23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My card expired. They said they sent a card. never received. we aren't the post office. They used to send emails giving the consumer a heads up. They don't now. When addressing the issue to the branch manager on XXXX XXXX in XXXX Florida he seemed more concerned about his accolades rather fixing the problem, kind of rude. Customer service was rude and didn't seem to open to listening to the complaint. They should send this signature certified. People being unable to get their debit cards and the bank failing to put policies in place to ensure it happens, signature certified, head sup they are coming, verification it was received after 10 days etc. - without these all leads to definite consumer harm and is an unfair practice. Bank of America should know better. 

Rude managers and customer service members who do not care are not the answer to potential consumer harm
Product: Debt collection

To Whom it May Concern : My name is XXXX XXXX, and Ive been a victim of Identity Theft. I reside in XXXX, IL, and have lived here for XXXX years. Im originally from XXXX California and have not left Illinois to live anywhere else in the last XXXX years. At the beginning of the year, I received a credit notification that there was a {$1000.00} collection for a utility company in Texas! I started frantically calling the credit bureaus, and filed a police report in XXXX ( I will send a copy with this letter ). It turns out there are numerous accounts this criminal opened for electricity in the following cities ( XXXX, TX, XXXX, TX & XXXX, TX ). I now need a report to ensure there are no other accounts opened in my name outside of Illinois or California. 

Account # XXXX : XXXX XXXX Services XXXX Owed {$990.00} for Utility Services at the address : XXXX XXXX XXXX # XXXX XXXX Texas using the name XXXX XXXX Opened on : XX/XX/12 Closed on XXXX with a balance of {$990.00} Account # XXXX : XXXX XXXX XXXX balance of {$130.00} for Utility services at the address : XXXXXXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX I'm tired of fighting with companies all over Texas because criminals are opening up utility accounts and not paying by using my social security number which has ruined my financial wellbeing!
Product: Debt or credit management

I was told that Lexington law would fix my credit and I would start seeing a difference I made two payments and nothing changed.
Product: Mortgage

I received another notice from Nationstar recently XXXX XXXX XXXX ). I 've filed a complaint against Nationstar in XXXX XXXX showing that Ive filed Chapter XXXX XXXX # XXXX, discharge date : XXXX XXXX, XXXX, thus releasing me from liability involving the mortgage and property. I am still receiving billing and paperwork from XXXX XXXX ( XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report to maintain my credit. I have disputed this spouse or co-signer name two years ago. I have never been married nor have I ever co-signed with a XXXX. It does not show a last name assuming she has my last name.

Spouse or Co-Signer : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report named XXXX XXXX XXXX  and for more than six months allready Im disputing this account on XXXX, Transunion and XXXX. I am requesting true these three agencies that XXXX XXXX XXXX provide Signed contract or agreement between me and them, also I requesting documents that shows that XXXX XXXX XXXX  had any right or my consent to sell this account to another company ( in this case to XXXX XXXX XXXX ) and provide them all my confidential information as Social Security Number, name, birthday, adress etc etc. TILL THE MOMENT TRANSUNION, XXXX  AND XXXX  HAS NOT PROVIDE ME WITH ANY VALID DOCUMENT OF MY REQUEST AND CLAIMS THAT THIS ACCOUNT MEET THE FDCPA RULES
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account continues to show on my credit reportcand should be removed immediately. I have tried to remove this account on 6 or more instances. This account negatively affects my family and we are denied access to credit products. This causes us to be depressed because we want access to the american dream. This account was settled and I was told this would be removed but it still remains on my reports. I ask that this account be verified as accurate or removed immediately. I have sent numerous disputes to include the agreement I had. I ask that XXXX XXXX provide me with detailed proof of how this has been verified to include contacts or remove this account immediately. The Fair Credit reporting Act states that any information that is listed on my credit report that is inaccurate, outdated or unverifiable must be removed immediately from my credit file. Credit bureaus continue to not follow the law and the CFPB allows them to do so.
Product: Debt collection

I have XXXX credit collections companies trying to collect but I did some research and I think they are not licensed and bonded to collect in the state of Tennessee. Consumer Adjustment Company {$970.00}. And XXXX XXXX XXXX {$1600.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, There seems to be a XXXX of inquiries on my credit report that were made by various institutions with whom I did not apply nor indicated that I was applying for credit. 
Due to the fact that I was succumb with XXXX XXXX I was unable to bring myself to write this letter concerning this malicious act. This is a request to reinvestigate and remove the following inquiries from my report since I am not responsible for these inquiries All of these inquiries were not made nor authorized by myself. To clarify, I did not, at any point, authorize a XXXX  party to access credit file in assisting me to obtain credit, nor did I apply for any services, and nor indicated at any point that I was applying for credit. Please investigate this malicious act and remove all these credit inquiries from my report. 

I understand that you will check each item listed above with the credit grantor reporting the information, remove all information on my report that the credit grantor can not verify. Because I am requesting this reinvestigation after receiving a copy of my credit report from you, you must complete your reinvestigation within XXXX XXXX of receipt of this letter. ( XXXX XXXX XXXX ( a ) ( XXXX ). )
Product: Credit reporting or other personal consumer reports

This company has sold my debt and it states on my credit report as a charge off, once the company sold the debt they did not notify me nor did the other company 15 U.S. Code 1681 ( e ) ( b ) I was not provided a 1099C and I have not been able to file the income for taxes and according to the irs I need too.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX my complaint is with XXXXBarclay noticed that my most recent credit report contains a late payment reported in the month of XX/XX/2021 for my XXXX credit card account number XXXX XXXX XXXX XXXX. I mistakenly missed a payment with autopay and fail to make at least the minimum payment due of {$29.00} XXXX forgot to check I have been a loyal customer for over years with XXXX and credit cardholder with Barclay for more than 10 years with excellent payment history. I called XXXX to explain the situation they told me to write a letter to XXXX XXXX XXXX XXXX XXXX, DE XXXX. I never received a response back and the late charge is still being reported with the 3 major credit bureaus.
Product: Student loan

I continue to try to explain to the Navient Student loan payment center that I'm just not able to repay my loans. If I could I would. They continue to add charges to increase what is owed on my loans. I am living off of XXXX XXXX  XXXX. I barely have enough income to pay for daily living expenses. I continue to get calls or reminders although I have continued explaining my situation. My dream of becoming a XXXX XXXX was lost after having a car accident which basically took my life away, at least the one I worked hard to try to get. I just simply can not afford to make any payments. I need to have all of these loans forgiven if possible. I had excellent credit at one time and I now have horrible credit. This upsets me and the whole situation has also affected my XXXX XXXX. I am under the care of a XXXX. The more they continue to ask for payments always increases my XXXX   and XXXX XXXX. I'm just not able to pay these loans. My life changed dramatically after a car accident. I basically lost everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX BRCLYOLDNAVY XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX of 21 my personal information was breached
Product: Credit card or prepaid card

XXXX - Received a credit card from Milestone Mastercard in the mail that I never applied for. Called multiple numbers until I called XXXX and spoke to XXXX in the Fraud dept. I told him I never applied for this card and he stated they will do an investigation and have charges removed as well as remove it from my credit report. He also stated that they will send a letter when investigation is done to my home address. Amount of CC was for {$700.00}. 


XXXX -Received multiple letters from XXXX XXXX stating that they need more information in order to verify me. I have not replied. The letter stated that if they do not hear from me with the info requested ( DL, DOB, SS #, address ) they will close the application. XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX, XXXX, DE XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint and I'm not using any third party for this matter, I represent myself by myself. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX these items above should be removed from my report immediately.
Product: Debt collection

In XXXX around XXXX, the pandemic began economic hardship so I checked on my loan to confirm it was done. XXXX confirmed no loan due and in good standing. Few months later XXXX contacted me about an outstanding balance and said if I only paid {$100.00} via phone they would waive balance. I asked if they were sure because account was cleared. I paid over phone. On XX/XX/XXXX I began receiving calls from a company named NCB and XXXX XXXX informed me that it had purchased debt from XXXX. I briefed him but had to let him go due to family deaths. A second call came but voice mail from NCB. Then XX/XX/XXXX XXXX XXXX of NCB Management Service called me about an alleged balance due of {$1700.00}. Informed her of facts and said I would complain to CFPB.
Product: Vehicle loan or lease

I got the vehicle in XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX. XXXX The rate was 20.61 %, and I believe was to high by Texas law, XXXX XXXX mislead me on finance discussions transferring the car loan to Exeter Finance, knowing that recall matters where not fixed and the car was in Hurrican Harvey according to Vin number reports. In addition Exeter Finance Company has illegally withdrew funds from my account multiples times in XX/XX/XXXX they withdrew {$400.00} and on XX/XX/XXXX {$600.00}, many of these instances has happened Exeter Finances and XXXX XXXX are not keeping monthly statements up to date or accurate due in part to the illegal withdrawal and Finance rates.
Product: Credit reporting or other personal consumer reports

This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive submitted multiple disputed to XXXX, Equifax and XXXX to remove several items from my consumer report and they are refusing to abide by my federal protected rights. Ive called XXXX multiple times they said they could not remove the security freeze they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed -Sent dispute letters XXXX XXXX and still have errors on my report 15 USC 1666b late payments from open ended credit plans cant be reported -Dispute was to remove the late payment which wasn't late but still have not fixed it 15 USC 1681 ( B ) must have written permission to furnish on my behalf -Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages -Have n't been able to purchase a house due to error on my consumer report 15 USC 1681 ( a ) ( 4 ) right to privacy -Did not give consent to repost items to consumer report 15 USC 1681 ( b ) must follow reasonable procedures -Sent out unfreeze letter to XXXX  multiple times and still wont unfreeze my account 15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported -Items was reported that i used my social to obtain 15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in 1000 for each violation
Product: Credit reporting

I submitted my dispute on XXXX/XXXX/2016, I have not gotten any correspondence. I also checked my dispute status online which says " pending ''. I called to advice it has been well over 30 days on three different occasions. Each time I was not given an answer as to why I was not properly notified. This has significantly slowed down the process of buying a home for my XXXX boys.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve this matter on my own several times over the last year and they have not responded to me. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX ) was never late! I have had exceptional payment history witH 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 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 reported in ( MONTHS REPORTING 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  ) 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