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

XXXX has been intentionally altering my credit report to reflex negatively when I dispute an account. I have sent an identity theft report, a police report and several disputes. XXXX has violated my FCRA rights as a consumer several times. I have sent several demand letter and they have refused to correct my credit report. A fraudulent credit card by XXXX XXXX XXXX XXXX was placed on my credit after gaining access to my file after XXXX and mixed my credit file with someones elses. I called the creditor to explain the situation and close the account. After the account closure I began seeing several late payments pop up and the reporting data is inaccurate and suspicious because that information isnt being reported on other credit reports. These are malicious acts from XXXX. I started to notice I would get emails from XXXX stating I needed to send more documentation but I had already sent those forms or if sent a police report the email would state they need the full report which it was. The last time I contacted XXXX I asked when will my dispute be completed they informed that day was day 1. Then I asked about why do I keep getting emails about uploading documents I already sent to the customer service person informed that every time I upload documentation my dispute starts over. So I realize it was a tactic XXXX is using. XXXX has refused to remove the inaccuracies, I requested proof of debt which they cant provide, there actions are malicious and intentionally. They just reported the account as 90 days late but it they also reported the account 30 days late 3 times, then 60 days then 90 days. It changed from 30 day, 60 days to what being reported now. I have informed XXXX that if they continued these tactics I would seek monetary damages in XXXX court. I included my XXXX report to show that it was reported by XXXX XXXX that my financial responsibility has been terminated and there is no longer a balance. I also forwarded that information to XXXX and they still continue to report inaccuracies on my credit report. 

Im addition Transunion has failed to even dispute my claims. They were sent certified dispute at the same time as XXXX. Transunion doesnt allow me access to my credit report directly through there site. I also attached proof of certified mail regarding my dispute which included a detailed dispute a copy of my Drivers License, SS card and police report.
Product: Credit reporting or other personal consumer reports

I am requesting that the account listed XXXX XXXX XXXX  Account # XXXX be DELETED immediately not updated the Experian has had more than their fair time to rectify this matter properly failing to do so. 

According to the Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, they are required to : - " conduct a reasonable reinvestigation '' of disputed information ( 15 U.S.C. 1681i ( a ) ) - " delete '' inaccurate or incomplete information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) - " correct '' inaccurate information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Included is a copy of Experians reports dated XX/XX/XXXX before my Bankruptcy & after in XX/XX/XXXX. I was never informed of a collection agency until after my bankruptcy was discharged which unlawful nor did Experian list a collection agency until after the account was discharged which is a violation of my rights. I have provided one image showing the charge off, one showing the Bankruptcy petition & one showing the Debt discharged in my Bankruptcy. It is unlawful for Experian to ignore my valid dispute & refuse to delete this account which is suppose to be done after failing to investigate this matter time & time again This matter has been disputed on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX now XX/XX/XXXX and my rights have been violated & ignored the issues still have not been resolved. I will not allow dishonest practices of the the Credit Bureau nor the Deceptive practices of the Collection Agency to continue to cause emotional distress, higher interest rates imposed & being declined for credit. I have also contacted the Attorney General as my rights under the FCRA are being Violated
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following creditors are falsely reporting accounts to my credit report that were opened without my knowledge or consent. I have already filed an Identity theft report and a XXXX XXXX XXXX report. I demand these be removed immediately from my credit or I will pursue legal action since I am protected under the fair credit act section 609. The following accounts must be removed immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. 
XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax and XXXX credit report shows a late payment on my XXXX XXXX credit card for XXXX, XXXX. It should not show a late payment. It shows that it was updated XX/XX/2022, but the late payment is still showing.
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. 

XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX ( Account # XXXX ) and XXXX 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 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.
Product: Checking or savings account

USAA Bank linked my checking, savings and VISA card accounts with another person I do not know and definitely did not authorize to have access to my accounts. I was also given access to the other person 's accounts. 
I called USAA Bank on XX/XX/2022 and notified them about the issue ( over 2 weeks ago ). They told me that the other person had wanted to link their accounts up with someone else, but they provided an incorrect number so *my* whole banking profile got linked to theirs instead of who they intended to be linked. Obviously USAA Bank didn't bother to review/verify if the name was correct before doing the linkage as the other person certainly would not have known my name, nor was I contacted at any point to advise that someone was trying to link their accounts with mine. 
USAA Bank then blocked me from making online bill payments from my account but did not remove the other person from being linked to my accounts. When I tried to follow up with USAA Bank on XX/XX/XXXX seeing that no correction had been made, the hold time was XXXX minutes for a representative, so I tried to send an email, but the website told me that I was not allowed to send an email about my issue. I therefore mailed a letter to them on XX/XX/XXXX describing the issue and still have had no response whatsoever to my initial call on XX/XX/XXXX nor the letter mailed XX/XX/XXXX, and as of today XX/XX/XXXX my account is still linked up with the other person who is a complete stranger and who can presumably view my account activity seeing as their checking account, banking activity and debit card are completely visible to me. 
This is an egregious breach of security and confidentiality, and USAA Bank has shown no response over XXXX weeks after I reported it. I removed almost all of my funds from my checking and savings accounts and blocked my credit card to protect myself, but this situation is completely unacceptable and non-compliant with banking regulations as far as I understand. 
I plan to close my accounts altogether as soon as I can get new accounts opened and active/usable at another bank. Obviously I do not trust USAA Bank 's processes and security any more, and their complete lack of response to this serious issue is frightening and disturbing. I believe they should be subject to regulatory discipline as their activity certainly does not demonstrate adequate security measures or reasonable concern about the safety of customers ' bank accounts and access by others thereto.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX  Balance Owed : {$XXXX} XXXX XXXXXXXX Balance Owed : {$XXXX} XXXX XXXXXXXX Balance Owed : {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX Balance : {$XXXX} XXXX XXXX Balance : {$XXXX} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

On XX/XX/XXXX, I took out a loan for {$35.00}. XXXX said it was due in XXXX. They charged my XXXX yesterday. I never received any record of this due date. My SSDI payday is clearly the XXXX of every month, as their AI should have identified. They charged me early and are trying to overdraw my account. Their business must be closed at once.
Product: Payday loan, title loan, personal loan, or advance loan

A company by the name of XXXX XXXX XXXX posed as tax attorney 's stating they could and would XXXX  the back taxes I own to the IRS. This company has been identified as a tax relief scam. XXXX XXXX XXXX gave a contract I signed to pay them XXXX to a company called Monterey Financial Services LLC. I then realized that this was a tax relief scam. I called the IRS and they said no one has contacted them to help XXXX  my tax. I still owe the IRS money and now this company want 's me to pay them XXXX for services not given. I understand I can't submit a complaint for XXXX XXXX XXXX but I am submitting this for the company Monterey Financial Services LLC. The credit bureau 's require me to submit this in order to submit a dispute with them. 
Here is the contact information for both companies : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Monterey Financial Services, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I noticed a negative reporting accounts on my credit reports. XX/XX/2024, 30 days ago I sent a certified mail disputing the accounts. I have no heard back from any of the parties mentioned. 

I am writing to get compensation for breaking the law and getting me denied when applying for credit due to their false reporting information. 

FDCPA 809. Validation of debts & FCRA Under 15 U.S. Code 1692k - Civil liability, FCRA 15 USC 1692g : Validation of debts 15 U.S. Code 1692e - False or misleading representations also XXXX, XXXX and TRANSUNION for not responding to my disputes in 30 days. According to the FCRA they have 30 days to verify and provide accurate information on my report. Also to provide whom they spoke to and " verified '' this false collection / charge off on my credit reports also want to sue for damages caused when applying for credit during the last 30 days. 
Under 15 U.S.C. 1681 also have not validated 15 USC 1692g : Validation of debts I am owed in damages and need to have the negative items removed asap. 

Also XXXX XXXX and transunion failed to mark as disputed. 

15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.
Product: Credit card or prepaid card

Received mail-in credit card offer for 0 % APR on balance transfers. Applied via phone. After completing application process, agent informed me I was approved at a rate of 17.99 %. No way to cancel or close the account until I receive the card in the mail. Very frustrated I had to waste time on phone, and took points against my credit rating for applying for another account. Will obviously be closing this account as soon as card arrives in the mail.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, XXXX, XXXX, XXXX, Certegy, XXXX XXXX, and others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Product: Credit card

On or about XX/XX/year>, I made a {$220.00} payment to my credit card issued by Aspire. Payments were made via debit card and were processed within 24 hours, therefore, my available credit limit typically reflected any payments made within the same time period. By XX/XX/year>, I noticed that my payment had been posted to my account, however, my available credit showed as {$0.00}. I called Aspire support to figure out why my available credit showed as such, despite my balance being well under my credit limit. I was told that my account was under review by their fraud department. I requested to be transferred to the fraud department to obtain more information and was not only given attitude by the representative but was also scolded on the use of my card; according to the representative, I paid my credit card too frequently. This explanation struck me as odd and I went to review my monthly statements ; upon review, I noticed that due to me diligently paying my account, I had not been charged any interest. When I confronted the rep about this he essentially said that the frequent payments caused me to spend more than my credit limit. This makes absolutely no sense, because no single transaction ever amounted to more than my credit limit. My suspicion is that Aspire closed my account due to their inability to charge me interest, in addition to their annual fee. Lastly, any cash back that I earned by paying my account diligently is being held. I consider this to be malicious, fraudulent and discriminatory conduct. Any help regarding this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was alarmed to find an unauthorized inquiry from a company I have never engaged with. I have not applied for any new credit, nor have I given consent for this inquiry to be made. This unexpected activity is deeply concerning and raises serious questions about the security of my personal information. As someone who takes financial privacy seriously, I find it unacceptable that this inquiry was conducted without my permission.
Product: Debt collection

Charged fees in excess of allowable XXXX non-judicial foreclosure fees of {$1500.00}. Did not repsond to mediation request or verify with lender that information was correct. Wrote wrong borrowers names on Notice of Default and failed to respond when notified.
Product: Debt collection

I noticed this collection on my credit report recently. This is not my account. I was not sent any information on this debt, it simply appeared on my credit report. I suspect incorrect information or identity theft.
Product: Mortgage

I have filed several complaints against this company. They have lied to you and you have closed the complaint instead of addressing the issue. Consumers are depending on government agencies to look out for their best interest. The information provided is inaccurate, but your records on your website is incorrect. The Prepaid principal should be {$170000.00}, however, your website shows something different. This was copied from your website : Your Loan Started : XX/XX/XXXX ; Your Loan Ends : XX/XX/XXXX ; Prepaid Principal : {$150000.00} ( a difference of {$24000.00}, Where is this money? What did you do to this money ) ; Prior Year ( XXXX ) Principal Paid : {$8200.00} ; Prior Year Interest Paid ( XXXX ) {$2100.00}, This is the discrepancy and the overcharge resulting in a negative amortization. 
The balance transferred from XXXX XXXX XXXX and not XXXX as in your paperwork to XXXX XXXX XXXX as you claimed was {$240000.00}. Note : I have a HAMP from XXXX XXXX XXXX then 2 years later another from XXXX XXXX XXXX XXXX which is missing from the documentation provided resulting in Improper Record Keeping. XXXX XXXX XXXX misapplied my payments. As a result, in XXXX and XXXX Deferred Principal Bal ( non-interest-bearing forbearance was bearing interest ). The account was not in default. An error on XXXX XXXX part put my account into default because of failure to maintain proper records. The New principal balance after the last ( third ) anniversary the balance should be {$66000.00}. All my payments have been up to date since XXXX, Are you saying that all my payments including the additional principals since XXXX ( XXXX  years ) is only {>= $1,000,000}. In XXXX, my principal was {$820000.00}. That's where the discrepancy is? Thus the negative amortization which Newrez/C/o PPH Mortgage Services refuses to fix and correct their records and keep providing false information to your office.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft CXXXX Date of inquiry : XX/XX/2020 This is not mine. 
XXXX. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

My Marcus by Goldman Sachs savings account locked me out while performing a normal password change request. It made me generate a pin 6 times and locked me out by the 3rd pin request. When I called XXXX to have my account unlocked they lied to me and told me the website is not working properly. However my coworkers all logged in without any issues whatsoever. Attached is what they showed me upon requesting a pin for login. The XXXX and XXXX employees working in the NY call center are stealing government funds from XXXX  XXXX  and did not want to be caught. They stole one of my deposits as I have in an email that I received 2.
Product: Mortgage

in XX/XX/XXXX we refinanced our morgage from the 22years we would have had left of a 30 year morgage to a 15 year morgage and we went from 8.5 % interest to 5.5 % interest. the payoff or maturity date was XX/XX/XXXX to be paid off. this morgage is through state farm bank. XXXX XXXX  XXXX XXXX   , nj,XXXX  there phone number isXXXX XXXX XXXX XXXX. In XX/XX/XXXX we filled out an application for a loan modification but when we got the papers we decided we didnt want to mess with our morgage so we never sign them or had them notorized. I still have all the paper work they sent us not signed. but state farm went ahead and did something that added 2 years to the end of our loan. now there saying the maturity date is XX/XX/XXXX, so the added 2 years to the turm of my loan which is going to cost us almost {$30000.00} dollars. we never got any money from them for nothing. in XX/XX/XXXX we got a 2nd morgage through XXXX XXXX for XXXX to do stuff to house. i keep writing and calling and faxing with state farm and they never give me what im asking for. like i wanted our payment history going back too XX/XX/XXXX and they send me it from XX/XX/XXXX. XX/XX/XXXX they sent me a letter saying there not fixing it. a statefarm bank lady told me to go to my county taxes and get a copy of deed and if its not on there it didnt happen.well i have the deed paperwork and theres no loan mod in XX/XX/XXXX on it anywhere. please help me with this or guide me to someone that can help us.
Product: Mortgage

About 14 months ago, I had unexpected injuries that put me in the hospital and unable to continue working. I reached out to Citi Mortgage to explain my situation and submitted documents/financial information in hopes they could help me get back on track. I did send in documents but the lender kept asking for more and more information and it felt I was continuously sending in document after document, although I had already sent them in. At no point during the review was I provided a designated point of contact and eventually the review was closed because they stated I did not send in all the documents when I in fact did. I reached out to Citi again recently and they advised I had one day to send in all the information again or the foreclosure would proceed. That put a lot of pressure on me and there was no way I was going to be able to send in everything that day. I am now facing a foreclosure sale date in 4 days and out of options..
Product: Debt collection

I do n't know anything about this debt. I have never been without insurance in my life! I have never received anything from them in the mail.
Product: Money transfer, virtual currency, or money service

I all fillings complaint against cash app ( Block , Inc. ) due to inadequate container 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: Credit reporting, credit repair services, or other personal consumer reports

who is XXXX  who put them on my account and why not to the person, company intended did you send them payment how many i need to know the name of the person the date this action occured need the fax number my scanner is broken