23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least XXXX sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think illegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately. 

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 XXXX XXXX
Product: Checking or savings account

Chase bank refused to return my funds from a fraudulent business. A debt settlement company stole {$16000.00} from me. They had me pay a third party and the funds tight were supposed to be used to settle my debts were used as personal use when I contacted chase they gave me a partial credit but then took it back and over drafted my account. The payments were made by XXXX to another chase user so they could have easily taken the funds back from that account. We provided police reports and all complaints filed with the XXXX The owner of the debt collection company who I thought I was paying XXXX XXXX, has a federal XXXX charge for fraud he stole XXXX XXXX dollars from home owners and is federally ordered no business in the financial industry Case # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My personal XXXX with XXXX XXXX was transferred over to SoFi bank on XX/XX/24. I was able to establish online access to the XXXX in the SOFi portal and have an option to pay down the principal but I do not have the option to withdraw funds. I have tried to contact SoFi Bank multiple times in the past 10 days to resolve this issue. Their current hold time for the XXXX department is over XXXX hours. I have submitted multiple requests for a callback and the only time I was contacted, the line dropped and I was never called again. At this point, I have no access to my available funds and no way to have this issue resolved.
Product: Mortgage

My mortgage broker, Newrez, has sent two letters threatening to buy XXXX insurance for me, were I unable to provide documentation of my XXXX insurance, which is renewed yearly. The website Newrez provides in the letter ( s ) for uploading pertinent documents, XXXX, has been reading " error uploading data, '' for more than a month. I've logged in several times a week to attempt to submit the documents. 

Today, XXXX XX/XX/year>, I placed a call to the NewRez Mortgage LLC Insurance Department and stayed on hold for XXXX minutes to talk to a person because twice before I left my number asking for a " call back, '' when prompted, and I never received a call back. 

The employee I spoke with took all the information that I provided, permitted me to email the documents demonstrating proof of hazard insurance to him at XXXX, and after we spoke, and I waited some more, declared that he had successfully submitted the information for me. I thanked him profusely, told him he was doing excellent work, and also let him know that I am compelled to file a complaint with CFPB against Newrez for erecting barriers that prevent mortgage holders from providing the information Newrez requires. 

I am a retired person, able to spend hours fighting a system designed to prevent easy access. I'm making this complaint in the name of workers who don't have this luxury. Someone, somewhere has given up and decided to pay the {$1900.00} extra per year to Newrez because they aren't able to fight against the time and inconvenience barrier that Newrez has put in place to prevent mortgage holders from demonstrating their hazard insurance coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Medical debt from a car accident was paid by Insurance company but not recorded properly. Was then transferred to a debt collection agency ( ARC Management Group , LLC ) who was contacted by the insurance company at that time. Almost a year later a credit account with XXXX  was opened in my name for the amount of this bill and is reflected on my credit report. 

How can they use my SSN from my medical records to open an account in my name?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received alerts from the credit bureaus about new hard inquiries that I did not authorize. I contacted the creditors and was unsuccessful in trying to find out any information. I tried contacting each credit bureau and was unsuccessful in reaching a live agent. I am trying to be proactive in catching activity on my credit file before any real damage is done.
Product: Student loan

In XXXX, I graduated from an XXXX XXXX  from the XXXX XXXX XXXX. The federal government was the guarantor of my loans and they were distributed through Nelnet. When I graduated, I wanted to start making payments right away but was told by an agent in XXXX that I would need until the grace period ended in six months. I informed them that I wanted the ability to pay sooner and they said that was not an option. I waited the six months and accrued almost {$5300.00} in interest. When I called right before my grace period was set to expire, I was told by the agent that Nelnet was not picked as a provider for debt consolidation a month after I called initially and that I needed to go through StudentAid.gov. I filled out the debt consolidation form and learned that I could have started paying on my loans once Nelnet no longer offered consolidation. When I called them on XX/XX/year>XXXX  to ask them why they never sent a correspondence to borrowers about this change, I spoke to an initial agent who filed a complaint and then a supervisor who dismissed my argument despite admitting that they never sent any communication about this change. If I do not get this resolved, I will look to a lawyer to sue Nelnet for the damages that continue to accrue as a result of this failure to protect borrowers and do their duty in being transparent about their process.
Product: Credit card

I applied for the Chase British Airways Visa Signature Credit Card and it was declined to me on the basis that I have earned Cardmember Bonus on this card in the past 12 months. I have never owned this product. Chase sent me the letter declining the card and no where in the letter left a number where I can call to get more information
Product: Debt collection

Got a garnishment from job. The paperwork had date of XXXX XXXX, XXXX. The lawsuit was help in XXXX XXXX ( XXXX ) and I'm in Mississippi. I never gotten any papers served for court. I did filed bankruptcy but it was dissed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have received an email from Equifax stating that my personal information was hacked. this is the comments " XXXX XXXX Americans have had their personal and financial information compromised by hackers in a data breach at Equifax, XXXX of the country 's largest credit reporting bureaus " ..They provided a link where you can check if you was affected, which I did. 
XXXX : XXXX? XXXX % XXXX % XXXX % XXXX % XXXX & XXXX & XXXX & XXXX & XXXX & XXXX I did went to the website or link and entered the information requested : Last name and last XXXX digit of my SS # and after that said '' Thank You. Based on the information provided, we believe that your personal information may have been impacted by this incident.Click the button below to continue your enrollment in TrustedID XXXX. 
Enroll For more information visit the XXXX page. " Which I did. However, I am really worry that this data breach can be worst than I expected. Also, I do not for how long they will provide the TrustedID XXXX assistance which is not clear ... and I doubt it that they will provide the service or insurance for more than a year. Thanks and regards
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. 

1 ) Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX AN XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX ) XXXX XXXX5 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Debt collection

Nation Star failed to correct the dispute I have on dispute against them for the amount they said I owed them back from XXXX 2016. ( please look my letter I did on regards ) Please look for reference CFPB Case # XXXX I spoke with at least 2 representatives from the Customer Relations Department back in 2016 .They promised me to assist me to resolve it and it wont be any late payment fee, instead I been receiving collection letters, Today after i seen Inspections fee ( never took place ) and a late fee on the monthly statement I contacted XXXX at his number XXXX, he said in order to remove those late fees I have to pay the month of XXXX XXXX. *I told him I will formally dispute this Ilegal Charge and all the late fees on regards I been paying from XXXX 2106 up to date, You company never contacted me to resolve it. *Further I requested him formally to provide me a original Copy of power of Attorney from XXXX XXXX to NationStar giving the right to service this deed of trust, He said he will provide me a copy of the deed of Trust, and he said is not any regulation to force them to provide me one.I advised him it wont be acceptable to me I have the deed of trust by the way anyone can have a deed of trust and trying to collect from them. Now in hand I have a Document an email dated XXXX XXXX 2016 from the same investor XXXX XXXX to me saying : " XXXX is the servicer ''. It looks contradictory what NationStar pretending in take a title/capacity perhaps does n't belong to them. I will like the CFPB regulator look into this matter because i believe something is not right. lets remember this Servicing company has fined per this federal agency : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-nationstar-mortgage-flawed-mortgage-loan-reporting/
Product: Credit reporting or other personal consumer reports

My car loan with credit acceptance has been paid off.After speaking with credit acceptance over the phone they have verified that my loan is paid off and that the car was not repossessed.experian refuses to take the repossession off my credit report.This has been negatively impacting my credit score.The loan is XXXX percent paid off and the car was never repossessed.Insurance company paid for the car and the remaining balance was paid when the car was auctioned.
Product: Credit card or prepaid card

Sent several messages to various board members and executives and no response. Wells cashed my payment but did not apply it and then charged a late fee. See below From : XXXX XXXX XXXX Subject : Fwd : Due today : We haven't received your credit card payment Date : XX/XX/XXXX at XXXX XXXX EST To : XXXX Mr XXXX - Since XXXX I have consistently made this payment from my checking account at XXXX. The payments are on auto pay. Checks were cashed and credited to my account, no problem. See below- the XXXX payment was cashed By Wells on XX/XX/XXXX, but I received a past due notice. I emailed the Board and did not receive a reply. This week I received the XXXX bill with a past due late charge of {$38.00}. 
Two things please correct the XXXX record and reverse the late charge. 
Secondly I have a pending payment of XXXX for XXXX. Please see that it is proper credited to my account. 
Thank you. 

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

Despite the multiple written letters I sent to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Owed : {$6100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4400.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX. Your inability to provide me with needed documents to prove your claims that the disputed items belong to me should have resulted in the deletion of the items in question. I demand you to comply with the Federal law and have the disputed items removed at all cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed an erroneous account on my credit reports in late XX/XX/2019 that does not belong to me, I've been disputing this account with XXXX/XXXX XXXX XXXX XXXX for over a year. On XX/XX/2019 I was alerted via credit monitoring that the account was removed by Transunion, on XX/XX/2019 the account was magically re-inserted by Transunion ... 3 days later. wow ... .I 've reached out to XXXX requesting documentation on this account as well as Transunion , and have yet to see anything. Transunion has violated Section 609 ( A ) ( 1 ) ( A ) as well as Section 623 ( A ) ( 3 ), Of the FCRA .Wow re-insertion of the account with no notice or Explanation. My Attorney has all my paperwork and is preparing my legal situation with all parties involved. I will also be requesting full punative damages ALLOWED IN MY STATE. The FTC is also aware of the constant problem I have been having with Transunion/XXXX. Its very sad that We as consumers have to go through such things as this, and im quite sure im not the only one.
Product: Mortgage

My original loan has been sold multiple times over the years. 
Each time it does, the interest rate and fees increase.
Product: Debt collection

On or around XX/XX/XXXX I received a letter from XXXX XXXX XXXX attempting to collect on an debit owed to their client " XXXX XXXX XXXX ''. In a review of the letter and having prior knowledge that I was a victim of identity theft due to a home burglary I immediately contacted vie phone to notify the company of my dispute. In addition I wrote a formal letter including a copy of the police report and affidavit of forgery outlining the position of law enforcement and the ongoing fraud I was enduring. 

Subsequently, on XX/XX/XXXX I received copies of a bank statement from their client showing the incorrect address of record, incorrect phone numbers, and in addition they included a copy of a signature card with an invalid personal signature. Moreover, in my previous letter to this organization I explicit requested a photo identification validating any such claim which went with no vial. 

In closing, the company in question has violated the Fair Debit Collection Act and failed to provide any of the requested documentation. In addition the named collection agency has failed to accept a notarized police report and signed affidavit of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : - XXXX XXXX inquiry date XX/XX/XXXX - XXXX, inquiry date XXXX, XXXX, XXXX - XXXX, inquiry date XX/XX/XXXX - XXXX, inquiry date XX/XX/XXXX - XXXX XXXX XXXX XXXX, inquiry date XX/XX/XXXX - XXXX XXXX XXXX, inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 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, also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting

This is a three-part issue, consisting of XXXX different entities. XXXX LA, XXXX XXXX XXXX and Transunion are reporting long-standing debts that are not mine and constantly renewing the debt so it will not elapse. The totals are for : XXXX LOUISIANA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Last Reported XXXX XXXX, XXXX Creditor Name XXXX LA Account XXXX XXXX XXXX Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Total {$130.00}. 
Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Type Utility Company Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Total {$120.00} I have provided evidence to them that 1 ) the information they have is incorrect 2 ) that I have not ever lived in XXXX XXXX or XXXX 3 ) Have provided multiple copies of police reports, sworn affidavits from my employer where I was located ( in XXXX ) and they have refused to remove this information. I was the victim of Identity theft and provided multiple legal standards and to this day, they refuse to remove or work with me. This is direct violation of the FCRA and I want it removed. They additionally refuse to provide proof of any kind that I solicited service. Look at the dates, I cant not be at 2 places at once, canceling service days BEFORE I get service. 

Transunion refuses to vet the information and takes the creditor side of issues and WILL NOT accept any information regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting told that I have to talk to corporate. Corporate customer service is terrible. I was supposed to be contacted in seven to ten banking days and its been over twenty five days still no contact. They are saying that I owe them money and I say that the statute of limitations is over eight years. They stated I made a payment in 2005, which I never did. The bank had a class action lawsuit that paid me {$160.00}. They are ruining my credit report.
Product: Credit reporting or other personal consumer reports

Sent some Papers that was supposed to be debt validation, but it doesn't have my signature or my name. It has someone else 's name on there with their signature. Also it's reporting wrong dates from the paper they sent to me. I have disputed this account more than four times nothing happens Saying | owe {$1500.00}