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

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, PNC BANK and XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

Shellpoint Mortgage Servicing is trying to foreclose on property they have no authority to do so. They have a modification of a XXXX, trust that is not even notarized. As a debt collector they will not even request a notary copy from XXXX ; in order for a contract/modification to be valid it must be notarized ; however, these folks do whatever they want and need to be stopped, this is shear nonsense. Nevertheless, they are in violation of the Fair Debt Collection Practice Act ; for non verification of debts ; not ensuring the correct debt amount ; etc. Shellpoint has dual roles and accordingly to FDCPA ; if a debt is transferred or sold in default ; then they are debt collectors and need to comply with FDCPA. 

The difference between a REIT trust and a REMIC trust and this is a good time to explain. Even federal bankruptcy judges have failed to understand the difference. This has become a subject of confusion, because the rules are different. A REIT can accept promissory notes endorsed in blank, while a REMIC can not ( at least in New York and most REMIC trusts are under New York law. ) A REIT is a Real Estate Investment Trust. The REIT is an actual corporate entity. It is a business corporation with all the rights of any other corporation. On the other hand, a REMIC is not. A REMIC has no corporate powers. It is a Special Purpose Vehicle ( SPV ) which is completely passive. It is a pass through entity. It cant conduct business. It cant take on debts. It cant own physical property or even cash. It can only hold promissory notes and mortgages. ( if endorsed ),
Product: Mortgage

This letter is in regards to University Lending Groups servicing of a XXXX XXXX loan taken out on XXXX XX/XX/XXXX. Throughout the process there have been numerous delays in construction although we are nearing completion. The servicer of my loan has been a primary source of the delays from the start although there have been supply chain delays and XXXX related delays as well. I have had to take out multiple additional loans after the bank said they would allow a necessary changes but would not pay out once they were done. This resulted in several weeks of delay due to having to find a money source. The renovation originated to bring the home up to XXXX standards to meet my needs as I am a XXXX veteran. They are now saying that I will be in default at the end of this month although I have paid the mortgage consistently and have made every good faith effort to complete construction. They are not following the XXXX XXXX change in XXXX of XXXX allowing up to 15 months and, in rare cases, 18 months. The time-line problems and the servicers refusal to distribute the mortgage as needed have put my ownership of the home into jeopardy as I can not refinance for a new mortgage due to the loans I have had to take out as a result of them not distributing the funds. Finally, they are refusing to distribute funds for a generator that was an oversight. The wiring is set up for a home generator but was not noted on the plans. This generator is a medical necessity as I must have assisted breathing requiring constant electricity. How do I get the bank to comply with the XXXX XXXX guidelines and distribute the funds as I can barely afford the home at this point due to all of the loans I have taken out in addition to the mortgage? Additional details and medical documentation are available upon request. Please assist me in this matter. My information is as follows : Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX LA XXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2021 XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$52.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$76.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$160.00}
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

These are a business account, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only account for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX
Product: Credit reporting

I am filling this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

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

I am writing to dispute the accuracy of the following item on my credit report, which I obtained on XX/XX/XXXX. XXXX XXXX XXXX XXXX {$1800.00}. I do not recognize this account and I have no previous knowledge of it. Supply information to validate. If you can not validate then it needs to be deleted immediately. This collection is in violation of USC 1681b. Under the Fair Credit Reporting Act, I am requesting that you investigate the disputed item ( s ) and remove or correct any inaccurate information. Please provide me with a written copy of the results of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, CREDIT PLUS add a hard inquiry on my credit reports perXXXX XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

On XXXX XXXX, 2015 XXXX XXXX XXXX placed an account for the amount of {$5100.00} on my credit report in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account XXXX XXXX XXXX is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts and inquiries listed below violate my federally protected rights to privacy and accuracy under 15 U.S.C. 1681. As stated in 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy regarding my financial information. Additionally, 15 U.S.C.1681 Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not include an account on my report without my explicit written consent. Furthermore, 15 U.S.C.1681c ( a ) ( 5 ) prohibits the reporting of any adverse informationexcept for criminal convictionsthat is older than seven years. Lastly, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers are not allowed to report information they know or should reasonably know is inaccurate. Given these protections, I request an immediate review of the listed accounts and inquiries. If they can not be fully verified with proper documentation, they must be removed. Please provide written confirmation of your findings and any actions taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my credit report and multiple times a XXXX account continues to report. All credit bureaus remove the account from my report but Equifax added it back on. They already investigated this matter and removed it but added it back on.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion Credit Bureau, I have contacted you several several times regarding the fraudulent hard inquiries on my credit report and sent you all the documents including FTC report to you. But didn't get any results, so I have to submit a complaint on you, since I couldn't get any assistance from you. These hard inquiries are fraudulent, I never authorized them Please delete the following hard inquiries from my credit fil : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, someone who knows me called up Chase bank in the middle of the night, and also XXXX, two banks in which I have savings accounts that are only in my name. That person fraudulently impersonated me, using my SSN, and also other private information and passwords.

During a telephone call, this person requested a telephone transfer of {$150000.00} from my personal savings account at Chase bank, on which I am the only signature, and had those funds transferred to a joint account in which we both have access to.

Immediately upon the transfer of those funds into the joint account, this impersonator removed all of the {$150000.00} from the joint account, into his business account, to which he is the sole signature, and then removed the entire amount out of Chase bank via cashier 's check.

I have the actual phone call of the impersonation and the telephone wire, I have all of the documents from various bank accounts to indicate how the money and where the money traveled, and I have a XXXX cellphone bill records indicating who made that call to Chase bank.

I filed a police report and I also filed a complaint with Chase bank, providing them all of this information. Chase bank indicated that it does not fall under their definition of fraud.

According to the law, the bank is FDIC insured and legally responsible to return money that was fraudulently removed from my account.

I am now reaching out to the cfpb to assist me and protect me from this fraud, and to reach out to the bank to take responsibility for the incident of allowing someone unauthorized to access my account.

The impersonator was intentionally trying to fraud the bank and to remove my money from my account, as he did the same thing at XXXX, to which I will also be sharing the evidence of those subpoenaed phone calls.

I am attaching the following documents : Chase phone call impersonation ( ** this file is too large to attach here, it's over 10 MB ) 3 subpoenaed phone calls from XXXX for impersonation on the same date ( ** this file is too large to attach here, it's over 10 MB ) XXXX cell phone bill, scroll down to page XXXX to see phone calls circled in red Money originating from my Chase bank savings account ( bank statement indicating " telephone transfer '' Joint bank account at Chase bank where the {$150000.00} went, also identified by " telephone transfer '' Business account of XXXX XXXX, where the {$150000.00} then traveled. 
Cashiers check for the amount of {$150000.00} The check deposited and bank statement in a new bank ( XXXX XXXX ) Police report filed at time of incident
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

XX/XX/scrub>XXXX  Opted-out third party reporting & Credit Reporting Updates XXXX XXXXXXXX XXXX XXXX XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Specific incorrect information incorrect name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - please remove all incorrect date of birth Non-Mailable addresses incorrect previous addresses incorrect Nonpublic Previous employers incorrect non-matching account XXXX XXXX incorrect Non-matching account types incorrect Non-matching account type - detail incorrect Non-matching bureau code incorrect Non-matching account status incorrect monthly payment incorrect Non-matching Date Opened incorrect non-matching balance incorrect No. of Months ( terms ) incorrect non-matching high credit incorrect non-matching credit limit incorrect non-matching past due incorrect non-matching payment status incorrect non-matching last reported date incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment incorrect non-matching two-year payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I ordered XXXX Upholstered Metal Chairs in Black in the amount of XXXX. It was delivered on XX/XX/XXXX. We were unable to use these chairs so we sent chairs back on XX/XX/XXXX which should have canceled any loans on these chairs. I started getting calls that a payment was due starting in XXXX and each time I stated that these items were returned. XXXX attempted to call them with me on the call that items were returned when we were told they could not verify me. XXXX finally took a look on their part and stated that yes 6chairs were returned and issued it in writing that it was not due. We kept calling Affirm stating that they should have received in writing that nothing was due. They agreed However, they still reported me thirty days late on a loan that should have never been. I have attempted several times directly with the company and the credit bureaus that this needs to be corrected and no one has done so.I have all information in writing and will be happy to provide upon request
Product: Money transfer, virtual currency, or money service

I have sold about {$27000.00} of crypto currency using Coinbase. 
The sale of the currency itself was fine, and I have been able to transfer it all into, which is sitting in my Coinbase wallet. 

However, I am unable to withdraw it from there. In order to withdraw money, you are required to verify a bank account with then, by using the account to make a deposit into your Coinbase Wallet ( in ). 

They state that this process will take 1-2 business days. 

On XXXX XXXX, 2018, I submitted a deposit from my bank account of XXXX, which reached my wallet within the day. Coinbase immediately credited my wallet with this, but my bank account was still marked as unverified, so I was still unable to make a withdrawal.

This was still the case on XX/XX/XXXX, so I submitted a support request. 

I received what I assume to be an automated response on XX/XX/XXXX. I assume it was automated because it contained instructions for making a deposit, something I had already done successfully. I responded immediately and pointed out that this was not my issue, and I had made a successful deposit already, but my accojnt was still not marked as verified. 

On XX/XX/XXXX I received another response. This one stated that my case had been escalated to a specialist, and contained additional advice for making deposits ( that I did not need, having made a deposit successfully ). It also recommended I check that my bank account was listed as a payment method, which it was, and I have checked every detail to ensure it is correct, which it is. 

I responded on the day, pointing out that everything was in order from my end, and I have sent several follow-up emails since. However, Coinbase have not yet responded to any of them. 

I would like to verify my bank account so that I can withdraw the 22,000 or so that is sitting in it. Every day they hold on to it is an additional risk, as exchanges are hacked and targeted all the time. I just want my money.
Product: Credit reporting or other personal consumer reports

Account : XXXXXXXX XXXX {$330.00} Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. 
So please do not respond by telling me that as a tactic to waste my valuable time. I did not apply for credit nor give consent for my information to be used, therefore these are fraudulent opened by someone using my identity and reporting it is a violation of the FCRA. I didn't enroll or apply for this. 
This is a violation of my consumer rights under 15 USC 1681b. I never gave consent to this being reported, therefore it is identity theft and under 15 USC 1681 c-1 and per 15 USC 1681 c-2 any item identified as identity theft must be deleted and blocked. Furthermore, Pursuant to 18 USC 8, I owe no debt. This com
pany is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself. These accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX )
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 generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. Please remove the following items from my credit
report immediately : Transunion Equifax Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted for an SBA loan back in XXXXI finally got to the actual loan acceptance timeframe.I filled out the paperwork and submitted last week.I got an email from the SBA loan officer.He stated that I had 2 issues I needed to resolve,1 was to make sure my name I submitted for the loan was the same that Is on my bank statement 2 was that Experian was not giving my credit report to him and they were reporting that I was a minor. Im XXXX  yrs old, and I have to resolve that issue with them before he would consider me for the loan. Ive tried ever number they have and the whole system is automated I can not get through to any type of customer serviceIm calling social security tomorrow Any thing else I can do Thank you XXXX XXXX XXXX XXXX