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

I checked my personal credit report, which I acquired from the Experian and I noticed that this unauthorized inquiry had been made : XXXX XXXX  Check Cashing Service Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXk XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX  Complete Department Stores Inquiry date XXXX XX/XX/XXXX I have contacted each creditor/furnisher, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report to my address. I am a natural person consumer pursuant 16CFR 433.1 ( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use. There is no consumer credit contract pursuant 433.1 Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$1200.00} XXXX XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

REPEATED CALLS FROM THIS COMPANY SAYING THAT THEY ARE TRYING TO COLLECT A DEBT.. THAT THEY WERE TRYING TO COLLECT A DEBT THAT WAS WROTE OFF BY THE ORIGINAL CREDITOR WHICH THEY GOT A TAX BREAK ON SO NOW MEDICREDIT IS COMMITTING TAX FRAUD AND BREAKING HIPPA VIOLATIONS XXXX HAVING MY PRIVATE RECORDS ON FILE WITHOUT MY CONCENT
Product: Debt collection

The company is reporting a debt to my consumer report that isn't mine.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I called MoneyLion because their app was not working correctly to process missed payments via Debit Card as usual. When you add the payment method and attempt to make the payment, the following error occurs : " It's not you, it's the internet! Looks like your request timed out, let 's try again! 

I called and was advised that only a supervisor was able to process debit card payment yet, no supervisor was available. It took 3 hours to get a supervisor. Then the supervisor who called me was still not able to assist me as she stated that her access was limited. I then was transferred to another supervisor after over 30+ minutes. The supervisor was rude with an I don't care attitude when I tried to share my experience with her. I told her that I needed to process my missed payments with debit card, payoff loan, and withdraw from investment account as I was assured that this could be done on a recorded line. The payment for membership was processed first. She then processed the loan payoff. However, I don't think that she processed the missed payment as she should have because it is still showing missed although the loan is paid off. I did the withdrawal successfully. 
However, when I tried to apply for a new credit builder plus loan, I get a message that says, " It's not you it's the internet! Looks like your request timed out, let 's try again! '' My app is up to date, I have signed out and signed back in, power cycled my phone, and closed and reopened the app. I advised the agent of this and she didn't seem to care as I was did this all because I needed a new loan that is now not working for me and I still have yet to receive assistance with this issue. She advised that she opened a case with engineering ( XXXX  ). 
I can use XXXX but the repayment date is wrong which I have seen this happen before as well. This company is not ran well. I was on the phone for over 3 hours collectively yesterday with transfers and hold time only to still not have a resolution. 
I called back today and so far the same experience when calling when they opened at XXXX Eastern and so far I have been on the phone for over an hour with nothing accomplished. I am listening to hold music while I type this complaint that has not been addressed.
Product: Credit reporting or other personal consumer reports

XXXX has failed to properly investigate or show proof that they verified this account and that it is accurate and complete. The first credit cooperation account on my credit report XXXX is reporting in accurately and clearly violates FCRA.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF XXXX XXXX XXXX XXXX XXXX AS TRUSTEE IN TRUST FOR THE HOLDERS OF XXXX XXXX XXXX ASSET-BACKED CERTIFICATES, XXXX XXXX, Plaintiff, vs. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX, Defendant Case No. : XXXX REQUEST FOR PLANITIFF TO PROVIDE INFORMATION REQUESTED TO THE NEW YORK STATE ATTORNEY GENERAL I am the defendant XXXX XXXX appearing pro-se. I have been unsuccessful in trying to obtain an attorney because I am XXXX. I only have enough money to live on and pay my monthly bills. 
XXXX XXXX XXXX XXXX AS TRUSTEE IN TRUST FOR THE HOLDERS OF XXXX XXXX XXXX ASSET-BACKED CERTIFICATES, XXXX XXXXXXXX and XXXX XXXX  XXXX XXXX, AS TRUSTEE, IN TRUST FOR THE HOLDERS OF XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SELECT PORTFOLIO SERVICING, INC. Do not have any rights to XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. The only bank that have rights to my home is XXXX XXXX XXXX XXXX XXXX because I have a home equity loan with them. 
I paid for my home when I got a settlement from my workers compensation case {$81000.00} after my attorney fees XXXX XXXX. I paid XXXX XXXX XXXX XXXX. on behalf of Select Portfolio Servicing. The New York State Attorney General is now involved and XXXX XXXX XXXX XXXX XXXX because I am a XXXX XXXX XXXX XXXX. The have labeled this a scam and they are requesting information. The New York State Attorney Generals Office told me to ask the Plaintiff for this. I expect this to be supplied to immediately. They are going to investigate it again because XXXX XXXX XXXX took my money. Attorney XXXX XXXX never responded to my emails. When I called her, she told me I had to send her a letter. I am asking the court to make her, and her clients provide what I need so the New York State Attorney General can investigate this case again. Please see attached email request for information. 



1. Names and History of Banks That Claimed the owned the Mortgage? 

2. Who is SPS currently servicing for this Mortgage? 

3. Names of All Attorneys Used To Try to Foreclosure On Mortgage? 

4. Note?

5. Rider ( s )?

6. Mortgage/Deed of Trust?

7. Truth in Lending Statement?

8. HUD-1 Settlement Statement?

9. Verification of Mortgage?

10. What was XXXX XXXX XXXX Fee? 

11. Proof of Monies collected by XXXX XXXX XXXX Firm? 
XX/XX/2019 Defendant Pro Se REQUEST FOR PLANITIFF TO PROVIDE INFORMATION REQUESTED TO THE NEW YORK STATE ATTORNEY GENERAL - 1
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuits highlighting significant issues with the platform despite using zelle numerous times and reporting discrepancies my financial institutions and zelle failed to investigate claims this lack of accountability and transparency is unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the beginning is 2021 I have been working on increasing my credit score. 
I've signed up with XXXX, established chime account, car loan, XXXX and more. No foreclosures, no car repos, no evictions, perfect rental history, and all are paid perfectly. 
Why do I have a zero credit score? 
XXXX keeps emailing me about credit updates yet my score is zero. There's no viable telephone number to speak with them. Now, astonishingly, I was just denied a rental application. Can you help or show I file multiple lawsuits?
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times I have sent letters to Kia Motors Finance ( KMF ) attempting to have a negative report removed from my various credit bureau reports. I have owed KMF {$0.00} on an account that has been closed for more than a year. I have received letters from KMF stating that they sought more information in order to initiate an investigation on my disputed items. I have received their requests for more information with zero initiation or displayed efforts on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX all within 2020.
Product: Credit card or prepaid card

In XX/XX/2018, I discovered that my personal information was used to open a business credit card and used to attempt to open a business loan at Navy Federal Credit Union by my former employer. I contacted Navy Federal to inform them that the account opened and the account attempted to be opened was not mine and they sent me the proper documents to dispute the account and the charges made. After I successfully completed all required documents and they completed their investigation, they still ruled that the fraudulent account was mine, which indeed it is not. I have a police report and FTC Fraud affidavit and I would like them to stop badgering me for an account that was clearly opened fraudulently and I have the proper documents to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it my concern, i'm writing in regards to an account being reported on my credit report, the account being reported is missing numbers, so i can't identify the account. I wrote Trans Union and XXXX XX/XX/18 requested the contract with my signature and any other proof that binds me to this item and even so, that it's in their right to collect on this item being reported and their response was that they verified that the item belongs to me, i've yet to receive the contract with my signature as proof, i also ask that this item be removed or deleted if a contract can not be provided. The account in question is reported as # XXXX
Product: Credit reporting or other personal consumer reports

The following companies provided business credit to a company I own, the credit was for the sole use of the business. The credit cards reported to the business profile with Experian. The credit was open for at least XXXX years. At no point did the credit report to the personal Experian, XXXX, XXXX profile. The credit card companies never requested for a personal guarantee on the credit cards that were open. The business is currently in default and the credit card companies are now reporting to the personal credit profile. This is in violation of my consumer rights. I am in the process of getting a Consumer rights attorney to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( XXXX ) : XXXX XXXX XXXX XXXXcct # XXXX Amount {$950.00} - Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Joint Account Type Open Account Loan Type XXXX XXXX  Date Updated XX/XX/2022 High Balance {$950.00} Original Creditor XXXX XXXX XXXX  Past Due {$950.00} Pay Status >Collection<
Product: Checking or savings account

On XX/XX/, I opened a checking and a savings account at a Chase branch based on a targeted promotion I received in my email. The promotion said that I would receive {$300.00} bonus in the checking account when one direct deposit is made to the account within 90 days. I made the direct deposit within the time frame, but never received the bonus. 

Regarding the Savings account, the promotion said that I would receive {$600.00} bonus if I open both savings and checking on the same day and maintain {$15000.00} in the account. I have not received any bonus yet. I was told by the banker that I would only get {$200.00} because their marketing departing has an issue with the coupon code. I have tried to contact the bank multiple times and have not received any reply. 

Chase created the following case number, but provided no follow up : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, GLOBAL LENDING SERVICE Funding Account # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions. This company is under instigation and should not be reporting to my credit report
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 
I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX XXXX XXXX ACCOUNT # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Mortgage

I have  Ocwen as m y mortgage company, they are not applying my mortgage payments and keep mailing them back. They paid my taxes and I do not have them escrowed. they keep telling me I am 105 days late on my mortgage when I pay every month. I have been a nervous wreck over this in fear that they will start a foreclosure on my home. I can not attach any letters or correspondence that have been going back and forth, because there is a file folder very very thick. I kept everything. this has been going on for the past couple of years. I need help!!! I call them on a consistent basis and get nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX ( NATIONAL CREDIT SYSTEMS, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer Reporting Agency can not furnish an account without my Written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit Card account under open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Disclosure and Reporting of Personal Information To whom it may concern, I am writing to formally dispute information contained in my consumer report provided by your agency. Having recently obtained a copy of my consumer report, I discovered that non-public information about me has been disclosed to a non-affiliated third party without my written consent. This appears to be a violation of the provisions outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. According to my understanding of the Fair Credit Reporting Act ( FCRA ), I have the right to be informed about and control the disclosure of my personal information. The non-affiliated third-party disclosure in question raises concerns about my privacy rights, as I was never provided with an option to opt out, as required by law. Upon reviewing the report, I noticed that certain accounts were being reported without my written consent. I want to clarify that my dispute is not with the creditor but with your reporting agency for disclosing and reporting information without proper authorization. I refer to 15 USC 1681b - Permissible Purpose, which mandates that a consumer 's written consent is required for the reporting of personal information. As of now, I have not given such written consent, and I would appreciate it if you could provide proof of my consent to demonstrate compliance with this legal requirement. Failure to provide evidence of my consent could be construed as a violation of my rights under the FCRA. Moreover, I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter, I believe that the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, as it could be perceived as a form of identity theft. Under 15 USC 1681c-2, I am formally requesting the removal of the following accounts from my consumer report within four business days from the date of this letter : ( XXXX ) ( Date Opened : XX/XX/XXXX ) ; ( XXXX ) ( Date Opened : XX/XX/XXXX ) ; ( XXXX ) ( Date Opened : XX/XX/XXXX ) ; ( XXXX ) ( Date Opened : XX/XX/XXXX ) I assert my right to a fair and accurate credit reporting process, and I believe that the swift removal of these accounts is essential to rectify the reported inaccuracies. Additionally, I request that you provide documentation regarding your method of verification for the disputed accounts and records showing proof of giving me the option to opt out of the information being reported in my consumer report. This will help ensure that your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. I expect your prompt attention to this matter and the resolution of my dispute within the specified time frame ( 4 Business days ). Failure to comply with the provisions of the FCRA may result in further legal action. Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below 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: Mortgage

I recently executed a Deed in Lieu with Bayview Mortgage servicing ( XXXX XXXX had bought the loan from XXXX ). The date of the Deed was on, or about, XXXX/XXXX/15. I have heard nothing From the servicer or the Title Company since then and can not get them to record the document. 

I had kept the mortgage current for several years even though the property was " under water ''. By renting the home ; I was able to service the debt while still putting in additional cash. This situation became untenable when the loan became amortizing. I offered Bayview the opportunity to move the loan back to interest only and I would rent it and carry it for XXXX more years as the market recovered. They liked that plan but put my through the HAMP program. After months on information gathering, they determined the program was not available to me ... the reasons are still unknown to me. As the HAMP program only allows for interest rate reduction ( ( my rate was 2.75 % ) ; it did not provide me the relief needed to continue. The interest only model would have worked for both me and the Lender but I was told it was not allowed by the CFPB. 
Regardless, the best alternative for me was the Deed in Lieu, I am just looking for them to complete that process OR at least communicate with me.