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

15 usc 1681B reasonable procedures states that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
That being said XXXX, Equifax, and XXXX  are reporting accounts that I dont want on there that are not accurate! And 15 usc 1681a states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! So all late payments are forms of a transaction I need all these things I want private and that are not accurate weather the debit was sold to another agency which means it was never mines if I wasnt there when it was being sold! Or the accounts are reporting as closed but still on my consumer report! Not to mention all of GAAP principals are being broken! Also XXXX had a massive data breach with all my information I didnt give permission for any reporting agency to report!
Product: Credit reporting or other personal consumer reports

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! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION 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 the accounts listed iMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage Servicing is incorrectly reporting a late payment to XXXX. I have bank account proof of on time payments. This needs to be fixed ASAP.
Product: Debt collection

I was a victim of identity theft in my information was used to open bank accounts for a mobile cell phone service and several checks were fraudulently wrote in my name when information was leaked the two of the agrees with XXXX XXXX XXXX icons a local police department
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT XXXX has failed to fulfill legal obligation under the Fair Credit Reporting Act ( FRCA ) 15USC 1681i ( a ) ( 6 ) ( B ) ( iii ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The consumer financial protection bureau has recently filed a lawsuit against XXXX, Alleging systematic issues such as failing to forward consumer-provided Evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experience has neither corrected or removed disputed items despite the evidence i have provided ( 3 times certified letters sent and provided. This is causing ongoing harm to my credit standing which not only affects myself but my Family. I am requesting immediate corrective action to remove the disputed accounts, as XXXX 's inaction violates Federal law and rights as a consumer. 

The following accounts : XX/XX/XXXX
Product: Checking or savings account

I am trying to link my checking account to an XXXX account to round up and save money
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, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX, 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 : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$62.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; Chapter XXXX Bankruptcy XXXX XXXX Bankruptcy Court Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX ; XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I reside at XXXX XXXX XXXX XXXX XXXX, Fl XXXX in XXXX XXXX XXXX I am writing this complaint because Transunion, LLC., has violated many consumer protection laws including preparing and reselling inaccurate information. Transunion, LLC., does not have permissible purpose from either XXXX XXXX XXXX XXXX the Consumer in which this Consumer Report relates, nor has a court issued an order to furnish such inaccurate information. Furthermore, as of XX/XX/XXXX, it took Transunion, LLC., 33 days to conduct a reinvestigation. Which is outside of the 30 days allowed to conduct a reasonable reinvestigation pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A )., This was previously disputed with Transunion, LLC., therefore, Transunion , LLC. , needed to conduct a reinvestigation upon Notice by XXXX XXXX XXXX XXXX This information was not verified by the end of XX/XX/XXXX, which would have been the end of the 30 day period allowed since Transunion, LLC., received notice of this dispute on XX/XX/XXXX.
Product: Checking or savings account

My Account was closed by Bank of America for no reason and my safety deposit box fee was not refunded back to me. Bank of America XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX, has Fail to validate at my request on XXXX/XXXX/2015 there is no date of last payment, there was not a payment made on this account.
Product: Student loan

On XX/XX/year> I received an email stating that interest was supposed to be still accruing even though it's in federal forbearance with XXXX interest
Product: Money transfer, virtual currency, or money service

I was scammed by a woman XX/XX/XXXX, whose business is called XXXXXXXX XXXX XXXX Shes a paralegal who was claiming to be able to do the work of an attorney, who told me she could provide me a service that she could not. She told me I had to pay {$500.00} through cash app. I did so, and when I found out it was a lie I asked for a refund, it was refused. I went then through cash app for the refund and they sent a request that was refused. I then called cash app and was told a claim was started and they cant talk to me about that anymore but I can ask about anything else. I asked about a claim number and was told again they cant talk to me about that again. They told me from that point I have to talk to my bank and they would have the most up to date information. I then called my bank and told them. They stated they would start a claim and send it to cashapp to get my money back when their claim was completed. They gave me a temporary credit for the amount. I was told the process can take up to 45 days. So I waited and then 40 days later I heard from my bank telling me that the claim was closed and they were taking the provisional credit back because cashapp never responded or sent back the money. I contacted cashapp and was told they couldnt talk to me about that, but they could talk to me about anything else. I said thats all I want to talk about. It was now XXXX and {$500.00} was just taken out of my bank account that I wasnt planning and XXXX XXXX  arent going to be getting groceries to eat, much less gifts that month. She then said that they had already sent the refund to my bank and gave me a date and time of late XXXX. I asked her to send me a screenshot because there is no record of it on my cashapp or in my bank, she said she cant do that. Then she hung up. I called back and was apologized to by a new person and told that there is no record of a refund or a claim at any time, but hes glad to open one. So he said he was opening a claim for me and then told me he couldnt talk to me about that anymore, was there something else I wanted to talk about? I said I wanted a claim number for that claim. He said again he couldnt talk to me about that anymore. So we hung up and I called my bank to tell them all of this. My bank apologized that they werent able to do more investigating but they cant really get refunds from places like cashapp because its XXXX party and they are going to deal with the same lies and run around that I am. I asked them, so thats it? This person just gets my money and nobody cares? No one is going to hold cash app responsible? So I called cashapp back again and a new person apologized and said once again that no claim had been filed, but he was happy to file a claim. This time I was given a claim number and told to wait for a conclusion. I got an email 3 days later from cashapp stating that since I havent contacted them in 3 days theyre closing the claim and nothing further will be done. If I want to open a new claim I could reach out again. I was too angry and had wasted too much of my time and energy on it at that point.
Product: Checking or savings account

I have been asking for the funds I deposited to be returned to me. The bank is holding my {$700.00} and I need them to make my payments. I put in a request to get the funds available and I havent had a response that should have lasted 24-72 hours according to the person the placed it. I am already impatient because the bank closed the account for fraud. They are hold my money that has already cleared this check is money I need.
Product: Vehicle loan or lease

I was a victim of identity theft last XX/XX/2019. Since then someone used my info on my computer to acquire a loan on my vehicle that i purchased several years ago via cash. i still have the title. XX/XX/XXXX is not recognizing the it and is going to sell my vehicle.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, I made an offer to purchase my first home. With the offer I wrote an EMD check to put toward the house. On XXXX XXXX, someone attempted to forge a check with my exact signature as the EMD check that I wrote for the house and had the next check number as the previously written check. 
In the first week of XXXX XXXX, I began to receive emails from the title company I was supposed to close with. I questioned this person and called the number that was given at the bottom of the signature to make sure this was in-fact a person that worked there. The company confirmed that she did and I proceeded to communicate with her. She continued to email me about the closing through out the month leading up to the closing date. I was supposed to wire my money XXXX XXXX, but I did not receive a final number yet, but I did receive a wire transfer form from my realtor. The next day, on XXXX XXXX, I received a wire transfer form from the fake person that was pretending to be the title company. I did not know at the time that she was not who she said she was. I looked at the form she sent, and the form my realtor sent the day before, and they were identical, except the account and routing numbers were changed. I questioned this with the realtor 's email address that was CC 'd on the email, which this address was also fake, and that person reassured me that everything was correct. That afternoon I wired the money to the account that I thought belonged to the closing title company. The morning I was supposed to close, XXXX XXXX, the fake person emailed me stating the closing had to be postponed, and she knew what time my closing was. During the closing process, it became known that the money was in-fact not wired to the correct account, and was wired to a fake account. I quickly called the credit union that wired the money to to a wire transfer recall. They were able to recall half of my wired money. I initially wired {$40000.00} to the fake account, which was at Wells Fargo bank ( they did nothing to assist me in getting my money back or freezing the account. I am not even able to find out if they have an investigation into this fraudulent activity ). The credit union was able to retrieve {$20000.00}. That same say, I filed a police report with the city that I reside in, to possible get resolution to this matter. I have also been in contact with an attorney and she believes that this is an inside job at either the sellers or buyers realtor company ( XXXX XXXX XXXX, XXXX XXXX respectively ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello There the items below do not belong to me, and they are stopping me from buying a home. 

XXXX XXXX XXXX  account # XXXX Amount {$1200.00} XXXX XXXX XXXX ACCOUNT # XXXX {$1100.00} XXXX  XXXX ACCOUNT # XXXX {$720.00} XXXX XXXX, XXXX ACCOUNT # XXXX {$480.00} XXXX XXXX  # XXXX AMOUNT {$85.00} XXXX XXXX # XXXX AMOUNT {$80.00} XXXX XXXX  # XXXX AMOUNT {$0.00} XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX # XXXX AMOUNT {$0.00} XXXX XXXX XXXX  # XXXX AMOUNT {$0.00}
Product: Prepaid card

I received two {$100.00} AMEX Gift Cards. I activated both and each said I have {$100.00} balance. However, I have repeatedly been declined while using these cards for amounts under {$100.00}. I have called and they say they should work and offer no other support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice.  Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX  XXXX   XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records and noticed that the disputed inquiries, which do not belong to me were still reporting in my credit reports. This is another request to remove the inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after the ( XX/XX/ ). Ive already included this issue in my previous letter & I am including it again. Also, the information you provided on these inquiries are UNKNOWN to me and were REMOVED from other bureaus and I have doubts about your reporting accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX
Product: Debt collection

CMRE took a bill that no longer exists and added it to my credit reports. They did this to deliberately ruin my credit. Because I stopped paying them for my previous accounts which has been cleared from their records. They took an account, that was originally for {$890.00}, Date of service is XX/XX/XXXX, and sent it to the credit bureau 's. This account was originally from XXXX XXXX XXXX XXXX. But they cleared all of my accounts. Now CMRE has also found other accounts and added to me. Which were not connected to me until recently. They were my son 's hospital bills. They date back in XX/XX/XXXX for {$31.00} and XX/XX/XXXX for {$270.00} from XXXX XXXX XXXX XXXX All of a sudden these accounts have been added once XXXX XXXX XXXX XXXX XXXX their accounts. This company is trying to ruin my credit. And is trying to get more money from me.
Product: Debt collection

I have never done business with RS Clark and Associates. I do not have a signed contract with RS Clark and Associates. I am not liable for any debt from a company in which I have never done business with. I have send a debt validation letter to RS Clark and Associates on XX/XX/2018 and I did not receive any substantial debt validation. Specially I did not see anything validating the alleged debt with my signature. According to the FRCA regulations, RS Clark and Associates are in violation and are subject to fines starting at {$1000.00}. This is my third time asking for the appropriate debt validation. The next time will come with litigation. I hope that this can be resolved without litigation. It is not suffice to present any papers from any other company other than RS Clark and   Associates. RS Clark and Associates can not simply respond by saying they will send me something in the mail. RS Clark and Associates does not have permission to contact me by e-mail, phone, nor us mail. All communication is to be handled via CFPB portal.
Product: Credit reporting or other personal consumer reports

Someone was trying to open a target credit card on XX/XX/XXXX but the account wasn't opened. I put a credit freeze middle of XXXX because my details got hacked. Please help me
Product: Credit reporting or other personal consumer reports

I have made several attempts to obtain an apartment for safe housing off the streets from being homeless. And each time I have wasted my money on applying just to still be home because of the adverse information that CoreLogic Rental has reporting. I request to be opted out of any written, non written, verbal and/or non verbal consent or permission to share my information with anyone without my permission. 

15 USC 6801- 6805, 5 USC 552 ( A ), 16CFR 444.1, 15 USC 1681, 15 USC1692 ( E ) ( 7 ), CFR 313.7, CFR 313.7 ( F ).
Product: Student loan

Company failed to provide adequate information that this loan is in fact mine. They have no chain of custody proof, no validated signature, lack of information proving my responsibility on this loan. They have failed to respond to the attached letter and sent a template reply without any additional information requested.
Product: Debt collection

Jefferson Capitol has been trying to collect on a debt of {$830.00} that is not owed. I have spoke to countless supervisors and reps and explained that all balances were paid : Phones, services and others in 2010. They have hung this debt that was paid over my head for years for no reason. Ive asked for proof of any last balances from XXXX  and they can not produce anything but keep the account on my credit. Ive sent them many disputes and they LIE and change the date on such an old, old, old matter that they have been lying trying to collect my money on something not owed for over 15 plus years. Again, they LIE and change a date and say that they are the original debt. THERE IS NO DEBT OWED TO THEM OR XXXX!!!! CHECK THE RECORDS!!!! ALSO PLEASE SEE THIS IS ON ALL 3 CREDIT REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C 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. 


Transunion : Inquiries : XXXX XX/XX/2022 XXXX : Inquiries : XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX : Inquiries : XXXX XX/XX/2022
Product: Mortgage

5 years ago I filed for bankruptcy in order to save my primary residence. At the time, my loan was by XXXX mortgage company but they 've sold the loan to multiple mortgage companies since. Now it is being serviced by NationStar. I completed my bankruptcy requirement and repaid everything stipulated by my bankruptcy agreement. So it has been discharged and I am now officially out of bankruptcy. However, when I first filed the bankruptcy 5 years ago, the agreement was that I would pay {$1300.00} ( principal + interest + escrowed taxes & insurance ) as regular monthly mortgage payments to the bank, PLUS, $ XXXX monthly to the bankruptcy trustee to cover everything I had in arrears ( everything that accumulated from my mortgage company, i.e, back-mortgage payments etc. ) In other words, the trustee payment covered everything the mortgage company said I accumulated while in arrears before filing bankruptcy. 
During my bankruptcy, the mortgage company neglected to pay my property taxes, even though it was part of monthly payment of {$1300.00}. They even tried to not pay my insurance. After arguing with them back and forth they then began paying the insurance, but still not the property taxes. As a result, the XXXX sued me on multiple occasions for non payment of property taxes. I explained to them that my taxes are included in my monthly payments to my mortgage company and they should have been paying the taxes but have neglected to do so. The XXXX attoney 's XXXX XXXX XXXX informed me that that was not the city 's concern and I had to pay the taxes. So, I entered an agreement with the city and paid approximately {$5000.00}? ( estimated ) over the corse of about a year and half but did not pay off the entire amount. I got a stay in payment because XXXX attorney found out that I was actually in bankruptcy. So, at that point, not only was I paying the mortgage company principal, interest, taxes and insurance in my monthly payment, The trustee was ALSO paying the mortgage company AND I was paying XXXX ( because the mortgage company refused to pay. ) For the entire 5 years, I had tried to have the mortgage company explain to me why the refuse to pay my property taxes even though I pay it every month in mortgage AND the my trustee payment covered everyhing that they claimed I owed them. I got the run around for 5 years. I XXXX of last year, Nationastar finally ( and out of the blue ) decides to pay my property tax balance. However, as of XXXX XXXX, 2015 ( mind you, I am no longer in bankruptcy, I 've paid everything and my bankruptcy is officially discharged, and I 've made every monthly mortgage payment to date ). All of a sudden, as of XXXX XXXX, 2015, NationaStar has decided to raise my mortgage by {$540.00}. So now, instead of paying {$1300.00}, They now say my monthy payment is {$1800.00}. They have given no reason why they 've raised it. I am on a fixed rate mortgage and has always been on a fixed rate mortgage since bankruptcy and Nationstar has decided to raise it because they can. Everytime I call to speak with them, they are rude, hostile and sometimes even hang up the phone. PLEASE HELP ME.