23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was a Victim of Identity Thief and Fraudulent Schemes from XXXX. My Personal Information was compromised and sold on the dark web. I applied for a Lease and the Imposter sent and application, I applied and sent all requested documents. These Documents Included all my Personal Information/Banking Account Numbers/ Copy of my SSN Card/ Driver 's License, Residential information from the past 5 years. I filed a Police Report, but wasn't able to retrieve the rental Deposit of {$2500.00} I deposited Into the XXXX XXXX XXXX
Product: Debt collection

I sent certified mail to credit collections management at XXXX XXXX XXXX in XXXX, MA. I requested that they sent me a copy of the original purchase agreement, the account ledger, the amount, owed and how much they paid to get this account. The letter was mailed to them certified mail XX/XX/year>, and they have never replied. It is for counts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The letters were sent with the hitting debt validation letter
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account remains on my credit report after submitting theft affidavit and police report. Been over 30 days
Product: Payday loan, title loan, or personal loan

On XX/XX/19 I was automatically denied for a loan that I was preapproved for up to $XXXX for a home equity line. The mailer includes my debt and market value of home. I went online, used the code given in mailer, filled our income info and was immediately rejected. Nothing about my home or how much I owed or needed to borrow.The mailer is completely misleading. I recorded a text chat where I was given very conflicting answers from their customer support manager.This is nothing more then a lead farm to run soft credit checks for personal loan potential. The home value or equity you have is not used in the approval process.The customer service manager (XXXX) boasted their automated underwriting that took less than 10 seconds was efficient. Though she could not explain why they used information in the mailer that was not used at all during approval process.Complete scam for approval
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company, XXXX XXXX XXXX, purchased XXXX XXXX. They transferred my mortgage to XXXX XXXX which is now a subsidiary of XXXX. XXXX XXXX  is reporting my mortgage as being modified on the date the transfer was completed. My credit score dropped significantly as a result. My mortgage was NOT modified, it was transferred and I had zero control of that decision. 
I want XXXX XXXX to remove the false report stating my loan was modified. 
Second, my XX/XX/2019 escrow payment was paid to XXXX and never transferred to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we were struggling to pay our mortgage due to loss of income. I tried to work something out with the credit union ( such as lower payments ) to no avail. In early XX/XX/XXXX we were offered to settle with the XXXX XXXX XXXX XXXX, XXXX, ME by forfeiting the home as " deed in lieu of foreclosure ''. We decided to do this because the legal representative from XXXX XXXX XXXX XXXX, XXXX, XXXX advised us that it would " look better on the credit report '' to have deed in lieu vs. foreclosure. On the credit report it clearly states " foreclosure '' and not DIL. I have tried on several occasions to get this changed on my credit report, even engaging a credit repair company to correct. The credit union states that it is not their fault that the credit bureaus are showing foreclosure and that it is because that is the only term they use for home surrender. Another problem is that when I contacted XXXX XXXX, XXXX, they stated that the " foreclosure '' happened in XX/XX/XXXX. The house was re-sold and occupied in the first week of XX/XX/XXXX so this is not even possible. Also, the representative from XXXX XXXX XXXX XXXX stated that entering into DIL would be put back to the original surrender date of XX/XX/XXXX by us agreeing to the surrender. After reading your webpage regarding foreclosure and DIL, I have the distinct impression that there should be a difference in how this is noted on my credit report. Can someone please help me get a straight answer from these corporate agencies and get my credit report to reflect what actually occurred and when?
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act all inaccurate items must be removed from my credit I didnt authorize these charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company refused to produce enough information to verify the debt. The will not send me copies of the signed contract with my signature.
Product: Money transfer, virtual currency, or money service

I have a cash app a account and I use it from time to time on Friday ( yesterday ) I cashapped my mom money for rent. My fianc called me and asked why I send her the payment multiple times It was XXXX to my mom XXXX XXXX ( we have a joint account ) I told him I didnt I looked in my cash app account and it only had one transaction. I then look at my banking mobile app and saw someone is using my debit card on there cash app and sending money from my bank account to theres. I immediately called the bank reported my debit card lost/stolen. I then contacted cash app via there support team on XXXX and demanded a refund. They allowed someone to upload a card to there cash app that didnt belong to them. They basically said they couldnt help me and to contact my bank. This is fraud I dont know the people who the money went to and I want a refund and my card to be removed from there cash app although I already closed the card I also filed a police report. The total amount taken was XXXX I have no idea who XXXX XXXX is or XXXX XXXX.
Product: Checking or savings account

I need Bank of America too send the right amount from checkings too XXXX XXXX.
Product: Debt collection

Capital One has consistently been reporting to credit agencies a different amount than is owed. The debt has been verified by XXXX XXXX XXXX, they initiated a garnishment against myself for the debt. The garnishment has since been completed ( XX/XX/23 ) and there is a remaining balance, however the updated balance as of ( XX/XX/23 ) is substantially more than is actually owed. I have filed several reports inquiring about the balance and have yet to have any clarity, but i do have documentation proving that it is not that high. Please refer to the email screenshot provided.
Product: Money transfer, virtual currency, or money service

I am writing to say that Zelle has failed to protect its customers and has made things easier for the ever growing scammers that are among us. When asked what can be done to stop hard earned money from being taken maliciously isnt okay. Its time to protect your customer and not continue to allow scammers to find your holes in what you created.
Product: Debt collection

Vance & Huffman LLC is a company on my credit report in which I have no knowledge of. I didnt receive any debt validation information, or any correspondence from them. This company has violated my consumer rights. The amount being reported isnt accurate Ive never had any accounts with a balance as such. I disputed this and it was removed. But once again reported. I want this addressed asap and this company is to remove this off my report asap.
Product: Debt collection

Midland funding has recently reported a debt on my credit reports that do not belong to me in the amount of {$940.00}. The alleged credit appears to me a company named XXXX. I asked for debt validation as allowed under the fair credit reporting act, and I was sent a statement with the name XXXX XXXX ; however the address listed that allegedly belongs to me was a XXXX XXXX XXXX that was illegible, and cut off, nor did the list the items that are required to validate a debt. I did not receive an original contract, a statement of transactions. They are also not allowed to report it under the Fair Credit Reporting Act ( FCRA ). Doing so is a violation of the FCRA, and the FCRA states that I sue for {$1000.00} in damages for any violation of the Act. 
A collection agency CAN NOT report a debt to the credit bureaus which has not been validated, and, I can sue in federal or state court and could receive {$1000.00} for the incident plus damages, which I plan to do if this matter is nor resolved. This company had been involved in multiple class action lawsuit suits in regards to buying junk debt and harassing innocent people.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to TRANSUNION see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or DELETED immediately. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXXXXXX XXXX did a background check on me and it is showing on my background check license type : passenger, but I am the driver for this vehicle. I would like this to get resolved ASAP. This is regarding possible employment. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$9200.00}
Product: Mortgage

My mortgage was acquired by GreenTree/Ditech financial.nearly 3 years ago. Shortly after it was acquired they proceeded to modify terms of it even though I had gotten a letter that stated that nothing would be changed in terms of my 1999 loan. First the stopped applying excess funds to my loan balance and told me it was their policy to do it. Then they told me that they were going to start escrowing my account even though I have never had one to make it easier to resell and continue serving loan. This not only added escrow fees but gave them free loan of funds to use. I refused to agree and continued paying my taxes myself and paying mortgage. They stopped applying funds to my mortgage some time ago and placed them in escrow or somewhere else and withheld thousands from loan payment and run up late fees, extra interest and damaged credit to make it impossible to refinance loan. Talking to them about it is a waste of effort. I can documentment all payments sent to them in a timely manor. Concerned I could possibly loose house
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, as the duly appointed Subrogee and Executor of the XXXX XXXX XXXX XXXX ESTATE ( and any and all derivatives spelling ) have been seeking for immediate action and fiduciary trusteeship oF EQUIFAX due to erroneous information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. EQUIFAX has failed to properly remedy and investigate this matter. SEE ATTACHMENTS for further detailed and all notices and documents that have been sent to EQUIFAX, including USPS tracking number and screenshot of date of delivery. You EQUIFAX are reminded of your fiduciary obligations under trust law, which obligate you to act in good faith and protect the interests of the Beneficiary ( XXXX XXXX XXXX ). One of the principles of equity is " One who comes to equity must come with clean hands ''. EQUIFAX has a fiduciary RESPONSIBILITY to be in honor and act in good faith. Im expecting no more than 5 ( five ) business days for our credit file to be updated with the accurate information and status [ SEE ATTACHMENTS ], as it should have already been. Another principle of EQUITY is " Equity recognizes what should have been done as already done ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 2XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$8900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX  ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : I am writing this letter to dispute this debt collector off my credit report. I have reached out previously to XXXX XXXX XXXX requesting that they provide proof of validity of debt, in which they only provided a partial amount. They placed 3 items on my credit report one for the balance of {$240.00}, {$1000.00}, and again {$1000.00}. These debts are not mine. I am requesting that they be removed off my credit report. 

I have enclosed the letter I sent out to the company previously and their response. I had previously filed a complaint with them to dispute the items. Please remove all three items from report they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two Hard Inquiries on my Equifax Credit File that I did NOT give permissible purpose to pull as required by law. 
XXXX XXXX on XX/XX/2019 and XXXX XXXX XXXX XX/XX/2019. I have been a victim of Identity Theft in the past and I imagine this is where the XXXX XXXX inquire came from and the XXXX XXXX XXXX was never approved by me to do a Hard Pull. I have had accounts with them in the past. They should have done a soft pull only if they needed to service an account or look into my credit file again. I did not agree or approve this Inquire. 

Also my name is XXXX XXXX XXXX I have requested that they correct it also. They keep reporting XXXX XXXX and leaving out my middle name. This has caused problems in me obtaining the correct score in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Macy 's Department Store I had a Macys charge card with a XXXX balance. I made a purchase in 2018 and charged it to my card. 
I paid the bill in full but it was about 20 days late Since then interest & penalties have been accumulating to a total of {$300.00} until they finally dismissed it. 
and then tried to ruin my credit with all 3 agencies.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX XXXX is reporting late payments as well as delinquencies when it comes up on my credit bureau 's. This account was paid in full XXXX year before the loan length. I should show a " XXXX '' balance paid as agreed but they continue to report late payments. 
As per your rules XXXX I have never been given an opt-out notice nor have they followed Title 15 chapter 94 Commerce and trade Subchapter Sec. 6802- obligation with respect to disclosures of personal information. They never supplied section 6803 as prescribed under section 6804. I am asking for a complete removal of this reporting to all credit bureaus.
Product: Payday loan, title loan, or personal loan

I received marketing from OneMain Financial. I have used XXXX Opt-Out, the DMA, and National Do Not Call to stop getting calls from telemarketers and credit card offers. I still continue to receive offers from companies who do not honor my request. I am asking that all companies that violate this are cited for the violation. XXXX XXXX repeated marketing to me for years after my request and even after repeated requests to stop their marketing i still received marketing. As with XXXX XXXX i am asking for {$1500.00} per violation and that the companies are cited for these violations.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report from Equifax as of XX/XX/XXXX and noticed that the account identified as XXXX XXXX {$910.00} is a charge-off account that is reporting as open. this a reporting violation under FCRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial hardship and I seek appropriate redress for these violations.
Product: Credit card

I have been a Discover credit card member since 2005. Several years ago, I used the card to purchase home improvement material. The monthly payments were being made on time. However, after making payments for some time, Discover representative informed me that the low promotional interest rate would now change to higher interest rate. While I tried to explain this promotional rate should remain, they would not hear of it and raised my rate to around 9 %. After another year of making on time payments, Discovered called again and raised the interest rate a second time to around 16 %. I objected to raising the rate on purchases that were initially made on a low promotional rate offer. In addition, for no reason provided, Discover significantly reduced my limits on the card to the balance remaining further preventing me to purchase on the card. I continued to make on time payments, and once again Discover reduced the limit to balance remaining. This practice of reducing limits continued as the principal was paid down. I objected that if I am making on time payments at higher rates and never late, why the reduction in credit limit. The bank stated that this was their normal practice based on review of my credit card statement. Again, I had no choice but to continue to make monthly payments on a higher interest rate. Finally as recently as a year ago, the rate was once again raised to 21 % and the credit limit was once again reduced. I believe the bank is illegally changing terms in the middle of the contract and continuing to raise interest rate higher than those offered by competing banks. Also, Discover continues to reduce my credit card limit although payments are always made on time. This is not a fair bank practice and in my opinion illegal. A loyal customers like myself who has been with this bank since 2005 should not be taken advantage of and who has demonstrated good on time payment history. Because the bank unreasonably increased my rates several times and reduced my limit several times, these actions by Discover has placed undue hardship on me and my family, taken advantage of my financial situation, and in my opinion is an illegal practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian on XX/XX/23 to update this suspicious information. I think they have not validated this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 


XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

After a thorough review of my credit report, I have identified what I believe to be an inaccuracy in the reporting of this bankruptcy. As per my records, the bankruptcy was discharged, and I contend that it is currently being reported inaccurately. I kindly request that you investigate this matter promptly and verify the accuracy of the information associated with the mentioned public record. If it is indeed reported inaccurately, I request that you take the necessary steps to rectify the error and update my credit report accordingly. I understand that accuracy in credit reporting is crucial, and I am eager to ensure that my credit history is a true reflection of my financial circumstances. I appreciate your attention to this matter and expect a thorough investigation within the timeframe stipulated by the law. US BKPT CT CA XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from Equifax. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. XXXX XXXX XXXX obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;