23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am XXXX. I pay cash for everything and do not have credit cards as they cause me a great deal of anxiety if I have them. So I do not use them. I am being punished by other creditors for the information provided by credit reporting agencies for not carrying any revolving debt. I am paying more for insurance, car loans, and other debts due to these facts. I pay cash. The fact I do not need credit cards does not enter into this equation. 

I am being discriminated against due to the fact I do not use credit cards or revolving debt. If I am unsuccessful, then I will seek class action status and go from there.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed a letter, FTC report and copy of my social security number and ID to XXXX  and Experian for fraudulent information on my credit report. I have done the proper steps of verifying my identity however they are refusing to correct this error. They have not responded to my letter and my credit report continues to report fraudulent information. A XXXX XXXX account is still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that I have a collection that isnt mine. I have no contract with this creditor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

Bankruptcy - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

, XXXX XXXX, XXXX, and Equifax have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Product: Credit card or prepaid card

I applied for an18 months no-interest credit card FROM Wells Fargo. I was approved and then completed a balance transfer. 

They continually charge me monthly fees, interest, etc., which is completely contradictory to what terms and conditions I applied and got approved for. 

I've made FIVE ( 5 ) separate calls to their business office asking them to straighten out the problem, All I get in response is " we've assigned a case number and a rep will be getting in touch with you ''.

No representative from WF has contacted me, as the billing issue continues. I'm paid up to date on my payments, and I'm disgusted with this bank XXXX customer service I'm aware of all the systemic legal problems WF has had in recent years including fines, corruption, etc. My issue is a SIMPLE FIX. 

PLEASE HELP ME ... ... ..
Product: Mortgage

In your response to case number XXXX Please identify the rep who prepared the document conveniently the name is missing why did that happen? 
Additionally it appears you've been sending XXXX XXXX documents on my case tell me when that commenced and who ordered you to send XXXX XXXX documents send me any subpoena any summons any letters correspondence emails between you and XXXX XXXX at any time during this mortgage
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX filed a complaint in foreclosure stating they are US Bank National attorneys and not acting as debt collectors. 

I never received anything not did i send them written consent to contact. 

I sent XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, request for proof of Authority that they were hired by US Bank National Board of directors and they ignored my request. 

XXXX XXXX XXXX in collusion with XXXX XXXX XXXX XXXX XXXX agents entered the Foreclosure Complaint and opened up a XXXX XXXX Common Pleas account to collect a debt without prior written consent to contact using private information I did not provide them nor did I approve anyone to provide them. 

Neither XXXX XXXX XXXX agents nor the XXXX XXXX XXXX XXXX XXXX have entered on the record a prior judgement from a court of competent jurisdiction or prior written consent. 

Though I did not receive first communication about a debt the post master stamped XXXX on 4 certified return receipt mailings and pulled off the XXXX XXXX pretending to be agent and having representative capacity. The US postal Service does not have POA over myself and committed Federal Crimes. 

I have reported the Federal Crimes to the XXXX XXXX Clerk as well as to the US post office but neither have done anything to correct the matter. 

The request for proof of authority to the Debt Collectors misrepresenting as US Bank attorneys was a Judicial Notice sent to everyone involved. That Judicial notice was entered as an answer to the Foreclosure Complaint rather than a Judicial notice of Intent to Sue and Attorney No Authority. It was in no way an answer and explicitly was titled Judicial notice. 

The XXXX XXXX XXXX XXXX XXXX XXXX will not correct the record. 

Once the Judicial notice that included Intent to Sue and a Cease and desist was entered as an answer to the complaint in foreclosure all other communications between the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX debt collectors was sent to the XXXX XXXX XXXX XXXX XXXX XXXX. 

I have verification that the XXXX XXXX Treasurer was also sending mail addressed to XXXX XXXX XXXX to the Sheriff 's address and it was never returned to sender. 

The XXXX XXXX XXXX XXXX XXXX XXXX does not have a power of Attorney or agent representative capacity to receive mail addressed to XXXX XXXX XXXX. 

I have tried to correct this matter sever times and not even the Commissioner will respond. My house was allegedly sold at Sheriff auction with full knowledge of all the abuse of process and I and my daughter and pets are in danger of being forcibly removed from my home. 

XXXX XXXX XXXX debt Collectors published a ss # on public record and opened up several accounts pretending to be me requesting information form the Dept of Defence and a Title Company. Again i did not give them POA or prior written consent to do anything on my behalf. 

This is an emergent matter I have evidence of everything stated and am willing to aver in open court.
Product: Mortgage

I have been having a problem with SN Servicing, the company who previously held my mortgage. They have been unresponsive. I have been trying to refinance my home and my mortgage broker has informed that SN servicings records show I was not timely with my payments and that missed some payments. I have never been late or defaulted on mortgage payments. I have made numerous attempts to have SN servicing correct their records and show accurate information so that my refinancing is approved. I have copies of my cancelled checks showing that payments were made timely and I was current. 

In addition, SN servicing sold my mortgage to XXXX XXXX. By the time I received notice of such, I had already made my monthly payment. SN servicing cashed my last check and have not forwarded the payment to XXXX XXXX despite my requests to for them to do so. I have personally spoken to and sent emails to both XXXX XXXX and XXXX XXXX who have ignored my requests for the records to be updated and my last payment to be forwarded to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

- I have 6 errors on my TransUnion Credit Report ( File Number XXXX Date Issued XX/XX/2020 ) - My non-TransUnion Scores are XXXX. 
- Three errors were corrected. 
- One error XXXX XXXX  is working on - One error I am getting more information - Error 6 is with XXXX - a high balance of {$17000.00} against a credit limit of {$6000.00} - I have disputed the error with TransUnion without results - I re-disputed the error with TransUnion without results - I went to XXXX as Step 3. 
- XXXX Bank says that the highest balance that they have is {$140.00}. 
- Please ask TransUnion to fix this so that I don't have to write anymore letters and spend anymore time on hold on the telephone.
Product: Student loan

Mohela put my formerly REPAYE loans into level repayment status while processing my SAVE application. Mohela is demanding payment under the level repayment plan, in contradiction with guidance on their own site : " your payment will be recalculated before it is due. '' These loans should have been in forbearance while Mohela drags their feet processing applications. Repeated attempts to contact Mohela have yielded no results. Further research indicates this is a known and ongoing problem with Mohela.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to 605B ( 15U.S.C 1681C-2 ) that the Experian credit reporting agency, block information appearing on my consumer credit report and breach of my identity that is the result of identity theft and fraud with in 4 days of receiving this complaint. this fraudulent, inaccurate and false information appearing on my consumer credit report as of the start date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I have been requesting original documentation for all of the following credit reporting agency and have yet to receive any document of proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems furnished an inquiry without my written authorization, I stated in the first compliant if Chex systems can not provide documentation of me giving written authorization for this inquiry to be furnished then they must delete/ remove from my report. 

Check systems instead wants to put the inquiry in inquires only viewed by me, and that it will no longer be in viewed by others. 

Chex systems violated my privacy rights and broke the FRCA law of permissible purpose. And now Chex systems is even breaking the law even more not following my demands that I want the inquiry to be deleted/ removed from report.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXXccount # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I began receiving calls from a number that I did not recognize ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). When I XXXX  the number it said XXXX XXXXXXXX XXXX, so apparently the real number was being spoofed. Since the recorded message commenced before the voicemail started recording, I just called the number back on XXXX  to see who it was. The lady said she was from XXXX XXXX XXXX and was calling about a previous credit card ( HSBC, opened XX/XX/XXXX ). They supposedly sent verification to my home with a settlement offer and stated I never responded. They did not. ( I have USPS Informed delivery and it shows all my mail ). She said the account went delinquent in XXXX and they are contacting me for payment before filing with my current county. While I do not recall ever having this card, I was still surprised of collection activity on an account where the statute of limitations has long passed. Credit agreement debt in Louisiana is 3 years and some courts find it is a violation of the FDCPA for a collection agent to pursue a debt collection lawsuit against a consumer after the statute of limitation expired ( Kimber v. Federal Financial Corp. 668 F.Supp. 1480 ( XXXX ) ). 

The agent proceeded to send me a text with the attached document of the debt. It does not include the dates, so I will reference what was told verbally is that the account was opened in XX/XX/XXXX and went delinquent at some point in XXXX.
Product: Bank account or service

Alleging unlawful fraudulent Conduct,Bank accounts,Stocks Bonds,Escrow accounts,Arch payments,ect
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate 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 loss, and I seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX XXXX  account # XXXX  have violated my rights. 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 states : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse items of information other, than records of conviction of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered a settlement with Lending Club. However, the credit bureaus are not updating the account to report it correctly. They are reporting a charge off when it is not a charge off. It is a settlement.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I contacted Transunion today requesting an Early Exclusion for derogatory marks listed under my account with Department of Education- These marks are within 5 months of the 7 year period in which they can be reported. Upon requesting this exclusion I spoke with supervisor XXXX XXXX, who told me that my accounts won't qualify for an early exclusion and the reason for this is an internal one which she refused to share with me. XXXX XXXX reported that Transunion does not share internal reasons and that the only way that I could find out would be to have the information subpoena 'd. 

Transunion appears to be practicing discrimination in this matter, an early exclusion is not unheard of but for some reason they refused to provide the service to me. Citing this as an internal reason further gave me concerns as I am now worried about the safety of my account information with this company. Furthermore Transunion stated that they verified the information from the creditor which is reporting a 90 day late in the month of XXXX and a 120 day late in the month of XXXX on my XXXX report. I contacted the Dept of EdXXXX and spoke with a representative who was also confused by this reporting and expressed that there was nothing that could be done on her end and directed me to dispute the matter with the credit bureau . I seem to be caught in a loop with one company sending me back to the other and now the bureau telling me that for internal reasons they can't reveal why I can not get an early exclusion. 

I am requesting that these 90 day lates for XX/XX/2017 be removed from my credit report and that Transunion provide me with an explanation of the " Internal Reason '' that my specific account isn't eligible for early exclusion in order to address what appear to be discriminatory practices.
Product: Credit card

Hello, I have an issue with First National Bank of Omaha, I signed up for an Amtrak Guest Rewards card recently. I will include the screenshot. They have two cards. I signed up for the " Amtrak Guest Rewards @ Mastercard '' the card that was on the right that has " no annual fee ''. Surprise to me when I receive my statement I am being charged an annual fee of {$100.00} which means they have me under the " Preferred Amtrak Guest Rewards '' card. I read over both and I clearly remembering selecting and clicking on and applying for the card that had no annual fee. 

I called in to see if they could help me and they had now idea what to do and said someone would call me back well it's been a few days now and I've not received a call back, but of course I now have a statement saying I owe {$100.00} for my annual fee and it's due on XX/XX/year>. I told them I'm extremely unhappy as this is the first experience with them and I feel mislead and tricked. I know that what I clicked on and signed up for and this is not the card I wanted and agreed to. This is completely unfair and has potential consequences to my credit score if not handled correctly. These companies should be held accountable for their misleading practices. 

On my statement the address is listed as FNBO, XXXX XXXX XXXX XXXX, XXXX XXXX if you need anymore details I'm happy to provide those.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX I've sent documentation regarding to those inaccurate and unknown accounts on my credit report but I haven't received any response yet. I demand to DELETE ASAP those accounts or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX &XX/XX/XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report.

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.

Items listed above, have violated my rights.

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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX FL XXXX Remove Fraudulent Accounts Listed Below : Account Name : XX/XX/XXXX Account Type : Open, Account Type : Secured credit card, Date Opened : XXXX. XXXX, XXXX ( 10 mos ), Balance : {$1600.00} Account Name : XX/XX/XXXXAccount Type : Charge off, Account Type : Deposit Related, Date Opened : XXXX. XXXX, XXXX ( 10 mos ), Balance : {$110.00} Remove Fraudulent Inquiries listed below : XX/XX/XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.