23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

With regard to my complaints going back to XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX as XXXX counsel on behalf of Mr. Cooper for the first time disclosed on XX/XX/XXXX that Nationstar had inaccurate allocated {$11000.00} as late fee payment claimed lines XXXX - XXXX of my payment history were " updated '' XX/XX/XXXX in a XX/XX/XXXX account report. SEE ATTACHED prejudicing me in XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX then responded by mail to the CFPB claiming my allegations were false, and on page XXXX in lines XXXX provided evidence of failing to update inaccurate payment allocation to late fees so outrageous that at {$56.00} per month, indicating I had paid for XXXX late fees. SEE ATTACHED on page XXXX in lines XXXX. Without disclosure of this remaining claim for which relief could be granted under 12 USC 2605f1-f4 for violation of 2605e, the FDCPA and the FCRA, XXXX XXXX obtained a contract by Court order waiving my claims and exempting XXXX XXXX and Mr. Cooper for liability in XXXX XXXX, which is unlawful under law leaving me with inaccurate outrageously inaccurate payment history by payment codes of DDDD and CC to indicate false information that is damaging to any other party who may inquire about this prior mortgage as willfully inaccurate excessive payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX DEPT OF ED/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX loan is not my account! remove immediately!
Product: Credit card or prepaid card

I have been an American Express customer since XXXX and have multiple cards from American Express. Last year I got an offer where I would receive XXXX Membership Rewards points if I were to add an authorized user on my account and that authorized user were to make {$2000.00} in purchases on their card in the first 6 months of acquiring the card. 

I enrolled my wife, XXXX XXXX, as the authorized user on the account on XX/XX/XXXXXXXX  and she made more than {$2000.00} worth of purchases within the first 45 days itself when the total time she had was close to 180 days. Later on ( maybe a month later ), she might've made some returns on the purchases she made on the card. 

I, being the primary user on the card, made the necessary bill payments for the purchases that XXXX XXXX made as an authorized user and kept all my accounts in good standing. However, all of a sudden on XXXX XXXX, XXXX I received an email from American Express stating that they are deducting XXXX XXXX XXXX from my account. Upon inquiring, they mentioned that XXXX didn't meet the necessary terms and conditions of the offer and that's why they are deducting the points from the account. 

American Express has no system on its website or its mobile app whereby it displays or tracks how much aggregate purchases an authorized user has made, how much worth they might've returned and if they are in compliance with the terms of the offer or not. If there were returns made, American Express could've notified that XXXX is not meeting the {$2000.00} spend criteria upfront rather than deducting the points 6 months after the issuance of the card. 

There are no alerts to notify the primary user, in this case me, as well because had I known the same I could've gone out and used the card myself to meet the {$2000.00} requirement. Rather than notifying or alerting the customer they straightaway deduct the points and let the customers know after the fact without giving any ability whatsoever to track the spend of the authorized user. 

I want CFPB to lodge this complaint against American Express and wish them to restore the points they have deducted from my account asap.
Product: Payday loan, title loan, or personal loan

onXX/XX/19,IwentintothepaydayloanofficelocatedatXXXXXXXXXXXXtogetaloanfor{$400.00}.Iwantedtolendittomydaughterforherdepositonherapartment.Ipresentedcheck#XXXXintheamountof{$450.00}totheclerk.ShenotedthatmynextpaycheckfromSocialSecuritywasXX/XX/19.ThiswasonedaylessthantheXX/XX/19whichshesaidwaswithinher30-daytransactionalruleforrepayment.Ididnotthinktheonedaywouldbeanissue.Wellitturnedouttobeanissuebecausemydaughter'srepaymenttomeofwhatIborrowedtogivetoherdidnothappenwithin29days.IcalledtheMerchanttwice:boththeweekbeforetheloanwasdueandthedaybeforeitwasdue.Nooneseemedtohaveconcreteanswers,buttheclerkondutyputaonedayholdonthecheck.ThiswasfinebecauseIknewthemoneywouldbedepositedbymidnightandIwouldnotneedtheentire24hours.

SincemySocialSecuritycheckdroppedatmidnightonXX/XX/19,IwentintothepaydayloanmerchantthenextmorningandredeemedCheck#XXXXforcash.ThecheckwasreturnedtomeandIhavethebankreceiptwhereIwithdrewthemoney.Somehowcheck#XXXXwaspresentedtothebankelectronicallyonXX/XX/19bythemerchantafterIhadalreadyrepaidthemwithacashpayment.ThecheckclearedmyaccountonXX/XX/19.Thismeansthemerchantgotpaidtwiceor{$900.00}.Thiscausedfiveoverdraftsinmyaccountplustheadditional{$450.00}whichshouldnothavebeentaken.Thiscreatesahardshipforsomeoneonafixedincomethatthemerchantwouldbethiscarelessordishonest.ThishasbeenamajorinconvenienceandIwillnotdropthisissuebecauseitmeansthatIwillbethreeweekswithmyaccountinanegativebalanceandIcan'ttakecareofmyfinancialobligationsforthemonthofXXXX.Thisincludesfood,gasandothernecessities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a report stating that these accounts are not mine and that my identity may have been stolen which I have included with this message. I have listed the accounts below. 
I have no idea how these fake items ended upon my credit profile but I want you delete them because I do not want to have someone else accounts in my profile or misleading info. Please delete them asap as its complete fake
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted a company XXXX XXXX XXXX in regards to business funding. I confirmed with this company weather it would be a soft or hard inquiry to check a pre-approval. The company responded its only a soft inquiry for a pre-approval and that there would not be a hard inquiry unless I signed and accepted an offer. 

Shortly after I moved forward with the pre-approval, I received an Experian Credit alert stating that a Hard inquiry was made on my credit report. 

I contacted the company ( XXXX XXXX XXXX ) immediately and the company states they were not aware that there was a hard inquiry.

I immediately forwarded the alert to the company ( XXXX XXXX XXXX ) showing them proof. 

XXXX XXXX XXXX rep just stated that there concerned that that happened. 

This is misleading business financing practices, and I did not agree to have my credit pulled with a hard inquiry. 


This is the information from Experian below : EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Business on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXXXXXX, 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
Product: Credit reporting or other personal consumer reports

The XXXX XXXX account reporting on my consumer report is incorrect and needs to be removed. Every alleged account is reporting inaccurately and erroneously, which is grounds for removal under the direct violation of 15 USC 1681 ( Reporting incorrectly ). Please have them COMPLETELY REMOVE THE ACCOUNT because I have given them plenty of time to conduct a full and complete investigation on this inaccurate and erroneous account. Please don't just have them do it by eoscar ; my life depends on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP. This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement. A legal contract is signed by two parties, and I did not participate in any of it. Furthermore, they didn't follow the proper 5-step validation procedure, making this an unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation, and clearly, they violated my rights. I will attach all documents to this complaint. Companies have failed to investigate this account which is a violation of the FCRA AND FDCPA LAWS.
Product: Debt collection

The apartment complex already sold my lease to some other company that keeps call me to pay for the rent when I never lived there in the first place
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

In XXXX, received a letter from ProCollect stating that I should pay the XXXX XXXX apartment move out fee collection so my credit score is " not negatively impacted '' and it listed all the consequences of not paying the collection. After receiving that letter from ProCollect I was scared that this collection would hurt my credit, so I paid it as soon as I could shortly after receiving the ProCollect payment due letter in XXXX. 

I had an agreement with ProCollect to not have this collect on my credit report if I paid it in full, and I just found out in XX/XX/XXXX that they have been reporting it to XXXX XXXX even though I paid them and settled this in XX/XX/XXXX. This collection from XXXX was added to my credit report 5 years later by XXXX in XX/XX/XXXX. The delinquency date for the move out fee states XX/XX/XXXX, but I moved in the apartment in XX/XX/XXXX, the balance is wrong, and the collection should not even be on my credit report per my agreement with ProCollect. ProCollect has incorrectly added this collection to my credit report when I had an agreement with the collections that it wont be in collections if paid in full. I was threatened into paying this debt in return for it not damaging my credit and it damaged my credit anyways, I do not feel protected as consumer because of ProCollects error of adding this collection on my credit report when they said it wouldn't be on there if I paid them, which I did.
Product: Checking or savings account

Open an account on XX/XX/XXXX after seeing advertisement of {$350.00} bonus when opening an checking account an depositing {$10000.00} within 30 days and keeping it in a linked account for 3 months. By XX/XX/XXXX, I have deposited {$10000.00} into the account. I transferred {$10000.00} into my linked savings as allowed by the terms of the offer. It has been nearly half a year and I have not received the promised {$350.00} offer. I have made 3 attempts to resolve this with HSBC, calling in mid XXXX, late XXXX, and XX/XX/XXXX. On the first call, the representative said their system for checking past offers was down and asked me to call back another day. I then called on the week of the XXXX and was told by the representative that they filled a case and I would be contacted by mail within 7 business days. He was unable to provide me with any confirmation number that the case was filed. After calling on XXXX, I discovered representative # 2 did not actually file a case and they would do so today. He then said I would have to wait 5 business days for a response. After trying to resolve this with HSBC for nearly a month and discovering I would have to wait another week, I decided I needed to find another way to resolve this situation ; thus I am filing a complaint with the Consumer Finance Protection Bureau.
Product: Credit card or prepaid card

This credit card was tied to my business checking account. In XX/XX/2013 that account was closed by Chase because my business was failing. The shut down that account and failed to notify me. I found out when I went to make a deposit. They were automatically taking the money from my account & didn't bill me. After several years of not hearing from the bank, they turned it over to a collection agency. Suddenly I am getting calls from them about an account I forgot about. They literally shut down my business and never gave me a chance to address this card & the amount owed. It has been 7 years since they stopped taking payments. This credit agency keeps updating the report in an attempt to keep the statute of limitations from running out. This is harassment, as they have not made any attempt at contacting me in several years. This account should be taken off my report at this point.
Product: Debt collection

Midland credit has filed a law suite and was awarded judgement over a debt I knew nothing about. This debt is well over XXXX years old and is against the fair debt collection act. I answered to the complaint in XXXX XXXX court on line and no new court date was issued. I was not aware of the court at that time. I was served with a garnishment on this debt that is very much over XXXX XXXX XXXX that I did not cause. Again this has past a statue of limitation per Georgia law. The collection agency Midland Credit only had XXXX years by Georgia law and now causing to infringe on the fair debt collect act. Something needs to be done on judges in XXXX XXXX for not enforcing these laws. I would like to file a suite against midland credit XXXX XXXX and XXXX XXXX ga for infringing on my rights to the fair debt collection act.
Product: Student loan

XX/XX/XXXX the borrower contacted AES to inquire how to process a co-signor release which the grandmother had signed for back in XX/XX/XXXX. AES is the lending institution and XXXX is the collection agency they use to process the payments, collect overdo payments, and make the calls. The representative for AES stated that the loan was taken out prior to when the co-signor release law with was instituted, so the loan was not eligible for that option. The grandmother is XXXX old and is trying to finalize any issues with her Estate that may be generated upon her death. The grandmother has received statements that have provided details that the loan is current and has been for more than 3 years. It is not believed that the information AES is providing is not accurate and in fact is a lie. The borrower has paid over the amount in interest payments that the original loan was taking out for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX Acct # XXXX 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. 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 aggregates 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: Credit reporting or other personal consumer reports

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 Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against TransUnion regarding their failure to comply with consumer protection laws and their disregard for my request for information. On XX/XX/XXXX, I submitted a complaint ( Complaint ID : XXXX ) to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccuracies in my credit report, investigation process, etc. I provided TransUnion with all necessary documentation and information to investigate the matter thoroughly. 
However, I am deeply disappointed to learn that TransUnion has closed my complaint without providing me with the information I requested or addressing the issues raised. This action not only violates my rights as a consumer but also demonstrates a lack of accountability on the part of TransUnion. 
I asked you to not close this complaint until you provide me with the following : 1. The name, date and time of the person you spoke to complete your investigation According to 15 usc 1681a ( e ). 
2. Written consent that I gave them to furnish these accounts. According to 15 usc 1681b ( 2 ) 3. Explain why you are still reporting these accounts even though they are not reported accurately across all 3 credit bureaus ( This is my third CFPB complaint about the inaccuracy of the reporting ) 4. Please provide the law that states that the credit bureaus can report income. These accounts are all charged off And charged off are considered certificate of indebtedness which means it is INCOME According to the IRS Publication. Income can not be reported to a consumer Report you did not provide me with any of these things. All of these laws was uploaded to the first complaint. But it seems as if TransUnion either did not look at them or chose to ignore the LAW. TransUnion chose to do their investigation based off of their policies not the law. The law states who they supposed to interview when doing a investigative consumer report ( 15 USC 1681a ( e ) ). But in their response to my complaint they did exactly what the law said not to do. 
So again please provide me with the information I asked for in the first complaint mentioned above Before you close this complaint I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against TransUnion for their non-compliance with consumer protection laws. Additionally, I ask that TransUnion be required to provide me with the information I requested and to rectify any inaccuracies or discrepancies in my credit report promptly. 
I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any further information. Thank you for your assistance in this important issue. 

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

On XXXX/XXXX/XXXX, TransUnion denied me the ability freeze my credit report online. They are requiring me to mail in the request, which I find unreasonable due to the time sensitivity regarding the massive breach of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint with Transunion Credit Bureau. I have a bankruptcy on my credit report that was sent to the credit bureau. I provided my documents from the bankruptcy courts stated that they did not report to Transunion Credit Bureau. Transunion Credit Bureau still is refusing to get rid of the bankruptcy in my credit report.
Product: Credit reporting

Equifax Credit Agency : Deleted a good standing trade line from my credit report without me the consumer contacting the credit agency or disputing the account. My fair credit rights were violated due to the trade line being in good standing and was not ten years old. The trade line was deleted from my credit report on XX/XX/XXXX, when it was not due for deletion until XX/XX/XXXX. The trade line was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. Telephone number XXXX. When I contacted Equifax Credit Agency regarding reinserting the trade line it was stated to me, " that I had to contact the institution. '' I did! I contacted XXXX XXXX XXXX the Vice President, credit disputing department on XX/XX/XXXX. Her telephone number is XXXX. She stated, " I would have to move forward on my complaint against Equifax. Equifax stated, " to me XXXX Bank, sent in an electronic portal requesting to have the good standing credit line removed. '' I do n't know who is telling the truth or who is n't. What I do no is my FAIR CREDIT RIGHTS WERE VIOLATED. I am asking for the good standing trade line, [ description account number XXXX ] to be reinserted with all major credit bureaus. My fair credit rights have been violated. This has cost me tremendous stress, cost my credit score a tremendous score hit, meaning lowered my credit score. And most importantly, I continually to be miscommunicated, mis-leaded by both Equifax, and XXXX Bank. Please investigate throughly. As always, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i sent off a debt validation letter to the alleged debt Collector XXXX XXXX & they returned to sender saying that address is unknown & invalid when this is the address clearly showing on my Consumer report. If address information is invalid then surely the information being reported is to my understanding INACCURATE also. 

In accordance with the Fair Credit Reporting act XXXX XXXX # xxxxxxxxxx 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
Product: Credit reporting or other personal consumer reports

I feel taken advantage of from this credit reporting company. Information is on my report which I know isnt being reinvestigated properly. This information is reported with errors and is affecting my score and I am beyond stressed out by this at this point.