23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Equifax is violating my rights by still continuing to report unauthorized fraudulent inquiries.once again i never applied for credit with these financial places.please help me with this matter.enclosed is id theft affadavit license and ssa card.once agian the fraudulent inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$48000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$57000.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}
Product: Mortgage

Starting in XXXX FlagStar Mortgage added a {$30.00} Fax/Email fee to my mortgage with no explanation. They should not be able to add fees for no reason as I have always paid my mortgage in full on time and provided no explanation for the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the inquiries that are erroneous in my file and need investigation : 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 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been struggling with my mortgage company in reporting my correct information. I have an account with XXXX XXXX and one bureau is reporting it as negative and being included in a bankruptcy, however Ocwen did a loan modification and the payment history should be reporting perfectly on all three bureaus for some time. It's not a charge off loan. I really need your company 's help in getting this resolved. I have requested information from Ocwen and from XXXX to report the information correctly and I can't seem to get anything resolved. I really need your intervention.
Product: Consumer Loan

I filed a complaint on XXXX/XXXX/14 with the Florida State Attorney General 's Office about Hyundai Motor Finance calling me repeatedly at work, even though I had asked them not to in writing, because I am not allowed to get personal calls at work. They said they would stop doing so, so I let it go. Today, they called me at work again. They know they are not to call me at work.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXXXXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Strung along for over 2 months in a conventional refinance transaction. Received an approval and 5 estimated closing statements, and provided 68 deliverables only to be told right before closing that we needed 2 years of tax returns even though we were told at the beginning of the transaction that we could proceed as long as an extension was filed. The underwriter was discriminatory in my opinion as there is no valid reason for denial. The ultimate denial reason was around making an estimated tax payment for 2020, which we showed proof of. Then it was decided, after we provided this proof, that an additional deliverable was needed, which we provided, and then it was decided that 2 years of tax returns were required ... contrary to what was originally advised. The broker, Credible, had different information in their system than XXXX XXXX and was complicit in the discrimination and faulty transaction. I jumped through hoops only to be met with a second level underwriter who didn't understand self-employed and asked us for property tax verification to verify we paid our income taxes??? The underwriter also asked me to provide explanation as to why we estimated an estimated tax payment? We provided a letter of explanation and everything else under the sun and are not satisfied with the brokers handling of the transaction, the discriminatory conduct of the underwriter, nor the misinformation contained in the several teaser closing statements. The brokers system also reflected a different term than the lenders.
Product: Debt collection

I have been harassed for multiple years by different companies claiming to have a debt originating from my XXXX XXXX contract that was finished and paid in full. I do not owe anything to XXXX XXXX. They overcharged me and added items to my bill without my consent to have these channels added. Upon the finality of my contract of 2 years with them I requested in writing, email, and verbally that they terminate my services. They tried to continue charging me despite my extreme attempts to terminate their services upon completion of my contract with them. They have tried to sell " debt '' to several companies since 2017. I have successfully disputed these companies at the basic level by completing disputed with the bureau they were reported to. This current company " credence resource management '' has claimed that they verified the debt with the originator. Since the originator illegally created the charges they are not valid and were never owed. I do not owe anything to XXXX XXXX and quite frankly I am fed up with being harassed by companies for petty amounts of fake debt that ends up creating a negative impact on my credit. I am considering legal action if this harassment does not stop. I have verified that these debts are illegal charges and I should not have to waste my time and energy everytime they sell it to some company hoping to profit off of illegal/fraudulent debt collection processes.
Product: Credit reporting or other personal consumer reports

Someone used my information to open accounts that I had no idea about and some inquiries as well XXXX opened XX/XX/year> {$29000.00} XXXX XXXX opened XX/XX/year> {$2100.00} XXXX opened XX/XX/year> {$880.00} XXXX  opened XXXX XXXX {$410.00} XXXX XXXX  opened XX/XX/year> {$270.00} XXXX XXXX opened XXXX XXXX {$74.00} XXXX opened XXXX XXXX {$48.00} XXXX opened XXXX XXXX {$20.00} XXXX XXXX  opened XX/XX/year> {$12.00} XXXX opened XXXX XXXX XXXX XXXX  opened XX/XX/year> {$260.00} XXXXXXXX XXXX XXXXXX/XX/year> balance XXXX XXXX limit {$500.00} XXXX {$43000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an alert that an inquiry from TD Bank USA / TARGET XXXX was made XX/XX/23. I did not give permission for inquiry for this company.
Product: Credit reporting or other personal consumer reports

This morning, while checking my credit report, I noticed some unauthorized inquiries that Ive never seen before. Even after refreshing the browser, these inquiries remained unresolved. I ask that you urgently review the documents Ive sent to fix this issue and restore my confidence in my credit report.
Product: Mortgage

I have a XXXX mortgage with Wells Fargo. I have been requestinginformation from them. They keep saying they need 16 days. They have been trytrying to foreclose on my mortgage from day one. They destroyed thePromissory note and sold my mortgage as a mortgage back security. 
I asked for the original contract with my signature and payment historythey sent me a bogus paper that was not the contract I signed. I asked forsomething showing the recording of the sale or transfer of my mortgage to themthey stated that they do n't own it. THIS IS FRAUD. TODAY THEY CALLEDAND STATED THAT THEY ARE FORECLOSING ON MY HOME
Product: Debt collection

XXXX XXXX XXXX ( MCM ) purchased a charged-off account of mine from Synchrony Financial. The account was opened in XXXX in XXXX, NM. I never received a letter regarding the debt or collections actions, and never had an opportunity to dispute the debt. 

In XXXX, XXXX assigned my case to a law firm who filed suit against me in XXXX XXXX, Missouri where I do not reside. In attempting to serve me with paperwork ( on XXXX XXXX, XXXX ), regarding the lawsuit, the service was returned with the message that I did not reside in the county. So far, I have not received any information about this suit, and the only way I know about is by searching my name ( after being denied an apartment rental partially because of this case ) in Missouri 's court records website. 

No action was taken after XXXX XXXX, XXXX to locate or contact me. In XXXX XXXX a notice was given ( supposedly to both parties, though I did not receive it ) that the case was scheduled to be dismissed because no action had been taken for three months. In response, the law firm suing me filed a change of venue request as a stalling tactic. To date I still have not received any mail or service regarding this collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notice of 'hard inquiry ' which was not made by me. Have not applied for any loan product or credit card.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

We terminated our Rental agreement with XXXX since the Apartment complex did not providet us with safety and security. We have complained several times that the Gates could entered by any car even without barcode sticker, only by folowing the front car, since it took a long time to close after a automobile entered, some times the gate was defect and did not closed at all. After we were robbed our Sportbikes, chained on iron bars inside the hallway and strange people they did not live in the apartments, we took action and cancelled our Rental contract. The charged us with a penalty of two month Rent for early termination. 
Our complaint and witness from a Police Report XXXX, was totaly ignored by the Management from XXXX. 
A involvement from our Lawyer was never answered. 
To have our peace we paid one month aditional rent and afterwards received notice from a collection company to pay {$1900.00}. 
After we moved out in XX/XX/2013 I hat to pick up some stuff left on the patio we noticed that the Apartment was already rented to an client. Also we found out that the gate system was not changed and many car drove to the gate without barcode sticker. 
From other government offices we were informed that it was correct to terminate the Rental agreement. 
The Police Report is still available.
Product: Debt collection

I requested verification of debt documents specifically the signed contract agreement from Discover but I have not received any documents about this matter.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, XXXXXXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies XXXX  that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have received notification back from the Bankruptcy Court. They informed me that they do not provide Information to third parties, and that Under the Privacy Law of 1974 and the opt out Law states that any authorization that they believe that there is no longer and it needs to be removed Immediately. I did not consent nor give permission. If they said i did i do opt out. This was discharged on XXXX XXXX.
Product: Credit card or prepaid card

I had purchased an item from XXXX XXXX XXXX XXXX Through their on-line store using my American Express card and never received my merchandise.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block , Inc. ) for failing to provide adequate customer service and engaging in unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App neglected to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Additionally, their dispute resolution process was unfair and deceptive, as they disregarded error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused substantial inconvenience and financial losses, and I demand appropriate redress for these violations.
Product: Debt collection

THE DEBT COLLECT CONSTANT CALL EARLY MORNING THROUGHOUT THE DAY NON STOP
Product: Checking or savings account

I don't entirely know if this complaint is going to the right place but here goes. 

I got a text message at roughly XXXX XXXX  on Friday, XX/XX/XXXX stating the following : USBANK : Your bank account is temporarily limited due to suspicious activities, visit XXXX XXXX XXXXXXXX for account verification. 

I did not open the link. This came off as immediately suspicious because I don't bank with US Bank. This is clearly a scam/phishing scheme and I just wanted to report it. Thank you for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I tried to get preapproved for a mortgage loan, but were denied because of information on our XXXX credit reports. We requested our XXXX  reports. When I got mine, I noticed a lot of errors. 53 hard inquiries that I did not authorize. I also noticed some accounts that were not mine that I had not authorized. I have been the victim of identity theft several times, due to my personal information being compromised in 16 data breaches, in the past. So, I suspect that the same thing is happening, again. 
On XX/XX/2019, I tried to dispute the errors and hard inquiries that I did not authorize online on the XXXX  web site. The web site would not allow me to dispute anything and instead listed a number for me to call. I called the XXXX   phone number provided and explained to the customer service rep that I am the victim of identity theft and that I needed to dispute the hard inquiries and accounts that I did not authorize. The rep refused to help me saying I had to contact the companies directly. I already have. The companies told me to call XXXX and dispute with them. I tried again to dispute the inquiries with XXXX on XX/XX/2019 and, again, the XXXX rep would not allow me to dispute them.
Product: Credit reporting or other personal consumer reports

My account with AVA FINANCE was never late! I have had exceptional payment history with AVA FINANCE and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

To whom it my concern, On XXXX XX/XX/XXXX, between XXXX - XXXX XXXX, I received a call from USAA number ( XXXX ), it was a fraudulent phone call where the caller posed to be a USAA employee who worked in the USAA fraud department.

The ( USAA imposter ) had me to believe she was a member of the USAA fraud department. 

The caller sent me text messages and info as if she was a representative of USAA. The information she provided totally threw me off guard. The USAA imposter provided me personal information about my credit card and banking info, 3-digit code, home address, and were sending text messages that were coming from USAA. 

I have attached copies of the fraudster inbound calls and texts messages that shows timestamp of events. 

I have also sent USAA copies of text messages to conduct their fraud research. 

The USAA imposter stated that someone made several attempts using my debit card to make a purchase transaction and failed, so the USAA fraud team placed a block on my card. 

Then the USAA fraudster stated that a XXXX transaction of a XXXX dollars was being processed from my account, and she would help me reverse the funds back into the account. 

The USAA fraudster instructed me to reverse funds back into my XXXX account by adding my name as the receiver and a code to be the recipient of the reverse funds back into my account. 

The XXXX payment was not authorize, it is a fraudulent payment that was manipulated by an USAA imposter pretending to be a representative of USAA fraud team. 

I do not know the fraudster recipient who received these funds. 

This fraudulent incident happened on XXXX XX/XX/XXXX, between XXXX - XXXX XXXX When the XXXX dollars disappeared from my account. I became suspicion and immediately called USAA about XXXX XXXXXXXX XXXX  on the XXXX XX/XX/XXXX, informing USAA that a XXXX XXXX  was taken from my account. 

According to my XXXX account, funds wasnt taken and posted to my account until XXXX on XX/XX/year>. 

The USAA fraud team contacted me on XXXX XX/XX/XXXX, on or about XXXX stating that outgoing transaction have been restricted due to recent suspicious activities and that an investigation will take place. 

USAA have stated that they were able to identify the bank that received funds and requested the funds back, but the bank would not return the funds. 

The USAA Bank have the information as to what bank received the funds and should be able to identify the individual who committed the fraudulently act. 

I have been a customer and user with USAA for over 32 years, I never had a problem using USAA products and services. 

Recipient Token : XXXX USAA confirmation ID XXXX XXXX Confirmation XXXX Dispute Date : XX/XX/year> Disputed Amount : {$1000.00} Account Number ending : XXXX Recipient 's Name : XXXX XXXX .... ( Which my is name reverse engineering ) Transaction date : XX/XX/scrub> XXXX XXXX