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

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 antedates 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

This account was fraudulent, I have reached out to the business and we settled this in court. This account should be deleted.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : National credit system Account # XXXX date opened XX/XX/XXXX bal. {$11000.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2200.00}, XXXX XXXX & A Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$1600.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1500.00} XXXX XXXX. XXXX, XXXX Account # : XXXX bal. {$1100.00}, XXXX XXXX Account XXXX XXXX XX/XX/XXXX bal. {$880.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$860.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$300.00}, The XXXX XXXX  XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$240.00}, XXXX. System, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$110.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first payment on a {$22000.00} used XXXX pickup truck to XXXX XXXX XXXX was on XXXX XXXX. 
The XXXX was paid off in full on XXXX XXXX ( XXXX, XXXX early ) out of a 66 month agreement contract. 
I continued making timely monthly payments of {$400.00} per month after the first XX/XX/XXXX initial payment On XX/XX/XXXX a chapter XXXX Bankruptcy ( I initiated ) was discharged in my name. 
I continued ( missing no payments XXXX through XX/XX/XXXX when said vehicle was Paid in full to XXXX XXXX XXXX. 
I have asked XXXX XXXX XXXX several times to please report to the three Credit Reporting Agencies the vehicle is paid in full and that the XXXX account is closed. 
XXXX has refused to do this ( they have told me because there was a Bankruptcy they would not report it to the 3 Bureau 's ). 
XXXX XXXX XXXX was not damaged in any way, I never missed a payment and the vehicle was paid off in full over two years early. 
For XXXX to adversely impede my credit score by not reporting that the account has been paid in full serves no purpose, especially since they were not damaged by my Bankruptcy, they were paid off 2 years early and there were 19 months of timely payments made prior to the XXXX Bankruptcy. 
I am XXXX years old and in need of a place to live, I am told I need a credit score of at least XXXX to rent an apartment or buy a house, I currently have a credit score of XXXX. 
If XXXX XXXX XXXX reported to The three Credit reporting Agencies that the XXXX account is closed and paid in full, it will will mean the difference in getting a place to live or not. 
I am sending along with this complaint a copy of the payment history, Sincerely email :
Product: Checking or savings account

Chase Bank has withheld XXXX dollars and the only internal process to transfer it to me is not viable, so they do not give me the money and do nothing to solve it. 
The events were the following : I opened an account on XXXX, a few days later I deposited a check. 
The account was automatically blocked, I called the bank and after many questions they enabled it again. 
On XXXX the funds were enabled but after a few days the account was closed without me doing anything. 
From there I went to the bank about 5 times and called repeatedly without being able to solve the problem. 
They told me that the only way is to call the issuer of the check to verify it, but when I give them the number, which by the way they already had it in their records because they gave it to me first, they told me that that number does not pass a filter. of their systems and therefore do not communicate with the issuer of the check. 
Also on XXXX when I went to open the new account to deposit the amount, they told me that they were going to send me a new check making me wait more days, since the check did not arrive I went to the bank again and they told me that I was not going to receive a new check, that the only option was to call and that there was no way to return that money to the check issuer. They don't even want to validate it with the person issuing the check by going to the bank in person. 
The issuer of the check does not have other phone numbers, so I have no way to get my money back. 
I did not do anything wrong and I demand my money back as soon as possible and not have to go through this distressing situation and wasting time without the bank 's predisposition. 
They don't want to send me an email with information about it either.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Reappearing fraudulent collection. The bureau previously, and repeatedly removed the collection item. Apparently, it has been sold to another collection agency. This new agency has reported the item unknowing that it was removed for fraud. 
The original item notes a date in 2015. I have been in XXXX for 25 years. 
Bureaus of the USA have no authority in XXXX. 
Bureaus of the USA can only report on USA credit cards which I hold, and on historic info. 

2. The bureau refuses to assist me via telephone, or to give me a copy of the report bearing my name, because one of its agents deleted my USA mail address. 
This even though I am a registered electronic user of the bureau. They refuse to re-enter the address.. repeated here.. 

XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, Texas XXXX Additional address for reference : XXXX XXXX XXXX, XXXX, Mn XXXX
Product: Mortgage

I recently received a letter from Mr. Cooper stating that " our records show that your hazard insurance expired '' and " we plan to buy insurance for your property ''. I had paid the insurance premium ( due XXXX XX/XX/2021 ) on XXXX XX/XX/2021 and the policy has been in force continuously with the same carrier ( XXXX XXXX XXXX ) since I bought the property 10 years ago. I have uploaded proof of payment for the insurance along with the declaration page. Mr Cooper recently took over the servicing of this loan from XXXX XXXX XXXX ( who are on the mortgage clause on the policy ) at about the same time that the policy renewed so I suspect this caused confusion at Mr Cooper. That does not give them the right the threaten me with forced placed insurance as I have done everything that I was supposed to. I attempted to upload the proof of payment and declaration page to www.mycoverageinfo.com/mrcooper multiple times as requested in their letter but the website issues an " unexpected error '' - see attached screenshot.
Product: Credit card

Received a Bank of America credit card with a reward if you spend {$500.00} you get a {$250.00} XXXXXXXX XXXX XXXX  This was back in XXXX, and I spent over {$00.00} within the 90 days ' time period. Made several calls and was told because XXXX instead of XXXX of sale. they put it thru as cash advance, but it not! After several more calls were told that they see the problem, took off the cash advance fees, and I should be getting my card around the XXXX of XXXX. Calling again now saying it was a cash advance with I bought XXXX admission tickets and was told because its XXXX XXXX. I have no problem with XXXX, they put it through as a Point of Sale and told me they should not put a POS as a cash advance.
Product: Debt collection

On XX/XX/XXXX, I received ( XXXX ) Letters from Consumer Financial Protection Bureau ( cfpb ) regarding Complaint Numbers XXXX, XXXX and XXXX. 
The erroneous servicing of my mortgage loans failed to take account of my Military Status at the start of my contact XX/XX/XXXX. 
I am a XXXX Military XXXX/XXXX who temporarily lost my source of income after becoming XXXX, awaiting XXXX Separation. 
After regaining my income I furnished paid amounts to XXXX ( A Failed Bank ) and XXXX XXXX XXXX ( XXXX Supreme Court Victim of Unlawful Mortgage Practices ) and XXXX to bring my account current. 
I paid {$14000.00} down, with installments of {$3100.00}, {$3100.00}, {$2900.00}, {$2900.00} and {$2900.00}. 
I furnished documentation and findings from U.S. Department of Labor, Office of XXXX Adjudication and Review, OPM XXXX Retirement Specialist, Department of Veteran 's Affairs and XXXX County Appraisal District and IRS regarding my Application/Approval for Residence Homestead Exemption. 
XXXX furnished me with a letter of servicing my mortgage along with a foreclosure Letter. 
My request for Modification was Prepared and Submitted via XXXX XXXX XXXX XXXX. Government Approved Programs Making Homes Affordable. 
I proceeded to Re-instate my mortgage with XXXX by paying ( 6 ) Payments of {$1800.00} for a total of {$10000.00}. 
XXXX disregarded the Rear payments and proceeded to change my entire contract to include Advance Property Taxes of which I am exempted. 
The Letter from XXXX ( Office of the Consumer Ombudsman ) seems to be unaware and fail to provide the documentation. 
Now my mortgage is being passed on to a XXXX mortgage company/debt collector to include the on-going errors. 
I have submitted copies of these documents on several occasions as you can finally see the overall finality and the unjust hardship caused by the type of servicing received. 
My unpaid amount at the time of my request was {$190.00} which has been re-recorded at an amount in excess of my Purchase Price. 
I feel this is a slap in the face for my contribution and service to my country. 
I submitted this information to the Office of my Commander-In-Chief for accountability and resolution. 
T/Y!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against them, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian & XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as their inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus requiring unsecure method to freeze reports of dependent minor. 

Members of my family were impacted by the XXXX data breach. We've frozen records for adults but our children ( minors ) are the issue. To freeze the reports of my children, all credit bureaus require us to mail them ( in a single envelope ) copies of their social security cards and birth certificates ( plus additional info ). To say that is a tremendous security risk would be an understatement as we are placing two of the most critical documents used for identify theft together and sending it through the mail. 

I find this unacceptable as the ONLY means to freeze their reports and believe others will have the same concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the XXXX data breach, I was informed and have verified my info was used fraudulantly. 
I had sent and called to the credit bureaus to ask that the addresses to removed because they are not my residence., XXXX XXXX XXXX XXXX XXXX XXXX a business building and XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX a XXXX XXXX according to XXXX XXXX. 
I was told by XXXX they don't do investigations and wouldn't help. 
15 USC SEC 1681 ( i ) statess that I have rights to dispute and that the credit bureaus do an investigations and all info should be accurate and verifiable.

I believe my rights have been violated.

I am requesting the erroneous ccounts be deleted for I have never lived at those addresses or have knowledge of theses accounts. 
I have enclosed my FTC ID Theft Affidavit along with my XXXX settlemnt Claim # for proof. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 

XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted American Express to close my credit card in XX/XX/XXXX. I did not realize the card that required a complete payment of the balance each month. I was laid off from my job and this became difficult. I reached out to AE numerous times to ask for a payment plan and was rejected, so I requested the card be closed and I informed them that I would still pay on it. The card was not actually closed until XX/XX/XXXX. However, AE still was charging me a monthly late fee of {$38.00}. The late fees should not have been charged on a closed account. I requested the account to be closed in XX/XX/XXXX. 

AE also keeps updating my credit to show that I am recently 30-plus days late, which is entirely untrue. I feel they are purposely trying to sabotage my credit, as each time they update this account my credit score significantly drops. 

I have disputed this falsely reported account numerous times through the credit bureaus and AE always verifies the information as inaccurate. They fraudulently charged me late fees, are intentionally sabotaging my credit, and refuse to report the accurate amount owed. 

I obtained an American Express card because I was under the impression that their customer service was top-notch and my experiences here have been very disappointing. 

I have attached a statement from XX/XX/XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

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. 
Account name : XXXXXXXX XXXX XXXX Account Ending : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 antedates 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, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the fair credit reporting act XXXX account XXXX XXXX has violated my rights.

15USC 1666b : a creditor may not treat payment on a credit card account under an open-end consumer credit plan as late fee purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUPPLIED PROOF UNDER THE DOCTRINEOF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. Also, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. In addition, my information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fedloan zeroed out the balance owed and transferred this account because their contract was up with the XXXX XXXX XXXX. In the interim a class action law suit was in the final settlement approval stage. This account no longer exists in the eyes of the court. See attached.
Product: Debt collection

Pleased revise my personal documents that I have like a certified FRAUD EXAMINER AFFIDAVIT .Qualified written request findings securitization audit report voluntary liens report ; That I have I request for a proof off claim ton XXXX AND XXXX XXXX ( XXXX XXXX ) An never give to me this proof of claim. 
Conclusion of the report that I have is : XXXX XXXX XXXX XXXX DOES NOT have standing to foreclose on the subject property as it not the holder in due course of the subject loan. According to the PSA which created the trust which currently owns the loan. The only possible holder in due course is XXXX XXXX XXXX XXXX XXXX as trustee for the XXXX XXXX mortgage 's LOAN trust XXXX.Howewere, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX   XXXX XXXX THEIR OWN SECURITIZATION TRUS DOCUMENTS. Therefore, XXXX XXXX XXXX XXXX XXXX LOST ITS INTEREST IN THE SUBJECT PROPRTY and its right to foreclosure by violating its own PSA.GIVING BOTH THE HOMEOWNER AND THE XXXX investor cause of action for fraud. 

I Have a proof with serious documents that certified this and Certified Fraud Examiner Affidavit. I'm looking for help to save my home. I was looking in my credit and all data about my Mortgages is not there I tray to negotiated with the people but they transfer to Loan care Servicing and I send 26 Modification to them but they only denied now I send this to your department because I what to enforce that the send me a PROOF CLAIM AND SHOW ME A REAL DOCUMENTS. PLEASE SEND ME AND EMAIL I CAN SEND TO YOU ALL MY PROOF AND LEGAL PROOF OF WHAT I DISPUTED. 
THANKS FOR YOU HELP! 
Thanks for your valuable help! 
XXXX XXXX XXXX direct number ( XXXX ) XXXX I hope you can help me whit this matter