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

In accordance with the Fair Credit Reporting act XXXX  account # XXXX ( XXXX XXXX ), has violated my rights. 
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 an account without my written instructions.

15 USC 1681e ( b ) ensuring maximum possible accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is showing on my report incorrectly and I have made numerous attempts to rectify, unfortunately to no avail. 

Additionally, my credit report reflects serious delinquency and my payment history is 100 %. My full credit report shows late payments ( 90 days ) with my Nelnet account in XX/XX/XXXX. However, from XX/XX/XXXX thru XX/XX/XXXX my status shows as OK. My status returns to OK in XX/XX/XXXX and shows a NR status until XXXX of XXXX when it returns to OK. My student loans were placed in forbearance on several occasions from XX/XX/XXXX thru XX/XX/XXXX due to my financial hardship due to my medical condition. Once my health improved and I contacted Nelnet to resume payments I was informed of the late payments and once my case was reviewed I was told that all negative reports would be corrected. The fact my account showed ok in XX/XX/XXXX and 90 days late in XX/XX/XXXX is a clear indication of incorrect reporting from Nelnet. I have been trying to resolve this issue for YEARS and really hope this agency can facilitate a resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had an account with discover bank yet their reporting on my report for a third time after ive disputed this account XXXX other times before. I am a victim of identity theft and my personal information has been used to fraudulently open this account without my authorization and i demand that it be removed and deleted permanently from my credit profile immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. 
I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit, and the Police Report for this case. Please investigate these matters and block the disputed item as soon as possible.
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 protected consumer rightist privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer fo any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 US C 1681c. ( a ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my accounts were properly investigated Complaint ID : XXXX Complaint ID : XXXX Complaint ID : XXXX but how is this possible if the opening date is inaccurate, and the date last reported is not accurate. This is grounds for removal, that also violated my rights under 15 U.S.C 1681 Section 602 A. States I have a 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. 
Also the Credit Bureaus took more than 30 days to complete my investigation.
Product: Credit reporting or other personal consumer reports

Request for Assistance with Fraudulent Account Dispute I have been disputing a fraudulent account with Experian and XXXX XXXX for several months without any resolution. Despite my efforts, including filing a police report, neither Experian nor XXXX XXXX has been willing to assist me in resolving this matter. Someone has stolen my information to obtain this account, and my repeated attempts to address this issue with both entities have been ignored. I have reached out to them at least three times with no success. 

Experian actually had the nerve to write me and tell me to that I needed to contact XXXX XXXX. again. They are simply refusing to help me. They never even sent me any info on how they claimed to have verified this theft.. I have also uploaded Experians dispute results where they claimed to have verified this theft is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an ongoing problem. I will continue to submit complaints until enforced. XXXX negatively reported on my credit additional balance info, see attachments. Additionally, they sent me a check for {$80.00} for some admission of error? I have sent back the check and letter as there is no longer a enforceable relationship between XXXX, the note / mortgage holder, and myself. 

Previously submitted complaint from XXXX : XXXX. Does CFPB have any authority or influence in stopping the harassment, false credit reporting, fraud, etc. Can you enforce damages and fines? XXXX XXXX XXXX is now reporting again on my credit report as of this submission XX/XX/XXXX. I have won a court decision against XXXX XXXX XXXX and I would like fines and damages against them as they continue to harass me. Important notes from previous complaint from XX/XX/XXXX : Per a 2nd Judicial District Court of New Mexico Court Order, the order states the " mortgage and note are  unenforceable. '' Case is closed. * XX/XX/XXXX Denied Motion ; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal * XX/XX/XXXX Case Dismissed With Prejudice ; Order On Statute Of Limitations Defense XXXX XXXX XXXX
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 my 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting inaccurate information on my credit report from XXXX XXXX, account number XXXX. I have not only requested for the obsolete account to be remove but I have also requested on several occasions for both credit bureaus to provide me the format in which they disputed and who verified the information from XXXX XXXXXXXX as I know this information is inaccurate as well as they are reporting incorrect payment history, This account has been closed for several years and is eligible for deletion but yet XXXX and Transunion has yet to removed from my credit files.
Product: Credit reporting

in 2009 we purchased this home The former owner XXXX XXXX ran a business from it. XXXX, XXXX for XXXX years I have received his mail. As of today he still has the business registered to this address under the state of Pa. I have found the business ID on line and researched it. The state refuses to change the address and claims XXXX XXXX XXXX must do that. This year I found a note in my credit report where I would make a consumer statement not under my employment info stating May own and operate a home business. I do not own oroperate any home business and never have
Product: Mortgage

RE : complaint number XXXX Today I received a copy from Nation Star Mortgage showing the fees that I 'm being charged for. First of all in XXXX 2006, my mortgage company was XXXX XXXX XXXX. I filed for bankruptcy on XXXX XXXX, 2006, because I was laid off from my job and was only working part time until I found a new full time job. I did receive a letter from XXXX XXXX XXXX stating that I had 90 days before my home went into foreclosure. I then contacted an attorney and the foreclosure was STOPPED because I filed for bankruptcy. THERE WAS NO SHERIFFS OR ANY OTHER FEES THAT WAS CHARGED WHEN WE WENT TO COURT IN FRONT OF A BANKRUPTCY JUDGE! I can either contact my attorney or the Federal Bankruptcy Court to prove that these fees were NOT REQUESTED BY XXXX XXXX XXXX. These are NEW ADDED FEES that XXXX XXXX and or Nation Star have just added. XXXX XXXX  was n't even the lender of my account in 2006. Why are these new fees coming up after 11 years. I have my bankruptcy discharge papers and I can prove that these added fees were not on my papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I just got off the phone with the lady at XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX when one I know a debt collector doesn't and can't show a license that they have to collect a debt and then when I gave her the acct number which she didn't have she told me that it doesn't matter and that they don't have to follow section 609 of the FCRA which is scary. So they are constantly dinging my credit on an account and amount that they don't have.
Product: Mortgage

I had a mortgage with Citizens Bank with and interest rate of 4.12500 %. I applied to refinance this mortgage to lower my interest rate in XX/XX/XXXX. I provided everything that was requested by XXXX XXXX throught the branch in XXXX XXXX. in late XXXX and XX/XX/XXXX. Every time I called to check on my application, I was told that due to Covid-19, everything was backed up and it would take a little longer. They pulled my credit numerous times lowering my score by 3 points every time. I checked with the manager at the XXXX XXXX branch, I was told that it should not take this long and they would get to the bottom of it. Never heard from them again. I also spoke with XXXX XXXX in the XXXX branch, he too said he would get to the bottom of it and never heard from him again. Them I spoke with XXXX XXXX in XXXX XXXX, she said she would get back to me within 24hrs. Never heard from her again. It seemed that once they contacted XXXX XXXX, the communication was stopped. Finally I recieved a Credit Denial letter on XX/XX/XXXX, almost 1 year later, stating they could not verify my income. This is a lie. There is no reason why they were unable to verify my income with copies of my tax returns and rental agreements. Either they wanted me to keep paying the higher interest rate or I'm being discriminated against for other unknown reasons. Is it because I am XXXX yrs old, white female XXXX XXXX?
Product: Money transfer, virtual currency, or money service

I am filing this complaint regarding an ongoing issue with my Cash App account that began on XX/XX/year>. Here are the details : Initial Problem : On XX/XX/year>, I received an email notice of a {$250.00} deposit into my Cash App account. However, I was unable to open the app on my phone to access my account. 

First Contact with Support : After several unsuccessful attempts to open the app, I contacted Cash App support on XX/XX/year>. A customer support agent advised me to delete and reinstall the app on my phone. They also performed an advanced configuration on my phone, which allowed me to open the app but not access my account. 

Second Attempt to Access Account : On XX/XX/year>, I tried to access my account again, but the app stated it couldn't verify my identification. 

Repeated Attempts : On XX/XX/year>, I made seven attempts to access my account, all unsuccessful. The app then advised me to create a new account and add the profile I couldn't access to my phone. I followed these steps but was still unable to access my account. 

Further Contact with Support : On XX/XX/year>, I contacted Cash App support again, explaining that I had gone through all the necessary steps to access my account. They advised me to order a new debit card for the new account and verify my identity via my driver 's license and a photo submission to Cash App for verification. I completed the verification process and received a text stating my verification was complete. However, when I called support again, the agent informed me that access to the account was denied and my funds would remain inaccessible. 
Escalation and Email Support : I requested the issue be escalated to a manager. The support agent put me on a brief hold and then informed me that I would be contacted via email. On Saturday, XX/XX/year>, I received an email from an AI email support system requesting the same security information I had previously provided to other support agents. I supplied the requested information, including screenshots of Cash App debits and credits from my connected checking account. Despite following the same steps to connect my old account to the new account, I encountered the same issue. 

Throughout this period, Cash App has not provided any effective resolution, leaving me without access to my funds. The total amount of funds I am unable to access is {$250.00}. This situation has caused significant frustration and inconvenience. I am seeking your assistance to resolve this matter and regain access to my funds as soon as possible. 

Thank you for your attention to this matter.
Product: Debt collection

During the beginning of Covid, I broke a lease with my former landlord, XXXX XXXX. 

I contacted them on XX/XX/XXXX and told them that I would be leaving the house on XX/XX/XXXX. 

When I asked them my next steps, they said I would be held to the lease agreement of XXXX months rent. This was approximately {$3600.00}. 

I asked them if I would break that into installments so I could take care of it as quickly as possible. 

They told me that when I left, they would take the amount owed and minus the deposit of {$2500.00} I put down as a deposit and bill me for the rest. 

I was never asked about my situation or if I was impacted by Covid, as I learned they had for others. 

I never heard from XXXX XXXX again. 

In XXXX of XXXX, I received a collection from a collection agency, XXXX, for the amount of {$5500.00}. I immediately asked for a verification of the debt. 

I received a response on XX/XX/XXXX and notice that XXXXXXXX XXXX attempted to charge me for XXXX more months rent, my breaking of the lease charge, and erroneous other charges. 

I sent back within 15 days a rebuttal to the XXXX and XXXX rent being charged since I notified them that I was leaving in XXXX. I also sent detailed responses to the erroneous charges that were on the invoice and the inconsistency in the totals throughout the invoice. When I reviewed their invoice the amount should have been less than {$1200.00}. 

I did not receive a reply. On XX/XX/XXXX, after seeing the information added to my credit report, I sent XXXX a certified letter telling them that I never received a response and that was in violation of the FCRA, specifically, 623 - 15 U.S.C. 1681s-2. I asked them to remove this from my credit report.

When they have called, I have specifically asked for them to provide me their findings to my rebuttal in writing, but still have never received anything. 

This is impacting my financial well-being and I should be protected from having these erroneous charges on my report.
Product: Credit card or prepaid card

Date Purchased - XX/XX/2018. 
Amount- {$570.00} I was scammed by XXXX XXXX, not only was the essay completely wrong, but it was given to me AFTER the due date of the assignment. This completely defeats the purpose of this 'service '. I also told them to cancel the order multiple times in advance and I assumed they stopped all work on it yet they continued all work on it. This is totally unfair and I'm the victim here. One look at their reviews online and you could see that as well. Besides the fake reviews they've planted online, there are many XXXX threads of people who've been scammed. I attached the emails and it should be so obvious that I was the victim just by going over them. Also, when sending the invoice i was promised a delivery by XXXX XXXX on XX/XX/2018. It was delivered after this deadline and was also incorrect. If nothing else, at least see that they violated the billing info contract. 
The merchant did not allow me to refund. I requested a refund multiple times well before the deadline. They gave me blanket responses such as " We'll escalate your concern to one of our admins who has the authority to issue a refund and will get back to you as soon '' when I told them to cancel and refund all work. They kept working without telling me. In addition to this they promised me that " The paper will be done and delivered by your deadline. " which is again false. As you may know, long projects have deadlines. They failed to meet this and also provided sub par work that I DID NOT EVEN USE. That's why this is an invalid purchase. I don't know what else I can provide but I'm struggling to find a reason as to why no one can see that I got scammed. 
Discover and XXXX both were useless, talking about how the charge is valid. Well of course it's authorized by me, but it was not what I ordered nor did it come on time. How is it valid in that regard? Posting on CFPB is my last resort and I can only pray for the best.
Product: Credit reporting or other personal consumer reports

I was an equal part owner of a business with my partner, we opened a joint credit card account. The agent that opened the account, made me the primary owner and my partner only a member under the account when should have been equally part owners. My partner then mishandled the credit card and was unable to pay and made the account delinquent and it was eventually closed. When opening on the account with Chase Bank, the representative, XXXX XXXX, she stated that we will never be personally liable, and it can not affect our personal credit scores. If something were to happen it would only affect us if we chose to open up another credit line in the future under the Business name. Now I see that my credit score has dropped significantly because chase reported the account delinquent and that I owe the full balance, even though I never made one charge, and they are not going after the other party solely or just putting the debt under the business. I spoke to a representative at Chase bank over the phone and informed her of what the agent told me prior, that this would never affect my personal credit score, and this is a mistake, she said that is possible but never gave me any resolutions to investigate it further. I would like this debt permanently removed from all credit bureaus and chase to go after either the business or the person responsible, because I was misled by their agent when opening the account.
Product: Credit reporting or other personal consumer reports

I did not give my concent to have this credit inquiry done on my credit report! Nor did I authorize a credit card to be opened in my name and used!
Product: Mortgage

I've been trying to get a loan modification with my finance company and they continually say that I don't have all the documents so that I will miss the deadline date. They are making it almost impossible for me to get a modification as they also know that I'm on XXXX and need help lowing my interest rate.
Product: Credit reporting

I recently obtained my credit report and noticed several Hard Inquires to companies that I did not authorize. I initially reached out to XXXX and Experien to notify them of the unauthorized access to my personal credit report but was met with little to no assistance. Both CRA kept insisting that I claim that I was a victim of fraud in order to transfer me to the Fraud department. After several attempts, I succumbed to the pressure and had them put a fraud alert on my credit file, which still did not resolve my issue. 

I was advised that Hard inquires can not be disputed through the CRA but through the individual collectors themselves. I then contacted the creditors via phone and certified letter only to be told that they did not have any accounts open and my name, therefore could not provide me a written letter to send to the CRA for deletion. I 'm hoping by filing a complaint here, I would be able to rectify this situation and have those unauthorized inquires removed from my credit file.
Product: Credit reporting or other personal consumer reports

I reported the information incorrect. I also filed a ftc report. spoken the burels and a creditor. XXXX XXXX is reporting last I am up to date so i inaccurately report, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX are identity theft accounts. also have incorrect personal loan for XXXX XXXX . The was identity theft as well still showing as a closed account it should be removed that is an inaccurate report. I have a XXXX XXXX XXXX account open reporting the amount of {$310.00} inaccurate that was also fraud. and Kikoff lending LLC reporting late payments and inaccurate balance.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I was contacted by XXXX XXXX XXXX XXXX fromIntegral Recoveries Inc. It claims to be a collection agency representing the Colorado IRS department and states that I owe state property taxes from 2009. They have contacted me by phone twice in the last 6 months. They can not provide any details other than the amount owed. I 've never received a letter of notice from the IRS. My only communication has been through them.
Product: Credit card or prepaid card

I signed up with Barclay Mastercard with paper statements however somehow I was turned over into paperless statements and never received them thus making me late on payments. I called to resolved it takes them 2 monthly cylces to get caught up making them paperless. I would never intentionally sign up for the paperless statements. These statements went into my spam box.