23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received earnings withholding order at work from Midland Management LLC. I called Sheriffs office and was told to contact the attorney for Midland management. When I contacted midland management, XXXX answered and refused to let me talk to the attorney. He told me that it was an account with XXXX. Asked to provide proof since dont recall having a credit card with XXXX, XXXX said I was served in XXXX to an address he gave I never lived at. Asked XXXX to send all documents and so far nothing received. Asked about if it was my debt and if they settle, XXXX asked me to send my paystub and he can give 5 % discount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/2022 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Hello. I never make any changes about my address. I live in XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. They been confused about my daughter information because she move at XXXX XXXX XXXX and she make mistake at the pistal office to request my mail to her address because she didnt mark individual. I have to clarifing in banks and also calls the credit cards to send me the bills to my address. I m so sorry for the inconvenience. Thanks so much
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint # XXXX as XXXX has stopped computing and publishing my FICO score to lenders since XX/XX/XXXX. As already described, I have since suffered various adverse responses due to this failure to compute and to publish my FICO scores for 7 months now. After investigating with HSBC US NA Bank, where I do have a Premier XXXX account since XX/XX/XXXX with ( statement attached ) XXXX past due since 6 years, we have got a letter dated XX/XX/XXXX ( attached ) from HSBC US bank certifying that they do properly report to XXXX all my financial payments. In addition, I can see some of my financial data appearing within my online XXXX account ( scree capture of today attached ) where the year XXXX and XXXX are fully missing. This is the proof that XXXX  knows about my account at HSBC US but do not investigate on the failure cause and resolve the issue.
Product: Mortgage

Me and my husband took out a mortgage on our house and we finished paying it several months ago and this company Citifinance is out of business and they are saying we still owe money which we don't I even have a clear deed to this house and it's making my credit score low due to this issue and XXXX XXXX is saying the same thing.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an FTC report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove these ITEMS listed below which is reporting inaccurately due to erroneous activity, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
Please remove these items as it is erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

i have tried many times to correct this account, Car Financial Services ( # XXXX ) on my consumer report most recently XX/XX/XXXX i contacted the consumer reporting agency about said violations according to FCRA 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( XXXX ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. 

The Gramm-Leach-Bliley Act ( GLB Act or GLBA ), also known as the Financial Modernization Act of XXXX, is a federal law enacted in the United States to control the ways financial institutions deal with the private information of individuals. The Act consists of three sections : The Financial Privacy Rule, which regulates the collection and disclosure of private financial information ; the Safeguards Rule, which stipulates that financial institutions must implement security programs to protect such information ; and the Pretexting provisions, which prohibit the practice of pretexting or accessing private information using false pretenses. The Act also requires financial institutions to give customers written privacy policy notices that explain their information-sharing practices.
Product: Money transfer, virtual currency, or money service

The crook pretended to be the bank itself. I received an email or text message asking me to confirm a large, fake XXXX payment. When I replied that I didnt authorize the transfer, the scammer followed up with a phone call pretending to be the bank. The phone number must have been spoofed so it showed up on caller ID as BOA bank. I was walked through instructions on how to reverse the unauthorized claims. Then on XX/XX/23 a zelle transfer of {$1100.00} was sent directly to the criminals for a suppose sofa I purchased which I didnt make. I called BOA right away and reported it. They told me it would take up to 45 days for a response. My claim claim was denied. Please help me.
Product: Credit reporting or other personal consumer reports

I have report to the Federal Trade Commission and CFPB of a count you have derogatory listed of my consumer profile keeping me from opening new accounts. I have not done business with XXXX XXXX XXXX XXXX there has been a consumer data breach because they mixed up information with a deceased consumer by same name which I have disputed for the last 6yrs. These accounts are verified under Identity Theft with the FTC which is the Report & enclosed below its uploaded, & enclosed with CFPB I'm asking you to remove the accounts from my report now.
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. Kindly update the following inaccurate items that are harming my credit. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

This is as much of an inquiry as it is a complaint. I have had Navient as my student loan provider for years. I have been making payments for a decade. A good stretch of my life was spent paying more than the interest to pay off principal, but the principal never appears to go down. I saw in the news that CFPB has sued Navient and I would like to see what resources are available for me. I will say that I fall under one of the groups harmed as I am a teacher. I was told that getting loan forgiveness of up to {$5000.00} ( that's the allotment for social studies teachers ) was not going to be an option because I had a late payment. I did not realize I had a late payment. 

The other problem is that I have worked at a XXXX XXXX XXXX for two year, not five. I do not necessarily take issue with that, but teachers at XXXX XXXX XXXX are working just as hard. I have a total of three years in XXXX XXXX. My first two years were at a XXXX XXXX XXXX. My current XXXX ( where I was placed by the district ) was XXXX XXXX only one year as a response to Hurricane Harvey. 

Please inform me what can be done.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer services 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 process was unfair and deceptive, as they did not comply with error resolution requirements under 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: Debt collection

1.I have never had an account with this company KEY 2 RECVRY XXXX , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are KEY 2 RECOVERY INC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is stating I owe them a balance. I have no knowledge of this company nor have I ever signed a contract with my signature. This is identity theft
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 my credit score with Experian decreased XXXX points from XXXX to XXXX, when I called and was able to speak with a representative on XX/XX/2023, he said that the company ( Experian ) could not give me the specific reason, only possible reasons, none of which applies to me. I have nothing negative on my credit report that should have caused my score to decrease. Are these credit reporting agencies allowed to do whatever with no control from anyone?
Product: Mortgage

The servicing of my loan was transferred to Suntrust from my previous loan servicing provider. My understanding is that Mortgage companies have a legal obligation to protect consumers during loan transfers between mortgage servicers. That means paperwork should not be lost and servicers should not lose track of a homeowners loss mitigation plans : however that has not been the case in my experience with Suntrust. Over the course of 8 weeks I've attempted to get my remaining monies from a loss claim that has been repaired and been told that I need to provide paperwork that I've already provided to the previous loan holder. Suntrust could not even confirm the amount that was still owed to me ... I received a call from them telling me they had resolved the missing information and mailed the check ... 3 weeks later when I called back in, as I had not received the check as told, I was informed again that they didn't know the amount I was speaking of and would need to send all initial paperwork to them and they would not reach out to the prior mortgage provider to get it. As a customer and mortgage holder I should not be collateral damage in the transferring and selling of my loan the Banks ' all make money on this sale and I at the end of the day feel I have been impacted negatively by it and still have yet to get the additional money that is owed to me. Suntrust needs to make this right.
Product: Credit reporting or other personal consumer reports

In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for reporting several accounts on my credit file that are the result of unauthorized use of my Social Security number. These accounts were not opened by me and are not connected to any actions I have taken. 

Under 15 U.S. Code 1681c2, I am requesting the immediate removal of the following accounts from my credit report within 4 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 's failure to properly investigate my dispute mirrors the issues highlighted in the CFPB and FTC actions against TransUnion for its illegal credit reporting practices. According to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), TransUnion engaged in practices that violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate consumer disputes, providing inaccurate results, and allowing errors to persist on credit reports. This harmful behavior significantly affected consumers like me, and it is a violation of my rights as outlined under the FCRA. 

Attached to this complaint is a dispute letter that I sent to TransUnion on XX/XX/year>, which is dated and time-stamped. Despite this, TransUnion has failed to resolve the matter appropriately. 

I have also included proof of identity and an FTC report to support my claim. I trust TransUnion will handle this matter promptly and ensure these inaccuracies are removed.
Product: Credit reporting or other personal consumer reports

I asked to contact the XXXX data breach Settlement, an my account was wired the Federal Judge, and used my account. After setting police reports with the administration to scam money and give my account to hackers. I may ask to, along without involving authorization of my work employee 's. I considered was to scam my credit also take action against me allowed to sue for a money was owed my account. Also pay my debts with good hands, I also need background reports of the incident and file for abandoned packages of shipment delays and investment fraud.
Product: Debt collection

I received a text message from " XXXX XXXX XXXX XXXX XXXX '' offering payment plan options for a debt I allegedly owe to Indigo Mastercard. I do not owe anything to Indigo Mastercard ; I do not have and have never had a card from them. All of my credit cards are in excellent standing and paid in full every month. I have no debt aside from student loans. I thought the text might be a phishing attempt, so I XXXX  -- and my goodness! It's actually WORSE than a phishing scam. There are COUNTLESS complaints by people who received these texts and then found a fake debt on their credit report in default status. Many people have figured out that XXXX XXXX purchased a very old debt ( that was legitimate in the past, but that since expired or was paid off ) and then reported it as a new debt! Others have simply fake debts on their reports. I have not yet checked my report, but if there is anything about this " Indigo Mastercard '' or XXXX XXXX XXXX reported on there, I will take every possible legal action.
Product: Debt collection

On XX/XX/2019 I started receiving letters from American Express stating that Using Amex cards by me family members or business partners is not permitted in an establishment where the card member is n employee, owner, family member of the merchant or an authorized signer on the merchant account The use of the cards in these instances is considered a breach of the merchant agreement and consequently is not permitted. 

I here say n admit that I never used my cards in n establishment where iam or my card members are owner or partners or family members or authorized users on any of the merchants accounts Further more there was never an agreement with Amex by having there card to use That i will be breaching anything in such circumstances if it were even thru which is not Thus Amex rebilled me disputes that was concluded in my favor going back 11 months of various merchants Totaling {$160000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting obsolete information in which I am in my rights to ask for old creditors to be removed. The  XXXX  accounts are  XXXX  Account number  XXXX , date opene d  XX/2007  o ve r 10 years old  and  XXXX  Account number  XXXX , date opene d  XX/2007  ov e r 9 ye  ars old. T he accounts are passed the age of removal and the other credit bureau had no issue deleting the outdated accounts. There is no payment history as I have never paid on these accounts and I have requested that you provide verification as to how the dispute was disputed and who verified the obsolete account so that I  may o btain legal assistance to the removal of the obsolete accounts. The accounts are not only obsolete they are not attached to any other accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX Bankruptcy Dismissed XXXX - I've submitted proof that this is not my signature on the petition, you need to remove this immediately. 

Chapter XXXX Bankruptcy Dismissed XXXX - This was filed in my name by someone else and was fraud please remove immediately this Bankruptcy. You are reporting inaccurate Bankruptcy information. I contact my local court and no bankruptcy could be found with any of the information you have provided : Please remove this account Immediately. 

Chapter XXXX Bankruptcy Discharged XXXX - The creditor agreed to remove this account from my report. However, you are still reporting it Chapter XXXX Bankruptcy Dismissed XXXX I have a certified letter from court stating they do not verify any accounts. 

Chapter XXXX Bankruptcy Dismissed XXXX I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed Bankruptcy Chapter XXXX Bankruptcy Dismissed XXXX - You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPB.