23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Amazing how if I PAY experian {$19.00} a month, I can freeze my credit bureau with the click of a button but if I don't want to pay, now they suddently " can't verify me '' and I have to mail, yes MAIL, a letter ( those are still a thing? ) with my driver 's license, my birth certificate, a utility bill, AND a W2??? But if I pay {$19.00}, suddenly, they don't need those things anymore. Hmmm, seems a little corrupt, don't you think?
Product: Debt collection

I am being harassed by a company that refers to themselves as XXXX XXXX   XXXX. My family, friends, and I get phone calls frequently stating they have an open case against me that is being filed with the county or that I need an attorney because Im being sued. These calls phone calls are disruptive to my work life and could cost me my job. Ive blocked them numerous times but they continue to call with different numbers. They are relentless. They tell lies, use fear and coercion to make you pay. The most recent number they called with was XXXX at XXXX to myself and my XXXX XXXX XXXX father advising a case was filed against me with the district attorneys office and I am being served. Nearly gave my poor old father a XXXX XXXX.
Product: Mortgage

I recently received an alert about bad hit on my credit report/score. My entire life I never made any payment late whether it is Loan, credit card or Utilities bills. Rather I always make payments before time and little extra and keep reserve with my service provider or vendors. In my entire life I never have OD/NSF fees charged to my bank account.

Freedom Mortgage have reported false to all credit bureaus that I have made two months of payments late which damaged and killed my credit score and because of false reporting and fraud, my credit score dropped down rapidly and in consequences I have to pay higher rates on borrowing needs and insurance premium.

I received a phone call/voice mail on XXXX XX/XX/2018 from Mr. XXXX, Freedom Mortgage to call him back XXXX XXXX XXXX EXT XXXX to resolve the issue pending since XX/XX/2018 of misappropriation of my mortgage and extra principal payments and stealing of my money in the name of late payments/charges. When I called him back he introduced himself as Customer Ambassador and on investigation he found out misappropriation on their side and promised everything is resolved and money stolen from my account in the name of late payments fees are reversed. All of a sudden I received a severe hit to my credit score of false reporting of late payments towards my mortgage payments.

Freedom Mortgage management have damaged and killed my credit which I built in 16 years, working hard paying each and every payment on or before time. Freedom Mortgage Management is responsible for this crime, offence and liable to be prosecuted.

For Justice I demand Freedom Mortgage Management should pay damages {$100000.00} as well as criminal charges should be initiated and punished as per law to put behind the responsible management person behind bars at least for 10 years with rigorous imprisonment. These Lenders fraudsters/manipulators, blood like them should be stopped to kill/damage innocent borrowers credit score. 
I am ready to provide transactional details/statements/communications in case needed.
Product: Consumer Loan

I lost my job so I was unable to make payments on a Republic Finance loan. They obtained a judgment against me and cleared XXXX my bank accounts. They have sent me an offer letter and I have accepted, twice. The first acceptance letter I sent was by regular mail and the second was by certified mail. They have yet to respond to either ; however, they do continue to update my credit report negatively. I just want to settle this debt before damaging my credit further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the bureaus since XX/XX/2020 about three unverifiable bankruptcies reporting on my credit profile. Transunion advised I need to send them information from creditor/courthouse. XXXX  claims they received information from a third party and XXXX  claims the bankruptcy is verified. I have sent all 3 bureaus a letter advising that the courthouse advised they did not report the information. I have also contacted the third party company XXXX XXXX in which they were not able to verify the information and sent the letter to all three bureaus but yet the three bureaus are STILL showing the bankruptcies on my credit profile violating FCRA.
Product: Debt collection

I was a victim of identity theft and noticed a collection from SYNERPRISE CONSULTING SVS INC -XXXX, Get more information on collections acco I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Synerprise Consulting in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Mortgage

Mr Cooper is using a specific broker/dealer XXXX  for their 6 month XXXX index. XXXX consistently quotes the 6 month XXXX rate higher than most, if not all other broker/dealers by .25 % -.50 %. This causes consumers with variable rate loans to pay elevated rates compared to what they used to pay before the conversion from XXXX index to XXXX index. Further the company describes the XXXX rate as being available to the consumer via publishing by XXXX. However XXXX does not publish their rates easily for the consumer to see. XXXX provides rates for insiders through a pay for service model. Consumers are kept in the dark. The XXXX and the XXXX XXXX XXXX XXXX XXXX publish the 6 month XXXX from a survey of broker/dealers and creating an average. When consumer loans were based on the XXXX index, the index was easily available to the consumer via the XXXX or XXXX XXXX XXXX XXXX. Mr Cooper is exploiting the new XXXX index to the detriment of the consumer and outside the spirit of the previous XXXX index. This deception indicates a violation of RESPA reg X
Product: Money transfer, virtual currency, or money service

I deposited my stimulus payment and Soc.Sec. disability check along with some extra that I'd saved ( {$2200.00} in all ) to my Paypal, account and within 2 weeks it had all just disappeared from my account. No explanation as to where it went or why. After much time and freaking out, I looked like it had been sent to XXXX XXXX, and then XXXX XXXX, and then even XXXX ( with several other places in between ). I received 2 Visa cards which had no dollar amount of how much they were worth, and hints about activating them and using them on cash.app. I'm XXXX, and I barely know how to use my XXXX, and it's too old to even download a XXXX XXXX. I complained to XXXX XXXX XXXX and they made a claim to XXXX XXXX, which I'd never even heard of, but I think that Paypal is responsible for 'losing/stealing ' my money. I'd had my account there since XXXX, and this really shocked me, that they would do this. I really need that money back as it is all that I have. I had signed up to have my government check directly deposited, and the very first month, it was taken (  on XX/XX/XXXX - in 2 withdrawals, one for {$980.00} and one for  {$1200.00} ) I have gone round and round with Paypal, but for the most part they just play dumb- they even told me they didn't know where they sent it! Before I noticed that it was gone, I tried to buy a couple birthday presents for my grandaughter, and my card was turned down. Those and a couple more attempted purchases, and my credit is now plummeting. There's no way they can truly make this up to me, but they could at the very least GIVE ME MY MONEY BACK. And, by the way- because they accepted my SSDI check in a direct deposit and then stole it, it needs to be reported to Social Security- along with my stimulus check. I've also questioned XXXX XXXX, XXXX XXXX, and XXXX, and no one seems to know anything! I've never heard of anything so openly crooked in my life! The image I'm attaching says " instant transfer using card ''!! MY CARD?! What business did they have even being in my account?
Product: Checking or savings account

On XX/XX/2022, my chase account had been locked. I didn't know why but it asked me to call them so I call them assuming I was speaking to an advisor from Chase but she told me that they closed my account and couldn't tell me why. So I had to call Chase again from their primary customer service line but the second advisor XXXX told me my account got closed due to " me calling in a deposit that was missing '' but I didn't make a call. Why can't they look up the phone number that called in and look into that. I had attempted to go the branch but they told me there was nothing I could do and my account would be closed forever. I've never had this issue before and I have deposited checks before that have never bounced or were fraud. The fact chase will not be willing to help me even thou my account got comprised. I had lost my lost card a prior month and I don't know if that has to do with it. But they also refuse to do chargebacks on charges I didn't do. I would like my account reopen or for them to look further into it. Or remove it from my credit so I could open an account with another bank.
Product: Credit reporting or other personal consumer reports

Ive written letters to the three major credit bureaus and Lexisnexis asking for a bankruptcy be removed. I received documentation from the Bancruptcy Court explaining that they do not Share/verify any information between credit bureaus or any other companies which makes this information unverifiable. Neither company has given any answers as to how the investigation was performed. But still as of date this Bancruptcy hasnt been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts listed are the issue XXXX XXXX XXXX  # XXXX, XXXX # XXXXXXXX XXXX CREDIT # XXXX, XXXX  # XXXX, XXXX XXXX, XXXX XXXX. Pursuant to the XXXX Credit Billing Act, A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts listed have billing errors. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request these companies provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, these companies can not lawfully furnish this inaccurate negative information to the credit reporting agencies. The United States is bankrupt. If these alleged debts are valid, what authority do they have to collect this debt in the United States? If these alleged debts can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us VOID and UNENFORCEABLE. Do these accounts include a finance charge? If so, does the finance charge include a premium that protects the creditor in case of default? Has any insurance been filed on these accounts? If a 1099c or any insurance has been filed on this account, you have no right to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of these inaccurate information 's would constitute a breach of fiduciary duty. Since there is no law under the Fair Credit Reporting Act requiring these financial institutions and creditors to report negative information to a consumer reporting agency, these companies knowingly are reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate VIOLATES the FAIR CREDIT REPORTING ACT. These companies policy do not supersede Federal Law. I am demanding these charge offs be UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITY, STATE ZIP : XXXX XXXX XXXX Fl XXXX XXXX : ( XXXX ) XXXX email : XXXX Social Security Number:XXXX Date of Birth:XX/XX/XXXX Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors.

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

The following inquiry needs to be removed immediately : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

The following inquiry needs to be removed immediately : XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

The following inquiry needs to be removed immediately : XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

Creditor Name : XXXX XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

Creditor Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Date : XX/XX/XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.

Sincerely, Clients name : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$770.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} ; XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I transferred {$2000.00} in payment of professional service fees to someone in XXXX on XX/XX/XXXX, after multiple visits to his bank and as he could not receive the funds, the individual called me on Sunday XX/XX/XXXX to notify me of the issue. I then called Western Union on Tuesday and have been getting the run around, I was told that the money had been sent to a different bank, I truly dont understand how that could have happened when the receipt clearly states the name of the bank to which the funds were to have been sent. And to make matters worse, no one has asked me for a call back number, they keep telling me it takes a while to hear back from the bank. At this point I dont care about their internal processes, I just want the funds delivered to the beneficiary as soon as possible.
Product: Checking or savings account

On XX/XX/2023 at XXXX XXXX an external transfer withdrawal was made from my US Bank checking account for {$4900.00} which neither I nor my spouse authorized. I immediately contacted the bank that same morning and was put in touch with the Fraud Liaison Department. They locked the account and had me file a claim. It was denied and I was told to resubmit and it was denied again. I asked for documentation for the denial and was sent technical information with the pertinent IP addresses and all other data necessary to find out where the money was transferred blurred out. After several more phone conversations with the Fraud Department I was told that the denial was final and there was no one else I may speak with at a higher level. The US Bank local branch manager phoned me and we had several conversations where he asked me to email him the paperwork between me and the Fraud department. I have called him to follow up and have not received a response. I have also filed a Police Report in my home town.
Product: Student loan

On XX/XX/year>, I discovered through news reports that XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) disclosed student loan records, including mine, to an unauthorized third party without my consent. The disclosure involved personally identifiable information ( PII ), including loan balances, repayment status, and possibly my Social Security Number. 

I was never informed by XXXX about this breach. Instead, I learned about it from news articles reporting that unauthorized access to student loan data had occurred. Upon seeing these reports, I immediately contacted XXXX FERPA Compliance Office and Financial Aid Department to ask why my records were disclosed, who accessed my loan information, what corrective actions were being taken, and whether any of my past student loan records were also improperly shared. 

XXXX  response was vague and failed to provide clear accountability or explanation. They did not confirm who accessed my records or what steps were being taken to secure my information moving forward. 

This is a serious violation of the Family Educational Rights and Privacy Act ( FERPA ) and other privacy laws protecting student loan borrowers. Since XXXX failed to provide answers or take responsibility, I am requesting a formal investigation into this unauthorized disclosure.
Product: Credit reporting or other personal consumer reports

I am urgently notifying you that my credit report contains numerous fraudulent accounts that were added without my knowledge or consent due to identity theft. I request the immediate removal of these unauthorized accounts to correct this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an identity theft report with the Federal Trade Commission ( FTC ) and expect these fraudulent accounts to be promptly deleted to restore the accuracy of my credit report.
Product: Payday loan

XXXX very rude and harassing people at my work a guy named XXXX called random numbers got one of my co workers and asked for me. I agreed to pay XXXX a month and next thing you know they drafted XXXX from my account.
Product: Credit reporting or other personal consumer reports

TransUnion is not allowing for me to dispute and review my credit report. For the last 10 days I have been unable to access any credit report. Each time I try their website which is daily and I click on dispute my credit it will not work. The page does not load and says come back later. This has been on going since XX/XX/XXXX. My call to transunion also did not solve my issue. And today, I went back to the transunion website do dispute my credit report and still am unable to pull my credit report up and dispute my credit.
Product: Credit card

Made a purchase through a third party period, XXXX. Spoke to the company that they stated they were affiliated with ( XXXX XXXX XXXX XXXX and XXXX ), and they stated that XXXX XXXX XXXX is a scam. I immediately reached out to Capital One to have the charge disputed they asked for documentation, which was provided, -an email from XXXX stating that the company was a scam, -an email from XXXX XXXX XXXX XXXX XXXX XXXX a handwritten letter from me. -I also submitted the contract from XXXX XXXX XXXX XXXX I advised them that they stated that in the contract that if within a 180 days the services were not rendered they would refund the money which now they're/ XXXX XXXX XXXX ) is avoiding our calls and have been since I started the dispute process, in XXXX. I've reached out to Capital One multiple times, they allowed the time to expire to get a refund through the dispute. I callend multiple times to get another dispute started and was told that they are following XXXX policies, so they cant open another dispute case, and that this case is closed. I stated that the company sent them documentation state showing where they actually offered the service but how was that possible when both of the companies that they are saying they are affiliated with say are saying that they are scams and they have no business dealings with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am is a victim of fraud by the bank. and service provider.start with my problem 1. The bank issued me tw different atm card account with same one password to use for both account. Second, the phone service provider gain an access to my checking account and get his payment, without my knowledge and authority the payment