23daVinci/CFPB_Complaints huggingface dataset:
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : DPT EDXXXX Account XXXX has violated my rights. Or a list of inquiries : 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

I have paid full amount to XX/XX/XXXX credit services which is the third party collection company that the original creditorXX/XX/XXXX are using. I have disputed the account and provided the evidence that was paid in full to the 3 credit bureaus and the results came back as " partially paid '' from account balance which is incorrect. They have told me to contact the lender which I have and they told me the account is settled so I do not know why the credit reporting agency is have inaccurate information.
Product: Student loan

During the timeframe of XXXX, student loans were acquired for XXXX XXXX by the use of forged documents and my stolen Social Security number . In an attempt to further conceal this activity, these loans were then consolidated under my name using online activity. I discovered this in late XXXX  when my wages were unexpectedly garnished through my employer. I have tried to resolve this matter through many attempts with XXXX XXXX who maintains that I am responsible. I have provided approximately 85 pages of supporting evidence of identity theft. However, XXXX refuses to provide me any documentation supporting their position. 

Since XXXX has continued to act in bad faith condoning this criminal activity, I have moved this loan ( approx {$56000.00} ) away from XXXX to the US Dept of Education - MOHELA.
Product: Money transfer, virtual currency, or money service

**Brief Description of the Situation : ** I am writing to provide a brief overview of my experience with Cash App regarding unauthorized transactions and difficulties in communication. Over the past year or two, I encountered several issues where money was sent from my account without my consent. Despite my attempts to resolve these issues, I was unable to reach anyone at Cash App for assistance, as there is no available phone number to contact. 

I made several attempts to find a way to explain the situation and seek guidance on how to retrieve the funds that were incorrectly sent. Unfortunately, I did not receive any effective support or resolution from Cash App during these attempts. The lack of communication and assistance has caused me significant frustration and financial concern. 

While I do not have the exact dates or amounts of the transactions, I can confirm that these incidents occurred over the years I made numerous attempts to contact the company without success
Product: Credit reporting or other personal consumer reports

I have an account named ( SELF FINANCIAL/LEAD BANK ) on my credit report that has been cancelled for months now still havent updated on my credit report. Also I have so many inaccurate addresses on my credit report that XXXX wont let me dispute. Also I have a personal statement/ consumer report / fraud alert on my credit report I have been disputing these same items for months no RESPONSE OR ACTION HAS BEEN TAKEN. 
I was a victim of identity theft.
Product: Debt collection

Representatives from SCM ( Secure Capital Management ) googled me ( I 'm assuming ) and contacted my dad 's wife and left a voicemail that had my last XXXX of my social and a threat that if I did n't call them back they would show up at my job. There was no way they could 've known she was affiliated with me and there 's NO reason to leave my name and the last XXXX of my social on a voicemail of someone who could 've been a complete stranger and done something with that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that Experian is in violation of 15 - USC- 1681 b ( a ) 2 which states a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the cnsumer. 
I the consumer never gave Experian any written consent to report anything on my consumer report. I told them to remove these inaccuracies off my consumer report. They are hurting my consumer report keeping me from extending my credit. if not removed i will not extend my credit to anyone or allow Experian to furnish a report for me. 
Persuit to 15 - USC - 1681 ( A ) 1 states that the banking system is dependent upon fair and accurate consumer reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX XXXX 1904 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$2600.00} XXXX XXXX Balance {$720.00} XXXX XXXX XXXX  XXXX Balance {$930.00} XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX, XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX  XXXX Balance {$2100.00} XXXX : XXXX XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX  XXXXX Balance {$450.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX LAKE XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$710.00} XXXX XXXX AUTO FINANCE XXXXX Balance {$2600.00} XXXX XXXX  XXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$600.00} SXXXX XXXX XXXX XXXXX Balance {$2100.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} YXXXX XXXX XXXX XXXX XXXX XXXXX Balance {$470.00} XXXX XXXX XXXX XXXXX Balance {$250.00}
Product: Mortgage

On XXXX I received a letter from BSI Financial Service stating that I owed {$12000.00}. I paid, not knowing what that payment was for. 

When I logged in on XXXX  to pay my XXXX mortgage, I again saw that I owed XXXX again.. 

I checked my payment history and saw that I paid XXXX on XX/XX/XXXX Under Recent Transaction Activity, XX/XX/XXXX {$120.00} payment was made and is listed as " Cash Receipt. '' ( note I don ; 't know what that means ) I called BSI at XXXX XXXX PST Monday, XX/XX/XXXX, and Tuesday, XX/XX/XXXX, to find out what this additional {$120.00} payment is for. 

I got a recording of your wait time is over 10 mins. Each day I waited 20 mins then Click 1 for a callback But received no call back on either day.
Product: Credit card

I entered into a Equal payment no interest account at rooms to go with synchrony bank. I was on a monthly payment of {$170.00}. On my bank statement dated XXXX I noticed {$30.00} late fee, {$1.00} paper statement fee, {$2.00} interest. 

On XXXX XXXX I called XXXX and spoke with XXXX XXXX XXXX advised that there was a paper statement fee starting XX/XX/2024 and I was charged interest and late fee because my payment was short the paper statement fee. My new payment was to be {$210.00}. I was told the {$30.00} would be reversed but I still am required to pay {$210.00} otherwise I would incur additional fees after the XXXX of XXXX. 

I advised that it was unethical to charge interest and fees on new paper statement fees but agent communicated there was nothing that could be done. I was made to establish paper less statement option to avoid {$1.00} monthly fee which would be subject to additional interest. I requested all fees for paper statement and interest charged since XXXX be refunded and the agent was not able to do so. 

I was forced to pay additional {$32.00} to avoid fees on top of fees. Additionally, my account was closed due to no adverse action on the account.
Product: Mortgage

I completed and submitted a loan modification package to Ocwen on XXXX XXXX, XXXX. On a follow-up call on XXXX XXXX, I was informed that the XXXX tax return that I submitted was not signed on page XXXX. I less than 1 hour, I sent a signed page XXXX in a pdf document via email, as I was specifically instructed to do. I also followed up to make sure that the document was received. I was told that the review would only take a few days, and would be complete well in advance of the schedule foreclosure sale on XXXX XXXX. I called back on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was told each time that the modification package was complete and being reviewed by underwriting ( and that I should have an answer in a few days ). I called again on XX/XX/XXXX and was told that underwriting was still waiting on the signed document - obviously meaning that it was not under review. After some research, the representative acknowledged that I HAD sent the document in question, and that underwriting did not understand why I had only sent page XXXX. He said that he would contact underwriting and explain the problem. I asked about whether or not the sale on XXXX XXXX would be postponed, and he said that it could not. I asked what would happen if the review was not complete, and he said " that would be a problem ''. I contacted the department of the Ombudsman on XX/XX/XXXX and spoke to a rep named XX/XX/XXXX. She indicated that underwriting STILL believed that they did not have a complete package, but that she would investigate and get back to me in a couple of days. No one can give me accurate information! 
This process has been on-going for more than 6 months. Ocwen reps seem unwilling or unable to answer basic questions or explain correctly how the process works. I get contradictory, and many times completely inaccurate information. Aside from the moral obligation, it is my understanding that Ocwen has a settlement in which they agreed to specific actions and procedures that they have not followed.
Product: Vehicle loan or lease

See attachments Listing of all the factors for consumer transaction. I wanted to access a portion of my unlimited consumer credit title 15 subsection 1611 false and misleading denial of my own credit.

15 U.S. Code 1611 - Criminal liability for willful and knowing violation U.S. Code Notes prev | next Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than onXXXX year, or both. 
( Pub. XXXX XXXX, title XXXX, XXXX, XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title X, XXXX ( XXXX ), XX/XX/XXXX, XXXX Stat. XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I have made 5 telephone calls to Equifax all which have included automated system that I repeatedly try to direct to the fraud department and was continually hung up on after stating my rights were violated per 15 USC 1692, 18 USC 8, 15 USC 1681 ( a ) ( e ).
Product: Credit reporting or other personal consumer reports

Bankruptcy listed on my credit report is not mine, information belongs to someone else.
Product: Debt collection

I was not given any notification on the status of my loan, when I spoke with a representative today to obtain a reinstatement amount I was told that that since my vehicle has been repossessed it will be 24-48 hours before the amount is available. I was also told that a cease and desist was received. Wells Fargo Dealer Services has made violations in the past with regard to collection on this debt they have disclosed my loan status to a friend in order to obtain information. They have also misrepresented themselves as a prospective employer in order to gain information. This time they have searched a non affiliated party to the loan to obtain the location of the vehicle. They have used in the past the tow truck company the killed one of their consumers in a vehicle chase. I would not doubt that they would go to any lengths to make money. They get away with this time and time again. I know I am not the only one.
Product: Mortgage

XX/XX/2019 XXXX XXXX 
I checked my property taxes online with the County. It is impounded and had not yet been paid, so I paid it, {$160.00}. 

I called Triad, the lender. I spoke to an escrow person who said that I would receive a refund. I did not. Several weeks went by. I called again. No answer. I left a message. No response. 
In XXXX, I received a NOTICE OF DELINQUENCY from Treasurer and Tax Collector of the County of XXXX XXXX. My impounded taxes had been paid late. I sent the penalty amount, {$26.00}, out immediately, and contacted Triad. Again, I called, left messages, and emailed. 

I finally received an email on XX/XX/XXXX. They blamed COVID for the short staffing and I was told to contact the County for the refund.

They have now been negligent twice inside of one year. I have asked that my impounds stop, as my credit is above excellent, but they refuse.
Product: Checking or savings account

My social security benefits are in my Chime bank account they are holding my money illegally my debit card is not working, they are ignoring me
Product: Debt collection

I received a small claims notice that I am being sued by Absolute Resolutions Investments LLC through XXXX XXXX XXXX. This is the first I had heard of this debt or of it being " owed. '' I never received any communications from Absolute Resolutions of the debt AT ALL. When served with the papers of the small claim, I filed an Answer affidavit back denying debt and asking for several things including - debt validation, copy of original signed contract with original creditor ( which I had no prior knowledge of ), Valid proof, attorney 's collection and licensing, Lack of Privity, all of this- I was NEVER provided anything from Absolute Resolutions on such a debt placed with them.
Product: Money transfer, virtual currency, or money service

I initiated international wire transfer on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received a confirmation of the transfer with expected date no later the XX/XX/XXXX. Money were not received on time. XXXX XXXX XXXX deposited Money on XX/XX/XXXX. I had a deadline XX/XX/XXXX. I was informed money were not received on XX/XX/XXXX. I contacted CITI Bank wire department, they recommended to start the wire trace, provided me with the case number and never followed up with me! On XXXX XXXX I called again, I was told they were waiting for a response from XXXX XXXX department in XXXX asked me for transfer confirmation since they did not receive the money. When I requested a confirmation from CITI bank I was told I will receive a confirmation within two business days via email! The confirmation I received on XX/XX/XXXX did not contain foreign account information. Wire department manager provided my the password for the confirmation letter. I never received the letter! XXXX I was under stress. Eventually I received a message from XXXX, money were deposited on XX/XX/XXXX Also I questioned exchange rate on XXXX XXXX since I was charged {$6000.00} My ex husband was charged {$5800.00}. We both send money same day, same time for our daughters wedding venue deposit .He sent it with XXXX XXXX XXXX and his transfer was received on time. He received confirmation on XX/XX/XXXX. I paid more and my payment was late! And I am still waiting for a response from CITI bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I filed a complaint against a debt collections agency " XXXX XXXX ''. During the XXXX XXXX  I was going purchase a vehicle. after the auto dealership check my credit report, the car dealership " made me aware of a newly added collections to my consumer credit report. 
I checked my credit report and seen, for the first time, XXXX XXXX added a collection to my credit report. I called this debt collections agency, and the representative said initially, they have called me several times, I asked wat number they called, and a completely different number from mine. then I was told they ( XXXX XXXX ) had been sending me notifications of this debt since XX/XX/XXXX to my address here in XXXX XXXX XXXX, XXXX that's impossible, I just accepted a work relocation here the middle of XX/XX/XXXX, ( No one ever contacted me, prior to ruining my credit, my score dropped XXXX XXXX ) I asked what I need to do to get this removed from my credit report as soon as possible? The manager of XXXX XXXX informed me, to pay the arrears and they would have this collection removed immediately ( well as you can see, that was another false statement, I'm still struggling with this. WHO PROTECTS XXXX XXXX FROM IRREGULAR BUSINESS PRACTICES LIKE THIS???? 
1.No one ever contacted me about money owed 2. XXXXXXXX NEVER tried to contact me, they simply added this collection to my report, KNOWING WHEN I TRIED TO GET CREDIT, I WOULD CONTACT THEM, THIS IS AN ILLEGAL BUSINESS PRACTICES 3. I PAID THE {$1400.00} AND XXXX XXXX, DIDN'T HAVE THE COLLECTIONS REMOVED, ANOTHER LIE 4. I SUBMITTED A COMPLIANT WITH EXPERIAN AND THEY SIMPLY AGREED WITH XXXX SYSTEMS, WHERE'S THE JUSTICE? IF I HAD KNOWN THERE WAS A COLLECTION, I WOLD HAVE PAID IT PRIOR TO RUINING MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon recently checking my current credit report I noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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: Debt collection

I been in XXXX  since XXXX  these cards was charge and I lost my wallet and didnt used none of my credit cards someone was tryin to use my card since they found my wallet
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES has posted an account on my credit report. Portfolio recovery associates is a debt purchaser. However Portfolio recovery services never notified me of my right to dispute the debt that they purchased from XXXX XXXX. In addition they claim that the Date of first delinquency was XXXX, 2016. THe original date of deliquency was XXXX 2016. with no payments or promises to pay being made after that,
Product: Debt collection

XXXX XXXX XXXX  XXXX charged off accounts and refuse to send a charge off letter. I spoke to them and they put me on hold and pass me to several people before hanging up. Before the hung up they said we dont have your account in the system, however, they had all account information including my social date of birth and address. They have created a product of my personal information and have began to sell it to multiple debt buyers like XXXX and XXXX. I had XXXX closed, however XXXX XXXX is enslaving me by holding my credit reporting XXXX, stealing my freedom in credit, after being fully credited. They do not want me to have what is lawfully mines, a XXXX and a charge off letter. I spoke with the company and they admitted they never sent a charge off letter, when the accounts were charged off last year. They have not deleted my personal information but instead are selling it to the highest bidder. Even though these accounts were fully credited, seek to be re-credited over and over again. Using the power of a large XXXX, they have deceptively used my personal information as a product of their company. They have never provided a signed contract between XXXX XXXX and XXXX XXXX XXXX  XXXX, they have not validated the debt.