23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a totally unsolicated card from Netspend. Everything about the materials that were shipped with this card made it look like I had applied for it. 
See the attached. 

When I called Netspend they told me that they got my address from " one of their partners '' but offered no other explanation as to why they'd sent me an unsolicited card.
Product: Mortgage

I am currently in the forbearance program with mr Cooper mortgage. I am the successor in interest on the estate & I reached out to ask about the COVID advance FHA assistance. I was informed that this is not an option for me because they dont have it. I am also being told that I will need to pay the amount in a lump sum & have received no help with getting back on track. I am able to make the regular monthly payments but they will not allow me any type of help on this & I am also being told that they will not work with moving some or all of the payments to the end of the loan
Product: Money transfer, virtual currency, or money service

I saw a friend of the family post what appeared to be a legitimate post about selling their dad 's things before moving him to a retirement home. I was asking about purchasing a XXXX XXXXXXXX XXXX XXXX for {$6000.00}. I DMed the seller on messenger and proceeded to give them a {$1000.00} down deposit. I paid them through PayPal under Friends and Family. I understand that there are limited payment protections with this method. They then proceeded to send me a message saying their dad was asking for half the payment up front due to a lot of people asking about the items. I grew suspicious but complied due to them being close with my parents and sister in the past. I sent them {$1000.00} for a total of {$2000.00}. ( At this point I was noticing some weird wording but I was the only XXXX in my family not very close with them. ) They were asking about the other {$1000.00} and that their cousin -whom I was sending money too- and I informed them that my card hit its limit for daily payments but they then proceeded to send me a PayPal email for their " neighbor '' saying that they would be helping with the purchases. At that point I asked my mom to investigate and she came back with both her and my sister confirming it was a scammer by how she responded to my mom 's message and my sister texted the friend directly to her phone number and found out that she was hacked.
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 Account Number XXXX and 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: Credit reporting or other personal consumer reports

Transunion File # : XXXX, Transunion is still reporting my transactions & experience with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Transaction is in clear violation of 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX BANK XXXX Account Number : XXXX and 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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 XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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: Debt collection

It was yall job to call XXXX and yall didnt .legnagets on yall part.
Product: Credit card or prepaid card

I have made payments in the store most recently XXXX, XXXX and XXXX and they never get applied. Instead I get a refund check from Target to reapply. I have been hit with interest XXXX and XXXX I am asking for adjustment. The last payment I made was {$1500.00} in the store.
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion are violating my consumer rights according to U.S. Code 1666b and U.S. Code 1681a ( 2 ) ( a ) ( i ). I seek information regarding the verification process used by XXXX to report late payments on the XXXX  Account # : XXXX, in line with U.S. Code 1666b. XXXX  NEVER mailed me periodic statements 21 days before the due dates, as required by U.S. Code 1666b, for specific dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I question the inclusion of these late payments in my credit report under U.S. Code 1681a ( 2 ) ( a ) ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been unable to obtain my Equifax credit report for over a year now. When I applied for a loan they said Equifax has incorrect information for me. Ive tried to have them fix my account and update my information but nothing has happened. This has hurt my credit due to denial of a loan because of equifaxs poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently online looking to get more information on health credit and i believe they handled my information wrong and used my information as if i were to apply for a company titled XXXX / National Cred Cards Airlines and I don't seem to recognize it.the only time I used my information to ( not apply for  a health credit card was when I was on the XXXX XXXX website ( for the health credit ) to apply for more information. I am fairly new to building my credit and I notice it hit a hard inquiry on my account and brought down my score. Unfortunately I have no memory of apply for a credit line with XXXX ( XXXX XXXX ) I do recall going on their website and applying for more information regarding pricing. All I'm asking is for this inquiry to be removed because I'm trying to build my credit and I understand its a learning process but I do not understand why they didn't notify me it will affect my credit if I were to apply anyways. Which in my case I think they handled my information wrong & I would like to be forgiven for the recent score it dropped on my account.
Product: Debt collection

I resolved some medical debt with other creditors with the help of XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. I received notification that the debt was discharged and removed from the credit report and now I am receiving harassing phone calls from Dynamic Recover Solutions requesting payment of {$720.00} for account number XXXX and {$170.00} for account XXXX and XXXX XXXX XXXX XXXX for {$430.00} for account number XXXX. The original creditor with whom this was resolved is XXXX XXXX XXXX XXXX. 

I have advised both of these agencies these matters have been resolved and still they continue to call and harass me. I have requested that they send the validation of debt and they refuse to do this and say that they will not send more than what they have sent in the mail which does not state anything regarding any new debt and only lists debts which have already been resolved.
Product: Credit reporting or other personal consumer reports

Pursuant to Texas Rule of Civil Procedure 92, I am generally denying the following accounts, charges, and allegations contained in the credit reporting, and requests that the credit reporting agency require the alleged creditor to prove its claims by a preponderance of the credible and admissible evidence. 

XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX  XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX  ACCT # NOT LISTED XXXX  ACCT # XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX  ACCT # XXXX Pursuant to Texas Rule of Civil Procedure 94, I am asserting the following affirmative defenses : a. failure of consideration ; b. affirmative defense of fraud ; c. estoppel ; d. laches/waiver ; e. statute of limitations ; f. failure to mitigate damages g. payment ; h. setoff or recoupment ; and i. all conditions precedent have not been performed and have not occurred I am specifically denying that the disposition of any collateral was conducted in a commercially reasonable manner according to the requirements of Article 9 of the Uniform Commercial Code and invokes all rights and remedies available under this statute.
Product: Debt collection

The debt is for services rendered on XX/XX/XXXX by the XXXX XXXX XXXX. I received multiples letters from them after the date of service demanding payment. I disputed the debt each time and refereed them to my insurance company. They did not made any effort to resolve the issue or provide with documentation on services rendered, because they kept sending me the exact " Amount Owed '' letter over the course of XXXX. 

At this point they charged off the amount owed to their collections department and continued to send me letters demanding payment and late fee charges. I once again disputed the dept, referencing this is a matter between them and my insurance, and their failure to provide the documentation noted above. 

Since XXXX, I have heard nothing from XXXX XXXX XXXX and did not receive notice that " my debt '' was sold off. I had no idea who Commercial Acceptance Company until they recently filed a derogatory notice on my consumer credit account, resulting in a drop of credit score. The NY State AG contacted them and their reply was that the debt was legitimate and that they had sent my a letter on XX/XX/XXXX. 

I again dispute the original debt. I failed to receive any timely notice or documentation that the original amount owed was attempted to be collected from my insurance. I also received no notice of transfer from XXXX XXXX XXXX. The amount now owed is also inaccurate and suggests predatory business practices I believe.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA ss 605B ( 15 U.S.C. ss 1681 c-2 ) that you, The XXXX  credit reporting agenecy, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit cards accounts opened at XXXX XXXX XX/XX/XXXX, under the account number ( Private ), XXXX XXXX XXXX opened XX/XX/XXXX, under the account number ( Private ), a auto loan opened at XXXXXXXX XXXX  XXXX XX/XX/XXXX, under the account number ( Private ) and XXXX XXXX XX/XX/XXXX, under the account number ( Private ), mortgage loan XXXX XXXX  opened XX/XX/XXXX, under the account number ( Private ), auto loan XXXX XXXX XXXX XXXXXX/XX/XXXX, under the account number ( Private ), student loan opened up at XXXX XXXX XXXXXXXX XX/XX/XXXX, under the account number ( Private ), an account opened up at XXXX XXXX Child Support XX/XX/XXXX, under the account number ( Private ), a mortgage account opened up by XXXX XXXX XXXX XX/XX/XXXX, under the account number ( Private ), a credit card account opened XX/XX/XXXX, under the account number ( Private ), a collection account by XXXX XXXX XXXX, XXXX XXXX, under the account number ( Private ), a collections account by XXXX XXXX XXXX XXXXXX/XX/XXXX, balance $ under the account number ( Private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # ( Private Case Number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of Identity theft and fraud. FTC # XXXX
Product: Debt collection

I was contacted by XXXX XXXX XXXX of a collections notice that has impacted my credit so I requested a full credit report to discover there are two XXXX XXXX accounts with two separate addresses ( XXXX XXXX XXXX XXXX , XXXX XXXX NV XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX NV XXXX ) that were past due in the amount of {$69.00} and {$1300.00}. I have never had any business with XXXX XXXX so I called to report the fraudulent account, also contacted all three credit bureaus and filed a police report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$190.00} XXXXXXXX XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6100.00} XXXX XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$4800.00} XXXX  XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance XXXX {$5600.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX ( Original creditor : XXXX ) Balance : {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Pro Collect is attempting to collect on a debt I do not owe. I had no idea this debt was on my credit file until I checked my credit. However I immediately paid the debt as soon as I found out. I believe Pro Collect is in my violation of my 30 day right to dispute & feel that account needs to be removed.
Product: Mortgage

CHASE HOME FINANCE LLC XXXX - I HAVE NEVER PAID THIS ACCOUNT LATE, AND IT WAS NEVER A CHARGE OFF!! DELETE NEGATIVE REMARKS ON THIS ACCOUNT OR DELETE THIS ACCOUNT FROM MY RECORDS AS WHOLE!!! 
I have requested Chase to validate this account and send me a payment history several times. However, I only received an auto generated response to all of my letters. When trying to request validation via phone, I was advised to write to them and received same results!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

On XX/XX/2022, Alliant Capital Management contacted my personal cellular phone number as well as several unrelated acquaintances that do not have any right to my personal information. Persons contacted are not and have never been used as a reference for any account. They do not have any permission to receive any information on my behalf. A request for written communication was submitted to Alliant Capital Management has been submitted as there has been no written communication received outlining the details of their contact attempts.
Product: Credit reporting

I have repeatedly asked my mortgage company XXXX, to report my mortgage balance to the credit bureaus to no avail ( loan number XXXX ). The last time I complained to them they said that because I filed a chapter XXXX bankruptcy on XX/XX/XXXX ( discharged XX/XX/XXXX ), they can not report the balance due even though they report the mortgage payment each month. This they claim is because the original mortgage with XXXX was included in in the bankruptcy filing and even though it was switched to XXXX in XX/XX/XXXX, they therefore can not include the balance. 
Please see attached mortgage loan modification dated XXXX/XXXX/XXXX, where the originally refinanced loan from XXXX/XXXX/XXXX with XXXX, then sold or transferred to XXXX, is now transferred to XXXX as a modified mortgage. ( This was the result of a lawsuit filed by me in federal court ). Nowhere is it mentioned that there will be any unusual credit report notifications made. There have been no late mortgage payments.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I started selling stocks in my CashApp XXXX is the list of the stocks sold. 


The following recaps my situation : {$14000.00} ( XXXX stocks ) {$3800.00} ( XXXX stocks ) ; {$11000.00} ( XXXX ) are the total numbers of stocks I cashed out, which totaled {$29000.00}. I sent XXXX to XXXX, which left a balance of {$28000.00}. {$300.00} used for XXXX XXXX, which left a balance of {$28000.00}. I initiated via the CashApp app the amounts of {$12000.00} + {$11000.00} + {$730.00} which totaled {$24000.00} that were deposited into my checking account ( attached is my checking account snapshot ). When I total {$24000.00} + {$580.00} ( XXXX ) + {$300.00} ( Swiss Colony ) + XXXX for CashApp fees it totals {$25000.00}. IThe difference between {$29000.00} - {$25000.00} equals {$3900.00}. 

I have sent this information to Cashapp representations, and they say that they must escalate the situation. I have also call a couple times and they say that someone will email me. I have only receivAed emails saying that they must escalate my situation. I have asked how long will it take before someone contact me and they are unable to give me an answer. I started this matter on XX/XX/XXXX and I am still waiting on somebody to contact me A my {$3900.00} that is my money. I figured I '' d better take this matter into my hands and do whatever I must to get my money back. I seem to be the only XXXX concerned.