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

I have sent several letters to XXXX regarding information they are reporting regarding the accounts found below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Since XX/XX/2020, I have sent them letters asking them to verify these debts due to the fact that I have asked for " Validation '' from these alleged collectors that I have and they have not " Validated '' these debts!. Per the Fair Collections Practices Act, if a collection account can not be " Validated '' within the time frame allowed by law. ( 30 days ) the credit bureau in this case XXXX " MUST DELETE THE ACCOUNT ''. XXXX has failed to " Verify ''! XXXX has failed to " RESPOND TO MY LETTERS ''. For that reason due to the fact that they are in incomplete violation of the law, " THEY MUST DELETE THE ABOVE MENTIONED ACCOUNTS IMMEDIATELY '' That is all that I am asking for that they observe and respect the law.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>2023, the Equifax company has incorrect information about me, including my SSN, which they changed on that date, since then I have sent letters, called and to date my report is totally incorrect, additionally I can not remove the Freeze on my account
Product: Debt collection

Today XX/XX/2020. I spoke with XXXX, I was told by the representative, that they DO NOT KNOW WHO XXXX. is and that as of XX/XX/2020, the debt still shows as owed and valid. XXXX still shows no record of the payment I paid XXXX on XX/XX/2020 nor do they show any correspondence on XX/XX/XXXX from XXXX. I am concerned that XXXX misrepresented themselves, and stole my money, Its very odd to me that XXXX the original creditor can not seem to locate the payment and doesn't know who this company XXXX is. 

AmSher has refused to talk to me, directing me to the XXXX XXXX XXXX   XXXX XXXX. I called them today as well, I was told by the representative that XXXX XXXX was not available and that the account still shows as in dispute.
Product: Credit card

We have a Citi credit card that is affiliated with the XXXX program. Earlier this year, Citi asked us to upgrade to a new level of card and, at that time, said that using the card XXXX would not subject us to XXXX transaction fees. However, we received an e-mail message from Citi today, where they said that communication regarding no XXXX transaction fees was in error. I have a trip to XXXX planned for XXXX, 2015 and had planned on using this card on that trip for the very reason that I would not be charged XXXX transaction fees. I called Citi today XXXX XXXX XXXX ) and spoke with a customer service rep who said the only way I could continue to get no XXXX transaction fees on this card was to further upgrade to a card with a {$450.00} annual fee. Given what they told me when they asked me to update to my current card, Citi should honor that statement that I would not be charged XXXX transaction fees, particularly because I relied upon it in deciding to stay with this card rather than switching to a different card.
Product: Mortgage

Upon the closing of the purchase of our home in XXXX XXXX, we received a solicitation in the mail for Nationwide Bi-Weekly 's program. We signed up with Nationwide on XXXX/XXXX/XXXX, on the promise that our mortgage would be paid off sooner than 30 years. Our bi-weekly payment was set at {$340.00} for a total monthly payment of {$680.00}. We were charged a " one-time set up fee '' of {$340.00} at the beginning of the contract. In XXXX XXXX, we received a letter from Nationwide stating that " due to the loss of [ their ] banking relationships, [ our ] account will be temporarily deactivated effective immediately. '' We were further instructed that we should make all further payments to our mortgage lender directly ourselves. Just XXXX months prior, we had attempted to set up bi-monthly payments directly with our lender, and were informed that if we changed our payment plans, would essentially be terminating our contract with Nationwide, and we would lose our " set-up fee '' of {$340.00}. This was counterproductive to the goal we were attempting to accomplish, and no small amount of money for us to lose, so we felt we were forced to stay with Nationwide. Since XXXX XXXX, we have sought the assistance of the Kentucky Attorney General 's office, and did not get any relief. Now we have discovered that the CFPB recently sued Nationwide Bi-Weekly and won. In auditing our bank account for the amounts paid to Nationwide versus the amounts paid to our mortgage lender by Nationwide on our behalf, it appears that there was a difference of {$410.00} that Nationwide must have kept/profited, as that amount of money was not applied to our account with our mortgage lender, in addition to the {$340.00} " set-up fee '' that they are still holding, without just cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance Owed : {$200000.00}
Product: Mortgage

Here is a sample scenario that we see replicated quite a few times In XXXX, XXXX borrowers take out a loan with XXXX In XXXX of XXXX XXXX XXXX XXXX ( who was not the beneficiary ) appointed XXXX XXXX as trustee, and XXXX XXXX reconveyed the deed of trust. Since XXXX was not the beneficiary, the reconveyance can not be considered good. 

In XXXX XXXX XXXX as attorney in fact for XXXX assigned the XXXX XXXX Deed of Trust to XXXX In XXXX XXXX XXXX assigned the XXXX Deed of Trust to Resurgent Capital Services In XXXX XXXX XXXX d/b/a XXXX as attorney in fact ( without disclosing who they are attorney in fact for ) assigned the deed of trust to XXXX XXXX XXXX. XXXX XXXX XXXX had no interest in the deed of trust so this assignment can not be considered good. 

XXXX XXXX XXXX then appointed XXXX XXXX as successor trustee and XXXX XXXX then reconveyed the deed of trust. Again, XXXX XXXX XXXX lacked the record authority to do this, so the reconveyance can not be considered good. 

Phone calls to Resurgent Capital Services end up going nowhere ; the customer service people answering the phone do n't know anything, and they are not allowed to put a caller into contact with any technical people who could help. 

We have come across several of these situations where a homeowner has paid off a loan on their home and, because of poor documentation by these major players, the homeowners ' home is not cleared of the lien of the mortgage. 

I can provide copies of documents on specific files and would appreciate any help in getting these matters resolved.
Product: Credit card or prepaid card

CapitalOne put a restriction on my account claiming they can't verify my identy which they requested me to send in my government issued ID which I did XXXX XX/XX/2020 XXXX. Not only did they not update my information on my account, they refused to remove the restriction, hold my promised reward and closed my account. I sent to them my ID for verification the second time ( XX/XX/2020 ) and never got any notification from them working on my case. I demand that they re-activate my account and gave me my deserving reward of more than {$170.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a line of credit with XXXX XXXX on on XX/XX/2019 at XXXX. Received notification was not approved. Received a letter from XXXX XXXX on XX/XX/2019, which was dated XX/XX/2019 ) regarding the reason the application was not approved. Within the letter it states that part of the reason was due to the credit report that was obtained from the consumer reporting agency, Experian. The credit score that was reported to XXXX XXXX, by Experian, was XXXX. I check my credit score weekly and my score has not been below 600 for several years. Upon checking my Experian score on XX/XX/2019 it is XXXX and even going back several weeks, before the submission of my application, on XX/XX/2019 my score was XXXX. I have attempted to contact them via telephone at several different numbers which were located on their website, online, and thru a XXXX search. But all numbers lead me to numerical options that do not include speaking with a representative. I would like to know why incorrect information is being reported and why they do not have to further explain the inaccurate information that is being provided to my financial institution?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My XXXX XXXX XXXX XXXX credit account # : XXXX is lost/stolen and has over {$22000.00} in fraudulent charges/transactions that arent my charges. My XXXX XXXX/XXXX XXXX XXXX XXXX XXXX credit card account has {$500.00} in fraudulent charges/transactions. The {$500.00} is fraudulent charges/transactions and arent my charges.
Product: Student loan

On XX/XX/2023 I called what I thought was the student loan consolidation repayment program. The number given to me was XXXX. They said that I qualify to have my loan consolidated into one and have one interest rate, but that I would have to pay an enrollment fee off XXXX. I made XXXX separate payments of XXXX on XX/XX/2023, and XX/XX/2023. They said they would take out XXXX dollars every month for 240 months for the program. On Friday XX/XX/XXXX I received an email from aidvantage, giving me my monthly statement and I was confused because I thought I had signed up for the program. I called and got enrolled into save but now I know that I got scammed the first time. The website I was given in the letter is https : //melds.ed.gov. I have the fraudulent letter as well as the real letter of the student loan consolidation and payment reduction program and its exactly the same. I can provide pictures and documents that they sent me about the fraudulent payment program I signed up for. They have all of my personal information and Im currently closing my checking account and getting a new one, Im filing a claim and am keeping watch if anything opens up under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent credit card account opened in my name without my consent on XX/XX/2010. I dont know how it was opened, but Ill assume it probably was opened online. When I first noticed the credit card on my credit report in XX/XX/2010, I contacted both discover card and all three credit bureaus to file a dispute. I filled a police report with the XXXX Pa, Police department. I sent discover card and all three credit bureaus copies of the police report. I ask them all to remove that fraudulent account off my report immediately. I also ask discover card to provide me with proof as to how was the card opened without my consent/ signature. They never was able to provide me with that information. They did put in a dispute on my behalf and said the results was that it was my account anyway. The only credit bureau that removed it from my credit report was XXXX. Ive been disputing this with XXXX and XXXX ever since.. and its still on my report. Ive ask XXXX  and XXXX to send me information on how did they determine that XXXX and XXXX proved that the account belongs to me. They never sent me that information, because they dont have it.
Product: Credit card

I communicated to American Express National Bank directly to there PO Address communicated directly to their corporate inbox. I first communicated with them on XXXX of XXXX and they have yet to respond. 

As the original cardholder and holder in due course, I exercised my right to initiate a consumer credit transactions with American Express National Bank to open a credit account. According to federal law ( 15 USC Section 1602 ), a " credit card '' includes any device used to obtain credit, which I have granted your corporation. I am well aware of my rights as a consumer, and credit is a right granted by me, the creditor ( 15 USC Section 1602 ( f ) ). They denied my application, my right to extend credit, and discriminated against me. Additionally, reporting to consumer reporting agencies is voluntary, and I did not receive proper information to opt out. Additionally, I have not received any benefits from the use of my credit. The denial of my right to extend credit has caused me severe financial, discrimination, emotional, and mental distress. Also, I was deprived from my disclosure rights not to allow my personal information to be shared with the public and with 3rd party credit reporting agencies. The only credit bureau that exist is the CFPB. 
There are no federal laws that empower a credit score, missing credit bureau information, age of account, or the bank to deny me my right to extend credit ( 15 USC Section 1691 ). Discrimination against an applicant in a credit transaction is unlawful ( 15 USC Section 1691 ).
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX XXXX XXXX  XXXX XXXX and XXXXXXXX XXXX XXXX XXXX to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX  in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. 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, and 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 FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I can see many hard inquiries about car loan & money loan which I dont recall at all. Without my consents
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Product: Payday loan, title loan, personal loan, or advance loan

I revoked access to my bank account and debit card XX/XX/XXXX. The company has continued to try to access my bank account and remove funds. I stopped payment to them, and they used another account number to take {$10.00} on XX/XX/XXXX. I again reached out to them to revoke access, they refuse to do so. I have emailed them every day this week and I keep getting the runaround. I live in fear that I'll get my direct deposit income, and they will take funds that will prevent me from paying my bills.
Product: Mortgage

Outstanding principal balance XXXX $ Taxable value of property : land XXXX $ home XXXX $ XX/XX/XXXX : loan company sent letter to uncorrect address instead to me ( succesor of loan ), altough I'm registerd online with address and email stating : - homeinsurance returned because reinsurance of it is not rated B+ or more - various points related coverage - I have to comply with all points within 30 days - I should contact my insurance XXXX XXXX person of wrong address mailed letter to me XX/XX/XXXX called my homeinsurace and explained matter. Homeinsurance advised me to contact loan company and ask what they require XX/XX/XXXX. XXXX called loan company and asked for advise. Stating also that outstanding loan would even cover taxed land value in case of any loss of homevalue due to fire etc. Loan company was not willing to explain anything. Asking me simply to go online and look for other insurance. 

XXXX XXXX I'm unable to find insurance and do not know what to do > homeinsurance was in place since house was bought XXXX and got never rejected > insurance and morgage payments are all up to date
Product: Debt collection

Your organization has claimed that I owe a debt to your company, but I am unable to recall any outstanding payments or dues that I might owe to your organization. As per the Fair Debt Collection Practices Act, I request you to validate the debt and provide the required information to me before I proceed with any further payments. I will pay the amount under one condition if you can provide the following details : 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, and XXXX XXXX. XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}. I have already contacted other bureaus, and they have removed these accounts from their records after finding an error in the records. I am perplexed as to why your organization has verified them even though the other bureaus have removed them. I request you to delete these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Debt collection

I, am a XXXX XXXX, this compant is saying that I, have pass due money payments for the yrs XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX on my credit report, they are wrong, I asked the company for a deferment or forbearnece each of the years aove, I should have good credit no missed payments or late payments.
Product: Credit reporting, credit repair services, 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. 


Personal information : Wrong name Variations XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. The only correct name is XXXX XXXX XXXX. 
Other incorrect personal information are wrong phone numbers ; ( XXXX ) XXXX, ( XXXX ) XXXX. Other wrong personal information are addresses ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX, MA XXXX. My only correct address is XXXX Kings XXXX XXXX XXXX, FL XXXX. 

the following accounts are also fraudulent and need to be removed off my credit reports ; XXXX  XXXX XXXX XXXX XXXX ( {$550.00} ), XXXX XXXX  XXXX XXXX XXXX ( {$2800.00} ), XXXX XXXX # XXXX ( {$260.00} ), XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX ( {$1300.00} ), XXXX XXXX XXXX- XXXX XXXX ( {$750.00} ), XXXX XXXX XXXX # XXXX XXXX {$820.00} ), XXXX- # XXXX ( {$2700.00} ), XXXX # XXXX ( {$12000.00} ), XXXX XXXX # XXXX XXXX {$600.00} ), XXXX XXXX # XXXX XXXX {$460.00} ), XXXX  XXXX XXXX # XXXX XXXX {$720.00} XXXX, XXXX XXXX  XXXX # XXXX ( {$700.00} XXXX XXXX XXXX XXXX # XXXX ( {$5900.00} ), XXXX XXXX # XXXX ( {$2700.00} ), XXXX XXXX # XXXX ( {$1700.00} XXXX, XXXX XXXX # XXXX ( {$970.00} ), XXXX XXXX XXXX XXXX # XXXX ( {$140.00} ), XXXX XXXX # XXXX ( {$5600.00} ), XXXX XXXX # XXXX ( {$780.00} ), XXXX XXXX XXXX # XXXX ( {$2800.00} ), XXXX # XXXX, XXXX XXXX XXXX ( {$820.00} ), XXXX XXXX  # XXXX ( {$1700.00} XXXX XXXX XXXX XXXX  # XXXX ( {$8000.00} ), XXXX XXXX # XXXX ( {$970.00} ), XXXX XXXX XXXX XXXX XXXX ( {$2400.00} ), XXXX XXXX  XXXX # XXXX ( {$10000.00} ), XXXX XXXX XXXX # XXXX ( {$10000.00} ), XXXX XXXX XXXX # XXXX ( {$600.00} ), XXXX XXXX XXXX # XXXX ( {$120.00} ), XXXX  # XXXX ( {$370.00} ), XXXX  # XXXX ( {$970.00} ), XXXX # XXXX ( {$1700.00} ), XXXX # XXXX ( {$8000.00} ), XXXX  # XXXX ( {$10000.00} ), XXXX XXXX XXXX ( {$600.00} ), XXXXT # XXXX ( {$120.00} ) 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.