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

I am exercising my right under the Fair Credit Reporting Act Under section 15 U.S. Code 1681b - Permissible purposes of consumer reports Account name XXXX XXXX Account number- XXXX Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a sub- poena issued in connection with proceedings before a Federal grand jury. ( XXXX ) In accordance with the written instruc- tions of the consumer to whom it relates. ( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in con- nection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an ac- count of, the consumer ; or ( B ) intends to use the information for em- ployment purposes ; or ( C ) intends to use the information in con- nection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in con- nection with a determination of the consum- ers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fi- nancial responsibility or status ; or ( E ) intends to use the information, as a po- tential investor or servicer, or current in- surer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit ob- ligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business trans- action that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) XXXX departments and agencies in connection with the issuance of government- sponsored individually-billed travel charge cards. ( XXXX ) In response to a request by the head of a State or local child support enforcement agen- cy ( or a State or local government official au- thorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals case
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are some accounts that I don't recognized, someone stole my identity and obtained the unwanted negative items reported across the three Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX, Equifax, and XXXX consumer reports, and I noticed that it is reporting my transactions and experiences with this company.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EQUIFAX about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX  XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit card or prepaid card

I previously applied for Citi Aadvantage Platinum Credit cards and earned rewards points with XXXX XXXX by using these cards for purchases. I also earned rewards points by flying with XXXX XXXX and by purchasing miles or gift cards directly through the airline. I still have unused XXXX XXXX gift cards.

However, I received a notice this year that my XXXX XXXX account would be terminated, effective immediately, and all rewards, earned or purchased, would be revoked. The explanation provided was for fraud, misrepresentation and/or abuse of the AAdvantage Program. This is unsatisfactory and sets a terrible precedent that a company can sell rewards and benefits to consumers, and then their partners can revoke them at any time for any generic/blanket reason, and consumers are left without any options after having spent time and money buying and earning those rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the copy of the original note I had with Navient. Navient is providing incorrect information to XXXX XXXX XXXX and refinancing amounts that it is impossible I owe. Navient refuses to provide a copy of the note, amounts owed, how it was calculated and the amortization schedules I requested via certified mail. Instead, they send me letters to swear that I do n't have a loan. I do n't understand why Navient ca n't provide this information to me but they easily provide a document to XXXX XXXX XXXX swearing a certain amount is owed but they can not provide the supporting documentation to me. Now XXXX XXXX XXXX is overcharging me due to Navient 's incorrect information and refuses to correct its documents and provide the documents to me so that I can correct their error. This is causing me to owe thousands of dollars I am positive I do n't owe. I am a XXXX for XXXX XXXX for over ten years and this is taking money away from my own children. Please let me know what Navient discovers and/or provides regarding my note, interest owed, calculations, etc. Thank you.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and 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 Experian, XXXX, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that XXXX XXXX XXXX XXXX XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. 



1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Validate the late payments. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6.XXXX Account Number : XXXX 7. XXXX XXXX Account Number : XXXX 8. XXXX  Account Number : XXXX 9.XXXX  Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX-XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Wife and I had an auto loan that was paid in full on XX/XX/2019, lender XXXX XXXX XXXX. I have the title to the car signed off by XXXX XX/XX/2019. Equifax continues to show an outstanding balance of XXXX.This significantly lowers our credit score.We have filed disputes with Equifax four times and each time denied. The error remains on our report. I spoke to a supervisor today on the phone for over an hour and they can't fix it until their latest dispute process finishes, which might be several more weeks. ( Confirmation # XXXX ) We have spoken with our former car lender, XXXX XXXX XXXX and they again state the loan is paid in full since 2019. The other two credit bureaus have the correct information, it is only Equifax that has the error. Since we are on the east coast Equifax is most often the credit bureau used. Appreciate any assistance.
Product: Debt collection

I have a collection on my credit report from Receivables Performance Management. I was not aware of this collection until a review of my credit report inXX/XX/XXXX. This collection is from XXXX XXXX XXXX. By the way, I currently have service with XXXX XXXX XXXX. InXX/XX/XXXX when I paid the bill that 's being reported to my credit, it was paid to XXXX XXXX XXXX not Receivables Performance Management. I have no contract with this company nor any knowledge of this debt being reported to any outside collection agency. I 've made multiple attempts to get this agency to remove this collection, but now when I call them, they tell me I have to speak with a manager, place me on hold for extended periods of time and disconnect the call before I 've even spoken with anyone. I would just like this collection removed and I am making this complaint as I 'm not getting assistance dealing with the Collection Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been back and forth with XXXX  XXXX  in regards to two accounts XXXX, and XXXX. 
These accounts was charged off XX/XX/2022 and XX/XX/2022 per XXXX credit report. However, I've yet to recieve the canceled portion of a 1099c. Per IRS Publication 4681, Charge offs, when sold to a third party it is an certificate of indebtness with 1099c and is now INCOME, furthermore income can not be on a consumer report. Furthermore, XXXX XXXX is in violation as there privacy policy states that I as a consumer have a right to opt-out of third party sharing and that they only can do so with my written consent, which I never gave.I 'm also fully aware of XXXX XXXX trading and selling on my name unauthorized. Pursuant to the XXXX sec filings ( indenture agreement ) XXXX XXXX failed to disclose My right as issuer to transfer my securities for discharge and recieve payment for doing so, which without disclose of this it's obviously securities fraud, because they're still selling and trading on my name unauthorized.
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 =urthermore, 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: Mortgage

I received a letter from Wells FargoXX/XX/XXXXbased on that statement I owed {$650.00} I paid {$200.00} which I thought would bring my bill down to {$450.00} but instead the letter indicated I owe {$1300.00} after talking to several representatives my balance actually was {$710.00} as of XX/XX/XXXX statement. I called Wells Fargo and I had representative name XXXX ex XXXX working with me i was trying to get the late fees waived because in XXXX I filed banckruptcy and I reafirrmed with Wells Fargo and the amount we agreed on was no late fee just 4 % intereste rate, my court letter indicated no late fees. Then I received another statement dated XX/XX/XXXX with a new balance of {$910.00} I called XXXX to find out why would my statement go up {$200.00} she tried to explain to me that since I missed XX/XX/XXXX payment they added the XXXX to my statement because I missed XX/XX/XXXX payment. I told her that I can see a late fee and interest but how can Wells fargo justify adding {$200.00} to my statement.
Product: Checking or savings account

My Bank of America business account was frozen and credit card account was closed. With no prior notice both accounts were immediately suspended sending a ripple effect of un paid bills that i thought were getting paid. With this ripple effect it literally shut down my business. Without being able pay my bills it affected my ability to operate my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CREDIT REPORTING agency complaint of online and written correspondence disputing account inaccuracy ; they willNOT update or remove fraud accounts and Identity theft. FOR EX : XXXX XXXX is in dispute ( loan discharge ) due to identity theft, also, reported to FTC. Showing debt to income ratio error. All accounts are individualized and old accounts discharged by chapter XXXX and not reported correctly. Only have 2 open credit accounts at this time, but my report shows accounts not mine. Denial of credit due to fraud, account inaccuracy and identity theft. Online access denied report number EXPERIAN CREDIT XXXX XX/XX/2017.
Product: Mortgage

My signature has been forged on US Bank loan documents. 

XXXXUS Bank accepted and deposited my mortgage check and then reissued a check for the same amount to their noteholder, XXXX XXXX XXXX XXXX see the attached foreclosure notice. US Bank never communicated with me or allowed me to work out and pay off the debt- I am not on their note. 
The auction will take place on or around XX/XX/XXXX. 

XXXX XXXX, XXXX XXXX XXXX XXXX and attorney XXXX XXXX are colluding with the bank to seize the property. 

I appeared in the court of XXXX yesterday to discuss XXXXUS Bank 's auction of my home in XXXX and my case was again not heard. 
Attorney XXXX XXXX told XXXX XXXX that he " did not get the email about the court date '' and " could not find XXXX XXXX ''. 
XXXX XXXX XXXX was therefore unable to address this matter. 
Index XXXX. 

I never signed a mortgage with US Bank and there was no notary at the time of the closing of XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, according to attorney XXXX XXXX, other than attorney XXXX XXXX. Attorney XXXX XXXX sent me an email confirming that I should not be on the mortgage and indicated that there was a second mortgage on my property ( XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX ). I did not sign a document for a second mortgage and believe that XXXX XXXX XXXX and XXXX XXXX have forged my signature. 

I would like a full investigation of this matter. I have filed a fraud complaint in XXXX pertaining to this matter.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of XXXX I secured a {$12000.00} loan at % XXXX for a new HVAC system for my home from XXXX XXXX XXXX ( Truist ). Since XX/XX/XXXX I've maid 14 payments of {$140.00} a month for a total of {$1900.00}. Out of that amount only {$410.00} went to the principle. Each month the amount of interest gets higher. For example : XX/XX/XXXX the entire monthly payment went to interest nothing to principle, XX/XX/XXXX only {$17.00} went to the principle from the monthly payment, XX/XX/XXXX only {$28.00} went to the principle the rest went to interest. I could go on and on this evidence each month those number change with the bulk of my payments going to interest. Since XX/XX/XXXX I've filed at least 4 complaints with XXXX  concerning this issue and each time I have not received any feed back from the company all I get from them is a delay stating that XXXX XXXX will get back to me within 15 days. As of today XXXX XXXX has not made any attempt to explain the irregularities with my bill or explain why this is occurring. In closing I want to thank you advance for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing duplicate reports for the same account Alabama state XXXX is reporting twice on my credit report for the same account and both are reporting incorrect balances I have disputed these accounts several times and also sent proof that they are reporting incorrect and each time they still say they are verified
Product: Mortgage

I'm the current owner, and there is a lien on my property from two owners ago, on a now-defunct XXXX XXXX Bank and borrower XXXX XXXX XXXX XXXX Copy of title search showing there's still lien on property, was faxed to Real Estate Lien Release dept of XXXX, and Request No. XXXX, says 3-10 business days. Requesting for paid off, release of lien to the county, and they still haven't submitted the release with XXXX XXXX XXXX recorder 's office, Indiana. Please can you make sure this gets addressed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Please provide proof that you did not receive an advance for the application as a security. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. This asest will show with your SEC filings under unearned receivables. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be XXXX out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning Capital One and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
Product: Debt collection

I had a pre-approval for a home loan through the GA XXXX XXXX but my realtor refused to show me houses in certain neighborhoods and the loans office would not submit my application to the GA XXXX XXXX even though I completed everything asked of me to qualify. the loan officer told me by letter and email to complete actions that caused my credit score to drop below the guidelines. I sent him proof of me completing the requested actions and he then denied my loan and never submitted the application to the GAXXXX XXXX for down payment assistance for healthcare workers and low income families. He did not offer me all available options. And sold my information cause my social security number And credit report to be leaked on the dark web. 
XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX OF XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX Original creditor : XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX  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