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

This is a complaint against the Fraud Department and Special Needs of Equifax in XXXX and English, I am a victim of identity theft for more than two of us, and they have many reports that I have sent to them, to dispute and to remove those accounts from my report, but it is who have said that the police report that I uploaded say they do not meet the requirements of the investigation department and that the police report is fraudulent. In other words, the XXXX XXXX XXXX Police Department, Fl XXXX, made fraudulent reports the XXXX  fraud department. They are affirmed that this report is false. The accounts I am disputing are seven ( 7 ) and one of them Equifax is reporting double is XXXX/XXXX # XXXX for an amount of {$16000.00}, and the other is from another account # XXXX, XXXX   XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX   XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX. And the following inquiries, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. These accounts do not belong they were not opened by me and this is why I go to the Consumer Finance bure so that you are witnesses that the department of fraud of Equifax in XXXX do and say what they want at such level to discredit the police with fraudulent reports according to XXXX. I invite the board or do not know which department receives these complaints, audit their employees and be more cautious when it comes to accusing and saying that a state police  department makes false reports and that their officers are corrupt because they are pretending to do these false reports. As they say they are false, here I am going to ask that this department be contacted to see who is right. I feel humiliated by the Department of Special Needs that manage my credit becauseI have sent via upload through the email which they send to me after I have talked to them. I comply with everything asked of me and even then they dont remove the accounts even with a police report and according to law which they are supposed to remove within 5 days.
Product: Mortgage

My husband we did a reverse mortgage back in and XXXX or XXXX The company XXXX XXXX came to us we never wake looking for there they made us think it was a great deal they knew I was under the age meaning that XXXX and now I'm one of move my home because of this XXXX  movr me my husband XXXXI believe with XXXX XXXX  Reverse mortgage during that time my husband was over XXXX I was still in my early XXXX Then a new Reverse mortgage company XXXX  called Celink took over in XXXX or XXXX my husband passed away XX/XX/XXXX from that point they contact me I'm living in our home Me and our XXXX XXXX XXXX son and then that's when you know I'm receiving forms To be signed and notarized plus I had to get the XXXX  XXXX lean off the account which was already done the same day should have been removed would never was all this information which I sent it to them requested everything and they sent XXXX paperwork that had to be notarized and signed off I did all the next thing thrir wanted I know in XXXX their telling me that I was not approved a can not stay in my home unless I paid off the mortgage or short sale or Refinance so me and my son have to move on find something my credit is not the greatest but I'm living in my home and now the plan on for closure on my home and I don't have any help would trying to remain in my home XXXX XXXX XXXX XXXX  XXXX Virginia XXXX my telephone numbers XXXX I am paying the taxes and Insurance the insurance has been paid monthly
Product: Credit reporting, credit repair services, or other personal consumer reports

theses are hard inquiries on my report.That needed to be removed.      Jc Penney Fund Suite
Product: Mortgage

My escrow went up drastically. In a previous complaint that Shellpoint answered, they stated that my building DID NOT have insurance from XXXX XXXX XXXX to XXXX XXXX XXXX. 
This is incorrect information that I previously provided the lender with. 

They purchased very expensive FORCE PLACE insurance. I want my money refunded because the building WAS COVERED. I am attaching the insurance to this complaint
Product: Vehicle loan or lease

I purchased a vehicle on XX/XX/2020. After 5 months, I still dont have a title or any documentation about the vehicle. Dealer refused to give me proper documentation to register the vehicle myself. After the temporary tags expires dealers keep registering same vehicle in multiple states. 

As I can't get a title under my name, or the proper information to registered myself. I call the bank for help. But they stated that they don't have a title either. Im a XXXX resident and Im supposed to be the title holder and need it to transfer my old plates. I paid for the services. 

I'm making payment for a vehicle that I don't have any documents. I ask the bank to stop collecting payments until the situation is resolve, and honor the FTC Preservation of Consumer Claims and Defenses Clause, which they refused. 
Im stuck and I need help Vin Number : XXXX Dealer : XXXX XXXX Bank : bridgecrest financial Account Number : XXXX Name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting 3 student loan accounts with incorrect original delinquency dates, which is preventing them from aging off of my credit report. All of these accounts went into repayment per the promissory notes in XXXX, and they have never been brought current. However, Navient re-aged them in XXXX after my chapter XXXX bankruptcy plan was completed, and is reporting them with an original delinquency date of XXXX. They are scheduled to be removed in XXXX, but they should be deleted due to their age. 

I have attached the complete account history for all 3 loans and they show the 1st late fees charged on XX/XX/XXXX, which is the true original delinquency date. There have been some payments made to the accounts, but they were made involuntarily by my bankruptcy trustee during my chapter XXXX bankruptcy, which was from XXXX, & the amounts the trustee paid were not enough to bring any of the accounts current. 

I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe these debts, the accounts are over the statute of limitations in my state, and the accounts have been reported as delinquent on my credit report over the maximum reportable time per the FCRA.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history 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 my 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 to be updated.

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 XXXX  days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number : XXXX - {$230.00}, XXXX, XXXX account number : XXXX - {$200.00}, XXXX XXXX XXXX account number : XXXX - {$280.00}, XXXX XXXX XXXX  account number:XXXX XXXX. XXXX XXXXXXXX account number : XXXX - {$65.00}, XXXX account number : XXXX, XXXX XXXX  account number : XXXX - {$420.00}, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX  account number : XXXX has 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.
Product: Checking or savings account

Issues : 1. I would like to point out that I did not state that there are funds missing on the XX/XX/2018 CFPB complaint No XXXX. I would like to know why they are claiming that I stated that there are funds missing. 
2. Why did the manager gave me 2 small pieces of paper when I opened the accounts?

3. Banks should provide transaction receipts even though they issue bank statements. Customers are entitled to transaction receipts.

4. Union Bank should not request customers to swipe their drivers license. I have heard that drivers license could be easily duplicated. Union Bank exposed their customers to these threats.

5. Union Bank should not have issued me an ATM card with pin purchase privilege when I told them that I only want a card for deposit and withdrawal. I could have made other arrangements.

5. Union Bank responded to my previous complaints but their responses are not satisfactory.

I would like Union Bank to respond and CFPB and other government agencies like Department of Motor Vehicle and Federal Trade Commission and other agencies.
Product: Checking or savings account

I am angry because I had deposited my paycheck in my chime checking account. I had thought my check would be deposited by the end of today, but no they are telling me the XXXX of this month. I can't wait until then because I have bills that are due now. They are holding my money hostage and stealing it.
Product: Student loan

Issue # 1. Decades of Missaplied payments, in Navient 's favor : My mother consolidated me and my brothers student loans into a XXXX XXXX Parent plus loan back in the mid-late 2000 's. The XXXX separate loans had varying interest rates, and separate payment streams, so that I could pay down mine, and he could pay down his. Over the years, we found that XXXXNavient misapplied my payments in their favor. After years of this misapplication, and countless calls to their customer service departments, we have never received any type of followup, feedback, or resolution to the complaints we have made to have these issues solved or rectified. Promises are of course made over the phone ( we 'll straighten this out ), but the systemic issue is never, ever resolved. Therefore - I believe that with almost a decade 's worth of misapplied payments, my nearly {$60000.00} student loan, can and should likely be halved ( due to almost the retroactive correct application of nearly {$20000.00} of missapplied payments ) as I 've been paying diligently, and in excess of the minimum rate, to ensure I can pay it down quicker, and erase the interest and principal in a strategic manner. 
Issue # 2, Navient misapplied my mother 's payments to different account : I believe during the transition from XXXX to Navient, something happened where my mother paid her regularly scheduled 8 monthly payments of {$160.00}, totaling {$1300.00} - but they were misapplied to a different account, with a transposed XXXX digits. We incurred late fees - which we have already paid. My mother wrote a letter to them, they said they never received, we have even provided documentation from our own bank records detailing that these payments were taken by Navient. So - we need {$130.00} in late fees reimbursed, and the {$1300.00} properly applied to our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been demanding to have these accounts removed with Transunion and XXXX, and they refused to do so. I have been in communication with Transunion and XXXX, they are refusing to remove these accounts that they did not have permission or consent to furnish on my behalf. They did not respect my rights to privacy, nor did the have any written instructions from me pursuant to 15 usc 1681 ( a ) ( 3 ) and 15 usc 1681 ( a ) ( 4 ). Please see the following TRANSUNION accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of education/XXXX  Dept of education/XXXX XXXX XXXX XXXX XXXX ADDRESSES THERE SHOULD ONLY BE 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 ADRESS THERE Should only be XXXX XXXX XXXX XXXX XXXX XXXX NAMES Should only be XXXX XXXXXXXX Thank you
Product: Credit card

Capitol one is telling me I have a card that I DONT have, but I do have a different card from them. I noticed this from my monthly statements over a year ago if not longer. I have called them many times to get clarity on this matter but they themselves cant give me an answer. The card they say I have has a totally different card tier level. I told them with my credit I wouldnt even be able to get approved since the card is a XXXX XXXX card with many perks and a lot more requirements to obtain it. The interest rates are different and it doesnt have a yearly fee which I am being charged. I got notification from the XXXX  and other sites stating that my account has been closed and I called Capital one to inquire and they said they dont see that it has been closed. I asked them doesnt that seem odd and they agreed yet said they cant do anything about it. I asked if my balance can be placed on hold until this all gets resolved. They denied my request. I also told them that if you are saying I have that card my balance should be adjusted greatly because of the status and benefits that card offers and If I would have known I could have saved thousands of dollars that those benefits would have covered. After many calls they started to mock me over the phone. My credit has dropped greatly and still dropping. Its affecting my buying power and credit options. The Cards dont even say the same things on it. They opened a fraud investigation a few times and found me at fault for all. I keep telling them that I am not disputing charges. My account is now currently closed without any prior notice from them which isnt allowed, but my online account still works like nothing is wrong. They also said that doesnt make sense yet they still do nothing. I have exausted all my options. I even sent a complaint to New york department of finance and they responded saying that they received my claim but they are not the governing entity for capital one so they forwarded it to this department with further instructions to contact me. I didnt hear a response in a long time so Im putting a claim in myself. Can you please help in this matter because I know Im in the right yet cant get any satisfaction. Thanking you in advance.
Product: Money transfer, virtual currency, or money service

I am filing 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 these violations.
Product: Debt collection

son took out home equity loan, I signed as a grantor to use my house as collateral. I have NO mortgage. Son died. Loan is ONLY in his name, I was turned down for food stamps because they do n't see that I 'm still having to pay on dead sons loan. I live on SS and loan comes only in his name at XXXX a month. Indiana offered hardship loan of {$30000.00} to Chase bank but needed assumption letter with my name on it. Chase refused stating they only do that for mortgages. I applied for my own loan just so I could lower payments, even with a credit score of XXXX they turned me down. I 'm XXXX yrs old. I do n't see how this is legal banking practices. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i paid my lease in full and Ally Financial is reporting a voluntary repossession on my credit. this has damaged my credit score.
Product: Debt collection

i WAS VERYFYING MY CREDIT REPORTS AND NOTICED THAT THE COMPANY NAMED MOUNTAIN RUN SOLUTIONS XXXX XXXX XXXX ARE TRYINGTO COLLECT A DEBT OF 1 MONTH FOR A INACURATE AMOUNT OF {$2700.00} AND REPORTED THAT I AM DEINQUENT FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX TO MY CREDIT REPORTS WHERE I AM SURVIVOROF DECLARED DISASTERS DR4493-COVI19 PANDEMIC, DR-4473- EARTHQUAKES, DR-4339-HURRICANE MARIA AND THEIR DISRUPTION CAUSED I HAVE A CAR ACCIDENTWITH PROPERTY LOSS ON XX/XX/XXXX, AND DR-4336. FOR THOSE TERMS THE DEBT SHOULD NOT BE REPROTED IT IS AGAINST MY RIGHTS AND AGAINST CARES ACT, AND FOLLOWING BILLS. THEY ARE FALSE STATEMENT AN AMOUNT THAT I DID NOT OWED, THEY DID NOT PROVIDED ME THE SAFETY THAT THEY PROMISEDWHEN THEY OFFERED ME AN SECURITY ALARM SERVICES AND THEY ALLOWED TO PERSONS EXTERNALTOMY FAMILY AND COMPLETED STRANGERS TO ME AND NOT RELATED TO ME ENTERED TO THE HOUSE AND CAUSED ME AN AGRESIONS AND ROBBERIES AND STEAL MY BELONGINGS IN XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, PR XXXX, WERE THOSE PERSONS ARE RELATED TO OTHER PERSONS THAT STALKED ME AND CAUSED ME DAMAGES AND LOSSES, AND XXXX XXXX  ME ON XX/XX/XXXX. THEY BROUGHT THIS PERSON TO THE NEXT HOUSE TO MY HOME TO XXXX XXXX XXXX XXXX ( XXXX ) XXXX  XXXX XXXX PR XXXX WITH THE PURPOSE TO INTIMIDATED ME TO LEAVE THE HOUSE AND THEY COULD STEAL THE HOUSE AND THE MONEY THAT I PAID THAT WAS IN MONTLHY PAYMENTS {$150000.00} AND OVER {$250000.00} IN REPAIRS AND REPLACEMENT OF STEALED AND DAMAGE PROPERTY. THEY STEALED MY RECEIPT AND FOUND THIS AND REPORTED IT, A ND CLEARLY WANT TO HARM MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon further examination i learned that my information was compromised in the equifax data breach and the cell phone carrier XXXX XXXX data breach where attackers were able to use my information and place my information on several platforms to be used and abused. i have received several notifications that my social and other personal identifying information of mine was compromised. which also shows that my right to privacy has been breached, there was not any lawful authority to transfer my social security number or personal information amongst the attackers, creditors or consumer reporting agencies this is identity theft pursuant to 15 usc 1681c ( 1 ) the information that i have presented to you was not blocked in error the information i have requested is of fact so there is no material misrepresentation of the fact. i have tried to ratify this with the consumer reporting agency in an effort to correct the inaccuracies which includes erroneous accounts and collection attempts as well is incorrect personal information, as of todays date the consumer reporting agency has failed to correct the mistakes. damage has been done to my reputation and as stated previously a breach of my privacy. I have even lost the opportunity to seek or get credit. based upon the FTC surveys the CFPB complaints have doubled since XXXX  due to errors on consumer reports which is frustrating. violations are that the consumer reporting agency negligently and willfully violated the fcra by not following reasonable procedures to assume maximum accuracy of the information concerning the individual about whom the report relates, by not complying with the fcra re investigation requirements regarding the accuracy of information that is included in my file, by providing my consumer credit file to companies without doing the due diligence of determining if the companies even had permissible purpose to obtain my credit file, Refer to miller vs equifax info services which is a case of fact of errors on XXXX credit report that she repeatedly tried to ratify, what i am currently dealing with now. Here are a few court cases to refer to Miller v Equifax Information Services LLC or XXXX XXXX XXXX XXXX, or even the class action law suit involving XXXX to pay XXXX XXXX which all are due to inaccurate reporting, which seems like the only way for a consumer to get their consumer credit report corrected is via a law suit.
Product: Mortgage

A qualified endorsement was Tendered and delivered to LoanCare , LLC and it was received by Priority mail Express on XXXX XXXX, 2017 @ XXXX XXXX by XXXX XXXX. This tendered payment is an instrument considered as U.S. Legal tender in the secondary market and is a consideration to pay my mortgage in full and satisfy the mortgage. I have not received any letters or written correspondence at all, and did not receive any notification or filings that my mortgage will be receiving a certificate of satisfaction and or released from obligations.
Product: Credit reporting

victim of identity theft and fraud I have never establish credit or lived outside XXXX before 2014