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

I HAVE BEEN A VICTIM OF FRAUD FOR YEARS AND HAVE A FRAUD ALERT ON MY THREE CREDIT BURIALS I HAVE FOUND WRONG SOCIAL SECURITY NUMBERS WRONG NAME AND COLLECTION ACCOUNTS THAT DO NOT BELONG TO ME. 

MY NAME IS XXXX XXXX XXXX MY XXXX IS XXXX DATE OF BIRTH IS XX/XX/1982 ADDRESS IS XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX PHONE NUMBER IS XXXX THERE IS ON MY XXXX REPORT ERRORS PROFESSIONAL DEBT THAT DOES NOT BELONG TO ME XXXX XXXX XXXX DOES NOT BELONG TO ME XXXX XXXX  DOES NOT BELONG TO ME I WOULD LIKE THIS CORRECTED AS IT IS AFFECTING MY CREDIT AND MY FINANCES ON EQUIFAX THERE IS ERRORS TOO XXXX XXXX XXXX DOES NOT BELONG TO ME ON XXXX THERE IS ERRORS TOO XXXX DOES NOT BELONG TO ME PROF DEBT DOES NOT BELONG TO ME
Product: Credit reporting or other personal consumer reports

Incorrect Name : XXXX XXXX EMPLOYMENT INCORRECT : XXXX XXXX XXXX XXXX XXXX  ADDRESSES INCORRECT : XXXX 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 XXXXXXXX This account needs to be validated . 
XXXX  XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX XXXX  XXXX Account XXXX This account needs to be validated. 
XXXX  XXXX XXXX Account XXXX This account to be validated. 
XXXX XXXX XXXX XXXX Account XXXX This account to be validated. 
XXXX XXXX  Account XXXX This account to be validated. 
XXXX XXXX Account XXXX This account to be validated XXXX XXXX  XXXX Account XXXX This account to be validated XXXX XXXX  BANK XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and XXXX with multiple disputes for inquiries I do not recognize nor have given consent to. Upon contacting the 2 bureaus they have only responded with they believe they are mine, without providing any ( wet ) original signatures, proof of ID or any correspondence with the companies responsible for running it. Upon sending multiple disputes I have found no luck with either of them and this issue continues to impact my credit score and worthiness.
Product: Credit card

American Express allowed unauthorized charges to my account. Complained, paid and reimbursed for almost a year. Was then cancelled and denied credit with them. I want to be reinstated..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Wells Fargo I didnt asked you to go in and Enter included in bankruptcy on Wells Fargo XXXX I have disputed this with XXXX and Wells Fargo and both of you guys fail to do a proper investigation based on XXXX credit report the bankruptcy was filed XX/XX/XXXX here we in the year XXXX and you trying to cover your XXXX and enter the requirements ive included in bankruptcy violating the FCRA both of you have been notified to start legal action. Remove the Wells Fargo account in its entirety and send me an updated credit report I dont care which one of you remove it but it needs to be removed see file of when it was at it! I attached a copy of the credit report into documents showing there is no XXXX XXXX reference anything about it could you please resend me the copy of the report that has been attached and highlight where or of if you see anything regarding a discharge XXXX  XXXX and I do exercise my rights under FCRA 609a ( 2 ) to request you to return the copy of the credit report thats attached to this complaints/ dispute Thank you XXXX
Product: Credit card or prepaid card

i sold my XXXX to an existing employee .. we filled out the take over of the BOA visa cards .. They accepted his paperwork and mine also. BOA DID NOT TAKE ME OFF AS RESPONSIBLE PARTY they did take new borrow info. a XXXX XXXX hung up on me after 54 minutes on the phone. she explained there was an issue with New borrow not filling out paperwork correctly. I explained that was not my problem as they already accepted him as a borrower. they have not removed me as a responsible party ... .I have called in on numerous occasions with no response, i have sent paperwork on several occasions, i visited the branch today with the same lack of effort and response ... XXXX XXXX is a XXXX horrible customer service person.
Product: Debt collection

Achieve loan and XXXX XXXX XXXX misrepresented themselves and withheld critical information from me when this contract was extended. Achieve loan be the seller of the contract and XXXX XXXXXXXX XXXX acting as the lender. Achieve did not disclose the contract itself is the collateral that secures payment. Not only did Achieve make money from this transaction but XXXX XXXX XXXX as well being the depository bank. Seeing how this is my security I should legally and lawfully be receiving my share of the investment for my benefit. It is known under federal law that banks are BARRED from loaning money therefore XXXX XXXXXXXX XXXX can not lend anything of value. Neither Achieve Personal Loans or XXXX XXXXXXXX XXXX take into consideration the harm and damages this deception would cost me. 
( 9 ) " Financial asset, '' except as otherwise provided in Section 8-103, means : ( i ) a security ; ( ii ) an obligation of a person or a share, participation, or other interest in a person or in property or an enterprise of a person, which is, or is of a type, dealt in or traded on financial markets, or which is recognized in any area in which it is issued or dealt in as a medium for investment ; or ( iii ) any property that is held by a securities intermediary for another person in a securities account if the securities intermediary has expressly agreed with the other person that the property is to be treated as a financial asset under this Article.

As context requires, the term means either the interest itself or the means by which a person 's claim to it is evidenced, including a certificated or uncertificated security, a security certificate, or a security entitlement.

( 14 ) " Securities intermediary '' means : ( i ) a clearing corporation ; or ( ii ) a person, including a bank or broker, that in the ordinary course of its business maintains securities accounts for others and is acting in that capacity.

( 15 ) " Security, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article.

( 16 ) " Security certificate '' means a certificate representing a security.

( 17 ) " Security entitlement '' means the rights and property interest of an entitlement holder with respect to a financial asset specified in Part 5.
Product: Debt collection

Improper reporting to Credit Bureaus I found this company ERC on my credit report in XXXX of 2016 after having a lender pull my credit. I have never heard of them before and have never heard from them whatsoever. I never talked to these people or received any notice or letter from them. Was not aware of their existence until XXXX. The XXXX accounts that they reported to all XXXX credit bureaus were showing closed. I disputed them because I have never heard of this company before. After I disputed, ERC updated my credit report and started reporting them as OPEN, even though they were previously showing closed, they are old. I called the number several times to try to find out what this was about to no avail. I have yet to receive any call back or any information from anyone at ERC. Through some digging of my own, I found out that these XXXX accounts ( att and sprint ) are allegedly old debts that they bought from these companies. They must have bought them and then IMMEDIATELY started reporting them because again, they have never made any contact with me before reporting to all CRAs. The funny thing is that I have my current cell phone and tv service with XXXX, which I acquired after this supposed debt and an att representative just told me that not only can they not find any old debt that I owe, but that if I owed anything past due I would not have been able to get new services with them, without paying it or if at all. The alleged XXXX bill is an even bigger deal because it is much higher. It will always be crucial to me to verify or validate any debt that any company says I have due to the fact that I have had my SS # used by a family member in the past year ago and so I will always require validation just to make sure it actually does belong to me and to avoid becoming a victim at any point again. This was never done by ERC. As I stated, they simply bought these debts and starting reporting them, it seems. That collection tactic, I guess, is designed to shock/scare the consumer into to paying when they discover the surprise. The only thing they have done is to update my credit report and to change it from closed to open - now almost 4 years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Wells Fargo continuously asked me for more and more information to verify my address after I had already been approved for and opened the account. I finally closed the account over this. They also never sent me the credit card I was approved for ( I could only use it on my phone through a digital link they gave me ) and recently found out my credit card account is still open even though I called to close it and was told it was closed over a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX  and XXXX XXXX in regards to an old account with XXXX XXXX and Commonwealth Financial Systems. The XXXX XXXX account is old and should be removed from my report. The CFS account is from an old medical bill and was removed from my reports several years ago. Now it is reappearing on my reports under the CFS Collection Agency. This account is at least XXXX years old and once removed should not reappear under any other name. I have requested removal and all I get is the info is correct or you have already disputed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refer to attachments thanks ( I do not know these debt collectors and I have never been in communication with them so pursuant to the FDCPA This is yet another violation )
Product: Mortgage

Bank of America , N.A . also know as BAC Home Loan changed the loan/account number without my consent. Foreclosed on my home under loan number that is not under the contract we signed.
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX XXXX. 
I was definitely impacted by XXXX. Hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. But i don't see any details about your investigation. 
A fine will be applied soon if proper investigation is'nt applied too.
Product: Credit reporting or other personal consumer reports

Once your debt has been sold to a 3rd party debt collector, the creditor can no longer collect on that debt. They sold your debt to a collection agency. You don't know who they are because you never agreed to anything with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to take my identity theft report which indicates that the Chase account is a result of Identity theft. XXXX keeps claiming that it is not identity theft when there are multiple reports and also there is an FTC report which they keep on turning a blind on eye too. I already told XXXX and Chase that I refused to pay for something that is not my fault nor is it something I caused. I believe XXXX and Chase have a secret agreement because XXXX is the only one who is foolish enough to keep this game going on and they are messing with my life personally because they are making it hard for me to get credit in my name that is actually mine. XXXX needs to Remove the Chase account from my Credit Report.
Product: Credit reporting or other personal consumer reports

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

XXXX 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 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 if information Any other adverse item of information, other than records of convictions od 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.

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: Debt collection

I have no idea who National Credit Systems is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. National Credit Systems is indicating that an account with the account number XXXX was opened with their company in XX/XX/2014. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

National Credit Systems has not provided requested information. I contacted National Credit Systems via certified mail RR XXXX XXXX XXXX XXXX XXXX and they did not respond. 
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized National Credit Systems as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ National Credit Systems } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to National Credit Systems, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX shared my account infomation without my consent to all three credit bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

I emailed XXXX XXXX customer service line on XX/XX/XXXXXXXX   to stop automatic payments. I received no response besides an automatic reply informing me someone would contact me on XX/XX/XXXX. In the past, when I have needed a deferral, they have always replied in a timely manner. 

On XX/XX/XXXXXXXX  I reached out again.again. No response was received besides an automatic reply informing me someone would contact me on XX/XX/XXXX. 

On XX/XX/XXXXXXXX   I emailed them and requested a deferral since I was not getting a response for stopping automatic payments. 

On XX/XX/XXXXXXXX   I was informed I could no defer a payment until my 4th payment ( I had refinanced thus restarting my loan ). 

Then recently ( I can not find the date ) I requested them to stop automatic payments again and have no received a single message.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

on XXXX XXXX, XXXX Bank of America reported on to the credit bureaus that account # XXXX was included in a bankruptcy. I do not have a mortgage account with Bank of America, nor was this account included in a bankruptcy. Bank of America sold my property for {$160000.00} On XXXX XXXX, XXXX realizing a profit of {$21000.00} of which I did not see a penny of nor was I informed of foreclosure procedures or given an opportunity for Redemption.Bank of America Illegally foreclosed upon XXXX XXXX XXXX # XXXX on XXXX XXXX, XXXX, reporting the property to the IRS as abandoned and claiming assignment of a Grant Deed from " Country Wide Home Mortgage. '' This was Illegal a predatory hostile take over in conspiracy with XXXX and XXXX Attorney for XXXX XXXX XXXX XXXX. In XXXX XXXX Bank of America advertised the property for sale for cash only through XXXX, agent XXXX Bank of America sold the property to a XXXX XXXX XXXX for {$130000.00} cash and closed on the property on XXXX XXXX, XXXX. For Bank of America to have now claimed that that same account was a part of a Bankruptcy on XXXX XXXX, XXXX is the highest form of FRAUD and has cause me irreputable Economic, mental Anguish, damage that one can not recover from. 
I demand that Bank Of America make restitution, be Sanctioned, be fined and must pay damages to the maximum allowed to XXXX XXXX. 
This was the most blatant rapping of a property from it 's owner imaginable. First of all Recntrust changed my name on the tax records in XXXX of XXXX, of which they had no authority to do so and without any notice to the owner. Bank of America said to RECONTRUST, not s fast, you ca n't do that, so RECONTRUST in XXXX XXXX transferred the property over to XXXX who reported the sale price as {$210000.00}, then there was this claim of an Auction of the property on XXXX XXXX, XXXX of which never occurred, the Auctioneer said that the property was sold in house, that Bank of America bought the property. Bank of America was contacted and they said that the XXXX XXXX bought the property for {$160000.00}. In the meanwhile that very day Bank of America claim to have recorded the sale for {$160000.00} reported to the IRS that very day and in addition, that the property was " ABANDONED. '' Documented proof from Title and Escrow to verify above stated information. I would like to have the Federal Government regulators reign over these MORTGAGE cheaters, Bank of America, XXXX, XXXX, Country Wide, XXXX XXXX all have caused such loss, financial ruins and damages to so many people like me. I want my property back and I want Bank of America to pay for their predatory acts against innocent people. I am a senior citizen, these are the people that Bank of America and XXXX and XXXX prey upon to suck the life out of and cause them economic bankruptcy and leave people destitute. The resolution her is for the Federal Government to step up to the plate and STOP these predators and to stringently make retribution to their VICTIMS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX reported a late payment of 30 days on XX/XX/XXXX in the amount of XXXX dollars, and XXXX XXXX XXXX XXXX reference # XXXX on XX/XX/XXXX reported a XXXX XXXXXXXX and in doing so 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 information without my written instructions.
Product: Mortgage

I sent a check and requested that the amount be applied to principal. Checks are allowed so long as they are made payable to the correct entity, which was the case here, " Rushmore Loan Management Services ''.

Rushmore is refusing to process my payment to principal as requested, alleging that a check toward principal is not allowed, which I know to be false.