23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

WHEREAS I am in possession of a draft that purports to indemnify American Express ( " AE '' ), against prior claims of misrepresentation made by myself and certain of my affiliates. The draft is drawn on the EIN of XXXX XXXX XXXX XXXX ( " XXXX '' ), which is XXXX. The source of payment is limited to information provided by me. The draft contains an undertaking made by me under seal, as collateral to secure payment, containing a covenant that I will assume ( i ) that a " bank draft '' is considered as " cash '', ( ii ) that the definition of a " bank draft '' includes a payment order, a transmittal order, an informal dispute, and the like, ( iii ) that initiating a bank draft is reportable to the IRS, ( iv ) that privacy notices and privacy policies and arbitration procedures are agreements to elect to not be treated as a partnership under 26 USC 761 ( a ), ( v ) arbitration, mediation and informal dispute provisions may be used as a security procedure for purposes of giving value and to allow for delegation of authority to purchase, sell, and/or exchange tax deferred investment property, ( vi ) the recording of phone calls by a financial institution is for verification purposes, ( vii ) the purpose of and utility " bill '' and any other " bill '' is to help assist in the verification of identity, ( viii ) the purpose of any credit, whether it be a credit card or deposit account, is security, ( ix ) the purpose of ATM card present PIN transactions are to help provide security, ( x ) AE can obtain emergency credit from a XXXX XXXX XXXX XXXX XXXXhe Board of Governors of the XXXX XXXX XXXX , or both, or " sandbox '' with Plaid or something, and ( xi ) electronic and telephonic credit card applications are set up to be electronic funds transfers as opposed to payment orders in order to prevent consumers from giving nonmonetary value as actual value. The check states that the collateral is subject to arbitration and/or mediation. The check contains copyright claims and privacy claims.
Product: Credit reporting, credit repair services, 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 Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

US Dept of ED 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
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$53000.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$13.00}. The original creditor is XXXX XXXX XXXX  XXXX 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 

I could not qualify for a home equity loan due to the fact these accounts are negatively affecting me.
Product: Credit reporting or other personal consumer reports

The account was paid in full XXXX and closed however it states delinquent XXXX. 
The Account is being move between two companies Nationstar and Mr. Coopper. Act # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Debt collection

Diversified consultants recently removed this credit reports back in XX/XX/2018Diversified consultants has re-aged this account which against the law as stated in Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act. 
XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX BANK OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XXXX XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( Bank XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( OPENED ) XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXXXXXX OPENED XX/XX/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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer in fact, a natural person and a federally protected consumer under title 15 chapter 41. This complaint is a result of unfair & deceptive practices that harmed me, a consumer privacy, defamation of my character & reputation. 

I have sent a letter to XXXX on XX/XX/XXXX demanding that those inquiries ( transactions ) to be removed from my consumer report based on 15 USC 1681a ( 2 ) ( b ).

Those inquiries were not removed.

I the consumer and the card holder didnt not benefit from the extension of credit to the financial institutions below that resulted in adverse action. 1681a ( K ) I didnt benefit from the extension of credit and didnt give any explicit authorization and written instruction for it to be furnished on my consumer credit report. This is a clear violation of my privacy and defamation of my reputation. 

The above are clearly FCRA violations of my federally protected consumer rights and therefore all the disputed inquiries should be removed from my report immediately. 

Disputed inquiries to be removed immediately : AMERICA CREDIT ACCEPT on XX/XX/XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX XXXX on XX/XX/2022. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's giving me XXXX
Product: Mortgage

Received notice from Homepoint, my mortgage servicing provider, with notice date of XXXX XXXX indicating that my flood insurance policy had lapsed and to provide details of coverage. 

On XX/XX/XXXX, I provided the relevant details to them ( see attached gmail confirmation ) by submitting online as requested. 

On XX/XX/XXXX, I received a second final notice saying they will be taking out insurance on my behalf even though I have already provided. 

On XX/XX/XXXX, I followed up with email to their customer support email account confirming I had already provided the details to them. I followed up again on XX/XX/XXXX. 

I have now received notice that they have taken out flood insurance on my behalf as of XX/XX/XXXX at my expense. I have provided the details to them already and all attempts to confirm they have what they need have been ignored. The flood insurance policy is actually part of my escrow account with HomePoint so they most definitely already have details of the policy.
Product: Checking or savings account

I have been a Wells Fargo customer for 20 years and throughout those years have been charged overdraft fees many times. I was bit informed of the lawsuit for unlawful practices nor did I receive a lettter in the mail. I find this very bad and would have wanted to be notified!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX XXXX {$6000.00} XXXX XXXX {$63.00} XXXX XXXX {$1000.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX XXXX {$720.00} DEPTEDXXXX   XXXX {$1700.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX XXXX {$6000.00}
Product: Credit reporting or other personal consumer reports

I made monthly payments on my XXXX plus card by Barclays Bank and paid in full, they went ahead and closed my account with out even notifying me.
Product: Credit reporting

XXXX mismanaged the insurance on this account and has since agreed to resolve but the wrong status and account information somehow went to collections XXXX XXXX office of the president of XXXX is handling. this need to be deleted and never effect my credit in anyway, my score needs to be returned to its previous status prior to the fraudulent representation wrongfully reported.
Product: Mortgage

This is a story about a XXXX year old widow living in XXXX, Florida named XXXX XXXX. XXXX was born and raised in XXXX XXXX, FL in XXXX. XXXX never had children, but had a wonderful husband to whom she was devoted to for XXXX years. 
Fast forward to XXXX XXXX, when XXXX was XXXX, and at the cusp of the " XXXX '' days of free-wheelin ' mortgage and real estate boom. XXXX has a XXXX bedroom, XXXX bath wood frame home that was built in the XXXX 's where she has resided for the past XXXX years. It 's XXXX XXXX sq. ft., and by most standards in America today, would be considered modest. At the time, XXXX had a social security income of roughly {$800.00} dollars per month, and being an entrepreneur, " sometimes '' had up to another {$1000.00} dollars per month selling items on XXXX that she would XXXX in yard sales. This additional income would vary, but never exceeded {$1000.00}. 
In XXXX, with the real estate values soring ever upward, her modest little home appraised for an astronomical sum. Mortgage money was sloshing around all over the place, and XXXX was there to help provide and lubricate the exuberance. XXXX was enticed to take out a mortgage. A {$130000.00} dollar mortgage. An " Option Arm '' mortgage, that provided " options '' each month as to what she could pay, including " Interest Only, '' and/or various Fixed Rates with Amortizations that she could " pick '' each month. XXXX years, XXXX years, or " anything goes '' some other amortization, i.e. XXXX year, XXXX year, etc. that should could specify and varying each month. A payment plan designed for high income, " Young Upwardly Mobile '' sophisticated borrowers. The " Interest Only '' was based upon a " Jumbo '' Interest Rate of 6.875 % and was the cheapest payment option each month for XXXX 's meager income. This despite XXXX having a Conforming Loan Amount, and Conforming rates being cheaper, as much as 2 % less, a payment difference of {$220.00} per month. ( Conforming loans did not exceed {$460000.00} +/- in loan amount at the time. ) Being approved for the loan which took 50 % of XXXX 's monthly income was tight, but she managed at first. In XXXX of XXXX, with the economy beginning to tank, her XXXX income began to whither, and she began to get behind. Like many to that fell prey to this, foreclosure arrived at her doorstep and her defense was not enough. Sadly, she was finally adjudged in XXXX and the final foreclosure sale is in XXXX. 
XXXX should never have been approved for this loan. Approving a convoluted loan for anyone whose source of income is unpredictable, and approving it with the knowledge of taking half of it each months meager income, charging her a Jumbo Interest Rate as opposed to a Conforming Interest Rate to base the payment, and knowing in good conscience that she did n't have a " Snowballs Chance in XXXX '' to pay this, is beyond the governments definition of PREDATORY LENDING, ITS UNCONSCIENABLE AND EVIL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Capital One, who appear on my credit file as XXXX, Capital One, XXXX XXXX XXXX XXXX, numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. It is listed on XXXX report with dates of XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, Neither of these did i authorize or give permission. they are a result of fraud. 

The listed contant information listed on my credit reports differ, XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX ( XXXX ) XXXX, also have XXXX XXXX XXXX XXXX XXXX VA, XXXX ( MAIL ONLY ),
Product: Debt collection

The Company, CCS, indicated that I owe {$140.00} to XXXX XXXX ; however, that bill was already paid and I don't owe XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report there some accounts that I did not authorize or belong to me. 
Here are accounts on my credit report that do not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX. # XXXX I have never received a single notice from any of the above-mentioned companies.I request validation and detailed verification.
Product: Mortgage

on XX/XX/2020 I faxed all requested documents, bank statements, curent loan stetements, property tax and ins. papers, copy of drivers licence, etc. to XXXX XXXX @ Filo Mortage of XXXX Az. XXXX XXXX XXXX. & th floor, XXXX Az. XXXX www.filomortgage.com phone XXXX fax XXXX after she received my personal information, she dissapeared into thin air. she had my phone number blocked and I phoned other avenues connected to her and got nowhere. she could possibly be a I D scammer.her nmls # is XXXX and I D # is XXXX she told me that I was approved for my refi. loan and all I was doing was following her directions. Please look into this.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt on my credit for {$2400.00} I sent a certified letter to the reporting company, Wakefield and Associates on XX/XX/2022. They received the letter on XX/XX/2022. I requested for them to verify the debt. After 30 days, on XX/XX/2022 I forwarded the letter along with the certified letter receipts showing the company received my request. I requested for the credit bureaus to remove this debt from my credit report as it was never verified to me that it is my debt. 

All 3 credit bureaus replied back that they have verified the debt and will not be removing.
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 XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries XXXX  XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX 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: Debt collection

This company has called my employer several times after repeatedly being told to cease and desist contact. They are calling about a debt and I know for a fact I owe no one money. I was threatened by my employer that I could lose my job ober this issue. They have called several times in one day and then repeatedly called 5 times after being told not to contact my place of employment. I want fees, fines and penalties from them for this. They are told on the XXXX of XXXX not to call and called again on the XXXX at my work. Then again on the XXXX, XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reported inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Its my intention to not pursue any legal action so please adhere to the law Please remove/block the account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$4900.00}
Product: Credit reporting

The accounts showed in my credit report are not mine. The accounts belong to a family member with a similar name. Therefore the score calculated is someone elses. I also saw XXXX account in collections which does not belong to me. Again issue of incorrect ownership, belongs to a relative and not myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with Transunion. They can't even get simple fact correct anymore. Blame XXXX for this... It's ruined my life ... and these XXXX XXXX about it probably!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen, but the credit bureau refuses to remove this false information, stating, " We asked for the company to verify your information and it has been confirmed as correct. '' It's suppose to be correct. Thats what happens when you get your identity theft stolen. Thieves use a persons correct information to open fraudulent accounts. I've filed a police report with the XXXX XXXX Sheriffs office ( Incident Report # XXXX ) for identity theft. I mailed the credit bureau a packet which included the Police Report, Numerous notifications from different sources of my identity being stolen, and a list of false information that I want removed due to my identity being stolen. They wont remove the disputed account, but they acknowledge that my identity has been stolen by putting an identity theft alert on my file. I have followed all steps to get the credit bureau to remove these fraudulent account, but evidently they're slow and don't know that when a persons identity is stolen ; thieves steal a person 's identity and use it to open up accounts in that persons name, thus the information will be correct when you verify it with the company. 
The following line Items were part of my request to remove from my credit report due to identity theft : 1. XXXX XXXX 2. 8 different 30 days late on Dept of EDXXXX files The following hard inquires are false : 1. XXXX 2. XXXX XXXX. XXXX XXXX XXXX XXXX 4. XXXX via XXXX 5.XXXX XXXX XXXX 6 XXXX XXXX XXXX XXXX  7. XXXX XXXX XXXX XXXX 
8. XXXX XXXX XXXX  9. XXXX XXXX XXXX Can I get some assistance in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion to the fraud department and I was told they could not help me that is the inquires are on there it was mine.
Product: Credit reporting or other personal consumer reports

My rights are being violated by improper use of my consumer report. 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report, I am not happy to see the below items they are is inaccurate and erroneous
Product: Debt collection

I have asked fot validation of debt owned. They will not send it. Also balance is not correct