23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Hello, I have CashApp for rewards to two charity thrift stores. When I looked Under my account it stated your account is closed. There is no phone number the support number to send email messages. I sent a minimum of eight emails in In Wy my CashApp was closed. Im looking at I noticed distributed by XX/XX/XXXX.Information they would give me was that it was a service that was violated no further details provided. I explained to them that Ive been stolen and close. I contacted XXXX XXXX  and ask them if there had been any transaction that has been sent money and then reversed. They said they were sending me a copy of the transactions that occurred while my possession. I later got correspondence stating that they would not give me information that they will give it to my bank. I went to my local XXXX XXXX  and asked for these emails Regarding transactions to be emailed to me that is going to happen this week. However refuses to Provide any help with any information about anything that went on even though this is my account and none of my rewards which are not associated with XXXX college are posting. I had heardThat there is a tremendous amount of fraud That occurs with cash app with CashApp. This is owned by The company squared out of XXXX XXXX.
Product: Credit card or prepaid card

Nordstrom accepted 2 negotiable instruments but refuses to adjust the account balance.
Product: Mortgage

We obtained a refinance of the mortgage on our home.The new mortgager was GMAC.The title company never paid off the original mortgage with XXXX and XXXX principles of XXXX Title ended up in prison.We were able to negotiate a settlement with GMAC so we did not have XXXX mortgages on the same property.Subsequently GMAC sold our released mortgage to Ocwen who then tried to forclose on the property.We avoided the foreclosure and reached a settlement with Ocwen because they ruined our credit after starting foreclosure proceedings XXXX separate times.The question is since GMAC no longer exists do we have any recourse against GMACXXXX for violating the terms of the confidential settlement agreement?
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I started an application with my bank on XX/XX/2023. The bank pulled my credit report as part of the process. I have been getting phone calls back to back all day today from lenders. Some of which I asked how they got my number and they stated, the credit report company gives them the information in order for them to call, and offer better, more competitive rates. 
I am filling the report ; however, I do not know if this is common practice. Although, I do not think it is fair for consumers/applicants to have their information and intent all over the place. Much less receive unsolicited phone calls based on an application process. 
Regards,
Product: Credit card or prepaid card

Bloomingdales sent me an email regarding a purchase made online with my credit card I have agent from Bloomingdales consumer protection department did advise to submit claim with CFPB because I could be a victim of fraud.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent numerous letters to XXXX, Equifax, and XXXX detailing the fact that my identity had been stolen and that fraudulent accounts had been opened in my name and reporting on my credit report. Despite the many certified letters I sent that was n't returned to me and the phone calls nothing has been corrected. I contacted XXXX and waited 1hour and 30minutes for someone to initially tell me they have n't received anything. Once I told them my certified receipt numbers she conveniently found some of my information but supposedly not all of it. I asked her how was it possible to get some of it but not all? She could not adequately answer my question. My name and SSN came up in the Equifax Breach as well as the XXXX Breach but yet no one wants to remove the inaccurate information. I sent letters to both the creditor and the reporting agencies. I reported fraud alert years ago nothing was done. Did it last year nothing was done. And when I finally talked to the representative she told me my police report was n't good enough. I said well what more do you want me to do? She was very nasty to me and not concerned about me the victim.
Product: Debt collection

THIS COMPANY HAS REPORTED INACCURATE LATE INFORMATION ON MY CREDIT REPORT I AM REQUESTING THIS INFORMATION REMOVED. THIS ACCOUNT SHOULD BE CLOSED THE LAST REPORT OF THIS INFORMATION ON MY OTHER TWO CREDIT BUREAUS WAS XXXX OF 2019. THIS COMPANY HAS REPORTED RECENT INFORMATION AND I NEED IT UPDATED AND REMOVED ESPECIALLY THE LATE CHARGES.
Product: Vehicle loan or lease

I, XXXX CALLENDER HAVE NEVER MISSED MY CAR PAYMENTS THRU OUT THIS
 ENTIRE LOAN. ACCOUNT # XXXX, VEHICLE FINANCED, XXXX XXXX XXXX. LOAN  RECEIVED XX/XX/XXXX XXXX THRU (XXXX XXXX) AND THIS COMPANY (LEADERS FINANCE). I WOULD CORRESPOND WITH XXXX) IF I WAS HAVING A PROBLEM WITH MY ACCOUNT. THE STAFF HAS ADDED UP TO XXXX IN SO CALLED LATE FEES THAT ARE NOT CORRECT.

THEIR ADDRESS IS XXXX XXXX XXXX XXXX XXXX
CXXXX, NEW JERSEY XXXX.
XXXX

WOULD LIKE THIS ACCOUNT FIXED AND THE INCORRECT INFORMATION TAKEN OFF OF MY CREDIT.

PLEASE ADVISE,
XXXX CALLENDER
XXXX XXXX XXXX FL. XXXX XXXX XXXX, NJ XXXX
XXXX
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX
Product: Mortgage

PNC received the first half of my biweekly payment XXXX and the second half XX/XX/XXXX. They held my payment in a suspension account for over a week. Then I called on XX/XX/XXXX and asked them to credit the payment to my principal, interest, and escrow like they normally do. They said they would create a task to do it. I called again XX/XX/XXXX because I saw no change and the lady said the task was scheduled to run by XXXX XXXX XXXXXX/XX/XXXX. Now my account is showing a new balance and you still dont see the principal, interest, and escrow credited properly. It also looks like they took the principal only payment that I made on XX/XX/XXXX and put it into the suspension account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX  % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Mortgage

Loancare LLC began servicing my mortgage as of XX/XX/2018. I received a letter via USPS dated XX/XX/XXXX containing a XXXX form with information fields populated containing personally identifiable information including my name, address, SS # and mortgage loan account number. Loancare wanted this form signed then mailed back via USPS. All this information can be used to access the account via telephone. This is likely a violation of numerous regulations including the Gramm-Leach-Bliley Act among others. I called Loancare to express my concern over their disregard of customer data protection and requested to speak with several executive managers by name over the compliance and data security practice areas. Loancare would not connect the call and instead gave misleading information about sending such data via US mail with no regard for protection.
Product: Debt collection

I have a collections amount of {$6500.00} on my credit bureau reports listed as under collections from Jefferson Capital, and I do not recognize this debt, which showed up unexpectedly to me. I searched back in my communications and only found an old email from them attempting to communicate the debt, and have received no further communications from them about this either by mail or phone. I attempted to dispute this account through credit bureaus twice and was told there was no change to the account. I would like to receive debt verification for this account and would like to see documentation that this debt belongs to me and they are legally in possession of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. Based on 15 U.S Code 1681bXXXX Permissible purposes of consumer ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following and no other : ( XXXX ) In accordance with the written instruction of the consumer to whom it relates. I NEVER GAVE ANY CONSUMER REPORTING AGENCY PERMISSION WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER FILE WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER NO CONSENT IS IDENTITY THEFT. IM DEMANDING THESE BE DELETED IMMEDIATELY.
Product: Checking or savings account

This month the HOA fees were not deducted causing me to have to pay fees and charges. Comerica Bank says that the HOA never took the ACH this month. The HOA says they attempted and funds were not there. I don't know who to believe, I have never been late with ANY of my Fees or Mortgage The HOA is XXXX XXXX Attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Michigan I was sent a delinquency notice
Product: Credit reporting

In XXXX 2015, I filed a second dispute with Experian regarding two account that were not updated after my XXXX 2015 chapter XXXX bankruptcy filing. The named accounts are : XXXX XXXX Bank # XXXX for ( {$750.00} ) and XXXX XXXX XXXX # XXXX ( charge-off ) on my credit report. I attached my bankruptcy letter and petition verifying these two accounts were listed in my bankruptcy case # XXXX by XXXX XXXX XXXX XXXX. I received an email stating the investigation determined no changes were needed. 

I am seeking assist to have my Experian credit report updated to reflect my chapter XXXX bankruptcy filing. XXXX XXXX XXXX XXXX XXXX XXXX Bank are listed in the petition. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

attach information equifax has ruined my life
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the phone app of XX/XX/XXXX on my phone which give 3 of the creditor businesses appearance.XX/XX/XXXX and Transunion have it down on the app that i am delinquent with XXXX XXXX even though the account has been closed, i have tried to go into those 2 and correct it with the dispute but conveniently they have it where you can not do so. I have never been delinquent with XXXX XXXX and do not even want them on my reports, period! I am fed up with these businesses deliberately posting lies and statements for people XXXX XX/XX/XXXX XXXX like XXXX XXXX who throw a temper tantrum over a customer who has had enough of they're acting out behavior of preschool. Photos attached
Product: Checking or savings account

I tried to open up an account at the end of XXXX online, and the bank declined my request to open an account because of my credit score. So, I'm upset they ran my credit and now I have an inquiry request on my credit report. Plus, I'm going to be putting money in my account so why am I denied. I think this is discrimination because I don't have great credit. It's not like I'm asking for a credit card. This is definitely not fair. I guess this is how big corporations work.
Product: Vehicle loan or lease

I had a XXXX XXXX  Financed by Capital one Bank I took it out on XX/XX/XXXX, in XXXX I was a XXXX XXXX XXXX XXXXXXXX and I moved to the city with my XXXX XXXX, who was XXXX XXXX XXXX at the time, I moved from XXXX  to XXXX XXXX XXXXXXXX I couldn't pay the monthly payments to Capital One anymore, so I decided to call the bank and give them the car. My last payment was in XX/XX/XXXX. 
In XX/XX/XXXX, they repossessed the car that was parked in the garage of the house that I currently live in, in XX/XX/XXXX I received a call from Capital one which told me that they had sold the car, they never sent me any letter or document that said that I owed Capital one, I wanted to see my credit and I saw that Capital one in XXXX He put me in collection immediately I called and they told me that my debt was current I told him it can't be because you sold the car and I never received any document that says I owe the final Agent didn't help me and I do not know what to do, I need help because they are destroying my credit and I don't know what to do. 

When I called Capital One it was to ask for an explanation and they would help me and what they did was send me a document to my email saying that I had called to validate my account That's why I ask for an investigation I can not financially afford a lawyer Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Expressed several time to this company about how in 2012 I had identity theft, the IRS has this on file as I was victim and was provided the tax advocate to investigate the problem to stop the thief from getting my money since then I've seen all types of credit and hard inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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

The company portfolio recovery called me trying to collected debt owe. I never spoke with anyone from this company before that call. A contract was never issue. Reaching out to porfolio recovery lack reasoning. making there calls illegitimate and stocking behaving illegal. I clearly have no idea what they are talking about and still they keep reporting this negative account on my credit.
Product: Debt collection

On XX/XX/2021 I settled with the Debt Collector Midland Credit Management On XXXX XXXX and XXXX  XXXX credit cards. I was not informed of my right under the fair credit act that I had the right to dispute the validity of the debts own. My rights were violated and I was tricked out of my money. I agreed to pay for deletion of the tradelines with the companies and they are still reporting on all 3 credit bureau. Midland Credit Management has violated several laws including 18 U.S.C. 1342 and 15 U.S.C. 1692b ( 5 ). 

XX/XX/2021- {$1300.00} XX/XX/2021- {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recently checked my credit profile and i saw Multiple fraudulent accounts and fraudulent inquiries. Those fraudulent accounts are XXXX {$18000.00} XXXX XXXX {$780.00} XXXX XXXX {$59.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX {$5200.00} XXXX XXXX {$360.00} XXXX XXXX {$1000.00} The following inquiries are fruaulent : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I Have reached out to the furnishers and they each told me to contact XXXX, Transunion & XXXX. I have filed a FTC REPORT, AN IDENTITY THEFT REPORT AND A IDENTITY THEFT AFFIDAVIT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to express my extreme frustration and anger regarding the sudden appearance of fraudulent collection accounts and unauthorized inquiries on my credit report. The inclusion of these inaccurate and damaging entries is not only unfounded but also severely tarnishing my financial standing and destroying my creditworthiness. 
XXXX XXXX XXXX XXXX PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!!! 
XXXX XXXXXXXX XXXX  INQUIRY DATE XXXX DELETE!!!! 
XXXXXXXX XXXX XXXX  INQUIRY DATE XXXX DELETE!!!! 
XXXX  INQUIRY DATE XXXX DELETE!!!! 
XXXX XXXX XXXX INQUIRY DATE XX/XX/2023 PLEASE DELETE!!!! 
XXXX XXXX XXXX INQUIRY DATE XX/XX/2023 PLEASE DELETE!!!! 
XXXX XXXX XXXX INQUIRY DATE XXXXPLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/2023 PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX INQUIRY DATE XXXXXXXX XXXXETE!!!! 
XXXX XXXX INQUIRY DATE XXXXPLEASE DELETE!!!! XXXX XXXX XXXX  INQUIRY DATE XXXXPLEASE DELETE!!!! 
XXXX XXXX XXXX INQUIRY DATE XXXX DELETE!!!! 
It is utterly distressing to discover such derogatory information on my credit report, especially when my financial history has previously been impeccable. The sudden and unexplained appearance of these fraudulent collection accounts and unauthorized inquiries is not only shocking but also completely unacceptable. 
I demand an immediate and thorough investigation into these matters, and I expect prompt action to rectify these inaccuracies on my credit report. The presence of fraudulent information is not only damaging my creditworthiness but also causing undue distress and frustration. 
I find it incredulous that such damaging entries could be added to my credit report without proper verification and validation. It is your responsibility, as a credit reporting agency, to ensure the accuracy and integrity of the information you report. Your failure to do so is a direct violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C.
1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may f
urnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card

I RECEIVED A OFFER FROM UNITED AIRLINES TO GET A CREDIT CARD FROM CHASE BANK JP MORGAN, MY ACCOUNT WAS BLOCKED AND MY CARD WAS CANCELLED! MY PAYMENTS WERE CURRENT AND NEVER LATE! THEY LOOKED ALL THE INFORMATION OF MY ACCOUNT SO I HAD NO ACCESS WHAT SO EVER TO MY ACCOUNT DATA! I CALL THE BANK SEVERAL TIMES AND THEY KEEP ME SWITCHING FOR DEPARTMENT TO DEPARTMENT AND NO ONE UNLOCKED MY ACCOUNT! THEY ARE VERY RUDE TO A POINT THAT I FELT FINANCIALLY ABUSED BY THIS BANK!!! I AM XXXX XXXX XXXX AND NEVER GONE THROUGH SOMETHING LIKE THAT! THE FINANCIAL INSTITUTION IS CHASE BANK JP MORGAN.