23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I paid for a service and it wasnt taken out my account until the next week and charged me an overdraft fee
Product: Credit reporting or other personal consumer reports

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 an 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: Payday loan

Already paid XXXX already on a XXXX dollar loan to Northern Plains Funding loan approval was all done over the phone did n't have a chance to review paperwork for loan and interest rates. Balance of loan fluctuates and was told if I want out of loan would have to pay XXXX. They said I am paying finance charges with a small principle on loan that 's why I owe so much and hung up the phone.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time contacting you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Please delete ALL other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX is NOT my address. XXXX XXXX XXXX XXXX XXXX XXXX is NOT my address. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

Please also remove all employer names from my report. I do not know why XXXX  XXXX XXXX is listed as my employer because I never worked at this place. This information is incorrect so please REMOVE all employer information immediately. I attached my id, SSC and valid proof of address to this letter.
Product: Credit reporting or other personal consumer reports

I am a concerned consumer after looking at my credit report. I see many alarming mistakes with how you are reporting information about me.
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 investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXX Balance : {$590.00}, XXXX XXXX Balance : {$980.00}, XXXX XXXXXXXX Balance : {$2200.00}, XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00} "
Product: Credit reporting, credit repair services, or other personal consumer reports

The lender must send a notice that the property was sold must give the date, time, and location of the sale. A defiency letter i never received please provide date in time stamped of items being mailed Request a 1099-c or 1099-a .I never received proper notices show proof mailed sent in received.
Product: Checking or savings account

Since XXXX I was and still customer of Wells Fargo and from the year of XXXX to XXXX up to currently I was and still charged with incorrectly over draft fees with each time the amount of {$35.00} even though I was canceled this fees to be charged I went to Wells Fargo branch and I was making payment for XXXX XXXX for my car auto loan which is every month is {$370.00} and it was charged high interest fees because of delays from Wells Fargo.
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 and list of Inquiries.

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: Debt collection

I have received 3 email communications from Nelson, Cruz & Associates. I have consistently informed them that I am retired and my income is from Social Security and, therefore, am judgment proof. Supposedly, the original creditor is XXXX XXXX XXXX, an outfit I have never heard of. There has been no attempt by Nelson, Cruz to provide with original debt validation documents. 

I believe this matter is an attempt to pry out my personal information. For example, the address used on their document to me ( a demand letter ) is made out to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IA XXXX. First, when I intend to be bound to a contract I sign as XXXX XXXX XXXX, not simply my first and last name. As to the address, it is incorrect. I have not lived at XXXX XXXX for almost 3 years. 

After I put Nelson, Cruz on notice that I am retired and Social Security is my income, that should have ended this matter. It continues. Approximately, 14 days apart for each of the three communications I have received through email with a PDF document of which I provide all three PDF 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX XXXXXXXX XXXX has violated my rights. 

15 USC 1681 Section 602 State i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 late for any purpose.
Product: Credit reporting or other personal consumer reports

This is a pattern Experian closes complaints either early in the morning or after XXXX and once closed the latest complaints with absurd explanations that have nothing to do with the FACT THAT EXPERIAN WIPED OUT GOING ON 2 YEARS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX AND REFUSE TO GIVE THEM BACK UNLESS I PAY AND IT CLEARLY STATES ON MY EXPERIAN ACCOUNT THAT MY SCORES ARE OUT OF DATE BUT IF PAY PAY THEM THE EXTORTION MONEY THEY WILL UPDATE MY SCORE, AS LAST COMPLAINT THIS ONE WILL BE FORWARDED TO THE DEPARTMENT OF JUSTICE
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 - I received notification that my credit report had been pulled and someone tried to apply for an XXXX loan in my name. 
XX/XX/2020 - I tried to call Equifax and their automated system requested I verify information which was not on my credit report. The system indicated it could not verify my identify. I was told I had to send in photocopies of my drivers license and social security, which I did. These were mailed on XX/XX/2020. 
XX/XX/2020 - I called and spoke to a representative. The representative was going to place a freeze on my credit report, but I needed it to not be frozen right away, so I asked what I needed to do to get a freeze in the future. They said to call back and request it. They also said I could not use the XXXX web site as it was locked out permanently. 
XX/XX/2020 - I called back today and the automated site locked me out and I was told, again, to send in documents. I told XXXX, XXXX, that I had already sent in the documents and she said she could not place a freeze on my report. I asked if she had record that I called in the previous Friday and was verified by an agent. XXXX would not verify this info. 

The automated system at Equifax asks me questions and gives answers for those questions for loans and credit which is not on my credit report. I received a copy of my credit report in the mail from Equifax and the questions about accounts asked do not match any accounts on my credit report. 

I call, Equifax asks questions to verify my identity which can not be answered ( answering " None of the above '' does not work, either ) and they lock my account until I send in documentation. I send in documentation and they allow me to call in again but I again get locked out by the automated system and am requested to send in documentation. 

This is resulting in my credit report not being frozen when I have a documented fraudulent application filed in my name with the XXXX XXXX XXXX. It appears the person applying has details from my credit report meaning it was likely obtained from Equifax, since they are the only credit reporting agency whcih had a data breach.
Product: Mortgage

Since XXXX of XXXX I made Rushmore XXXX, my loan servicer, aware that I wanted to end my forbearance from XXXX and begin making payments again. I filled out an application to start the remodification process. I was asked to send documents to verify income. I sent all documents asked for. Since XXXX of 2021 I have now filled out the application 3 times and sent new updated documents countless times. Rushmore NEVER would call me. I had to write a letter asking them to call me for updates. To date, I STILL HAVE NOT RECEIVED A CALL FROM RUSHMORE XXXX on any updates even after requesting them to call me IN WRITING. I was asked COUNTLESS times by Rushmore to send documents that I already sent them. I would call them periodically and they would tell me they still need a document before it could go to the loan officer. I would tell them I already sent it and they would look and see that I did. Due to a 30 day time limit they put on the application, they could then ask for new updated application with new documents to start the process all over again. I would comply in sending them within hours of the conversation. The last time I spoke with Rushmore, they PROMISED me that this time the documents they requested would make my packet complete so they could send it to the loan officer. They have told me this XXXX times! I always would send them the requested documents within hours of the conversation. Today I received a foreclosure notice saying I had 21 days to reply or lose my home. The tactics of asking for the same documents over and over, which causes time to lapse so they can ask for them again and again and then start a new application process has caused the foreclosure to start. The worst part is I have shown Rushmore that I can more than afford the monthly payment yet they keep stalling by asking for documents I have already sent them! I believe this to be predatory business practices! I remodified a different house loan only XXXX XXXX XXXX and the company XXXX XXXX, completed and approved me within 30 days! I even sent Rushmore the copy of my remodified loan!
Product: Money transfer, virtual currency, or money service

I noticed a lot of activity on my XXXX account and then I was defrauded through Cashapp. On XX/XX/XXXX, someone gained access to my phone and computer and sent someone named XXXX XXXX XXXX cashapp payments in the sum Of {$860.00} and {$720.00}. I immediately reported the transactions to Cashapp and my bank, XXXX XXXX. I also filed an identity theft claim. Attached. Cashapp refused to refund my money and then submitted fraudulent documents to my bank stating that I had prior transactions with this person which is absolutely false. Cashapp claims that I had sent money to this person on XX/XX/XXXX  and XX/XX/. I have evidence showing this to be false. Also attached. 

Cashapp is a haven for scammers because of the protection Cashapp grants to these individuals. Cashapp itself is a fraudulent company because of the lengths it will go to including falsifying documents.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX NAVY FEDERAL CR UNION 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
Product: Debt collection

ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavits Attached XXXX XXXX v. Experian Information Solutions, the judge through that case ruled that the court can not just rely on computer generated documentation, instead the court has to do an investigation. Upon contacting XXXX XXXX, Experian, and XXXX, and XXXX  in reference to an unverified bankruptcy reporting on my credit reports that they maintain under my social security, noting that XXXX XXXX had an inaccurate social security number reporting. 

Looking into my XXXX report, on it's website ( XXXX XXXX XXXX ) it listed XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX ( XXXX XXXX '' ) as a provider of the bankruptcy information to XXXX. FCRA Section 611 ( a ) ( 2 ) requires XXXX and XXXX XXXX to ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX and XXXX report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$520.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$570.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$330.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX + {$520.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX I Reported : XXXX. XXXX, XXXX {$0.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$570.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$330.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention
Product: Credit card

I 'm being reported for having a credit card with target. My wife has the card and we are separated. I do n't use the card because I live in XXXX Georgia and she lives in XXXX Georgia. I do n't have a target card and every time i check my credit report, because she 's use the card it 's damaging my credit. I would like it removed please
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year> Bank of America made inquiries on my XXXX credit report without my knowledge, request nor authorization. 

I do not know who authorized them to do this, or why they would do this as no contact was made to me by Bank of America on the dates of ( nor prior to ) the inquiries being done. 

I am concerned that someone may have gotten my personal information from one of the XXXX, XXXX or XXXX data breaches, or from any of the other data breaches my information has been leaked in including but not limited to XXXX, XXXX and XXXX data breaches that occurred over the last XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX XXXXXXXX Account # XXXX, XXXX Funding Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I did not authorize this account to be open with XXXX wireless neither do I have knowledge of it its fraudulent account thats need to be removed
Product: Credit reporting or other personal consumer reports

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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX  XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any Items 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. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$24.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance Owed : {$310.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 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 XXXX  XX/XX/XXXX ; 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 XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX 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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX 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  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.