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

Requesting written instructions and power of authority and/or power of attorney to destroy the credit score/history reputation without consent and without the due process of law. Please see the attached file for the complete explanation and for the remedy. 
( 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1692d ( 1 ), 15 USC 1681 ( a ) ( 1 ), 5th Amendment, 18 U.S. Code 242, and 18 U.S. Code 112 ).

You also violated 42 U.S. Code 408 ( 8 ), 42 U.S. Code 3617, 18 U.S. Code 1038, 18 USC 1342 ( for assuming the XXXX  name is the living man ), and 18 U.S. Code 1962 [ RICO ] ( 1028 )
Product: Student loan

I was going to XXXX school in XX/XX/89, and they took all the monies, one day we went and the next day after we gave the monies to the school they were closed, I never finished school, I am on a fixed income and now they are taking it out of my Social security they has been 27 years I have called repeal times about this and I asked because the school closed and I could never finished I was a single mother of XXXX kids and I had to work, I would like to see if they will Reduce the loan amount or even cancel. I am XXXX please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am seeking help, my rights have be violated as per 809.Validation of debts Credit Reporting Act ( FCRA ) XXXX 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B ) by XXXX  & XXXX  regarding the reporting by Second Round LLC. I sent a letter of validation in response to the letter notice of payment by Second Round LLC. XXXX  & XXXX  has NOT conducted a proper investigation. XXXX  & XXXX  failed to properly respond to my letter with specific request for method of validation and has since now to put erroneous and inaccurate information on my credit report. Second round LLC has failed to report to XXXX  that this matter is in dispute prior adding it onto my credit report and by law can not pursue any credit reporting agency until the matter is resolved. XXXX  / XXXX  & Second round LLC has not legally validated this debt as per required by theFair Debt Collection Practice Act ( FDCPA ) 809 ( B ). A credit card statement is not a legal validation of debt as It is Not A CONTRACT. Second Round LLC has failed to produce any contract or ownership or legal assignment / transfer and or legal affidavit purchase of the debt. XXXX & XXXX  failed to properly obtain any such agreement in its investigation while clamming the account was verified by a " Statement page '' Reporting it as actual fact. Seeking Interest of fees without a contract is a violation of the FDCPA. Reporting inaccurate information is a violation as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX DOB XX/XX/XXXX SS # XXXX my loan # is XXXX experian late reporting XX/XX/XXXX &  XX/XX/XXXX 60 days late XX/XX/XXXX & XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late XXXX XX/XX/XXXX 120 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 120 & 60 days late XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late
Product: Debt collection

Midland Credit Management ( MCM ) was authorised to take {$25.00} out of my account, starting XX/XX/XXXX-XX/XX/XXXX. Instead of just 3 months, someone put in 23 months of payments. MCM continued to take {$25.00} out of my account each month for the next nine months without authorisation! Without my knowledge! ( I wasnt getting any statements in mail ) Im not a person that usually checks my bank statements & that was my XXXX XXXX resolution to become financially fit. Accounting for every penny that I spend. Ive been talking with the MCM since XXXX, ( on a weekly basis, or more ) trying to resolve this issue & get back to {$220.00}. With no progress, till last week. XXXX XXXX ; Management of MCM authorise a refund for {$220.00} said, Money would be back in my account within five days. Today is XXXX XXXX ; I called the company again today before filing my complaint. I set up for payments ( my bills ) to be taken out of my account today, the company had said that my money would be there by Wednesday, XX/XX/XXXX. Now I have NSF charges & the amount of $ XXXX {$220.00} they still owe me for the refund for a grand total of {$490.00}! The company today had to say today, Well it takes time for the money to go back into your account! Today was 9 days. MCM says today, It could take up to 20 days. They just keep jerking me around! I dont think I will ever see my money & now I owe more than what they owe me because of their lies. I did tell them I was reporting them to the XXXX  & FTC.
Product: Vehicle loan or lease

On XXXX I walked into XXXX XXXX of XXXX and walked out with a brand new XXXX XXXX XXXX. 

On XXXX I was called back in to resign a whole new contract, lowering my total and monthly amount. 

On XXXX I was called back in again to try and add a co buyer or return the car. So I brought my brother in law with me to apply, he did, but was denied. They then told me I needed to empty my car out and return it to them. Ca state law says that after 10 days they become my lender, well they dont want to lend to me so the salesman reached in my car and took my keys out of the ignition and kept it from me. I was also told that if I left the premises with their property that they would call the cops on me. Which they did not, because when my spare was brought to me, I left with the car and no cops were called. 

On XXXX my first car payment was due. They would not provide me with an account number and never sent me a welcome letter with any info on how to make payments and where to make them to, so I made two money orders ( which I still have ) and took them down to the dealership, they denied my payment and said Id be receiving something in the mail from their business department, which I did not. 

On XXXX I took my car to XXXX to get a routine maintenance oil change, when I should be able to take it to the dealership to get it for free, but they bullied me so bad, that I was scared to take my car down there and leave it with them because then they could say I just surrendered it. 

On XXXX my car was repossessed from my apartment complex in the middle of the night. Leaving me with no way to work or make money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from XXXX XXXX. The vehicle at fault ran a stop sign and drove straight onto my XXXX XXXX. I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from XXXX XXXX I had financed the loan for 75 months and ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.
Product: Debt collection

A company called XXXX XXXX offered to install gutters at my home and never completed the work. They disappeared on me and I have not been able to contact them. The financing company Aqua Finance is saying they can not get in contact with them and they don't have any contract for me on file but reporting to the credit bureaus that I owe them a balance for work that was never completed.
Product: Debt collection

American capital enterprises, XXXX XXXX XXXX, XXXX, XXXX, ca XXXX. phone, XXXX. The company states that this collection belong to me, which it is not accurate, please advice XXXX credit report to delete this collection from my account, my report number with XXXX is XXXX.
Product: Credit card or prepaid card

Response information contained in now closed complaint case # XXXX is incorrect and misleading as to what actually occurred. As identified in the Citi response, the e-mail address is different, thus NEVER received ANY notification until letter mailed weeks later. I have never had an alternative e-mail address and confirmed that in last 20 years, have never received correspondence, with the exception of complaint response, from Citi. Citi also notes that an additional payment was made on XX/XX/XXXX. A consumer can NOT be held responsible for the programed inability of banking software system to void ( or even flag ) the incorrect transaction immediately after submitting and immediately contacting customer service. The 3 banks accounts were NOT deleted online, but instead the single default account by a Citi customer service representative. The payment was NOT late and processed prior to XX/XX/XXXX account closure date. Again, the inability of Citi software system can NOT be the responsibility of the consumer. Suggest formal investigation be opened into Citi 's predatory practices experienced in this complaint.
Product: Checking or savings account

My paycheck was supposed to be deposited into my account on XX/XX/XXXX. The funds were deposited into Capital One by my employer. They have not been dispersed, as of XXXX XX/XX/XXXX. I have received no communication or explanation. I have sat on hold twice for over an hour each and been hung up on each time. This has caused major problems for me. I am in the process of purchasing a home and unable to meet my financial obligations. My family of XXXX has {$54.00} to last the weekend.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not properly reporting my balance for my XXXX XXXX credit card account also they are not reporting the correct credit score to XXXX XXXX my credit score is XXXX and they are reporting XXXX. And my balance on my credit card is XXXX Also I have been trying to get a credit limit increase from XXXX XXXX on my credit card and because Experian isnt reporting the correct credit score to them I keep getting denied. I want my correct credit score sent to XXXX XXXX and I want XXXX XXXX to increase my credit limit as much as possible hopefully to XXXX or XXXX please
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered multiple unauthorized hard inquiries that I did not approve. These inquiries are fraudulent and negatively impact my credit score. 

The following unauthorized inquiries were made on my credit report : 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 XXXXXX/XX/XXXX ) Under the Fair Credit Reporting Act ( FCRA ), a company must have my explicit authorization to access my credit report. Since I did not provide consent for these inquiries, they must be removed immediately. 

I have already disputed these inquiries with the credit bureaus, but I am filing this complaint to ensure that my rights are protected and the fraudulent inquiries are deleted. Please investigate and remove these inquiries from my credit report as soon as possible.
Product: Mortgage

On XX/XX/2020 I have applied and approved from Shellpoint Mortgage Services for the forbearance Plan on my mortgage accounts due to Covid 19 pandemic. During the forbearance plans Shellpoint Mortgage Services kept billing me for the late fees, service fees and reported negative credit on my accounts. I have sent request to management to remove but the problem was not sold. I would like to make complain and request to be waived on my late fees, service fees and negative credits on my account as the attached for details.
Product: Debt collection

XXXX Bank has contentiously made negative marks on my credit account in regards to a account they no longer own. They have already stated in letter they gave account to Northstar Location Services a debt collection agency. When the debt was handled they reopened account and attempted to again charge me. I never gave them written or verbal permission to share my information with Northstar Location Services. They have errased all previews history of any payments and are attempting to collect inflated amount. When disputing they charge account more to further hurt score. Once they relinquished debt to Northstar Location Services they gave up rights to collect debt. In a attempt to pressure consumer they have contacted family at XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX and Also the new address of parents at XXXX XXXX. The have made gaining any credit impossible for 4 years as they continue to mark account as over limit. They again marked account as over limit this morning.
Product: Debt collection

Midland credit management is falsifying I owe XXXX for credit card bill. I had no knowledge of this debt until it was on my credit report. I tried to explain to multiple representatives when I lived in a family household someone may have used my information. I asked midline multiple times for a signed contract with my original signature, a IP address to pin point where/ when this account was setup. Still they have not produced any documents with my signature as proof. Requested this fraud entry to be removed so I do not have a pursue legal action against Midland credit management
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

We purchased over XXXX in gift cards in last 3 years, and now, after we gave a few out they seem to have already been used. American Express issued them, but now they tell me I have to first find every fraudulent transaction on each individual card, and then contact each merchant and dispute the individually charges with them. 
These cards never left the envelope they came in, but I hope there is a more efficient method to resolve this as I do not have enough time to call that many merchants.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX are allowing XXXX XXXX of XXXX XXXX XXXX, UT XXXX and XXXX of XXXX, DE XXXX to have been making attempts to collect a debt which has not been validated ( 15 USC 1692q ), I have not given consent to furnish any information on my credit reports ( 15 USC 1681a2 ), as well as reporting inaccurate information puts them in violation of 15 USC 1681i ( 5 ). I would like communication from these companies to cease and desist, and I would like this inaccurate information removed from all of my 3 credit reports immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Approximately XX/XX/XXXX an American Express account was fraudulently opened in my name. Approximately XX/XX/XXXX I filed FTC Identity Theft Report and XXXX XXXX Sheriff Identity Theft Report. Both reports were sent to American Express and all 3 credit bureaus ( XXXX, XXXX, XXXX ). The  fraudulent account was investigated and removed from all 3 credit bureaus. However American Express has refused to recognize the fraudulent account in my name as identity theft. I have been receiving multiple debt collection phone calls & corresspondence for the fraudulent Amex account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted A complaint with this company back in XXXX. They responded to the complaint stating I insurance A XXXX XXXX and A XXXX XXXX  which is incorrect. As stated prior I have NEVER had insurance with progressive insurance and these vehicles where not mine as I was A victim of identity theft which is a ongoing matter TODAY. This company ASSUMED these fraudulent accounts belonged to me when I am In data base showing as A ID fraud victim. H They have knowiny broken multple laws and violated my rights as A consumer. They failed to validate the debt within 30 days and although in the last complaint they said they would send validation they sent what would be considered in court as verification. They sent A billing statement which in no way shows I opened this fraudulent account. Again, I am requesting all credit reporting be removed and I will be moving forward with civil court to address this business as A whole. I have made it clear this account did not belong to me, Ive also never recieved debt validation nor do they have any proof that this account was indeed opened by me. When i spoke to progressive I was told the accounts where open online and they where unsure who opened the account and I have that on recording to play in court. This company will be sued if they fell to remove all of this inaccurate reporting ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX XXXXXXXX XXXX Bank is reporting me as 30 days past due in XX/XX/2022. Not only have I not been 30 days past due, I usually past ahead. I have discussed this with the Vice President as well as the credit reporting officer and they refuse to remove the past due reporting even though I have proven to them that I was not past due. This has caused an over XXXX point drop in my credit score and it is fraudulent reporting.
Product: Money transfer, virtual currency, or money service

Yesterday I received my weekly payment on the Airtm platform and when I made the transfer to my account, the platform withheld my money, until today I have not been able to recover it, it does not have a technical support area to solve the problem, they are not giving me options and they ignore me, they do not return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint through the CFPB regarding accounts on my credit that were not mine. There are still accounts that said was verified that it belongs to me and that is not a true statement. I demand proof that these accounts are verified as mine with signatures and agreements. I have been wrongfully denied credit for this unacceptable mishap on the credit bureau for reporting this incorrect information. Please have the follow items removed from my credit report immediately or I will have no other choice but to seek legal advice. I have tried all I know to resolve this. The accounts that are not mine are : Equifax : 1. XXXX XXXX/XXXX  XXXX XXXX  Account Number:XXXX 2.XXXX/XXXX  Account Number : XXXX 3.XXXX XXXX Account Number:XXXX XXXX  : 1.XXXX XXXX XXXX  Account Number : XXXX 2.XXXX XXXX   Account Number:XXXX 3.Chapter XXXX bankruptcy dismissed ( Which was removed from XXXX and Equifax so please prove to me how XXXX can say several bankruptices are mine and the were removed by the other two bureaus ). I have never filed for bankruptcies. 

Please have all these items removed from my credit report immediately.
Product: Debt collection

They contacted my cousin about a debt I dont know about and made it seem as if I was a fugitive
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.