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

XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX Reported incorrect Information on my credit reports and I called these three major credit Bureaus to clear all their derogatory reports, but they have not complied since XX/XX/2002 till present. 
XXXX, XXXX XXXX, AND EQUIFAX made my life miserable. 
I can not refinance my house loan since XX/XX/2002. 
I can not cash out since XX/XX/2002 till present. 
As a Mortgage Broker I can not do " A '' loans for my clients because of the damage the servicers have done to my credit. Their damages to my credit suggest that I have bad credit, which makes me ineligible to help clients who have good credit. I have to buy Bond as an out of pocket expenses to be in compliance.

They have defamed my character with false reports.

Credit card companies will not approve me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

I sent my letter off on XX/XX/2022 & XX/XX/2022. I told the credit bureaus to investigate each of these accounts and to remove from my credit report on the accounts I have listed below. Also, I have attached the letters I sent out and here is the Tracking # XXXX # XXXX # XXXX. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. 

These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting these unknown accounts on my credit report.This is causing me to suffer repeatedly and its defamation of my character. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. Furthermore according to 15 U.S. Code 1681c-2 these fraudulent accounts should have been blocked within 4 business days. 


Accounts XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, DEPTEDXXXX 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 XXXXXXXX, XXXX XXXX XXXX  XXXX, DEPT OF EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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: Vehicle loan or lease

My account was transferred to another lien holder in  XXXX   2016  without any knowledge of the changes. My last payment was n't processed with my previous lien holder. My account balance is incorrect, I w as two forms of paperwork with different balances. I changed my lien holder for the third time to a bank, my pay off account is different from the amount the previous two lien holder s told me I owed. I can provide proper documents upon request
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute inquiries that have been on my report that I didn't authorize or don't recall. I have been asking for proof and I haven't received a response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 process40 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 financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Bankruptcy XXXX XXXX is inaccurate information in i filed XXXX XXXX bankruptcy and everything still on my credit that I put on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint as a follow up XXXX the previous CFPB Complaint I submitted on XX/XX/XXXX. This is my fourth endeavor to inform the XXXX XXXX XXXX that I am a victim of identity theft and I complain to question specific records in my document coming about because of the crime. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that are reporting on my Credit file. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Pleas have the following items deleted completely from my Credit File : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I placed the loan on XXXX/XXXX/XXXX for {$400.00}. I called them last Friday XXXX/XXXX/XXXX to ask for an extension for my loan. On XXXX/XXXX/XXXX, I spoke with someone from the Collections Dept. to able to repay my loan in 3 installments, I did this with online chat. The rep told me that in XXXX I could start repaying my loans which totaled, {$460.00}. Today, I went onto the website and it stated that I would have to repay the entire amount of {$440.00} on Monday, XXXX/XXXX/XXXX. I called Cashnetusa on the phone and the rep told me that the company would attempt to take out the entire amount and then my loan repayment could proceed on XXXX. I told them that I would not be able to start repayment on XXXX. I 've performed this several times, without incident. My account will be arrears because of this transaction even though I 've made 2 attempts to rectify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent an affidavit to Experian, XXXX, and XXXX showing my identity was compromised. I sent a death certificate and identification of the person who opened the accounts. I also sent my identification and they have done nothing. There are many names on my credit reports that are not mine. I verified MY identity but the names still remain. I have been in a paperwork battle with the XXXX credit reporting agencies since XXXX of XXXX. They refuse to resolve these issues
Product: Mortgage

I went into the branch of 5/3 and tried to make a payment and they would not take it and the manager was rude and not helpful -- -- -I am a veteran as well.
Product: Debt collection

INFORMATION ON MY CREDIT REPORT THATS NOT MINE.
Product: Debt collection

Called collection agency and telephone operator would not listen, consistently said that I was not making sense because I was XXXX XXXX. Harassed me about my XXXX XXXX any time I tried to present my case. She said that I was so XXXX XXXX that I was " not comprehending. '' This is was only a tactic used to invalidate my concerns. She used my XXXX against me rather than taking reasonable time and energy to understand what I was saying. 

What I was trying to say was that management had told me to call the police on my neighbor without any good reason. They wanted me to help illegally evict my neighbor. They told me he was dangerous and told me to " be safe. '' It precipitated psychosis. They never returned my phone calls or tried to resolve the matter after several attempts I made trying to contact them. They just turned everything over to a debt collector without trying to work things out. I did everything I could to take care of the matter, but they told me to call the police and that was manipulative and wrong. It made me mentally unstable and unable to continue living there. I had to go into the hospital and was unable to return to the apartment.
Product: Credit reporting

Victoria Secret has reported with negative remarks and deliquency and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me. This account was noted as 30 days reported on XX/XX/XXXX. During XX/XX/XXXX -XX/XX/XXXX XXXX. During this time i attempted to make payment arrangements, using the credit card insurance to submit a claim to cover my account. Victoria Secret has passed me onto the credit card insurance company to submit a claim.I also attempted to talk to Supervisor on occasion several occasions. I was not able to resolve this issue and have contacted Victoria Secret and the credit card insurance department as well. Not only did I make payments for insurance in case something happened I was not able to utilized it. Please remove this negative information.
Product: Mortgage

I am making an official complaint against this mortgage company for several reasons. 
-I requested a loan reduction on or about XX/XX/XXXX on the second amount owed due to the home being undervalued. I waited for the report and never got it. However, I got a letter stating " PMI Denial Letter, '' which was not what I requested and not an accurate reply to my request. I had to call again and ask about the loan reduction on my second amount owed. I was then initially told they would do an appraisal of the home and let me know. This time I did not get any response, so I reached out again to XXXX. I was then informed that I would need to complete my own appraisal which at that time I could not afford the cost. I was still determined to get a resolution and again called and pleaded my case regarding the second amount owed on the home. The first loan amount is {$110000.00}, and the second amount is {$120000.00}. So the total amount is approximately $ XXXXThe home value at present is {$180000.00}. 
-I also requested that a fee of {$1500.00} be removed as the charge was for a preliminary cost for them to file a lis pendens that was cancelled after my account became current. 
On XX/XX/XXXX, I got a letter from XXXX addressing both of my concerns. They would reduce the second mortgage amount, and they would not refund the fee. I am extremely frustrated with this servicing company. I have been trying off and on since XXXX to get a resolution. It is exhausting, and they get to take as long as they like to respond, and do not give correct information and mess up on providing you the necessary steps to take, but sill want to get paid for servicing the loan. 
-
Product: Credit reporting or other personal consumer reports

I have discovered inaccurate information on my credit report, and I am extremely frustrated that this has not been addressed. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are legally required to verify these accounts. It is completely unacceptable for unverified information to remain on my report without proper evidence, especially beyond the legally mandated timeframe. I demand an immediate investigation and correction of the errors related to the following accounts on my credit report. 
XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX  XXXX XXXX Balance : {$5700.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$970.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw this verbiage on my XXXX credit report that I did not wright : XXXX & xx-xx-xx xxxxxxx id fraud victim alert fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. do not extend credit without first contacting me personally and verifying all application information at day XXXX or evening XXXX. this victim alert will be maintained for seven years beginning XXXX. 

I don't know where this came from but the XXXX is a number I do not recognize the XXXX is my cell phone. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX is the only information that should be on my account Also I am employed by XXXX XXXX XXXX XXXX
Product: Debt collection

I have been constantly harassed over the phone after I asked not to contact me in Reference the debt, I asked him to verify the debt because I do n't owe NCB the collection agency anything, they have reported the last payment date is incorrect the amount I owed the debt is incorrect, the company they representing I never owed that company, I did n't give them authority to report this inaccurate info to the credit Bureaus. please verify my debt, please verify date last payment made, and the correct amount owed. also I did n't miss any payments on this account.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high-yield interest '' savings accounts. Capital One misrepresented the XXXX savings account as having XXXX of the nations highest interest rates, yet failed to notify accountholders about the superior rates offered by XXXX XXXX XXXX account. The deliberate obscurity and lack of transparency violated XXXX XXXX and resulted in significant financial losses for many, breathing the Consumer Financial Protection Act and the Truth and Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email alert from Experian.com stating that a Hard Inquiry from XXXX was done. 

Today, I contacted Experian to dispute the Inquiry. They said it will be removed and to contact XXXX XXXX. In addition, Experian.com asked if I was interested in a freeze that would restrict new inquiry to require my authorization. As of today, the Freeze should be in place. 

I contacted XXXX XXXX XXXX department to be transferred to Application services. They confirmed an application was received and approved. XXXX XXXX has blocked the card as of XX/XX/XXXX. They stated no cards were mailed. I was advised check with the XXXX XXXX XXXX to verify if any fraudulent change-of-address were filed. 

I am in the process of reporting the fraudulent inquiry to XXXX and XXXX. I am also checking with the XXXX XXXX XXXX for any fraudulent address change request.
Product: Student loan

I received a bill from Discover indicating I owed payment after I refinanced loans in full with a different company. I paid off loans that I co signed via a refinance through XXXX. XXXX issued Discover Student Loans one check in the amount of {$60000.00}. The refinance specified my account number consistent with this amount. Discover claims they only received a portion of the payment ( $ XXXX ) and paid off only one of the loans under my account. The rest of $ XXXX can not be located according to Discover. They claim they only received $ XXXX although the XXXX issued one check to Discover in the amount indicated above. XXXX verified the disbursement with Discover on the phone line and verified the account the check was to be applied to. Discover claims they do not have record of receiving the check for {$60000.00} although the applied $ XXXX to one of my accounts.
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 violates 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 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 a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Several attempts has been made to contact Synergetic Communications without success. Called during business hours on several occasions and reached a voicemail each time. Wrote a letter to Synergetic Communication explaining that this is not my debt of XXXX. This information that this collection company is not accurate and they have the wrong person.
Product: Debt collection

I mailed a certified handwritten letter to the United Collection Services on XX/XX/2019. USPS tracking states that it was received XX/XX/2019. This letter is a debt validation letter requesting that they send the required proof they have to assume this debt against me as per my rights under the FDCPA. They were given 30 days to send me the documents that I needed ; if they did not, they were to DELETE these accounts off my credit. They have violated my rights and I demand that action be taken to resolve this matter. Thank you for your time.
Product: Mortgage

My mortgage was with XXXX and was supposed to include escrow. However at the time of signing no escrow was included and I was advised that the will add the escrow after we signed the documents. Well that did not happen and I contacted the person who closed the loan and was told he no longer worked with them but they can look into to it and get back to me. Well that did not happen and the branch ended up closing and nobody could help me. Needless to say I fell on hard times and my home went into foreclosure with XXXX a lock was placed on my front door and I was unable to gain access to my home. I contacted XXXX and they informed me that it was pulled out of foreclosure so I asked for the key and gained access to my house. At that time they told me I was responsible for the taxes on the property and I said okay. They then sold my mortgage to Caliber Home Loans who would only do a interest only payment modification for 5 years which and the balance on my mortgage is more that the house is worth. I had to take that option or lose my house. I have not missed one payment. I then receive a bill for my XXXX payment for XXXX which is XXXX more than my payment was. Come to find out it is because XXXX never paid the taxes when they had it in foreclosure and it was just added to my mortgage. I can not afford this. The balance on my mortgage is more than my house is worth. I need a modification that will lower my payment for the life of the mortgage not just interest for 5 years. It will put me back in the same position I was.