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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account names : XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX {$900.00} XX/XX/XXXX has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX of the United States of America at the time the account was opened. I am a 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 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTOM F AN IDENTITY THEFT, AND I HAVE SUBMITTED ALL REQUIRED PAPERWORK TO THE BUREAUS AND TO THE BANK BUT SEEMS LIKE THEY ARE PLAYING GAMES AND TREATING ME THE CONSUMER AS A LITTLE KID, EVERY TIME I CALL THEM EITHER THEY DON'T HAVE NAY INFORMATION, THE ACCOUNT SHOULD BE REPORTING, THEN THEY ASK ME FOR IDENTITY THEFT REPORT, WHICH I SUBMITTED NUMEROUS TIMES, NOT ONLY I GAVE THEM THE IDENTITY HTEFT REROT, I ALSO GAVE THEM POLICE RPEORT. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT REPRT.
Product: Credit reporting or other personal consumer reports

Commencing XX/XX/XXXX I have called XXXXXXXX XXXX ( as listed on my documentation ) to question why an excessive number of 30/60/90 day lates were reported for the last 78 months on my credit reports. Did not know I was being passed to the loan administrator XXXX XXXX. More than 17 dispute requests were submitted to XXXX requesting a review of payment account history be made for which I submitted proof of payment in the form of bank statements and electronic exports from my checking account. End result was XXXX made a partial correction without explanation as to why and how the calculations were made. Additionally, bank history for the 6.6yrs of the loan is no longer available on the XXXX website. No explanation as to why the XX/XX/XXXX payment was not recorded, but the XX/XX/XXXX was resulting in a rolling 30/60 late history for almost 2 years. One again opened disputes with all 3 credit bureaus on XX/XX/XXXX and sent the same supporting information to XXXX via the encrypted mortgage portal asking for a review. Receive a message on XX/XX/XXXX asking me to obtain a transfer form from my institution. I called XXXX XXXX and XXXX asking why I needed to obtain an internal bank record as proof when it was clear the payment was transferred by institution as seen on the bank statement. Was essentially ignored and was told there was nothing they could do and they couldn't see the supporting documentation provided. Received a phone call on XX/XX/XXXX from XXXX posing as XXXX to query about a negative customer service survey and ask how I was doing getting the documentation for the interbank transactions which is not privy to consumers ; they needed to add notes to my file.I have spent more than 24 business hours on the phone with XXXX XXXX being passed around of disconnected under the guise of " waiting for a supervisor. '' My new mortgage lender has been unable to speak to anyone although I have submitted wet signed paperwork permitting discussion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I listed my Home for sale, and I was not I could not continue to make.I am a XXXX XXXX XXXX. I got a Buyer and we were in escrow to close the sale.XXXX XXXX would not work with me I got attorney to help me. We file a petition with the court and got a automatice stayon XXXX  XXXX,2011.I sold the property to Buyer, XXXX XXXX was paid in Full..
I did not have the funds to go forward with the automatic stay. We withraw the petition on and close the case in 11 days after we file the case was dismissed.and the case was dismiss on XXXX. XXXX, 2011.The case was dismiss in 20 days.no lender was effective by fhe filing, it was withdrawn in 20 days and should not been on my credit report.I am disputing this reporting Under the Fair Credit Reporting Act. The Bankruptcy should not be on my credit report. this loan is over 7 years, should be remove. from all XXXX credit agency.This Bankruptcy was with drawn and 11 days and should not been on my Credit files report. Please see the letter attached to this complaint from Attorney XXXX..
Product: Credit card

My husband is on XXXX XXXXXXXX XXXX Orders which makes us eligible for the SCRA benefit. I applied for the SCRA benefit with JP Morgan Chase Bank and they ultimately declined my request since the account is not in my husbands name and since we dont live in a community property state even though XXXX is. The SCRA act is for service members AND their spouses. I successfully used our SCRA benefits for all of my other banks and lowered my interest rate to 6 % besides Chase Bank. I meet every single requirement for these benefits, however Chase Bank told me it is up to each bank to interpret the service member civil relief act how they see fit. I find this to be completely wrong and unfair.
Product: Student loan

I was paying XXXX XXXX {$200.00} a month, had it down tob {$19000.00} then they said that was n't good enough and wanted {$350.00} a month. I told them, i could n't afford that. They were very rude every time I tried I work something out. Recently I found out they had written off the loan and have sold it to XXXX different collection agency who are now charging me over {$33000.00}. I 'm literally afraid that they will ganish my wages. Of the do I 'll lose my house, car and my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been trying to dispute inquiries on my Equifax, XXXX  and XXXX  but every time they don't remove the inquiries and they are still on my report. I did not authorize these inquires and they are fraud which i explained to them but they wont remove them.
Product: Credit reporting or other personal consumer reports

I got my credit score from XXXX XXXX and someone with my social security number has had a credit card open since XXXX According to FICO
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 True identity theft ) REPORT NUMBER : XXXX  Report Number : XXXX TransUnion File Number : XXXX i am a victim of the XXXX data breach and ive filed my claims accordingly ive been attempting to clear my credit report of these fraudulent items as far back and ive been unsuccessful XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX CRA : AMEX CRA ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX XXXX , was denied an extension of credit by American Express XXXX On XX/XX/XXXX, I applied for XXXX XXXX XXXX. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX XXXX XXXX Without XXXX, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; 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 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 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 XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

Sallie Mae dropped the ball with the repayment plan and did not do as they stated they would to fix the incorrect information on my credit and my co-signers credit report. 
When calling to resolve the issue there was a run around, never speak to the same person. Ive reported it to the credit bureaus as a dispute and they deny it and still will not fix the information. 
I have proof that Ive been paying monthly in a repayment plan since the 60 days they claim Im past due. They stated on the phone that this would NOT affect my credit. And lied and it has. I am unable to get a lease to live, or refinance. This is affecting my life negatively over their mistake
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am a current victim of getting my account hacked on Robinhood. I have sent several emails, contacted them on XXXX, phone, and their help center service, and have not gotten a response. I was able to see unauthorized transactions appear on my XXXX device notifications but not sign into my account because it was compromised by the hacker/fraudulent person. Robinhood still has not contacted me to help me get into my account or see what unauthorized changes were made. 

I believe I have lost several XXXX of dollars but can not confirm until I am able to get Robinhood 's help to access the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Mortgage loan with XXXX  XXXX, and in XX/XX/2019, I had my loan refinanced by XXXX XXXX, the loan was paid in full to XXXX on XX/XX/2019, but the problem is XXXX   XXXX is reporting the the Credit agencies that I was late 30 days in the month of XX/XX/2019 and XX/XX/2019, I have called them several times explaining the mistake they made, and still XXXX do not fix the issue, Also I have contacted the Credit agencies especially Experian to try to address and get it fixed, but experian is not taking any action to correct my credit report, even I have provided withe the proof that may loan was paid off on time to XXXX, also XXXX had acknowledged that there was an error on their part, however since XX/XX/2019 still has not fixed the mistake they made with the credit agencies
Product: Debt collection

I am writing to formally dispute a fraudulent entry on my credit report related to an account opened in my name without my knowledge or consent. My father, who is now deceased, appears to have taken out a loan in my name when I was only XXXX XXXX XXXX, while I was living with him. At that time, I was a XXXX XXXX  with no job and did not have the means to apply for or manage any loans. 

The account in question has recently come to my attention, as it appears on my credit report, and I believe it was obtained through identity theft. I do not recognize this debt, nor was I aware of its existence until it negatively affected my credit score.

I kindly request that you investigate this matter promptly and provide me with any necessary documentation to support my claim. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe to be inaccurate. I am also requesting that you remove any negative information related to this fraudulent loan from my credit report. 

Additionally, I have taken the following steps to protect myself against further identity theft : Fraud Alert : I have placed a fraud alert on my credit report, informing potential creditors to verify my identity before issuing credit in my name.

Identity Theft Report : I am in the process of filing a police report and creating an identity theft report, which I will provide to you upon completion.

I appreciate your immediate attention to this matter, as it has significantly impacted my financial well-being. Please let me know if you require any further information or documentation to assist in your investigation. 

This loan was apparently taken out online and was not done with my consent neither did I profit from any of these funds received. As a XXXX XXXX with no job I never had means during this time to even afford to re-pay such a debt with no job. I have my father 's death certificate in which he passed away from XXXX XX/XX/year>. I should not be legally responsible for a debt that 1. I never applied for, 2. I never benefited from 3. I should've never qualified for at the at of XXXX with no job to show the company that I had means to re-pay. Also, I never received communication from the creditor regarding this debt Absolute Solutions that they claim to have sent me. I would also like to see proof of that communication as well as MY Signature on documentation approving a loan. If payment was made it was not from MY account or from me.
Product: Credit card or prepaid card

Our XXXX  XXXX used the square online site to do card purchases. We received an email stating we are shutting down your square account with specific reaso. It is all over the web that square does this and all complaints are same. I've tried for days to contact square with no luck. You can't speak to anyone over the phone. Emails do not get responded to.
Product: Debt collection

Chase Auto is attempting to collect on a payment that has already been taken from my Chase banking account. I have made consistent on time payments that automatically get deducted from my Chase account and sent to my Chase auto loan. Chase auto claims they never received the payment made in XX/XX/2020. However, my bank shows that it was paid. Ive experienced extremely long wait times to talk to people and no one has been helpful. I was finally told that someone would investigate the issue and follow up with me in two weeks. I was told to take no other action until the investigation was completed. However, Chase Auto has reported a past due balance to the credit agencies and my credit score has dropped significantly. Im in the process of refinancing my mortgage and this is causing major issues.
Product: Mortgage

Problem started First week of XX/XX/XXXX, after 100 % XXXX sought escrow to be reduced because of property tax reduction that would decrease our monthly payment over {$130.00} or more and as I contacted the mortgage company and asked what they needed and sent in the awards letter and the new tax estimate directly from the property tax commissioners office with his name and telephone number on the paper ( I submitted 4 times to an XXXX that identified herself as in the escrow DepXXXX of the mortgage company.. The Company on several occasions even spoke to a 3rd party including me on the call From a XXXX XXXX  company verifying if I had a mortgage with this company and they said on several occasions our loan number was not with them ; however, we have never missed a payment or had a late payment in any mortgage history. We have been canceled by 2 reputable mortgage companies because this company placed us unknowingly on a forbearanceXXXX XXXX XXXXXXXX situation that was explained to us by another mortgage company that we were blocked from securing refinancing because of this major decision made by the mortgage lender without our knowledge and consent the lady XXXX called me on XX/XX/XXXX and said everything had been corrected and our records were clean and I requested a letter stating this because we need PROOF that we never asked to be put on forbearanceXXXX XXXX as this s has caused us major intentional delay and excess spending because of this company not honest and willing to correct and release accurate information on our account.. they have been collecting our money including the call on XX/XX/XXXX and paid on the phone with a confirmation given to be called again by XXXX on XX/XX/XXXX saying payment didnt go through and I told her this is out of order and I will not be penalized for her mistake and checked with my bank from another line and they said that amount was not taken she promised that since it was their fault about the transaction there would be no late charge.mind you as I had received the XXXX statement prior to call and checked my email XX/XX/XXXX and the Company has issued another statement with a {$30.00} late fee! PLEASE HELP US RESOLVE THIS AS WE FEEL THAT THE MORTGAGE COMPANY SHOULD REIMBURSE US ALL THE EXTRA MONIES WE PAID ON OUR MORTGAGE AT THE HIGHER INTEREST BECAUSE THEY INTENTIONALLY DID THIS TO US BECAUSE THEY KNOW WE HAVE NEVER MISSED A PAYMENT AND WANTED TO REFINANCE WITH ANOTHER COMPANYTHE MONTHLY REFUND SHOULD BE GIVEN FROM XX/XX/XXXX THROUGH PRESENT
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear Consumer, Financial Protection Bureau, I am writing to formally dispute inaccurate information on my credit report maintained by XXXX, XXXX, and Experian. I believe that these credit bureaus have violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), by improperly reporting information about my account.

The disputed information is a late payment that was improperly reported on my credit report. These late payments is in direct violation of FCRA law and negatively impacted my credit score. 
I am requesting that the aforementioned credit bureaus immediately investigate this matter and correct the inaccurate information. I request that the late payment be removed from my credit report and replaced with a notation stating that the account is " paid as agreed '' or is in " good standing. '' I have attached copies of my credit reports for your reference. I am also enclosing supporting documentation that demonstrates the inaccuracy of the reported information. 
I understand that under the FCRA, I have the right to dispute inaccurate information on my credit report. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that my credit report is accurate and complete. 
Furthermore, I would like to point out that according to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does not include : Information solely as to transactions or experiences between the consumer and the person making the report ; Communication of that information among persons related by common ownership or affiliated by corporate control ; or Communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. The late payment reported on my credit report falls under the category of information solely as to transactions or experiences between the consumer and the person making the report. As such, it should not be considered a consumer report and should be removed from my credit file.

I believe that this inaccurate information is in violation of the FCRA and is causing me significant harm. I request that the CFPB take immediate action to address this issue and ensure that my credit report is corrected. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I did not give my consent for my private info to be reported on my credit report XXXX of XXXX XXXX {$610.00} I never had a agreement or a account with this fraudulent company.