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

This is the second complaint I have filed against XXXX. 

I am a full XXXX XXXX XXXX class member. As a full XXXX XXXX XXXX class member who is in the the automatic discharge group. I was due total and complete relief by a federally imposed deadline. Please know what I just said a federally imposed court deadline of XX/XX/XXXX. This is not my deadline. This was a deadline that was imposed by a federal court. This is verifiable by legal documentation I am enclosing with this complaint. Full relief entails discharge of all of my student loans, removal of all student loan data from my credit reports, and refund of all monies paid to any service or including prior service servicers at the time of this writing, XXXX has done nothing. In fact, XXXX has fought my complaints. And verified information to the credit bureaus after the relief deadline in blatant violation of the settlement Furthermore, they have updated my student loan balance with interest increases after the settlement deadline. They are destroying my credit. In fact yesterday my Trans Union score dropped XXXX points Soley because of the interest increase on the student loan they are not supposed to be reporting. They must remove these accounts from my credit report. There is nothing to discuss. There is nothing to debate. They have no discussion they have no excuse. There is nothing up for debate. I am a full class member I have proof I am a full class member I have the settlement documents. There is nothing to discuss. They were required by XXXX XXXX to remove these accounts they failed to do so. I am demanding you get involved you force them to remove these accounts. From my credit report, because they are reporting them in violation of the law to my detriment. This is unethical. 
As they knew, I was a XXXX XXXX XXXX member as they put me in for a XXXX as a result of this settlement. They were aware of the deadline and chose to ignore it. Furthermore, I have received a federal job offer. This job, Offer requires a background investigation. This background investigation requires a credit check. The erroneous information XXXX is reporting causes me to appear as a liability. XXXX may cause me to fail this investigation. They have been aware of this for months because I informed them of writing of the possibility I may receive this job offer. I received the offer on XX/XX/XXXX. The harm I am suffering is no longer speculative. Its real. Its present. You must uphold the law you must force them to remove this information. They were required to remove these loans from my credit report by XX/XX/XXXX. They failed to do so. There is nothing else to discuss. I am not subject to any other lawsuits currently pending or surrounding borrower defense they can not use that as an excuse. XXXX XXXX XXXX is a settled federal lawsuit. I have attached the full text of the lawsuit as well as my notice. Thank you.
Product: Debt collection

I HAVE NO KNOWLEDGE OF THIS ACCOUNT I DID NOT AUTHORIZE ANY OF THESE TRANSACTIONS XXXX  Credit Report As of : Today XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Status XXXX XXXXXXXX Collection XX/XX/XXXX Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1100.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$1100.00} {$1100.00} 1 Month Individual Comments : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX payment
Product: Credit reporting or other personal consumer reports

I have gone from a XXXX credit score to a XXXX and still am unable to get approved for any type of credit. I even have an XXXX that was formed XX/XX/2023 that Im unable to get any form of financing for all based on my experian and clarity by experian providing misleading information to myself and the potential lender. I feel that I am being discriminated against by not being able to qualify for any form of financial help when I have shown 2 years of on time payment history and XXXX collections or delinquent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed to place a freeze and an alert on my credit as a result of suspicious activity. I went to all three credit bureaus. Had no problem with XXXX of them, but Experian was a different story. A XXXX search result took me to a legit Experian site, where I went through a sign up process. The login URL for this site is https : //usa.experian.com/login/index. This site is a membership site that offers credit monitoring by Experian for {$24.00} a month. Nowhere on the site does it mention or offer a link to placing a freeze on my credit profile or an alert, which is what I wanted to do. Both of these are free. So in short, Experian is using promoted search results to ensure that consumers get directed to their pay services instead of basic credit services, which are supposed to be free. I saw no indication that what I was creating an account for wasn't my actual credit bureau file and related services. This is deceptive and goes against the spirit of the regulations requiring that alerts and freezes be made available for free. At a minimum there needs to be a landing page that asks consumers if they're trying to place a freeze or alert and redirects them to those resources. Instead I went through the entire sign-up process just to be offered a service that I have to pay for but wasn't looking for in the first place.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, ERC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
ERC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
ERC Account Number XXXX  XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just recently started using the app Experian and I filed a report when I noticed that a credit card had been opened under my name at a retail store which was not done by me. I started a dispute but it did nothing nor did it explain anything. Now I have all of these charges on my credit report that dont belong to me and are affecting my credit score, etc. I found out that my grandmother attached me to her account to get more credit available for the card which I did not approve of and would like for it to all go onto hers and not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have fraudulent accounts on my report that need to be removed.
Product: Credit card or prepaid card

I have A XXXX money network exceeds card which are issued by XXXX XXXX XXXX and maintained by XXXX XXXX XXXX. On XX/XX/XXXX they charged me XXXX, on XX/XX/XXXX they charged me XXXX, and on XX/XX/XXXX they charged me XXXX  for an account maintenance fee which is unusual since I have had the account since XXXX and I have never been charged a maintenance fee. I have screen shots of all my account months to prove that I have never been charged a maintenance fee until XX/XX/XXXX until XX/XX/XXXX and all three amounts are different. The reason for me not having to pay an account maintenance fee was that I had at least a XXXX in direct deposit each month. I called the phone number on the back of the card XXXX XXXX an operator that barely spoke any english answered the call and said: That they do not have access to fix that and yes she sees that I had never been charged it before. So they even admit to screwing up and stealing it but she's sorry she doesn't know how to fix this problem and neither did her alleged supervisor. I would like XXXX XXXX to return my XXXX and stop stealing from me and then when confronted about it stop lying about it and saying they can't do anything about it, which they have done in the past. Sounds like to me XXXX XXXX is up to its old tricks again and needs investigated. I will copy this statement and forward it to the appropriate people like i did last time XXXX XXXX stole my identity to open illegal accounts guess they have not learned lol.
Product: Credit reporting

XXXX XXXX XXXX is incorrectly reporting on my XXXX mortgage. XX/XX/XXXX I filed chapter XXXX and my XXXX was included. XX/XX/XXXX I called to have my XXXX mtg refinanced. XXXX said that it could not be done without refinancing the XXXX. I was underwater at this point and requested HARP info, they said I would not qualify but they would send. Within 2 wks they had " sold my XXXX '' and could not refinance, they then said they " sold '' my XXXX. I had to file bankruptcy in order to keep my home, I could not afford the balloon payment on the XXXX. I found out recently that both are still in fact owned by XXXX but serviced by XXXX. XXXX would not subjugate the XXXX unless paid and would still not guarantee that they would allow a refinance. Now neither XXXX or XXXX is showing my current XXXX mortgage on my credit report.
Product: Credit card

My account number : XXXX with citi bank was closed on XX/XX/year>. I had to request a closing letter on my account since the company never called or contacted me by mail or email. My account was opened for credit through XXXX. Citibank approved me for a XXXX credit limit. I since purchased items from XXXX on their installment plan. My account was in good standing at the time of the closure. I was trying to rebuild my credit since coming from home from prison. I have a criminal conviction of one count of Receipt of Child XXXX. I would like to have my account reopened in full compliance. If they choose not reopen my account then I don't want my credit report affected because of this closure. I believe they need to notify people in my case ahead of applying for credit so that we never apply to these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violations ; not mine ; see addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$460.00} Amount {$460.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification RETAIL Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$510.00} Amount {$510.00} Status Date XXXX  XXXX, XXXX Status UNPAID Balance Date XXXX  XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card

During my vacation. I rented a home XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX through XXXX. I agreed to and paid XXXX {$730.00} for the six night stay. In the property description, it was stated that " all rooms had air conditioning and that there was staff on the island dedicated to taking care of all of your needs while staying at our house. '' Upon my arrival, the home was not cleaned and I turned on the air conditioner in the bedroom and it did not work. I contacted the owner and told him that there was an issue with the air conditioner. This was via text. He replied stating that the cleaning lady would be there and she would look at the air conditioner. I stepped out the get dinner and returned only to find that the air conditioner had not been addressed. I called XXXX XXXX and left him a voicemail as well we sent him a text stating that the issue was not resolved. I never heard back from him. I tried calling the cleaning lady repeatedly as well and no response. The next morning I tried calling again both the cleaning lady and XXXX XXXX and no response. I then contacted XXXX to let them know there was a problem and they said I had to deal directly with the owner. I then sent the owner and the cleaning lady a communication that I would vacating the home and that the key would be in the lockbox. I also let XXXX know that I was vacating the home because it was to hot to reside in. 
I ended up checking into another hotel at a much higher rate due to the fact that I had no advance time. 
That same morning I contacted Bank of America to dispute the {$730.00} charge minus the one night stay of {$99.00}. I wanted a partial chargeback of {$630.00}. 
I would like to file a formal discrimination complaint against Bank of America because I feel my dispute was not treated fairly and not properly reviewed. 
Thank you very much for your time and consideration.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right of privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I use Cashapp aka XXXX XXXX for my direct deposit. They advertise direct deposit is two days faster, I am supposed to be paid this Friday and Cashapp hasnt made my direct deposit into my account. According to XXXX my direct deposit has been submitted to my bank on Wednesday this week. I filed a complaint against Cashapp, so they are holding my direct deposit to retaliate against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a complaint with XXXX  on XX/XX/2021 and they sent me an email stating that This complaint lists someone the company does not recognize as their customer or their customers authorized representative. I am personally filing this complaint. I am authorizing this complaint on my own behalf. I am resubmitting my complaint again as i am a victim of identity theft. I am also including the laws that state your responsibility and take my complaint seriously.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act. Cash failed to take timely and effective measures to prevent and address fraud on there platform. Leaving my account vulnerable and unprotected is the reason for this matter at hand. Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the EFTA Act.
Product: Debt collection

I was contacted by XXXX XXXX from XXXX XXXX, XXXX on XXXX/XXXX/XXXX demanding I pay a debt. I asked what debt? He replied an old XXXX debt. I told him I never had a XXXX account and demanded he send me validation. I received a letter from him dated XXXX/XXXX/XXXX stating I agreed to pay the debt on XXXX/XXXX/XXXX. I sent a response letter to him denying that the debt in question was mine and to send verification. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had received my dispute claiming unauthorized use of account. Today XXXX/XXXX/XXXX I receive XXXX letters from Jefferson Capital.1st dated XXXX/XXXX/XXXX stating they have received my dispute and are unable to resolve and request my SSN, Act #, description of error, dollar amount, date of suspected error, and copy of credit report. It 's been 4 months for them to respond! And then they are asking me for information that I was attempting to get from them for validation! The second letter I received the same day " introducing '' themselves as a debt collector and stating I have 30 days to dispute the debt. Is n't that what I 've been doing since the first phone call and letter four months ago?!
Product: Mortgage

Bank of America sold a loan in which I was in dispute as illegal. While I was waiting for BOA to verify that my home loan with them was not legal they sold a XXXX loan to XXXX Mortgage, XXXX. I am seeking an answer to my quest. In XXXX I purchased a home under the first time buyers XXXX program. In XXXX I filed for a Modification with BOA for refinanced loan in XXXX, after refiling for this MOD in XXXX, I discovered that the loan was not legal so I requested a QWR from BOA in XXXX XXXX. After a year of haggling on today XXXX XXXX I finally got the complete package. I also in XXXX of this year sent a copy of the pages of the original Deed which shows that this is not a legal loan as of today BOA has not responded or addressed this issue. I am seeking closure to this matter! 
I explained to BOA that I also had a second with XXXX XXXX XXXX XXXX which was illegal. After my sending XXXX the portions of the deed which outlined the restrictions on the deeded property they gave me a Lien Release. I am seeking the same results from BOA and the acknowledgement that they sold my loan while we were in dispute. I need BOA to relay their findings to me and CMS.
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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 1. XXXX XXXX AMOUNT : {$610.00} ACCOUNT NUMBER : XXXX 2. XXXX XXXX AMOUNT : {$6600.00} ACCOUNT NUMBER:XXXX 3. XXXX XXXX  AMOUNT : {$1200.00} ACCOUNT NUMBER:XXXX  4. XXXX XXXX XXXX AMOUNT:XXXX XXXX ACCOUNT NUMBER : XXXX PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY! 
ITS BEEN 60 DAYS OF ME DISPUTING THESE WITH NO VERIFIABLE INFORMATION However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Vehicle loan or lease

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports I have been patiently waiting on the Credit Bureaus response to the written requests I sent regarding EXETER FIN. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.