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

I was checking my credit score on XXXX XXXX and I found a hard inquirie that I did not do or authorize. It was done by XXXX in XX/XX/2017. I was hoping to have it removed from my report.
Product: Debt collection

I found out that in 2018 a eviction record was placed on my name. 
While i never even lived at the addres XXXX XXXX XXXX. 
I called the property and they directed me to a different agency. 
Where i was told, that someone used my name to sign it. 
And used my personal information. Back then i was going through a divorce. 
so only one who ever had access to my personal information was my ex husband. 


Also now the problem is, for an address i never lived at. it causes now issues for me to get a new home. For something i not do, and was not aware off. 

The company in question is not very helpful. they say be more careful with your personal stuff, now you have to pay. 

I am not willing to pay for a fraudulent activity and have a falsely eviction on my name, due the fact someone used my personal information for personal gain. 
and i am now the victim. 


Company involved is XXXX XXXX IQData Inc. who i think is handeling this. 

Also called them, the guy i spoke to said. will make a note that it is fraudulent and file reports But sorry how does this help me get this of my records
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax announced that over 140 million of their customers had had their personal and financial information stolen. They released a site which allowed you to check if you were one of those affected by this breach. Upon checking my status, Equifax informed me that my data was most likely compromised. This is a massive security failure by a company who 's primary service is to maintain and secure extremely important private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan According to multiple Government reporting agencies, XXXX XXXX XXXX XXXX is NOT licensed to do business in my state of Michigan. Therefore they are doing business ILLEGALLY and therefore are not allowed to pursue me or any accounts in my name in my state. 

XXXX XXXX needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan
Product: Debt collection

I get notifications from XXXX when something happens on my credit report and I got a notification that I had a debt that was sent to collections and was already on my credit. I have never received a call or anything in the mail stating that anyone was trying to collect a debt from me. 

The debt is an {$84.00} dollar bill from XXXX XXXX and XXXX ( XXXX XXXX XXXX ) for a rental property that I own. I do not live there, I have tenants there, so I should not have been receiving a bill anyway. But, once I saw it come onto my credit, I called XXXX XXXX XXXX immediately and paid it ( XX/XX/2019 ). I spoke with XXXX & XXXX about the fact that I was not contacted and they referred me to the debt collections company, National Recovery Agency. I spoke to a person at the National Recovery Agency ( XX/XX/2019 ) and they said they can not close the account out until they have notification from XXXX XXXX XXXX, I called XXXX XXXX XXXX back and they were processing the information and would have it sent to National Recovery Agency. At the same time, I had asked the agent at National Recovery Agency why I was not contacted by phone or voicemail or through a letter in the mail. She said they had called me but they did not leave a voicemail because they said they are not allowed to leave voicemails if my name is not on my voicemail, my full name is on my voicemail so that can not be true ( XX/XX/2019 ). 

I am in the process of getting a loan for a house and this has took my credit score down by 60 points, and obviously that makes a huge difference in what kind of interest rate I can be approved for. My lender asked me if I could contact National Recovery Agency and have them put into writing that they would be closing the account out as soon as they received notification that the account was paid from XXXX XXXX XXXX, they said they can not do that so I asked to speak to a supervisor ( XX/XX/2019 ). The supervisor that I spoke to is named XXXX XXXX - she would not give me her employee number but she gave me her extension number : XXXX and the phone number is : XXXX. While speaking to XXXX XXXX, the supervisor, I asked why I was not contacted and why no one left me a voicemail when my full name was on my voicemail, she could not answer that. We then spoke about why this bill was put onto my credit without me even being contacted first. Ms. XXXX stated that they have 5 days after initial contact to send the debt information in the mail. She is saying that the initial contact was XX/XX/2019, when I contacted them. So from that point, XX/XX/2019, they have 5 days to send the information in the mail. I understand that, my question is if they are claiming that XX/XX/2019 was the initial contact then why was this debt already sent to my credit report? If they had never had contact with me then I was never given the chance to rectify or dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX keep disregarding the law. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Over the past year, I've sent letters to Transunion, XXXX and XXXX repeatedly and they show complete disregard for the law. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 



The credit bureaus show no respect for the laws. 

They need to be held accountable. 

Additionally, according to 15 USC 6802c, I was never given clear explanation of how I can exercise nondisclosure option. I told told the bureaus this and they have not removed ALL of the accounts requested.
Product: Mortgage

My mortgage loan was recently assigned to PHH Mortgage and they charge a fee of {$7.00} to process a mortgage payment on line through the website.
Product: Credit card

I have a Citi card with a 0 % balance due to a balance transfer. On XX/XX/year> I used this card because of a merchant offer by this company. It was used at XXXX XXXX XXXX XXXX in the amount of {$22.00}. My billing cycle ended on XXXX for this particular purchase. This new billing cycle showed an interest fee of XXXX but there was no outstanding balance in the previous cycle for there to be a fee. In contacting customer service they explained that if an outstanding balance was not paid in full by the due date a fee would ensue. I understand that but there was no balance that carried over that wasnt part of the interest fee transfer. There should not have been a fee. They continues to reiterate this but still didnt see how there was no balance that carried over but in fact a new balance in the new cycle that if not paid in full by XXXX the new due date would incur a fee. I completely understand that but the fee was charged ahead of time. I didnt get any understanding from the XXXX different agents I communicated with. 

So to summarize my statement balance for my XXXX bill was only interest free. XXXX XX/XX/XXXX. 
New bill due XX/XX/XXXX shows not only the charge I did use but a fee for said charge before it actually was meant to be charged a fee.
Product: Debt collection

XXXX ( via XXXX XXXX XXXX ) was sued in a class action lawsuit, that was settled in XX/XX/2020. Part of the settlement was a guarantee to remove negative credit reports from former customer 's. XXXX XXXX XXXX has yet to do so, and has subsequently sold said " bad debt, '' to a collection agency ( Complete Credit Solutions ) , which is inaccurately being referenced on my credit report. This debt should be removed, as I have never borrowed, nor received funds from Complete Credit Solutions, and they do not have a valid signed contract with me directly.
Product: Mortgage

I was offered a Covid 19 forbearance on my mortgage payments for 6 months. They informed me that the 6 months of payments would be attached to the end of my loan. They stated that at the end of the 6 months I would receive documents in the mail to sign and have notarized. When the end of the 6 months approached I called them to make sure everything was in order. They assured me that everything was fine and that they would be mailing the documents shortly. After a week I called them again as I had not received the documents. They informed me that they were behind and not to worry, they would get them out as soon as they could. I was also told not to resume any mortgage payments. After a couple of more weeks passed I called them again. They informed me that the documents were sent out weeks ago. I informed them that they never arrived. I was told that they were having problems with the USPS not delivering documents. They told me that they would resend the documents and email them to me to be assured that I would receive them. A couple more weeks go by and I call them again. This time I'm informed that the documents were never sent or emailed to me as they weren't ready. At this time they also inform me that adding the 6 months to the end of the mortgage is not an option. I either have to make a balloon payment at the end of the loan or accept a new 40 year mortgage. I informed them that this is not what I was told. They also informed me not to make mortgage payments as it would throw off their math. I asked to speak to a supervisor. They informed me that it's not possible to speak to a supervisor. I went ahead and resumed making mortgage payments. I want all forbearance actions ended immediately so that I can refinance with a different lender as I've had enough of the fraudulent actions taken by the lender. 
It's an 855 phone number so every time I call I get a different person. I've actually spoken to people in different countries.
Product: Debt collection

Collector called saying they were from Oxford Law Firm 2x in a row.. We filed bankruptcy in 2012. They were collecting a debt from XXXX XXXX for {$4000.00} some dollars. After my husband spoke and said a few choice words - I asked him to excuse himself from phone. I then proceeded to tell the person I was pretty sure he was n't suppose to be calling me because we filed bankruptcy and a letter was sent to XXXX XXXX. He then got smart and said what is the number then. I proceeded to ask him who he was and why he was calling. He then said the debt was from XXXX XXXX XXXX and after asking a couple times that his name was XXXX XXXX and he was a legal assistant at Oxford Law Firm with a number of XXXX ext XXXX and gave me the address of XXXX XXXX XXXX XXXX PA XXXX. I gave him the name of the attorney for the bankruptcy and told him I was pretty sure he was n't suppose to be calling. That XXXX XXXX XXXX or Oxford Law Firm should have checked the account before they started collection procedures.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I discovered that a credit card had been opened in XXXX of 2017 using my information. I did not apply or receive any card. 
Aside from the above issue, my credit report has a negative issue concerning this fraudulent card. There is no outstanding debt on it ; There is a {$250.00} limit, none of which has been used. Despite this, a negative mark is on my credit report.
Product: Debt collection

The company, transworld solutions, is writing fruadulent checks on my behalf using my signature by which I have not authorized. This is the second time they attempted to process the same check after I had a conversation with them on Monday and they affirmed they will not attempt to bill the account in any way, shape or form until the designee or department on behalf of the company that responds to CFPB inquiries contacts me. 

Yet today, they attempted to process the same check that I did not write which bounced the first time. 

This company will be reported to the FBI to incriminate the representative ( s ) who attempted to bill the account twice by writing a fraudulent check, even after a representative affirmed this would not take place again. This is fraud, period. I will be pursuing criminal charges and will report this issue to local law enforcement as well using forms designated by my financial institution. 

Furthermore, I will immediately pursue this with the XXXX and XXXX XXXX XXXX and federal administration divisions in the federal government in an attempt for the XXXX and XXXX XXXX XXXX to cancel their federal contract they have with TSI. 

Additionally, I will submit to federal court a petition for a lawsuit against transworld. I am legitimately in a financial crisis and the only income I receive is from being permanently and totally XXXX. The money they are attempting to take will literally have left us without food and electricity for 30 days with minor children who have medical needs. I am even in the process of attempting to get help to pay my electric bills through a community program and have this very well documented. 

Transworld has completely ignored my concerns and they will attempt to continue to bill by personal checking account with fraudulent checks. Other avenues must be pursued.
Product: Mortgage

I am a home owner in North Carolina and my rights to privacy have been broken by RoundPoint Mortgage service. They called my place of employment and gave out my mortgage payment information to my co-worker which is a direct violation of the law. They have also been reporting to the credit bureaus inaccurately that I am behind on which I never have been. I have sent them documentation to prove then wrong and they refuse to make the correct changes to my report. I have never in 15 years of owning a home been late on my mortgage and now that I have been dealing with RoundPoint Mortgage the past year, they have gravely embarrassed me by giving out my private information and continue to report to all XXXX credit bureaus inaccurately. I have tried countless times to speak with management their but they refuse to contact me back. Only until XX/XX/2016 I contacted XXXX who owns the rights to my mortgage did they finally say they would handle the situation. I do not believe they will.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to EQUIFAX for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are still reporting on my credit report and no further actions have been taken. For the account of XXXX XXXX, I paid before the due dates last XX/XX/XXXX and XX/XX/XXXX and I know for sure that I paid on time, please provide the proof of payment that I were lates and the amount you received. For the account of this account is now XXXX XXXX being handled by the XXXX XXXX XXXX XXXX With that being said, I am not liable for any payments on this account or to any double payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted LexisNexis several times on the validation of the bankruptcy on my report & file. I explained to them how they needed to verify the items that was on my report. They replied that they verified my bankruptcy which is false.I asked them to verify how you got you information and you didnt respond with documents. I asked for you to send please me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately, and you guys failed to give SOLID PROOF. LexisNexis uses a database called XXXX to fish out negative info on consumers and you then sell it to the other consumer reporting agencies. Thats violation 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy & congress makes it clear that a consumer has a right to privacy. LexisNexis going out and fishing for negative information about me is an infringement upon a consumers right to privacy pursuant to 15 U.S.C 1681 ( a ) ( 4 ). The second one- 15 U.S.C 1681b ( a ) ( 2 ), LexisNexis did not have a Permissible purpose nor did they have your written instruction. LexisNexis stated that they contacted XXXX, which means they had the information prior to contacting them ; and did not get the information from them. XXXX bankruptcy courts states if someone calls the courts for CONFIRMATION... 

Three Violations 1 : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

2 : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

3 : 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
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 timely 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Date. XX/XX/2021 Complaint against the Capital One Bank. 

I am a XXXX XXXXXXXX at XXXX XXXX XXXX XXXX XXXX NJ XXXX. I have applied to XXXX for scholarship and for some reason my information was leaked out to scammers. They send me a check of {$3600.00} with a letter that I have been approved for the apprenticeship in the XXXX and will work from home. They also advised to deposit the check and then make some payments to the people on behalf of the XXXX when the money is available in the bank. 

I deposited the check on XX/XX/2021 and on XX/XX/XXXX when I check with the bank the money was available in the account. So, following on their instruction I made 2 payments in the amount of {$500.00} and {$2000.00}, to the people they emailed me. 5 days later on XX/XX/XXXX, I came to know that the check is not cashed and returned to the bank. 
I am banking with capital one for the last 6 years and being a XXXX I do not have any overdraft protection and neither have credit. My father opened this account for me, and he strictly advised to the bank not to pay overdraft or no payments at all if there is no available balance. 

I called the bank and find out that the check was from a scammer, and they paid the money as customer courtesy. I called the bank many times that I am not wholly responsible for the loss as I did not have overdraft protection and if the money was not available then why they pay out for the transfer. why was the balance shown available when there was no actual availability of the funds. 
Before that check my balance was around {$700.00} and I lost that money as well. I lost this money because of the bank negligence. If the money was not 100 % available, they should not make the payment. I asked the bank to provide the details for the people who got the payment from the bank so I could report that to the authorities, but I am not getting any information from the bank about those scammers. 

Kindly help me out as I am a XXXX and unable to afford this loss. 
Documents attached for reference. Please find attached documents for reference. 

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

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX,