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

During COVID 19, like other millions of people around the world, I ran into a financial hardship. I am on social security XXXX. I rely on tenants so I rent rooms in my house. I had two girls renting that XXXX   me ; they vandalized my home ; they stolen lots of valuables ( furs,  XXXX jewelry, XXXX sunglasses, etc ) ; they vandalized my floors ; stolen household items, you name it. I had to file charges and the State Attorney is prosecuting them ; one was XXXX. This was one of the WORST experience in all the times I rented ; nightmare! Also, the tenants experienced losses through COVID ; reduced house ; laid off which made it hard for them to pay rent. I have been recuperating from their theft and their loss wages. It was hard keeping up on my bills. I called Nordstrom  trying to explain the circumstances ; especially after  they sent out communication saying they were there to help through COVID. When I called, the rep was very " cold '' ; didn't care ; told me I need to make a payment or they are closing the account. I had this account for years ; never late until recently. Not at all expected that lack of support or help. Based on the current conditions and their " we are here to help '' correspondence, I expected more. That put me in a deeper  XXXX and I shut down!
Product: Debt collection

I stated that its not my account & I am not liable to pay a debt that isnt attached to my name/person. Ive never done business with this company we have no affiliation with one another whatsoever & this is a direct violation of HIPPA its illegal & should be removed from my reports & myself permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 ; 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: Debt collection

Loan was an illegal tribal loan that has been sold multiple times to non-tribal collection agencies that do not have any legal authority to collect. They refuse to provide anything. They are threatening to take my car and house despite neither being collateral for the loan.
Product: Credit reporting or other personal consumer reports

OnXX/XX/XXXX a lawful debt request affidavit was sent to XXXX XXXX XXXX I received none of what I requested XXXX XXXX XXXX sent a statement not a signed invoice.They sent a agreement signed by a third party for XXXX XXXX XXXX named XXXX XXXX corporations cant sign because they have no right or mind to contract since they are soulless legal fictions and furthermore no 3rd party can sign a contract on their behalf.They also showed no equal consideration.XXXX XXXX XXXX brought nothing of value to the table and had nothing to lose this company has had more then enough time to send documents i lawfully requested.XXXX XXXX XXXX has since sold the debt to a company name XXXX before verifying anything I requested and is now improperly reporting to credit report.XXXX XXXX XXXX has committed several crimes starting with. Anticipatory Repudication Criminal acts of XXXX XXXX XXXX 1.The contract was void-ab-initio because XXXX XXXX XXXX lied and never intended to lend a single cent of their own asset 2.A valid contract must have lawful or valuable consideration.The contract failed for anticipated breach.XXXX XXXX XXXX never planned to give the Buyer/borrower ( me ) any valuable consideration XXXX XXXX XXXX XXXX XXXX breached all its fiduciary duties to the buyer and is therefore GUILTY of criminal breach of trust by failing in its good faith requirement XXXX XXXX XXXX XXXX violated its corporate charter by lending credit or nothing at all to the buyer ( me ) and then charging interests on this make believe loan.Banks are only licensed to lend their own money not other peoples money.XXXX XXXX XXXX  used the buyers ( me ) promissory note to clear the title which essentially purchased the property from the seller.The transaction is an ultra vires transaction because XXXX XXXX XXXX engaged in a contract outside its lawful mandate.An ultra vires contract is void or voidable because its non existent in law 6.Everyone involved in this undertaking with XXXX XXXX XXXX starting with the loan officer, lawyers and even central bank are equally guilty by association by aiding and abetting XXXX XXXX XXXX in its commission of its crimes against the buyer ( me ) XXXX XXXX XXXX XXXX XXXX and the others who profited from the ultra vires transaction are all guilty of unjust enrichment and fraud for deceiving the buyer ( me ) and for acting in concert in this joint endeavor to deceive the buyer ( me ) XXXX XXXX XXXX has sent me the same information XXXX times! and fails to send the documents I lawfully requested and has had more then XXXX even 90 days to send documents.Credit report should be updated immediately or hold XXXX XXXX XXXX  and XXXX XXXX accountable for federal questioning regarding Anticipatory Repudication UCC 2-610.
Product: Credit card or prepaid card

Hello, I applied for the US Bank Korean Air Skypass visa and was issued a credit card with an erroneous skypass #. This means that all my rewards points are going to an account that does not belong to me and that I do not have control over. 

I have submitted 2x tickets. 1 ticket was around the end of XXXX XXXX of this year and the second ticket was submitted at the end of XXXX of this year. These tickets were submitted to the department within US Bank that handles these requests. The tickets have the information for them to change the skypass # in my card to the correct one, which I have provided multiple times, which is : XXXX. 

This department can not be reached via phone and according to the supervisor I spoke to with today, not even they can call them, communication is all done through their internal ticketing system. My concern is that someone else may be enjoying my earned skypass miles and may have redeemed them and that I'm stuck with nothing. When I applied for the card, I supplied the correct number : XXXX but for whatever reason US Bank gave me the wrong number. 

To remedy this, I have tried claiming the erroneous number through Korean Air, but that is not allowed, as it does not match with my last name and birth date, which confirms that the erroneous number US Bank issued me belongs to another consumer. 

All I want is for US Bank to change my skypass # linked to my credit card to XXXX so I can use my miles that I have earned through my credit card usage. 

Any help will be greatly appreciated!
Product: Credit reporting or other personal consumer reports

I am writing regarding unauthorized accounts on my consumer report that are linked to confirmed identity theft. These accounts were added without my written authorization or wet signature. Despite my previous communication about this issue, these fraudulent items remain on my report. 

Under the Fair Credit Reporting Act ( FCRA ), I formally demand the immediate blocking and removal of these accounts from my consumer report within XXXX business days of receiving this notice. The presence of these fraudulent accounts has caused : - Significant emotional distress - Financial hardship - Inability to purchase a home - Difficulty meeting my family 's financial needs
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with my social security card on XX/XX/2021. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The card that was used to obtain a credit card was my social security card. It was reported to the credit bureaus as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed my active XXXX XXXX credit card from my credit report by mistake. The XXXX XXXX credit card is active that is my mine please add back to my credit report XXXX  XXXX XXXX
Product: Credit card

GOT A EMAIL SAYING SOMEONE APPLIED FOR A DESTINY CREDIT CARD, NO CARD EVER CAME TO MY ADDRESS, THEN I GOT AN EMAIL SAYING I APPLIED FOR CREDIT CARD PROTECTION. 
I DON'T KNOW THE DATE OR THE AMOUNT BECAUSE I NEVER APPLIED FOR THIS CARD.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian due to their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding their negligence in addressing my dispute and verifying the accuracy of information on my credit report. 

On XX/XX/year>, I submitted a dispute to Experian regarding inaccurate and unverifiable information appearing on my credit report. In accordance with Section 609 and Section 611 of the FCRA, I requested proper verification of the disputed account, including documentation proving my liability. Experian failed to provide the requested documentation and instead maintained the inaccurate information on my report, in clear violation of federal law. 

Additionally, Experians failure to conduct a reasonable investigation and correct or remove the unverifiable information constitutes willful and negligent non-compliance with the FCRA, making them liable under 15 U.S.C. 1681o ( Civil Liability for Negligence ) and 15 U.S.C. 1681n ( Civil Liability for Willful Non-Compliance ). Their continued reporting of inaccurate information has caused harm to my credit standing, and I hold them accountable for their negligence.
Product: Credit reporting or other personal consumer reports

I usually dont check my credit but recently did a pre qualification to get approved for another house as I am going to court to sell my current house I share with my eldest daughter XXXX XXXX . The loan officer noticed that there is a second mortgage on my credit that I am unaware of as I dont have a second mortgage. I contacted the XXXX today and the rep said she cant help me to contact the credit bureau which I have already done and they are telling me to contact the bank. I am legally represented by an attorney for the sale of my house and plan to get one to sue this bank if nothing is done about this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This is not my account. I tried to get them to adhere to the law. I was incarcerated. This is identify theft and fraud.
Product: Mortgage

Several weeks ago I went to pay my mortgage through XXXX. The online system was down so I called the phone number, they told me " there was an incident '' and their system would be back the following day. It was not, so I waited a few days and tried again. Online was still down, so I called the number. I was met with a recording that said their customer service and billing departments were not available until a cyber attack situation was resolved and only incident response was available. Speaking to the incident response team, I was told they are not able to take any payments. Its now been a couple of weeks, and online payments is unavailable, calling to make a payment they tell me they can not accept any payments at this time. I told them I have 2 days left till I am late, and I need to make a payment, and they said they could not help me and that I would owe late fees if I was late. I told them I am trying to pay my mortgage, and they have no way to take my payment why would I have to pay a late fee and take a hit on my credit. I was told this was my problem not theirs, and they would accept a payment if they could, but they can not. So I will have to deal with the repercussions because they are hacked and can not accept payments? I do not understand how this is legal. I just want to pay my bill, and they will not let me because they are hacked?? I have to pay fines because they cant take my payment? This is not OK, it should not be legal.
Product: Debt collection

The following is in response to Select Portfolio Servicings ( SPS ) letter dated XX/XX/XXXX, referencing CFPB complaint number XXXX. Please allow me to outline my continued unresolved issues/concerns. 1- SPS continues to claim XXXX XXXX XXXX XXXX , as indenture trustee for the holders of XXXX Trust XXXX ( note this has changed several times ), is the owner of the account. However, SPS has never provided any documentation substantiating this claim. A Notice of Servicing Transfer does not constitute XXXX XXXX   XXXX XXXX alleged legal ownership of the account. Please provide documentation legally substantiating this claim. 2- SPS has yet to provide me with copies of all property inspection reports charged to the alleged account and dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 3- SPS continues to claim, Our records show that the property address reflects the property address on the note. This statement is clearly a false misrepresentation of the facts. First, the alleged note states, YOU ARE GIVING US A SECURITY INTEREST IN  THE REAL PROPERTY AS DESCRIBED IN THE MORTGAGE AND LOCATED AT : XXXX XXXX, XXXX, NY XXXX. Again, an address is not and can not be used to legally describe a property secured by a mortgage. In addition, even if it could, as I have stated numerous times, the PROPERTY AS DESCRIBED IN THE MORTAGE, is not the property ( metes and bounds ) coinciding with the property address of XXXX XXXX, XXXX, NY XXXX. Additionally, the two previous notes and mortgages ( XX/XX/XXXX & XX/XX/XXXX ), allegedly consolidated with the alleged XX/XX/XXXX mortgage have two different addresses, which is XXXX XXXX, XXXX, NY XXXX. The zip code XXXX is not even the correct zip code for XXXX, NY. Secondly, SPS, as alleged servicer, has paid taxes on a property they are illegally associating with XXXX XXXX XXXX XXXX, NY XXXX, although current tax records indicate the property address as XXXX XXXX  XXXX. SPS has yet to sufficiently explain this discrepancy. Lastly, as the Fiduciary for the Estate of XXXX XXXX XXXX, I continue to dispute and refute any and all claims XXXX XXXX XXXX XXXX, as indenture trustee for the holders of XXXX Trust XXXX, or any affiliates have against the estate of XXXX XXXX XXXX. Based on the stated facts, SPSs response is both inaccurate and misleading. Im sick in tired of SPSs cut and past responses, which provides absolutely no resolution to my issues and/or concerns. I have previously provided documents to SPS, which fully substantiates my claims. A copy of this complaint will be provided to the New York State Attorney General.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I obtained my credit report on line. There is a XXXX XXXXXXXX XXXX XXXX XXXXXXXX item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both informed emphatically that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Namely, for any public record to be included on a credit report, it has to satisfy the following criteria : The public record has to contain, at minimum, the consumer 's name, address, plus a Social Security number or date of birth. Those requirements are not included on the report thus this item must be removed immediately.
Product: Consumer Loan

In attempting to refinance my student loans into a variable rate I was preliminarily approved at Lendkey. In order to proceed I had to acknowledge that I may be required to open an account and that my credit ( soft hit ) would be pulled to conditionally approve me and send to a lender that fit my criteria which I was fine with. Once my preliminary credit ( soft hit ) was run they sent me to the XXXX Credit Bureau out of XXXX XXXX. The XXXX XXXX XXXX ran my credit ( hard hit ), approved me and then sent me a link to open the account that was necessary. When clicking on the link it required that I either be a 1. employee, retiree, or family member of an XXXX XXXX XXXX XXXX, 2. Live, work, or go to school within Washington XXXX, or 3. Pay a membership fee to XXXX of the XXXX organizations that they support. When I called XXXX they stated that a person should not be really referred to them unless I met criteria XXXX or XXXX. While I was willing to open an account and keep a minimum balance or otherwise I was not willing to pay a membership fee to join the credit union to have an account when the purpose of the loan was to save money each month not to turn around and pay it back out to an organization. When I contacted Lendkey back they stated that they do not in any way monitor the requirements to open an account for the credit unions they work with and could not send me to another lender since I wanted a variable rate XXXX was the only one that qualified. If I did n't qualify for an account at the places I was eligible ( AgFed the only XXXX in this case ) and if additional fees to get an account would be required then this should have been disclosed upfront since I would n't have agreed to it early on and would have withdrawn my application on my own prior to my credit bureau ( hard hit ) being pulled. Since my credit had been pulled my score has thus dropped because of the inquiry. Therefore Lendkey misled me as a consumer and had no other options when the only credit union they could send me to was going to cost additional fees. They said if I was n't willing to proceed they would withdraw my application which of course they did after I said I was n't willing to pay fees to an organization I was n't interested in.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act : XXXX XX/XX/XXXX XXXX Inquiry, XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA Fraud Inquiry XX/XX/XXXX XXXX XXXX XXXX Fraud XXXX XX/XX/XXXXXXXX XXXX XXXX FRAUD INQUIRY XX/XX/XXXX XXXX XXXX XXXX NA /FRAUD INQUIRY XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX XXXXXXXX FRAUD INQUIRY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXFRAUD INQUIRY XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXXFRAUD INQUIRY XX/XX/XXXX, ARKANSAS XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FRAUD INQUIRY XXXX XX/XX/XXXX, ARKANSAS XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX FRAUD XXXX # XXXX XXXX FRAUD XXXX # XXXX XXXX XXXX FRAUD XXXX # XXXX XXXX XXXX/ FRAUD XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FRAUD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX  FRAUD INQUIRY : XX/XX/XXXX XXXXFRAUD INQUIRY : XX/XX/XXXX XXXX  FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX XXXX FINANCIAL/ FRAUD INQUIRY : XX/XX/XXXXXXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXXXXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX XXXX/FRAUD INQUIRY : XX/XX/XXXXXXXX XXXX FINANCIAL/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX ARKANSASXXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX FRAUD INQUIRY : XX/XX/XXXXXXXX XXXX FRAUD INQUIRY : XX/XX/XXXX XXXX BANK/ FRAUD INQUIRY : FRAUD INQUIRY : XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX/ FRAUD INQUIRY/ XX/XX/XXXXXXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : ACCT # XXXX, XXXX XXXX FRAUD ACCT # XXXX XXXX / FRAUD ACCT # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling but either disconnected while waiting or other issues. 

XXXX : I am requesting the 'parameters ' used to determine their Fair Isaic Code determination for the credit score matrix for ; 08, Too many inquiries last 12 months, 09, Too many accounts recently opened, 10, Proportions of balances to credit limits is too high on bank revolving or other revolving accounts, 14, Length of time accounts have been established, XXXX : I am requesting the 'parameters ' used to determine their Beacon Code determination for the credit score matrix for ; 00005, Too many accounts with balances, 00014, Length of time accounts have been established, 00030, Time since most recent account opening is too short. 

Trans Union : I am requesting the 'parameters ' used to determine their Empirica Code determination for the credit score matrix for ; 004, Lack of recent installment loan information 012, Length of time revolving accounts have been established, 014, Length of time accounts have been established, 030, Time since most recent account opening is too short. 

I would request their parameters for all the individual codes for future use. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

Greetings. This was my XXXX time I am sending a complaint through CFPB, with regards to the accounts I asked to remove. This time the XXXX have removed all the items I requested them to remove. The remaining issues I found were in my XXXX and Equifax Credit Reports. Below were the ACCOUNTS that I want removed. As I have been asking the Bureaus to fix these accounts but nothing happened. Also, I am humbly requesting the presence of Consumer Financial Protection Bureau ( CFPB ) to please assist me in fixing my credit reports : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXXXXXX Contacted third parties and shared my debt. Attempted to fraudulently letting them believe they owed the debt instead of me. Gave them a link to pay and everything including some document about disclosures. Not sure what the documents were but they are not on the lease or liable whatsoever. They have my info and how to reach me and I had contacted them before. Regardless just like the prior company they constantly violate the law and get away with it.