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

I have XXXX XXXX that I monitor regularly and noticed that XXXX XXXX  from XXXX is on my credit report which I never used or have a XXXX account. Dates go back on this account from XXXX. I got married in XXXX with my husband and we bought a house together in XXXX. I also received a letter in the mail from Credit Corp Solutions collection agency from Utah, demanding payment for {$1200.00} and that is dated XX/XX/XXXX. I called the number on the letter ( XXXX ) XXXX, and spoke with a representative stated that I don't have a XXXX account. I then told them the address that they had on file was XXXX XXXX XXXX in XXXX, which I lived there 20 years ago with ex-boyfriend. The collection agency sent me a large packet of paperwork with detailing the charges to my address with my maiden name. Every charge in the packet is detailed in the name " XXXX '' and multiple similar charges repeat over several dates, which I don't recognize. In this packet, they demand me to complete, notarize and return to them. They have my current address, social security number and date of birth. I filed a police report with XXXX police department and also spoke to the fraud department at the bank about this situation. Bank told me there is no money coming out of my account and debit card is fine, bank told me that they are fishing for someone to pay this bill. There is an investigation on this case and here is the police report number : XXXX. I was at work on XX/XX/XXXX and I got a call at XXXX XXXX, from an anonymous number, which I didn't answer, who did leave a message, which was Credit Corp Solutions calling me about returning the pack. I called them back to tell them to stop calling me on my work phone and I'm not returning the packet with my signature on paperwork. 

Thank you for reading what I had to say. I hope this helps everybody who is having the same issue as I am.
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, Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A States l have the right to privacy 115 U.S.C 1681 Section 604 A Section 2 : lt also states a consumer reporting agency can not furnish a account without my writlen instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repont containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the repont 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 agoncy if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX ( Orig Credi : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Orig Cred : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX ( Orig Credi : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the rights 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

For more than 5 months I am trying to fix the errors about some debts that appear in my name. I call the accounts and no one gives me information. I also made several disputes with the credit bureaus and none have been answered. there are XXXX accounts with different amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is erroneously reporting to the three major reporting agencies - XXXX, XXXX, and Equifax  that in XX/XX/2021 payment was late 30 days. No payment was given 30 days late to XXXX XXXX XXXX and the account is current. All documentation of account statements and billing statements show the account is current with payment history identifying all payments have been provided on time. A representative over a phone call also admitted to this. XXXX XXXX XXXX have failed to rectify this matter. Numerous phone calls have been placed with no success.
Product: Mortgage

US Bank has refused to release insurance provided funds for required home repair in the amount of {$130000.00} and additionally incurred costs of {$65000.00} through todays date of XX/XX/2024. Criteria for releasing these funds changes with every call and is vague. The delays are preventing the repairs from being completed and the homeowner returning home.

- US Bank refuses to put in writing the criteria required to release funds.

- US bank has been asked to send a copy of the Escrow Agreement and will not. Claims division refers the issue to escrow/mortgage, mortgage refers the claim to claims division.

- US Bank refuses to provide a name/email/phone number to resolve this matter out of court. and will not provide a clear communication channel. The claim portal was closed. Any new documents must be faxed by the homeowner but the US Bank has changed the fax number 3 times.

- Homeowner has had to get claim and legal representation through XXXX XXXX XXXX in order to try to get funds released. An attorney has been retained to help but US Bank also refuses to respond to the attorney as well. US Bank was given authority to speak to authorized representative XXXX XXXX XXXX and the attorney. 

US Bank is clearly obfuscating the communication and will not provide the items required by law- a clear, written path to release the funds and escrow agreement. The homeowner is pursuing litigation. 

THIS complaint is from XXXX XXXX ( homeowner ) XXXX XXXX XXXX XXXX XXXX OR XXXX. This is my second time trying the complaint, on the first round US Bank denied knowing me or that they have written authorization to speak to my claim representative and attorney. All of this is blatantly illegal and I need help to make the bank follow the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. I'm saying this becuase I went to XXXX XXXX the other day and applied for an account I got approved with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a could of items that are not mine. I have reached out to the FTC and to my local police department. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX AND XXXX. There are also some inquries on there that are not mine either XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. I am doing all of this on my own behalf.
Product: Debt collection

Collection Dept. at Regional Acceptance does not answer after sending last four of social, birthdate then to follow up on full social. The incorrect dept. answers only to ask for social security with dogs barking in background. Told them that I didnt feel ok giving my social over the phone so she asked for my full account number at which I do not know because I received no paper work and no validation letter. The partial account numbers from XXXX, XXXX, XXXX would not work on my behalf. So I followed through giving my SS to dog lady only to be hung up on by a recording. I have left three messages with recovery with call back information that for three weeks. ( Nothing )
Product: Credit card or prepaid card

Today is XXXX, I will begin this is not the first time this has been done to me by a XXXX XXXX Credit Card for a Store. Today it was XXXX XXXX. What they do is on the website after you receive the card they advertise to set up auto payments so you are never charged and late fee and do not miss any payments. What THEY don't tell you is that the auto payments take up to 30 days to be active and work properly. So the consumer feels they have set up the payment and things are fine. Well then the auto payment doesn't work and they charge you a late fee. I have inquired both times this has happened to me the other card I believe was for XXXX XXXX. I am wondering just how many people blindly pay the fees and the kind of revenue that generates for misaddressing for XXXX XXXX. Many stores use this credit card and I am in the process of paying off my cards with Synchrony and will never get another card for a store if I find they use Synchrony it is always just a hassle with this company.
Product: Mortgage

After purchasing my home in XXXX of 2012 for a purchase price of {$230000.00} and an appraised value of {$250000.00} it was noted in writing that PMI would be dropped after XXXX percent of the purchase price was paid with a certificate of value showing the home had maintained it 's value, or automatically after XXXX percent of the originally purchased price was paid. 
I paid off XXXX percent of the purchase price and obtained a certificate of value, but unfortunately the certificate was prepared by the bank and it shows that my home is now worth only {$210000.00}. This can not be true since all homes in my community have increased in value since 2012, and the recent tax assessment of my home is {$300000.00}. I therefore believe the bank is showing a low value simply to prevent my payment from being reduced. My mortgage banker is Coldwell Banker Mortgage. I have attached a copy of my latest tax assessment for your records.
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 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 : 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: Money transfer, virtual currency, or money service

I spoke with paypal originally and they told me to go through my bank. And then they told the bank the transfer went into my account ( which isn't true ) it was paid directly to paypal pay in 4 which was to XXXX and XXXX never delivered. Paypal stated they are unable to use my proof. 

My bank said it must be disputed through paypal. Yet they are not assisting me. 

Idk what to do, but I need my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I called trans union at XXXX I spoke with a representative but they were not able to help me out I was a victim inquiry System when Trans Union deleted inquiries off of Ppls report and then added them back not doing it the right way I was a victim so when I spoke to the representative I named the increase that was on my report that I want it removed XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX, XXXX/apt owner, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX ... ... .... The representative was not able to help me kept saying he did not know what I was talking about I will like all the inquiries Removed from my credit file
Product: Debt collection

I RECENTLY DISPUTED CONSUMER ADJUSTMENT CO EARLIER THIS YEAR ABOUT A COLLECTION THAT THEY CLAIM THAT I DID OWE. IN RESULT OF THE DISPUTE THEY COULD NOT PROVIDE ME WITH VALID INFORMATION CLAIMING THAT I OWE THEM THE DEBT. 
CONSUMER ADJUSTMENT CO XXXX {$620.00} I WOULD LIKE THIS COMPANY TO PROVIDE ME A COPY WITH MY SIGNATURE OF THE ORIGINAL DEBT AND THE RIGHT AMOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and noticed it contained a lot of errors pertaining to my Personal Information. I am requesting that you promptly update and delete the following unknown accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX. Please see the attached copy of my Driving Licenses and Social Security Card for your reference. For the record I have lived in the same residence for over 3 years. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is inaccurate. I am requesting the verification of the metioned accounts above, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts :
Product: Checking or savings account

On Thursday, XX/XX/2019, I made some purchases on XXXX marketplace using my bluebird card by American Express. At some point through the night their system went down and my purchases were declined even though I had more than enough funds in my account. On Friday, XX/XX/2019, I attempted to log in to make a truck loan payment to XXXX XXXX but I was unable to access my account yet again to send my payment. I always send my payment before noon so that it is delivered on time but now it is almost XXXX and I still am unable to send my payment out. My payment will now be late so I will be charged a {$30.00} late fee on it. I also have 4 credit card payments due that I am unable to make and each charge a {$25.00} late payment fee as well. I am looking at {$130.00} in late payment fees alone because I can not access my money. I have my car insurance scheduled to come out today and it will be declined as well. I tried to use an atm to pull out cash to pay for my storage locker because that payment is due today and is {$60.00} for the month. I've attempted to use my card at a gas pump to put fuel in my vehicle to get to work but it was declined so I missed a full day of work. I have a few more online purchases that I've made that have yet to hit my account but when they do they will all be declined and my orders cancelled so I will not receive the items I purchased for others as XXXX gifts in time to take them with me when I travel for the holiday. On their XXXX feed I have noticed that this has happened to thousands of customers since it began last night and not a single one has access to their money at all. A few are even stranded at gas stations or at check out lines because they can not pay for their purchases. It is the BlueBird and Serve prepaid debit cards by American Express!
Product: Vehicle loan or lease

I had a loan opened with Credit Acceptance in XXXX for a XXXX XXXX. In XXXX the car broke down. The company was contacted and asked to come and get the vehicle with no action taken. Later in XXXX my family and I became homeless and had to relocate. Again, the company was contacted and asked to come and get the vehicle and informed of my situation of homelessness and job loss. Still no action taken. I had already moved and was finally told in XXXX that they had come and gotten the vehicle. They continue to leave this loan on my credit report and continue to harm my credit.
Product: Credit reporting or other personal consumer reports

i recently examined my credit report and saw accounts that i didn't recognize. i noticed several billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Product: Credit reporting or other personal consumer reports

I filed disputes with each credit agency ( XXXX, XXXX and TransUnion ) regarding the student loan balance with XXXX. 
My student loans were transferred by XXXX to XXXX in XX/XX/2023, however the loan continues to be listed as open on my credit report. 
Dispute filing disputes with each agency, XXXX still refuses to report the loan was transferred and my account is closed. 
My credit report continues to show I owe double the amount of student loans when that information is inaccurate.
Product: Debt collection

They have been very aggressive in nature, calling third parties disclosing they are debt collectors and harassing them for information. They recent event that prompted this claim was improper service and illegal disclosure, they went to the property of my employer gentlemen asked for me by name my boss said he doesnt live here he asked who she was and she advised her name and that she was my employer he ripped the cover of a package of papers, and advised her that he was Serving me, this package of papers looks like a lawsuit with no court stamps or proceeding dates, looks official and scary but no information, but according to ORS CODE 419B-824, As per service requirements and to an employer or place or employment must be in sealed envelope to not disclose personal information, this was not They also passed on private property that is not mine passing three no trespassing signs, which carrys a fine I. Oregon of XXXX dollars also Due to there harnessing, improper and illegal actions I am asking that the CFPB, help stop them fine them appropriately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested the permissible permission from Experian and XXXX XXXX XXXX XXXX ( XXXX ) used to access my credit report in XX/XX/2017. Experian send request to XXXX and XXXX ignores, refuses, and label my complaints as duplicate. Experian and XXXX play games to the benefit to avoid liability and responsibility.
Product: Credit card or prepaid card

American Express openly advertises that it will approve a person applying for business and personal credit if that person has a XXXX XXXX, has an income of at least {$3000.00} a month, and verifies these items. I confirmed all of these items. 

American Express asserts that it accepted full payment of its accounts from me over seven years ago. 

American Express declined me today for information that is not on my credit report and outside its advertised guidelines. This is discrimination, bias, and an Equal Credit Opportunity Act violation. As a XXXX American, I have been denied access to credit based on my race and zip code, as identified in my application, and not my creditworthiness, income, and credit score, all exceeding American Express requirements.

I request that CFPB include this complaint and inquiry into American Express activities and why long-settled items are included in an evaluation of credit outside of the statutory period and contrary to the ECOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Youre in violation of credit reporting act 15USC 1681 ( b ) for unlawfully obtaining my XXXX, XXXX, and XXXX reports without my authorization and permissible purpose under the FCRA. As a result of you unlawfully obtaining my consumer report without my permission, you are liable to me actual damages or statutory damages up to {$1000.00} punitive damages. THE DATES LISTED BELOW ARE DATES MY CONSUMER REPORT WAS PULLED AS OF 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. 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. 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. 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

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!