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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$12000.00}
Product: Debt collection

Thank you for your recent response to my concerns as outlined in your prior CFPB complaint response case # XXXX. I would like to dissect and highlight a few areas of concern in your response as follows. 

Midland : An investigation of this matter indicates that we became the servicer of the above-referenced account on behalf of purchaser, Midland Funding , LLC ( Midland Funding ) on XX/XX/2017 Concern : Attached response from XXXX XXXX indicates that you are not just the servicer as youve deceptively identified in your response, they in fact sold this alleged debt to you on XX/XX/2017. The term sold means that the original creditor is no longer associated with alleged debt. Authorization was never provided by myself the consumer to grant authorization to release my information in this transaction where Midland purchased the alleged debt. 

Your company Midland Funding LLC is in clear violation of the law!!!!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The experience would equate to the alleged debt which was never owed to you as there was no contractual agreement with Midland. 

Delete the above account from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in further escalation to include but not limited to legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful I look forward to receiving your response and hopefully no further escalation is required.
Product: Credit reporting or other personal consumer reports

( XXXX ) The banking system depends on accurate and fair credit reporting, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). Unfair credit reporting practices erode public confidence, which is crucial to the banking system 's ability to continue operating, and inaccurate credit reports directly affect the effectiveness of the banking system.

Therefore, the effectiveness of the banking system is harmed anytime there is a breach of the FCRA. Since I have discretion over what is and is not listed, this is a violation of my privacy with regard to my consumer report. If any accounts are reported without my express written authorization, identity theft will have occurred.

This is against 15 U.S. Code 1681b ( 2 ) as well as 15 U.S. Code 1681c-2. Under 15 U.S. Code 1681n, which allows for {$1000.00} per violation for accounts listed without my express written agreement, this opens the door to civil action against the credit reporting organization for careless and willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came into a XXXX XXXX car dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX XXXX. I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put one penny down. He said sure, they could roll everything in, and showed me a car that met my needs and had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX He assured me this was the process. Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. After coming home with the car I have found my credit was pulled by over 5 banks ( XXXX XXXX , XXXX XXXX XXXX, Keybank, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX ) without my permission. These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep. 

My personal information including credit history, social security number, and income was shared without my permission. This needs to be fixed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting a charge-off balance amount of {$3300.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The balance reporting is incorrect. This account balance needs to report {$0.00}. This inaccurate reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to update and/or remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, Dept of Ed/XXXX  ACCOUNT XXXX XXXX, Dept of Ed/XXXX  ACCOUNT # XXXX XXXX Dept of Ed/XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, ACCOUNT XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ran a credit check on my ssn in XX/XX/2020 when the account I had with them was a business loan using my EIN and it had already been sent to an attorney for collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent equifax a letter to investigate some inaccurate inquiries that were on my credit report. It took them well over 30 days to respond and I mean well over. 
They responded and said it was correct pretty much and I sent another letter on XX/XX/XXXX requesting them to prove it as I don't agree with their response. I feel as if they just did not check and responded because they were already late and I made a complaint. This has not been fair and now we are again over 30 days no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit Reporting act, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have violated my rights. 15 have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions ( I DID NOT GIVE THEM WRITTEN PERMISSION ) 15U.S.C 1681 ( 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 crime which antedates the report by more than seven year
Product: Mortgage

Freedom Mortgage calls me every week to ask me to RESUBMIT paperwork that I 've ALREADY PROVIDED MULTIPLE TIMES. 

This has been happening for over two months, going on three months. As a result, they keep delaying my forbearance application, charging me penalties and ruining my credit so that I have no ability to re-finance with another institution. 

The reasons they provide for the delay and request for re-submission of paperwork already provided are in an attempt to delay. 

The reasons have been ( a ) forgot to ask previously ; ( b ) personnel at Freedom Mortgage are not scanning documents properly ; ( c ) there are so many documents submitted, we are too lazy to confirm that we already have the docs we are requesting so it would be easier if you resubmit ; ( d ) the underwriter did n't review the docs properly ; ( e ) your single point of contact was out of the office and did n't have anyone covering his files in his absence ; and ( f ) your single point of contact does n't bother to look at your files when you submit docs but only every 3 - 5 business days. 

Also, why do they need paystubs in XX/XX/XXXX for a forbearance request from XX/XX/XXXX as a result of UNEMPLOYMENT.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX are reporting an alleged bankruptcy without the permission from the trustee of the estate of XXXX XXXX. XXXX, Experian, and XXXX are data furnishers that sell information to various companies. This is prohibited by the estate of XXXX XXXX. The name property and any other interest are copyrighted and trademarked. You do not have permission from the estate to report any such information or misuse the estate name in this manor!
Product: Payday loan, title loan, personal loan, or advance loan

The bank doing the below and actively trying to steal my money 1- When I make payment against the principal they always reverse it and go to some suspension and it will show in my account and count against the loan balance unless I spend hours in the phone wit them 2- The bank make it so hard for me to make payment against the loan balance, when they notice I have been regular payment online again the loan balance they stop the option for me to make the payment online, the only option now to make payment against the loan balance which they make me wait an hour to make the payment and they do not even process the payment
Product: Checking or savings account

Last month the Wells Fargo Bank on XXXX XXXX in XXXX, NC allowed an unauthorized person to withdraw a total of {$14000.00} from my checking and saving accounts. I spoke in detail with the branch manger however he was not the person who appoved the transactions to my knowledge. The accounts were then closed verbally by the same person that withdrew the money. While doing my own research to figure out how this happened I noticed that one the same day this same person used the online portal to change my personal information. I know who this person is because I had a restraining order on them for hacking into my electronic devices and email on a separate occasion. I asked the branch manager to provide me with any documentation that authorized this person to be on my account and he was not able to do so. He did however provide me with an email that stated there were no documents that could prove I gave her access to my accounts. It appears that the bank literally gave my money to someone who had no claim to it. Nine days ago I submitted this claim to the OCC the next day I was told that it was referred to the CFPB and after 5 phone calls over the last two days I 've come to conclusion that my claim is being ignored. At this point I 'm prepared to move forward with my lawyer in this matter after trying repeatedly to get it resolved.
Product: Debt collection

This is the third time that this same sleazy claim for taxes to XXXX has been made, and the claim is invalid as I was NOT a resident of XXXX for the year the claim is made having retired and moved to XXXX. By the way, XXXX does NOT have income tax and the XXXX claim is for income paid to me in XXXX and NOT XXXXXXXX This claim for taxes underscores XXXX XXXX desperation to prop up their failing state government. This is may be the first time that BC Services has made a debt collection for taxes not owed from me but they are chasing " ghost debts '' attempting to shake down money from those who do not owe that money. They should be publicly shamed and I will take legal action if they do NOT drop their effort immediately. That action in XXXX requires they come to the XXXX  Court and pay a filing fee, and they will be subjected to paying any and all legal fees involved including treble damages for actual debt claimed. BC Services is NOT listed as a XXXX company and has not listed a XXXX representative where a summons can be filed compelling their attendance for legal action. I do NOT owe {$170.00} to XXXX and this was discharged by two previous debt collection attempts. This is nothing less than a criminal shake down for a debt NOT owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation student loans DEPT OF ED/XXXX DEPT OF ED/XXXX DEPT OF ED/XXXX DEPT OF ED/XXXX FRCA Violation collection ASSETCARE LLC FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit reporting

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 SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX 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 reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and saw a bankruptcy on my report. I disputed this as inaccurate information and asked for proof of confirmation which I never received. I have never filed bankruptcy and never lived in SC. I am the victim of identity theft and had fraud alerts placed on my report. I have disputed this countless times to no avail and this is causing me financial stress and hardship. I disputed and had removed from other bureaus but XXXX  and Transunion is still reporting inaccurate information.
Product: Debt collection

The following message is being sent multiple times during the week with no recurring schedule. This transcript was captured by our XXXX  voicemail system. 

" This message is from XXXX XXXX XXXX calling on behalf of XXXX XXXX XXXX. You may log in to our website at XXXX or call XXXX for further details to make your payment in full. You will need your reference number and ZIP Code. '' - XXXX Mailbox XXXX has a new voice message from NAVIENT ( XXXX ). 
Length : 28 seconds Received on : XX/XX/2021 XXXX ( CDT ) There has been no written notification of any debt as required by federal law. We have no reference number. That has kept us from returning the calls because of the obvious scam. There is no information that identifies the recipient of the call, so this is apparently a generic robocall. The web site listed is " under development '' and not a functioning web site. XXXX 's home web site is also not functional. 

There is no debt owed to our knowledge. There has been no hit to our credit rating XXXX XXXX  : XXXX out of XXXX XXXX, so this is not a legitimate claim. The use of Navient implies a student loan is involved. This phone number is relatively new and was not in service at the time any of our children were in school. We have disconnected the phones in the home in order to avoid a daily recording of these messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to validate these accounts on my credit report. As seen by several attempts, XXXX has either overlooked or ignored my requests several times to validate these accounts. Yet, they continue to report these account to my credit reports. 

XX/XX/2019 & XX/XX/2019 i sent a request for validation to XXXX & XXXX XXXX asking for an instrument of indebtedness.Both XXXX & XXXX XXXX have failed to respond correctly to each of these letters. XXXX XXXX never responded and XXXX responded " stating that if i wanted to discuss this account to contact them '' ... ... ... but I'm making contact with you through the letters, this response was in response to correspondence I sent YOU ... 

XXXX is reporting these accounts to my credit reports without validation to me, without an instrument of indebtedness showing that these accounts are indeed mine. 

Futhermore, when i have disputed with the credit bureuas experian, transunion and equifax ... they have all came back and said that the accounts have been verified but none of them can show any proof of what that means. 

IT HAS NOW BEEN BEEN 107 DAYS SINCE I SENT MY FIRST REQUEST FOR VALIDATION TO XXXX AND XXXX XXXX AND TO THIS DAY NEITHER HAS VALIDATED THIS ACCOUNT, NEITHER HAS SHOWN THIS INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM. 

XXXX is falsely reporting open and closed accounts on my credit reports. 

The following accounts are being falsely reported. 

RE : Account # # XXXX ( All accounts fall under this umbrella ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I recently reported an error in my credit file with XXXX regarding a mortgage with Chase Mortgage Services. XXXX came back stating that the item was verified and reported correctly, when in fact, I sent them documents to prove my dispute. Chase is reporting a mortgage in the amount of {$220000.00} obtained in XX/XX/XXXX for an investment property located in XXXX MD as included in bankruptcy when it was not. Further, on XX/XX/XXXX, the loan was transferred to XXXX for servicing and no longer serviced by Chase. Chase and XXXX both have failed to update my credit files accordingly. I have sent a letter to Chase and to XXXX ( again ) requesting that they update this information immediately. I 've attached a copy of my letter to Chase Mortgage along with evidence that this loan was exempt from my Chapter XXXX filing in XX/XX/XXXX as well as a copy of the letter they sent confirming the transfer of the loan. I request that both Chase and XXXX update my credit file as noted on my letter dated XX/XX/XXXX.
Product: Credit card or prepaid card

Today XX/XX/2020, I received an email at XXXX XXXX from Barclay thanking me for transferring my reward points to my UberApp. However, I did NOT transfer those points, I was asleep. 

I talked to a customer service representative via Barclay 's online chat service and was informed the company updated its terms of service so that beginning in XX/XX/2020, points may only be used on Uber services and that points are automatically transferred at {$50.00} to my UberApp. 

I've been a card-member for over 2 years and this is the last straw. This 100 % unacceptable. Barclay 's business practices are fraudulent, as this isn't the first time they've done something like this. 

Under the original terms of service, the terms they advertised and marketed that made the card appealing to me to begin with, points earned at restaurants and bars were 4 % cash back and all points could be redeemed for cash or credit to the account or uber cash. 2.5 years later, all of sudden bars and restaurants are worth 3 %, while the uberapp is worth 5 % ( something I don't use on a regular basis ) and all of my points I racked up over the years that I thought I was saving to be redeemed for cash, can now only be used on the UberApp, something I don't really use. 

This is bait and switch behavior and fraud. I asked the Barclay representative for a corporate office number to call and she said there was no number that I could call. I asked that a check be sent to me for the rewards points that I had earned, she said she could not do that. Unacceptable. After I indicated I would be filing a complaint, she told me a manager will contact me in 24-48 hours.