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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to or now collected by XXXX XXXX opened on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Spoke with XXXX and also Transunion about inaccurate dates and late payments also inaccurate information giving to them. From creditor 's listed on my account. In which they violated my rights as a consumer. Per 15 usc 6801-6802 laws. That information given damaged my approval for a refinance loan on my home.. dates of account are inaccurate also payments history. I've tried to dispute online through both XXXX and Transunion Web site. But nothing has been resolved. This is my last option before I have to seek legal actions against all parties involved.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my cars salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.
Product: Debt collection

On XX/XX/24 I received a copy of my consumer report and noticed some fraudulent activity. I notified your company regarding the alleged debt and I have not received sufficient evidence that I owe this debt. I do not know how or why your have my non public information such as my ss and dob however I have never consented to any agreements to pay for this alleged debt. You stated in writing that If this debt did not belong to me to submit a copy of a FTC report which I am including in this correspondence. I expect your immediately attention to this matter because According to 15 USC 1692g You are required by law to provide proof that I owe your company based on a consumer contract that I signed bearing your company name address and telephone number. The account I am referring to is NATLCRSYS acct # XXXX
Product: Mortgage

My boyfriend left me back in XX/XX/XXXX. I was full-time employed at the time, but fighting to keep my job due a discrimanation case against my employer. My account was XXXX payments beyond during that time, and my lender refused to accept any of my payments. I tried making a total of XXXX full payments every XXXX weeks, and each time the payments were returned back to my checking account. I spoke to a rep and they advised that if I did not make XXXX out of the XXXX payments, the loan would be foreclosed on. So I attempted to take the money out of my XXXX. I received the check to cover the XXXX payments, and I called the lender to workout arrangements for a XXXX time. They agreed to give me the options to gradually get caught up,, and advised that the first payment would need to be around XXXX to start the plan. I said ok, I have the funds, just waiting on the money to clear. XXXX days later I called back to make the payment, but to find out, the account was sent to Foreclosure and that XXXX was needed to bring the account current. In XX/XX/XXXX I completed the loss mitigation packages. I was hoping for some relief, but then I was denied. They claimed I 've already received help from a company called XXXX in XX/XX/2016, and that my debit to income ration indicted, that I would still be struggling to make payments after a repayment plan. It also stated that because I was still working, I was not eligible for any assistance. So in order for them to help me. I would need to be jobless. ( Stupid right? ) In XX/XX/XXXX, I lost my job and re appealed. 
Finally, I was offere a forbearance plan at XXXX a month, for the next XXXX months. In the meantime, I 've received a lump some of money to bring the account current and was told by XXXX, a XXXX at Dovenmule. That If I did that, He would bring my account current and give me the option to gradually get caught up on the attorney fee 's. I called back to set up the arrangement with him. But he song a different tune, and told me to call the attorney, their was nothing he could do .Working with this company has only proven to me that they really do n't care about helping the consumers save their home .I feel like I 'm being forced to lose my home and its really sad to go through this. Also, I 've received a total of XXXX reinstatement letters from the attorney, and the first XXXX letters, the attorney fees were XXXX. When I requested the XXXX XXXX, the fee 's jumped up to XXXX on top of my delinquent amount .Which their stating I now have to pay XXXX to bring the account out of foreclosure. When I should be around {$7800.00}. I 'm not sure why there charging me extra fee 's, when the loan is suppose to be on hold due to the Modification process. 
I cant win! I suffer from XXXX. I need your help. 
I would like my loan brought current and out of foreclosure. I would like a mod if possible with a fresh start. Or all the attorney fee 's waived and given the opportunity to bring my account current without the fee 's
Product: Credit reporting or other personal consumer reports

Ford Motor Credit Continues to violate my consumer rights by reporting on my XXXX credit report as having late payments. I have never been late on this account and I have continually disputed this account and XXXX fails to verify accuracy of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several account reporting under my credit file, on the equifax credit bureaus agency, these are fraud accounts i did not apply nor given permission to anyone to inquire or apply to these inaccurate accounts and fraud accounts, i have written before and i will write again in order for me to see results for equifax, please i will be attaching my police report and the FTC report which i have provided equifax several times, but they have not been able to help me what so ever, i have applied for XXXX job they i was not hired because of this issue. please i need you r help in order for these inaccuracies and fradua accounts to be removed from my credit file thank you
Product: Money transfer, virtual currency, or money service

i am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Checking or savings account

Had some fradulant transactions on my Card.com premium Card and disputed it with them with police report and all information that is was fradualant. and they denied my disputed. refused to give my money back and closed my account which hurt my credit and cant open any new accounts. as they were unauthorized and my card was stolen sent dispute form with police report
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document 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 USC Code 1681eb. 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 in the months that I was late to be removed. They are not in compliance with the following law. 15 USC 1666b 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! 15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Debt collection

I was seen in the emergency room XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided my Insurance Information which is XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX. I never received anything concerning this bill until I got a letter from cascade management a collection agency saying that I was in collections. The XXXX Billing company, XXXX XXXX XXXXXXXX XXXX XXXX never billed my insurance company or submitted it to the wrong carrier because my insurance company has no record of the claim. I was able to get the billing to resubmit the claim and my insurance company denied it because it was not billed in a timely fashion. I told the collection agency this and asked them to remove me from collections. They refuse and continue to call my home and send me letters.
Product: Mortgage

As in the prior complaint in XXXX about the increase in mortgage payment to {$790.00} after the escrow analysis showed a surplus in my escrow balance, Shellpoint Mortgage company has again increased my mortgage payment to {$820.00}. 

The XXXX XXXX escrow analysis documentation reports an escrow shortage of {$540.00}. 

On XXXX XXXX : My current escrow balance documentation shows a surplus balance of {$310.00}. 

On XXXX, I contacted the tax collector s office. I spoke with XXXX. She stated the following : For XXXX : Property tax- {$4700.00} For XXXX : Property tax- {$5000.00} For XXXX : Property tax- {$2500.00} for the first 2 quarters as this is the preliminary estimate of the tax rate and assessment which is the property tax information that the city has provided Shellpoint Mortgage company. 

XXXX agrees that the amount that Shellpoint Mortgage company has increased my mortgage payments last year and this year has been excessive.
Product: Debt collection

I have never received anything in writing about this debt and it has been placed on my credit report as a collection. I believe this may be a time barred debt from XXXX, yet the collection agency put this on my report as if it was opened in XXXX of XXXX. The statute of limitations has passed on this debt and I would like for this to be removed from my credit immediately and for all the " hang up '' and repeated phone calls to end immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I mailed a letter to Transunion ( Certified with USPS tracking number of XXXX XXXX XXXX XXXX XXXX XXXX ) that was delivered to them on XX/XX/21 requesting that the ONLY employer on my report be my current one XXXX XXXX XXXX XXXX XXXX. I just received an alert TODAY, XX/XX/21 that they then broke the law according to the FCRA and added a FORMER job on my file ( XXXX ). They need to remove this ASAP as I have been a part of numerous data breaches and threats of identity theft. I also expressed this in my letter which will be attached along with the mailing proof and the proof that XXXX XXXX added XXXX to my report ( which shouldn't be ). Why do they feel as though they can do whatever they want? I NEED XXXX  REMOVED IMMEDIATELY AND I NEED ONLY THE ITEMS I LISTED IN MY LETTER TO THEM ON MY REPORT. I HAVE A LEGAL RIGHT TO DO SO.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I opened a loan account with XXXX XXXX while on XXXX XXXX for the military. Around XXXX I was removed from my home due to a divorce issue and was allowed back into my house on or around XXXX during this time I didn't have access to any of my personal belongings and was not allowed within 100ft of my home after returning home I quickly called XXXX XXXX to fix my account status with them on XXXX. A promise and an agreement were made over the phone that my account would return back to normal after I made a large payment to the company with a total of {$720.00}. With this agreement being made I paid in full the amount of {$720.00}. After continually receiving monthly statements in the mail over the course of several years and after quite a large number of life changes I check my credit score and found out the company never fixed my account and continued to send me monthly statements in the mail. I have contacted the company on a lot of occasions trying to find answers after being lead on a while goose chase for quite a long time I was automatically forward to the collections department. The last to individuals I had contact was a woman named XXXX, XXXX which then finally forward me to a supervisor after several emails back and forth. The supervisor named XXXX, XXXX didn't even look into the matter he just downright denied any actions or promises made by the company or individuals i then had to beg the gentleman for a copy of my payment history. After contacting several lawyers within my area they said that it would be in the best interest of my case in order to try and resolve this matter privately first. I would like to resolve this with the company before i proceed with any other further actions. I would just like the company to switch my credit back to regular account status as promised and the correct monthly payment history corrected on my credit report.
Product: Debt collection

I received an alert about my credit on XXXX XXXX that a collection agency had placed in collection on my credit report. I never heard of this company nor have I spoken to anyone at this company before. After seeing this, I called the company ( Sunrise Credit Service ) and they told me that for them to remove the negative item I need to pay them what's owed. I never receive a call or a letter from this collection agency notifying me of the money allegedly owe. I ask them to remove the negative item from my credit report because I was not properly notify prior to them placing this item on my credit. I would like them to remove it asap until they follow the law. They need to notify me first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few accounts on my report. Any accounts reported on an identity theft report must be blocked by the credit bureau in accordance with FCRA section 605b. 
XXXX XXXX Balance Owed : {$11000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Checking or savings account

I have been a customer of Capital One for over 15 years. A few years ago I signed up for account alerts to help better manage my checking account. The service provided was great because capital one would send me alerts letting me know when my balance was low and allowed me the opportunity to replenish my account before getting charged overdraft fees. Recently my account became overdrawn and I called to inquire when I was not sent an alert. The representative informed me that capital one no longer provides this service. They discontinued the service without notifying me and my accounts became negative. I requested to close my accounts and asked for time to notify all of the companies I have set up on autopay. During that time I was charged overdraft fees because the changes took time to go into effect. I requested a stop on all electronic payments until I could close the account but I was charged a few more times. I am requesting all fees be reversed and to close my account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account number : XXXX, XXXX XXXX XXXXXXXX XXXX Account XXXX, XXXX XXXX XXXX Account numberXXXXXXXX XXXX Account numberXXXXXXXX XXXX XXXX  Account numberXXXX, XXXXXXXX XXXX Account numberXXXX, XXXX XXXX Account number : XXXX, has violated my rights.

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

15 U.S.C 1681 section 602 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

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 Last reported XXXX XXXX, XXXX {$500.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 5 mos ) 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I had an account with USA Discounter/ USA Living in XXXX that was discharged. Today, XXXX XXXX XXXX, an employee from USA Discounter called in an attempt to extract money from me. I told this employee that I did not and have not had a account with them and no money was owed to them. The employee was vet aggressive in trying to infer I owed money. I finally hung up on him. How is it possible that this company is still in business and trying to collect money from prior account holders with no money owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 1. Account - XXXX XXXX XXXX XXXX. Account - XXXX from XXXX XXXX 3. Account - XXXX from XXXX XXXX XXXX I have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/2020, {$4900.00} was wired to an account at Navy Federal Credit Union controlled by the wrong person, not the person intended to receive the funds. The recipient of the funds stole the identity of another person and fraudulently received the funds. Either the account was opened under the name of a person whose identity was stolen, or Navy Federal deposited funds into an account under a name different from the name to whom it was directed. When this was discovered, we contacted Navy Federal through XXXX, who sent the funds. We have not been made whole over a year later.
Product: Credit card or prepaid card

There was a bonus when I signed up - XXXX bonus when you make $ XXXX in purchases in the first 6 months. I met that spending requirement but I never received my XXXX Virgin Atlantic miles. I've contacted Bank of America already but they continue to deny me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX, and C.L.U.E . Auto for reporting incorrect information on my consumer report. The only employment information that should be reflected on my report is my employment with XXXX XXXX and The XXXX XXXX. Any other information that appears on my report is inaccurate and must be immediately deleted. 

Legal Basis : 1. Michigan Consumer Protection Act ( MCPA ), MCL 445.901 et seq.

Under the Michigan Consumer Protection Act ( MCL 445.903 ), it is prohibited to : ( s ) Fail to reveal a material fact, the omission of which tends to mislead or deceive the consumer, and which fact could not reasonably be known by the consumer.

By reporting incorrect information on my consumer report, Innovis, LexisNexis, and C.L.U.E . Auto are misleading and deceiving both consumers and third parties regarding my creditworthiness and personal information.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The Fair Credit Reporting Act mandates the accuracy of consumer reports and sets forth the rights of consumers to dispute and correct inaccurate information. Relevant sections include : 15 U.S.C. 1681i ( a ) This section requires consumer reporting agencies to investigate disputed information in a consumers file. I have disputed the information on my consumer report, and the agencies have failed to correct or delete the incorrect entries.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. By including erroneous details on my report, XXXX, XXXX, and C.L.U.E . Auto have violated this section.

3. Michigan Collection Practices Act ( MCPA ), MCL 339.901 et seq.

Under the Michigan Collection Practices Act, it is unlawful to provide inaccurate or misleading information to a credit reporting agency : MCL 339.915 ( e ) Prohibits a person from furnishing false or misleading information concerning the creditworthiness, credit standing, or credit capacity of a consumer to a credit reporting agency.

4. Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) The Federal Trade Commission Act prohibits unfair or deceptive acts or practices in or affecting commerce. Reporting incorrect information on my consumer report constitutes an unfair and deceptive practice under this act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax website is down. I have tried different links but non of them work. I need to lift a freeze you do not have that as an option so you may need to add " submit or lift a freeze ''. Anyway I need to get through no one answer the phone and the website is down.