23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was traveling back from Arizona and got an alert that my balance was below a certain amount. When I checked my account someone had used my credit card and sent XXXX dollars to someone from Zelle. I disputed it through my bank and XXXX denied it. I also called Zelle and they can't track the information using my credit card because that's not the one on file. I haven't used Zelle in 10 years. There has got to be a way to track how someone went into my account and sent someone XXXX from Arizona. I still had my card in my possession and only used it at 3 places in Arizona
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar mortgage incorrectly reported that I missed over 6 mortgage payments in 2016. I only missed one payment, due to there incorrect information while I was waiting on final approval on a harp loan modification. They advised me that one missed payment was acceptable and that it would not affect my credit. I later discovered this to not be correct, and they continued reporting it as if I had not made payments. That was wrong, and they have not corrected the mistake to this date. I did miss one payment, but only because they did not have all the necessary paperwork completed in a timely manner.
Product: Credit reporting or other personal consumer reports

I have been trying to research the issue first before making any false allegations. I have reached out to the IRS and they found the Identity Theft to be true. I have submitted several documents showing them the transaction made by this person at different banks for years and my XXXX XXXX has not been changed. I suspect XXXX to be my step mother XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, Ar. XXXX. She may have used this after the death of my father XXXX XXXX XXXX. She has used aliases name for year on her record and she has used aliases name saying that I did it after I was forced to be separated from my Ex XXXX XXXX XXXX XXXX in which she probably made him use my information to throw off the XXXX XXXX She used to work at XXXX XXXX XXXX XXXX in XXXX, Ar. XXXXShe is a doctor who prescribed the wrong medication so that she may control our finance and any inheritance from my father such as a trust fund that I never received. She complained that she had been with my father for years and couldn't get any of the money or assets when he passed away because they were divorced before he died. She then used his sister XXXX XXXX XXXX XXXX XXXX in XXXX, Ar. My XXXX XXXX was higher while I reside at a shelter where they were fearful to use any money or social security number or benefits after filing Identity Theft and police reports.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, Experian & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. 


According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, XXXX and Experian are consumer reporting agencies and I am the consumer. 


I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the 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 security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and the consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, to furnish anything in regard to these accounts, whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " except as authorized under subsection ( b ), no consumer reporting agency may also make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items, and they are reporting without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services in regard to these accounts.
Product: Mortgage

My job relocated from XXXX to XXXX. In order to keep my position I accepted the new relocation. I contacted a law firm to assist me with a short sale. I could no longer afford to maintain a mortgage payment and rent at my new location. I sent monthly bank statements and check stubs to the lender to show that my income could not maintain the monthly mortgage payments. I obtained a relator to place my home on the market and received an purchase offer. GreenTree mortgage company drag this process over a year and decided not to agree with a short sale. Green Tree mortgage agent told the law firm that I went to XXXX to often and I could meet my monthly obligation. Green Tree mortgage were unwilling to work with me and drag this process for over a year. I wanted to meet my obligation but I could no longer afford this payment and meet my daily needs. I was trying to maintain my good credit standing by doing a short sale.
Product: Credit reporting or other personal consumer reports

My personal information was lost/stolen during my tax preparers relocation in 2019, and I was notified and advised to monitor my accounts going forward. I recently pulled a copy of my credit report and noticed accounts and inquiries I have no affiliation with or knowledge of. I also see numerous credit inquiries where someone is attempting to access lines of credit in my name in addition to listing addresses I have never resided. I contacted the credit reporting agencies to advise them of the accounts that are not mine being reported on my credit profile, I requested verification and have yet to receive a formal response. I have the right to privacy and have not given any written consent for this information to be reported to my profile and doing so is in violation of 15 USC 1681B Also furnishing accounts in direct result of identity theft is in violation of 15 USC 1681 c-2 I've requested that addresses where I never resided being reported to my profile be removed. This is causing erroneous accounts to be inaccurately reported to my profile and impacting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX we sold our condo. Settlement date was scheduled for XX/XX/2020. In Early XXXX I applied for and was granted Forbearance from BB & T because I had contracted the XXXX Virus and my husband lost his job. I was given 3 months forbearance so my mortgage payments would not be due until XX/XX/XXXX. In mid XXXX, while still quarantined, I got nervous about the forbearance and decided to pay my XXXX mortgage payment anyway. On XX/XX/XXXX, my husband paid the XXXX payment at the local branch. Then May came around and I worried again about the forbearance, so my husband also paid the XXXX payment on XX/XX/XXXX. All the while knowing we were closing on the sale of this property on XX/XX/XXXX. I had even called BB & T to ask if I needed to pay the XXXX payment. That call took place on XX/XX/2020 @ XXXX XXXX. The woman on the call said I should pay the XXXX payment even though I was in Forbearance. So, My husband went to the local BB & T bank and made the XXXX payment on XX/XX/XXXX. 
When we closed on the sale of the property on XX/XX/2020, we thought all was ok. We paid up XXXX & XXXX mortgage payments. We closed on XX/XX/XXXX. 
On XX/XX/XXXX I started to get alerts on my phone ; the 3 credit bureaus changed my status from pay as agreed to 30-60 past due. That is not true.
Product: Checking or savings account

i placed an order with XXXX labeled entity on the internet to purchase an copy of XXXX XXXX for XXXX in the transaction there was an caveat stating that if i did not want to have XXXX additional transactions for the same amount over the next XXXX years after the current XXXX than i needed to check the box - but the software never loaded correctly and i was unable to check the box that I DID NOT WANT ANY ADDITIONAL AMOUNTS taken from my account besides what was initially contracted via the e-subscription. following this transaction i see XXXX additional 'visa ' transactions in my bank account for provisional charges for XXXX XXXX i was initially unabe to determine what was the nature of the charges and called truist bank and they claimed they did not have any knowledge of the type and ature of 'provisional ' charges assigned to my account. they refused to remove the charges and a dispute resolution screen was not available. the software continues to malfunction and truist at a later date allowed the diispute to go through, but i am unsure of the final outcome and the debit card has been cancelled - awaiting action. this bank has been financially harassing me forthe past several years based on race and age
Product: Debt collection

I received a few letter from XXXX XXXX attorneys in attempts to collect a debt to which I requested validation and claimed a billing error. I sent them XXXX different letter with a return receipt request to which only XXXX were returned and I have proof of delivery in the XXXX. They failed to validated the debt and proceeded to send me a lawsuit. I sent them a copy of the lawsuit and to the courts with the statement I refuse to contract, I do not accept this offer to contract, I do not consent, and I never intended to and I do not recognize you. this is per my right under XXXX XXXX am claiming a billing error, simply because they XXXX the debt, took tax benefits and profits from the sell of securities or debt. How can you claim I owe you that amount when you profited and took tax benefits. Show me the back end accounting and that is not the only way they violated the FCRA. They also reported late payments to the credit reporting agencies after the account was closed. Certain things need to be present in order for a payment to be late on an XXXX account. They must show proof of statements being sent 21 days prior to the due date and so do the credit reporting agencies. ( XXXX b a creditor XXXX 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 period statement including the information required by the sections XXXX ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 
Request the documents. Request periodic statement and notice of XXXX ( b ) and proof that it was 21 days or less of the due date. ) They also violated section XXXX usc XXXX ( b ) maximum possible accuracy. Billing error and reporting late payments in a closed account. Show me your records to which your sent the statements 21 days prior to the due date. I also want to see the back end accounting and show me the credit reporting agencies have the records of the date and time the statements were sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I had a credit card for more than XXXX years with XXXX XXXX XXXX We had credit ratings of the mid XXXX and a credit line of {$30000.00}. We paid our full balance every month, on time. My husband passed away, so I closed that account and opened one in my name. My income is about half of what our dual income was, I have no mortgage, rent, or car payments, and my personal credit score was XXXX. I was given only a {$5000.00} credit line on my new card, and my credit score began to plunge. I used over half of that available credit in the first month, again, paying off the entire balance on time. However, my score continues to plunge. The excuse is that I used over half of the available credit! Is this some kind of Catch 22, or a scam? They give me an insultingly low credit line- totally disregarding my history with this institution- and then ding me for using too much of it?!!! I took out a second credit card with XXXX XXXX and they only gave me {$3000.00} credit line. My total credit line is less than one-third of what we had previously and I am very upset over this, as my nearly-perfect credit score continues to plunge.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it.

TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX & TRANSUNION LLC Inquiry Date : XX/XX/XXXX
Product: Debt collection

This collection agency is harassing and calling me, in addition they are sending me letters. They also are reporting this as a new debt damaging my credit when it should not be reported at all. As stated in law : " XXXX agencies can not report old debt as new. If a debt is sold or put into collections, that is legally considered a continuation of the original date. It may show up multiple times on your credit report with different open dates, but they must all retain the same delinquency date. They should also all be discharged on the same date XXXX years after the original open date ''. This collection agency has done just that and I now have to dispute the information with all 3 credit reporting agencies which is taking time out of my day, it is damaging my credit score and potentially effecting me financially causing undue harm.
Product: Debt collection

There is a negative and false report of debt in my name and on my credit. Fidelity Creditor Service is claiming that I owe XXXX XXXX XXXX ( which is referred to as XXXX XXXX XXXX XXXX in court documents ). This is in regards to an apartment that was infested with toxic mold. A judge at XXXX XXXX Courthouse ruled in my favor On XX/XX/2019. Please see attached documents. 
A month later, I received a letter from Fidelity Creditor Service that I owe XXXX XXXX XXXX and to contact them if the debt wasn't accurate which I did in a signed letter on XX/XX/2019. I recieved no other notification from Fidelity Creditor Service regarding this. No follow up. It wasn't until I checked my updated credit score in XXXX that I saw they inaccurately left the debt on my record. I called the company on XX/XX/XXXX to ask for it to be removed. At first they said it couldn't be removed due to a law ( when I asked what law, he couldn't tell me ) and then they indicated there was a possibility it could. I felt as though they were playing games with me. 
I sent them a package via certified mail with all of the court documents and evidence. I am following up with this report. I notified them in the phone conversation that I would be making this report. 

This false and negative report of debt on my credit has caused my credit score to be substantially lowered.
Product: Credit reporting or other personal consumer reports

Earlier this year I noticed an error reporting on my XXXX account, and XXXX reported later, incorrectly, to the CRAs that I paid my account late. I contacted XXXX to correct this because I have been a customer of theirs for 16 years, and have always had great payment history. XXXX was so rude and did not help me. Then, I contacted the CRAs also to fix this error, but they did not either. The problem is that the status shows " paid as agreed '' but it is RED not GREEN, so when I pull my credit report it's showing a derogatory remark. This needs to be fixed ASAP! I'm so tired of contacting these companies repeatedly to fix a mistake they made. It's exhausting and I just need this corrected, because it's impacting my mental health.
Product: Checking or savings account

XXXX XXXX XXXX is a retail store that uses XXXX to process its credit cards. All of the money from sales that are made by credit cards in XXXX XXXX 's store are received by XXXX who transfers it to XXXX XXXX who is then to deposit them into XXXX XXXX 's bank account. Beginning on XX/XX/XXXX XXXX began to deposit XXXX XXXX 's funds into four different bank accounts. Can did not authenticate the four different bank change forms that XXXX received nor did they authenticate that the new accounts were owned by XXXX XXXX.The first bank account involved was XXXX XXXX  routing number XXXX account # XXXX The deposits made to XXXX XXXX are XX/XX/XXXX {$8700.00} ; XX/XX/XXXX {$7300.00} ; XX/XX/XXXX $ {$7000.00}. 
The second account was Navy Federal Credit Union routing # XXXX account # XXXX The deposits in this account are XX/XX/XXXX {$10000.00} ; XX/XX/XXXX {$36000.00} ; XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$25000.00} ; XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$17000.00}. 
The third account was XXXX XXXX  routing # XXXX account # XXXX The deposits this XXXX are on XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$21000.00} ; XXXX {$8000.00} ; XX/XX/XXXX {$9200.00} ; XX/XX/XXXX {$8600.00}. 
The fourth bank is XXXX XXXX XXXX XXXX routing # XXXX account # XXXX. The amounts are XX/XX/XXXX {$7900.00} ; XX/XX/XXXX {$7000.00} ; XX/XX/XXXX {$21000.00}. ; XX/XX/XXXX {$10000.00}. ; XX/XX/XXXX {$8800.00} ; XX/XX/XXXX {$7000.00} ; XX/XX/XXXX {$7100.00} ; XX/XX/XXXX {$8400.00} ; XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$12000.00}. 
XXXX XXXX sent letters of indemnification to all the banks except XXXX XXXX to request the return of XXXX XXXX funds. XXXX returned approximately {$59000.00}. and approximately {$75000.00}. was returned by either XXXX XXXX or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The customer reporting agency, XXXX, I asked for correct verification XXXX does not tell me who or how was this account verified this account is not reporting the date of last payment. The date of last payment would be the date of the first delinquency. The date of the last payment is not showing or reporting, which makes this account inaccurately verified. The date of the last payment would be the date of 1st delinquency. This account was not verified. Actual proof of when the last payment is needed. Date of last payment received, form of the last payment was it by check or credit card, and time is needed.
Product: Mortgage

We have automatic payment due for the XXXX of the month. They took XXXX payment on XX/XX/XXXX and we were in the negative because of it. We called to change the due for XX/XX/XXXX and every month after that. We noticed they took another payment on XX/XX/XXXX and that made it double payments put us in the minus again. We attempted several times to correct it, but they put us on hold for 30 minutes and then kicked us off the line. One of them who did that is XXXX and XXXX. All that because our loan was sold and they dont care anymore, to the point that I can not change anything on line. I have to call for everything. And out of one of these calls, I found out my loan has been sold. So far, I did not receive anything about it and who will receive the next payment. AmeriHome or XXXX.
Product: Debt collection

Company is a third party and dis not have my permission to Release my information to A collection would like it Removed off My credit report
Product: Student loan

I applied to refinance my private student loan with MEFA and was denied. The reasons for the denial are unacceptable. My credit score is XXXX. They stated that I do not meet their minimum qualifications. There is no explanation what exactly they based their decision on.. I believe they denied my application due to age discrimination.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX Balance : {$0.00}