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

My ex wife and I were victims of predatory lending in XX/XX/XXXX with XXXX Bank. Divorced in XX/XX/XXXX. She deeded the home to me in XX/XX/XXXX. Unable to pay on my own I was almost in foreclosure XXXX. The home was upside down in value. I finally modified ( XXXX ) the home in my own name in XX/XX/XXXX. New servicer (  XXXX ) came in at the end of XXXX putting my ex wife back on the note. I finally had to stop paying since the new servicer refused to take my ex of the note. When the old servicer agree to take her name off. XX/XX/XXXX I had no choice to take the servicer & trust ( XXXX ) to XXXX XXXX  court. Upon further research after filing summons & complaints, I've come to find out that the mortgage has been paid in full by XXXX PMI insurance. This means that the servicer is now trying to double collect. I have a quite title on my property. Of course I am running out of funds fighting against the big banks. XXXX has already been awarded by XXXX XXXX Court against XXXXXXXX XXXX XXXX  XXXX XXXX the end of XXXX for over a XXXX dollars. In turn my ex wife has taken me to court for contempt over the same issue. My lawyers bill are surmounting! I have tried to refinance but the derogatory remark is still on XXXX of my credit reports.
Product: Credit reporting or other personal consumer reports

Equifax has violated my right to privacy and reported a bankruptcy on my credit report. I spoke to XXXX XXXX from the court who stated they do. It report bankruptcy and that XXXX XXXX buys them. I reached out to them and they sent me a letter saying they could verify. Please remove immediately
Product: Money transfer, virtual currency, or money service

There are transactions that I didnt do and someone hack my cash app and did bitcoin over {$900.00}
Product: Credit reporting or other personal consumer reports

I have over 10 inquiries that I did not approve of that are on my credit report and I want them deleted.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX 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 XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2018 Hunter Warfield a collection agency called my mom who is a co signer for a leased apartment about a debt that I owe them. They violated several articles of the Federal Debt Collection Practices Act ( FDCPA ).

1. They called a house number that was never given to them and spoke to my moms estranged husband ( third party ) and the gave him personal information about this debt. His name is no where on the account and has not been given permission by my mom or myself to discuss this account as they are separated.

2. I've already set up an agreement for payment to the account and asked them to no longer call my mom on this account. My mom is elderly and they called her with threats and scare tactics in order to get a full payment out of her at that moment.

3. They threaten they would put a lease on her house which she no longer lives in because she is estranged from her husband 4. They told her she will never be able to lease or get another place to stay.

5. They told her interest and fees where being added daily and that the longer its not paid that it will cost more. And that the debt is edging up towards {$6000.00} ( false I was told {$5600.00} ) FDCPA clearly states that a collector can not misrepresent the amount. And that they can not add interest or fees not added in the original agreement. I signed a lease with a apartment complex not with Hunter warfield.

They used abusive language towards my mom trying to scare her into giving up her money and use the threat of taking a lien on her house to scare her even more.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. In accordance to 15 USC 1681 section 602, It states that i have the rights to privacy it also states in section 604-A section 2 consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666-B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late on an account for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to open business account with my credit union to get my PPP funding and XXXX XXXX XXXX has incorrect information reporting to Chex systems as fraud/acct closed/ nothing paid showing to chex systems. I contacted XXXX and there system does not show any of this. XXXX says there system shows closed account nothing owed upon closing. They even have record of them sending out XXXX cent refund. They tell me they do not see what chex system says is showing and no way for anyone to generate any letter to chex systems because the system does not show any negative balances due. 

Finally talked with risk manager at XXXX who said well send in a copy of chex system reports and go from there. I tried calling XXXX risk/recovery depts for fax or email to send paperwork too and all says fax has to come from institution. I go into XXXX  location and have them fax. I went into XXXX and the reps faxed copy of XXXX balance due paperwork to chex systems then I asked for them to fax copy to their risk and or reocovery depts to be updated with what is going on as stated in above paragraph. 

They proceeded to call the depts to get fax number and both depts gave XXXX admin run around like I had been getting back and forth to each dept stating this dept has to handle this, in the end XXXX admin had both depts on line together as they spoke and no one had a fax number that paperwork could be sent too. they stated that they were working from home and no fax to give. 

one did provide a address for mailing paperwork to Florida ; however, My loan money is being held at another institution I'm at risk of losing my home and need resolution asap before my funds are returned and i can not get another ppp loan and my family and I will be out on the streets. 

I am even trying to open business acct with XXXX so hopefully they can see their own mistake if they too use chex systems to determines eligibility of getting business acct opened at this moment I am at a dead end and need help sent out to higher up heads within XXXX institution. having trouble getting paperwork to XXXX to get Chex systems updated. chex systems will not remove unless they here from XXXX. XXXX says nothing to update, yet the consumer is losing due to XXXX error Consumer is suffering, Consumer will homeless on the streets of Michigan.
Product: Mortgage

We have a mortgage through NewRez. They acquired our mortgage on XX/XX/XXXX. Our taxes were due on XX/XX/XXXX and we have more than enough in our Escrow Account to cover the taxes due. NewRez failed to pay our taxes on XX/XX/XXXX. On XX/XX/XXXX, we received a Delinquent Notice from XXXX County TX stating that our taxes had not been paid. We called NewRez on XX/XX/XXXX to notify them and sent a copy of the delinquent notice by email. The lady who answered the phone stated that she was not in the Loan Servicing Department but someone from that Department would be in contact with us once they got the email. She stated over the phone that they received the email and we got an automated response by email stating that the email was received. On XX/XX/XXXX, we got a Delinquent Notice from XXXX XXXX XXXX XXXX also stating that our taxes were not paid. On XX/XX/XXXX, a follow up email was sent to NewRez with a copy of both delinquent notices attached and a 2nd request to please contact us regarding this issue. We have never received a response by email or phone from the NewRez Loan Servicing Department with any information about how they are going to fix the problem or about why they failed to pay our taxes as required on XX/XX/XXXX.
Product: Mortgage

Company is refusing to stop tax escrow payments. I have provided New Mexico State government evidence of a military exemption and they have refused to honor the official government documents. I have enclosed the official state documents that have been provided to me by the state of New Mexico, these documents have also been logged and signed for by my county assessor office. Company refuses to verify exemption by calling XXXX XXXX.
Product: Debt collection

I HAVE RECEIVED PHONE CALLS AT MY PLACE OF EMPLOYMENT AND THE NUMBER HAS LEFT GENERATED VOICEMAIL MESSAGES STATING THEY HAVE ATTEMPTED TO REACH ME XXXX TIMES..IF I WOULD LIKE TO RESOLVE THIS ISSUE PLEASE CALL XXXX
Product: Checking or savings account

I was trying to link my Capital One account to my Chime account in order to transfer money and received this message : Capital One is blocking you from enabling external applications File a complaint with the CFPB The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly. 
You can alert Capital One that you need access to your financial data by filing a complaint with the CFPB
Product: Credit reporting

XXXX account # XXXX i open this up XX/XX/XXXX, deliquency have been reporting since then, its reporting on all XXXX bureaus, estimated date of drop off date was XX/XX/XXXX, and they are still reporting. i need this deleted asap
Product: Debt collection

There is a debt collector that keep placing an account on my credit report after it has been removed. It has been removed twice before and they wait for 2-3 months an place it back on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out the Comenity Bank several times regarding this issue... 
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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Dates of late payment reported without my consent was XX/XX/2022 and XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has knowingly furnished my inaccurate personal information, WITHOUT obtaining my wet ink written instruction to do so. This is in violation of 15 USC 1681B ( a ) ( 2 ) ; a consumer reporting agency may furnish a consumer report under the following circumstances and not other ; in accordance with the written instructions of the consumer to whom it relates.
Product: Mortgage

on XXXX I filed a complaint with the cfpb. BNY Mellon lied in it's reply to myself and this agency and stated it was a duplicate complaint and closed the case. In fact new documents that came out AFTER the original complaint were provided in the XX/XX/2023 complaint. 


It is in fact not a duplicate. BNY Mellon and XXXX XXXX are engaging in fraud. They have in fact, repeatedly denied owning the loan while XXXX XXXX repeatedly states that BNY " OWNS '' the loan. 

Both companies use this exact language. 


BNY Mellon is listed as foreclosing on our property but claim in correspondence they do not own the loan OR the property. 

We have also repeatedly requested the loan owner, investor or creditors name, phone and address from both BNY Mellon and XXXX XXXX and both companies refuse to provide the information which is a violation of TILA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disclaimer : I am submitting this complaint on my own and without the help of a third party company. 

As Equifax is aware, Bankruptcy courts do not report to credit reporting agencies and have fraudulently obtained, and subsequently furnished, this information from a third-party source using my private personal information. With that said, they have violated various Code of Federal Regulations along with my consumer rights as follows : -5 USC 552a ( b ) - no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent, of the individual to whom the record pertains ... Equifax has done the contrary. 
- 12 CFR 1016.3 & 4- Equifax has utilized my nonpublic personal information without reasonable basis and without notice. 
-15 USC 1681 ( b ) - Equifax has furnished the referenced bankruptcy without permissible purpose. 

A letter regarding this matter has been sent via certified mail to Equifax 's privacy and compliance officer.
Product: Credit reporting or other personal consumer reports

These inquiries ware fraudulent : 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
Product: Prepaid card

I received a {$200.00} pre-paid vanillaGift gift card on XX/XX/2023 and attempted to use it 2 days after on XX/XX/2023 and the card was declined. Confused, I checked the balance and transaction history and observed that on XX/XX/2023 XXXX EST every last cent of the {$200.00} dollars was siphoned instantaneously in one transaction that I did not make or consent to. I then opened a dispute case with VanillaGift through their customer service webpage and was told " The entire cycle can take 45-90 days ; however, most cases are resolved before then. '' And after waiting over 90 days the estimated date of review just keeps getting pushed back and my case is being pushed aside. This treatment of customers is utterly outrageous and will not be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by 3 credit bureau. The inaccurate information about my inquiry is still on my report. Therefore, XXXX/Equifax/XXXX  have not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Inquiry Date XX/XX/2023
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recently I have checked my credit report and noticed some fraudulent activities on my report. I did a FTC report and included it below of all fraud accounts and names and addresses. 
I have never lived at these addressesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never worked here : XXXX XXXXXXXX XXXX I never authorized these inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The accounts below do not belong to me, I do not know whom they belong to, I have never done business with either of these companies. I have tried many times to have them remove this from all three credit reporting companies, and it has not been done, as of yet. This is stopping me from providing for my children and buying a home. 


XXXX XXXX XXXX Account Opened XX/XX/19 Balance {$12000.00} Account # XXXX XXXX Account Opened XX/XX/19 {$760.00} Account # XXXX
Product: Credit reporting or other personal consumer reports

I sent the following to BMW Financial to dispute a reported past due 30 day payment on my installment for my car that I have never been late on. 

I am writing to dispute the following information that appears on my XXXX consumer report. 
Dispute is as follows ; Account Number or other information to identify account : My payments to BMW financial come out of my XXXX XXXX  Checking account ending in XXXX monthly. My BMW Financial account is XXXX. 
Source of dispute information : BMW Financial provided the information to XXXX as a missed payment on my account. 
Type of disputed information : There is a past due payment that was reported on my XXXX consumer report. 
Dates associated with item being disputed : The XXXX report states that I have missed a 30-day payment in XX/XX/2024 and that has caused a XXXX point decrease in my consumer report. I made my normal payment again on XX/XX/XXXX and XX/XX/XXXX along with the XXXX payment on XX/XX/XXXX. 
Explanation of item being disputed : I believe that this dispute needs to be removed because I made the next months payment along with the full payment of the missed payment in full when notified of the missing payment. 
o The report shows I owed money to the company that I have already repaid. 
o I have never missed a payment to date and am not sure why that payment did not go out of my account with my bank. 
o Once contacted by an associate in XXXX, I made that missed payment in full and maintain an up-to-date account payment. I never received, to my knowledge, any notice of missed payment. I am within a year of full payment, and it is unfortunately very damaging to my credit to have this reported. Never received any mailed notice, emails of delinquency. I only found out when I called in to ask why there was an hit on my credit report that was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a car loan in XXXX, and the dealership rate shopped me. One particular financing company, XXXX XXXX, ran my credit twice in 2 days ( XX/XX/17 and XX/XX/17 ) but the 2nd inquiry was not authorized. I contacted XXXX XXXX directly already, and they were extremely rude. 

I also contacted Transunion, and after multiple phone calls, I was routed to the US Special Handling Division in Pennsylvania, where a supervisor proceeded to tell me that as this was an inquiry, it was a statement of fact, and it was not their responsibility to investigate and that I needed to contact the creditor to request removal. I stated that I knew my rights under the law, and that they had a responsibility to investigate, and they still refused. I asked for the department that oversaw theirs, and was given a phone number to the Executive Resolution Center. 

Additionally, Transunion only allows consumers to submit supporting documents via the web or postal mail, and doesn't offer a fax option, and the majority of the time the web option has severe issues. On top of that, they only allow consumers to have a single dispute open at any given time.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accuracy.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accountshave violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.