Product: Checking or savings account

I transferred {$41000.00} from my XXXX  account to SoFI checking account on XX/XX/year>. They locked my account with no reason so I called them daily to unlock it but they don't give me any reason why it's locked nor when it can be unlocked. I'm already getting calls from my contractor for payment so this is really frustrating situation. I asked them to just send my money back to XXXX  account but they said can't. They are basically stealing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 2 ( XXXX ) accounts with XXXX and Transunion for over 6 ( XXXX ) months. 

XXXX. XXXX : XXXX XXXX XXXX XXXX for {$100.00} XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX These accounts are being furnished inaccurately and do not belong to me or my credit report. My disputes are being ignored.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 my 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 to be updated.

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 TRANSUNION 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! 


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

Someone is opening account in my name that I dont know anything about XXXX I receive mail an they are addressing as a male an Im a female
Product: Debt collection

I recently had a credit check done and a collection came up from Sentry Collections located in XXXX XXXX, NV. I called on XX/XX/XXXX and was told that they would be researching it and would get back to me. Nobody called back. I called again today XX/XX/XXXX and was transferred to XXXX who refused to give me her first and last name and told me I had to call the XXXX XXXX   that no longer exists to get the information removed. I rented an apartment a few years back. When I moved there was a small amount owed that was paid back immediately. The company went ahead and sent it to collection anyway. I called back to the apartment complex and they said it was in error and that they would notify the collection agency that this was not correct. Now years later it is showing back up on my credit report even though there is no debt owed. The collection agency was rude and refused to provide full name when asked to. This debt is not owed and I will not pay it again or have it report on my credit as a collection account.
Product: Vehicle loan or lease

I have a predatory loan with Santander. I was informed in XX/XX/2020 that I am a part of the Santander settlement lawsuit. I was granted an extension due to the fact that my loan is a large payment with significant fees in XX/XX/2020 but the payments are scheduled to resume. 

I reached out to Santander in XX/XX/2020 because no one had notified me yet regarding the Santander lawsuit. I was told that it is " a process ''. I expressed my understanding and requested a permanent forbearance until I was notified of my portion of the settlement. I explained that I am struggling to live due to the pandemic and I am concerned that my file shows a significant violation of my rights. Until I know that I am not entitled to the title to the vehicle and loan forgiveness, I requested payments to cease. I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry showed up on my credit report that was not authorized. Date of inquiry was XX/XX/2020 from Comenity Bank/XXXX XXXX.
Product: Debt collection

PROGRESSIVE MANAGEMENT S I XXXX XXXX do not have an affiliation with this company. I do not have anything signing to a binding contract with PROGRESSIVE MANAGEMENT S. They have over 8 reportings with my information on it. 

They refuse to remove this from all three agencies. I want them to send me PROOF I have a debt owed to them Show me the signed required documents that I XXXX XXXX owe them a debt If not I demand they remove all trans actions damaging my credit which is underlined in law when requested