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

I disputed a fraudulent account XXXX XXXX and I send in documents for this account and XXXX refused to block it due to I had obtain goods which is false I never use this credit card or apply for this account and I was in prison and locked up and I can show you proof that these payments were unauthorized to my bank account I request the bank to dispute it and they have determined these payments were fraudulent/unauthorized and return the money back to me and yet the dispute with XXXX XXXX was denied by the credit bureaus and they never blocked the account before this is fraud and it a violation of fair credit act
Product: Credit reporting, credit repair services, or other personal consumer reports

It states on my credit report that I have been evicted from XXXX XXXX XXXX XXXX  NY XXXX XXXX It also states that I have 2 judgements
Product: Prepaid card

I placed an order with XXXX for appliances in XX/XX/XXXX. I filled out and mailed a rebate form for a {$120.00} Visa Debit Card for purchasing XXXX washer and dryer that was part of the order. I received a debit card through the mail sometime XX/XX/XXXX. I did not activate the card. In XX/XX/XXXX, I received a letter in the mail from Blackhawk XXXX notifying me that my debit card may have been compromised and they were sending me a new card which I received in XX/XX/XXXX 
Around XX/XX/XXXX, I went to the myprepaidcenter.com web site to activate the card. I discovered only {$2.00} credit remained on the account. I called a Blackhawk representative and he stated that two purchases were made on the XXXX web site on XX/XX/XXXX in the amount of {$83.00} and {$39.00}, respectively. The representative told me he would send a dispute form in the mail for me to fill out and once received by XXXX, the account would be credited the full amount of {$120.00}. 
I never received the form, so I called again on XX/XX/XXXX. This time I spoke to XXXX XXXX. She said she would email me the form that day. Once again, I was told to just fill out the form and my account would be credited the full amount. I filled out the form and tried to fax it along with supporting documentation numerous times over XXXX days XXXX XXXX XXXX and XXXX XXXX ) to the fax number provided. Everything worked fine on my end, but when the fax machine connected on their end, nothing would happen and the transmission would time out. I sent an email stating the problem but did not get a response. So I emailed the dispute form and also mailed it to the address shown in the instructions. 
I did not hear back from Blackhawk so I called them on XX/XX/XXXX and spoke to XXXX. He said Blackhawk received the dispute form and his management are reviewing the dispute and will contact me within XXXX business days. I never heard back from Blackhawk. 
Around XX/XX/XXXX, I then received two notifications dated XX/XX/XXXX in the mail from Cardholder Services stating that they had sent me a letter concerning the unauthorized activity on my account ; then stating that since they did not receive my inquiry ( which they never requested in their letters ) within the timeframe allowed to pursue the dispute the claim has been closed. Each letter was for one of the two XXXX purchases. 
I feel this has been a scam all along. I never activated the original card, but yet someone allegedly used the account to make the two purchases on XX/XX/XXXX Blackhawk never indicated at the beginning of this issue that I had to fill out a dispute form. They just sent me new cards and never indicated I had to fill out a dispute form. I had to initiate the discussion with Blackhawk to find out they wanted the dispute form and then it took effort and time to finally get it to them. Then they say my dispute form was received too late. Something is amiss.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my dispute is that there are multiple discrepancies still showing even afterfiling my ID theft report. Remove the following immediately : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX 'S XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information listed above is not only inaccurate and incorrect but also obtained without my knowledge, consent, or permission. PLEASE ADD A SECURITY FREEZE AND SEND ME A PIN NUMBER.
Product: Credit card or prepaid card

Milestone violated my rights by sharing my information with third-party companies. I did not give consent for my non-public to be shared. Also, Milestone wrote the debt off but reported the account as debt to the consumer reporting agencies but instead, it is now income according to the IRS. 

Attached is documentation supporting this claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX XXXX with a balance of {$26000.00} These accounts have resulted in negative reports and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, and collections appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I was previously a victim of ID Theft and upon periodically viewing my credit report I noticed bankruptcies being reported in my public records. I contacted the bankruptcy court and was informed that after their investigation, it found be fraudulent and was removed from their records. I am enclosing a correspondence from them stated that. 


-case # XXXX  disposition date : XX/XX/XXXXXXXX  -case # XXXX  disposition date : XX/XX/XXXX
Product: Student loan

Recently I have been made aware that XXXX XXXX and his associates have accessed private and sensitive information of American citizens including myself and I do not feel comfortable of safe continuing my loan payments as he has broken federal laws and accessed data that no one has been able to confirm or deny is safe. I currently do not trust my XXXX  in these hands. Thank you
Product: Debt collection

In accordance with Fair Credit Reporting Act. Credit Coll account # XXXX has violated my rights. 15 U.S.C.1681 section 602 A states I have the right to privacy. 15U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a car loan with XXXX XXXX back in 2014. Since then, the account has been closed. However, according to my credit report the account is still open. 

Although I do not have a loan with rhis company, my mother XXXX XXXX does, but for a different vehicle.. 
As such, I have paid for her loan using my credit cards and assume the errors are from misapplied payments (? ) Regardless, this account is still being showed as active on my credit report and it is NOT nor has been for several years.
Product: Mortgage

My home can be saved. Please help me. I make enough money now to afford a modified mortgage that rolls in the payments that I am behind on if it puts the interest rate at the prevailing rate for a 40 year term. 
I applied to Wells Fargo for a mortgage modification in on XXXX XXXX, 2015. After they received my application they sold my mortgage to a new investor and to a new servicer, XXXX XXXX XXXX. The loan was sold on XXXX/XXXX/15. They sold my loan to XXXX so that XXXX could foreclose on my house. XXXX is notorious for denying modifications and speeding through the foreclosure process. Despite the fact that my mortgage was being reviewed for a modification they sold my mortgage to XXXX who immediately began foreclosure proceedings. After my mortgage was sold to XXXX I received a HAMP denial letter from Wells Fargo stating that my loan was denied for several reasons that were inaccurate. Their waterfall analysis did not follow the proper procedures in the HAMP guidelines and there were errors. I received a letter from Wells Fargo saying that my loan modification was denied because Wells Fargo was unable to create an affordable mortgage payment. I make sufficient income for a modification. XXXX XXXX had told me that my modification application would be sent to XXXX, yet XXXX claimed that they never received it. My denial letters from Wells Fargo were mysteriously dated XXXX/XXXX/15 the same day that my loan was transferred to XXXX. This fact tells me that they did not actually review my application but just fabricated reasons for the denial. I allege that they did this because they wanted to sell my mortgage to XXXX for the following reasons : They wanted to sell my mortgage to XXXX so that they could foreclose ; and XXXX does not want to buy loans that are still eligible to be modified because they make money buying mortgages at a discount and then foreclosing on the homes. I wrote to Wells Fargo to ask for details of my denial and to appeal my denial. I never heard back. If Wells Fargo and XXXX want the benefits associated with participating in the government programs and they do participate in the government programs then is n't it my right to appeal the denial? If my application is denied with Wells Fargo then I need to know the accurate reason for my denial. I would also like to know which modification programs I was reviewed for and the calculations that determined that I would be denied. I have attached the denial letter that Wells Fargo sent me and my appeal to this email. I faxed my appeal in and emailed XXXX XXXX who was the person at Wells Fargo assigned to my account.
Product: Mortgage

Loan care did not credit my account in the amount of {$1000.00} that was transferred from my XXXX XXXX  account to Loancare on XX/XX/XXXX ( for credit toward my principal ). I have had multiple telephone and email contacts with Loancare. I have emailed Loancare copies of all bank transfer records. On XX/XX/XXXX, Loancare emailed me that my complaint would be forwarded to a team of specialists. Since that time, I have received no further communication from Loancare and the {$1000.00} has not been credited to my account/applied toward principal. On XX/XX/XXXX I sent a Priority mail letter via XXXX to Loancare, per the complaint format on their website, detailing steps Ive taken to resolve this issue. I have received no response.
Product: Credit card or prepaid card

Hi I have some trouble on my Amex credit card and need you help. 

I have applies an American Express Premier Rewards credit cards via the website of American Express. It said that I would " Earn XXXX Membership Rewards Points after you spend {$2000.00} on purchases on your new Card in your first 3 months of Card Membership ''. However, when I finished my {$2000.00} purchases in first 3 months, I didn't get the so-called " XXXX Membership Rewards Points ''. I have contacted them for this issue. They just said they think I couldn't get these points without any reason. 

They never told me that I can't get these points when I was applying and paying with this credit card. How can they cheat me to apply this credit card and refuse to pay me the so-called " XXXX Membership Rewards Points ''? 

In a words, They has no reason to refuse paying me " XXXX Membership Rewards Points ''. 

That's all about my issue. 

Thank you for your kind assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I looked at my credit report and saw that someone had opened up a cable bill in my name with XXXX. I called XXXX and they told me that I have to prove that it is n't me. They have n't sent me anything that all. I happened to call them and they told me that someone in XXXX, Texas opened an account with my name. I gave them my last four and the operator said it was n't me but I need to prove it. The individual and I share the same first and last name. I do n't know her middle initial. Mine is XXXX.
Product: Debt collection

Please see the attached document that shows the bankruptcy was discharged INCLUDING ANY ALL STUDENT LOANS. Navient, the original creditor, is correctly reporting the loan as discharged in bankruptcy 3 years ago. XXXX, by law, is NOT ALLOWED to buy a debt that was discharged and then begin reporting it as collection owed. 

I will continue to fight this everyday until someone listens!!! STOP reporting it to my credit as collection, late!!!!
Product: Credit card

I do not recognize this account. misused information. this person has my same and address and it is not me. you have no rights under the law to accuse me of debt I know nothing about.
Product: Checking or savings account

Navy Federal Credit Union took {$600.00} from my account for an alleged credit card debit they have not validated as accurate. The XXXX XXXX is the security that is collateral for Navy Federal Credit Union. The security has equity from the trading and I am entitled to equitable relief since the financial asset belongs to me. I request Navy Federal Credit Union uses the equity that my security has made to settle any allege debt and refund any overpayments as the profits rightfully belong to me. The Federal Reserve Act strictly prohibits banks from loaning its own assets and since this is so they are insured under FDIC and NCUA which insures Navy Federal Credit Union so they risked no loss at all so illegal seizing money from my account is theft of funds. Navy Federal Credit Union has taken over {$2000.00} in illegal withholdings from my account. Not only are they engaging in security fraud they are also taking money from their customers without a valid court order which is a judgement.
Product: Vehicle loan or lease

I have sent Santander Consumer USA validation letters back in XX/XX/2020. I have disputed this account several times asking for validation of debt and have not received any correspondence back from Santander Consumer USA. They also have incorrect information reporting to my XXXX  and XXXX  credit report.
Product: Debt collection

Had multiple accounts with Jefferson capital, called to settle collections with XXXX XXXX XXXX and they had sold the debt off to another agency but yet they are still reporting the debt. They do not own the debt. I disputed through XXXX XXXX and XXXX they validated the debt but did not send me anything to who owns it.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

11. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

12. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Mortgage

I made two payments to Shellpoint mortgage in XXXX and XXXX they have not applied these to my account. I have called them numerous times, sent them my banking information and they still have not applied the payments. They sent me letters telling me I an in default. I am not making a XXXX payment until this is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not mail me out a complete copy after opt out by letter 2 times. Equifax has not mailed me no copy as requested. I have allso filed a complaint with US attorney office in regards to my credit rights. Equifax has let to provide my free copy or anything
Product: Credit reporting

Transunion has an old charged off XXXX credit card on my credit report. The account was last reported in XXXX/XXXX/2007 with a balance of {$790.00} which makes it over the 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Product: Debt collection

Portfolio recovery opened account on XXXX XXXX open balance of {$550.00}
Product: Debt collection

This company, Suburban Credit Corporation calls me everyday and leaves me a voicemail stating they are trying to collect a debt from me. Sometimes on the voicemail they use my correct name other times they leave a message for someone else that I have never met before but it is the same message every time. XXXX XXXX calls every day and request that I call her back at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One was in full on XX/XX/2019 in the amount of XXXX and my balance was {$0.00} and they are reporting on my credit report that I still have a balance. I called and spoke with a representative by name of XXXX and also a supervisor by name of XXXX on XX/XX/2019 and she stated that I had a balance of {$6.00} and I was aware of this because I used the card a few days ago, but they still not reporting the correct amount to the credit bureau just would like for my report to updated to reflect what I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus and I have filed a dispute numerous times on fraudulent accounts on my credit file! I have also submitted and FTC report on these accounts! XXXX completed my dispute on XXXX and the dispute # XXXX. The did NOT removed these accounts. I called XXXX on XX/XX/29 and spoke to someone in the fraud department who advise the creditor DO NOT have to provide any proof to say the accounts are validated. They also mention they DO NOT have to follow the FCRA guidelines! The credit bureaus are NOT following their guideline per the FCRA to validate a debt or remove the accounts. They are also not responding in a timely manner. I have ask these bureaus numerous of times to validate this debt is mine and they mention they dont have to and it is my job to validate the debt with the creditor. I also have a recording of the fraud representative from experian telling me this but I cant upload the recording.
Product: Bank account or service

Savings account was open with the sole purpose of protecting myself from any overdraft fees. I truly feel the clerk had malicious intent is miss leading me. I'be received a total of XXXX penalty fees in less than a month. And to add insult to injury I spoke to a customer care rep over the phone on XX/XX/XXXX about overdraft fees I stated that I use my savings to pull from to avoid additional fees and she made no mention of the XXXX dollars I 've been paying every time I pull money from my savings.
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 U.S.C XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 Section 602 A.States I have 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 7years. 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 know or has reasonable cause to believe that the information is accurate.