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

I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC XXXX Accounts- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting twice XXXX XXXX acc. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keep saying they verified my report and saying it accurate which is a lie my credit specialist even point out the inaccuracies on my report and told me it has to come off my report. Since its keep being verified can I have the original purchase agreement to show u are the legal owner of this debt please include all terms and conditions thats included in purchase agreement thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Fairway Mortgage pulled my credit and my wife 's credit ( hard inquiry ) without authorization.

I started talking with Fairway Mortgage to discuss a loan to build an addition on my home. I provided basic information to Fairway, but I did not give permission on the online form nor did I give permission over the phone. I told the agent on the phone multiple times that I didn't want my credit pulled until the time came. The plan was to pull the credit once the plans/designs for the home addition were completed and ready to process the loan, and the agent knew this. 

Fairway Mortgage then pulled my credit and my wife 's credit ( hard inquiry ) without authorization. The agent I was working with did not take responsibility and their supervisor then told me they can't remove the hard inquiry from my credit report and it was my responsibility to contact the credit bureau and dispute it directly with them by letter or by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX found that MRS Associates claimed I have a delinquent loan with XXXX  for {$120.00} XXXX checked all 3 credit unions- found this was on my credit scores with XXXX and XXXX and disputed both claims given the following : I had not received written proof of this debt from either XXXX  or MRS Associates. My XXXX  account did not reflect this money owed. 

XXXX attempted contacting MRS Associates , was put on hold and kicked off the line multiple times XXXX XXXX deleted it from my credit score as it found I was not responsible for the debt/it was not correct XXXX XXXX found I owed money to MRS Associates XXXX 

XXXX Called MRS Associates XXXX They said they did not get notice that XXXX removed this from my credit report. They said they would dispute it with XXXX, and would send written proof should XXXX find I owe this money XXXX Called XXXX- determined it was an error on their part due to my moving in XXXX, and their not transferring information about equipment. 

XXXX Filed complaint with CFPB. As of this date I have still not received written proof from either XXXX  or MRS associates that I owe this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. 
I found out later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact I had an XXXX  credit score. Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports and found some incorrect information on them. So I sent in a request to have this information removed but I have not received a response yet. I'm not sure what else to do since I think I have done everything I am supposed to do and yet I have not received any information about the status of my requests. When I tracked my information it shows that XXXX received my request on XXXX, Experian XXXX, and XXXX received my request on XXXX. I have not received my credit reports from XXXX  or XXXX XXXX XXXX ( even though I have requested my consumer file at least 3 times since XX/XX/2020 )
Product: Credit card or prepaid card

Chase persists in locking me out from accessing my account on-line. I have spent over an hour on two successive days for this to be corrected ; and have been transferred from person to person with no results of allowing me access to my credit card or its information.
Product: Debt collection

Notice for Validation of Debts Pursuant 12 CFR 1006.34 This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34 Your Truly XXXX, XXXX ( All Rights reserved )
Product: Money transfer, virtual currency, or money service

PAYPAL CLOSE MY ACCOUNT BECOUSE I REQUEST  TO WITHDRAW MY FUNDS.

PAYPAL PRETEND HOLD MY MONEY BY 180 DAYS JUST BECOUSE I TRY TO TAKE OUT.

I HAVE MY BABY REALLY BAD AT THE HOSPITAL AND I TRY TO  GET HELP FROM PAYPAL FOR WITHDRAW MY MONEY , INTEAD GET HELP , PAYPAL JUST BLOCKE ME FOREVER.
WHY PAYPAL PLAY WITH PEOPLE MONEY IN THAT WAY WITHOUT KNOW SOMETIMES THE PEOPLE PROBLEMS.

THE MISION OF PAYPAL IS HELP PEOPLE OR RESOLVE PROBLEM WHEN WE HAVE ISSUE , BUT NOW THIS COMPANY MISSION IS JUST HOLD  ALL MONEY THAT THEY CAN.

I REALLY FELL FRUSTATE WITH THIS COMPANY.

I WANT JUST MY MONEY BECOUSE MY BABY IS REALLY BAD AND I NEED TO BUY MEDICE , .
 
I HOPE PAYPAL RELEASE MY MONEY BECOUSE IS NOT MY FAULT THAT SYSTEM  JUST BLOCKE ME BECOUSE I TRY TO WITHDRAW MY FUNDS.


MY EMAIL IS XXXX  Id. de referencia: XXXX
Product: Mortgage

In XX/XX/XXXX, received a supplemental tax notice that will need to be paid. Called Mr.Cooper and told them about the notice. They confirmed that since it is a new construction and they have not paid any taxes for the whole year as it is new construction they will pay the supplemental tax bill and asked to forward the notice to mrcoopet tax dept ( sent on XX/XX/XXXX ). Received the actual bill from the town in XX/XX/XXXX and again called Mr.Cooper and told them about it. They told they will pay it and to send the copy of the bill to the tax team. The copy was emailed to their tax team on XX/XX/XXXX. Called again in XX/XX/XXXX first week to find the status of the payment and was told it will get paid on XX/XX/XXXX ( though it was due XX/XX/XXXX ) and was told mr Cooper will pay any addnl fines. Called again on XX/XX/XXXX to get the status as the bill was not paid and was told that Mr.Cooper will not pay the bill and will need to analyze it further. This has caused a delay in paying the supplemental tax bill and would put the responsibility on Mr.Cooper to pay it and for all delays. Have not seen a servicer being so irresponsible and not providing correct details.
Product: Credit reporting or other personal consumer reports

This account XXXX was charged off and settled with XXXX XXXX XXXX, This debt is no longer collectible, therefore I demand that you remove this account from all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and I was shocked to have learned that I have been a victim of identity theft. I have recovered several accounts that were opened by me. I need this to be rectified immediately, this is affecting my financial creditability, I'm unbale to promote at my job and I'm constantly being denied credit! I'm depressed and at my lowest .... I don't know how much more I can take! Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FILED ALL THE PROPER REPORTS AND PAPERWORK. THIS IS MY OFFICIAL DISPUTE INFORMING THIS AGENCY OF THESE FALSE INQUIRIES AND ACCOUNTS THAT BEENPLACED ON MY CREDIT FILE. UNDER THE FCRA ALL FALSE INFORMATION IS TO BE REMOVED AND WITH THAT SAID I RESPECTFULLY ASK FOR THESE FALSE AND FRAUDULENT ACCOUNTS AND INQUIRIES BE REMOVED.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX which was over 8 months ago regarding unauthorized inquiries on my Transunion report. An FTC report was already submitted. Please see the attached dispute letter which is dated, and time stamped and remove the following authorized inquiries from my credit report within 7 days : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Why I can get to refi my home I have over 35 % equity and income to qualify, because I am XXXX and XXXX years old, On XXXX XXXX, 2016 I submitted my application to refinance my home, I received email from XXXX XXXX ( XXXX ) she will be my loan Originator ( NMLS XXXX ) after lucking the interest rate at 3.625 % that it will expired XXXX/XXXX/2016 ( 60 days from lucking date ) and submitting all required document including the appraisal fee of {$490.00} and WAS ORDERED ON XXXX/XXXX/2016 and it will be return after loan is funded, flood certificate, linear Borrower Authorization ( XXXX/XXXX/16 ), Title was ordered on XXXX/XXXX/16, on XXXX/XXXX/16 after talking XXXX XXXX and getting an email that " my application is completed and waiting for processing about 10-12 business day away for processing '', on XXXX/XXXX/16 emailed from XXXX XXXX ( XXXX said XXXX moving into different role and XXXX taking over, on XXXX, I asked XXXX if the loan is not funded by XXXX the interest rate locking will expired on XXXX she reply " we will extend it at no cost to you '' but my rate did expired and was not lock, on XXXX/XXXX/16, XXXX XXXX XXXX ( XXXX ) Processor NMLS XXXX, emailed me that " your file assigned to me for processing loan assigned ", on XXXX XXXX XXXX my bank statement and taxes again so I emailed her except my SSA income for my daughters that Can not be down loaded from social security administrator so I called social security and it will take few days to get them before I received them on XXXX/XXXX/16 I received email from AmeriSave that '' after reviewing your application we closed your file for incompleteness or we are unable to approve your loan '' so emailed XXXX and she emailed me on XXXX/XXXX/2016, " I am not sure why you receive a decline notice by email today, I am looking into the issue right now, I told the processor I was still waiting on additional income from you BUT THE LOAN SHOULD NOT HAVE BEEN DECLINED and I apologize for confusion '' and XXXX I received email that we receive you appraisal that appraiser ( XXXX XXXX ) sent on XXXX/XXXX/2016, then on XXXX/XXXX/2016 I received another email that my application was closed according to XXXX, " creditor must notify applicant of their lending decision WITHIN 30 DAYS OF FILING OF A COMPLETE application and can not be discriminated of their age '', XXXX/XXXX/16 I filed my application I do n't think they even look at my application until XXXX and AmeriSave wasted 3 months and {$490.00} and emailing me that my application is incomplete, please login to my file at AmeriSave, user ID is XXXX and password is XXXX I need my {$490.00} back because no lender accept the appraisal I was submitted and if the interest rate is higher 3.625 % they must pay the discount point and processor need to be audit it the review is very bad too. 
Thanks
Product: Credit card or prepaid card

Bank of America continues to engage in malicious and unfair business practices that harm the consumer. I have a checking account and Credit Card account with BofA. My credit card payment of {$440.00} was due on XX/XX/XXXX. On XX/XX/XXXX, I went into their mobile App, and clicked Pay. I entered the amount of {$440.00} which was the minimum due, and selected today 's date of XX/XX/XXXX. I submitted and received a confirmation. I checked my account later and the funds had not been taken from my BofA Checking Account nor did the Credit Card showing a pending payment. I have had issues with BofA handling payments in the past so this made me nervous. I went back into the BofA App into their 'Bill Pay ' section which showed a 'scheduled " payment of {$440.00} from my Checking Account to my Credit Card account for XX/XX/XXXX. Since it was not sent, and neither my Checking Account nor my Credit Card account showed the pending transaction, I cancelled the scheduled payment of {$440.00} for XX/XX/XXXX on XX/XX/XXXX and received confirmation on-screen that the transaction was cancelled. I then went into the BofA App and went to Transfers, and selected Make Transfer. I selected to transfer {$440.00} from my Checking to my Credit Card on XX/XX/XXXX and received on-screen confirmation of the transaction. I checked my account and both my checking account and credit card account now showed the pending payment. I checked the Bill Pay section again and it showed there were no other Bill Payments scheduled and no pending transfers. I checked my account on XX/XX/XXXX to see that my {$440.00} transfer was pending along with another {$440.00} Bill Payment which was previously cancelled. I've spoken with BofA and they are not willing to do anything when the transaction is 'pending. ' For reference, my checking account had exactly {$440.00} in it and somehow BofA thought they would take {$880.00} leaving my account overdrawn by {$440.00} and charge me a {$10.00} overdraft fee so the account balance is now - {$450.00}. This is probably the 6th time I have had this situation occur with Bank of America. They continue to take multiple payments that are either not authorized, are duplicates, or previously cancelled transactions. They offer no support and refuse to claim responsibility for these mistakes.
Product: Debt collection

Jeffersons capital has been threatening me with a lawsuit for a vehicle I no longer have and was repoed back in 2018 I believe. They are trying to sue me for the remaining balance and the vehicle is no longer in my possession. I had no idea that I would be responsible for a vehicle I no longer have. This has caused an immense amount of stress and paranoia for me.Code UCC 9-613
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX withXX/XX/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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

There was unauthorized charges made to my account, also money being withdrawn from my account. Tried to get in contact with cash app customer service but could never get thru. I emailed cash app support and explained to them about money being withdrawn from my acct and also about the unauthorized charges being made. They emailed me back and said they would open up an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's FAQ on their site states that the customer can call in and request that a corrected credit report be resent to a recent creditor 's inquiry ; however, when I called in ( XXXX ) I was told this is not possible and that the inquirer would have to inquire again resulting in an additional hard inquiry and contrary to the website FAQ which I read to the agent and stated this contrasts with the information I am being told. 

Quote from : https : //www.experian.com/XXXX If you have applied for credit within the last six months ( the past 12 months for residents of Colorado, Maryland or New York ) , you can request that an updated copy of the report be sent to those creditors. You can also request that Experian send an updated copy to any employer who has requested your report within the last two years. 

In order to make your request, call the toll-free telephone number included with your personal credit report, or mail your request to the address listed on your personal report. Please be specific with regard to which creditors you are requesting updates be sent. Or, visit Experians Fraud Center for  more information.
Product: Money transfer, virtual currency, or money service

I hadn't been asked if my money 's was going to the right person.
Product: Credit card

Citi Bank claims I have debt to pay and refuses to accept my claim on fraud on the account. I had a XXXX dollar credit limt and I some how owe XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse listed on my credit report asking if they report bankruptcies to the credit bureaus. I received a letter back stating that they do not report any bankruptcies to any credit bureaus. 

At the same time, I sent a letter to Experian explaining to them that I am the victim of identity theft, and asked them to verify the accuracy of the bankruptcy ( Type of Account : BANKRUPTCY XXXX XXXX XXXX CALIFORNIA - Case Number : XXXX ) that is listed on my credit report, as I do not recognize the information. Last month, I received a letter back from Experian stating that they verified the bankruptcy information that is displaying on my credit report. 

I demand to know how Experian verified the bankruptcy as 100 % accurate and as belonging to me. They never did a fair investigation according to the 15 USC 1681 to ensure that the information reporting truly belongs to me.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This inaccurate information reporting on my credit report is negatively impacting my ability to get a job and provide for my children.

I am attaching the correspondence I had with Experian and the courthouse, as well as copies of my previous and current credit reports. I am also attaching the correspondence I received back from the Courthouse listed on my credit report, and the tracking information from the dates I wrote to Experian asking them to investigate the Bankruptcy information on my credit report. I am also attaching copies of my identity so that Experian can identify me fully as the person disputing this information.