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

I need all these accounts removed IMMEDIATELY. I filed my complaint over 30 days ago and no one responded so I need these accounts removed immediately. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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. This was my complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I, a consumer and natural person, was denied credit by XXXX XXXX when I applied for XXXX XXXX XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX XXXX XXXX due to the response I received. XXXX XXXX XXXX is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX XXXX according to law.
Product: Credit reporting or other personal consumer reports

I'm submitting my CFPB follow up complaint today, and as per FCRA section 605bXX/XX/XXXXand TransUnion Credit Bureaus are required to remove and block any inquiries listed on an id theft report, and ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here 's the list of inquiries which do not belong to me or were opened without my permission : XXXX 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: Mortgage

My mortgage company Freedom Mortgage won't allow me an extension past 12 months to defer my VA mortgage from the pandemic era CARES act extension of 18 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Customer : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, New York XXXX, United States, tel. XXXX on XX/XX/2021 XXXX smartphone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Purple ) for {$730.00} using his credit card XXXX XXXX XXXX XXXX issued by Chase Bank. 
Item customer ordered was shipped and delivered by XXXX : XXXX on XXXX XXXX. Customer informed us on Mon XX/XX/2021 XXXX that he received wrong model - XXXX XXXX XXXX which is XXXX years old now. THIS IS ATTEMTP TO COMMIT A FRAUD ON OUR COMPANY. Customer clearly exchanged item he received from us to another. We are on the market since XXXX  year and we collected over 20 000 orders. We know goodly this type of fraud, that's why we collected following evidence :. First of all, customer is required to check package contents with the delivery man, and if it's not possible - to record unboxing video - customer didn't made neither of these. We asked customer to open a case at XXXX - but he declined, claiming it's our mistake. We then opened case at the XXXX ourselves, and we found that package was delivered at good condition. For evidence that we did shipped correct product, I'm attaching an XXXX video. It's available here : XXXX XXXX XXXX? 
XXXX. It's clearly visible that the box with the phone packaged into this package is different than customer is claiming he received. Box content remain untouched until arrived to the customer as XXXX investigation confirmed. That clearly shows that customer exchanged the product after delivery. There's no proof that the box customer photographed was inside the package. We do have proof that box inside this package was different from photographed. 

Unfortunately even all these evidence collected, Chase bank didn't respected our evidence during dispute process and debited whole paid amount from our merchant account at Stripe.com Such approach of a bank creates a playground of a fraud, and make scammers don't fear consequences of theirs actions.
Product: Student loan

I have been employed by the federal government since XX/XX/2015 to present. My loans have been in good standing since, and I have followed the practice of certifying my employment so that my payment accounts could be properly recorded using the PSLF tracker. I should have XXXX payments certified/tracked however MOEHLA is reporting only XXXX. 

They keep stating that my employment has not been certified on their account despite sending me messages state my employer certification was processed. It's very difficult to reach a live representative. When I finally was able to speak to someone, he was a trainee and could not understand the problem or how to fix it. After staying on hold for nearly forty-minutes they transferred me to a number that was not a live person.

The information provided by MOEHLA is very inconsistent, confusing, and they refuse to update my PSLF tracker. As such, I will continue to pay on loans way past my eligibility for discharge date.
Product: Money transfer, virtual currency, or money service

On XXXX, XXXX XXXX  I received an email from a scammer claiming they were my title company and the email looked completely legitimate telling us how to send wire for our closing cost on a home we were purchasing at the time. After wiring the money and then finding out a few days later that it was a scammer that got the title companys information and our personal information and email and knew exactly what our closing costs were. I then called our our bank Wells Fargo to submit a fraud claim and retrieve our ~ {$8700.00} they told us we had to wait 10 days for the investigation to happen and then we would get out money back. Since then Wells Fargo has not been cooperative and has told us they will not do nothing to get us our money back. 
Reference # XXXX
Product: Credit reporting

My previous dispute of a XXXX XXXX XXXX account stated that my first default was in XXXX. The credit bureaus did their best obtaining information from the creditor, but not the creditor shows the first late XXXX XXXX. As we are now in the 7-year rule timeline I will accept the reading on my credit reports. AS the law stipulates with the Fair Credit Reporting Act, the legal timeline as to the presence of the account has passed. The account must be deleted immediately, and my file information must be purged permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX  XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$4900.00} )XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$710.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$880.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ), XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$1600.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card

Peruse the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time with payments, yet they are erroneously reported as late.
Product: Credit card or prepaid card

I hold an American Express Platinum account which I no longer desire. I have no balance, on good terms, and paid the $ 550+ annual fee in advance for the year. I called CSR on XX/XX/19 to cancel the card. I was told that I had remaining membership points I would forfeit by cancelling the card. I replied that I was comfortable forfeiting all points. 
I was then told I would be charged for all membership points received to-date as that was in my Cardmember Agreement. I replied that it was highly illegal for American Express to prevent me from cancelled my account and also claim they had ground to charge me for membership points I'd received in the past. CSR refused to budge. I continued to request the card be cancelled regardless of what CSR was saying. I paid my balances in-full and I paid my annual membership fee. That was the extent of my responsibility under the Cardmember Agreement.
Product: Credit reporting or other personal consumer reports

Late Payments : 15 USC 1681 a2Xi 15 USC 1681 Permissible Purpose 15 USC 1681b Reinsertion Deleted Item 15 USC 1681i5b Responsibilities of Furnishers 15 USC 1681s2 Accuracy 15 USC 1681 ( e ) ( b ) and 15 USC 1681i5a Verification 15 USC 1681i7 The entry is the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit report XXXXBalance : XXXX XXXX/Opened : XX/XX/XXXXXXXX XXXX XXXX/Balance : XXXX XXXXOpened : XXXX XXXX XXXX XXXXBalance XXXX XXXX XXXX/Opened : XX/XX/XXXXXXXX XXXX XXXX/Balance : XXXX XXXXOpened : XX/XX/XXXX XXXX XXXX : $ XXXX/Opened XXXX XXXX XXXXy/Balance XXXX XXXX XXXX/Opened : XX/XX/XXXX XXXX XXXXBalance : $ XXXXOpened : Unknown XXXX XXXXBalance : $ XXXXOpened : XX/XX/XXXX I am requesting a certification of accuracy for any and all information your agency has reported concerning me and the immediate cessation and removal of any unverified , inaccurate, or unauthorized data. I have continued to receive frivolous computerized statements without any legal proof of these derogatory marks. However, no legal proof of the marks has been provided or proven Under the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), I am requesting the names and business addresses of each individual you contacted for verification purposes.
Product: Credit reporting or other personal consumer reports

I'm reporting XXXX inquiries that do not belong to me showing on my credit report with Transunion. I have never given my consent for them to be showing on my credit report.
Product: Student loan

Sallie Mae has lied to me, back stabbed me as many ways as possible. They have taken money from me, they have over-drafted my bank account, they have harassed my co-signer that is a XXXX veteran battling XXXX. All I tried to do was get my payments down just a little until I found a job, and nothing. I either make too less, or my co-signer makes too much. I recently was accepted to a program on XX/XX/XXXX to bring my payments down to {$190.00} a month if I paid of one of my loans, and I did. All I had to do was call back and set it up, and they said I was n't qualified for the loan payment I was told I was qualified for! This first started on XX/XX/XXXX where I paid {$150.00} loan forbearance, and two months later, they said I never paid {$150.00} but it is in my bank statement stating I did! So they never gave me the loan forbearance, literally stole money from me, then continued to harass my co-signer who is very ill. Next, I paid {$140.00} to pay off a loan, then they authorized it 2 times in my bank instead of 1 time, which put my bank in the negative leaving me with XXXX overdraft fees ( This was the loan I was told to pay off before I can get the $ XXXX monthly payment that I qualified for ) I had my bank fax them 3 times to show it was Sallie Mae that caused the overdraft, they still refused to acknowledge it was. I am a military veteran, and I have never been treated in such a manner in my entire life. Every time I call, no one knows what is going on, it is always different information. Please, for the love of God, can someone help me out?
Product: Credit reporting or other personal consumer reports

XXXX Credit Agency has a very old address listed as my current resident address which is incorrect. I disputed the inaccurate address and uploaded my current pay stub that displays my current accurate address. XXXX investigated and refused to correct the inaccurate address. 

Old address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
New address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with XXXXI had a charge off removed from my report and all agencies increased my score up to 80 plus points. ( equifax increased mine 87 points XXXX to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX they took 81 points off my score dropping it to XXXX!! The only activity was 2 payments I made ON TIME to a car loan and a personal with XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I never knew there was a debt owed at all until I was trying to buy my house in XXXX of XXXX and I started reviewing my credit report. According to XXXX XXXX the debt was from XX/XX/XXXX. At that time unsure of how to handle such a large debt from so long ago I tried to dispute it with the credit bureaus to no avail. I have never once received even a single piece of mail of any kind from neither jj marshall or the original debtor XXXX  XXXX. I never even received any notice of any court proceedings. I was never served paperwork by anyone. On XX/XX/XXXX my employer provided me with a copy of an order to garnish my wages on behalf of Jj marshall. Still to this day I have no idea what they are claiming I owe almost XXXX for. I am now attempting to object to this garnishment. To my knowledge it is beyond the timeline in which I can object to the judgement. I do not believe they made any attempt at reaching me in order for me to object to the debt in the first place so I would not have a chance to fight it. I have lived at the same address since I moved out of XXXX in XXXX of XXXX. I have received mail both legal and otherwise for almost seven years at my current address as well as it being my address listed with the post office and the courts so there is no reason that they could not have served me a proper notice.
Product: Mortgage

Our mortgage was sold to Carrington Mortgage https : //www.carringtonmortgage.com/ and they did not apply the payments properly. This caused late fees and harassing phone calls. We can show consistent on time payments. We pay XXXX 's payment on XX/XX/XXXX, XXXX 's payment on XX/XX/XXXX. This initial problem was solved after months of harassing phone calls. Carrington was wrong we were right. Carrington removed the late fees because of their errors. On these calls I asked for the call to be escalated, I was transferred and told I was talking to a supervisor, instead I was talking to the person sitting next to the person who called me who was 'pretending ' to be a supervisor. They admitted to lying to me when the call get heated.

They badger, and bully good paying customers and make you write them when they can call you at all hours. They tell you to follow one path then when you do they say, follow this other path.

Today I am calling Carrington to have a late fee removed because there was a change to my escrow account and they did not apply my payment. Instead the kept my payment in unapplied, added a late fee and now will not remove that late fee. I was made aware of this by a phone call from Carrington. I made the make up payment within a coupe of days.

I asked for a supervisor and was told they were not available and if they were they would not waive the payment either. I was told they can not spend too long on a call.

Previous to today, when I called to find out why my payment was not applied I was told they could not waive the payment at that time and would have to call back. Now when I call back they say I have to write. 

This takes hours of time away from me waiting on hold and writing. I understand there are people who game the system and don't pay their mortgages. That is not us, our records show consistent early payments, yet we continue to be abused by this company, their practices and employees.
Product: Bank account or service

I use American Express Bluebird for my direct deposit for payroll. I have been a victim of fraud on my Bluebird card in the past. The result was waiting 45 days to get a credit. I was evicted with my children because I could not pay rent and the fees added up to more than I could pay. I told Amex that there were never to be internet charges again. Yet, today, XXXX XXXX, 2015, my card incurred internet charges of $ XXXX XXXX , {$250.00} XXXX XXXX and {$5.00} XXXX academy. I did not make these charges or authorize anyone to make these charges. 

Now, once again, Amex says that I have to wait 45 days for a refund. I will be homeless once again. I ca n't pay my rent. I have half and the landlord wo n't take half. My children and I will be homeless again.
Product: Credit reporting, credit repair services, or other personal consumer reports

1XXXX  XXXX XXXX XX/XX/XXXX 2.US Small Business admin oda XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 
I contacted XXXX, and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business
Product: Payday loan, title loan, or personal loan

They are trying to charge me more than what my realtor printed out and show me how much they closed and sold my account now trying to charge me and hit my job
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a legal document from USAA correcting my credit and I have never been late on my account XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions Ive contacted Transunion and XXXX   about Hard inquiries on my report that are fraudulent. I stated that it was identity theft and I did not authorize it nor had knowledge of the information on my report. I sent in Identity Theft report along with copies of my Id and SS card as they told me to and still nothing has been fixed for me.
Product: Credit reporting or other personal consumer reports

My information was used without my consent and I was also a victim of the Equifax data breach
Product: Prepaid card

we purchase these cards to give to employees for special recognition. 
until now have never had a problem, now nobody can use these cards online to any reputable dealer. 

looks like everyone else is having these issues as well. 

i called support, they could not give me anyone in corporate nor anyone from the united states. they kept giving me numbers that just loop back to their ivr. 

something has to be done about this company. 
the agent kept saying " have you tired X '' and i would try, would not work. 
its clear that other company 's do not trust vanillacard.com and no longer support them. or they are too cheap to keep their presence in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is in violation of the original contract.