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

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : 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 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 card or prepaid card

This is for the credit card ending in XXXX. 

Bank of America is XXXX  and the people who work there are thieves. One particular employee, XXXX claims that {$140.00} was placed back on to my card on XX/XX/XXXX. I am disputing this amount with XXXX XXXX ( XXXX. ) The bank can not locate where the funds went XXXX! So XXXX made up at the top of her head XX/XX/XXXX I was recharged but every time I ask her for proof of the recharge she says No!!! Thats proof right there this bank is shady!!!! Dont let this bank get away with this. I want my money back!!! THEY HAVE IT. I went through a complaint process with XXXX for XXXX too and XXXX  investigated it throughly and said its BOA who has my funds NOT XXXX!! So since BOA is incompetent and fails to realize their error, Im left without renters insurance and it is still on my card!!! They stole from me!!! Please escalate this to someone higher. 

Short summary of what happened : : XX/XX/XXXX purchased renters for {$140.00} Disputed that amount on XX/XX/XXXX since they didnt send any proof of coverage. It was then put back on XX/XX/XXXX but on XX/XX/XXXX it was declined by BOA. 
According to this girl XXXX it was placed onto my card on XX/XX/XXXX. What bank cant provide a proper document of that??? This is illegal and this is why they are acting shady!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Date opened XX/XX/year> Balance {$890.00} Status Open I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXXXXXX XXXX XXXX ( MO ) XXXX XXXX, XXXX. I PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS According to 15 USC 1666b, you have violated my rights by unlawful communications. Please remove this from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a 609 dispute letter to XXXX, Equifax and XXXX on XX/XX/21. It has been over 30 days and they have yet to provide me with the results of the investigation. They have been reporting inaccurate Information. I have also sent a demand to comply letter on XX/XX/21 to the Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/14 XXXXXXXX  I CALLED XXXX AND REQUESTED NAME AND ADDRESS CORRECTION. I SPOKE WITH 2 DIFFERENT REPS AND WAS TOLD IT WAS COMPLETED AND WILL BE UPDATED IN 72 HOURS. NO CHANGE HAS BEEN MADE AND I AM HAVING A HARD TIME OBTAINING HOUSING. 

THEY STATED IT WOULD BE FORWARED TO XXXX AND TRANSUNION..
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name ; XXXX XXXX XXXX. 
Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. 93 ) & ( XXXX XXXX  XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting my identity stolen. There is one credit card, one collection, and one Bankruptcy on there that is not mine. I also have family members with names similar to mine. The there are addresses on my report as well that are not mine, I never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  XXXX XXXX XXXX XXXX XXXX XXXX to clear fraudulent accounts off my credit report and have not gotten anywhere. They told me to submit my request directly with the 3 major credit bureaus. I have sent in 3 valid identity theft and police reports and still nothing has been done.
Product: Payday loan, title loan, personal loan, or advance loan

The creditor offered an offer for an extension of credit as a purchase money loan. I accepted the counteroffer in the amount of XXXX. In return for the credit in the amount of XXXX I sold Navy Federal Credit Union a Note for XXXX for valuable consideration. 
The note was payable to the order of Navy Federal Credit Union ( creditor ), signed by the ( borrower ) and dated XX/XX/2023 on its face in accordance with the Bill of Exchange Act of 1882. 
The creditor has continued to request other acts beyond the payment of the loan which violates simple contract law. They have now caused commercial harm by presenting negative and derogatory items to companies even while I complied with the payment of monthly bills. 
This is the second complaint filed for remedy. The last response was not accepted by the borrower and this is the second notice, giving the creditor an opportunity to cure.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX ( XXXX ) claims to have investigated the complaints and verified the PRA accounts ending in XXXX and XXXX, the accuracy of the information they furnished regarding the accounts. But have failed to provide my any documentation proving so. No original contract no purchase agreement not a single document providing the have the legal right to collect this debt. My contact Information regarding this debt was obtained illegally as a form of aggravated I identity theft. PRA confessed Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX. I never gave XXXX XXXX permission to give any information to this company. I never gave PRA permission to request my information in any compacity per 18 U.S. Code 1028A - Aggravated identity theft. ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( XXXX ) XXXX offense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. I never gave this company person to contact me or furnish data on my behalf. I have never even been contacted to dispute the collection of this debt PRA claims to have sent its initial notification letter to our customer on or about XX/XX/XXXX, XXXX but I received no record of this no tracking number no documentation at all presented. I have never received any thing due this company XX/XX/XXXX. Please provide documentation proving this initial communication has been sent and received XX/XX/XXXX XXXX. PRA confessed to another crime .. we purchased the accounts and obligations XXXX XXXX XXXX XXXX had with XXXX XXXX to pay the balance due, no other contract between XXXX XXXX XXXX XXXX and PRA is required to validate the accounts. That is a violation of contract Law!! If there is an alleged contract between both parties A ( XXXX  XXXX ) and B ( XXXX XXXX  ) .. XXXX XXXX has not lawful right to sell that contract with out first obtaining written consent and per mission to do so which I have never provided. PRA must provide A bilateral contract. Which is is an agreement that binds two or more parties legally on pre-decided terms and conditions.. signed and dated with all three parties to PROVE they have legal right to collect this debt. 31 U.S. Code 3718 - Contracts for collection services. this company has been illegally conspiring with XXXX XXXXXXXX in an attempt to force Me to pay them a debt I do not owe. This account was formed illegally! I demand it be XXXX out and removed immediately!
Product: Checking or savings account

unlawfully garnished the accounts XXXX institution for processing illegal, out-of-state garnishment orders against its my bank account. XXXX XXXX  unlawfully froze my account, garnished funds, and sent payments to fake creditors based on out-of-state garnishment fake court order. Its a fake order because it was not a judge or real court meaning being recognized by the state constitution. There is not proof that a real court order exist, a real judgement and writ of execution to collect a debt does not exist. All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. Also the program that claimed to be creditors are not listed as debt collectors and not registered with the XXXX of XXXX of Florida to do business or to be able to collect a debt. They did not credit me anything, they have not validated any debt or given any consideration to I. XXXX will not allow a statue to be used as a cloak for fraud. 

Unlawful garnishment that has injured me and caused involuntary servitude. XXXX XXXX cooperation with corsairs ( con-artists ) at the expense of me. Also if debt can only be paid with gold and silver according to the article 1 section 10 of the u.s. constitution why did that take currency from my account. 

garnishments that are usually designed to make sure people have money left to live on following garnishment. Financial institution left my account balance was left to zero balance. 

I do not ingress in florida where the fake order was established.
Product: Credit card

On XX/XX/2016 I applied and was approved for a Platinum Card with a sign up bonus of XXXX points under the condition that I spend $ XXXX in 3 months. I received the points XX/XX/2016. On XX/XX/2016 I contacted Amex customer service via chat ( screenshot provided ) and asked if me returning an item would cause me any issues with my sign up bonus of XXXX and asked for confirmation that I would get to keep my points without issue. The representative ( XXXX ) assured me that it would not cause any problems. 

Thus, I was surprised to find that on XX/XX/2016 my XXXX sign up bonus was removed from my account. When contacting Amex, they transferred me to several different departments until giving me the reason that the points were removed because of " returns ''. They then said started an investigation and put a hold on all of my remaining points in my account thus preventing me from using them during the holiday travel season. It has now been 2 months and I have received no response, my points have not been returned, and my account has been locked. I 've contacted Amex for a status update and they continue to give me the run around and transfer me to several departments until I get hung up on. 

*I 've attached a copy of my chat with the Amex customer service representative confirming that returning an item would not cause my points to be reversed. I 've also attached a copy of my statement showing the same charges shown in the chat to prove the chat was talking about the account mentioned.
Product: Checking or savings account

I have been a member of the NFCU for almost XXXX  years. NFCU suspended all three of my debit cards usaged for one year for possibly fraud from business that may have charged my accounts or i deputed a charge i did not recognized the amount. This happened between XXXX XXXX XXXX XXXX. I had direct deposit of my funds over {$XXXX} amount into my accounts every month. I dont recall them ever sending me any paperwork regard my debit cards. I spoke with a bank XXXX over the phone about this. The only think he manage to say was there were protecting me and the bank ( change debit card aleast XXXX times per request of XXXX XXXX ) I ask them if i had no acess to deit card how would i make purchases if i was out shopping, the only thing he told me was to go to bank and get cash out for my purchases or get a cash card. I very seldom carry cash on my in me. Once a month I have to go and withdraw all my monies to another bank. Again nothing received from bank about this policy. NFCU has always deny my request for any loans that I have put in an application for as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 convergent account numbers Has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A States I have the right to privacy. 

15 U.S.C. Section 604 A Section 2 It also states a consumer reporting agency can not funish account without my written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer report containing any of the following items of information any other advice item of information other then records of crimes which antedates the report by more then 7 years. 

15 U.S.C. 1681-2 ( 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: Mortgage

I have been working with Carrington mortgage to complete a VA loan assumption of my existing mortgage. I am now divorced and trying to remove my ex-spouse from the loan. The assumption process has been terrible, I do not receive timely responses from my loan officer or loan processor and I have no clue what exactly is needed to prepare for closing. 

The last update I received is that I must pay an escrow shortage in full of over {$5000.00} rather than be able to extend the escrow shortage over 12 months. This is my existing mortgage and I'm simply trying to take off my ex-husband but yet the mortgage company wants me to pay over {$8000.00} in fees to complete the assumption. 

I would like to speak with someone who can accurately explain to me what options I have to get the assumption completed. 

XXXX loan # XXXX Current Carrington loan # XXXX
Product: Credit reporting or other personal consumer reports

My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in XXXX XXXX. XXXX ( XXXX ) with Credit for review or collection. 
I do not recall opening or transacting with the entity associated with this account. Also Possible XXXX Given the lack of recognition and the absence of verifiable information, I suspect this account XXXX be fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. I was a victim of fraud, and my identity was stolen.

A copy of this letter, as well as copies of the three written letters sent to you previously, will also become part of a formal complaint to the Federal Trade Commission. It shall be used as evidence in pending litigation provided if you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information ( a consumer contract with my signature on it ) is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to DELETE all information that can not be verified promptly.

The law is very clear about the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 1XXXXXXXX XXXX XXXXXXXX 2-XXXX XXXX XXXX 3-XXXX XXXX XXXX 4XXXXXXXX XXXXXXXX XXXX 5XXXX XXXX XXXX 6-XXXX XXXX XXXXXXXX 7-XXXX XXXXXXXX XXXX  Thanks, XXXX XXXX
Product: Credit reporting

Bankruptcy filed in XXXX. However Bankruptcy filing was not confirmed in XXXX and Bankruptcy filing was finally denied by order of the court ( attached hereto ) in XXXX and dismissed. Transunion incorrectly and inaccurately reports this information as a Bankruptcy Discharge despite the specific Order of the Bankruptcy Court.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Credit usage XXXX XXXX Balance {$7900.00} Balance updated XX/XX/2023 Credit limit {$10000.00} This is again, not correct. This Bank Card refuses to update the correct balances monthly and Experian will not allow me to dispute monthly. There website shows, that they wait until the Creditor provides the information. When you are applying for loans this will not work.
Product: Credit card

On XX/XX/XXXX I spoke with XXXX at Concora about the monthly fee increase from {$12.00} to {$19.00} beginning XX/XX/XXXX. I am XXXX XXXX XXXX. I have a mortgage & utilities to pay monthly. I am also complaining about the {$29.00} late fee I am being charged because I have not made a payment due on XX/XX/XXXX. I have had this card since XX/XX/XXXX.
Product: Debt collection

There is a medical debt from Collection bureau of the Hudson dated XX/XX/2017, that is showing on my XXXX credit report. I have disputed this deb multiple times to the Collection Agency as well as with XXXX. XXXX is telling me that the debt is valid but it isn't. It's not my debt and should not be on my credit report. I have sent valid proof and documentation to XXXX that this is not my debt. The collection agency refuses to respond to my letters.
Product: Student loan

In XXXX 2017 I spoke with Navient and was told that my student loans were in good standing until XXXX 2017. In XXXX I was offered a job, when they pulled my credit XXXXport, it showed 3 of my student loans were in default. When I called Navient I was told my loans were not in default and were in good standing. They refused to send me a letter. The job offer was withdrawn and I lost a job paying me {$87000.00} per year plus bonuses and incentive. On XXXX XXXX, I received a letter that my taxes were going to be intercepted to pay student loan in default. I am told over the phone my student loans are in good standing until XXXX 2017.
Product: Mortgage

I have tried to get a copy of the 2020 1098 form from roundpoint mortgage for over 1 month. 

The company refuses to send me my 1098
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate under practices and customer service, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to address fraud and prevent it on their platform, leaving my account unprotected and vulnerable.

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 loss, and I seek appropriate redress for these violations.
Product: Credit reporting

I was reviewing my credit report and notice inquiries that are not mine and was not authorize.