23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested XXXX, XXXX and TransUnion to remove items from my credit report because I never provided permission for any information on my credit report. They have not provided documentation to confirm my approval to use any information. Instead of providing the consent I sent to them, TransUnion sent me a message stating I did not send the letter I provided. I have not heard from XXXX or XXXX as of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. 

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. 

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately. 

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

Office of Attorney General 1339 unverified/inaccurate account
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 15 USC 1681. 

XXXX  XXXX : # XXXX XXXX XXXX : # 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 t with 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 informationAny 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 or other personal consumer reports

The information they are reporting is incorrect and inaccurate.A real true debt validation is send all info being requested by the person being accused of owing debt Im requesting the History of the account.I want all my account statements Which will show the balance of the account I dont want an itemized statement.I want all my statements for history of the account.If you cant supply this delete the file from all XXXX credit reporting agencies. 
I want all the notes that is on the account .I want the original credit card agreement with Terms and conditions Why wasnt I given any pandemic relief.They didnt help me during the pandemic pay off the debt .They didnt offer any resolution or care act.All this will be brought up.If I choose to file a lawsuit.I will then request legal discovery and subpoena what Im askingIm willing to pay the {$400.00} to take this to federal court.They filed a case in District court i guest to intimidate me.Which should be a violationThis incorrect and inaccurate stuff on my credit is a violation of my civil rights and FCRA and FDPA. 

A federal lawsuit will be filed if this isnt investigated.If Im not given what Im requesting
Product: Debt collection

I asked this company to send me proof of verification and they sent me a copy of a lease that did not have my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is EOS CCA. I originally disputed an account for XXXX XXXX and it was removed from my credit correctly. EOS bought up the account in XXXX, XXXX. 

Ive never heard of them, Ive never received a phone call, Ive never received a letter, statement or anything from this company. My address was on mail forwarding so there is no way they couldnt have gotten a letter to me. I was never given the chance to dispute this before it was added to my credit in XX/XX/XXXX 

Ive attempted to call them but theyre either closed or never answer their phones.
Product: Credit card

I have a complaint about the American Express XXXX Credit Card. I received the card on XX/XX/2024, and was charged a fee of {$550.00} on XX/XX/XXXX. I applied for the card to take advantage of the free night stay at a XXXX property that comes with the card. However, the benefit arrived on XX/XX/2024. When I tried to use the free night award at the property where I wanted to stay, it was no longer available when the award arrived in my account. This was despite the available property when I applied for the credit card. 

Given that I could not use the free night award anymore, I requested American Express to cancel it and refund me the {$550.00} fee on XX/XX/XXXX. However, they informed me I was past the 30-day window to cancel the card ( XX/XX/XXXX ). They gave me two options : to either downgrade the card to their free option with a pro-rated credit for the {$550.00} or be stuck with the total {$550.00} amount. This is unfair and deceptive, as the benefit for the card arrived after the 30-day window to request a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$24000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CRA : Experian Address : XXXX XXXX XXXX XXXX, TX XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of { XX/XX/XXXX }, as listed on my most recently reviewed consumer report, several fraud/unauthorized are listed. 

As s reference, please see the below inquiries : XXXX XXXX XXXXXXXX XXXX  : Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX  : XXXX on XX/XX/XXXX. 
XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX  : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 

I am, because of this notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my report. Additionally, I have yet to permit Experian to provide consumers with this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately, my consumer and privacy rights are being violated. Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the inquiries mentioned above within 15 days of receiving this letter. 
You must report information accurately ; you are not doing that now. I look forward to Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful regarding my file, I will file a dispute against you in small claims court seeking remedy for said violations. 
Warm Regards, XXXX, XXXX XXXX Without prejudice, all-natural inalienable rights are reserved.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX  days. Enclosed are the pertinent documents for your thorough review and reference.
Product: Mortgage

I received an email on XXXX XXXX from Nationstar Mortgage informing me that my mortgage with XXXX XXXX XXXX had been transferred to them as of that date ( XXXX XXXX ). This was the XXXX correspondence I had received that even stated my loan was being transferred. At that time, I attempted to log into XXXX XXXX XXXX to see if I could get any documentation to download and was not able to see my loan information. In that email it also stated that my loan information would be available in the Nationstar system by XXXX XXXX. On XXXX XXXX, I received an email from Nationstar informing me that I could log into their system with my old loan number and see everything online in order to make a payment. I was unable to do so and have sent off several emails and contacted Nationstar because my mortgage is due on the XXXX. I am extremely stressed over this whole thing because I was given no notice, was not allowed to access my account on XXXX XXXX XXXX, and now am unable to register or log in with a new lender. In the last email, it was stated that I would receive my new loan number in the mail in a few weeks. This will then cause me to be late on my mortgage and I do not want it to be affected. This is a very nightmarish situation, and from my understanding, I should have at least been notified of the changes.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I deleted my old bank account from my cashapp account. I manually added my new account. 

I cashed out {$540.00} and when i checked it said My old bank name. I always cash out to my bank! 
I contacted Cashapp they told me the bank account i added was not supported so they sent it to my old debit card. 

I was never PROMPTED or giving the OPTION to choose where I want my money to cash out too. I was never told that the new bank account was not supported. 

THIS IS A BIG ISSUE! The " Cash Out '' process is MISLEADING AND CONFUSING!! 

I received a call XXXX from this number XXXX the XXXX person got smart with me and refused to give up her name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This fraudulent account she showing up on my credit report XXXX {$100.00}
Product: Mortgage

I have major concerns with the way that Veterans United has handled the servicing of my mortgage loan. I have been very transparent and forthcoming regarding my hardship and dealing with the illness and passing of my mother and was given a song and dance by their staff about how they were willing to work with me when I got back on my feet. Unfortunately when I got back on my feet and contacted their agents to try and work towards a resolution to get caught back up I was told that there are no options and that I needed to reinstate the entire past due amount. I did not believe this information was correct and when the VA contacted me about the past due payments they told me that the bank should be working with me and allowing me access to the government programs that are available to distressed borrowers with VA loans. This has not happened. My hardship is resolved and I have had a significant change in financial circumstances but Veterans United turns a blind eye and starts the foreclosure process against me. I believe that Veterans United is engaging in unethical servicing practices.

I have worked as a XXXX XXXX XXXX XXXX for 19 years and purchased my home with a VA loan in XXXX. Later that year I got very sick from XXXX and missed a month of work, and several months later same thing happened, XXXX  XXXX and a month out of work. When that hardship happened, the bank worked with me and offered me a one year forbearance as required by the government CARES act for VA loans. Once I was back on my feet and financially sound I was offered a modification that put the past due payments back into the balance of the loan and dropped the payment {$200.00}. I made the modified payment as agreed for several months. Then my mothers XXXXXXXX XXXX XXXX became dramatically worse, she was hospitalized multiple times for XXXX XXXX XXXX XXXXXXXX  XXXX etc. I was my Moms primary caregiver and had to miss a lot of time from work between late XX/XX/XXXX through XXXX when she passed away. It was a mess, my income dropped about 60 % during that time because I had to help take care of her, then put her in hospice and ended up having to help pay the funeral expenses and take time off to settle her affairs. I had contacted the bank during this process to let them know what was going on and explain why I had fallen behind on the payments. As I stated, their agents were initially supportive. I would check in probably once a month with updates on the situation and was told that they would work with me. When I was back on my feet in XXXX I contacted their agents to tell them I was back on my feet and ready to resume payments or be considered for loss mitigation options and was rudely told, sorry, there are no options other than bringing in XXXX XXXX as a down payment and if you cant make that payment this is going to lead to foreclosure.
Product: Debt collection

This final lease payment of XXXX was paid on XX/XX/2024. While Nissan has acknowledged that this amount paid is in full, I am greatly concerned that this companys erroneous attempt ( XXXX XXXX XXXX ) to collect an ( already ) paid debt has been reported to the credit bureaus and has caused severe damage to my credit standing. I am a little confused as to why Nissan sent my account to a collection agency? They have their car. They have their money. The account is paid. Did XXXX XXXX XXXX Free-Lance this action or is NMAC trying to do some double dipping?
Product: Debt collection

Collection Agency : XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Account XXXX PORTFOLIO RECOVERY ASSOCIATES account XXXX ( XXXX ) XXXX both Accounts listed above have 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX XXXX XXXX XXXX customer service representative XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

I 've disputed this information 5 times already with the XXXX and I 'm receiving letters stating that they will no longer investigate even though I am providing clear and detailed information on what I am disputing, reasons and inaccuracies. I 've even included the actual figures on the reports that are inaccurate and month and after month nothing changes! How is this even legal??? 
*Please see letter attached for account disputes *I 've included credit report for comparison of disputes vs. reported information
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email from XXXX stating I had an outstanding balance of {$2100.00} sold to the debt collection company, XXXXefferson Capital Systems LLC. The problem is I never authorized the creation of a XXXX account in my name and was never aware of the transactions taking place on that account, seeing as they were from XX/XX/XXXX and they were done without my authorization through the work of a third party email that used my name and other credentials to create a scamming account. When I realized this, I immediately contacted the debt collection agency and was directed to file this report.
Product: Money transfer, virtual currency, or money service

I would like my bank to commicated with XXXX XXXX
Product: Mortgage

CMG FINANCIAL keeps returning both electronic and postal mailed payments, then reporting delinquent.
Product: Debt collection

I was charged a lot of money my credit score went down and I had my identity stolen from me my email is on a dark website and I dont understand whats going on I need my life back
Product: Prepaid card

After filing my taxes I received return on a prepaid debit card with American Express serve and used it one time at an atm and my entire return was stolen from my account due to a card skimmer totaling {$1600.00}. I opened the dispute XXXX XXXX, 2016 and have been in contact with over XXXX XXXX and XXXX Supervisors that promised and assured me my tax refund back within two weeks BOTH times. As of today XXXX XXXX, 2016 I am now being told my card is now LOCKED AND I WILL NOT RECEIVE MY MONEY BACK! I have faxed them several documents including the affadavit of fraud, police report, news article and was hung up on and told several different things.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$920.00} from XXXX XXXX XXXX  XXXX and Equifax and XXXX continue to report negative fradulent information on my credit report. They are in violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a verification letter on a item furnished on my report that was unauthorized on XX/XX/XXXX requesting the item to be verified to me and did not get any response or n otice and it has now been over the 45 day period allowed by the FCRA Guidelines 15 USC 1681i so the item must be removed. Equifax has violated me under 15 USC 1681e by not fallowing proper procedures. Equifax has violated me under 15 USC 1681b because i did not instruct them to report on my behalf. Equifax has violated me under 15 USC 1681L by reporting items on my report that are not verified. Equifax has violated me under 15 USC 1681j by reporting false and misleading items on my report appearing it to seem i have relationships with said company or furnisher when in reality i am not participating in said relationships. Under! 5 USC 1681o Equifax is liable for damages and remedy. I will keep record of all paper work sent and responses received incase of the matter of which court shall be involved. i seek for the disputed item to be removed and Equifax is willingly harming my reputation and that is against the FCRA.
Product: Consumer Loan

In XXXX 2008 I purchased a car that was finance with Santander Consumer I was making monthly payments until my bank account was compromised and I fell behind in my payments. I notify Santander, it took the bank some time to replace my funds in my account. Santander stated they was going to place me in collections, when the bank did replace my funds, again I notify Santander and informed them I was ready to pay all payment in the rear. Santander stated if I pay the total balance they would not put any derogatory information on my credit report. I kept my promise and paid them of, f but Santander did not keep their promise. 
In XXXX of this year I found out they did report my account as a charge off. When I called them and reminded them of their promise they change their report to paid after charge offI would like for Santander to keep their promise and remove all derogatory information on my credit report. They have their money