23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Back some time ago XX/XX/XXXX or XX/XX/XXXX I went passed a car dealership called XXXX XXXX with my at the time boyfriend who was trying to purchase a car. I was going to help him out with getting the vehicle but was unable to due to my credit not being the greatest. They gave another alternative of putting a big lump sum of money down and to my knowledge he nor I had all the funds to even meet their requirements for the down payment or loan. I never recall setting up an account and if an account was set up it was definitely had to be his responsibility because I was told I did not qualify. For some years now this company has been harassing me with phone calls threatening to come to my home and job for payments. I even on several occasions have told them do not call my phone anymore because not only will they call and hang up continuously without even saying anything. Their tactics are way too aggressive and have also called my family ... my older brother who I have NEVER lived with or used as a reference, they have called his wife 's place of employment and left messages for me on her phone, they have contacted my step dad who lives in XXXX and I reside in XXXX, they have called my mother, and at times that they have done so I would n't even hear from them. They have left messages that if I do not call them immediately they will issue a summons for arrest following a court proceeding. I disputed this company with all XXXX credit agencies a couple years ago and they were removed off of all my reports except for XXXX, they are continuing to report.
Product: Debt collection

I'm submitting this complaint in reference to MIDLAND CREDIT MANAGEMENT INC knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand roof " TO SEE '' Valid Authorization/ proof of alleged debt. Report without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulation by the FTC U.S C41, et esq.
Product: Debt collection

Thank you for your ear, In XX/XX/XXXX My family and I relocated from XXXX to XXXX, I contacted my cable provider and requested a final bill which was provided, I paid the bill immediately, ( copy attached ) A couple of months later a bill came for equipment XXXX XXXX claimed I had. I never received any equipment from XXXX as all I had provided to me was basic cable, I never accept leased equipment, and immediately after receiving the bill I sent a letter registered letting them know this was not a valid bill, in addition I requested proof I took possession of any equipment, ( copies attached ) This was XX/XX/XXXX. Not until yesterday XX/XX/XXXX did I hear back from them claiming I owe them for equipment, almost two years from my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

the information from XXXX XXXX XXXX XXXX  XXXX  does not belong to me someone used my social security number and photo id to open this fraudulent lease in my name i am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : Name : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX  Employers : XXXX XXXX XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 
As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Checking or savings account

On XXXX22 I opened a 2.50 % XXXX term apy " BUMP UP '' CD with Marcus.com. Marcus of Goldman Sachs opened this account ending in XXXX. 

Marcus failed in their online marketing promotion to explain that only MARCUS could decide when a rate bump could be initiated even though they introduced a 3.00 % 12 month CD and longer term 3.5 % CDs. 

Marcus online supervisor XXXX which I contacted XXXX22 apologized for this omission but said their was nothing she could do to remedy this unfair circumstance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

I 've been receiving calls from an Illinois # for the past few days. Today, I decide to call back before I blocker it. I found it is a collection agency by he name of ARA. They said they were calling about a credit card I opened in XX/XX/XXXX and last appeared on my credit in XX/XX/XXXX. I asked about the time ( it 's been 16 years ) and was told it did n't matter. Then I was threatened by saying they could or would sue me. Then the guy I talked to said they saw I was connected to another credit account that was in good standing and they would collect from that. I called back to tell them not to call me anymore. Each person I talked to ( when I called back was rude, unprofessional and still threatening. I arguedo n't that I did not have a contract with them and this debt is over 16 years old and should have been cleared. I was told hat they purchased the account and I owe them. While I was talking to the first condescending representative, he just forwarded me to the office manager WHILE I was talking. The office manager was nothe any less condescending. As im reporting to the supposed office manager, I 'm told, completely nonchalantly, that he would have to review the tape to corrobviate my story. I ask, how long it would take and he, again condescendingly replies : I do n't know. Should I continue to be harassed, I will pursue the legal route ... ..but not before I report them to the FEDERAL TRADE COMMISSION, ATTORNEY GENERAL AND THE BBB!!!!!!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protective consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # No number 15 U.S.C 1681 section 602 a. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it states, a consumer reporting agency, can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( 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 the records of convictions of crimes, which antidote the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable caused believe that the information is an accurate.
Product: Debt collection

about 7 years ago i started a cellular service with XXXX the plan i choose was a XXXX minutes for XXXX phones with an automatic cut off when the minutes run out. the store did not give me the plan requested and i end up paying XXXX overtime the XXXX month and when i call customer service they told me that i where going to correct the mistake and change the plan, but that never happened and again the the following month i got another bill for XXXX for overtime, so i pay only the regular plan and cancel the service, then they send me a bill for XXXX early cancellation plus the overtime. 
# 1 the store mistake cost me XXXX five hundred dollars # 2 customer service did not change the plan as i was told # 3 customer service was a bully when i ask for an adjustment # 4 XXXX breached our original agreement # 5 arbitrary they report me to the credit bureaus and my credit is damage.
Product: Money transfer, virtual currency, or money service

( Cashapp ) I by mistake sent a {$1000.00} to XXXX XXXX the Wrong person who has the same name as who I would have sent money to. I tried to request money back from this person they said no. I then requested that cashapp cancel the payment I was told they can not do so. I need my money can someone help me my number id XXXX
Product: Debt collection

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint was filed to request pursuant to FCRA subsection 605B ( 15 U.S.C subsection 1681c-2 ) that you the Experian credit reporting agency block information appearing on my consumer credit report which is a result of identity theft and or fraud within 4 business days of receiving this complaint. This fraud, inaccurate, and false information consist of, XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) opened XXXX XXXX acct # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX acct # XXXX, hard inquires include XXXX XXXX XXXXXXXX inquired XXXX XXXX, XXXX inquired XXXX XXXX, XXXX inquired on XX/XX/XXXXXXXX XXXX inquired on XXXX XXXX I did not authorize nor inquire about any of these fraudulent inquires. These accounts have resulted in several fraud inquired and fraud collections appearing on my consumer FICO credit report. Ive attached a list of the fraudulent hard inquires and a copy of my consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize said aforementioned fraudulent items reported, these accounts were not made, opened or initiated by me. All of these aforementioned hard inquires and collections are results of identity theft and or fraud. I have also attached a copy of FTC identity theft complaint # XXXX as proof from the US Federal trade commission that all of the aforementioned consumer credit accounts, collections and hard inquires are result of identity theft and or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Date of Birth:XXXXXXXX  XXXX XXXX XXXX XXXX XXXX, fl XXXX Dear [ XXXX / Experian XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information on my [ XXXX / Experian XXXX XXXX XXXX credit report : Dispute XXXX : The alleged charge-off of an obligation with [ XXXX XXXX XXXX  ( original alleged creditor : XXXX XXXX ) ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXXXXXX  ] [ XX/XX/XXXXXXXX  ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] To further support my claim, I have attached documentation including : A copy of my credit report identity theft complaint Drivers License SSN card Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I had a CD in the amount of {$6200.00} that matured on XX/XX/2007. My family misplaced the paperwork and recently found it again. It did not roll over as anticipated. HSBC says that they sent it to New York State 's unclaimed funds, but our searches on the unclaimed funds database do not show it there. 

I would like to claim these funds and have HSBC identify their location. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for to properly investigate my disputes regarding inaccuracies in my credit report Despite my submission, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which mandates a responsible investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

Dates XX/XX/year>
Product: Credit reporting or other personal consumer reports

i recived a copy of credit report and i noticed one account on my credit file that not mine i never applied for and needs removed from my account listed the accounXXXX XXXX XXXXXXXX, XX/XX/2023 {$430.00} ( XXXX ) XXXX can you please remove all the enquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN XXXX AND XXXX FAILED TO CORRECT THE ADDRESSES ASSCIATED WITH FRAUD AND I.D . THEFT SINCE XXXX. 

I HAVE ADVISED THEM SEVERAL TIMES THE RULE ON NOTICES OF ADDRESS DISCREPANCY, FACT ACT 315, FCRA SECTION 605H and 12CFR 41.82. ALSO, FAILED ALTERNATIVE TIMING OF ADDRESS VALIDATION.. SOMEONE USED MY I.D . TO BUY A HOUSE IN TEXAS, AND XXXX ADDRESS IN XXXX, IL. 

I AM DEMANDING XXXX AND XXXX REMOVE OR PURGE THIS FRAUDULENT INFO FROM THEIR DATA BASES.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been unauthorized disclosures of my personal identifying information. XXXX, XXXX and Experian are fraudulently furnishing the information listed below. 

The information which appears on my credit report does not relate to any transaction ( s ) that I have made. 

This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act.

I did not authorize, or consent to this information.

This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for.

This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website. If the attached opt-out notices provided by the CFPB is not sufficient, please provide me with a reasonable way to opt out of the disclosure of my nonpublic personal information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

FCRA Section 603 ( d ) ( 2 ) ( A ) ( iii ) opt-out. If the institution shares personal information pursuant to section 603 ( d ) ( 2 ) ( A ) ( iii ) of the FCRA, it must include in the mail-in opt-out form the following statement : Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

FCRA Section 624 opt-out. If the institution incorporates section 624 of the FCRA in accord with paragraph C.2 ( d ) ( 6 ) of these Instructions, it must include in the mail-in opt-out form the following statement : b Do not allow your affiliates to use my personal information to market to me. Nonaffiliate opt-out. If the financial institution shares personal information pursuant to 313.10 ( a ) of this part, it must include in the mail-in opt-out form the following statement : b Do not share my personal information with nonaffiliates to market their products and services to me.
Product: Mortgage

Having qualified for a {$5000.00} " pay-for-performance '' Home Affordable Modification Program principal reduction, I filled out and promptly returned the appropriate Dodd-Frank certification form XXXX provided by my loan servicer by certified mail. I retain the company 's representative 's signed and dated return receipt as proof that the form was delivered within the time period allowed for applying to receive the incentive. I became eligible for this incentive on XXXX XXXX, XXXX, however, my account was not credited until XXXX XXXX, XXXX. After subsequent phone calls to the service provider to inquire why I had n't received the {$5000.00} principal reduction in a timely manner, I was informed by the loan servicer on several occassions that it had yet to receive payment from the U.S. Treasury. The issue was not addressed by the loan servicer until I contacted the Housing Council on XXXX XXXX, XXXX to ask for help resolving this dispute for non-payment of incentive. The loan servicer sent me a letter dated XXXX XXXX, XXXX stating it was conducting research on the dispute. A subsequent letter from the loan servicer dated XXXX XXXX, XXXX stated, " Unfortunately, the Form XXXX you returned last fall was misidentified upon its receipt. Consequently, its receipt was not reported to the US Treasury, which caused the Year 6 incentive not to be paid by the government ... we apologize for any dissatisfaction this matter has caused. '' How is it possible to misidentify this FORM XXXX? I allege that the servicer was grossly negligent in its processing, and believe that this company willfully committed fraud for financial gain by preventing me for eight months to recast my loan, thus lowering the loan principal which would have resulted in less interest paid to the lender. Furthermore, I was further harmed by having to wait for the principal reduction because during that period of time, I could have taken advantage of lower interest rates by refinancing this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This shows up on my XXXX XXXX account. I happen to be checking my credit and found this notification to be addressed. The person below is NOT me but the last four digits of the social are mine. Is this breach real? 

Dark Web Alert Compromised XXXX XXXX XXXX Date found on dark web XX/XX/2022 Additional info found with this breach Identity Information Drivers License Number : XXXX Drivers License Issue State : pa First Name : XXXX Last Name : XXXX XXXX Number : ( XXXX ) XXXX Contact Information Address : pa XXXX I do not know this person XXXX and/or the phone number identified. The drivers license also does not belong to me. I found this information only on XXXX XXXX as a result of checking my credit. It does not appear anywhere else, but I felt the need to address it since it is recent. 

How does this affect my credit and/or history? I can't seem to identify where he might have breached my account. 

Please help.
Product: Mortgage

This complaint is against Mr Cooper.

Loan # is : XXXX   Property : XXXX XXXX XXXX , XXXX XXXX Ca XXXX. This is my place but all correspondence should be at XXXX XXXX XXXX, XXXX XXXX Ca XXXX or email : XXXX. My cell phone is : XXXX XXXX XXXX.

I bought this home around XX/XX/XXXX. The house is currently. The lender has claimed I did not pay my supplemental taxes. I disputed and provided ( fax & email ) to the lender. I even complained to the lender, it's not my fault. Someone at the company screwed up and now they started to impound my account for property taxes. I pay my property taxes in full on time. I have been calling every month or so with no response. The last person to help me and sound promising was at XXXX XXXX XXXX. She was helpful and even followed up but then went COLD. The woman claimed the funds from County have been released XX/XX/XXXXand should not be impounded any more. I have called the number several times with no response. Mr copper sent me a legal response on XX/XX/XXXX stating they are investigating this matter. No response so far. My loan was sold to Mr Cooper. Last XX/XX/XXXX I sent email via their web site and they have not even responded to date. This kind of behavior should be penalized. I am on auto pay and have never ever missed a payment.

I even called today before connecting with you guys. They connect me to the XXXX  phone number and eventually disconnects with no answer. Can you help?

XXXX
Product: Debt collection

I opened an account with an attempt to build credit, i neer used the card yet the company states i used the amount due and currently owe a balance. i NEVER used the card.
Product: Checking or savings account

I was trying to access my account using another app and I was restricted.
Product: Debt collection

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! Account Name : XXXX XXXX XXXX  Original Creditor : XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL st to subsection ( c ) any consumer reporting agency may furnish a consumer report under lowing circumstances and no other : ( 2 ) In accordance with the WRITTEN GDIR CEO ION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts