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

on XXXX 2023, XXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX XXXX and XXXX  and XXXX XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX. 

I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation letter, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX XXXX # XXXX, ( XXXX ) has violated my rights.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint concerning a significant data breach that occurred with Equifax in 2017, which has adversely affected my credit history and score since. 

Upon reviewing my credit report, I have noticed several inaccuracies and negative entries that coincide with the timeframe of the aforementioned breach. It is my belief that the data breach has directly resulted in these erroneous entries, thereby damaging my credit standing through no fault of my own.
Product: Checking or savings account

On XXXX XXXX dollars was transferred in to a square account. 

XX/XX/XXXX I tried to transfer the money out and make a purchase, it was denied. 

On XX/XX/XXXX I got an email saying my account was closed and I can wait 3 months latest XX/XX/XXXX for my money to be returned. 

On XX/XX/XXXX communication with 2 customer service representative that had no information but please see terms and agreement XX/XX/XXXX communication with a manager who stated I needed to complete a form and it wasn't complete so they closed it. He reviewed my account as I stated I received nothing form them not an email, nor app nor anything else. He said unfortunately it's the banks they partner with and I had to wait. 

XX/XX/XXXX I got a debit card from Square stating to activate. My account is frozen and I can't activate it.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to demand the immediate removal of fraudulent information from my credit report. The following accounts were fraudulently opened in my name without my authorization, and its presence on my report is damaging my creditworthiness. 

XXXX XXXX XXXXXXXX and XXXX XXXX  XXXX. 

These accounts are NOT mine. I have been a victim of identity theft, and I did not open these accounts. I demand that these fraudulent items be removed from my credit report immediately.
Product: Checking or savings account

I opened a new checking account with hsbc bank on XX/XX/XXXX using a promotion link that offered me a XXXX welcome bonus if I met the criteria in the offer. I met all the criteria but was never paid. Contacted them via message in their app on XXXX, received a response just restating the promotion details. 
XX/XX/XXXX received another message after inquiring again stating they were sending it to promotions team for review. 
XX/XX/XXXX received another email from promotion stating I didnt apply thru the right link. 
XX/XX/XXXX they restated the same message but asked me to provide more details. 
I couldn't upload documents using this system so I called on XX/XX/XXXX and spoke to XXXX employee # XXXX. He escalated the case and promised me a call back by within 5 days. No call back so I called back spoke to XXXX on XX/XX/XXXX. She promised me a call back on XX/XX/XXXX and never did. I called again on XX/XX/XXXX, spoke to XXXX # XXXX, she said XXXX would call me back within 5 min he never did. I can't continue calling and getting nowhere with this.
Product: Credit card

I have been trying to contact PayPal in regards to a cashback. I have not received from XX/XX/year>. I was told initially it takes up to XXXX  days after the XXXX  days I proceeded to call and spent at least an average of a half hour every time was placed on hold numerous times And never got an answer. The last phone call I made. I spoke with an agent who said somebody would call me within XXXX hours he also apologized for the inconvenience. I have not received that phone call. I have never had problems with cashback on items bought, and as you can see from what I am attaching, it has been purchases where I have made cashback rewards of up to {$25.00}. They have been unprofessional, and this is not fair
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently bank with Citibank and have a secured card with them. I always had automatic billing set up to prevent any missed or late payments. However once applying for a mortgage loan the Citibank secured credit card account reflected 4 late payments which is inaccurate. The representative I spoke advised me to pay the account in full and they would remove the late payments showing on my credit report. The representative took payment from me and then said he was transferring me to a supervisor so they could remove the late charges from my account. I was continuously hung up on for 3.5 hours never the getting the issue resolved. These late payments reflected are completely inaccurate and need to be removed from my account and updated with the credit bureau immediately.
Product: Debt collection

multiple calls with no message left on the answering machine - their number maps to XXXX  - apparently, a known abusive collection agency holding company. I owe no debts other than mortgage and a car loan - both are ahead of payment schedule and at last check, my FICO rating was XXXX! 

They are in violation by not identifying the company in caller ID and probably additional violations regarding their telephone practices.
Product: Mortgage

I applied for a mortgage modification on  XX/XX/XXXX , and was denied on  XX/XX/XXXX . I was told via phone by   XXXX   XXXX   XXXX  , a home assistance representative from M & T bank,  XXXX , that I was denied because my debt to income ratio was over {$2000.00}. The banks decision was not based on the completed budget sheet that is required in order to have a completed mortgage modification application. Moreover, I was told that even though my budget showed that my income could meet the monthly mortgage payment, the standardized, according to   XXXX   deduction, stated by   XXXX   XXXX   XXXX  , was used to make the denial decision. In addition, I was approved for a loan modification  XX/XX/XXXX , which was based on {$2100.00}, which I was approved for a modification. The modification was based on an income of {$3000.00} which I was not receiving at the time. Currently, I had a decrease in income of {$800.00} dollars. This is why I am asking to M & T to modify my mortgage for a second time.
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I wrote to the mortgage company to request that my mortgage be subsidized and if the lender could make use of the PMI for the money loss as a result of the missed monthly payments that have not been applied to my account. Additionally, I asked that the mortgage refinance and write down my mortgage so that I can stay in my home.
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I currently have a foreclosure mediation date scheduled for  XX/XX/XXXX  and hope tht this complaint is resolved before that date. In addition, my source of income is Social Security  XXXX , which is my primary reason for the change I am requesting.
Product: Credit reporting

I have disputed this many times the credit burerau finally said they needed supporting documents, so I uploaded my 2009 Taxes return showing the XXXX owned be a return. They need to show this as a WITHDRAWN TAX LIEN!! NoT a RELEASED!! 

Thank you
Product: Mortgage

I was banking with BB & T bank for 25 years and I did some investment packages ( Thou the returns that were not were even close ), I did not make issue out of it. In 2007 at the instance of Manager I moved the XXXX mortgage to BB & T. Recently when XXXX Manager Insisted I should refinance, I decide to go with and my paper work started. My loan was approved and all the paper work is done @ the final stage someone from loan dept started sending emails insisting I should send 1 ) Internet company -XXXX  XXXX credit rating 2 ) Social security benefits I drawn from SSA and statement. 

I have replied that I never took dime form SSA for 30 years or ever and I did not start any befits from SSA and XXXX XXXX is just internet company that provides that provides only internet services ( which I was shopping to see what is the best service in the market ). 
Despite repeatedly sending emails clarifying all and including other credit application those persons form the Bank never stopped -- finally I have to withdraw my application in spite of Bank saying sorry for all the things happened. 
I feel that Based my Ethic name all this harassment happened and if my name is XXXX, XXXX, XXXX, XXXX these questions should not arisen. 
BBT sent me letter mentioning my credit rating is XXXX and I'm above 99 percentile of American Consumer
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX ACCT # XXXX XXXX XXXX XXXX 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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; and ( ii ) the information is, in fact, inaccurate.

XXXX
Product: Checking or savings account

XX/XX/2023, I was blocked using my account and my pin # had been changed, again. not by me. I called the bank and told them I thought there was fraud on my account because less than 1 month ago, on XX/XX/2023, the same thing happened and all my money was stolen from my account via transfer of funds. They said no and guaranteed me I would be able to login to my account in 10 mins. That was a lie, I had to call 3 more times to finally get someone to send me the link to reset my password and when I finally got into my account, it was overdrawn {$100.00} when I had over {$1200.00} the night before. And every time I was on the phone with them, telling them I cant access my account and card was blocked, they were allowing someone to use my account, WHILE I WAS ON THE PHONE WITH THEM TELLING THEM ANY TRANSACTIONS OR ATTEMPTED TRANSACTIONS ARE FRAUD! XXXX {$89.00} XXXX XXXX {$48.00} XXXX XXXX {$19.00}. XXXX {$370.00} XXXX XXXX {$260.00} XXXX {$240.00} XXXX XXXX {$210.00} XXXX XXXX {$20.00} overdraft fee hold due to previous transaction. I called a total of 6 times and told them I was at work and had no access to my account. Seemed all the transactions were happening while I was speaking to them. And I was constantly placed on hold for a few minutes just for them to reroute my call back to the automated system just to have to explain everything all over again to someone else. No one actually did anything to help me only to allow the thieves time to get every last penny out of my account and then some. Then was told I couldnt even file a dispute because all transactions were pending and I would have to wait for them to post to dispute them, then wait another 14 days for provisional credit until they were done investigating disputes. They also didnt notify at all when someone went into my account and changed my email address, phone # and address. 3 different times today. They also allowed someone to create virtual cards on my account without notifying me
Product: Student loan

This is the second complain I have had to submit as the company ( Ed financial ) holding my loan has dodged any and all attempts at resolving this problem and has not complied with the first complaint i was forced to complete regarding my loan. Using my XXXX education award from my service in XXXX I authorized a {$5500.00} payment to pay off the entirety of my loan on XX/XX/2023 XXXX. This amount was then accepted by Ed Financial ( the loan holders in question ) on XX/XX/2023 XXXX. I have documentation to prove this. Despite this however they have made no adjustments to my loan in question or attempted to apply this payment to my outstanding loan. I have emailed them multiple times about this in an attempt to receive clarification on this matter and have received no response even after a XXXX business day response time. I then attempted to call them on XXXX to clarify this matter as they have started to charge interest on a loan that was paid in full last month. They proceeded to put me on hold for seven hours, and as of the time of writing this have made no attempts to call me back or respond to my emails. The document will be included below ( with personal information hidden as requested ). 

They continued to avoid any form of response until I filed a complain with the CFPB, in which case they still avoided any form of response until after a response was due. I received this response on XXXX in which they finally admitted that they had received my payment and are in the process of applying it to my account. This was three weeks ago as of the time of writing this and they still have not applied the payment which they confirmed they had received, and are still charging me interest on a loan that is completely paid off. I have tried to contact them about this oversight and they had continued to ignore any and all forms of communication about resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

At first They claim that I was late on my mortgage payments for over a year and half. after multiple contact and request I was finally able to locate and find the right institution to talk to and they failed to informed me of my misapplied payments. Moreover, they advived me that will take care of it right away. Now 45 days later they still haven ' done anything, and they refused to provide us with the proper document showing all my payment and not late payment for me to show my creditors. With that in mind I'missing out a lot of invesment opportunities.
Product: Money transfer, virtual currency, or money service

Ive tried getting refunds off my cash app and they never talked to me back
Product: Debt collection

SUNRISE CREDIT SERVI, has violated my rights. 15 u.s.c. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A. Section 2 : it also states a credit reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate. Please help me.
Product: Debt collection

XXXX XXXX XXXX XXXX has attempted to wrongfully foreclose on my home, claiming to represent Nationstar Mortgage as the named Plaintiff, and a foreclosure sale has been scheduled for XX/XX/2020. 

Nationstar Mortgage was never the legal holder of the note and/or mortgage to my real property. 

I have contacted Nationstar Mortgage regarding this foreclosure action, and they have repeatedly informed me that they are not the servicer and that they are not pursuing any foreclosure actions against my property. 

In fact, in a recent response to a CFPB complaint against Nationstar Mtg dba Mr. Cooper, I was informed by a representative of Mr. Cooper that there is nothing they could do about the foreclosure proceedings because they are not the holder of the note. 

I would like to verify whether or not Nationstar Mortgage has retained XXXX XXXX XXXX XXXX to represent them in this active foreclosure proceeding, or is this a sham proceeding? If Nationstar Mortgage is the true Plaintiff, why are they attempting to foreclose on my property when they have no legal authority to do so? 

Please help me resolve this matter in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This request to block the accounts listed below from my credit report is not made an error in my request to block information is not based on material misrepresentation and I did not knowingly obtained possession of goods services or moneys as a result of one or more of the transactions that I seek to block. Under 15 US C 1681C-2 you must block all fraudulent accounts. Since I attach my form of ID proof of address Social Security card FTC report. This complaint lists someone that your company should recognize as their customer of their customers authorized representative. 

You are reporting accounts that are fraudulent and accounts that are not mine! which violates my privacy. According to Congress I have the right to privacy the hard inquiries violate my privacy. I do not want information shared on my consumer credit report remove them immediately!
Product: Debt collection

I discovered a collection account while checking my credit report. The account was one I had no clue of and they never sent me a letter notifying me of the account, my right to dispute and a time limit to do so. as such i thought my only option had been to pay on a debt I didn't owe. Upon reading 15 usc 1692 also known as fair debt collection practices act and 15 usc 1681 also known as the fair credit reporting act, I discovered my rights to defend myself and ask for validation. This company however refused by sending me a letter stating I had 30 days to dispute and ask for validation. And they also included an invoice for the account which they stated to be " courtesy verification ''. That invoice itself makes no sense because all it proves is that someone claiming to be me may have opened an account not that I used thatservice or should be liable for the alleged debt. Their claim of a 30 day limit also is void as they never sent me the notice required by the FDCPA in the first place. How can a time limit dependent on my reciept of a written communication begin if they never sent me that letter. I also requested proof of the letter and the proof of mailing if they had sent it like they claimed. The only answer I recieve from that company is a template letter and their absolute refusal to follow legal guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

These following two accounts are not mines due to the fact that the orginal contract was cancelled immediately after the orginal creditor cancelled it. I do not have a contractual obligation with, ( 1 ) XXXX XXXX XXXX, and these dates I have no knowledge ofXX/XX/XXXX,XX/XX/XXXX, {$130.00}, {$350.00},, and in accordance with the FCRA law I'm requesting physical documentation of the above accounts, if not these accounts shall be removed.
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 ), account # # # # # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting the credit bureaus XXXX, Experian and XXXX to remove outdated accounts from my report now for over 12 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Delaware. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Product: Credit reporting or other personal consumer reports

I had a Walmart credit card and payed on it regularly. I bought an XXXX and I have buyers remorse and they wouldn't take it back I spoke to them many times. I told them about my identity theft problem and fixed income. They had no compassion and harassed me with many many phone calls.