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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report. within four business days, pursuant to section 605C of the fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I called XXXX and the representative XXXX instructed me on how to access my credit report online. 
After accessing my credit report I saw some inaccurate information. I saw that an unbeknownst company name Mohela on my credit report. On top of that I noticed that this company was reporting that I owe {$60000.00} ; upon further review I noticed that the amount payment monthly is reporting XXXX dollars. How can I owe a company {$60000.00} in balance, but nothing monthly? Thats an oxymoron. After making the representative aware of the inaccuracy, he proceeded to tell me that the item needed to be disputed. However, under federal law, if a company is reporting an accurate information XXXX can be monetarily liable for this violation to consumer rights. Also, upon viewing my credit report, I noticed that XXXX is reporting late payments. Under federal law, a credit account can not be associated as being late. I asked the representative if he is familiar with consumer law and the fines for violating those laws, and he continued to tell me that the account is under dispute already, and can not be further disputed. I will be looking for monetary compensation for the time that my credit profile has been compromised. I have already report to ftc.gov as fraudulent use of my credit report. These credit accounts and the Credit reporting agencies have violated consumer rights in a way that damaged my reputation and credit score for over a number of two years. Loss of Privacy : Violations of consumer privacy, such as the unauthorized data collection, breaches of use of personal information for purposes of deceptive practices. Time and Effort : The time and effort required to resolve issues related to consumer rights violations was a significant inconvenience and injury to the consumer. Opportunity Costs : I the consumer missed out on better deals and opportunities due to unfair practices
Product: Checking or savings account

On XX/XX/XXXX, at XXXXXXXX XXXX, I deposited 2 money orders made out to me for {$1000.00} each, at a Bank of America ATM location on XXXX XXXX XXXX in XXXX, MA XXXX. I also deposited a check from XXXX XXXX  drawn on a checking account that is also in my name, for the amount of {$1300.00}! The deposited total was {$3300.00}. 
Bank of America customer service representatives are telling me that for reasons unknown the funds will be available on XX/XX/XXXX. I called Bank of America 's customer service and they stated that they were placing a hold on the funds in order to " protect me! '' Protect me from what?? I also drove to their XXXX XXXX branch located XXXX XXXX XXXX and spoke to a gentleman by the name of XXXX who was unable to tell me what if anything was the problem before sending me on my way. I have been depositing money orders for years in the same account, so why are they having an issue now? I have had direct deposit for approximately 7 years. I have been a customer of the Bank of America since XXXX, so it's definitely not a new account. I haven't been overdrawn or bounced any checks in over 10 years!! The deposit is well below the {$5000.00} that's used as a guideline to place a hold on funds by Bank of America. There is no reason to believe that the money orders or the check deposited is in any way shape or form uncollectable! I deposited the money orders and check so that I could pay my bills, so for Bank of America to place a hold on these items for no apparent reason, is totally unacceptable on their part!!
Product: Credit reporting, credit repair services, or other personal consumer reports

UPON REVIEWING MY CREDIT REPORT I HAVE NOTICED INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THESE INQUIRIES DO NOT BELONG TO ME. 
XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 1 derogatory account on my credit report with no creditor listed. I am unable to send out a validation request because I am unaware who is reporting the account or if the account belong to me. I have sent over 4 dispute letters since XX/XX/2020 to Equifax asking them to investigate the account and I have yet to receive a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT # XXXX To whom it may concern I received a copy of my credit reports from EQUIFAX and noticed a COLLECTION that you are continuously reporting to my credit report unlawfully. First off, thiss debt you are attempting to collect is past the statute of limitations in my state. 2ndly, According to the Fair Debt Credit Reporting Act, the Fair Credit Reporting Act, and the CFPB your company is in clear violation of the law. The law clearly states that under these statutes certain provisions must be met before reporting to the Consumers credit report. Below are the statutes that your company is deliberately violating : 15 USC 1666 ( b ) : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 USC 1681 ( b ) ( 2 ) : PERMISSIBLE PURPOSE OF CONSUMER REPORT ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 USC 1681a ( 2 ) ( a ) ( i ) EXCLUSIONS FROM A CONSUMERS CREDIT REPORT a ) ( 2 ) Exclusions. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information is not communicated among such persons. 

Did I give your company written permission or instructions to furnish this account on my credit report? If so, please provide the proper documentation with my signature giving your company permission/consent to furnish my personal experiences and transaction history on my Credit Report. If no such item exists You are bound by law to remove the late payment status from my credit report and update my profile IMMEDIATELY. 

Furthermore, I have disputed this directly with XXXX, XXXX, and XXXX three times already to no avail. Due to the blatant disregard of State and Federal laws as well as the WILLFUL NONCOMPLIANCE, XXXX has caused me unnecessary XXXX, XXXX, and XXXX. I am requesting that the above-mentioned late payment for ( XX/XX/2017 ) be removed from my credit profile IMMEDIATELY! Failure to respond satisfactorily with the deletion of the late payment will result in Legal actions being taken against your company for the following : 1. DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTION PRACTICES ACT 4. FAIR CREDIT REPORTING ACT Sincerely, XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect
Product: Credit card or prepaid card

I routed money to the card, once money was deposited to the card the company place a hold on the funds and a freeze limiting the normal uses usually available for the average card user. This is the second time that the company has taken such measures for the same reason ; reason being suspicious activity in which there is no logical suspicious activity. I presented the company with the name of the sender, the reason the money was sent to the card, my identification documents, and identifying documents for the payment method used. The company remains unresponsive and initial gave no fair reasons as to why such methods was placed. These actions are unfounded and unreasonable.
Product: Mortgage

I 've been for more than one year now in loss mitigation process initially through Doral Bank ( XX/XX/XXXX ) and after Doral Bank takeover, now with Banco Popular de PR, with no results nor alternatives for my situation. The original Loan was made through Doral Bank ( Loan # XXXX ) in XX/XX/XXXX and currently handled by Banco Popular de Puerto Rico ( Loan # XXXX ) since Doral Bank 's takeover. Therefore Banco Popular is presently Servicing Mortgage Loan # XXXX, as servicer for XXXX XXXX Bank, NA. At the same time I was in the Loss Mitigation Process I was sued and summoned for foreclosure by Banco Popular de PR. As Banco Popular explained to Mediation Court, they work both processes simultaneously. Also Banco Popular informed at the Court, that they can not provide any alternatives for my case because XXXX XXXX does n't provide any alternatives for Loan modifications or Deed in Lieu for XXXX XXXX area. Therefore I wrote a letter to XXXX XXXX directly because I want to confirm that XXXX XXXX does n't offer any Loan modification alternatives for XXXX XXXX as it does in the XXXX. I contacted by email XXXX XXXX XXXX XXXX, ( XXXXXXXXXXXX ) about my case and proposed XXXX alternatives but as of today I do n't have any answers. I decided to contact XXXX XXXX directly because the servicer, Banco Popular, has been erratic and uncoordinated and never presented formally options and/or alternatives. As of today I 've never received any written decisions on my case although I 've been constantly supplying and updating requested forms and documents. Now that I 've been in court for the last four months, Banco Popular informs the mediation court that XXXX XXXX do n't offer Loan modification alternatives. I 've been trying to sell or rent the property for the last XXXX years through Realtors with no success. Loss mitigation has appraised my property in XXXX different occasions ( every six months ) but I 've never received any information about the property value. Realtor 's inform me that comparable sales in my area are very far under my outstanding balance, due to the high increased in real estate owned properties in my neighborhood. I proposed a Deed in Lieu or a Loan modification increasing my term to 30 years ( presently I owe 14 years ) reducing my monthly interest at 6.5 % and forbearance in balance in arrears, but unfortunately Banco Popular informs the court they can not help me because of XXXX XXXX.
Product: Debt collection

I was lookin at my report and notice I have few fraudulent accounts on my report I need them to delete from my record its affecting me to be able to apply for credit please delete immediately
Product: Credit card or prepaid card

One of my relatives has my Bank of America credit card account number and uses it on his XXXX account. There are numerous XXXX charges on my credit card statement for purchases made by this relative. I have had Bank of America issue me a replacement card with a new account number but the charges continue because it is Bank of America 's policy to give the new account number to recurring charges like XXXX. I contacted XXXX and asked them to remove my credit card ( which is in my name ) and they refused because they said only the XXXX account holder can delete a method of payment. I contacted Bank of America and they told me that if I have them issue me a replacement card with a new account number, they are going to give it to XXXX again. I do not want to close my Bank of America credit card account because I have a very low interest rate on the card.
Product: Vehicle loan or lease

I was not aware of this loan and I would like proof of this loan which I assume isnt plausible Id like this fraudulent account removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Website does not allow you to upload supporting documentation into the dispute section, it deliberately will kick you out of the website before you have a chance to upload. This is Fraud and Racketeering is what they are doing. It needs to stop. They are affecting millions of families and their credit with their anti-trust violations that they repeatedly keep getting away with. They are reporting false information on my personal report, and refuse to allow me to dispute this. Along with XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern. Accounts XXXX  XXXX XXXX XXXX {$1400.00} midland credit management {$630.00} midland credit management {$690.00} XXXX XXXX XXXX  {$2900.00} I have received a copy of my credit report. To my surprise you are reporting this accounts incorrectly. This collection accounts are reporting not only open but also show past due balances. According to FCRA I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. Sincerely XXXX XXXX
Product: Credit card

XXXX XXXX XXXX acct, td bank should be deleted as they were paid in full over XXXX years ago and XXXX years ago charged off acct was a fraud acct and XXXX acct/XXXX was never late as they were ordered to change due date to the XXXX they took XXXX months to do that as the payments were made before the XXXX and XXXX acct was paid and closed over XXXX years ago never late delete this acct
Product: Checking or savings account

Multiple times over the summer of XXXX, my savings account would lock. I would call in and send in personal information verifying my identity. It would be fixed for a few days or weeks. Then, the account would then be locked again and after calling in XXXX times, a representative said that my account would have to be closed. A month goes by and it's still opened but locked. I am unable to get a straight answer by anyone I call. Multiple representatives have said a manager needs to look at my account to answer my questions but this manager is never working at the time I call. I requested an email address and sent an email on XX/XX/XXXX and received an auto-reply saying responses would take XXXX business days. I have never received a response to my questions/complaints.
Product: Debt collection

I have contacted Ability Recovery Services several times about reporting incorrect information to my XXXX, XXXX, and XXXX credit report. According to The State of Mississippi this company is not licensed to do business here in this state. This company has been fradualently reporting false information to my credit bureau files and refuse to correct and do harm to me. My name is XXXX XXXX. This account is listed as XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, title XXXX, XXXX ( b ) ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. )
Product: Credit reporting or other personal consumer reports

I am having significant issues with Experian to freeze my account. After I set up my account with the basics ( name, XXXX, username/password ), the website brought up a screen that said : " We're having trouble verifying your identity. Please call XXXX for assistance. '' When I called that number, there is no way to reach a human being and no way to help set up the account. Saying things like " technical support, '' " website assistance, '' " representative, '' etc. -- or even pressing " XXXX '' results in a recording saying that it can only transfer people in limited circumstances and to try the self-service options. The self-service options are very limited, and none are what I need. Nor can I find any further information on the website. I finally resorted to putting a complaint on Experian 's XXXX page, where there were a number of other complaints under a recent post, and " someone '' said to private message them. I prefer not to use XXXX to resolve these sorts of issues. 

More importantly, with Experian being one of three credit reporting agencies that are used to establish and track a person 's credit -- and assist when security breaches are rampant, such as RIGHT NOW -- a company such as this should be OBLIGATED to have a system in operation to help consumers PROTECT THEIR CREDIT REPORTS AND SCORES. 

Please assist in this matter. While searching for work-arounds, I see there have been numerous issues with Experian with this exact problem, stemming back to at least the beginning of this year. Please do not force me to start contacting my federal representatives in this matter. 

Thank you.
Product: Debt collection

When I was 1st contacted I was told this account was for a type of wireless internet router that a person could travel with. I never opened this account nor did I give anyone permission nor do I know who opened this account. I have informed XXXX of this and have informed the collection agency in writing with no results. I have never had any need personal or work related for this type of equipment. Being that I did not open this account, I feel I am not responsible for paying for it and will not do so. I always pay for all credit accounts that are mine in full yes I have made late payments in my life but still paid what I owed.
Product: Mortgage

For the second tax cycle since purchasing the house in XXXX 2015, Seneca has failed to fully pay the taxes owed to the XXXX of XXXX XXXX. Please see CFPB Case number : XXXX for additional background. 

In the last cycle, though I contacted them frequently, six months elapsed and the Town threatened to put a lien on the house, sell it, and garnish our wages, in addition to other options. Seneca is now repeating this behavior. I have been calling them since XX/XX/XXXX and have re-provided all types of documentation to help them with their research. But each time I call all I get is a response saying they are still researching. I even provided the name of a contact in the Town 's tax department who would walk them through everything and they failed to contact him for a month. 

I request your assistance in bringing timely resolution to this matter. I am happy to provide additional information, such as account numbers and tax bills, at your request.
Product: Credit reporting, credit repair services, or other personal consumer reports

, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), they may be liable for false reporting. I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. 
Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Transunion credit report it shows also know as XXXX, XXXX, XXXX, XXXX not me. 

It show Employer XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Have never worked for them Have worked for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX Have never lived at XXXX XXXX XXXX XXXX XXXX UT XXXX