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

For several years to-date, XXXX and Experian are committing some criminal activity on my Credit Reports in an effort to suppress my XXXX  account and my Credit Scores, Ive never Reported a balance on this account since I received this pitiful little XXXX  XXXX Card, I mean really! This month XXXX Reported a {$260.00} balance due on this account, again Ive never once had a balance on this XXXX XXXX XXXX  account. To Counter this threat by XXXX XXXX Experian, at my beautiful creative XXXX  XXXX  and at the mere age of XXXX, I keep forgetting that Im a XXXX XXXX  and Ive got to use other Resources besides the CFPB, Consumer Financial Protection Bureau, because of this personal threat by XXXX XXXX Experian, For this Cause, Ive Reached out to the U. S. Department of Justice, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX at XXXX to investigate this threat to both myself and other XXXXXXXX XXXX across the country to investigate this Real threat to the XXXX XXXX XXXX Community to-date. Please help with this investigation and threat with this blatant disregard & criminal  activity by XXXX XXXX Experian with False Accuracy of Reporting under the Fair Credit Reporting Act, FTC. Federal Trade Commission, 15 U.S.C. section 1681 & 1682. Im going to bring attention to every Federal agency available, see because if these REPORTING AGENCIES are threatening me like this with the wealth of knowledge Ive got, these criminals are certainly Dumbbells if you ask me, Real Dumbbells!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried freezing my credit with the 3 credit bureaus and Equifax is the only one that I'm having problems with. I logged in through their website, it has problems saying comeback later or has problems logging me in ( see attachments ). I have tried multiple times to fix this issue and have tried on different computers. I have tried resetting the password, but the email never comes. I find it particular offensive with Equifax since their negligence allowed XXXX XXXX of America 's  personal information to be stolen. I request that they fix this issue immediate and/or that the CFPB investigate the business practices of Equifx and their freezing process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion LLC XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I was informed by TransUnion on XX/XX/XXXX that acct number XXXX with XXXX XXXX XXXXXXXX was deleted from my credit report. 
I have now realized this same item was Reinserted onto my credit report! 
In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.CS1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for that purpose, by any means available to the agency I have received no such Notification, this is a serious violation of the of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA! 
I demand that you immediately Delete this account from my credit report to avoid legal action, I
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a number of mistakes on my credit report and I contacted Experian in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issue, this is a clear violation of my consumer rights.
Product: Mortgage

This year In XXXX, I applied with Associated Bank on my area, after working with XXXX XXXX, I was denied the loan only after I reached out to the residential lending department because my loan officer would not answer very important questions about documents the underwriter was requesting. She kept telling me to reach out to the first time homebuyer non profit for clarification. I included the homebuyer program in the email, and they responded by saying Im far enough in the process to move forward working directly with the lender and he was surprised that the file was denied. The lender XXXX continued to ignore me and the documents I uploaded into the XXXX XXXX. After receiving the email from the homebuyer program, XXXX denied the file for insufficient documentation. I uploaded a complaint letter into the portal and got a call from XXXX from the escalations department at associated bank. She let me know that she wanted to know what happened by they did get me a pre approval. She mentioned she thought this was a good opportunity for training, and would help me in any possible. She gave me her direct phone number, and told me to call her with any questions or if that lender did not reach out. Fast forward to my realtor reaching out to XXXX. XXXX told the realtor that my file was no longer hers and gave the name of XXXX. It took over XXXX weeks to get clarification on the botched pre approval XXXX, XXXX assuming, was forced to write up. Upon getting clarification, we found out that XXXX had entered the pre approval including conditions that I could never meet. For example, a condition was that I would secure {$5000.00} in gift funds from a family member when that was never discussed with me. She also put that I should have the beginning balance in my savings when she knew I was using some to put unkept debt to make it to the closing table. 3 months later after searching for clarification and not being able to reach out to the writer of the botched pre approval, XXXX finally told me there was no first time home buyer grant funds available, and that the funds in question has to be a gift, not a grant. Honestly the whole process with associated, specifically XXXX XXXX has been a nightmare. Her ego was bruised Im assuming because the last time I spoke with her she scolded me about 3 different complaints from my with XXXX different lenders simply because I called the XXXX number. I hate to think this file was denied/sabotaged for personal reasons, but I can not figure out why after working with a first time home buyers program, I would be sent over for her to deny me. Even the homebuyer program is confused, and even though she had to do the pre approval because this file was escalated, she sabotaged it by including funds in there that I never said I had! She needs to face some consequences. Imagine if I got an excepted offer, paid for inspection only to find out this was sabotaged. Thanks to my realtor for being diligent and helpful in understanding the loops XXXX wrote in my pre approval.
Product: Credit reporting or other personal consumer reports

The account is accurate, without providing any evidence of a thorough investigation this practice violates the fair credit report act ( FCRA ), 15 U.S.C 1681i which mandate a reasonable investigation of disputes I request that CFPB take action to ensure that XXXX, transunion, and XXXX complies with the federal law and provide consumers with the necessary proof of investigation
Product: Credit reporting or other personal consumer reports

I accordance with the fair Credit reporting act XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that 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.

Please removes these negatives off my credit ASAP. 

1. XXXX XXXX ; on my XXXX and Experian are reporting 2 different " LAST ACTIVE DATES '' in the attached file. 

2. XXXX XXXX ; XXXX, XXXX XXXX and Experian are all showing inconsistencies with. LAST DATE ACTIVE, LAST REPORTED AND DATE OF LAST PAYMENT 3. XXXX ; XXXX, XXXX XXXX and Experian are all showing inconsistencies with. LAST DATE ACTIVE, LAST REPORTED AND DATE OF LAST PAYMENT 4. XXXX  ; XXXX, XXXX XXXX and Experian are all showing inconsistencies with. LAST DATE ACTIVE, LAST REPORTED AND DATE OF LAST PAYMENT
Product: Credit reporting or other personal consumer reports

I want you to investigate this inappropriate information on my credit report. 

Account Number : XXXX XXXX  Account number XXXX Date Opened XX/XX/XXXX Balance {$6000.00} Account Number : XXXX XXXX XXXX Account number XXXX Date XXXX Balance {$360.00} Account Number : XXXX XXXX  Account number XXXX Date Opened XX/XX/XXXX Balance {$8900.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance $ {$3100.00} Account Number : XXXX  Account number XXXX Date Opened XX/XX/XXXX Balance {$16000.00} Account Number : XXXX  Account number XXXX Date Opened : XX/XX/XXXX Balance {$22000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX ) has violated my rights. Under XXXX USC XXXX, section 602 states I have the right to privacy. 

XXXX USC XXXX section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 

Under XXXX USC XXXX a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

switch two step verification to authy worked the first time but never again. 
have called and been hung up on. 
have emailed but not response have used the computer camera to verify my identity but got no response. 
What in the world is going on with you? 
I just want to log in to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, these accounts below have violated my rights. 

Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. Stated I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency furnish a account without written instructions
Product: Vehicle loan or lease

I refinanced my car loan with pen fed credit union. I moved and my phone number changed. I then wasn't able to login into my account online. When I called to make my payments none of the info.associsted with the account was correct. I sent in requested information to get the account updated multiple times, I mailed, faxed, emailed and used the upload portal, each time then claimed it was either never received or it wasn't the right information. I would have to explain that entire situation to be transfered and explain it all again to the next person prior to being able to make a payment. This went on for over 2 yrs which made making payments difficult and time consuming. I would get behind on payments then catch them up. I tried everything to get them to update the account to make it easier for me to make the payments. Even if a hacker where to get my car loan info.they weren't going to make the payments and getting another loan wasn't an option so they could have just changed the phone number and mailing address associated with the account yet wouldn't. Today I called to get payments caught up and was told it was in repossession status. I owe almost as much as I did 3 yrs ago when I first financed the car. I was told I needed to pay in full or give the car back. I am working with another institute to refinance my car. I called Pen fed XXXX XXXX to a 10 day pay off letter and was talked to extremely rude and still was not able to get XXXX. If people do not have access to their loan info they aren't able to make the payments. The bank institute then can add on all these fees, late charges ect which should be illegal considering all they had to do was update my phone number, mailing address and give me access online to make the payments.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I do not have a contract with this Portfolio Recovery. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to  obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau ( XXXX  and XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
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 Customer 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvand financial loss, and I seek appropriate redress for the violations.
Product: Vehicle loan or lease

I entered the XXXX XXXX dealership located at XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX to purchase a vehicle appr. XX/XX/XXXX right before the COVID 19 shutdown. My credit score was in the 600s and I was approved to get a vehicle. The manager, XXXX XXXX, did a bait and switch tactic last minute on a pre-owned vehicle that was sold to me for double the XXXX XXXX price, that is not reliable or operable, without allowing us time to do the research. I started pulling up the information while they were putting together the contract and disputed the car, and they pushed us into the vehicle, stating the reviews about the car were not true. The vehicle that was sold to me was a XXXX XXXX XXXX, and the hydrogen stations are usually non-operable, leaving me without fuel for the vehicle appr. 80 % of the time. When I realized what type of vehicle was sold to me, within 24 hours after purchase I tried to return vehicle to dealership, and the manager ( XXXX XXXX ) refused to accept the car. The car value was approximately XXXX and the bank finaned me for approximately XXXX way over value of car. The car has to constantly be towed to stations, as there are only about 3 hydrogen fuel stations in XXXX County, and they are usually out of service. This leaves me without a vehicle most times, and takes up an entire day to be towed. I have contacted corporate and corporate refuses to accommodate me, and instruct me to make payments on the vehicle anyway- they do not care if the car operates or functions efficiently. The management at the XXXX dealership, XXXX XXXX, seems to be participating in an insurance scheme on the car- as one incident several guys in a car came up to me in a vehicle at the station it was towed to and asked if I wanted to do a total loss on the car with their auto shop- insurance fraud scheme, and stated they knew XXXX XXXX at XXXX XXXX . I refused their advances and they would not leave us alone until we left. I am not sure what else to do but we are in a XXXX auto contract with a vehicle that is not reliable, the fuel stations do not work or exist over 80 % of the time. This car has left us stuck on the side of the road, having to be towed, and paying for XXXX or XXXX about every two to three weeks since it was purchased in XX/XX/XXXX. There are many complaints about this car that can be found online, another concern is the price they financed thr car for, recently the management quoted my car at XXXX trade in value, of which was sold to us at XXXX!! I am not sure what are my next steps, as I have contacted a few attorneys as well.
Product: Credit card or prepaid card

My account with CAPITAL ONE, account number is XXXX and XXXX, should have no 60 days late on the month of XXXX to XX/XX/2021 because I have not received any forms of billing information or any notification that this account is due or something. This is not an error on my end. With that being said, sending written letters and a lot of attempts on reaching out to both Bureaus and Creditor were neglected. This should be corrected immediately.
Product: Mortgage

I was contacted in regards to a refinance and I accepted the rate and signed in XX/XX/XXXX. I was later contacted and advised that paperwork was being audited and that there was a mistake made by the notary and that it was nothing that I did wrong. Due to the error made Village Capital was offering me a better rate and a lower monthly payment that it would not be due until XX/XX/XXXX. The loan officer set a date and time for the notary to come back out for me to resign the paperwork on XX/XX/XXXX. That date came and passed and the notary did not come as planned, I reached out to the Loan Officer to try to let him know and see if we needed to reschedule and he never responded. I called  and emailed weekly with no response on the status of this refinance, the last time I spoke with my loan officer I asked him if this takes more time than expected would it affect my score or what I should do and I was advised that since I'm in the middle of a refinance I will be fine. I checked my credit report today and noticed that I have a 30 day late payment and no one has returned my calls to let me know what is going on. I have emailed and called several times with no response and no one is telling me anything.
Product: Mortgage

On XXXX XXXX, XXXX I contacted Bank of America, N, A,. whom is the servicer of my mortgage to let them know that I had lost my job and I may be having a hard time at making my mortgage payments. At that time I was not behind on my mortgage at all. Bank of America, N, A,. told me that they could do an loan Modification on my loan but i would have to be at least 60 day 's behind on my mortgage. I made arragements with them to begin my arrears on XXXX XXXX, XXXX and paid any and all of my mortgage payments up to that date. Bank of America, N, A,. sent me the MAKING HOME AFFORDABLE loan modification package I filled out this package and returned it on XXXX XXXX, XXXX. On XXXX XXXX, XXXX Bank of America, N, A,. filed in the official court records of XXXX XXXX, Florida an Fraudulent and Forged Loan Modification Agreement to repair the missing State and County on the original mortgage. I contacted Bank of America, N, A,. to check on my application status and they assured me that they did receive it and was in review of the application. On XXXX XXXX, XXXX Bank of America, N, A,. filed an INTENT TO ACCELERATE MORTGAGE. At that time I contacted Bank of America, N, A,. to check on the status of my application and was assured that it was still in review and not to worry about the NOTICE OF INTENT TO ACCELLERATE MORTGAGE that it was a notice automatically sent out by it 's computer system because of my being in the arrears. On XXXX XXXX, XXXX Bank of America, N, A,. removes Mortgage from MERS Mortgage Electronic Registry System , Inc. and files a Fraudulent AOM Assignment of Mortgage establishing a new Chain of Title in the official Record Books of XXXX XXXX, Florida. 

As we continued to fall behind as we were awaiting on our application to be reviewed and approved I continued to make contact to Bank of America, N, A,. via telephone and continued to be assured that my application was still in review. On XXXX XXXX, XXXX Bank of America, N, A,. Filed its Mortgage Foreclosure Case and filed False, Fraudulent, and Forged documents as their Exhibits on its claim. On XXXX XXXX, XXXX Bank of America, N, A,. reported that the Foreclosure case was closed and the house was sold and they filed their claim for the FHA MIP insurance, on XXXX XXXX, XXXX Bank of America, N, A,. received their FHA MIP Insurance Claim Number XXXX and received an FHA Payoff for {$160000.00} while this Mortgage Foreclosure case was still being litigated. 
On XXXX XXXX, XXXX Bank of America, N, A,. filed for a Substitution of Party and Amend Style of case. Mortgage Foreclosure was then turned over to XXXX XXXX XXXX , XXXX. and the case then continued on. On XXXX XXXX, XXXX the Mortgage was Changed from an FHA Mortgage to an Conventional Mortgage without any drafting of any new Mortgage Documents, the Counsel for XXXX XXXX XXXX , XXXX. XXXX XXXX claims that the FHA Mortgage was Decommissioned. On XXXX XXXX, XXXX the Final Hearing was held and was awarded to XXXX XXXX XXXX , XXXX. THIS CASE NUMBER IN THE LOWER COURT WAS XXXX AND THE APPEALS CASE NUMBER IS XXXX. This case is full of Fraudulent Transfers and Forged and Fraudulent Documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reports have not been updated for 10 years. My information was sold by XXXX XXXX back in 2016 a lock/freeze was done to my credit and paid for by XXXX  for a period of one year. I never set anything up it was all done by them. I can not change or update ANY of MY OWN information because I don't have a log in to do it. I have contacted all Three by mail several times threw the years, I have tried emailing them, and I have tried calling. I have gotten no response from any of them and their customer service line is automated XXXX that has nothing to do with what is going on and no real way of talking to a real person. I have NO CREDIT and the information that is on my reports like I stated before are approx. 10 years old.