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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this XXXX XXXX XXXX Account Number : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately 2. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this XXXX XXXX XXXX Account Number : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately 3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this XXXX XXXX Account XXXX : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately 4. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this XXXX XXXXXXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this XXXX XXXX XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation
Product: Money transfer, virtual currency, or money service

Hello, My name is XXXX XXXX and I am a creditor of the bankrupt XXXX exchange. I opened my Coinbase account in XX/XX/year> and completed the identity verification on the same day. However, my identity was not verified immediately and I had to wait for months, but I was verified in XX/XX/year>. During this time, the price of XXXX dropped significantly and I suffered a loss of about {$100.00} due to the delay. If my account had been verified in XXXX, I would have been able to withdraw my money when the price of XXXX was about {$69000.00}. However, my account was verified in XXXX, at which point the price of XXXX dropped to {$57000.00}. I would like to know the reason for this delay and ask if I can be compensated for my financial losses. Please look into this situation and please provide a response. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Mortgage

NationStar or " Mr.Cooper '' is the service company - Loan # XXXX. At end of the foreclosure process - they sent notice of the Service Member paper work indicating that I was not a service personnel and the next notice I receive is that on XX/XX/XXXX summary judgement was issued. We were waiting for the court date and were not notified so were unable to send our new attorney to request a short sale since we believed we had used up all our legal options. 

Our original attorney since XX/XX/XXXX - XXXX XXXX - had withdraw from being our attorney in mid - XX/XX/XXXX. The bank 's foreclosure attorney had that information since they were in court. 

When I called NationStar aka Mr. Cooper and spoke to customer service last week I was informed that they had gotten statements back back that were sent to Attorney XXXX but had not called me to find out if something had changed. They told me that the foreclosure department does not " talk or communicate '' with the customer service department. They were fully aware of all that had transpired - court date, sheriff 's sale date - so someone had told them this information. One of the agents I spoke to told me that they had called the attorney back in XX/XX/XXXX but had not called since because they had gotten busy with " hurricances and floods ''. I asked to have the issue escalated and spoke to another agent that gave me an email to escalate my concerns to - XXXX. I sent an email this past weekend and have not heard back from anyone. 

We want to be given an opportunity to do a short sale instead of having a foreclosure on my record - they told me to go via XXXX but that they could not guarantee that I would be given time to do the short sale. As you know, there is a lot of paperwork involved in doing a short sale and putting it into XXXX. I know since I am also a XXXX XXXX XXXX who has done XXXX XXXX for my clients since XX/XX/XXXX. 

I would like Mr. Cooper to give me a chance to do the short sale - a minimum of 120 days to list the home, get a buyer and submit the necessary paperwork. 

Just because I was not notified of the final court date and the sales date was escalated some how in one of the largest counties in the state only adds to my curiosity on how they managed to do this. 

My reach number is XXXX - my email is XXXX Any assistance would be appreciated since Mr. Cooper does not seem to want to respond to me at this point. The property is finally at least at market price. My son and his wife have lived in the unit and will also need additional time to leave if the court date can not be stopped for some reason. Thank you!
Product: Debt collection

As said please disclose any documents to me & the CFPB of these several accounts that you are claiming with a signed contact with me and this company CONTROL CREDIT CORP. If that cant be disclosed you need to stop reporting to the bureaus and several account when one is only being reported? Please disclose any agreements thats with you directly to the CFPB or legal actions and damages will occur. Like stop the several antics because I will never agree to pay anything with anyone I have no agreement with. Disclose all info with me and this company directly or be sued.
Product: Credit reporting or other personal consumer reports

I was notified today that my credit dropped XXXX points. When I checked my credit report, it said I opened an account at XXXX XXXX on XX/XX/XXXX and XXXX XXXXXXXX  on XX/XX/XXXX. I've never been to those banks in my life. I contacted both and both told me someone opened an account in my name using my social security number. The fraudulent individual has already spent {$13000.00} on the XXXX XXXX account and {$3000.00} on the XXXX XXXX account. XXXX XXXX has frozen the account and I am currently on hold with XXXX XXXX, but they said this was the next step in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian XXXX times since 2015 and they are refusing to correct my name. I have provided a clear copy of my driver 's license, passport, mail, and birth certificate and they are refusing to correct my name. They are also reporting an incorrect address. I have already provided them proof of my current address and they are reporting my current address as a XXXX XXXXddress and I live in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX -- -- -INQUIRIES -- 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: Payday loan, title loan, or personal loan

I contacted XXXX XXXX in XXXX stating I was having financial difficulties and asked if I had the insurance to cover payments. It was explained to me that I did not have the insurance. I asked what my options were. The only option was to have one payment deferred. I went to the location to sign papers to have my payment deferred. My paperwork for the deferment was misplaced and I kept receiving phone calls until the found the paperwork. I called in XXXX asking for another option. I was told there was no other option except to pay. This account is now four months behind. I would like for XXXX to work with me until I am able to start a regular paying job.
Product: Mortgage

Mortgage servicer is AmeriSave and their sub-contracted agent XXXX XXXXXXXX XXXXXXXX. 

Servicer failed to pay our {$2900.00} flood insurance premium from escrow by the policy due date of XX/XX/XXXX. Timely payment was not made and we made the payment directly to avoid policy termination. Servicer initially stated they would reimburse upon receipt of proof of payment and updated policy declarations page. Said documentation was provided same day. Servicer then balked at reimbursing and stated it was up to us to get it back from the insurer. We strongly protested and on XX/XX/XXXX servicer agreed to reimburse after receiving their refund from the insurer. The insurer processed the disbursement to servicer on XX/XX/XXXX. The servicer has yet to credit our escrow account. Have requested follow up status with no reply. 

NOTE : attached is a detailed timeline synopsis of events with references to attached supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I went to Home Depot website inquiring about business credit. During the application process instead of putting my social security number I put my business EIN because it was supposed to be for business credit not personal credit and I submitted the application it gave a pop up page saying to further my application I need to call. I called and spoke to a lady and explained to her that I was trying to apply for business credit so I didnt disclose my social security number but I put my business EIN number and she explained for that specific card they would need my social security number so I asked her if its gon na be a hard inquiry on my credit report and she said yes and I told her no I didnt want to do that and she recommended I go back to the website and apply for the other business credit card because I could use my business EIN for that one so I did and it gave me the same pop up and I called and spoke to a different lady and she explained they would need my social security number and I told her no thank you because I didnt want this going on my credit report. I made everything clear as to not go with the application if it was going to go on my credit report as a hard inquiry. I never gave them my social security number and I have been trying to get both inquiries removed since then. Nothing is helping and its frustrating because this shouldnt have happened. Im sure our conversations were recorded.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Experian Credit Reporting Practices Details of the Complaint : I am writing to formally lodge a complaint against Experian, and XXXX regarding what I believe to be inaccurate and unfair treatment of my credit score, despite maintaining excellent financial habits.

Specifically : My credit utilization is consistently low and well within recommended limits. 
I have no recent hard inquiries on my credit report. 
My payment history is 100 % positive, with all accounts paid on time. 
Despite these positive factors, my credit score with XXXX and Experian remains inexplicably low, significantly lower than scores provided by other credit reporting agencies. I have thoroughly reviewed my Experian credit report and found no errors that would justify this discrepancy. 

I suspect that Experian and XXXX may be purposely suppressing my credit score for reasons unknown to me, potentially violating my rights under the Fair Credit Reporting Act ( FCRA ). This issue negatively impacts my financial standing and ability to access credit on favorable terms. 

Resolution Sought : I respectfully request the following actions : A thorough review and correction of my Experian credit report to ensure it accurately reflects my creditworthiness. 
A detailed explanation as to why my score is significantly lower compared to other credit bureaus, despite my strong financial profile. 
Immediate steps to ensure compliance with federal laws governing fair and accurate credit reporting.

I appreciate your attention to this matter and look forward to a resolution that restores my confidence in Experians credit reporting practices. 

Contact Information : XXXX XXXX XXXX XXXX Thank you CFPB for your assistance In this matter.
Product: Checking or savings account

Attorney XXXX XXXX illegally had money market account opened with dime savings bank from XXXX or XXXX settlement. I never got any money from that money market account. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX there court fraud and bank account fraud going in both cases. My mother XXXX XXXX XXXX is wanted fugitive she stole checks with other attorneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that have illegal escrow accounts open with my knowledge or permission. Please close all the money market accounts and illegally escrow accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for credit cards and applied for an auto loan and they were only supposed to use their company but ended up showing multiple other companies on my credit report such as 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: Debt collection

I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing XXXX and XXXXl damage damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXXXXXX 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: Debt collection

On XX/XX/XXXX I received an email from Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX - XXXX XXXX  Central Time The email reads : Dear XXXX XXXX XXXX XXXX Description : Badcock Account Number : XXXX Current Creditor : Jefferson Capital Systems XXXX XXXX XXXX Number : XXXX The purpose of this letter is to advise you that Jefferson Capital Systems , LLC is XXXX new owner of the above-referenced account. Accordingly, please include the XXXX Reference Number on all correspondence. 

No collection efforts will occur on this account for at least 30 days from the date of this notice. 

The debt to XXXX was paid in full on XX/XX/XXXX to XXXX XXXX for the agreed amount. I have not heard of this creditor nor do I owe them. And I have proof of paying the original creditor.
Product: Credit card or prepaid card

The credit card service is poor. They dont comply with the requirements as a visa signature member. I opened a dispute on XX/XX/XXXX with the dispute number : XXXX and chase bank dont do nothing to resolve the investigation that I explained them over the phone and faxed the documents to them and they dont do nothing on the dispute. They dont comply with the visa signature customer protection. This is the worst credit card I ever had. They even dont contact the merchant to the dispute. I reopen another case on XX/XX/XXXX with the dispute number : XXXX and they requested another letter requesting what happened on the car service, I send the letter to them and they dont investigate nothing. I dont recommend this bank to anyone.
Product: Debt collection

I have no knowledge of this account nor do I have any business With this company
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXXXXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Im writing to report that my personal information has been stolen and used fraudulently to open accounts in my name. i discovered this issue on XX/XX/XXXX when i was checking my credit reports through notification from a creditor. Name of the financial institution or company showing on my credit report is XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX I Did not authorize the opening of these accounts, and i am concerned about the impact on my credit and personal finances. I am requesting assistance in investigating this matter and preventing further fraudulent use of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX - I received an alert that a medical debt collections was added to my credit file ( Experian ). This debt was paid with the original creditor and a letter was provided that states all debt information and the entire reporting will be removed from ALL of my credit files ( XXXX, Experian and XXXX ). I am showing that it was removed from XXXX, but now it shows on on the others. This debt should have never been on my credit file as I never received any letters or calls and was told they had an old address that I have not lived at for several years. So, how was this even added to my credit file with no knowledge or no contact being made?
Product: Credit card or prepaid card

I received a notice the first week of XX/XX/2021 that I had applied for unemployement insurance ( which I had not ). Then on XX/XX/2021 I received a US Bank ReliaCard debit card. I am NOT unemployed and have NOT filed for an unemployment insurance claim. Someone is committing fraud in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( AccountXX/XX/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