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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my numerous efforts to inform you that I am a victim of identity theft and I write to dispute certain account in my file causing from the crime. The account I am disputing do not relate to any dealings attaining any ownership of properties, facilities or money that I have made or approved. Please block the reporting of any information in my credit file that leads to an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXXXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are nu merous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in two letters, one fax, and  called once and nothing has been changed.     The only address that should appear :  XXXX   XXXX   XXXX   XXXX , Ky  XXXX  The only Employer that should be listed is : The  XXXX   XXXX   XXXX   My Name is  XXXX   XXXX   XXXX  my name was legally changed due to marriage on  XXXX / XXXX /  XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX all have fraudulent accounts on my credit profile that needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Theres negative and adverse information listed on my Certegy Consumer Report and the information is fraudulent, not my information and dont belong to me. I have attached a document for proof that I was XXXX for 17 years, so I shouldnt have any adverse or negative accounts or information listed on my Certegy Consumer Report. I should have a clean and positive consumer report.
Product: Credit reporting or other personal consumer reports

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process.
Product: Mortgage

I am trying to get my house refinanced through XXXX XXXX and our current loan company does not have my loan modification that was done with caliber loans in 2012. I have tried to contact both current and prior loan companies to get this loan modification and I am unable to contact caliber loans and XXXXXXXX XXXX says they do not have it. XXXX XXXX says it it illegal for a company to have the loan without this information
Product: Student loan

I applied for a XXXX loan through the XXXX in XXXX of 2004. The Company Nelnet ended up servicing the loan. They supplied me with a Master promissory note with my signature, proving that it was a consumer credit transaction, and they did not give me credit, as I am the original creditor. I am asserting that I owed nothing after I signed the document and my credit was utilized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mis use of my credit report violation of the Constitution and the Treaties Truth and lending act, 11 U.S. Code Chapter 5, 31 cfr 363.6, 28 U.S. Code 566. Powers and duties, 42 U.S. Code 1983 - Civil action for deprivation of rights 42 U.S. Code 1986 - Action for neglect to prevent 42 U.S. Code 2000a - Prohibition against discrimination or segregation in places of public accommodation 18 U.S. Code 1512 - Tampering with a witness, victim, or an informant 18 U.S. Code 2071 - Concealment, removal, or mutilation generally 18 U.S. Code 1346 - Definition of scheme or artifice to defraud 28 U.S. Code 1346 - United States as defendant 18 U.S. Code 872 - Extortion by officers or employees of the United States 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees 5 U.S. Code 7311 - Loyalty and striking 42 U.S. Code 1985 - Conspiracy to interfere with civil rights 18 U.S. Code 245 - Federally protected activities 42 U.S. Code 14141 - Cause of action 18 U.S. Code 1513 - Retaliating against a witness, victim, or an informant 18 U.S. Code 1510 - Obstruction of criminal investigations 5 CFR 2635.702 - Use of public office for private gain.

18 U.S. Code 1918 - Disloyalty and asserting the right to strike against the Government 18 U.S. Code 1506 - Theft or alteration of record or process ; false bail 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of law trespass on my Estate as Agent in fact and Executor over XXXX XXXX XXXX which is held in XXXX XXXX on the record for the record and fee schedule for damages cause by negligence I demand remedy over the matter I do not want a credit score I have unlimited credit nor a Corporation see RIC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message is received successfully. In reviewing my credit profile and saw inaccurate information regarding my student loan through XXXX XXXX XXXX XXXX University. 
The status is reporting late over 20 times. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 6 letters to the bureaus to have them send the proper validation of these alleged late payments. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This upsets me because my consumer rights are being violated! I have the right to dispute any misleading information. I saw a number of other inaccuracies as well. This inaccurate reporting goes against the FCRA Laws, does it not?
Product: Mortgage

In XXXX 2015, the transition of the purchase of XXXX XXXX XXXX by XXXX XXXX, in Georgia occurred. I own rental property and payments to Nationstar Mortgage company were made from XXXX XXXX XXXX ; however, after the transition to XXXX XXXX, the automatic payments to Nationstar got messed up because the account at XXXX XXXX XXXX, now XXXX XXXX, XXXX XXXX XXXX misplaced a deposit ... one that we discovered that the deposit was moved to another account with XXXX XXXX. In the meantime, Nationstar drew the mortgage XX/XX/XXXX payment off of the former account resulting in a payment of insufficient funds. When Nationstar notified me of the failed payment, I made arrangements at XXXX XXXX to ensure that a payment would go through. Only XXXX XXXX, the payment went through to Nationstar. However, I began receiving calls from Nationstar stating that I had not made the XX/XX/XXXX payment. I told them that I had, and had evidence that the payment went through. They called me at least twice a day for several weeks. Finally my banker attempted to assist with resolution of the problem by calling Nationstar. It is very difficult to speak with anyone with authority there, and basically could only talk to customer service. She faxed a copy of the bank statement with evidence on the statement. Things were quiet for a week or so, but then customer service called again stating a payment had not been made. As XX/XX/XXXX rolled around, the payment to Nationstar on my new bank account went through, but Nationstar began calling me again stating I had not made the XX/XX/XXXX payment. I received more than XXXX calls all times of the day and night from them. There was no convincing customer service that the payment obviously went through. In fact on my online Nationstar account, I can see that both the XX/XX/XXXX and XX/XX/XXXX payments went through. I finally got my lawyer involved, who sent them a letter with the paper work as evidence of the issues and payments. They responded, stating they would not have a resolution to the problem until XX/XX/XXXX ... .and could n't even spell my lawyer 's name right. In the meantime, my credit score has been affected, dropping almost XXXX points. Therefore, something at Nationstar is not connecting with the payments that are evidently being made, as evidenced by both my bank account and the Nationstar website. Now I just received a call from Nationstar stating that the XX/XX/XXXX payment has not been made ... this is ridiculous. No one there is listening to me, my banker, or my lawyer. And yet the payments ARE being made. My credit score is being affected, which is very serious to me, and this company is not paying attention to my concern. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exclusions, in the context of credit cards or similar devices, pertain to the process or state of excluding or being excluded from any authorization or approval for a specific extension of credit, whether directly or indirectly, by the issuer.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving uses vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

All debit is to be discharged banking act 1933  and improper reporting and sharing of my credit report I am the beneficiary of my trust all debit should be paid off there should be no negative on my account and sharing my info with out my permission is a fraudulent
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I have no association with the listed creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting a few more things on my report that was not mine with attempts open other ones. I call the companies they refer me to the credit bureau I explain the issue and they keep telling me they cant only sent a notification which I know that is not true. You can't keep reporting wrong fraud information. I am asking again that you delete the following things from my report XXXX XXXX CARD, and the following inquires EQUIFAX MORTGAGE SER, XXXX XXXX, XXXX - CARD SERVICE, XXXX XXXX, XXXX OF XXXX, XXXX XXXX, XXXX XXXX, XXXX. I have requested that this be fixed and deleted from my credit report.
Product: Credit card or prepaid card

I have a citi AAdvantage credit card managed through Citibank XXXX. I called Citi on XX/XX/2021 to report fraudulent charges that I did not make to XXXX XXXX. I explained I had not purchase anything from XXXX and they said they would issue me a new card and investigate the charges. I called back Citi XX/XX/2021 when I did not immediately get my card in the mail and my online account continued to show additional charges to XXXX after my original call on XX/XX/2021. Citi assured me card was mailed recently and not to worry about the charges, payments and fees they will be cleared with the finish of the investigation. Called in early XXXX as account balance was still showing XXXX charges, the only thing charged to the card and flagged by me as fraudulent. A letter dated XX/XX/2021 arrived XX/XX/2021 from Citi XXXX XXXX, stated there was no fraud and I am responsible for {$1400.00}. The letter includes a reminder that they will report my account past due to consumer reporting agencies. In the letter, they purported that their investigation showed I provided the merchant my account information. I called Citi fraud services, XX/XX/2021 for resolution, asked for a XXXX but they could not provide me with answer as to why charges continued and the investigation had no supporting evidence or reason. I wanted resolution but only received an assurance the they will continue to investigate and " may '' call me back.
Product: Mortgage

Mr. Cooper website is not working and I am trying to reach someone in Mr. Cooper to renegotiate my loan. there is no way to contact anyone on their website or on Phone. I waited two hours today to get someone to speak to, to renegotiate the loan under new law due to the epidemic of Corona Virus but to no avail. Please see the screenshots. 

Mr Cooper 's website is down and no one is picking up the phone at their customer service, so someone needs to contact me as soon as possible to renegotiate my loan terms because looking at the current situation I will not be able to pay my monthly Mortgage as it is too high looking at the epidemic and economic downturn. 

Here is the synopsis of the new law - The legislation will provide 60 days of forbearance, or a delay in foreclosure, for borrowers with federally backed mortgage loans, starting that period on XX/XX/XXXX. It will allow six months of forbearance for those experiencing economic hardship because of the outbreak. 

For those who've taken out federally backed mortgage loans for multifamily properties, the forbearance period will be 90 days. Borrowers receiving forbearance will not be able to evict or charge late fees during that period to tenants who fail to pay rent.
Product: Debt collection

I cancelled my service with XXXX. I had a balance so I talked them to say that I had to make payment arrangements. I made two payments for two months but they started harassing me with phone calls daily. I didn't understand why because I was make some type of payments. Before I can pay the last of my debt, XXXX sent my debt to a debt collector agency who made a report to the credit bureau. So now my credit score dropped significantly over {$65.00}. The debt collection agency never sent me a letter to notify me about anything.
Product: Credit reporting or other personal consumer reports

Something on my credit report about Jefferson capital and original creditor XXXX. Never had XXXX  don't know what any of it is
Product: Credit reporting or other personal consumer reports

Unapproved hard inquiries have appeared on my credit report, causing harm to my score. In compliance with 15 USC 16c-2, I request their removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed these unauthorized items that's wasn't suppose to be on my credit profile. this has been very frustrating after recovering from XXXX. and now I'm trying to get a Home and can't get approved because of it. 

In accordance with the fair credit reporting act XXXX  credit inquires XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I was approved for a Capital One XXXX credit card with intro 0 % APR on purchases and balance transfers XXXX/XXXX/XXXX. On the offer received in the " Our Balance Transfer Service : Your Questions Answered '' it states, " You can request a balance transfer after you 've been approved and have received your card. You can then call our customer service department or sign in to your account. '' After meeting the requirements of being approved and receiving my card ( required to set up online account ) I attempted to set up a balance transfer but was advised online that I am not eligible for any offers for 11 days after account opening. I contacted the customer service number and was advised this is company policy and ca n't be waived even after reading back the information provided on the marketing received which lead to me signing up for this card. I spoke with XXXX and her supervisor XXXX, ( ID XXXX ) on XXXX/XXXX/XXXX and was advised there is no way to waive this company policy and allow me to process a balance transfer in accordance with the information provided on the offer received.
Product: Credit reporting 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 Account XXXX Account Name : STATECU Account XXXX has violated my rights. Or a 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 XXXX 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: Credit reporting or other personal consumer reports

I am writing to inform TransUnion that I am disputing erroneous information that is being reported by XXXX XXXX XXXXXXXX XXXX.as reported on my credit report. account # XXXX XXXX XXXX XXXX XX/XX/year> - I called ( XXXX ) XXXX and spoke to and mailed a certified letter via USPS - XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX  " Customer Solutions Manager '', pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), that they provide me with the following information : 1. Verification of the Debt : Documentation that verifies the existence of this debt, including the original creditors name, account number, and the amount owed. 
2. Proof of Assignment : If XXXX XXXX XXXX, XXXX is not the original creditor, provide evidence of the assignment or purchase of this debt. 
3. Itemized Statement : itemized statement detailing the charges, interest, and fees associated with this debt. 
4. Cease and Desist Communication : Pursuant to the FDCPA, and that they cease all communication with me until they have provided the requested information. 

XXXX XXXX stated that XXXX XXXX XXXX, XXXX could not provide me with either the assignment or purchase agreement for this debt, because they did not have one. 

15 U.S. Code 1681s2 outlines the responsibilities of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
1. Accuracy of Information : A person who provides information to a consumer reporting agency must ensure that the information is accurate. Specifically : o They can not furnish information they know to be inaccurate. 
o If a consumer notifies them of inaccuracies, they must correct the information1.

15 U.S. Code 1692g governs the validation of debts under the Fair Debt Collection Practices Act ( FDCPA )
Product: Checking or savings account

I had a Chime account prior to XXXX. When XXXX hit I had received and PPP loan and unemployment once that ran out. Chime closed my account saying it was fraudulent. I sent every piece of documentation they requested proving my identity and ownership and entitlement to my funds. To this day Chime refuses to return my funds which was close to {$2000.00}. I have sent and resent documents and all they say is I violated the terms. At this point I want my funds returned with interest and funds for wasted time and not eking able to pay my bills or feed my damily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to Capital one on XX/XX/2021 and again on XXXX regarding Covid Hardship due to loss of income. My account was put on a financial assistance program which would defer my payments for 6 months. While i was on this program my understanding was that no late payments would be reported to any of the CB. I have pulled my credit report and they have indeed reported late pays for each month i have been on the program. I have asked for these to be removed however i have had still no response from the creditor or any of the cb.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mail my driving license, social, bill statement to Experian, XXXX, XXXX and they still have not correct my address. There should be only one address on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this for myself and no one else, I recently taken a look at my consumer report and noticed some inaccurate info and Ive tried to reach out and havent gotten back any response while in the process of trying to better my situation and it is holding me back
Product: Debt collection

Apparently a credit card company sold my debt to XXXX XXXX XXXX sometime in early 2020. Since then they call at least 4 times a day from numbers different than the number they want me to call back including using the area code for the city I used to live in. They do not tell me what they are calling in regards to except that my social has been attached to a legal case in their office. They also send numerous texts regarding this as well. Also I told a representative that I wouldn't be able to pay until probably tax time and she very rudely told me that I will keep getting the calls until then and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX  XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX