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

Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX  account XXXX is not my account. I also have some inquiries on my credit report that didnt give these companies permission to run my credit please delete these accounts immediately 15 U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on my credit report
Product: Mortgage

On XX/XX/XXXX I made my XXXX payment. On XX/XX/XXXX was the first communication I received saying my payment was not made. My mortgage company Mr. Cooper is refusing to reimburse me the nsf fee. Their IT dept can show I logged frequently to check the status of my XXXX payment as the payment never debited my account. The Mr. Cooper homepage showed my account current for two weeks. The mortgage company provided no information that the payment was not made till after the payment was considered late. As a consumer I had no communication or was even given the opportunity to rectify the matter before penalties occurred
Product: Credit reporting, credit repair services, 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 XXXX XXXXXX/XX/2022 Equifax XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX Used XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/2022 Equifax XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX Used XX/XX/2022 XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 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: Checking or savings account

Hello, The requirements for BMO Harris incentive were two deposits for {$300.00} within 90 days. 
Account opening : XX/XX/XXXX ( 90 days would be effective on XX/XX/XXXX ) XXXX XXXX : XX/XX/XXXX {$300.00} XXXX XXXX : XX/XX/XXXX {$300.00} XXXX XXXX : XX/XX/XXXX{$300.00} XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XX/XX/XXXX{$520.00} XXXX XXXX   XX/XX/XXXX{$670.00} The above fulfills the deposit requirements. 

Please have BMO deposit the {$200.00} offer.
Product: Credit reporting or other personal consumer reports

I checked my XXXX XXXX and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Six months ago, I noticed Mariner Finance on my credit report and knew I had never done business with them. I did do business with Personal Finance who was acquired by Mariner Finance and the loan that I had with Personal Finance I had a perfect payment record and was closed and paid off in XXXX of 2014, which is also reflected on my credit report. I called Mariner Finance and was told the loan was too old and they could not access any information on it.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate.

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please Remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$310.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( XXXX Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX is reporting a chargde off account on my report incorrectly. It opened in XX/XX/XXXX and the last payment was XXXX.It was a toy car for a kid. The item immediately broke andthey refused to honor the warranty for the defective merchandise. I returned the item to thestore to be fixed and they kept it. Now they are illegally re-aging the account trying to showthat the account is constantly 90 days late every month since then to hurt my credit eventhough this has charged off over almost 6 years ago. The credit report erroneously showsthat that the account is 90 days delinquent every month since XX/XX/XXXX. It also shows thatthe account closed in XX/XX/XXXX. An account can not be closed and be late every monthand be charged off all at the same time. This account is hurting my ability to obtain fair andreasonable housing and I am seeking the advice of counsel and the fair housing authority. 

I have already submitted a complaint to the CFPB about this exact issue stated above and it was closed by the CFPB after La Curacao responded and denied that they were illegally re-aging the account. In their response they attached a XXXX  accounting report showing that the account was closed in XX/XX/XXXX. 

The reason why XXXX does not show any 90 day late payments or the account being derogatory is because the derogatory account is reported through XXXX  and NOT XXXX.I do not even have a XXXX score assigned to me from XXXX. I believe La Curacao is either intentionally or unintentionally trying to mislead the CFPB into thinking that the account is reported through XXXX and not XXXX by only providing information from a single bureau. The CFPB closed that complaint wrongfully without fully investigating what credit bureau it was coming from so I am creating a new complaint in hopes to get fair resolution to my issue. I am attaching an image of the derogatory account from a credit report that was pulled on my behalf. It quite clearly shows that the account was closed in XX/XX/XXXX. It also shows a list of all the 90 day late payments from XXXX which again is impossible if the account was closed as a charge-off in XX/XX/XXXX. It also quite clearly shows that XXXX  is the bureau responsible for reporting and NOT XXXX. This can be confirmed by XXXX  if need be. I hope this is thoroughly investigated by the CFPB this time around to resolve my blatantly obvious credit reporting issue.
Product: Debt collection

In the month of XXXX Tower loan kept calling my cell and job and they came to my home. I think the lady name is XXXX I called her back to try to work out something to get the loan paid and she was very rude so I ended the conversation and filed a complaint with the company. The manger calls me back and I told them to stop calling me and harassing me at work and he told me they can call and do whatever they want. On XX/XX/year> the bank called and said someone was returning my call so I said I'm not expecting a call so I asked who it was and XXXX told me it was Tower Loan so I said they are lying I am not expecting a call from anyone. On XX/XX/year> someone from Tower loan came to my house to bring a letter. On today XX/XX/year> the bank called and said they want Tower Loan to stop calling the bank 5 to 6 times a day being rude to employees and harassing me. My company told them to stop calling however they will not stop. One loan I think is {$190.00} and the other loan is around XXXX XXXX and something dollars. This is Tower Loan in central, Louisiana
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX, 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 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

In accordance with the Fair Credit Reporting Act, my right have been violated.

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as ate for any purpose.
Product: Credit card or prepaid card

XX/XX/2019 Charge for {$250.00} SQC*CASH APP - USAA - CASE XXXX XX/XX/2019 Charge for {$110.00} SQC*CASH APP - USAA - CASE XXXX These charges were never authorized by me and I never received any money. I contacted XXXX XXXX but they have no phone system and attempted to message them with their in app support system. It usually takes many days for a response. I never heard back from CASH APP so I called USAA and started a dispute. It was very easy and got temporary credits in my account. I believe I had the credits around XX/XX/XXXX. Then on XX/XX/2019 USAA sent me 2 plain emails with pdf attachments. It does not say in the email that any information is required or my immediate response is requested. But hidden away in the pdf files is a request for more information. Because I don't check every email I receive from USAA because usually they are junk mail, I never opened the pdf, and then USAA DENIED my dispute. They never called me or sent another email. They never sent me a letter or anything they just denied it and took my money. After a few phone calls speaking to a supervisor I was able to resubmit the information. On XX/XX/2019 my one dispute is finally reopened XX/XX/2019 Charge for {$110.00} SQC*CASH APP - USAA - CASE XXXX. XX/XX/2019 Charge for {$250.00} SQC*CASH APP - USAA - CASE XXXX DISPUTE # 2 for {$250.00} has not been reopened since I uploaded information about the case.____ ______________________________________________________________ ORIGINAL COMPLIANT I have called USAA at least 5 times since I have filed the last complaint and I have no 0 progress getting in contact with anyone. I do not even know if they are looking at the 2nd complaint. How can I call this many times and still not know if my complaint is being looked at?
Product: Mortgage

We were advised by XXXX XXXX, Code Enforcement XXXX for XXXX XXXX, TN. Around XX/XX/XXXX, that XXXX XXXX on XXXX XXXX XXXX here in XXXX XXXX are prone to sinkholes. There were no mention of the sinkholes by XXXX XXXX XXXX XXXX XXXX XXXX, Title and Escrow, XXXX XXXX of XXXX Banker, and realtor XXXX XXXX of XXXX XXXX. We found out about not just the sinkholes, but that the fact that our condo is built on the top of a slate rock cave ( address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. ) and was told by XXXX XXXX herself to my XXXX XXXX partner XXXX XXXX, whose name is on the deed with mine. There were no PLAT maps accessible there at The Title and Escrow place. In ALL of our closing documents there is no such documentation about sinkholes, and the condo being built on top of a XXXX  XXXX XXXX. Me and XXXX have been living XXXX XXXX that this place will sink into the ground at any moment. XXXX XXXX said that this condo will definitely not sustain the length/life of the loan. I have mobility issues, XXXX and I are both agoraphobic, so resilience and optimism are two thing that were stolen from us. We are both on tightly fixed incomes. I had a grand mal XXXX XX/XX/XXXX and died. This stress of knowing this soul crushing truth has had a lot of negative impact on both XXXX 's mentality and mine. If XXXX XXXX calls you ; talk to him! I can not handle much more stress cause if I have another XXXX, it could possibly kill me. We deserve a lot of compensation for our suffering, being exploited, and public apologies. Tennessee is so corrupt, still, even now. I forward everything to XXXX XXXX 's email. I am no longer putting myself on the back burner. This is me voicing out all over the entirety of everywhere that, IT IS NOW OUR TURN to feel safe and to know what real security is. 

XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of debt bondage
Product: Credit card or prepaid card

I have been an American Express card member since XXXX. In addition to my XXXX XXXX  credit card, I was recently approved for the XXXX XXXX Credit Card earlier this year. I have made two monthly payments on the new XXXX XXXX Credit Card. 

From XX/XX/XXXX - XX/XX/XXXX, I have been reaching out to America Express to request a courtesy refund of late charges of {$29.00} assessed to my credit card. They have denied this request with no reason given. On my last call, I authorized a 3-way call with reps from XXXX XXXX XXXX , American Express and myself. 

My payment was due on XX/XX/XXXX. I scheduled a payment to be made via Online Banking with XXXX  XXXX XXXX to be delivered by XX/XX/XXXX. A late fee of {$29.00} dollars was assessed on XX/XX/XXXX. The payment was posted to my account on XX/XX/XXXX. 

On several attempts, I explained to the American Express representative that I also had another American Express credit card that I also paid via online banking with XXXX XXXX XXXX. The payment for this credit card is sent electronically. It was my expectation that when I added the new credit card that the payment would be made electronically as well. I have come to learn that due to some unknown reason, which no one at either bank can explain, a paper check is sent. 

As the consumer, I don't know what internal process XXXX  XXXX XXXX uses for bill pay nor do I have control over the USPS. Even with this knowledge, American Express refused to refund the late fee and that is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am filing this complaint for violation of the Fair Credit Reporting Act, 15 USC section 1681. On or about XXXX XX/XX/XXXX ] I obtain three consumer credit reports from the three ( 3 ) major credit bureaus XXXX, XXXX  and XXXX. At this time I notice and found an inquiry by [ Consumer Portfolio ] to obtain my consumer credit on XX/XX/XXXX. 
I have never had any business dealing with [ Consumer Portfolio ], nor have I applied for any credit or services, or employment as defined in 15 USC section 1681 ( b ), neither have I executed any contracts resulting in an account in favor of the [ Consumer Portfolio ]. 
On XXXX XX/XX/XXXX XXXX, [ Consumer Portfolio ] obtained my consumer credit with no " permissible purpose '' and appears to be a violation of 15 USC section 1681 ( b ). I am filing this compliant with the Consumer Financial Protection Bureau, XXXX XXXX XXXX and Attorney General notifying [ Consumer Portfolio ] of their violation in an attempt to mitigate future damages and obtain settlement from [ Consumer Portfolio ] prior to filing any legal action. At no time did I give the [ Consumer Portfolio ] permission to obtain my consumer credit report from any credit reporting agency. The actions of the [ Consumer Portfolio ] in obtaining my consumer credit report with no permissible purpose or my consent was a willful violation of 15 USC section 1681 ( b ), and egregious violation of my right to privacy.

[ Consumer Portfolio ] had a duty to properly as [ Consumer Portfolio ] had a right to collect, resulting in [ Consumer Portfolio ] obtaining my consumer report. Therefore I may be entitled to damages by operation of law. 
I demand Consumer Portfolio remove the inquiry from Consumer Portfolio my consumer credit report. 

certain if there was in fact any legitimate permissible purpose for obtaining my consumer credit report. [ Consumer Portfolio ] however breach said duty by failing to do so. There was no account that Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a ring back in XXXX of XXXX as a gift for my wife. The ring was a special order AND XXXX had a special, 0 % financing so I figured Id use that with an existing XXXX XXXX XXXX card that I had from when I got engaged. When I gave the saleswoman my information at the XXXX store she was able to pull my credit card that way and issue a payment that way ( I had my old card destroyed so this was the best way to get 0 % and not have to open another card ). She updated my information on file to make sure the statements went to the right address and I was in my way. 

When I purchased the ring it had to be made so I wasnt able to get the the ring until mid-XXXX of XXXX so I figured that would be why I didnt receive a statement from the company. However, after a month of not getting anything I decided to check in and noticed on XXXX XXXX that this was flagged as delinquent and resulted in a negative mark on my credit ; this dropped my score nearly 80 points. 

After 4 hours between departments today ( XX/XX/XXXX ) it turns out that XXXX XXXX has been sending my statements to the incorrect address for months and decided to never get in contact with me. It went on to the point that the Post Office informed them that it was the incorrect address but still no effort was made to contact me so that I could pay and be in good standing. It took todays call for me to discover that, the multiple reps apologized and admitted that it was indeed the wrong address and they waived the late fees and took a payment over the phone. However, when I asked them to report the account as current and to get rid of the bad report To the Credit Bureaus they stated that they would not. I have paid my bill and updated my information but it took ME to call THEM to get the issue that was caused on their end to begin with to fix the billing error. Now my credit has been damaged tremendously and Im stuck waiting for them to send me paper statements showing the incorrect address so that I can file a dispute with Transunion and XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I saw an XXXX XXXX XXXX  on XXXX. My mom wanted a new XXXX because her previous one stopped working. I found one listed for {$220.00} and contacted the seller. She told me that it was not her XXXX and she was just helping her friend sell it. She gave me her friend 's number and I reached out to her about the payment method. She claimed that CashApp had some kind of buyer protection, so I sent her half the payment ( {$110.00} ). The next day, she said that her mother was worried that I would not pay the rest, so I kindly paid the full amount. She promised to ship it on Monday and asked for my email address, which I gave her. After that, she blocked me. 

I reported this scam to CashApp, but I have not heard anything back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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: Debt collection

Nelson, Cruz & Associates, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX sends repeated statements for money due, threatens suit several times, claims payment made on debt and debt is still collectable even though debt is from XX/XX/XXXX. Stated would send documentation by email re debt but instead got another demand letter. XXXX associate claimed debt was from XX/XX/XXXX and they will immediately file suit. XXXX associate at company stated debt is not time barred for a payment was made which is false.