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

Complaint : As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per I5 usc1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I & # 39 ; m requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit & quot ; report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I & # 39 ; m requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I & # 39 ; m requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorney & # 39 ; s General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

remove inquiries off of credit report
Product: Debt collection

XXXX XXXX has been over the past 12 years years illegally scanning my body computers which are illegally installed and causing health issues and stealing the money from them. XXXX XXXX with direction from XXXX doner also illegally kept my XXXX XXXX XXXX. open and stole the debit card and credit card attached to my personal business account from what was formally XXXX XXXX  now XXXX XXXX XXXX. This illegal activity also carried over into other small claim type issues that they used a girl I ran through working there to steal my previous business debit cards info when I was calling to pay off collection account i had with them from an ex-gf XXXX XXXX dumping her bad debt on me XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX  continue to illegally attempt to scan my body computers.. XXXX is the one who is ultimately responsible for the monetary mistakes made.
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 customer 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 wanted to see what was on my credit report. Today is XX/XX/year> and I didn't know I had a collections. I never owned XXXX. I never used them or will use them. I have a XXXX debt that I don't know anything about. It's hurting my credit
Product: Student loan

I have contacted the company ( I think ) 8 times now asking for the same thing. I have asked for a copy of my payment history so that I can submit it for my taxes to get some money back. I initially asked 2 months ago and MOHELA said they would mail it and never did. I then called and they said they were sorry and would email it. I never received that email. I then called again and explained that I hadn't received it by mail or email and that the tax deadline was soon approaching. They assured me I would get what I needed. The tax deadline came and went, but nothing. I called again and a supervisor put my case on 'highest priority '. I then got an email saying 'log in to view your paperless letter ', I was very excited to finally have that documentation after trying around 6 times at customer service. The link took me to the old MOHELA platform, and simply prompted me to log into their new platform instead. I logged in, and still nothing. I called 2 more times and have still had no luck. I don't know what to do. I am missing out on XXXX dollars in tax refunds because of this.
Product: Debt collection

Team Recovery has a collection on my credit report that is paid off and should be removed. Per debt pay off agreement, Team Recovery did not remove the negative derogatory collection debt info from all XXXX credit reporting agencies after account was settled. I called them many times about them to be fair and remove the collection and they never did. Now, Team Recovery is continuing to report to collection bureau every month as if it is n't paid and is adversely affecting my credit.
Product: Checking or savings account

I closed a 5 year fully matured XXXX 1 day after the grace period on XXXX My complaints : .Extremely high fees & penalties for only 1 day late on a fully matured XXXX XXXX disclosure that the XXXX would rollover into an extremely low interest that was a fraction of going rates .Bank clerk/manager refused XXXX give me any formal description or itemization of US Bank fees & penalties XXXX XXXX clerk told me ( XXXX senior citizen ) to go on line to get this information.. 

My suspicions : .Their competitive rates are called Specials so that the published terms & conditions can be worded in such a manner so that the customer is led to believe that the automatic rollover rates will be competitive with current rates.. 

. Their business model supports my belief that their excessive, hard to locate & calculate fees/penalties are a tool to make money from their busy customers, whose only misstep was to believe that they were dealing with a fair & reputable bank.. 

In my case ; XXXX day late cost me {$93.00}, more than XXXX of the interest rate, I had rightfully earned on a fully matured CD.. 

I want others to know, & beware of XXXX banks deceptive CD practices, & determine for themselves if this bank is worthy of their patronage.
Product: Mortgage

On XXXX I contacted Landhome Finance in XXXX, Ca and spoke with XXXX in customer relations. She advised my loan in XXXX # XXXX was pooled and sold along with being FHA insured # XXXX. The attached XXXX XXXX document shows XXXX XXXX XXXX as the Servicer and XXXX XXXX XXXX XXXX as the investor. XXXX XXXX XXXX trades under XXXX see the SEC XXXX database starting XXXX. This means you disolved my " NOTE '' into a securitized special pooling vehicle ( security instrument ). Landhome Financial breached my contract before I ever made my first payment and opened the door for a completely fraudulent process of my note and deed seperating them. Not to mention in XXXX I advised XXXX XXXX from Landhome Financial 's office by email under no circumstances would I do a mortgage with XXXX XXXX XXXX for they had already deceived me in years prior. Landhome Financial 's negligence along with several other entities allowed the fraudulent stealing of my home, my personal property inside and locked my animals inside XXXX them. Landhome Financial knew all along the devestation and fraud they caused me when they set me up on XXXX. The Truth in Lending laws tells me I had the right to know who my lender was and Landhome Financial took that away. In XXXX when I sent my complaint to the Consumer Protection Bureau Case number : XXXX you deceived them and myself continuing my homelessness with no compensation for the negligence and suffering you have brought onto my life.
Product: Debt collection

I have never been a customer with them. So I couldnt contact them but I kept disputing the charges and it keeps showing back. It has been hurting me in so many ways especially financially. My score I work so hard for keeps going down by so many points every time.
Product: Debt collection

I am writing to dispute an alleged debt with National Credit Adjusters, after numerous attempts ( letters sent to debt collector for validation ) they were unable to validate that I owe this alleged debt. How is this possible? Under the laws of the FDCPA, these negative items still being reported on my credit report. I have contacted the collection agency for proof ( copies of my signature, original contract with me and debt collector in agreement, original copies of the last statement or actual bill with me and debt collector. No official document or authority the collections agency has, such as a license to collect in my city/ state ) after numerous attempts still unable to get them to verify with any official permissible document that this is indeed my debt. 

I ' ve enclose copies of my requests to the collection agency, asking them to validate this alleged debt, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, debt collectors/ credit bureaus are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge them to remove this item before I am forced to take legal action. 

In the event debt collectors/ credit bureaus can not verify the item pursuant to the FCRA XXXX and continue to list the disputed item on my credit report I will find it necessary to sue for actual damages and declaratory relief under the FCRA . According to this regulation, I may sue in any qualified state or federal court, including small claims court in my area. 

Here is just a few of CFPB debt collectors complaint 's similiar to mines : XXXX # XXXX, XXXX XXXX, XXXX # XXXX, NCA # XXXX, NCA # XXXX, XXXX XXXX  # XXXX While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to CFPB protection and to enforce the law against all perpetrators in violation of FCRA. CFPB to protect my right to a fair and accurate credit report, also if legal actions taken and CFPB finds such perpetrators negligent against the consumer. CFPB represent as a witness on the consumer behalf.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : Private XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, TransUnion, XXXX, and XXXX, XXXX reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, another credit card account opened at XXXX XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, another auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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.
Product: Credit card or prepaid card

On XX/XX/2021, Chime bank sent me an email informing me that my account had been placed on " hold ''. However I found myself completely blocked from all access to the account, an Chime support team asked for documents verifying some of the account activity ( specifically both {$10000.00} & {$20000.00} deposits made from XXXX  XXXX, a company contracted by online gambling site XXXX XXXX  XXXX. ) I'm in proved all the asked for documents including a detailed list of all transactions depositing funds from the cash in outs I had made in the online gambling platform ; still this was not sufficient for chimes support team. I continued trying to satisfy their verification requests until they started asking for verification of transactions that did not even occur on my account, and eventually they closed the account completely and still are refusing to return the remaining balance still in my account, a total of about {$10000.00}. I've been trying to get this issue resolved for over a year now.
Product: Mortgage

We fell behind on our mortgage in XXXX due to hardship. Despite monthly attempts to CCO mortgage for forbearance, we received none. The representative, a XXXX XXXX XXXX from their collection department, repeatedly pressured my husband and I, XXXX, to short sale our property. Because we help over XXXX in equity, we found this repeated suggestion harassment. The In XXXX XXXX, we applied for of loan modification of our mortgage. We promptly provided all the required paper work, including a copy of my husbands XXXX and his XXXX XXXX statement reflecting his XXXX XXXX retirement income. XXXX XXXX then repeadedly called my husband requesting " the letter of permanent retirement income from XXXX ''. Despite My husband 's attempts to convince XXXX XXXX that this letter did not exist, XXXX XXXX continued to insist and to pressure us to short sale. In XXXX XXXX, XXXX XXXX closed and destroyed our loan re-modification application and our mortgage was then sent to forclosure. The day we recieved the notification, I promptly called XXXX XXXX supervisor and started a new application. Our paperwork arrived to CCO mortgage in 3 business days. We were accepted for an internal loan modification, however, we were charged between $ XXXX {$1000.00} to remove our loan from the foreclosure department. We agreed to this for fear of losing our home. We signed the loan agreement in XXXX of XXXX and have been on time with our mortgage payment since. My attempts to discover what exactly happened and how much we payed for the " forclosure Fee '' have been ignored. I know this practice was not legal and was another mortage company trick used to cheat consumers. We would like to recover this money and have it applied to the balance with interest.
Product: Debt collection

AFTER REVIEWING MY CREDIT I HAVE NOTICE A COLLECTION ACCOUNT POP ON MY CREDIT. THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). IF YOU DO NOT CEASE COMMUNICATION A LAWSUIT WILL BE COMMENCED AGAINST YOU. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM ALL 3 XXXX, XXXX AND EXPERIAN
Product: Mortgage

My mortgage was unfortunately sold to Amerihome, and I can not wait to be able to refinance somewhere else. Last year I fell 1 month behind on payments while on maternity leave. I was sending in payments as I was able, about once a week, not realizing this would throw my payments off. After many calls back and forth to them ( the specific name I believe was XXXX, though spelling may be off ) I was able to catch up, and this was verified by them, as well. Then the next month, a payment was lost it misapplied. After getting multiple proofs of payments that I did, indeed, pay them, they credited my account. Then all of a sudden they tell me Im still a month behind! Apparently they say they accidentally credited my account twice, none of which is obvious to me on their awful website, and that essentially Im responsible for their mistake. Ive sent in so much paperwork with proof of payments from my credit union, and even an XXXX  spreadsheet on all of the payments I made. Its hard to talk with anyone on the phone because it always ends up in around an hour phone call. XXXX just stopped calling me back and eventually became quite rude to me. So now Im accruing late fees, and the late payments are affecting my credit score. So over this company and their predatory practices.
Product: Credit reporting or other personal consumer reports

My mother stole my identity back in XXXXXXXX XXXX and opened up several credit cards in my name. She had all my information because I am her daughter. She never paid off the full amount of credit cards and the bills went to collections. I never authorized these accounts to be open.
Product: Credit reporting or other personal consumer reports

My account with XXXX, DEPT OF EDXXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX, DEPT OF EDXXXX, XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, DEPT OF EDXXXX, XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

VW CREDIT INC is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with FristBank Puerto Rico appears duplicated one with a balance of {$3500.00} and another one with {$3800.00}.
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX  I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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.
Product: Debt collection

I am being harassed by Southwest Credit. I do not know why they are contacting me but I have asked them all to cease immediately. I have no outstanding balance to XXXX and have already supplied them the information for it. I was contacted by XXXX, XXXX on XXXX and disputed it with them and then supplied the following information and they closed it. Then on XXXX, I was contacted by XXXX XXXX and supplied them the same information and they closed it out. Then on XXXX, I was contacted by XXXX  XXXX ( Collections ) and supplied them the same information via their website and they closed it out. Then on XXXX I responded to XXXX XXXX Online via their website with the same information given to the previous three companies. A couple weeks later I received another debt collection letter from XXXX again for same debt that I do not owe. I filed with you, and a dispute with them and it was dropped the next week. Today, XXXX, I receive a letter from Southwest Credit for the same debt, even though I have been called by them 3+ times a day for over a week and I have already told them I have no debt and to PLEASE CEASE! They have no formal dispute on their website so I filed one through their Feedback portal and informed them I was filing a complaint with you. 

I have all the previous letters and am not wasting my time going back over the same information I have with the previous four ( 5 ) collections companies when they are the sixth company pursuing a false claim. The mistake was on XXXX 's part and not mine. I was with them for ~23 years or so and had no contract. They acknowledged this in XXXX when I escalated it to a manager and was told then I had no debt and did not own anything because I was not under contract and had not been for many many years ... ..
Product: Credit reporting or other personal consumer reports

I have requested for a security freeze to be placed on my consumer file. Equifax has yet to meet my request so Ive sent another letter to request a security freeze. Its been so hard for Equifax to respond to me. They will have you waiting months before getting back a response. I have mailed the required documents to identify myself so that the security freeze can be placed.
Product: Credit reporting or other personal consumer reports

I am trying to freeze my Equifax credit report. For the last 3 months every time I try to login, I am told that my account is temporary unavailable. I can't do anything to freeze my account. Others are reporting similar experiences online, stating that the only viable resolution for Equifax to fix login was to file cfpb complaint.