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

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by TOP FINANCE COMPANY IN
Product: Debt collection

Absolute Resolutions Investments LLC has failed to provide Validation and Title ownership documents Forward Flow Agreements, and Account Level documents requested to provide legal validation and ownership of alleged debt legally. Absolute Resolutions Investments LLCs ' failure to respond and provide rebuttal to affidavit received by their company line by line including the previous requested documents and files has enacted the self executing counterclaim contract which is to be arbitrated by XXXX XXXX XXXX. 


Absolute Resolutions Investments LLC has failed to provide validation, verification, and Account Level Documentation, ownership of account documents as well as Purchase and Sale agreements ; Bill of Sale as well to provide documentation and status of ownership of account. Including Form -B-1 with Notice of disclosures, and Forward Flow Sale agreement of account and ownership status to verify. Account Level Documentation, Tracking numbers, and certified return receipts of delivery confirmation of the documents signed by me prior to reporting to Bureaus, repositories, reports, data, and data bases. Per the guidelines of Regulation F 1006.34.

Pre- Arbitration Notice This is considered official Pre-Arbitration Notice and notice of self executing counterclaim contract to be enacted. From previous notice of dispute 1. 

Any controversy or claim arising out of or relating to this contract, or the breach thereof, shall be settled by arbitration administered by the XXXX XXXX XXXX in accordance with its Commercial Arbitration Rules and judgment on the award rendered by the arbitrator ( s ) may be entered in any court having jurisdiction thereof.
Product: Mortgage

It all started in the summer of XXXX. I was referred to XXXX XXXXXXXX at Hartford Funding. He sent a pre approval letter for in XXXX of XXXX. 

We found XXXX XXXX in XXXX FL in XX/XX/XXXX and planned to sell our home. It didn't, and we decided to go through XXXX for a mortgage and rent our home instead in XXXX of XXXX. The sellers gave us an extension to XX/XX/XXXX. We put down {$5000.00} for a deposit to buy the home. 

The entire month of XXXXXXXX XXXX had all of our documents, and never submitted them to the underwriting. My realtor XXXX ended up getting in touch with XXXX XXXX boss, XXXX XXXX, in order to get things expedited. Now everything ends up being submitted to the underwriters. XXXX was upset. Yet another extension from the sellers. 

The sellers agreed with another {$5000.00}, and we had to agree to forfeit the deposit if the loan didn't go through. I agreed due to the fact that both XXXX  and the supervisor insisted that we would get the loan. 
Ira emailed us a closing disclosure within days of the final closing date of XX/XX/XXXX. 

Then at the last minute XXXX  and XXXX told us we couldn't close due to the investors guidlelines. In order to get our {$10000.00} deposit and {$95.00} for inspection/appraisal that we lost XXXX told me that I should put a lien against the property. I sent the sellers several letters to ask for the money back. They would not return the money. My lawyer said I can't put a lien on the house. 

Coincidentally on XX/XX/XXXX XXXX  sent another pre approval letter for more money than before, after it was too late. He had found a new investor that would approve us, and he asked that I not involve his supervisor. Once again, no loan. Then again in XXXX of XXXX XXXX again sent us a new pre approval letter. Once again, no loans were provided. 

I want my {$10000.00} deposit and {$960.00} appraisal/inspection back. They are not competent, and I would like for the licensing department to be aware of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was provided a report from a background-checking company, on behalf of a potential employer. I was told that my report showed another person 's name, using my social security number. I was notified later that day, by an HR person at the potential employer, about the report, and she sent me a partial copy of the report via e-mail, which showed the other person 's name, address, and birth date. I was told I should contact the Social Security Administration, which I did, via phone. When I called the SSA, a representative told me I needed to file a police report. So I called the police and was told that without a report showing a specific crime was committed, I could not make a report. So I notified the background-checking company that I was getting the runaround from everyone. The person who ran the initial report on me sent me a report via snail mail. When I received it, I found numerous inaccuracies. I saw the person whose social security matched mine, on the report, and she is showing under my social security number since XX/XX/XXXX. She was born in XXXX. I also am showing on the report as having lived at an address from XX/XX/XXXX to XX/XX/XXXX, where I never lived in my life, although this address is showing with my name and social security number. In another part of the report, I am shown with a middle name of XXXX. My middle name is XXXX. I am concerned that this person who is showing with my social security number may be drawing Social Security XXXX using my social security number, which could lessen my retirement benefit. I can't get anyone to take this seriously or to give me accurate or useful advice on what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete immediately PNC BANK has yet to pay INVOICEConsumer Financial Protection Bureau complaints filed by me on XX/XX/XXXX ( case number XXXX ) and XX/XX/XXXX ( case number XXXX ). PNC still has not shown me a receipt of payment For XX/XX/XXXX XXXX not use the EOSCAR system .. PNCs Account payment history is inaccurate and is a reason to DELETE the entire account off of my credit report. attached is PROOF that it is inaccurate. the inaccuracies are HARMING me. I have disputed this multiple times XXXX, XXXX and Pnc still can not prove the alleged payment in XXXX of XXXX, and XXXX of XXXX I have documented proof on The creditors ( PNC ) letterhead stating they never received a payment in XX/XX/XXXX, yet it shows that inaccuracy on my credit report. in XXXX of XXXX I disputed inaccurate information being reported on my credit report by PNC Bank I demanded for them to DELETE IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$270.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Cancelled a transaction and the issuer sent it back to a cancelled card/account, need it to be refunded to an active account Cancelled and was issued a refund XX/XX/2024 XXXX Business days for refund to transfer to cancelled account of XXXX To anticipate and move the refund amount to my new card of XXXX or to even be issued a check to my bank at Chase
Product: Debt collection

I would like this debt to be verified. I do not have a contract with Phoenix financial service in I would this debt to be Verfied
Product: Credit reporting or other personal consumer reports

As filed in previous complaint XXXX date of XX/XX/XXXX with the CFPB. NAVY FEDERAL CREDIT UNION charged off a debt in the amount of ( {$10000.00} ) reported on my consumer reports back in XXXX. NAVY FEDERAL CREDIT UNION needs o send me my copy B of the 1099c they filed to charge off this debt! According to the IRS PUBLICATION charge-off is considered income. INCOME can not be reported on a consumer credit report! 

Also NAVY FEDERAL IS In violation of multiple consumer laws and Privacy Acts and in Breach of Contract. In there agreement NAVY FEDERAL states that they only share information with there affiliates. NAVY FEDERAL has given my personal private information to multiple collection agencies such as XXXX XXXX XXXX, and XXXX and mltiple credit agencies still reporting this as an attempt to collect a debt!
Product: Credit reporting or other personal consumer reports

I want to start off by saying that I'm not admitting to this debt. I would like to do business with your company if you agree to the following terms. ( 1 ). Remove the debt above from all three credit bureaus within 10days of payment. ( 2 ). Send me a letter stating that the account above will be deleted. ( 3 ). Stop all debt collection activities. If you agree to the above terms, I will pay your company the full balance of this debt as soon as I receive this signed copy back from an authorized representative with the power to make this deal. Failure to delete : I just want to ascertain that you honor your side of the agreement. If the item is not deleted as specified in this agreement, I will be entitled to {$500.00} compensation for breach of contract
Product: Credit card

XX/XX/2023 : Online to pay Macy 's bill and noticed a new credit card was opened and the charges were transferred to this new account. Called customer services and was informed that Macy 's had replaced the legacy credit card with a new one. I had not received any correspondence regarding replacing any legacy card nor did I receive the new credit card via mail. The representative stated that he could now send me the new credit card now that he could verify my address. I asked if he could submit any correspondence relating to this change with this replacement of credit cards, but he said it was no longer available. I did not make the payment online. I did receive my credit card statement by mail, and it referenced the legacy credit card account number.
Product: Credit reporting or other personal consumer reports

I created an account with Experian and then froze my credit report. Since then, every time that I try to sign in it forces me to request a credit report and then says that there has been a system error and to call XXXX ( see attached document ). When I call that number ( and the other one that is available on line ) there is no way to fix the problem nor to talk to a representative. 

I tried the app, but that requires Experian sending me a verification code either by text or phone and neither one comes. 

Very frustrating that one of the big XXXX credit reporting services has no way to contact them to fix my account.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Due to Covid19 we were unable to make the regular scheduled mortgage payment and contacted our loan servicer prior to the due date, Nationstar/ dba Mr Cooper to forbear payments for 12 months as the loan is owned by XXXX XXXX . Mr Cooper refused to forbear for 12 months and only allowed 3 months. Mr Cooper
then sent a letter dated XXXX.20 with a person and number to call. When we called this number the voice message as well as the person who answered the phone identified themselves as a collection group within Mr Cooper.

We are checking our credit reports now for negative information that may have been reported.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, ( The XXXX XXXX XXXX XXXX ). 
As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the XXXX XXXX has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
My XXXX loans in the amount of ( {$31000.00} ) were discharged and my credit repaired. 
I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these XXXX XXXX schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " XXXX XXXX XXXX XXXX XXXX', but loans made to students in states outside of the agreement, or those who were not in default for XXXX months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX XXXX XXXX XXXX  schools. 
After the XXXX settlement, didn't Navient also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the XXXX student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 
Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with XXXXXXXX XXXX  schools. 
Time is running out for Navient to do right by students who were scammed into taking out private loans to attend XXXX XXXX XXXX  colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
XXXX XXXX XXXX has sent a letter to Navient 's XXXX asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend XXXX XXXX XXXX schools NOW! 

Link to XXXX XXXX Letter : XXXX XXXX XXXXXXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX
Product: Mortgage

I have been fighting for months for Nationstar to remove the PMI portion of my loan. At time of purchase we were notified that as long as I was XXXX % or higher on loan to value this would be removed. I began asking questions in XX/XX/XXXX and was sent in a constant loop until I got nasty. I asked and received an appraisal which shows my loan to value is XXXX % just received a letter stating that the range " could '' be XXXX-XXXX % LTV and denied my request. My house has the required LTV, I have excellent credit and never missed a payment ... .Shame on you Nationstar. I was so excited to read about your organization please help they have been trying to string me along since XX/XX/XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Information incorrect on my credit file ie : Name XXXX XXXX ( legal name is XXXX XXXX XXXX XXXX ) please remove XXXX XXXX Incorrect address never lived at this address XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Checking or savings account

I have an XXXX XXXX account with OptumBank. The account comes with an ATM card, that I do not use. 

On XX/XX/2021 I logged into my Optum XXXX account to retrieve a tax form. I immediately noticed fraudulent ATM activity. I pulled my ATM card from my cabinet and saw that expired. I called Optum immediately that day and reported the fraud. While on the phone I asked the representative to cancel ALL ATM cards. I asked the rep to remove ATM access from my account entirely as I do not use the ATM card and I didn't want another one reissued. She confirmed she did this on XX/XX/2021. 

Optum apparently reissued a new XXXX card in XX/XX/2021 but they did not notify me by email or phone. Unfortunately, there was rampant mail theft during that time. 

On Optum 's website it says they protect us by " monitoring the account for fraudulent activity '' - for 3 months I never heard from anyone about this very obvious fraudulent activity ( ATM withdraws and gas stations on an XXXX card? ). Additionally, you would also think that given that this followed the issuing of a new card this would have been flagged. 

On or about XX/XX/2021 the charges were still on my account and I had not received any correspondence from Optum. I called again to ask for an update. They said " fraud was reviewing and would reach out ''. I asked when, they could not tell me. All the supervisors were out that day. I asked the rep ( again ) to confirm that ATM access had been suspended, she confirmed. 

On XX/XX/2021, I logged into my account again. And much to my surprise there were NEW fraudulent ATM Charges on my account! Even though they had confirmed twice that all ATM access had been cancelled. In addition, all the previous fraudulent charges remained on my account still. I still had not heard from the Fraud department. 

At this point over {$2800.00} has been fraudulently withdrawn from my account with no action by Optum. I have spent over 3 hours of my time on the phone with them. After my call on XX/XX/XXXX I was assured 1 ) that a supervisor would call me back within 24 hours to confirm my claim was received and the ATM card had been cancelled ; and 2 ) the claim would be submitted within 24-48 hours. 

As of today XX/XX/2021, I still had not received a call from a supervisor. And they said my claim was submitted but it would take 3-5 days for the funds to be returned to my account. 

The money has been missing from my account since XX/XX/2021 and I reported it XX/XX/XXXX. I would remove my funds from this institution immediately if it were not an HSA through my employer. I have reported this to my employer as well and they are also looking into this. If you are an employer considering this company for your employees I encourage you to look somewhere else. 

I am afraid to leave my money with this institution. For over a month I have had to watch my savings get drained with no action by Optum Bank. I've done everything I can to protect myself. Optum is a custodian of our XXXX money. This is not Custodial behavior.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete all accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Please find below the accounts and inquiries associated with this data breach : Accounts : XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$130.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$540.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$540.00} Inquiries : XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have disputed fraudulent inquiries and accounts with Equifax XXXX  times on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX they have not removed the fraudulent entries nor have they provided me with verifying information they have refused to investigate the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and an accoout from XXXX XXXX XXXX, XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I requested that Equifax verify an alleged bankruptcy and they responded on XX/XX/2020 that it was verified through XXXX XXXX. However, my XXXX XXXX file is frozen, so that was inaccurate.