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

I request Physical Verification of this debt that was report to my credit by XXXX, Experian and XXXX. I got the same respond back they investigate is and a physical and the court report this true and accurate. I send the same letter to the bankruptcy and there finding was they never report that information to my credit report at all. I have attached the letter from Bankruptcy Court. The information that XXXX, Experian and XXXX say had been verifiable was not even report by the court. 

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Reporting agencies must not disseminate outdated negative information. 

Violation ( s ) : Reporting agencies give inaccurate financial information about you.

Agencies fail to follow guidelines for handling disputes.

Reporting agencies providing information to unauthorized persons or businesses. 

Please remove this from my credit report because is a clear violation of fair credit reporting act.
Product: Money transfer, virtual currency, or money service

I joined Paxful to transfer my remaining bitcoin from XXXX to cash out and one of their users who was using the name XXXX was using their platform agreed to give me real cash in exchange for the Bitcoin I had but he has not released my funds to the detriment of my finances. 

This is a totally serious issue as that was my remaining Bitcoin after the horrible ordeal I had encountered with other scammers. The Bitcoin I transferred to XXXX  was equivalent to XXXX AUD, this has taken a toll on me and I just want to get my money back. I am getting broke and I do not know which website is ok and why this all is happening everywhere.
Product: Debt collection

After reviewing my consumer report, I've noticed that there is a collection agency reporting alleged debt that is unauthorized to be reporting. The company Jefferson capital has contacted me numerous times regarding debt in which they obtained without my consent. I understand that I have a right of privacy and no company may share or obtain my personal information without my consent. This creditor is said to be collecting debt on behalf of another company but they were never given the consent. which violates 15 U.S. Code 6801 - Protection of nonpublic personal information. I have no knowledge of the collection agency that's asking me to pay this alleged debt nor do we have any contracts or agreements that make them eligible to report this debt. How can I owe on a debt that. isn't verifiable nor properly authorized to report. The negative account that they're reporting to my credit is impairing my ability to obtain potential relationships with any future lender or institutions. Violations committed by the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the XXXX complaint about the credit bureau I am having hard time with experian report there's a free things reporting to the credit bureau and they refuse to remove it the only thing should be in m y credit report should b e my loan for my car payment XXXX XXXX co l Account # XXXX Address is XXXX XXXX XXXX XXXX, fl XXXX -- -- - this is not my account i never open a XXXX account please i asked them for proove nover was sent to me its been XXXX. 

XXXX XXXX XXXX c Account XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone # XXXX XXXX XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX XXXX, PA XXXX Amount {$760.00} XXXX XXXX was deleted from XXXX & Transunion which i sent a copy of the letter i received from the company XXXX XXXX XXXX still not removing this from my account XXXX XXXX XXXX XXXX the all one company different name i recieved letter from them account was delete but the credit bureau never remove them.
Product: Student loan

I attended an online school but did not finish. I withdraw from it. I did not receive a loan agreement to how much I will be paying for how long. My loan provider gave me a outstanding balance of XXXX plus which I can not pay long term. XXXX yrs. Which I will be retired with no money broke, by he time I am done. I lie by myself in a high paying rented apartment, with no help. I have a learning XXXX plus anxiety.
Product: Debt collection

The credit card on the account is a XXXX XXXX account in which my mother opened back in XXXX, I never had knowledge to this at all until about XXXX in which I received letters from debt collectors stating I had to pay a fee of XXXX due to the account being closed. 
My name is XXXX XXXX I was born XX/XX/XXXX I am now XXXX years old back in XXXX I was XXXX years old. My mother held my identification and social security numbers and did fraudulent activity in my name and I have repeatedly tried to contact the company about this, even mailing them the papers they sent me back and yet still no response. They told me to file for identity theft and Ive also done that and yet no follow up. My situation even goes deeper as my mother uses food stamps in my name while in a different state, and also received my whole income tax return in XXXX without my knowledge not giving me a dime of the money I worked all year for. If I could get assistance with this situation it would be great Im tired of feeling like Im being pushed around by my parents and this company about this situation its seems they dont care if I was a child they wan na make me pay and Im not the person whose should be paying the debt owed.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with XX/XX/XXXX appropriate proof of the identity of the consumer ; XX/XX/XXXX a copy of an identity theft report ;XX/XX/XXXX the identification of such information by the consumer; andXX/XX/XXXX a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX : {$370000.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX Acount name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XXXXXXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I have a collection placed on my transunion by : XXXX. I sent a letter to the collection agency with a request for full debt validation on XXXX XXXX, XXXX. They received my request on XXXX/XXXX/XXXX ( I have all receipts sent by registered mail ). They sent back the total charges billed provider. However that is not a validation of the debt as described with the FAIR CREDIT REPORTING ACT. There is no description of services rendered, explanation of how the alleged amount was calculated including interest, no copy of any signed agreement between me and the billing agency, nor was a complete payment history present with the original creditor. I sent out another letter again, requesting for validation of the debt, they had thirty days to respond according to the Fair Debt Collection Practices Act. They received the second request on XXXX/XXXX/XXXX and never responded. I sent the receipts and a letter to transunion that the thirty days passed and I received no validation of my debt and I had asked transunion to remove this collection immediately. Transunion however did not delete it from my credit and wrote that it has been updated to be removed in XXXX. This is not a valid collection and it needs to be removed of my credit, there are many violations in place here.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. this practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. furthermore, Equifax 's actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( File XXXX ) a against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Vehicle loan or lease

On XX/XX/2020 I made a payment of {$4500.00} instead of my monthly car payment of {$450.00} in error. I immediately contacted Ally Bank, the company I make my car payments to and they stated I would receive a refund by XX/XX/XXXX. In the meantime, I continued to make my monthly payment ( {$450.00} ) for XXXX. And as of today, XX/XX/XXXX, I still have not received my refund and have been given the run around for weeks. I also made my monthly payment ( {$450.00} ) in XXXX as well. 

As you can imagine, I have anxiously been awaiting my refund for the over payment and multiple individuals have been able to track down the over payment, but unable to assist me in getting my refund. 

For example, today, XX/XX/XXXX, I spoke with XXXX from " Ally Bank '' ( XXXX ) XXXX XXXX who shared there was a check issued to XXXX XXXX with the payment referral # XXXX. She transferred me to XXXX, also from Ally Bank. XXXX confirmed a check was issued to XXXX XXXX. XXXX also shared a reference number of XXXX. Together we contacted XXXX XXXX. 

XXXX at XXXX XXXX informed XXXX that she does not handle this account and refused to do anything, but suggested an investigation might be necessary, but she had no record of this transaction. XXXX recommended another department to contact. XXXX and I were then transferred to XXXX at XXXX  XXXX. XXXX could not help and we were then transferred to XXXX who stated we had the wrong department ad said she could not assist us. 

With no other options I contacted my bank XXXX and spoke with XXXX. XXXX was unable to assist me so I was transferred to XXXX. XXXX at XXXX instructed me to contact XXXX directly because the refund check should have been issued to XXXX, not XXXX  XXXX. 

I then called XXXX at XXXX and spoke with XXXX. There was no information available about this matter. 

I called Ally Bank back again and spoke with XXXX ( female ). She confirmed a check was sent to XXXX and I then asked to speak with a supervisor. She tried for several minutes to identify a supervisor unsuccessfully. 

Since mid XXXX I have been waiting for a refund of {$4500.00} and a check was issued, just not to me. It is crucial that this matter be resolved and the fraudulent process be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my XXXX XXXX and Trans Union credit report are fraudulent accounts and is the result of identity theft : Collection Account : XXXX XXXX, XX/XX/XXXX, {$220.00}, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Account : XXXXXXXX XXXX XXXXXXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is still reporting something on my credit to rental companies that was deleted from my public records and was closed in court. I would like to sue after being denied twice after informing them of this problem is still reporting they deny it is keeping me from being approved but it clearly is the reason Im the adverse action letter.
Product: Student loan

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below are reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed items which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following items completely from my Credit Reports : XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date XXXX inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX.
Product: Mortgage

The mortgage company I am filing this complaint is First Community Mortgage Company. The Loan # is XXXX. The mailing address is XXXX XXXX XXXX XXXX XXXX, TN XXXX. The phone number ( XXXX ) XXXX The email address is XXXX On XX/XX/2022, I accidentally made two mortgage payments. When I really the mistake I called the mortgage company and requested a refund. The person that I spoke with confirm the two payments were posted. The person with the mortgage company went on to say that I needed to go to my online bank account and download a pdf file showing that the funds came from this account. I stated to the mortgage person that what she was requesting didn't make since because she stated the funds was posted. She went on to say that this was the only way a refund would be allow. I went on my online bank account and couldn't find what she had requested in the download pdf file with my XXXX  XXXX XXXX account. The next day XX/XX/XXXX I call XXXX XXXX XXXX to assist me in this matter. The XXXX  XXXX XXXX person was unable to find what was requested of the mortgage company. During my conversation with the bank employee that we decided to call the mortgage company for farther assistance. The mortgage company employee told my bank person the same request. The bank employee informed the mortgage person that a pdf file couldn't be done and that would a fax copy be acceptable and she said yes. The bank employee sent the fax while we were still talking to the mortgage company employee. Yesterday XX/XX/XXXX, I received a call from the mortgage company saying that a refund would not be paid until they received the pdf file from my online bank accounts. I informed her that I had gone through this 2 weeks ago and that my bank to talk to their mortgage company. She said without the pdf file email to them no refund of funds will be paid. I have been paying this mortgage the same way online for years. XXXX  XXXX XXXX is the only bank that I have in which to pay my mortgage. This is crazy, the mortgage have the proof that I made the two payments but refuse to refund me the overpayment.
Product: Mortgage

Nationstar Mortgage LLC d/b/a Mr. Cooper purchased a mortgage for a property from brokerage firm XXXX XXXX & XXXX XXXX XXXX XXXX 

Despite having insurance for this property from the time at the homes purchase, and providing Nationstar Mortgage LLC evidence of this, they failed to make insurance payments on my behalf to my insurance provider, XXXX XXXX, resulting in my account going into delinquency and forcing me to pay this amount out of pocket.

Nationstar Mortgage LLC later purchased 'forced insurance ' on my behalf without proper notice, an ultra high price policy that was an unreasonable fee, above the principal and interest on my mortgage.

When providing them additional evidence with my insurance broker, they apologized that they were 'getting several calls like that ' and 'had an issue with their system '. I then instructed them to remove insurance from my XXXX  because I and my insurance broker on the recorded call stated I had personally paid out of pocket for my insurance policy. 

After this meeting, Nationstar Mortgage LLC claimed to have made a XXXX payment to my insurance company which included policies for three other properties they were not a lender of and I had also already paid. This amount was not due or requested, yet the forced this amount out of my XXXX payment despite me having told them to remove it. 

To this date, the have still not refunded me for the forced insurance they wrongfully purchased, nor the XXXX XXXXhey claimed to have paid, despite my broker telling them I already paid this amount out of pocket and have still not removed the insurance XXXX fees from my XXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under IC System Inc. and requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting or other personal consumer reports

I'm reaching out to report an unauthorized inquiry on my credit report, which I believe to be fraudulent. I recently reviewed my report and noticed an inquiry from a company I haven't engaged with, nor have I applied for any new credit or given consent for this check. This unexpected activity is very concerning, as I take my financial privacy seriously.
Product: Payday loan, title loan, personal loan, or advance loan

I've recently purchased my annual free credit report and noticed unauthorized inquiries on my report. I have credit cards and other accounts in my name that I do not recognize. I know it has to be something I can do in-regard 's to removing these hard inquiries. According to the Fair Credit Reporting Act, Legally these unverified & unauthorized items must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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

I sent a certified letter to XXXX, XXXX, and XXXX  on XX/XX/XXXX informing them of several discrepancies that Conn 's was reporting to my credit profile regarding the date of last activity, date of last payment, date opened, account status, account type, account number, payment status, and payment history section of the listings. In addition to reporting discrepancies, this account was paid in XX/XX/XXXX, yet they continued to report payment history through XX/XX/XXXX. Conns was notified by the bureaus and they failed to perform a proper investigation and failed to fix the errors in which they were informed. Conns neglected to fulfill their lawful obligations and did not perform an honest investigation and continues to report inaccurate information to the credit bureaus after being notified.
Product: Credit card or prepaid card

Your recent claim stating you validated regarding a closed auto loan account # XXXX, which you claim I owe {$10000.00} and a closed credit card account # XXXX which you claim I owe {$10000.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I have mailed out once again a certified letter tracking # XXXX stating this request. I have also talked to Navy Federal Credit Union agent of this matter and sent police report, affidavit, id, proof of address.