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

As I looked into my credit report, I found that part of the data was inaccurate. The 3 credit Bureaus must verify these accounts ' authenticity in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify these reporting accounts as unverified information. Sections 611 ( a ) and 609 ( a ) ( 1 ) ( A ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX Balance : {$41000.00}, XXXX XXXX XXXX Balance : {$1600.00}, XXXX XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Cashapp refused to return any money for the fraudulent transaction XXXX one time then XXXX another time only talked thru text messages
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I obtain a mortgage loan from Finance of America in XX/XX/2015 and I send all my payments every month electronically from my bank. In XXXX someone from XXXX calls me to inform that they dis not receive a payment in XXXX and in a threat matter they said if I do n't pay by the end of the day that they will report me to the credit bureau and that I need to proved to them proof of payments. The person on the phone became some what hostile and repeated again that I must send them proof or they will report. I responded that that is an error on their part, all my payment are sent from my bank. I sent all the proof obtained from my bank and called them to send me back in writing that they received my information requested. I called and email several times asking them for proof in writing and the only responses are, " we will get back to you ''. Now my credit has dropped and they seem to not care, I am struggling with this to the point that I am thinking in getting a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters of on XX/XX/2002. My tracking numbers from XXXX are XXXX # XXXX, Equifax # XXXX, and XXXX # XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15usc 1681, I have the right to privacy. Also according to USC 6802, No financial institution is suppose to share my information to any third party. 

These are clear violations of my federally protected consumer rights.
Product: Debt collection

On XX/XX/2019 I reached to Nationwide credit inc about my XXXX XXXX card. They said I owned XXXX we settled the account at XXXX. One payment on XX/XX/XXXX of XXXX, a second payment on XX/XX/XXXX of {$1000.00}, and third and final payment of {$1000.00} on XX/XX/XXXX. They said they would send me a settlement letter explaining the deal we had just agreed on. I spoke to XXXX and his manager. Today XX/XX/XXXX I called back because I hadnt received the settlement letter even though I had already made the first payment. Nationwide told me there was no settlement and that I now owed added interest on the account which totaled around {$240.00}. They took my inicial payment on the settlement didnt send me a settlement letter and are now charging me interest. According to the Nationwide there was no settlement done and I still owe the full amount. I feel ripped off of my rights as a consumer and as a citizen. They reported the wrong amount to the credit bureaus. Even though I made a {$450.00} dollar payment on the settlement.
Product: Checking or savings account

Credit karma money has held my money XXXX since XX/XX/2024. On that date, I tried to use my card and received a notification that it had been frozen for my protection. I immediately began calling them and thats when the nightmare bagan. They transferred me to several departments who all repeated the same script I will escalate your case to a higher department, please wait on an email Ive called them everyday and still no answers. On XX/XX/2024, I received a email stating that they could no longer service my financial needs and that my account would be closed and any deposits would be returned. I received another deposit in my account today ( Tuesday XX/XX/2024 ) and it was NOT returned. I called credit karma today and they said that my account is still under review after they said that my account was closed over a week ago. I have took so many losses due to this. I am a XXXX XXXX XXXX XXXX XXXX  and I have been receiving threats from my XXXX XXXX  that work under my software because the fees that they are supposed to be paid are going into this account and I cant pay them. I have also had my car repossessed because of this and in the process of losing my home due to this. I dont know who else to contact because credit karma or XXXX XXXX is helping me. I feel like Im being scammed by a bank that I trusted with my financial assets. As of today, I have {$23000.00} tied into this account and I can not access any of it which is causing more financial burdens on my career and my family. This has been a total nightmare since XX/XX/2024 and I dont know what else to do. I would appreciate some sort of assistance with this matter as soon as possible as I am losing everything behind this. I have contacted XXXX XXXX and XXXX  but still no answers. Credit karma has provided absolutely no answers. They only say we escalated to a specialized team The specialized team has no contact info and can only contact me via email which they have failed to do. My case numbers are XXXX and XXXX Email : XXXX The companies involved are Credit Karma Money XXXX XXXX  Ive contacted XXXX  and FDIC as well
Product: Debt collection

" I strongly dispute the debt charged by XXXX XXXX XXXX, as I am not responsible for it. Despite several requests, XXXX XXXX XXXX has failed to provide me with validated proof of this debt. I have never entered into any contract with them, and thus, I am not liable for the payment. I kindly request that this matter be resolved immediately and the charge be removed from my account. Thank you. ''
Product: Credit reporting or other personal consumer reports

There are a lot of hard inquiries I don't recognize and this goes with XXXX  and trans union I filed report for XXXX  but didn't seem to do any good
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 sec 602a says " There is a need to ensure consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I XXXX ; XXXX. I have a RIGHT to make sure my PRIVATE INFORMATION isn't shared which is evidenced at 15 USC 6801 that says " It is policy of the Congress that each Financial Institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the secuIrty and confidentiality of those customers ' non-public information. XXXX XXXX XXXX XXXX is a financial institution by definition under title 15 usc 1681 sec 604a ( 2 ) that says " In general Subject to subsection ( c ), and consumer reporting agency may furnish a consumer report under the following conditions and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX the financial institution and the consumer reporting agencies XXXX and Experian DO NOT HAVE MY CONSENT to furnish this information and they certainly DO NOT HAVE MY WRITTEN CONSENT. ANY CONSENT TO XXXX, EXPERIAN, OR XXXX XXXX XXXX XXXX whether verbal, non-verbal, written, implied, or expressed IS REVOKED, RESCINDED, AND TERMINATED!! 15 USC 6802 ( b ) ( c ) says " A financial institution may not disclose nonpublic information to a nonaffiliate third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option XXXX XXXX XXXX XXXX XXXX  never informed me of my RIGHT to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) says Expect as authorized under subsection ( b ), no consumer reporting agency make any consumer report contain ANY of the following items of information ANY other ADVERSE items of information, other than records of convictions. ADVERSE means to prevent success.
Product: Debt collection

As of today XXXX XXXX,2018 I logged into my XXXX XXXX account to find an open collection notice from an unknown lender and collection company known as XXXX XXXX XXXX XXXX. I had not taken out any payday loans. I believe I am I victim of fraudulent or scam activity two different reports between my XXXX and XXXX report state comments as reason to collect a debt and medical which I knew is a fallacy as I am a XXXX XXXX  and medical bills are covered indefinitely i did multiple research on the phone number and company and seen this has happend to multiple people. I am a single mom and XXXX looking at getting into a stable living environment this open collection account is going to effect this negatively. Id also like to note I never received a notice to dispute the debt prior to being sent to collections or a notice from the collection agency. Id like this to be resolved I will attach multiple forms of proof verifying my claims and other reports of this company being a scam. I fear for the safety of my identity also this is affecting my life.
Product: Debt collection

The accounts/inquiries listed in the ID Theft Report were opened fraudulently and from an unauthorized use of my social security number and card. I did not authorize these accounts or inquiries to be taken out, nor do they relate from any transaction by me. 

I have never opened an account with TrueAccord.

TrueAccord is unable to provide any contract between myself and their company.

TrueAccord is knowingly and willingly committing Aggravated Identity Theft to collect on an alleged debt and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO.

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). This information is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. 

If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury.

Since TrueAccord is a debt collection agency, I demand you provide me with the details of you purchasing this debt and assigning it to me.

I do not accept TrueAccords offer to contract with me and assign this debt to me.

Furthermore, I demand that you cease all communication with me with regards to this debt, pursuant to 15 usc 1692.

If you continue to contact me with regards to this alleged debt, or keep any record of me with your company, you will be breaking federal law. 

In which case, I will pursue litigation against your company to the fullest extent of the law. 

Kindly govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Student loan

COMPLAINT AGAINST : XXXX XXXX XXXX XXXX XXXX, XXXX, WI. 

Great Lakes are the servicer for six XXXX federal student loans in my name, taken out between XXXX and XXXX, and two XXXX  federal student loans in my name, taken out in the summer of XXXX. 

Since XX/XX/XXXX, I have been in monthly contact with Great Lakes regarding discrepancies in my balances for which they can not ( or have not ) account. 

In early XX/XX/XXXX, I noticed the balance on one of my XXXX  loans, token XXXX, had changed, so that the principal amount had reduced from {$21000.00} to {$20000.00} ( the original amount borrowed ), and the interest balance shot up from around {$240.00} to {$1200.00}. 

I first called Great Lakes on XX/XX/XXXX. I was told my account was under review and I would have to check back later in the month. Several times over the course of XXXX, I called back to investigate this, and I was told each time that Great Lakes had " corrected an error, '' but they could not provide me with any further detail. 

Between XXXX and today ( XXXX XXXX ), I have made {$1900.00} in payments to the loan account containing token XXXX, overpaying each month by an average of $ 400- {$500.00}. I had instructed Great Lakes to apply any excess amounts to token XXXX. By my calculations, I had reduced the {$1200.00} interest balance on token XXXX by {$940.00} as of XX/XX/XXXX. 

Yesterday, I checked my Great Lakes online account to see that the principal balance of token XXXX had returned to {$21000.00}, and that the interest balance remained at {$220.00}. My overall principal balance had increased by {$830.00}, without explanation or notice. 

I called Great Lakes today, XX/XX/XXXX, and spoke with XXXX, who told me that all of their records from XX/XX/XXXX onwards list my principal balance as the higher number. 

I have payment records from Great Lakes issued between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX that directly contradict this statement. I feel Great Lakes are being fraudulent as regards the amount I owe, and I believe they have retroactively altered their records to support this predatory conclusion. I am deeply troubled that this company apparently has the authority to alter my total principal balance ( either increasing it or decreasing it ) without my knowledge, consent, or, apparently, any regulatory oversight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to obtain a mortgage and reviewed my credit report for inaccuracies. I sent the below certified letter to the company after I received no response to my first two certified letters to dispute the account : " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on X/XX/2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required time-frame, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collection from LVNV funding LLC, dated XX/XX/2016 appeared on my credit report. I do not have knowledge of this debt and have spoken with representatives and sent letters requesting debt validation. I have yet to receive validation of this debt and when I called last, whomever I spoke with stated it would be removed from my report due to inaccurate reporting. This collections is still showing months later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft due to stolen sensitive information from my credit report at Equifax. As per the Court Settlement, I was offered either {$250.00} or 6 years of free credit monitoring services. I contacted Equifax in XX/XX/XXXX about the promised credit monitoring. The lady assured me that they had my choice on file and that starting in XX/XX/XXXX, I would get the promised credit monitoring for 6 years. When I called Equifax numbers in XX/XX/XXXX onwards, I was getting a run-around with automatic answering system and I never got connected to a real person. Now, I am in XX/XX/XXXXand Equifax did not provide me with credit monitoring. 
Please contact Equifax on my behalf and persuade it to honor its commitment. 
Thank you for your help.
Product: Debt collection

Some debt collector keeps calling my work number ( which is a call center ) and leaves a message indicating that they have case in their office that requires immediate attention. There is no contact information left and this happens throughout the day several times. 
XXXX numbers that call appear to be local XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Bank 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the credit bureaus to do a verification of everything on my credit report they stated everything was accurate. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. The accounts below all have inaccurate reporting dates and amounts between the bureaus. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$500.00} ( THIS IS A FRAUD ACCT & I ALSO REACHED OUT TO COMPANY THEY SAID THEY HAVE NO RECORD OF ME OPENING ACCT BUT YET IT IS STILL ON MY CREDIT ) In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. ACCT NAME : XXXX XXXXACCT # XXXX AMOUNT {$400.00} In Accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$340.00} In 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 an account without my written instructions.
Product: Debt collection

I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to XXXX days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 
Transunion Accounts XXXX. Account Number : XXXX Balance : {$740.00} XXXX XXXXXXXX XXXX  XXXX. Account Number : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX. Account Number : XXXX XXXX : {$420.00} XXXX XXXX XXXX. Account Number : XXXX Balance : {$440.00} XXXX XXXX XXXX. Account Number : XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX. Account XXXX : XXXX Balance : {$64.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Balance : {$350.00} XXXX This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.
Product: Mortgage

Due to the change in US tax law, I has requested that Mr. Cooper paid the 2nd installment of property taxes from my escrow account prior to year end XX/XX/2017. I was informed by customer service rep that Mr. Cooper would be paying those taxes for all CA residents. When it was apparent I was lied to by Mr. Cooper reps I went ahead and paid those taxes directly. 

I was given instructions to email a copy of the paid taxes and a brief note requested a reimbursement, which I did the first week of XX/XX/XXXX. After more than a half dozen calls to the customer service department, which has absolutely no idea what they are doing and simply resort to lies to appease the customer, they can not tell me when I will receive the reimbursement from my escrow account. 

I have talked to multiple reps and supervisors including more recently, XXXX XXXX and XXXX XXXX in Texas.They have been useless and unequipped to resolve a very simple matter. 

Mr. Cooper needs to reimburse me {$3600.00} from my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian credit report, there is an amount of {$470.00} owed to XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX. I have successfully contested this debt with XXXX and XXXX, and gotten it removed from those two credit reports as this debt is not mine, it is for a debt of a school I never attended, and I was in another country at the time this debt originated. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections of the FCRA that prohibit deletion.