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

I received a call from a student loan company about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. XXXX XXXX, DEPT OF ED/XXXX, DPT EDXXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA XXXX XXXX XXXX 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 Please delete these items from my accounts as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting that Experian reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. The 3 credit bureaus must validate these accounts in line with the FCRA 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  XXXX Late Date XX/XX/XXXX XXXX XXXX  XXXX Late Date XXXX XXXX XXXXXXXX Late Dates XX/XX/XXXX XXXX XXXXXXXX Late Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX .... Late Dates XXXX
Product: Mortgage

My previous compliant, # XXXX, submitted on XX/XX/22 was not addressed by Northwest Bank XXXX XXXX XXXX did not address my compliant. She referred to a previous compliant, stated they reviewed previous documentation provided by myself and that I did not submit a new issue. Everything I submitted XX/XX/22 pertaining to advances being taken on my parents equity loan that they did not take, is not the same documents I previously submitted to Northwest about the fraud. XXXX XXXX attached copies of advances that are not the ones I submitted the compliant about. I am not disputing the copies she provided, its the dates that I provided in my previous compliant # XXXX that I am stating were not taken by my parents. I've including in this compliant the procedures Northwest provided as to the different ways to request/take out an advance, which none of those occurred with how the advances in my compliant, showing my parents did not take those specific advances when they were in Florida. They did not drive back to Ohio in a day to personally walk out of the bank with cash of those amounts that I am disputing was not taken by my parents.
Product: Checking or savings account

I called my bank, Bank of America to file a claim of fraud Once again they denied my claim I lost {$1000.00} and this is very unfair that a bank will not give the customer money back that was stolen from them
Product: Mortgage

Initially when Midland Mortgage took over my account during Covid they attempted to add XXXX plus funds to what was owed. I wrote the company and stated they can not do this ; remove those funds as this is not accurate I then supplied my last statement from XXXX. They complied. A few months passed and Midland Mortgage again attempted to add the XXXX plus funds back to my account. I again emailed them and told them to remove this erroneous amount. They complied. 

Fast forward to when I received the funding from the Gov't for the Covid arrearages. The way Midland Mortgage applied the funding vs what they say I now owe does not seem correct. I am not completely convince this process was done accurately and within the Gov't guidelines on how to process the funding. I requested an audit. 

The beginning of 2023 I received a letter stating my Escrow was short {$240.00} plus change. The letter stated I could pay this amount before the end of XX/XX/2023 to reduce the now new payment amount effective XX/XX/2023. With my XX/XX/2023 statement I submitted {$50.00} towards XXXX in the area designated for XXXX. I was going to pay the remaining {$200.00} before the end of XXXX. When I logged on to do this I saw my {$240.00} amount did not change. I emailed Midland Mortgage and asked where the {$50.00} dollar payment is? They called me. I did not answer as I often request they answer me in writing yet they refuse to do this. Evidence who knows?! Nevertheless I again emailed Midland Mortgage and requested they NOT call me but provide and answer to me in writing as to where the {$50.00} dollars is and why it was not applied to the arrearages? Again a phone call. I do NOT want a phone call I want something in writing. This surely does not seem like an outrageous request. 
Last week I received a letter in the mail telling me they tried to call me. I am pretty sure it would have taken less time and money to simply respond to my email by answering the simple question. A question a five year old could understand. With this said I still want to know where the funding went. Additionally I would like a third part, not related to Midland Mortgage, to audit my account for accuracy.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX ( ACCOUNT NUMBER : XXXX ), shows a XXXX late payment in XX/XX/year>. This account falls under the FCRA 's permissible purpose rules, and I did not give permission or authorize Equifax to report it, which constitutes a violation of these rules. I have never been late on any payments, and reporting this account as late violates 15 U.S.C.1666b ( a ). Furthermore, failing to ensure maximum accuracy in reporting breaches 15 U.S.C. 1681e ( b ). If this issue is not corrected, it will be treated as willful non-compliance under 15 U.S.C. 1681n, which allows me to seek up to {$1000.00} in damages per violation, along with compensation for any other harm caused. I demand the immediate correction of this false late payment. Please address this issue without delay.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Trying to collect on a debt I did not initiate.
Product: Debt collection

A collection was put on my account by Caine and Weiner. I never ever received any notices, or phone calls from them regarding this debt. I was never ever given the opportunity to dispute the debt, and this was put on my credit report without my rights to dispute.
Product: Mortgage

Nationstar Mortgage states that we need to pay them again for the month of XXXX, 2016. However, we are having our bank bring us copies of all the checks we submitted to Nationstar, but were lost. On XXXX XXXX, 2016 we made a cashier 's check from XXXX XXXX XXXX XXXX XXXX in the amount of {$970.00} to Nationstar Mortgage. In XXXX we mailed a check for {$970.00}, check number XXXX, from XXXX XXXX Bank, to Nationstar Mortgage. We also mailed a check on XXXX XXXX, 2016 in the amount of {$970.00}. On XXXX XXXX of 2016 we mailed Nationstar Mortgage XXXX checks ; XXXX for {$1000.00}, for the month of XXXX, 2016. XXXX for {$1000.00} for the month of XXXX, 2016. Also, we mailed a check in the amount of {$970.00} for the month of XXXX, 2016. We believe we do not owe Nationstar Mortgage any mortgage payment until XXXX of 2016. Our bank is working on getting copies of the checks cashed by Nationstar, but supposedly they lost.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account listed below has violated my federally protected consumer rights to privacy and confidentiality under the FCRA. 

Creditor : Toyota Motor Credit Account Number XXXX XXXX Amount Owed {$1300.00} This account is being reported inaccurately and has violated my rights according to the following laws : 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. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer reporting agency may make 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 ) States : 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. 1692e States : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

More than once I asked Experian to verify to me how they obtained the Bankruptcy information on my Credit Report when I asked them for their Method of Verification. Instead, Experian indicated to me that the Outcome Remains, by stating to me that the company that reported the information has certified to Experian that the information is accurate. Experian was able to tell me that the company certified the Bankruptcy as accurate on my Credit Report, but they also certified that they do not really know what company gave them the information, by saying that they MAY have obtained the Bankruptcy information through a third-party vendor, XXXX XXXX XXXX XXXX XXXX. 
How can this Bankruptcy information be certified as accurate when you do not know where you actually obtained it from? When you say MAY HAVE, that indicates uncertainty, also Experian said that the information came from the Courts, I asked the Courts in a letter if they give out Bankruptcy information to third-parties, such as Credit Bureaus, XXXX etc. and the U.S. Bankruptcy Court sent me a letter back stating that they DO NOT PROVIDE INFORMATION TO ANY CREDIT REPORTING ANGENCY. All documentation has been uploaded and attached to this complaint for proof and verifying. 
The FCRA under Federal and State Law says, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The FCRA requires the Credit Reporting Agencies to follow reasonable procedure to assure maximum possible accuracy of the information they report to a consumers Credit Report. Since Experian do not know where they obtained the Bankruptcy information and the Courts have confirmed that they do not provide Bankruptcy information to any third parties, such as Credit Reporting Agencies, this Bankruptcy is inaccurate and unverifiable and must be deleted!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX account 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 written instructions.
Product: Credit card or prepaid card

I filed a previous complaint on company Sychrony Bank ( Paypal ) credit card on XXXX complaint ID XXXX XXXX. Company was not truthful about their actions taken. They claimed in their response that they attempted to call and email me to speak to me about this matter. I have no missed calls nor have I received any email from them pertaining to this issue. The company has closed this claim under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions XXXX, equifax, XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA. ) Specifically, Cash App failed to take time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA. ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on my credit reports that I owe money to XXXX XXXX, {$250.00}. I have never received a phone call nor a letter from either the collector or XXXX The collector told me the loan was taken out XX/XX/XXXX at XXXX # XXXX. I called XXXX corporate office and spoke with XXXX and she said there is no loan, nor has there ever been a loan taken out from me from any store. I applied, but did not receive the loan. I was denied a loan. In XXXX I was living in XXXX XXXX, SD. Store XXXX is in XXXX XXXX, XXXX. I haven't been to XXXX XXXX, SD in literally decades. The biggest part of this is that XXXX  confirmed that due to the law changing surrounding the interest rates being capped in South Dakota, XXXX stopped doing business in XXXX XXXX as a whole in XXXX. If they stopped doing business in South Dakota in XXXX, how could I have taken out a loan from a XXXX XXXX store in XXXX? The collector also told me that XXXX  wouldn't be able to find me in their system without an account number, which they never even gave to me. When I spoke with XXXX at XXXX, she said that's a boldface lie and that they keep records for up to 15 years. Another interesting fact is that the collection company also said they took over another loan from XXXX  in the amount of {$750.00} ( or so ) and I have since been able to remove that from my credit report by myself. Now this one popped up. I am so angry and trying to clean up my credit and they keep putting things on my credit reports!
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX Balance Owed : {$230.00} XXXX  XXXX Balance Owed : {$2800.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$6600.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I was incarcerated in XX/XX/XXXX and sentenced to 120 months in federal prison. I was released XX/XX/XXXX i discovered someone was using my identity to open fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a military member stationed overseas ( XXXX ). Prior to moving, I was the victim of identity theft. I activated an XXXX XXXX Credit freeze on all three reporting agencies. Now that I am living overseas, I am trying to open a new line of credit and need either a temporary unfreeze or pin to allow the company access to my report by Experian. I have now been trying for two months to get access to my Experian account. I can not log in despite answering the authentication questions correctly. Their phone system does not allow contact with another human and directs you back to their website which does not work. After many hours of calling internationally, I was finally able to reach a human and was told overseas addresses are blocked from their system and there is no way for me to access my information while living overseas. I can not find a way to email or access anyone at Experian that can help. I am effectively blocked from accessing my information while stationed overseas.
Product: Credit reporting or other personal consumer reports

After trying to contact by mail, email, and phone. The Credit reporting company of Transunion has continued to change my email address back to the identity theif 's email address, XXXX. This is not my email address. I have told the credit reporting company more than 3 or 4 times that I do not have access to this email address, and have not had access to this email address at any time. I have sent the credit reporting company copies of my drivers license, copies of my bank statements with my current mailing address, I have sent them copies of utilities bills with my mailing address. The company is refusing to update my email and my mailing address, and they have sent out my credit report to strangers including someone who is accessing my old email address and using it to not only stalk me, but has picked up my minor child and placed them inside their vehicle for collections. I have notified the Transunion company of my concerns and told them not to ever change the email address back to XXXX, however, the company did not consider my request not to change it back to the old email address seriously and there have been more credit reports sent out. My child has been put in the back of a vehicle with XXXX people for collections. 

My current email is the same as the email for this complaint, and has been the same as the CFPB complaints listed here for several years. The notice was sent to Transunion in XXXX, it may have been as early as XXXX. 

The problems have cost me more than {$150000.00} and counting.
Product: Credit card or prepaid card

In XXXX of 2022, American Express offered me the option to upgrade my American Express XXXX XXXX to an American Express XXXX XXXX XXXX. The promotion for this upgrade was an award of XXXX Membership Reward Points after spending at least {$2000.00} in 4 months. I met all of the qualifications, and therefore I earned and was awarded the XXXX points on XX/XX/2022. 

I applied for the American Express XXXX XXXX XXXX XXXX and was approved for it on XX/XX/2022. The bonus of XXXX Membership Rewards points required me to spend {$3000.00} in the first XXXX months. I made XXXX eligible charges on the card on the first day I had the virtual card number that totaled to just over that amount, and American Express awarded me XXXX points on XX/XX/2022. 

Today ( XX/XX/2022 ) I tried to transfer the XXXX points I earned from these XXXX cards to XXXX XXXX for a trip my husband and I are taking in XXXX. However, American Express is now holding my points XXXX and are saying they need to review my account. They told me this could take XXXX weeks, which will cause me to lose a lot of money and have to cancel my trip. I would appreciate it if they could release these legitimately earned points for me and my husband to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # DEPT OF EDUCATION/XXXX  account number XXXX DEPT OF EDUCATION/XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX  XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX  account number XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXX 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 Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on 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 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.