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

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 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 Has violated my rights. 

I looked at my TransUnion credit report on XXXX XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for my XXXX XXXX credit card. Account number, XXXX ... The amount owed on XX/XX/2020 was {$3800.00}. This was when the Covid virus struck America and my company shut down, I was also diagnosed with Covid in XX/XX/2020. As soon as my company paid me and I was virus free I paid off the entirety of the amount that was owed. I have asked XXXX XXXX  to look into the details of this and they have refused, I have offered to pay a fee to have it removed, they also did not accept that. This has affected me in many ways when trying to apply for a loan and a mortgage. I have paid every credit bill on time since that date and before that date. I am asking for a little relief due to the COVID virus striking down my work and myself. I did my best to pay the bill asap, am asking for some goodwill as I have and will continue to be an on-time paying customer. 

Respectfully, XXXX XXXX
Product: Credit card

On XX/XX/24 I was booking a flight on XXXX XXXX 's website, and there was a promotion if you open an American Express, you will receive a {$400.00} credit. I opened the credit card, charged my flight for {$870.00} and never received the the {$400.00} credit. I contacted them three times because I never received the credit. Today, XX/XX/24, after contacting them again, I was told I would not receive the credit, and the reason given was they were afraid I would close the credit card after receiving the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen 2 times within the past 5 years. Just recently since XXXX of XXXX accounts have been appearing on my credit so I have been disputing them. I have started the dispute process over and over every time I dont get results and because of that this company has stopped me from receiving my report with them. I just filed a recent complaint with the CFPB about them not blocking items on my credit report due to the identity theft and not allowing access to my credit report and they responded that they verified the accounts as accurate and that I should receive more information in 7-10 days but quickly ignored my police report, identity theft report and the fact that I cant see my credit report. Its been past the timeframe and I havent received anything but a incomplete credit report. That did not provide the investigation proof that I requested in the dispute of how the came to the conclusion that these debts are mine and I still do not have access to my credit report to check for new fraud.
Product: Debt collection

Second look Inc his trying to collect a debt for XXXX XXXX that was found to be false and insurance fraud by the claimant. I have made several calls and by mail to stop the harassment of Second look for a claim I do not owe or do that have any judgment. The Alleged account number for the second look is XXXX XXXX # XXXX XXXX Second Look phone number is XXXX. 

Please fine this company for misuse of phone Comunicaciones and fraudulent mail after being constructively told to stop harassing me of money I do not owe them. 

Thank You XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX  XX/XX/XXXX at or around XXXX I received an Email from wise that a transaction I made for XXXX XXXX was canceled and my money refunded. It took me days to make this transaction because of both wise incompetence as well as my bank. I then at XXXX called wise and told them my issue. Where they told me they request information from me. I have never received and email EVER about send in information, id, verify XXXX, mailing address, nothing. I was told that from the support that, they never sent me a verification email. I feel like this is retaliation for sending a complaint about them. I feel like this is shady and they are lying on their end to save face. AFTER XXXX  years of not sendin verification they now do this after I sent in a complaint.
Product: Payday loan, title loan, or personal loan

I am trying to access a portion of my unlimited credit and Navy Federal Credit Union will not let me do so. I applied for a credit card and two personal loan in XXXX and was denied both times. Due to this denial I had loss almost everything financially. They are also threatening to close my checking account for being in the negative. Not being able to access credit has cost me dearly. I try paying with a securities per 31 CFR 328.5 I also tried to pay with a negotiable Instrument per 745.11 and UCC section 8-102 ( a ) ( 9 ) 3-104 ( a ) 1,2,3. I also Public Law Remedy CHAP 48,48 STAT.112 I need to know all the factors underwriting used to deny my consumer applications based on the law? Navy federal credit union used a credit report to send me a denial. How can that be lawful when Navy federal credit union participate in fractional banking? I also, need to remind them that their policies are not in alignment with the law according to 15 U.S. Code Subsection 1611 for willful and knowing you are in violation as well as the securities and exchange act of 1934, and CFR 321, 328.6 and adverse action.
Product: Credit reporting or other personal consumer reports

This account was charged off as a collection on the following date XX/XX/XXXX of XXXX but on my report its stating XXXX of XXXX. It is also being reported on my report that the account is closed and in collection with EXPERIAN but the account status is also being reporting to being an Open account with XXXX and its not reporting much information with XXXX. Also all XXXX accounts are stating a balance of {$100.00} as if the account its open when the balance should be XXXX since its already being reported as a collection which is also inaccurate and a violation According to XXXX XXXX XXXX  XXXX, EXPERIAN, XXXX, & XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : EXPERIAN Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a personal student loan with Navient that was XXXX by XXXX  XXXX bankruptcy in 2019. 
Navient account number : XXXX The company is trying to act like they are a Department of Education loan, that is not cancelled by XXXX  XXXX or any Bankruptcy  titles, unless extreme hardship. 
Under the Brunner Act, any category of student loan can be discharged when extreme hardship can be proven. 

Also, the XXXX XXXX XXXX has ruled that private student loan can be discharged and do not have the same protection as Federal loans. 
I have sent the Navient discharge notice, and Notice to creditor of the XXXX hearing held before receiving my discharge. Navient, is still sending payment due date notices and offering Income Driven Payment Plans when the loan is discharged. 
Feel free to share this with other who may be experiencing similar request for payment well after the loan has been discharged. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$83000.00}, XXXX  XXXX XXXX XX/XX/2022
Product: Credit reporting

There is duplicate reporting on my credit report for a home equity loan from XXXX XXXX and XXXX XXXX XXXX. The original loan was with XXXX XXXX who was bought out by XXXX XXXX. So the information is repeated twice which effects my credit score. The loan was eventually paid off in full ( {$180000.00} ) five months late. There is no balance. XXXX has XXXX XXXX reported correctly. However, XXXX Bank is incorrect and should be removed. Experian is also duplicated. XXXX should be removed and corrected. XXXX XXXX should show a XXXX balance and reflect paid in full. 
XXXX also reported XXXX XXXX and XXXX XXXX but the information is correct, XXXX should be removed. I hope that was not to confusing. Please see attached. I have additional paperwork if required.
Product: Debt collection

In response to my last complaint, Wilmington Savings Fund Society FSB, as Trustee of XXXX XXXX XXXX XXXX A denied all responsibility for the unwarranted eviction actions filed against me, shifting the focus to XXXX XXXX XXXX , XXXX ( Response Letter dated XX/XX/XXXX ). Yet so far, I have received motions asking the courts to extend enforcement of one of the wrongfully entered Eviction orders with Wilmington Savings Fund Society FSB named as Plaintiff. The motions are dated for XX/XX/XXXX and XX/XX/XXXX ( Motions are attached ). The evictions were filed under seal and are not viewable by the Public, and this is what deters most attorneys from assisting me in this matter. They complain that they can not research my case from their office. At any rate, Wilmington Savings Fund Society FSB, in concert with XXXX/XXXX  are falsely representing to me, the courts, and to the world that my Property has been transferred to a Third Party Purchaser. They did not, and can not provide any proof of an actual sale. XXXX/XXXX  didn't have a legal or equitable right to sale, transfer, or even foreclose on my Property. The Department of Justice found XXXX 's Foreclosures between XX/XX/XXXX and XX/XX/XXXX to be unauthorized. And XXXX XXXX XXXX XXXX, the non-bank subsidiary used to file the first 2 evictions in pursuit of void debt failed to execute the wrongfully entered possession orders filed with XXXX County Sheriffs XX/XX/XXXX and XX/XX/XXXX. Now the basis of these corporations ' claim is the unlawful quitclaim recorded XX/XX/XXXX. Their suits violate the Venue provisions of the federal Fair Debt Collection Practices Act and other actionable elements under the Act ( See 15 U.S.C. 1692i and Section 1692e ( 12 ) ). And they are a continuation of XXXX 's violations of State Consumer Fraud, the False Claims Act, and the FHA. State and Federal prosecutors successfully prosecuted XXXX and its related entities for the latter. My property is not subject to the unidentified trust agreement or unidentified sale that XXXX and Wilmington would have others believe. The underlying anti-consumer loan was securitized into XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, the unlicensed loaner never had a lawful lien attached to my Property in the first place, nor did its successor XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX, submitting this complaint against Experian XXXX XXXX XXXX XXXX and there is no third party involved. As of XXXX, XX/XX/XXXX at XXXX XXXX  EST your company is entering a binding contract ( Attached below ). Also, your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/ XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Delete & Purge all Late payments for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete and purge all Hard inquiries , & all Late payments. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees stated in binding contract & above
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has always been XXXXI have tried to deal with USAA Savings Bank about an account that is not mine. I have never dealt with USAA.I have been working on this since XXXX. I talked with the fraud department on XXXX XXXX around XXXX, They agreed it was not my account. But nothing has changed on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately.

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Debt collection

I received a letter in the mail from a lawyer claiming that I was being sued. I looked at the letter and it says im being sued by XXXX. I have been an XXXX XXXX XXXX  member since XXXX. I have never opened a XXXX account and I called the debt collector and relayed that information to the representative on the phone, but I dont believe anything has happened since our conversation in XXXX of XXXX
Product: Debt collection

Servicer, Selene Finance ( Selene ) provided a mortgage statement dated XX/XX/2023, for my homestead property. This statement alleges a past due balance of XXXX. I am requesting that Selene produces written proof of how this total was derived ( i.e. periodic due dates and amounts, etc ). The statement also appears to reflect monthly escrow payments due in the amount of {$530.00}. In XX/XX/2023, I provided copies of property tax and homeowner 's insurance installment payments for the previous 2 years. In XX/XX/2023, I spoke with representatives at Selene and advised them of the pervasive error and reiterated that I have attempted on numerous occasions to have the accounting corrected. Although I have provided proof on multiple occasions that I pay my own homeowner 's insurance and property taxes, it is not being reflected on escrow statements and/or proofs of claim received from Selene or any of its predecessors ( XXXX, XXXX, XXXX. XXXX ).
Product: Mortgage

Loan servicer failed to comply with all requirements in 1024.31 Definitions.
For purposes of this subpart : Consumer reporting agency has the meaning set forth in section 603 of the Fair Credit Reporting Act, 15 U.S.C. 1681a.
Day means calendar day.
Hazard insurance means insurance on the property securing a mortgage loan that protects the property against loss caused by fire, wind, flood, earthquake, theft, falling objects, freezing, and other similar hazards for which the owner or assignee of such loan requires insurance.
Loss mitigation application means an oral or written request for a loss mitigation option that is accompanied by any information required by a servicer for evaluation for a loss mitigation option.
Loss mitigation option means an alternative to foreclosure offered by the owner or assignee of a mortgage loan that is made available through the servicer to the borrower.
Master servicer means the owner of the right to perform servicing. A master servicer may perform the servicing itself or do so through a subservicer.
Mortgage loan means any federally related mortgage loan, as that term is defined in 1024.2 subject to the exemptions in 1024.5 ( b ), but does not include open-end lines of credit ( home equity plans ).
Qualified written request means a written correspondence from the borrower to the servicer that includes, or otherwise enables the servicer to identify, the name and account of the borrower, and either : States the reasons the borrower believes the account is in error ; or Provides sufficient detail to the servicer regarding information relating to the servicing of the mortgage loan sought by the borrower.
Reverse mortgage transaction has the meaning set forth in 12 CFR 1026.33 ( a ).
Service provider means any party retained by a servicer that interacts with a borrower or provides a service to the servicer for which a borrower may incur a fee.
Subservicer means a servicer that does not own the right to perform servicing, but that performs servicing on behalf of the master servicer.
Transferee servicer means a servicer that obtains or will obtain the right to perform servicing pursuant to an agreement or understanding.
Transferor servicer means a servicer, including a table-funding mortgage broker or dealer on a first- lien dealer loan, that transfers or will transfer the right to perform servicing pursuant to an agreement or understanding.
OFFICIAL INTERPRETATION TO 31 1024.30 1024.32 SECTION-BY-SECTION ANALYSIS
Product: Credit card or prepaid card

I am writing this complaint to correct a billing error on my Cashback debit card. A charge of {$1400.00} was made to my Cashback debit card account on XX/XX/XXXX. The charge is in error because I did not authorize the transaction and notified Discover promptly of the unauthorized charge. I received a letter dated XX/XX/XXXX stating that they determined the transaction was valid because : 1. " Transaction ( s ) completed with PIN with no prior PIN failures 2. " No history of PIN being changed recently '' 3. " Transaction ( s ) do not indicate fraudulent activity '' This makes no sense as someone clearly accessed my information without my consent. It appears Discover just replied with a generic letter with no consideration with the issue. I allege there must be some form of fraud protection on my card to protect me from unauthorized charges. 
Discover also stated that they would be reversing the provisional credit provided. 

I'm unsure how someone was able to use my pin I'm stressed out over this. It's causing me a huge inconvenience. 

Please correct the issue and correct the error of the unauthorized charge it's causing me a great deal of stress because I never authorized the transaction. I've done everything in my power to address the situation promptly. 
Please correct the error on my account promptly.
Product: Checking or savings account

I disputed a charge to my checking account from XXXX XXXX in conjunction with an application I submitted for an apartment to XXXX XXXX XXXX. The policy on the website states that if an application is submitted and denied, the admin fee is refundable. My application was denied due to me submitting an offer letter as my source of income. I told Navy Federal this numerous times. The apartment complex, however, put my application as being cancelled. They did this purposefully so that they wouldn't have to give me a refund. An employee stated that I would get my refund and that all I had to do was send an email requesting it. Navy Federal has denied my dispute and is refusing to look into the claim any further or reopen the claim. They told me that I have to pursue things on my own with the company. However, the company is refusing my calls and not answering emails. I have a valid claim to dispute the charge and Navy Federal is not looking into it and this the only way for me at this point, to get my money back.
Product: Credit reporting or other personal consumer reports

The late payments shown are not in line with my established payment history.
Product: Debt collection

Account # XXXX Ive disputed this debt on many occasions with this company, in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ive informed the company to remove/delete this debt from my credit report, due to being affected by a Natural Disaster Hurricane. This debt is impacting my ability to rebuild, and Im and experiencing financial difficulties and hardship. 
This debt is reflecting a balance of {$6000.00}, but has been sold. The balance should be {$0.00}. 

I am also a victim of fraud and have reported my case to The Internet Crime Complaint Center where my bank accounts was compromised. My personal information such as my ssn, is involved in several data breaches and on the dark web. 

I wish for this debt to be removed from my credit reports, due to to inaccuracy and potential fraud.
Product: Payday loan, title loan, personal loan, or advance loan

I received a call stating I was approved for a loan. They sent me money and asked me to send them the money back via XXXX. They had all of my personal information. Bank account numbers, social security, phone, address, and job information.