23daVinci/CFPB_Complaints huggingface dataset:
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 researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; CXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$1100.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Mortgage

Here is what I am going through with Mr. Cooper. 

Today, XX/XX/year>, I just received another XXXX XXXXXXXX package with the modification papers. They have rejected the last ones. That was the third time the documents were rejected. I called when I received the first set and was told to leave where it says " The XXXXXXXX XXXX XXXXXXXX XXXX '' blank. Just sign my name. I sent them in, and they were rejected. The second set was sent, and I called two separate times. Asking them how they need to be done. ( We found an error on the paperwork. My last name was misspelled. It left the " XXXX '' off ). I was told just cross out " XXXX XXXX XXXX XXXXXXXX XXXX '' and put my initials by it. The Notary showed up to notarize the paperwork, and she called to find out how the papers needed to be signed. They advised her to cross out " The XXXX XXXX XXXX XXXX '' and advised her about my last name and she told us to cross out the incorrect spelling and write it the correct way and put my initials behind it. Those were rejected because nothing can cross out on the paperwork. I then received another set and called to find out the correct way to sign them. I spoke with XXXX, she told me to sign on the line above XXXX XXXX XXXX XXXX XXXX XXXX '' sign my name, Executor of the XXXX XXXX XXXX XXXX. '' Then I received a call from someone else and I explained to them what was going on and they told me to cross through, on the first pager, " TXXXX XXXX XXXX XXXXXXXX XXXX '' and leave the rest alone and just sign my name. Those were rejected because I crossed through " XXXX XXXX XXXX XXXX  XXXX '' and all places need to be signed. 

My mother did not assign an Executor nor leave a Will. We have known since childhood who is getting what was left. I have submitted all the Quit-Claim Deeds showing my name is on the house. I made all the payments to do the modification. 

This whole situation has me so frustrated with all these different things. I am having to gXXXX XXXX XXXX XXXX XXXX XXXX After I get the phone the associates at Mr. Cooper, I must lay down to calm myself down. Mr. Cooper needs to do something for me to compensate me for what I have gone through. 

XXXX XXXX ( XXXX ) XXXX cell
Product: Checking or savings account

I need my pic account to link to my employer 's so I can get paid.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX I need to make a complaint on a dispute I did withXX/XX/XXXX because I never receive my item and the bank agent telling me I cant dispute it now and other ones from yesterday tell me I can dispute when my transactions are processed to my account now the agents telling me I cant dispute I tell them what the other agents tell me yesterday and I got scammed and I need the {$210.00} claim to be reopened and processed the claim number is XXXX and I need the {$14.00} claim to be refunded too and processed the claim number is XXXX my address is XXXX XXXX XXXX XXXX XXXX PA XXXX and contact phone number is XXXX
Product: Student loan

Filed for loan forgiveness. Loan was forgiven. 11 months of overpayment and 36 months of payment not required during XXXX. 
In XXXX, I was told Mohela was changing systems and refunds would processed by end of XX/XX/year>. Called end of XXXX. Mohela representative said my refund should be received no later than the end of XXXX. 
Reached out to Studentaid.gov and was told Mohela was XXXXhe point of contact. 
Called Mohela end of XXXX, again. No response. Emailed. No response. My access to my Mohela account has been closed, " Because of your current account status, were unable to process your request online. '' I just want this resolved.
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 The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : I also states a consumer reportino doency 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 hem 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 ) ( a ) 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.

Delete the hard inquiry below please.

Thanks. 


XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company KLS FINANCIAL SERVICES which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Product: Credit card

I signed up for an Amex Gold card. The sign up bonus was XXXX points if I spend {$6000.00} in XXXX  months. I got the card and spent over {$6000.00} in XXXX months. I called customer service when I received the card and they said I do qualify for the bonus if I spend the {$6000.00} in 6 months. I called a few weeks ago and again they said I will get the XXXX points when I spend $ XXXX.On both of these calls the rep entered notes in their system saying that I would get the points. I called yesterday and today and spoke with a rep and supervisor and they both said I don't qualify. I want to know what the exact reasons are that I don't qualify and why the first two reps said I do. I have not received any previous bonuses with AMEX and I didn't see any notification on the sign-up screen saying I don't qualify. This is a bait and switch I think. Please contact them and have them explain why 2 reps said I qualify and the last two I spoke with say I don't. and why I don't qualify for the signup bonus. 

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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance XXXX {$3600.00} XXXX XXXX Balance XXXX {$7100.00} XXXX XXXX Balance : {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX, i am writing this regarding a previous case " XXXX '' i provided feedback to discover they said they will contact me for further discussion, its been 25 days i have not got anything from discover. They were also unable to verify that i was present at the moment when those transaction was made. All the transaction was provided with old case number. I don't know why discover is not taking any action about the situation. Its matter of privacy and credit. As discover said same card used at the moment of transaction, i looked it up it could be a possible fraud XXXX XXXX, which generate a unique transaction code with every purchases What makes shimmers potentially more effective that skimmers? They can easily be inserted into indoor, in-store XXXX   terminals, where they record the data being shared between the cards chip and the terminal. Whats more, when the scammers periodically collect the shim to harvest its bounty, they appear to be doing nothing more than paying at the terminal. 

i have used my credit card at the same location before so i believe same thing happened to me. if discover can't protect their customer, its my fault getting penalized for that.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against CAPITAL ONE ( CAPONE ) because they are reporting late payments on my credit report inaccurately. This incorrect reporting is negatively impacting my credit profile and my ability to secure a mortgage for my family. The reported late payments are not only erroneous but also mathematically impossible based on the account history. I have tried to resolve this issue directly with CAPONE, but it remains unresolved, and the inaccurate information is causing significant harm to my financial opportunities.
Product: Debt collection

I was never called, texted, or emailed by any party on owing any amount of money. Legally before it becomes a debt I must be notified. I have no recollection of owing money to any rental company within the last almost three years. 
Theres no written consent of knowing that I had an open balance.
Product: Debt collection

I've contacted the company by certified letter with no response and incorrect address provided by the credit bureaus for the past 7 months. Certified letter to depth collector be returned because of undeliverable address. I've also requested validation from both credit bureaus and company directly with a certified letter with no response.
Product: Checking or savings account

I had an ach withdrawal for my rent and my account was short the money. I was told by a representative that if the ach withdrawal happens on a day you can make the payment between XXXX and XXXXXXXX XXXX. And the check will clear. I was also told there were no ach withdrawals when the bank is not open no funds will leave my account but fir some reason the ach withdrawal left my account at XXXX in the morning.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

Subject : Illegal Credit Report Inquiry by [ Collection Agency Name ] FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX  for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On [ date of inquiry ], [ Collection Agency Name ] performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA.

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX XXXX  that would justify this inquiry. 
This unauthorized credit pull has negatively affected my credit score and caused undue stress. As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages.

Please investigate this violation of my consumer rights and take action against [ Collection Agency Name ] to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 
Thank you for your attention to this matter, and I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy reporting on my credit reports along with several accounts that are related to that bankruptcy. I have made many attempts to get these errors corrected. I have also made many trips to the courthouses in my area in an attempt to locate the bankruptcy that is on my credit report. My search has not resulted in any public records that are in my name with my social security. My hopes is that XXXX XXXX can aid me in initiating a thorough investigation by the credit bureaus and the removal of the bankruptcy. I have attached the bankruptcy, inquiries and related accounts to the public record.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagging postings of charges and credits. This issue aligns with recent CFPB against Navy Federal for similar practices, where transactions settled with insufficient balance despite initial available funds. I believe these practices are unfair and request an investigation in my account transactions.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 




Account Number XXXX XXXX SOUTHWEST RECOVERY SERVICE XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting

The Ohio Attorney General submitted correspondence to remove a State Lien from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien. 

Equifax states that they have investigated the information and found the information to be accurate, which they would find it is not if they verified the information through the Ohio Attorney General ( lienholder ). 

What method of verification is Equifax using? Are they using an automated system or actually calling the Ohio Attorney General to verify the information that I 've previously stated? A tax lien is a big deal and it 's inappropriate for due diligence not to be acknowledged for the sake of saving time. 

My complaint was not whether or not the lien could be verified. The complaint was that the agency has not abided by the lien holder 's request to remove the lien from my credit report, as XXXX and XXXX has already done. 

The agency is using simply using a program to scan for information as to calling the Ohio Attorney General 's office directly and verifying that they have, in fact, requested that the lien be removed from all credit reports -- again to which all have complied except Equifax. 

The Ohio Attorney General can be reached at ( XXXX ) XXXX to verify that the lien should be removed. Please do the due diligence required in this matter.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

According
Product: Checking or savings account

Robinhood markets Inc has frozen my account with them as a result of an account restriction that they will provide no details about how to get lifted. This has been ongoing for over 3 weeks and they will not allow me to withdraw my balance held in my account to an external account while this is ongoing. However they are debiting my balance for a premium account and services with their company which they are also restricting me from using. So they have limited my ability to access my own money and while they hold my money hostage theyre paying themselves from it for services they wont allow me to use. 


I logged in 3 weeks ago and was prompted to submit my social security card, my govt issued ID, as well as Bank statements in their entirety. I submitted all of the requested information within a matter of 1-2 days. However, my account remains restricted and despite continuous outreach on my behalf the only responses Ive received from them are XXXX  customer service emails from robots that contain no real information and provide XXXX help getting my issue resolved. I have been requesting calls daily and they will not provide me access to the account review team who is supposedly reviewing my account to validate something, but cant tell me what it is or why. It is on its face ludicrous that it should take any company 3 weeks to validate any piece of customer info, much less a firm that is publicly traded and has thousands of employees. I want my money.
Product: Credit reporting

The credit reporting agencies will eliminate the reporting of debts that did not arise from a contract or agreement by the consumer to pay, such as tickets or fines credit reporting transactions listed as unacceptable data ... Examples include, but are not limited to : towing charges, vehicle storage fees, parking and traffic tickets/fines, toll road fines/fees. '' " Do not report debt that did not arise from a contract or agreement to pay, including, but not limited to, certain fines, tickets and other assessments, '' the credit reporting agency document explained. " For example, library fees or fines, parking tickets, speeding tickets, and court fees or fines. " Motorists with existing red light camera, speed camera or parking ticket debt on their credit report can expect that their records will be cleared. Under the legal settlement, consumers have new rights to dispute incorrect items on their report. 
Traffic Tickets and Government Fines Will Not Appear in Credit Reports Cities and counties often refer traffic tickets and government fines to collection agencies, or sell them to debt buyers. Currently, collection agencies and debt buyers report these tickets and fines as " debt '' to the CRAs.CITY OF XXXX XXXX Account # Beginning in XXXX 2016, CRAs will no longer report debt that " did not arise from any contract or agreement to pay, '' such as traffic tickets and government fines. 
I have XXXX paid parking tickets on my experian credit report that should be deleted based on this new policy. 
CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX I have called repeatedly to talk to a supervisor and have left several messages as the first level customer service agents have no idea about there own policy! Nobody has bothered to call me back.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC1681 Section 602 states I have the right to privacy. 16USC1681 Section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

In XXXX of this year, this company was placed on my credit report. I have no knowledge of this account and this should not be on my credit reports. 

This company is not licensed to collect in IL, therefore it is even illegal to attempt to collect a debt from me. Please have this deleted from my credit reports ASAP or I will pursue legal action.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 months that are reported late 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. 
XXXX XXXX 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