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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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: Checking or savings account

XXXX I received a U.S. Bank email stating I applied for Silver Business Checking Package application # XXXX. I called their fraud department, notify them that I'm a victim of identity theft, provided my social security and application number. They assured me that there was no activity in my name. 

On XXXX I receive another email regarding another fraudulent application # XXXX On XXXX I call U.S. Bank and they refuse to provide me with an email address so I may document my reporting of identity theft, and request a flag be placed to my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These two Capital One cards, one with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my XXXX report and on my XXXX report. Both are violations of my rights.
Product: Credit reporting or other personal consumer reports

These are fraudulent accounts please remove them, they are affecting my ability to obtain credit. XXXX XXXX  account # XXXX date opened XX/XX/year>. accounts are closed
Product: Consumer Loan

I had bought a 1998 XXXX from a buy here pay here car lot.Paid over XXXX years then had my account sold to Mid Atlantic Finance in XXXX Florida.I tried trading this car in but was told this car was only worth XXXX.I was having to pay XXXX.So I gave the car up, as it was not worth it.This company got the car back, and then started reporting on my credit.This year since I disputed the debt they have changed the amount owed from {$3000.00} to over {$4500.00} they also changed the months on the term to 360 months for a car, not a house.This is crazy.This company is just trying to report false information on my credit score to make it go down since I did n't finish paying them what I feel I do n't owe them in the first place.The tax notice states the cars market value at {$2100.00}.
Product: Credit reporting or other personal consumer reports

My personal information is wrong. I keep asking for it to be removed and they remove some or none or add it back saying it's verified. I also filed a complaint with XXXX XXXX because that's who they are getting the wrong information from as well as other 3rd parties and won't tell me.

Also, ALL 3 CRA 's engage in illegal " Stall Letter '' tactics. Everytime I ask for them to update information, they send letters in the mail asking me to prove my identity. Every correspondence to them has a copy of my drivers license and social security card. This is another reason why I am also a victim of identity theft because if I can not send my information to them and they lie and say they didn't receive it and/or asking for it again, that's a problem. I will be consulting my lawyer if this is not handled in 4 business days.
Product: Debt collection

Twice in the past, XXXX has attempted to collect a fraudulent debt stemming from its efforts to extort me during my six-month stint as a customer in the latter half of XX/XX/2016 ( see CFPB Case # s : XXXX ; XXXX. XXXX, XXXX and XXXX ; XXXX, XXXX ). Despite the fact that each collection agency assigned to the debt has forwarded it back to the creditor when I submitted evidence that the debt is fraudulent, XXXX continues its effort to extort me by pursuing the debt, this time through XXXX XXXX.
Product: Mortgage

Applying for mortgage, was told to pay XXXX dollars for good faith ( I thought it meant if I could pay ) so I gave it to them. So after talking to them I started to Have my kitchen updated place painted. Was told after appraisal we will have mortgage. Paid for house in XXXX in full no mortgage. Now Rocket Mortgage LLC, is not giving us mortgage because kitchen is in the middle of update, they need running water and counter tops. The sink the stove sitting right there. Countertops in about 2 weeks. Now we are stuck with this. The least they can do is give me my XXXX dollars back since they didnt know that they should of told us about not remodeling. If this is the new world we live in the banks just steal our money, have called repeatedly now they tell me the money is used for the appraisal they wanted, house was paid for {$280000.00} cash, and that is what appraisal came to XXXX.
Product: Money transfer, virtual currency, or money service

Original notification to Paypal on XX/XX/22, shopping for XXXX XXXX XXXX XXXX  with XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX. Online Franchise Store Popped up. As I was looking as system, screen flashed a couple of times and then stated purchase completed?? I did not authorize. Looked in email for verification and to date never received an email to the email XXXX from XXXX. Made several attempts to contacts and no response. Asked Paypal to refund as it was fraud. Verified same day with XXXX did not have a franchise by that name. XXXX received credit on accoutn and assummed handled. XXXX it was back on bill?? Since then over XXXX hours spent trying to get this cleared. Only until I sent formal complaint to now XXXX XXXX  XXXX owns Paypal Credit ) did they move all transaction from old account and opened a new account and is currently investigating. On numerous occassions requested from Paypal, Paypal credit a copy of tracking, phone # from said merchant - nothing ... .i could verify.I went on to Paypal community blog to find over XXXX complaints of the same nature. Some with same name some with different name but similar scenario. Paypal did nothing!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized inquiries into my credit report and a formal demand that you immediately contact the data furnisher, where their organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my report to insure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XX/XX/XXXX Midland Credit MGMT XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For my XXXX Report there are inquiries on dates of that I didnt apply for and that I requested to be removed ( XXXX XXXX XXXX, specifically ) There are also inquiries on my Transunion Report that I dont recognize as well
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 effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 XXXX.

financial loss, and I seek appropriate redress for these violations
Product: Credit card or prepaid card

On XX/XX/2018, a charge was made to our credit card in the amount of {$2100.00} from a XXXX XXXX store in XXXX XXXX, WA. I called and filed a claim. Bank of America assured me they would give us provisional credit and to deduct that amount from our XXXX payment, which I did. I called the XXXX XXXX store and spoke with their bookkeeper. She faxed over documentation ( purchase order, invoice, receipt and sign pick up slip ) to our local XXXX XXXX store in XXXX, WA. It was clear from the paperwork that a contractor, XXXX XXXX XXXX, fraudently used our credit card number to order a XXXX generator. He used his phone number, signed his name, but used our name and address to order it ( misspelling both ). 

I forwarded this information to Bank of America. A few weeks later, we received notice that the dispute was closed and we were required to pay the money. 

I called again to complain that this was an obvious case of fraud, with proof. They reopened the case, gave us provisional credit, and again asked for documentation to be provided by XX/XX/XXXX. I went to the local Bank of America branch to fax the papers on XXXX XXXX. That same day, they charged our account for the original purchase amount, even before they had a chance to review the documentation we sent over. 

I called Bank of America today and they said they would look into it, but then they hung up on me.
Product: Debt collection

Called XXXX XXXX from my credit report to get information in reference to my medical debt listed. I spoke with an agent named XXXX who advised her company was third party and they are not accepting lower offer and that I was not allowed to speak to the original creditor " XXXX XXXX XXXX ''. She said XXXX XXXX " XXXX  '' my balance and they are collecting on their behalf. I questioned this and asked " So you own it now? '' She said no but I wasn't allowed to speak to them directly. 

I ask for a settlement and she said we don't give balance reductions. I replied and said I didn't ask for a balance reduction ( those aren't settlements ). She insisted I was wrong and her tone changed. I asked since I required to pay this full amount will it get deleted and she repliedyest but she would charge me XXXX $ for a deletion letter. Also they wouldn't send letters on going payments ( which is illegal if I set up drafts ) I called back later to reconfirm once again this fee for payment letter ( which seems unethical ) and she confirmed once again. I paid so I no longer have to deal with the harassing calls and unethical practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX without much help at all and multiple letters sent to XXXX, Equifax and XXXX  requesting that false and inaccurate information be removed from my credit bureau reports. I have not received any success. Ive even told them that addresses and names on the credit file are incorrect and they refused to respond and correct it. On XX/XX/XXXX after many letters sent requesting that XXXX XXXX and XXXX XXXX XXXX XXXX be removed from my credit report as this alleged debt is false and inaccurate, it was removed. Only to be put right back on the credit bureau today XX/XX/XXXX. This has been a constant back and forth game with willful violation of the FCRA by these three credit bureau reporting agencies the item is removed, then put back on with out any notice at all to me by XXXX, Equifax and XXXX. It was removed again back on XX/XX/XXXX, this is a violation of the law. Then put back on. It was removed again on XX/XX/XXXX and put back on again. It was removed again on XX/XX/XXXX and put back on again. These are the games violations of the FCRA that XXXX, Equifax and XXXX  as they are in engaged in defamation of character and fraud. By the way I have provided all three credit bureau reporting agencies with copies of letters sent certified mail and registered mail to these credit bureaus requesting proof of these alleged debts and not on of them have provided proof, since they cant provided proof of accuracy to me I asked all three credit reporting agencies to provided me with the proof that these collection agencies provided to the, and not one credit bureau reporting agency has provided that XXXX me since XXXX. They should be shut down permanently for their willful violations of the FCRA.
Product: Debt collection

I purchased a mobile home in XX/XX/XXXX for {$18000.00} at my first duty station. I payed {$240.00} a month for the time XXXX XXXX XXXX XXXX/XXXX  handled the mortgage. During the five years I had the mortgage I was never late in making a payment. When I received orders to a new duty station inXX/XX/XXXX I had to complete a short sale of the mobile home with a third party. The short sale yielded {$10000.00}, enough to pay off the principal of the XXXX XXXX mortgage. They agreed to the pay off amount and accepted the payment. Over the past 19 years XXXX XXXX has changed hands and had a class action lawsuit levied against them. They hit my credit report with an amount that was supposed to reflect the fees, accrued interest etc. inXX/XX/XXXXafter they had agreed to the pay off amount and accepted payment. The normal period of reporting unpaid claims is seven years. I worked with legal counsel several times from XX/XX/XXXX - XX/XX/XXXX to get the negative reports removed. Once the negative reporting dropped off my credit report I was relieved and thought the issue was behind me. Recently my credit report has been hit again from UTAH LOAN SERVICING LLC asking for payments against a 19 year old mortgage that was settled. I do n't have any of the original paperwork from XXXX XXXX/XXXX after 5 moves and 7 years of bad credit reporting to show that the mortgage was settled. UTAH LOAN SERVICING LLC has never attempted to contact me via phone, mail, email or any other type of communication. I feel that they are a predatory company and do not have the right to take action on a claim that is over 19 years old. My home of record, for military service, has always been Missouri and after reviewing the Missouri Statute of Limitations on Debt Collection ; I feel that this debit collection is illegal. I am submitting a complaint to get UTAH LOAN SERVICING LLC removed from all of my credit reports and to provide information to others that my have the same issue. I am enclosing a snap shot of the current credit report entry from UTAH LOAN SERVICING LLC : As of XX/XX/XXXX Account name : UTAH LOAN SERVICING LLC XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number : XXXX Recent balance : {$6000.00} as of XX/XX/XXXX Date opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX ( Financial ) Status : Collection account. {$6000.00} past due as of XX/XX/XXXX.
Type : Mobile Home Terms : XXXX Months On record until : XX/XX/XXXX Credit limit or original amount : {$18000.00} High balance : $ XXXX  Monthly payment : {$0.00} Recent payment amount : {$0.00} Date of status : XX/XX/XXXX First reported :XX/XX/XXXX Responsibility Individual : XX/XX/XXXX - XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX
Product: Credit card or prepaid card

I fulfilled all the requirements and received a {$24.00} rebate from XXXX. Blackhawk Networks provided the debit card but did not provide the PIN number so when I tried touse the card at XXXX and XXXX XXXX in XXXX WA on XX/XX/XXXX it was immediately declined at Point of Purchase in both cases. But Blackhawk fradulently logged the failed transactions as completed and removed the money from my prepaid card. I immediately contacted them by phone and email and that is when the run aound began. I'm not alone, this company has hundreds of complaints with the XXXX XXXX XXXX for this criminal activity. I also called them at least a dozen times. I have a case # XXXX. I submitted all the documents they requested at least 5 times. Including a receipt showing that I paid the disputed transactions with my own credit card. So in order to refuse paying me back, they changed the dates on their website for my transactions from XX/XX/XXXX to XX/XX/XXXX. Exact same dollar amount and exact same store but now, with a date different from my proof ( receipt ) they could deny my proof and refuse to make me whole. It was blatant theft.
Product: Credit card

I've always ensured payments are made on time for this account, avoiding any overdue payments. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Student loan

The company keeps saying that interest isnt increasing but in my account it keeps increasing. Im part of a program that agreed to pay {$90000.00} of my XXXX  loans if I work for them for 3 years so I forwarded the {$90000.00} check to MOHELA and that should have stopped yearly payments and interest for this year, yet it keeps showing interest increasing
Product: Credit card or prepaid card

On Friday XX/XX/2022 I attempted to make my payment to Comenity ( AKA- Bread Financial ) for a XXXXXXXX XXXX XXXX credit card on their website where I have successfully made payments before. I was unable to login with my normal login information that had been used the month previous. Then I tried to login using the " Easy Pay '', because there was a header on the website that said " Easy Pay '' was working and they apologized for the inconvenience on the outage. The " Easy Pay '' did not work either. I then proceeded to call their customer service phone number. It asked for my social security number then stated it would transfer me. It transferred me to a pre-recorded message that stated they were not currently available and were aware of the issues making a payment. I then looked around on their FAQ page on the website and it stated they would waive late fees between XX/XX/XXXX and XX/XX/XXXX I believe. They have my contact information on file and never once sent an e-mail blast or a letter that they were experiencing technical difficulties. They apparently had this issue for at least 3 weeks! Unacceptable behavior from a financial institution!
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam a victim of identity theft I have sent ideinty theft reports to XXXX, XXXX, EXPERIAN numerous of times ive sent certfied mail with tracking information I have disputed multiple times I have called multiple times An they still haven't removed the items off my report it has destroyed my life they continue to place the items into dispute instead of follo6w the FCRA Iam contacting a lawyer to file a lawsuit against all of them my information has been compromised on XXXX credit breach they have done nothing! I have submitted the identity theft multiple times I have asked multiple times to block the Information they told me they don't do that due to the FCRA they had 4 days to remove the items yet they put the items into disputes with no justice I have had my checks garnished because of these issues iam now contacting a lawyer to be compensated
Product: Mortgage

HSBC Mortgage Corp. has failed and refused to send me monthly mortgage loan statements for a year, despite repeated requests that such statements be provided to me, and legal requirements under TILA and other statutes that such statements be provided.
Product: Checking or savings account

Please remove all of the information enlisted on the letter attached to this notice. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, XXXX XXXX XXXX XXXX Mo ) XXXX XXXX XXXX, XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT A DUPLICATE COMPLAINT : On XX/XX/XXXX, I the consumer notified all XXXX consumer reporting agencies ( XXXX, XXXX and TransUnion ) of inaccurate and unverified information on my consumer report that was fraudulently furnished without prior consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. ALSO, never investigated pursuant to title 15 USC 1681a ( e ) -investigative consumer report. XXXX, XXXX and TransUnion failed to Investigate the first time witch is a violation of the FCRA, pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX, XXXX and TransUnion failed to Investigate the first time according to federal law ( FCRA ). XXXX, XXXX and TransUnion HAVE NOT conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, IF SO, I HAVE NOT BEEN CONTACTED AT ALL IN REGARD TO WHO DID YOU INTERVIEW TO VERIFY THESE ITEMS AS ACCURATE?? XXXX KEEPS ASKING I THE CONSUMER FOR PRIVATE LOCATION INFORMATION IN ORDER TO INVESTIGATE and that's a violation of the FCRA as well. XXXX, XXXX and TransUnion are committing Fraud and Identity theft. The CFPB nor I the consumer can contact nor locate these fraudulent companies US DEPT OF EDU # XXXX both accounts that XXXX, XXXX and TransUnion furnished to my consumer report fraudulently. I demand both accounts # XXXX be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 usc 1681n and title 15 usc 1681o ) regarding the continued willful and negligent noncompliance.