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

Attention : Consumer Financial Protection Bureau File number : XXXX XXXX XXXX-XXXX SS # XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Colorado XXXX DOB XX/XX/XXXX Company Disputing : Seterus, Mr. Cooper Disputing to remove Late Charges for the Months mentioned below. 
Phone : XXXX Email : XXXX This dispute is regarding my ex-mortgage holder, Seterus ; that claimed late payments on my report for the months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted the company that purchased Seterus in XX/XX/XXXX, Mr. Cooper. In XX/XX/XXXX I requested that these claims be removed from my credit report, they responded with a letter XX/XX/XXXX claiming that they are required to report payment history accurately and altering credit information would be reporting inaccurately to the credit reporting agencies. 
Document 1 Letter from Mr. Cooper Document 2 Proof of Monthly  payment for XX/XX/XXXX, from bank statement. 
Document 3- Proof of payments for XX/XX/XXXX and XX/XX/XXXX from bank statement. 

I provided these same documents to Mr. Cooper and I still received no assistance. 
I would like CFPB to assist me with the continuation of this dispute, and assist me in gaining some consideration from Mr. Cooper, who has clearly stated that they didnt acquire Seterus at the time that these late charges were filed with the credit agencies, so they do not feel responsible. My position is that Seterus no longer exist, nor do they have a customer service department that continues to help its previous customers before the acquisitioning by Mr. Cooper. 

Furthermore, I have filed disputes with the three credit reporting agencys ( XXXX, XXXX, XXXX ) and I have had no success even though I provided the same documentations, they are contacting the same company which has already responded in a letter of their lack of interest due to they had not acquired Seterus at the time that these late payments were filed, so they feel they are not responsible. 

I am requesting that the late months in question be removed from my credit report and shown as paid on time, for I have provided the documentation to substantiate this decision. I currently can not apply for a mortgage loan because of this incorrectly reported information, your expedience would be greatly appreciated. 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF XXXX. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {$43000.00}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX. I am submitting this complaint on behalf of myself and not a third party. 
I previously submitted a complaint and it went unresolved. 
My final attempt at this level to make Transunion aware that I have never signed an Affidavit nor giving Transunion consent to furnish ANY INFORMATION on my consumer report but has that stopped Transunion? No it has not, even through disputing inaccuracies I have still not been been properly handled. The items I disputed do not belong to me. Youre verification was flawed. Show me indebtedness, accounting in detail, a document showing I received any loans or services. Did you interview anyone?! Tranaunions system is fraudulent. Wheres your permission purpose?! You do not have my consent to furnish and you did not investigate anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My financial planner called a Financial services provider and asked him for help about me being abble to access funds from a cash out loan on some investment properties that I own To do that, he pulled a credit report to see if I could meet the programs debt to income ratio requirements. 

After he pulled the report, I was inundated with constant calls from mortgage companies seeking to see how they could help. The reason for this is because Equifax, XXXX, and XXXX ( the three credit bureaus ) - WHO MY FINANCIAL SERVICES PROVIDER PAID TO GET MYCREDIT REPORTS- have sold my information to a bunch of mortgage people, as leads for soliciting my business. This should be completely outlawed on multiple fronts : First of all, I paid for the credit bureau information and report, not he mortgage lenders. Secondly, these credit bureaus received information about financial activity that I wanted private, and have thus violated my privacy by selling my information to other companies. I did not give them permission to do that and neither did anyone representing me. I understand the bureaus used to practice this quite frequently 15 years ago, but recently restarted this information sharing again. It is insidious, and it would help all of us for you to put a stop to this. The bureaus have not done anything illegal, but it SHOULD be outlawed as an invasion of privacy and as an unethical practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reduced my credit score XXXX points in a four-month period, even though I paid off a {$130000.00} mortgage during that time and have never been late paying any of my bills in the last 30 years. Furthermore, I always pay all my bills in full every month. Despite all of the above facts, Experian had the audacity to send me notification of the 53-point reduction along with a message that stated " What would happen if you reduced some of your {$7000.00} in credit card debt? '' I've had much higher balances than that in the past and have always paid them off IN FULL EVERY MONTH. Why the cryptic, snarky message? When I wrote Experian a letter and asked if that means my credit score will go back up when I pay it off in full on the due date, they blew me off and never responded. And of course, they didn't raise my credit score when I did pay it off. How can credit bureaus be allowed to mess with peoples ' credit like that without any accountability whatsoever? And then to not even have the decency to respond to my letter and try to explain themselves.
Product: Debt collection

Company I C System Inc has falsely claimed that I owe an outstanding amount from XXXX XXXX regarding an account that I never had. Ive never had XXXX and I have verified this multiple times. It is under an address that I have never lived at and opened during a time where I lived at another address. 


I C SYSTEM INC Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$310.00} past due as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

PNC Bank is showing 5 late payments on my credit report from almost 7 years ago. I never had a PNC Bank credit card, and i've been trying to get these off for 7 years as it ruined my credit and caused a lot of financial distress. i'd like these late payments removed promptly.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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 reporting or other personal consumer reports

Last year I discovered a false account with XXXX XXXX XXXX and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX and XXXX  denied the claim XXXX This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX and XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an adequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely, and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

1

5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Money transfer, virtual currency, or money service

It will not allow me to link another account and transfer funds and I really need to please fix this for me
Product: Credit reporting or other personal consumer reports

I do not approve of these requests, and they have nothing to do with my financial exercises. I demand that they be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company over a month ago asking them to send me the information where I requested this account to be open and I always asked them to send me some paper work so I can dispute it and they haven't done so. But they continue to report the account to the credit bureaus but haven't sent me documentation with me agreeing to the open the account.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Mortgage

Today, XX/XX/19, I received a statement from Stearns Lending. This statement said that I owe {$1800.00} because I did not pay last month ( XXXX ) ( XXXX XXXX ). However prior to this I received a statement of transfer effective XX/XX/19. So does this mean that Stearns has reported me to be 30 days late? Will they again? How is any of this possible? I am not late, not even by a day. I am paying my mortgage payments to the company that is servicing my loan. To be very very clear, I am not happy about receiving statements from Stearns after my loan had already been transferred to another company. This is against FCRA and UDAAP regulations. Is this happening on my 2nd mortgage also???
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I came across multiple billing inaccuracies. These late payments dont reflect my normal payment behavior. Please resolve these issues and update my account.
Product: Credit reporting or other personal consumer reports

I disputed this item its not my account the world finance account keep hurting my score I want it removed from my credit please!!!!!! I got a kid on the way just hurting me more and section 609 of the FCRA gives you the authority to request detailed information about items on your credit report. If the credit reporting agencies cant substantiate a claim on your credit report, they must remove it or correct it.
Product: Debt collection

Oliphant Financial continues to contact me and harass me in regards to account # XXXX. I am a victim of identity theft. The account is a fraudulent account. I have never applied for a personal loan from XXXX. The account is the result of identity theft. The account is not mine and dont belong to me. I been receiving harassing and threatening phone calls from Oliphant Financial Represenatives. The representatives have used abusive and profane language and threaten me with wage garnishment, arrest, jail and prison time for a fraudulent account thats not mine. This a clear violation of the Fair Debt Collection Practices Act.
Product: Debt collection

My identity was stolen and someone used it to get an apartment they got evicted and I found out about the collections on my credit years later. 

I took several steps to get the account removed and disputed, IQ data international made the process so much harder. The callers were rude and unprofessional and werent the least bit helpful. 

They use unethical tactics to contact you and attempt collections. I could understand if I owed the amount. But my identity was stolen.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Debt collection

this company is attempting to collect money from me and reporting a debit I don't own to my credit report resulting in financial hardship due to negative credit impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I went to Wells Fargo branch in XXXX XXXX Texas with my young daughter. I was in Texas due to my mothers ' passing away. I went into the branch to do a cash advance from my unemployment card of {$480.00}. The individual was a female and a service manager. She asked if I was a member with a checking or savings account and I replied no. She asked, how can I help you? I said, cash advance off my card. She asked the amount and I said {$480.00}. I noticed that she had trouble with the computer as she was keyed in my drivers ' license. She asked why was I in Texas and I said my mother died. She then went into her draw to grab the cash and I turned around to look at my young daughter who was seated in the lobby to check on her. As I turned back, I saw only {$400.00} and couldn't see the rest and I asked that the money be out of the envelope. She placed it in the envelope and sealed it. I left the branch with my receipt and the envelope. It was late around XXXX XXXX  that I was at a drive through to buy dinner for my family and opened the envelope. I saw that it had only {$420.00}. I was so upset and wished that I could go back to the bank but it was after hours. Therefore, I tried going in the next morning when they opened. I approached a teller and told her what happen. I saw the same individual and she began to say I gave you the money yesterday. I told her that it was short by {$60.00} and that to pull the tapes. It became a he say she say because she started to count her draw as if the money would have showed up that morning when it would had been last night. I was so incensed at her unprofessionalism and her alledging that I lied to make more money. When she called the escalation team that is what she told them and it upsetted me. I want Wells Fargo to rectify this problem asap.
Product: Debt collection

There is a dent on my credit reports for Calvary portfolio that I do not owe, I have disputed numerous times and contacted them numerous times for them to provide proof that this is my debt, however I have yet to receive any documents or a resolution. they continue to increase the balance owed every month on my report and no one will tell me anything about this debt
Product: Credit reporting

I received an a credit report and noticed things on my report that were not authorized by me. After researching on XXXX I found that the Credit Reporting laws allowed for me to make a dispute under the protection of the FTC identity theft affidavit. I followed the instructions of the FTC and submitted a dispute with Experian regarding fraudulent items found on my credit report. After waiting 30 days giving Experian ample time to remove the items the came back with a report that says updated. 

Its my understanding that Experian only has 5 days to block the items from my report. It is awfully frustrating to say the least that these credit reporting agencies do not have to follow the law. 

I am submitting this complaint because I just dont know what to do to resolve this. Please hold Experian accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please delete. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 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 XXXXXX/XX/XXXX. Please remove these inquiries.
Product: Checking or savings account

In XX/XX/XXXX I called navy federal credit union regarding a charged off account for a credit card to set up a payment plan for {$150.00} per month until the balance was paid. However I have recieved letter from NFCU thanking me for various amounts from their collections department for XXXX, XXXX, XXXX, XXXX, XXXX etc. On XX/XX/XXXX. I checked my checking account to prepare money for rent to pay my landlord when I noticed an adjustment debit amount for {$2000.00}. I called NFCU that told me the charge was from the charge offs department. I called well in advance to them closing. After being patched through multiple departments. Around XXXX I got through to the charge off department before their closing of XXXX. The person then transfered me out of the department. They had me on hold until the department was closed. I tried for over 1.5hours to resolve the issue but to no avail. I did not authorize NFCU to take {$2000.00} from my account. The arrangement was for only $ XXXX and they refused to refund or recerthe transaction. Now my family is at the risk of being homeless as that was the only cash we had for rent. Please help