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

The law states that I the consumer requires written consent for my information to be furnish to any third party agencies. I never gave my consent to publish any information of mines, it is a direct violation of my rights according to 15 USC 1681B, please remove all files included in this report, in addition this is my second time requesting these items be removed and according to 15 USC 1681I The reporting agency that claimed items were verified did not provide anything in writing showing how items was verified and accurate. Because that information was not provided within a 30day time frame by law these items should have been deleted from report. As a consumer my character and rights has been violated and I DEMAND A DELETION OF ALL ITEMS IN THIS REPORT INCLUDING ( Dep of Ed ACCT XXXX XXXX XXXX, Department of Ed ACCT XXXX XXXX XXXX, Dep of Ed ACCT XXXX XXXX, Dep Of Ed ACCT XXXX XXXX XXXX, Dep Of Ed ACCT XXXX XXXX XXXX, IF not deleted I will be force to take Court ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I found items on my credit report that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 
1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. 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. 
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
Product: Vehicle loan or lease

In late XX/XX/XXXX I was approved for an auto loan with XXXX XXXX. In the loan docs they indicated that if they were " unable to register my vehicle I would receive that amount back ... '' ( because they have provided no service ). Almost every other day I get an email indicating I have " registration issues/flags that need to be cleared .... '' before they can register the vehicle. I am aware of that ( additionally when the rep came to my home to deliver the new vehicle she also indicated that " I could register the vehicle myself and they would give those funds back to me '' ). I even called the company and told them this would take a while because I was a victim of fraud/identity theft and the person has over {$1000.00} in fines and fees that I can't afford to pay in whole at this time. I actually have to go into the MVA to clear those fines and then I can enter into a payment arrangement while at MVA. Also MVA would be able to register my vehicle in addition to purchasing plates. The company is finding any and every way possible not to return the funds to me. I even presented them with a page from their own contract and my signature stating such ... their response, " my Supervisor said that this isn't [ applicable ] in the situation so we can't refund the charge ''. It's just a lame excuse not to send the funds back to me. I told them that they, " should not have put that information in writing if that was the case ... ''
Product: Mortgage

I got phone call from Caliber Home Loans on XX/XX/XXXX. 
They told me that I was due for pay for XX/XX/XXXX, and my previous loaner XXXX XXXX XXXX transfer service to Caliber on XX/XX/XXXX. 
Actually I had already payed until XXXXBut Caliber said they didn't receive it, and asked me to called XXXX XXXX XXXX to make sure the transfer. 
When I called XXXX XXXX XXXX, and they told me the service had already transfer .But XXXX XXXX XXXX XXXXonfirmed I payed it already and payment due date is XXXX requested document for payment history, statements and bank transfer history, and upload to Caliber website, but Caliber 's manager doesn't want to help me and still told me They will not use my documents to change anything.And Caliber asked to call XXXX XXXX XXXX  to FAX them.But now they still said it's not their problem and push to XXXX XXXX XXXX.The same thing when I called XXXX XXXX XXXX  they said they transfer everything very detail it's Caliber 's problem.They even don't want to call each other to verify.I do whatever I can do now.No one can help me .They just push.I need help because two accounts with two months payment it's around XXXX XXXX missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 5 years ago my personal information was compromised and my identity was stolen. Over the passed few years I have noticed inquiries on my credit that I did not authorize and had no prior knowledge of, Sometimes it was accounts ( cable, phone, utilities ) most were easy to prove fraud. 
Beginning in XXXX I saw these instances become more frequent for a while it was over 30 per week. Whenever I learned of these I would contact the companies extending credit and notify them of the fraud. 
In XXXX I began to notice many apartments showing up, many of which were actually signed leases in my name and some were just applications. A lot had utilities connected in my name as well. 
Last year, I learned a XXXX person named XXXX XXXX was arrested in XXXX FL for fraud and counterfeit charges I contacted the apartments and learned he was claiming to be me and had an apartment in my name that was in default, he was giving the office fake checks to pay rent and was thousands of dollars in debt in my name. 
I have police reports and FTC filing but can get nowhere with the bureaus, collection agencies or creditors. 
I need assistance getting my life. Back. 
The companies are : -XXXX XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XX/XX/XXXX {$4600.00} 2 ) XXXX  XXXX XXXX XX/XX/XXXX {$270.00} 3 ) XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX {$370.00} 4 ) XXXX   XXXX XX/XX/XXXX {$320.00} 5 ) XXXX XXXX XXXX XX/XX/XXXX {$100.00} - XXXX XXXX  XXXX 1 ) XXXX XXXX XXXX XX/XX/XXXX {$3300.00} - XXXX XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XXXX   XX/XX/XXXX {$4700.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} -XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$450.00} XXXX XXXX XX/XX/XXXX {$300.00} These are the ones currently showing. Some of these have part my correct info and some inconsistent. I need help reclaiming my life. I have statements, FTC Filing and police reports but I cant get the bureaus, agencies or creditors to help me. 

Can you assist me?
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of my Auto Loan account number XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Auto Loan have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Debt collection

In XXXX  I got XXXX XXXX. I paid them for 3 months straight directly by using the phone number payment. Someone got into my account and reversed the payments multiple times, causing XXXX  to flag my account and contact me. We closed the account and opened a new one. No issues on the new account. But now 2 years later, after already disputing and resolving with another credit collector, XXXX got a new company collector and theyre trying to ruin my credit again and come for the funds that were disputed and closed. This is the second collection agency coming for me, for the same thing that was already disputed for fraud. I have spoken with multiple XXXX representatives and they told me everything was okay. I have perfect credit for being XXXX and im not going to have this fraud continue to cause me issues when it was solved 2 years ago in XXXX  when XXXX notified me of the activity in my account.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and deleted on my credit file XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company SANTANDER CONSUMER CO, has put an account on my credit file without my consent which is illegal and constitutes Fraud, .the reporting of this account is also in violation of FDCPA and FCRA rules and regulation and Copyright Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now my second request for your agencies to remove two items that I am not responsible for I have request prior and they are still listed There are two accounts that do NOT belong to me which are XXXX # XXXX XXXX XXXX # xxx I am NOT liable for these two accounts these need to be removed off of my personal credit file. 

I have already mailed two request also this needs to be addressed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

see ftc FCRA violations : CREDIT SYSTEMS INTL IN Original creditor : XXXX XXXX {$410.00} Balance updated XX/XX/2021 2021
Product: Debt collection

In XXXX of 2018 I visited XXXX XXXX XXXX XXXX and provided all copies of my insurance at the visit. Due to error on their end Ive been charged a debt that should have been covered by insurance.
Product: Mortgage

Wells Fargo forced me into a short sell during XXXX, tried to work with the bank. I had to pay for a lawyer and deleted 401k to cover expenses. Wells Fargo, would not let me get a conventional loan and added a HELOC. The HELOC kept increasing making it impossible to pay and I could not switch to an alternative financing. Short sell hit my credit report and the 401k was considered a salary by IRS and had to pay additional taxes and penalties on the early withdraw.
Product: Checking or savings account

Paypal, held funds, started bank transfer, then denied bank transferred, charge fees and canceled transaction. Spoke with XXXX and her supervisor on XX/XX/2018, but they also denied to help correct the issue. 

Transaction details Print Withdrew Funds to a Bank Account XX/XX/2018 at XXXX XXXX PSTTransaction ID : XXXX Payment Status : DENIED Gross amount - {$100.00} USD Your Payment Gross Amount- {$100.00} USD PayPal Fee {$0.00} USD Net Amount- {$100.00} USD Contact info Bank Account Funding details Funding Type : Bank Account Funding Source : {$100.00} USD - THE XXXX ending in XXXX Funding Type : PayPal Balance Funding Source : - {$100.00} USD - PayPal Account Need help? 
Go to the Resolution Center for help with this transaction, to settle a dispute or to open a claim.
Product: Debt collection

Sued and garnished for over {$6000.00} by XXXX XXXX XXXX. I believe used illegal collection tactics. Without legal notifications. I have court XX/XX/2023 with this collection company. Look forward to disputing the claims in court. No surprise that this company is currently under investigation. Typical behavior from a company that will do almost anything for the almighty dollar. Hope this company is investigated thoroughly.
Product: Mortgage

I am an XXXX in XXXX and am submitting this CFPB Complaint on behalf of my client, a homeowner in XXXX, NJ ( XXXX County, XXXX ). My client owns a home on which he has an outstanding mortgage obligation - amount currently due is approx. {$440000.00}. The mortgage Servicer is Nationstar Mortgage LLC ( XXXX, XXXX ). Despite our efforts to obtain a mortgage modification, we have encountered extreme difficulty in dealing with Nationstar, the mortgage servicer. On XXXX XXXX, XXXX, my client submitted HAMP paperwork in order to apply for a modification ( previously, paperwork had been submitted on numerous occasions, but on each such occasion, Nationstar denied the application due to an alleged document deficiency ). Through our XX/XX/XXXX submission, Nationstar finally acknowledged our completed submission. By all accounts, my client should rightly qualify for a mortgage modification - his current mortgage outstanding ( including interest and fees ) is approx. {$440000.00} and my client earns in excess of $ XXXX / per annum. Furthermore, my client carries little to no additional consumer debt ( no car loan, little to no credit card debt, no student loans, etc. ). Despite this, in XXXX XXXX, Nationstar notified my office that my client 's mortgage modification application was being denied, due to various reasons, each of which was inaccurate and/or nebulous and without grounding in actual fact. On XXXX XXXX, XXXX, I filed a formal Appeal Letter with Nationstar in order to dispute its modification application denial, and in so doing, raised a number of questions and attached key supporting documents. To date, Nationstar and its counsel have failed to the substantive questions that I raised through the XXXX XXXX, XXXX Appeal Letter. These questions included, but were not limited to, inquiries on : ( i ) the ostensible owner / holder of the Note ( Nationstar is only the Servicer ) ; ( ii ) the additional expenses per DOJ guidelines used by Nationstar in bolstering its assertion that my client has negative debt to income due to various expenses ; ( iii ) a complete list of all expenses and corresponding amounts used by Nationstar when conducting its HAMP analysis as to my client 's eligibility for a potential modification ; ( iv ) a complete copy of my client 's Loan File ; ( v ) language in either the MHA Handbook or Nationstar 's Servicer Participation Agreement which arguably allows Nationstar to deny my client for a HAMP Tier II modification by unilaterally rejiggering the interest rate as though the ARM loan was current. At this stage, the situation calls for immediate oversight and assistance from the CFPB - earlier today, my client received a Notice of Sale in his mail from Nationstar 's counsel indicating a foreclosure sale has been set for XXXX XXXX, XXXX. I have advised my client of his XXXX ( XXXX ) statutorily mandated sale adjournments of two ( 2 ) weeks each. Thank you in advance for your time and attention.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Credit Act this creditor has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. My XXXX account is reporting as late, please remove these late payments immediately. My XXXX account is reported as late, please remove late payments immediately. My XXXX XXXX is reporting late, please remove these late payments immediately. My XXXX is reporting as late, please remove these late payments immediately.
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 # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

Today, XX/XX/2019 we used a service on our XXXX XXXX app called XXXX. We used it to attempt to buy concert tickets for {$150.00}. We foolishly believed it to be safe because it was offered through our own bank and was offered on the app as a safe and secure way to send money. Immediately after sending the money the person offering the tickets dissappeared. At this point we looked in to XXXX online and discovered the multitude of scams. We called XXXX XXXX and filed a claim but they said there really isnt anything they can do because we authorized the transaction. We tried to talk to XXXX and they said there is nothing they can do. I understand if we cant get our money back, but I find it shocking that they say there is nothing that they can do. I would think that they would want to try to track down the scammers and shut down their accounts. They didnt even bother to take down any information. If the scammers are allowed to continue to do this with impunity, it will just keep happening to unsuspecting victims. I dont understand why they wouldnt want to try to put a stop to this type of activity. Additionally, as a service that is provided through my financial institution and is touted as safe and secure I would think that my bank would want to make every possible effort to try to put an end to scams. They should definitely make it more clear that there is absolutely no protection, but additionally, they should actively try to peruse action against the perpetrators of these crimes. XXXX should be actively trying to shut down accounts of scammers. They should be attempting to prosecute these scammers. They should be tracking who is involved in these scams and they should be working to avoid letting them start new XXXX accounts. They certainly should not be telling people, This is your fault and there is nothing we can do.