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

My husband and I are in the midst of applying for a mortgage w/ XXXX XXXX. We have no outstanding disputes w/ XXXX XXXX and three are showing up despite the accounts being paid in full, having XXXX balances, two being closed, and one being open. XXXX XXXX is telling me there are NO ACTIVE DISPUTES, so there is nothing to remove. When asked for a letter stating that, they told me ( XXXX - agent # XXXX ) that they can not furnish something saying that. It is not an option. 

These three disputes are causing huge problems in the underwriting process. We now run the risk of not getting the mortgage and ultimately being homeless because we have to move out of our apartment. 

CoreLogic Credco is where the info is showing up - and I do not see these active disputes on my main three reporting agencies ( XXXX, XXXX and XXXX ). How can I get them removed/updated? 

I am desperate right now.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

Nationstar XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX See attached previous CFPB Complaint and supporting documents. 

We submitted a full-asking-price offer on XXXX/XXXX/15. ( yes we have been working on this with Nationstar for MONTHS ) Nationstar refused to consider the offer ( the offer with the pricing they required ), and instead forced the property through the AUCTION HOUSE THAT THEY DIRECT AND OWN. 

Nationstar ran this thru the auction AGAIN, there was no winning bid AGAIN, and now they are REFUSING to consider the offer of the buyer that has ALREADY COME UP TO THEIR ASKING PRICE. 

Why is the offer that we submitted not being looked at? This house is in a drug infested neighborhood. Our buyer even offered what their last XXXX came in at. Their own auction company cant get a buyer. It 's obvious what they really want is to just collect the 5 % fee and ensure the property goes to their group of shill buyers. They do n't care about their own investor or the client they are supposed to be servicing. 

Nationstar has been defrauding their investor since XXXX when they were presented with an offer that met their value. If Nationstar comes up with a 'new value ' it is only to cover for the fact that they are trying to wait long enough to find a buyer through their fraudulent auction process so they may profit the additional 5 %. 

WHEN IS THEIR ILLEGAL AUCTION-AND-POOL-OFXXXX GOING TO BE INVESTIGATED AND SHUT DOWN?
Product: Credit reporting, credit repair services, or other personal consumer reports

I created an account to monitor my credit and see a collection from LJ ROSS still reporting, which has dropped my scores significantly. I addressed this collection with the understanding it was going to be deleted from the credit bureaus, which I see it was not. My frustration with this collection is that I was never advised I had the ability to dispute the collection. Due to this, I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any notifications of this option. I would like this collection removed from my credit due to erroneous collection practices. 



Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. 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. Please update or correct the following inaccurate items in my report : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDNELNET XXXX Balance XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} WOODFRTNTLBK XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00}
Product: Debt collection

i have became a victim of identity theft since 2005 i have major police reports i had everything stolen from me someone in XXXX for a condo in my name and skip out on the lease costing me XXXX on my credit report i have spoke with XXXX county hundreds of times and they told me that it will remain on my credit they told me that i should have been more careful and held on to my purse i was XXXX and for them to say such unbelievable words was beyond me. i had no choice to report them to get some help on this
Product: Debt collection

On XX/XX/XXXX i called Lyons Doughty and Veldhuis because i received an alert my wages are being garnished unlawfully. I have never received any summons from the court of this matter. The court is aware this is unlawful and are completely railroading me. I spoke with XXXX and XXXX at their office who stated they have been sending notices to an old address which has never been put on the court record. I have provided the accurate mailing address and they have not sent any court documents to the address. The court instructed the alleged attorneys to properly serve the defendant on XX/XX/XXXX see attached. however they never did. This lawful knows what they are doing is illegal and unlawful. This debt collector agency is violating my rights as a federally protected consumer, and committing identify theft. The alleged attorney ( s ) for XXXX XXXX, XXXX is in violation of 12 CFR 1006.14 a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. The alleged attorney ( s ) for XXXX XXXXXXXX, XXXX XXXX is in violation of 12 CFR 1006.18 the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 
The alleged attorney ( s ) for XXXX  XXXX, XXXX XXXX is in violation of 12 CFR 1006.22 code 1692f a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. 
I never gave them consent to have any of my personal information. XXXX fields who is a clerk of the court signed the wage garnishment who does not have legal authority to do so. 
Lastly, the court lacked jurisdiction over the aggrieved party therefore the judgement and garnishment is void. Because of debt collectors like this, they cause people to become homeless and file for bankruptcy. This debt collectors office needs to be banned. 
I will be filing form 3949 against this law firm for tax evasion and form 211.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX credit card account ending in XXXX was charged off and sold to XXXXXXXX XXXX XXXX. Then sold to XXXX XXXX. I settled and paid in full on account and was promised a pay and delete. But Id settle for the comments on report saying paid charge off. Or paid and settle for less. Not a charge off account. Plus I have proof of a letter showing its paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

My disputes have been sent over a year ago for these collection account that are on my report still and now its XX/XX/2022 with no removals XXXX XXXX {$580.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00}
Product: Debt collection

I leased a vehicle in 2014 with XXXX XXXX XXXX. Unfortunately I lost my job and was no longer able to pay my lease, so the vehicle was repossessed. The charge and account was close on my credit report, but I am still being charged and the amount has increased significantly. I have written a letter and the company added on over XXXX to the account.
Product: Credit reporting or other personal consumer reports

Delete these accounts and inquires : XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00}
Product: Mortgage

On XX/XX/XXXX, I received a call from Planet Home Lending notifying me that there were recent reversals requested from my prior mortgage company ( XXXX XXXX XXXX ) which as a result in me being in arrears for 2 mortgage payments. For background ... my old mortgage company ( XXXX ) sold my loan to Planet. In an effort to resolve this error immediately ( XX/XX/25 ), I emailed monthly banking statements to Planet Home Lending for XXXX, XXXX, XXXX, and XXXX with transactions that demonstrated that mortgage payments ( in full ) were made consistently each month to XXXX as well as to Planet Home Lending ( not one missed ). It's been more than a month now and my Planet Home Lending account still reflects that I owe mortgage payments ; not to mention that I'm on debt collection auto-dial list, which calls my mobile as well as work ( very embarrassing ). This issue has also negatively impacted my credit. I call Planet multiple times each week for updates on the status and the representatives share " I apologize but Customer Service reps are short staffed, and this issue is currently being investigated ; check back next week ''. The say they have the necessary documents ( submitted by me ) to conclude their investigation. At this point I'm afraid to make a payment and it get tangled up in this mess. As soon as the issue resolved, I have the monies available to make XXXX and XXXX 's mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.

This alleged debt is disputed on the basis it is statute barred under the Limitation Act ( NSW )
Product: Credit card or prepaid card

I REACHED OUT TO THE CREDIT CARD COMPANY XXXX BACK WHEN THE CHARGES SHOWED ON MY STATEMENTS AND LET THEM KNOW THAT THESE CHARGES WERE FRAUD AND I DID NOT AUTHORIZE THEM OR HAVE ANY DEALINGS WITH THESE COMPANIES. AND I DID NOT GET ANY RESPONSE FROM THEM LETTING ME KNOW THE OUTCOME. SO I THEN CALLED WITH A FRIEND OF MINE TO GAIN SOME HELP AND THEY SAID THAT THE CHARGES WERE TOO OLD AND THEY COULDNT HELP ME. I AM XXXX AND HAVE BEEN THROUGH SO MUCH WITH THE CREDIT CARD COMPANY THEY WERE VERY MEAN TO ME TALKING DOWN ON ME AND IM SO  STRESSED OUT ABOUT ALL THIS. I WILL LIST ALL THE TRANSACTIONS THAT WERE MADE ON MY ACCOUNT ; FROM XXXX CREDIT CARD ; XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX THIS IS ALL THE CHARGES THAT WERE MADE ON MY ACCOUNT THROUGH THE YEARS OF ALL THE MONEY THAT WAS STOLEN FROM ME TOTAL OF XXXX AND THE CREDIT CARD COMPANY WILL NOT HELP ME WITH NOTHING. THIS IS VERY UPSETTING AND IT MAKES ME SO UPSET HOW THEY TREATED ME AS THERE CLIENT AND NOW THAT IM XXXX THEY TELL ME I FORGOT I DID ALL THIS AND TOLD ME SOMETHING IS WRONG WITH ME AND I NEED TO GO IN A NUSRING HOME. THIS IS JUST NOT RIGHT. PLEASE HELP ME GET ALL MY MONEY BACK THAT WAS TAKEN FROM ME OVER THE YEARS PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, I check my checking account and found that {$310.00} and XXXX amounts were withdrawn from my account without an company name showing who did the withdrawal. I call PNC customer service inquired they could not tell me why there was no company listed as to who took the money out of my account. I was given the runaround and no response to my question. On XX/XX/2023 the customer service relation agent picks out two companies on my checking account as the companies that took this money out of my account which had two total amounts then the two unauthorized amounts which was {$290.00} and {$320.00} and there was never a dispute file on these amounts nor the companies. PNC refused to assist me, they simply wrote a letter with no basic to the complaint and refused to assist me further. I wrote a complaint to the OCC and were referred to CFPB. Prior to discovering the {$310.00} and {$290.00} amount which I never filed a dispute on. On XXXX I filed disputes on monies that was taken from my checking account in multiple amounts. PNC put the amounts back into my account and supposed to have investigated but two months later PNC did an reversal of all disputes in the amount of over {$1100.00} ( See attached PNC response letter, it does not make any sense, see how they tried to make the two different amounts match the amount taken from my checking account. The two company that PNC used as the company I disputed offer to verify that I never filed a dispute against them nor had any problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX more than 21 times. XXXX 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 XXXXs n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Late Payments on Apple Card Due to Identity Theft and Removal of Incorrect Address Dear Sir/Madam, I am writing to dispute the late payment entries on my credit report related to my Apple Card. The report currently shows a XXXX late payment in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. These entries are connected to the address XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX, an address with which I have no affiliation. 

I believe these charges are the result of identity theft, and I did not authorize any transactions or payments connected to this address. I request the immediate removal of the late payments as well as the removal of the fraudulent address from my credit report. 

Please investigate this matter and take corrective action to reflect the accurate information on my credit report. I would appreciate written confirmation once this issue is resolved. 

Thank you for your attention to this urgent matter. Should you need further information, please contact me at XXXX or via email at XXXX.
Product: Money transfer, virtual currency, or money service

This involves two significant issues with paypal : XXXX ) CELL PHONE REQUIRED TO LOG ON TO PAYPAL : Around the XXXX of XXXX they changed their logon policy so that you can only log on if you supply them with a mobile number and they text or call you with a code. As a result I can not access my account. I do not have a smart phone because I can't see it due to XXXX and this requirement is a violation of the XXXX and other consumer protections for people with XXXX. I spent over an hour finally getting through to a " supervisor '' in the XXXX who informed me that this is now their policy, despite statements on the website that you can change how they contact you. ( see attached screen print ) Without being able to get into the account, I can not change it. Clicking call me with a code goes nowhere. PLEASE UNDERSTAND THAT MANY COMPANIES ARE NOW REQUIRING CELL PHONES TO LOG ON, WHICH IS A SERIOUS VIOLATION THAT NEEDS TO BE FIXED BY LAW OR REGULATION. 

XXXX ) UNAUTHORIZED CHARGES TO BANK ACCOUNT ON MULTIPLE OCCASIONS : In early XXXX I signed up for a trial account through XXXX using a credit card through paypal, which I cancelled 3 times before the end of the trial period. Despite this, in the middle of the night on XX/XX/XXXX, Paypal charged me a membership fee through my personal bank account, NOT the credit card on file. This was completely unauthorized. I contacted XXXX, who immediately acknowledged their error and reversed the charges and paypal, which filed a case - acknowledging a day later that XXXX had cancelled the charge. I also removed my checking account from ancestry but kept a savings account used for charity attached to paypal. On XX/XX/XXXX, Paypal repeatedly tried to take money out of this savings account, resulting in overdraft charges. My bank reversed this and I contacted paypal again. On XX/XX/XXXX, paypal once again tried to charge this savings account for the cancelled ancestry charge, resulting in more overdraft fees. My bank has reversed charges and blocked paypal withdrawals for 6 months, but can't do a permanent block. Paypal claims they are trying to retrieve money they advanced for the XXXX charge, even though the charge was cancelled and they were paid back by ancestry. In no case were they authorized to withdraw money from this or any other bank account. 

I need to know that this will NEVER happen again and they will NEVER switch from a credit card to bank accounts for charges. There was absolutely no reason not to charge the credit card. It is also unclear if my account is still open as I have no way to access it. This needs to be dealt with as both a credit violation and a XXXX violation and something done quickly as not allowing people into their accounts with providing a code texted to a cell phone is now an industry trend.
Product: Credit reporting or other personal consumer reports

Request for Account Blocking and Deletion Due to Data Breach Dear Experian Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. **Accounts in XXXX : ** XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account XXXX  XXXX **Personal Information : ** Name : XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX. Social Security Number : XXXX Date of Birth : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX  XXXX ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. XXXX. XXXX XXXX XXXX : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. XXXX. XXXX XXXX  XXXX ( XXXX  ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. XXXX. XXXX XXXX XXXX ( XXXX  ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. XXXX. XXXX XXXX  XXXX : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. XXXX. XXXX XXXX XXXX : I reserve the right to seek damages for any violations of the FCRA resulting XXXX this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in XXXX  days!