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

In XX/XX/XXXX Nationstar demanded our mortgage payment. We disputed this since the company originated the loan was since put into bankruptcy by the Federal Govenment for fraud. We demand to see contract under FDCPA and they fail to provide oirginal contract for our review that said we must pay them. Subsequently, they begun foreclosure proceeding and we defended by starting a suit in federal court ( XX/XX/XXXX ) and by Nevada 's Mediation Program. At this point all colllection activity should have been stopped according to the FDPCA. In XX/XX/XXXX we filed our law suit in the Federal Court & In XX/XX/XXXX, the Nevada Foreclosure Mediation Program determined that Nationstar had no right to forecluse lack of proper documents. IN XX/XX/XXXX, the Federal Case was dismissed for diversity issue and I file case in State Court in XX/XX/XXXX after Nationstar begun foreclosure proceedings again and we also while case was pending in State Court went through a second Mediation Program. Because of rules changes, Nationstar didn't need proper documents and we were not allowed to challenge the document presented by Nationstar and they were allowed to foreclose even though we had a default judgment for failing to respond in a timely manner in State Court. However, in XX/XX/XXXX, the State Court Judge erroneous dismissed our case based on improper pleadings by Nationstar 's Attorney  that had nothing to do with what we alleged in our suit. Seeing that getting a fair trial wasn't possible by the Judge 's action we decided to pursue a modification through NACA and receive a trial approval from Nationstar in XX/XX/XXXX. Since then, we have not missed one payment or we haven't been late at all not one time. We completed the trial period as scheduled and modification became effective XX/XX/XXXX. After all this, Nationstar now Mr.Cooper went back and reported us late with all credit reporting agencies beginning from XX/XX/XXXX until XX/XX/XXXX. This is unfair and unlawful in accordance with the FDCPA 15 USC 1692. Once a debt is disputed, all collections activites must stop until verification is provided. Proper verification was never provided to us. I believe in some of their modification paperwork they force you to accept these late payments of risk not getting the modification. If need, I will send court documents.
Product: Student loan

I am on income driven repayment plan, and is set for autopay. During this period I would make excess payment hoping it will be applied to my principal, but instead my provider kept on pushing the due date. Right now I am on paid ahead status according to them. When this came to my attention I tried contacting themseveral times through email requesting them to reallocate my excess payment to my principal with the highest interest instead of pushing my due date. They wo n't do it stating the payment has already been applied even though I do n't see any changes on my principal. I want CFPB help me resolve this issue. I feel I have the right to make the decision where my money is applied. Great lakes is my provider
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following hard inquiries. I did not authorize any of it. I attempted a few times to remove it with the credit bureaus but they wanted me to file for an official legal document. 

1 - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Inquiry date : XX/XX/ 2021 2 - XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Inquiry date : XXXX XXXX, 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

ASF Acceptance Llc has an account that was fraudulently obtain in my name in the amount of {$11000.00}. I have reached out to the above mention company for several years upon being aware that I was a victim of fraud. I have emailed supporting documents, I would also like for this to be removed from all three credit report bureaus.
Product: Debt collection

alleged debt was from a landlord demanding 4 months rent for me vacating the apartment before lease had expired. I was declared XXXX by the new jersey XXXX XXXX when I vacated pursuant to nj XXXX XXXX I had remedy at the time this purported debt occurred. I did not have the XXXX at the time the debt was created to enter into a debt. I also stand by XXXX XXXX XXXX a debtor is insolvent if the sum of the debtors debts is greater than all of the debtors assets at a fair valuation. All this was explained to the debt collector however upon deaf ears. The attorneys response was to borrow the money which I deemed totally inapropriate.I signed the agreement By : authorized representative and secured my rights pursuant to XXXX XXXX until I was able to do my research and due diligence in this matter.It is my contention that the alleged creditor acted unconscionably ( unfairly ) in this matter. Upon speaking with the alleged creditor he said the matter was out of his hands and I should speak with the debt collector. My contention the debt was sold. Its my understanding once a debt is sold it is extinquished. I attempted to speak with the debt collector regarding my financial situation at the time XXXX benefits, food stamp and phone benefit program but to no avail. I also offered my social security number to help verify any assets, or banking records to confirm my present financial condition again no assistance or response.When I agreed to the credit contract I could not afford to repay and the creditor knew this. I have however stood in honor and have paid what im able too under the most extraneous conditions. It is also my contention that the debt collector is a third party interloper on this matter with no lawful standing. Nor are they a bona fide party to any contract in which I am also a party, an agent of a bona fide party to any contractin which I am also a party, a holder in due course of any debt to which I am obligated or has shown evidence of the validity of the original contract, and that their claim is or was fraudulent.They also have not display a license or bond Showing that they are a bona fide agent, registered with the state which they must produce. I also challenge their authority to use my title/trust name in their correspondence. The Markind Law Group made a claim against my estate in which they are not the superior title holder. I am the holder in due course, they do not have a superior claim.When challenged on this aspect of their claim again vagueness and a lack of a coherent, competent response. I also contend that the alleged debt was never assessed under penalty and perjury, or verified under oath thus not a true bill in commerce.I dclare that I do not nor did I ever act as surety for the en legis artificial title. A maxim of law clearly states " XXXX XXXX XXXX XXXX '' Dissimilar things ought not be joined.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I receive an alert stating I had applied for a line of credit through XXXX  XXXX bank I didnt apply for any credit this is fraudulent I reached out to Experian and also XXXX XXXXXXXX bank. This attempt to get credit is fraudulent. I did not authorize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX has reported inaccurate information on credit report which are charged off. That is personal income and should not be reporting. Experian has a balance of XXXX balance and XXXX XXXX XXXX balance. This is inaccurate information on my credit report. Also personal income, which should not be reported.
Product: Credit reporting or other personal consumer reports

Credit card company reported previous balance to credit reporting agency instead of correct balance that reflect new statement balance of {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent collection on my credit report. MS Services LLC account number XXXX for {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX BANK XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

There was an instance where my friend changed their number and Zelle didnt update their name. I wasnt aware and sent money to surprise them for their birthday. The number had already been attached to a new Zelle account. The new owner refused to send my money back and Zelle was just as unhelpful.
Product: Debt collection

I added my daughter to my XXXX Insurance Policy and was told an agreed amount and which I paid. Then each month the price kept changing and going up. So I took my business to another insurance company. Before leaving XXXX I explained to the customer service rep why I was leaving due to the cost kept changing and I lost trust and faith in their company. The customer service agent looked into the matter and told me that he saw where the cost kept changing and apologized for the what had happened to me. I left with the impression that I had a XXXX balance and all was ok. It wasn't until I got a notification saying there was a collection on my credit report. 
I tried looking to get information and was limited in who to call. I researched and found the information needed. I tried calling XXXX but as soon as I put my information in the line hangs up and redirect me to automation line. I called the collection company to dispute the bill and refuse payment and have not heard anything since about any investigation findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX builder credit They unlawfully kept my account open after I requested it be closed. I had another account with them that was closed good standing. So when they said I had a balance on credit card I knew straitaway it was fraudulent because I never purchased anything. They also had so many different balances first they said I owed {$17.00} then it went to something I purchased ( I never used card ) and never late my account was supposed to be closed XX/XX/2022 after I realized it was open still. So they did remove the balance I didnt owe because it was fraudulent, but this company still havent removed the inaccurate late reporting on my account which is XXXX  they have me as I was 60 days late never and they were supposed to have my account closed. They also sent me a check of {$47.00} saying I overpaid ( and removed the fraudulent charges but never removed the inaccurate late payment reported on my account. Im requesting that the inaccurate late reporting be removed. I was never late. The account was supposed to be closed. Its closed now. But they need to finish their job and get those late payments off my credit profile or Im seeking a lawsuit against self credit builder. Its sad because its a credit ( secured ) card that is promoted everywhere so you wouldnt think this would happen. Please fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been A victim of identity theft!! Ive sent numerous ftc reports to both XXXX & Equifax. The both have ignored my request per fcra section XXXX which states fraudulent accounts must be blocked within 4 days. Both Equifax and XXXX responds with they cant read my paper work submitted. Which is untrue. XXXX has blocked information but the other two keeps saying its been verified. How is it being verified. Im not receiving updated credit reports via us mail.. 
Fraudulent Accounts 1. XXXX XXXX {$12000.00} acct # reported XX/XX/XXXX opened XX/XX/XXXX XXXX 2. XXXX XXXX XXXX {$680.00} acct # XXXX reported XX/XX/XXXX opened XX/XX/XXXX 3. XXXX XXXX {$500.00} 4. XXXX XXXX {$5100.00} 5. XXXX XXXX acct # XXXX reported XX/XX/XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( Never lived at this address ) Please SEE POLICE REPORT & FTC report! 
I will fill a complete with FCRA and get an attorney because Im being ignored and its a violation of FCRA
Product: Credit card or prepaid card

Received a credit card from XXXX XXXX XXXX, 2021, that I or my wife never applied for. Called the company to cancel when I noticed that it was on my credit report during a routine check of the report. Their phone menu has no selection to speak with a customer service rep. Just punched any number to get to a live body. My home phone not listed in their system. Confirmed street address but would not provide last for of SSN as did not want to provide personal information. Told them to provide what was on file and I would confirm. They hung up on me. 

The card was issued by Comenity Bank but could not find any info on how to contact bank directly. 

I want this card cancelled.
Product: Debt collection

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX  on XXXX, XXXX under the account number ( private ), an credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/year> under the account number ( private ), a Credit Card account opened at XXXX XXXX on XXXX XXXX under the account number ( private ), and a credit card account opened at XXXX XXXX  on XX/XX/year> with a balance of $ ( private ) and a credit card account with XXXX XXXX XXXX opened XX/XX/year> under the account number ( private ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with credit reporting. See attach.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending Certified Mail, Return Receipt Requested complaints to XXXX XXXX and the Small Business Administration that there were unauthorized credit inquiries made by their organizations on my TransUnion, XXXX, and XXXX  credit files, I received form letter responses and no action was taken. 

I then contacted TransUnion, XXXX, and XXXX  regarding unauthorized Credit Inquiries made by XXXX XXXX and the Small Business Association, and requested these unauthorized inquiries be removed. Again, I received form letter responses with no action taken or no response at all. 

I informed all the above parties that I wanted to see my written authorization granting them the right to make a credit inquiries, and no corrective action was taken.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

XXXX stated in writing dated XX/XX/2023 that they were unable to validate my claim # XXXX for the following reasons YOU ARE ACTIVELY USING THE ACCOUNT BY MAKING DEPOSITS AND PERFORMING TRANSACTIONS. This statement XXXX has stated is not accurate.I demand method of verification showing I XXXX XXXX the consumer ACTIVELY USING THE ACCOUNT BY MAKING DEPOSITS AND PERFORMING TRANSACTIONS.The phrase YOU ARE ACTIVELY defines is happening right now or because of conscious effort, or a little of both. XXXX XXXX XXXX XXXX. Chexsystems did not allow me the consumer XXXX XXXX to challenge XXXX statements of the inaccurate account to be reported.This action is in no FAIRNESS to I the consumer XXXX XXXX.I find Chexsystems and XXXX in violation of THE FAIR CREDIT REPORTING ACT 15 USC 1681. Act 15 USC 1681 promotes ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION. XXXX also stated ACCOUNT STATEMENTS WERE SENT TO YOUR ADDRESS OF RECORD. I XXXX XXXX never received any statements from XXXX to my address. I also demand proof of mail delivery meaning certified mail and signature from me the consumer XXXX XXXX receiving statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 4 days I have been calling company to log into my account. The login continue to say unable to login. Spoke to agents for the past 4 days and said problem is fix to get me off the phone. Still cant get in so I can go over report to use my VA loan to purchase a house. Unable to renew password. No help from agents
Product: Credit reporting or other personal consumer reports

Accounts linked to identity theft remain on my consumer report despite my prior notification. I never authorized these entries, and their continued presence violates federal identity theft protection laws. Enclosed are copies of my social security card and driver 's license for identity verification. You must block and delete these fraudulent accounts from my consumer report within 4 business days.
Product: Credit reporting or other personal consumer reports

I need your help to address the incorrect account that is appearing on my credit report. This issue has affected my reputation as a customer, and I am asking for your support. Please remove these accounts as they have been inaccurately and negatively reported. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX BANK XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment that is inaccurately reported on my credit report. I have carefully reviewed my payment history and have confirmed that this late payment entry is erroneous. 

As per the Fair Credit Reporting Act, I request that you investigate this matter and remove the inaccurate late payment from my credit report promptly. This erroneous information is unjustly damaging my creditworthiness and hindering my ability to access favorable credit terms.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is continuing to share my information even after notifying them that I opt out of doing so. XXXX XXXX XXXX and Transunion both share a mutual financial relationship due to Transunion making a profit off of the sell of my nonpublic financial information being supplied to them by XXXX XXXX XXXX. Since this is my financial information they are sharing both were obligated by federal law to provide me with opt out notices in a timely manner to ensure I had the right to say no to my information not being shared. This breach of duty has caused me significant harm seeing that my information could have been potentially obtained by breaches. Furthermore I am entitled to some of the proceeds from the sell of my information as it is my nonpublic information and m name which is my intellectual property that you both are misusing and could face damages for.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app. 
Due to inadequate customer service and unfair practices which violates the CFPA specifically cash app failed to take timely and effective measures to prevent and address fraud on the platform leaving my account vulnerable These actions have caused financial lose and has cause a significant inconvenience I seek the proper redress from this
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app block inc, due to inadequate costumer service and unfair practices witch violate the customer financial production act cfpa. specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirement under the electronic fund transfer act EFTA and regulation E,. these actions have caused significant inconvenience and financial loss and i seek appropriate redress of these violations.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report referenced below, as they are the result of a data breach or fraud. I demand verifiable proof, including a copy of my signature or electronic signature, for any unauthorized inquiries. 

This letter is being sent directly by me, not through a third party, and I request that you review it carefully. I never authorized these actions, and their reporting constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 605B Block of information resulting from a Data Breach or Fraud ( 15 U.S.C. 1681c-2 ) FCRA Section 604 Permissible purposes of consumer reports ( 15 U.S.C. 1681b ) I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts or inquiries, they are inaccurate and must be classified as the result of a data breach or unauthorized reporting by creditors and/or third-party data furnishers. 

Under the FCRA, XXXX is required to investigate these disputed items and take appropriate action, including deletion or blocking, within four business days of receiving this letter, as outlined in FCR

A 605B ( a ). I have enclosed copies of the relevant FCRA sections for reference. Please acknowledge receipt of this dispute and provide a written response detailing the corrective actions taken. Failure to address these disputed items in compliance with the FCRA will leave me no choice but to pursue further action to protect my rights.