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

I have sent so many disputes orally by phone and written through the mail, yet these false alleged inquiries and collections remain on my consumer report! I am the natural person, original creditor, and federally protected consumer! The United States along with all of these corporations ( XXXX, XXXX, XXXX ) are in fact the debtors! Every single debt obligation or every single extension of credit is originated from my social security card ( Credit Card ) number! Without the consumer these corporations are just a dead entity! 
CREDIT IS LIFE. 
15 usc 1681a ( 2 ) ( B ) EXCLUSIONS of consumer report.

EXCLUSIONS mean something shouldnt be included. 15 usc 1681a ( 2 ) ( B ) anything authorized from a credit card as defined under 15 usc 1602 ( L ) Congress says that any transaction that was authorized from a credit card should be EXCLUDED from your consumer report. 
So any transaction shouldnt be written or spoken about. 15 usc 1681 ( a ) ( e ) : investigative consumer report. It cant be from a creditor of the consumer or a consumer reporting Agency! 
15 usc 1681 ( a ) ( 3 ) - consumer reporting agencies have assumed a VITAL role! Credit is life & debt is death!

18 usc 8 : All debts are obligations of United States. 
Law comes from God. 
I know the law & I know scripture! I am free! Earthly Laws cant supersede divine laws!! 
WE WERE BORN WITH UNLIMITED OPEN END CREDIT PLAN. 
Im a lender not a borrower. 
I WILL BE PURSUING LITIGATION BECAUSE THIS HAS CAUSED SO MUCH FINANCIAL HARDSHIP TO MY MINOR CHILDREN AND I! I do not deserve this, and for it to even take this long for an investigation is wrong!
Product: Mortgage

After going through a divorce I fell behind on mortgage payments by 3 months totaling about {$3500.00} of back payments owed including all escrow. The new mortgage servicer for my FHA loan on my property, Carrington Mortgage Servicing has been aware of this issue, my loan was sold to them XXXX XXXX after being serviced by XXXX XXXX XXXX for about 6 years prior with no issues. As of XXXX XXXX XXXX I contacted and agent to schedule a payment for XXXX XXXX XXXX to pay up my back payments to make the loan current. The rep took my information & indicated that everything was all set & there were no problems awaiting, no mention of foreclosure, or offers for mortgage assistance were offered. After returning home from 2 weeks away I returned to my house on XXXX XXXX XXXX to find that Carrington Mortgage Servicing had changed the locks on my home, entered my home and shut off the water, the heating system, drained pipes, winterized my house & moved my furniture around, opened my closets, basically tearing through my home without my authorization, notification or knowledge. They had affixed no trespass notices to my doors stating that the property was in possession of Carrington Mortgage. This was all out of the blue, I had not been previously contacted by Carrington ( by phone, email, etc ) alerting me of foreclosure, was not served with papers stating that I was in foreclosure. Per the conversation with their call center to schedule payment on XXXX XXXX there was nothing indicating that this would happen. I have health issues & am also XXXX months pregnant, all my clothing, furniture, personal belongings, & medications were locked inside my home & I was left stranded out in the cold XXXX degree weather that day. After calling the number on the notice taped to my door & being shufled through many unhelpful agents, I was connected to the Property Preservation Office who had part in authorizing this lockdown on my home. After searching through their system at first unable to locate me or my loan at all, they found me & agreed to let me back into my home, providing little explination. Upon re-entering my home I found it to be left unlivable, with an inoperable heating system, no water, or functioning bathrooms. The cost for me to undo what they did would prevent me from catching up on payments, and due to this event I have had to find alternative housing until I can make my home operable again. I am also in fear of Carrington trying to re-sieze my property if I can not make the full requested payment on the XXXX of XXXX, due to the fact I have to pay a plumber to restart my home 's systems thanks to what they did. This whole situation was grossly mishandled by Carrington, they did not follow the standard procedures in offering mediation or help to a struggling homeowner & did not follow legal procedure in foreclosure/property seizure time frame, & contact with the homeowner. I was always the one contacting them, being mislead by a system that seems to operate on their own terms.
Product: Credit reporting

XXXX account # XXXX .... is not mine and experian has refused to delete account like XXXX did to avoid fcra fines.
Product: Money transfer, virtual currency, or money service

Purchases were made that were not authorized by me and the company failed to properly investigate.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On XXXXi applied for an auto loan from XXXX XXXX XXXX XXXX XXXX  in XXXX.I was told I was denied by pnc bank.i contacted pnc bank to know reasons of denial and was told factors on my credit.i explained to pnc that these are factors but are not determining factors.according to law cfr 12 part 1002 b no applicant can be discriminated against for any aspect of a credit transaction.pnc bank also are in violation of usc 15 1611 1-3 of willfully and knowing violation being under the truth in lending act.
Product: Credit reporting or other personal consumer reports

I submitted documents for the bureaus to remove some fraudulent accounts from my credit report because i was a victim of identity theft. I got an email stating that they were not going to block the accounts because i wasnt the one making the complaint. Well if im not doing it then who is? They are required to block and remove fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries as authorized by me. I have previously requested their removal, but the bureau did not respond. This information is not mine, not accurate, and I am requesting that it be removed
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 violate 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 do not comply with errors resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Debt collection

XXXX XXXX WAS MY LEASING AGENCY AT XXXX XXXX XXXX XXXX TEXAS XXXX. I FULFIELD MT LEASE TERMS AND PAID A MONTH IN ADVANCE TO XXXX XXXX  PER MY LEASE AND I HAVE AN EMAIL STATING THAT THEY ACCEPTED MY NOTICE TO VACATE IN THE EMAIL WITHOUT ANY PENALTIES. 

BEFORE I VACATED THE PROPERTY I INFORMED XXXX XXXX  THAT MY WATER BILL HAD BEEN EXTREMELY HIGH THE LAST MONTH I LOVED IN THE PROPERTY AND THEY STATED THEY WOULD SEND SOMEONE OUT TO LOOK INTO THE MATTER. XXXX XXXX INFORMED MY THAT THERE WAS A LEAK NEAR THE INSIDE WALL OF THE GARAGE WHERE THE WASHER CONNECTION WAS ATTACHED. THEY ACCUSED ME OF CAUSING THE PROPERTY DAMAGE ; HOWEVER I HAD IVED THERE A YEAR WITH NEVER HAVING A HIGH WATER BILL. I FOUND OUT FROM A CONTRACTOR THAT THE OUTSIDE FAUCET AT THE FROM OF THE HOUSE WAS THE REASON FOR THE DAMAGE AND IT HAD NOTHING TO DO WITH THE WATER CONNECTION. 

XXXX XXXX WANTED ME TO PAY FOR THE REPAIRS AND I HAVE EVIDENCE THAT BY A CONTRACTOR AND PICTURE THAT THERE WAS NO DAMAGE FROM MY WAHSER CONNECTION. 

XXXX XXXX HAS NOW TURNED THIS OVER TO A COLLECTION AGENCY BY THE NAME OF FEDILITY INFORMATION THAN IS NOW SENDING ME CERTIFIED LETTERS, CALLING MY EMPLOYER AND THREATENING ME TO RUIN MY CREDIT AND IT WOULD BE IMPOSSIBLE FOR ME TO EVER LEASE ANOTHER PROPERTY OR BUY A HOME IF I DO NOT PAY THESE REPAIRS THAT ARE NOT MY RESPONSIBILITY. I ALSO HAD A {$3000.00} DEPOSIT UP ON THIS LEASE PROPERTY THAT WAS NEVER REFUNDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per USC title 15 1681 [ N ] any reporting of my personal credit without expressed consent is a violation of the law cease and decist all reporting and inquiries without expressed written consent from me the 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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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: Student loan

The original contract was signed with XXXX XXXX XXXX XXXX, and I was not informed that it would be sold to Firstmark Services. The interest rate charged by Firstmark Services is 10.74 %, which does not match the original agreement with XXXX XXXX, which was set at 8.49 %. Additionally, the 0.5 % interest rate discount offered to XXXX XXXX customers in the original contract is not being applied. Furthermore, I was not notified about the increase in the interest rate.
Product: Checking or savings account

On XX/XX/XXXX, I visited CitiBank branch in XXXX XXXX, CA to downgrade my Priority account to Basic account in order to prevent any monthly service fee. The branch manager helped me to change my account from XXXXXXXX XXXX XXXXXXXX package. At the same time, she showed me the promotion flyer ( see attachment ) and said the promotion was eligible for any customers including XXXX account. Also, the promotion flyer indicates that any new or existing customers were eligible to offer. 

I accepted the promotion offer and the branch manager helped me to open a saving account on XX/XX/XXXX, and a new money {$250000.00} new deposited on XX/XX/XXXX. 

Since my online banking account ( transfer money from ) does not offer check books, I worried about any loss risk if transferred a big amount {$250000.00} to the new saving account electronically so I deposited the new money {$250000.00} to my exisiting checking account which I've made many transcations successfully on XX/XX/XXXX and then transferred to the new open saving account on the same day. 

I followed the promotion requirement to maintained the balance {$250000.00} over 60 days but did not receive the cash bonus {$670.00}. I visited and asked the branch office to submit the promotion dispute twice in XXXX and XX/XX/XXXX but got the same responses of that I am the basic account package customer not eligible for the promotion. 

On XX/XX/XXXX, I contacted Citibank and they opened my case again and asked to mail any supporting documents including the promotion flyer, account transactions, .. etc. I mailed them on XX/XX/XXXX. I waited but did not get any resonse so I called Citibank on XX/XX/XXXX and they said the same feedback and my case was closed. I spent over 3 months but Citibank still refused to pay me the cash bonus {$670.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account please help me get this resolved. 

XXXX XXXX XXXX {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to first and foremost thank Equifax for processing my disputes recently but I am concerned that the investigation was not completed properly. I disputed with them through the United States Post Office and I sent a certified letter to make sure they receive the documents because it contained all of buy personal information. I will link that letter and the receipts here for your convenience and proof.

Unfortunately I can not tell if they processed my disputes because the two old accounts which have not had activity on more than 7 years are still on my file affecting me. These accounts are labeled XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The payments statuses are wrong because it states on the account begging in XXXX that I am currently 120 days or more late and that is not valid because I have zero lates on this account, please check my attachment. This information should be deleted, as should the whole account. Also, on that same account there appears to be statements supposedly made by me and a comment made by me. These are false and I never authorized any comment nor statements. this is concerning and would like to know how and why this is appearing. In other words the account is not valid or verifiable so please just delete it. 

Secondly, I would like to bring to Equifax 's attention that account # XXXX is also wrong and I would like to have it deleted for premium accuracy please. I have no lates on this account as well and I am concerned here as well why it shows up on my XXXX monitoring as a late account in my summary section. 

These two accounts have incorrect and outdated information and they are not registering accurately on my general profile with creditors and this is tremendously damaging for me.
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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX If my appeals for prompt action continue to fall on deaf ears, rest assured that I am prepared to take legal action to ensure justice prevails. I won't hesitate to involve an attorney to hold your bureau accountable for the repeated denials, the harm to my reputation, and the emotional turmoil this ordeal has inflicted upon me. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. My emotions may be running high, but my determination to resolve this matter is even stronger.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

DPT EDXXXX XXXX {$430.00} DPT EDXXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$1400.00} XXXX XXXX {$770.00} XXXX XXXX {$1400.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX  XXXX {$360.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00}
Product: Debt collection

On XX/XX/year> i had cancelled my account with XXXX to switch over to XXXX. XXXX offer to pay out my contract with XXXX  since Im switching over. XXXX paid the remain balance which was XXXX dollars. But XXXX keep billing me after XXXX paid it off and the devices was returned back to them. I paid the first collection XXXX XXXX XXXX in month payment of XXXX each month because they said if i pay XXXX it will be considered the account paid in full. Now i have this collection agency XXXX XXXX calling saying i owe XXXX for the XXXX  bill.
Product: Credit card or prepaid card

We call the BP Credit Card Company XX/XX/2021, we requested new cards due to the fact we lost our new cards. 
We were told ( tape recorded ), we will be sending you new credit cards in the mail for BP. 
I have had this account for over 25 years and never been late. We managed to pay off the account the first of XX/XX/2021. 
We just found out after calling for a new credit card the account was closed without any notice. 
We never received a notice in the mail on why BP card Synchrony Bank closed the account. Under Federal laws the bank must give us a 30 day notice outlining why the account has been closed. 
We understand that Synchrony Bank has retaliation against us for filing complaint regarding our XXXX account just a few months ago We have a right to know why BP Synchrony Bank closed our account after they told us they were going to issue us new cards on XX/XX/2021 ( tape recorded ). 
THIS COMPANY HAS TO SHOW CAUSE FOR why they closed our account. The account was in good standings and we have never been late for any payments. 
We are asking for a full investigation to this Banks behavior
Product: Credit reporting or other personal consumer reports

The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX - The following personal information is incorrect- This employer information does not belong to me. 

Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, TX, XXXX - The following personal information is incorrect- This employer information does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I recently submitting identical documentation lists ( social security cards, birth certificates, drivers license, marriage certificate ) to all three credit bureaus ( XXXX XXXX TransUnion XXXX and XXXX ) to initiate security freezes for my XXXXXXXX XXXX XXXX All the documentation that I submitted was accurate, including the spelling of names. Even with a cover letter and list of accurate documentation, the responses I received from two of the three bureaus contained errors or issues. 

From TransUnion, the XXXX XXXX XXXX was correctly created for both minor accounts, but the response letter for XXXX XXXX  has our last name misspelled ( XXXX ) instead of the correct spelling ( XXXX ). Therefore, I assume that the very first record in my minor son 's credit report has his last name misspelled. I attempted to call TransUnion to correct the issue, but doing a phone transfer I was disconnected. I did not try again. 

For XXXX, everything appears to have been completed accurately for both sons with complete names. 

For XXXX, the security freeze was correctly created for XXXX XXXX, but the response letter for my other son states that " we were unable to locate a credit file for you for one of the following reasons : - You have not applied for credit recently- You have not actively used credit in the past XXXX years, or - You have not lived in the United States or have not been issued a U.S. Social Security Number ''. 

And, the XXXX response letter addressed to me did not capitalize my first or last name. 

It is very disturbing that these three credit bureaus are in charge of managing all of our personal data, yet they can not manage to accurately create a credit freeze on a minor account. The lack of attention to detail is terrible.