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

I am writing to express my concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address these disputed accounts, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and adversely affecting my life. 

The inaccuracies in my credit report are causing immense hardships, and I am pleading for your immediate assistance in rectifying this situation. I kindly request a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT AND HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT.. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED EXTREME HARDSHIP, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PURGED OFF MY CREDIT REPORT.
Product: Mortgage

Nationstar Mortgage Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My name : XXXX XXXX E-mail address : : XXXXXXXXXXXX Phone number : XXXX XXXX XXXX Dubious Financial Practices and failure to post ypricipal as requested I have tried to modify this mortgage several times in the past but Nationstar would not allow me even after my wife died. I applied to refinance it and yet Nationstar refused to assist me. 

I have owned the property since XX/XX/XXXX and it remains on Adjustable Rate and the principal has remained same since then. 

Even though I applied for modification of the loan, when it was denied, Nationstars put the house on foreclosure. i had to pay back all the owed amount including the late fees when I appplied for modification, before the foreclosure was lifted Now I paid XXXX extra in XXXX XXXX and instructed Nationstars to apply this under the principal. The following day, I saw that the money had been divided into smaller amounts which they called legal fees and LATE FEES, I called and spoke to a lady who told me she has put in request to apply the posting towards my principal. 

I checked my account again today I noticed it had not been changed. I called Nationstar 's staff by the name XXXX, at about XXXX ET, who told me the amount was applied towards late fees and it would not be changed.or credited towards the principal as I requested I told him I have not made any late payment since the house was out of foreclosure and I had paid the accumulated late fees when I applied for modification. He insisted that my payments were late and when he went through my account he could not find any late payment and he now told me the amount was applied towards Corporate advance, which I am not aware of. I asked XXXX to let me talk to his supervisor, he kept me on hold for some time and later on hung up the phone at XXXX Eastern time.I have the following complaints 1 ) When I applied for modification and it was denied, I did not have to pay late fees but nationstar made me pay the late fee with the threat of foreclosing on my house after the death of my wife 2 ) I have Adjustable Rate and I am allowed to pay down the principal since my application for modification and refinance were denied. I request Nationstar to post my payment according to my request, towards principal reduction 3 ) Nationstar should reimburse me the money I paid on late fees when I applied for modification and it was denied 3 ) XXXX is unprofessional and rude. He should never hang up the phone on a customer. I have the right to speak to his supervisor if I am not satisfied with his response I would appreciate if my complaints arfe properly reviewed and a response sent back to me at XXXXXXXXXXXX Thanks.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) remove from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered fraudlent accounts and unauthorized inquiries and addresses linked to my profile. These are not affiliated with me, and I never authorized them. 
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 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 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 XXXXXX/XX/year>
Product: Vehicle loan or lease

I called requested the 1099-C for a vehicle that was repossessed. The customer representative refused each time I contacted them. Stating that they do not do that. Also the pursuit of this debt is more than 6 years old according to XXXX XXXX XXXX, XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to the day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these terms within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they 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

On XX/XX/2019 I received a review copy of my credit report from Experian after I requested a investigation. The results from that investigation showed that experian had deleted a chapter XXXX bankruptcy. On XX/XX/2019 I reviewed my credit report online from experian which showed the bankruptcy had been replaced back on my credit file. Per section 609 of the FCRA once an item is deleted without evidence of signed documentation an item can not be placed back onto a consumers credit once deleted. Why was this put back on after being deleted?
Product: Bank account or service

I banked with Ally Bank from XXXX until XXXX XXXX, XXXX the bank made the decision to close my checking account due to them allowing someone to transfer money from my account to another account. They reimbursed the funds to my account but now they are giving me the run around about my refund for the closing balance. I hhave been communicating with a XXXX XXXX who has told lies to me and her supervisor XXXX who has taken her word to be true my account was closed in early XXXX I was sent an email as notification and told on XXXX XXXX, XXXX the check for my remaining balance has been mailed I then ask to what address nd then informed it was mailed to my previous address to an address I had moved away from 6 months prior so the check was returned by the resident currently living at XXXX XXXX XXXX XXXX, XXXX but before that I informed XXXX that I was moving and when the check was returned if it could be sent to my new address XXXX XXXX XXXX at that point she required me to email her a copy of my lease which I reluctantly did since I was evicted from my previous address due to all the fraud which was allowed to my account she informed me that on XXXX XXXX the check was returned to the back after I had wait per her instructions not to call back until XXXX XXXX which I call back on XXXX XXXX I am bein given the run around and about to be evicted a second time I am a XXXX vet and do not have the income to be going thru this XXXX money all I want is to get my money and I am done if they continue I want have an address to send it to I will be on the street
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic funds transfer act ( EFTA ) and regulations E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Student loan

The company suddenly moved my existing loan account to a new account without informing me. Due to this I was not able to pay some of the due amount earlier because I was not able to access the account for some period and had to pay extra interest for the month of XX/XX/2019. 

After several weeks of trying to reach them I was able to get access only at the end of XXXX. I was told to create a new account and that my loans were migrated to this account. This was done with zero notifications to me. Even when I finally gained access to this new account, I am missing all loan documentation which was there in the earlier account.. 

I have attached screenshots of multiple days when nothing showed up on my loan account, screenshot of a page from earlier in the year ( when loan details come up ) and loan document, which I had saved earlier in the year to establish my authenticity.
Product: Credit reporting or other personal consumer reports

I have been trying to access my XXXX XXXX from Experian and from my thinking Im thinking it supposed to be free from Experian app so when I login they charging me {$24.00} and they keep trying to charged my XXXX XXXX on a daily they do this every day usually I didnt have to pay so its stuck on a payment its like they demanding payments with either charging my card.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Debt collection

I have sent letters of dispute to this company requesting for valid validation and they laughed and hung up on me. they have reported this on my credit report. They refuse to give me who the client is. I have requested over and over to remove this debt I do not owe. I have never ever received anything from this company. except calls and hangs and call after XXXX. I have informed them if they do not remove this account that I do n't owe I will hire a lawyer they told me if I can afford this then pay my bill. I tried to speak with several different people that have names they refused to spell. I had attorney draft a letter and she spoke witl XXXX XXXX who told her they never got a letter., We have a copy of the signed certified letter. This is just another tactic of their violation of the FDCPA
Product: Credit reporting or other personal consumer reports

In accordance withthe Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX Has violated my right

15U.S.C 1681Section 604 A Section2 it also
State a Consumer Reporting Agency cannot Furnish a account without my written instrutions
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not approve these XXXX or so inquiries on my credit report this has caused me absolute financial difficulty please remove these asap ... .this is a violation of my rights under the fcra
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. OnXX/XX/2021 Transunion added a derogatory mark on my credit report showing a bankruptcy being furnished from the courts, But TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by Transunion has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA TransUnion has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus continue to allow XXXX XXXX to report a {$3600.00} collection account on my credit report, when the debt does not exist. I have contested the debt with XXXX XXXX and demanded documentation to show that I have any debt with their institution. Despite multiple requests, they have yet to provide any of the documents requested. Meanwhile, I continue to contest the debt with the credit bureaus, but they just keep verifying the debt to them. I sure would like to see what they're sending to the credit bureaus to verify this bogus debt, because they refuse to send me anything about it.
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX, 2024 ( today ) I received an email from XXXX XXXX that there was a recent hard inquiry on my credit. When I logged in to check details, I see there was a hard inquiry from today, XX/XX/year> from XXXX ( Bank ). This is not me or anything I've applied to. I crossed referenced other credit bureaus and did not see it anywhere else. 

I first contacted XXXX XXXX who direct me to contact TransUnion who they use to file the claim of a fraudulent inquiry. Once that was filed, they directed me to file a claim here as well. Again, this is only showing on TransUnion and no other bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

These lenders have accessed your credit file : TRANSUNION XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX These lenders have accessed your credit file : XXXX XXXX  XXXXXXXX XXXX  Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XXXXXX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I am filing a formal complaint against Credence Resource Management for repeatedly reporting a fraudulent debt to my credit report. Despite my previous complaints to the CFPB, which have resulted in the removal of this false debt, Credence continues to re-add it under varying amounts. This is a clear case of harassment and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting immediate and permanent action to prevent further harm to my credit and personal well-being. 

I have no connection to Credence Resource Management and have never had any business with them. The debt they claim I owe is not mine, and I refuse to provide any documentation to prove this, as I should not have to dispute a debt that was never valid. Furthermore, each time Credence re-adds this fraudulent debt, they alter the amount owed, further proving their deceptive and unlawful practices. 

Violations Committed by Credence Resource Management : Violation of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681s-2, creditors and debt collectors are prohibited from furnishing inaccurate information to credit reporting agencies. Despite prior removals, Credence continues to knowingly re-add false information to my credit report.

Under 15 U.S.C. 1681b, a company must have a permissible purpose to access or report information on a consumers credit file. Since this debt is not mine, Credence has no legal right to repeatedly report or re-add it.

Under 15 U.S.C. 1681c, outdated, inaccurate, or unverifiable accounts should not be reinserted into a credit report without proper verification, which Credence has failed to provide.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) Under 15 U.S.C. 1692d, debt collectors are prohibited from engaging in conduct intended to harass, oppress, or abuse any person. The continuous re-reporting of a non-existent debt, despite CFPB intervention, is clear harassment.

Under 15 U.S.C. 1692e, it is illegal for a debt collector to use false, deceptive, or misleading representations in connection with debt collection. Credence has altered the alleged amount owed multiple times, which is deceptive and unlawful.

Under 15 U.S.C. 1692f, debt collectors are prohibited from using unfair or unconscionable means to collect or attempt to collect a debt. Repeatedly adding a fraudulent debt to my credit report is both unfair and an abuse of consumer rights.
Product: Credit reporting or other personal consumer reports

My aka name, current previous address, cell number, employment history, account ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - not mine ) mixed with someone.
Product: Credit reporting or other personal consumer reports

I pulled my credit report on identity q when I noticed some information being reported inaccurately on my credit report on a few of the CRA agencies from inquiry to accounts, public records, negative marks. these companies have been violating so many FCR and me as the consumer. Under 15US. Code 1681 ( B ) 15 usc 1681s-2. FDCPA 15 US.Code 1692 1
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep concern regarding the unresolved inaccuracies on my credit report, which I have previously disputed on multiple occasions. Despite my consistent efforts to request a thorough investigation, the inaccuracies remain uncorrected, and I have yet to receive any resolution or corrective action. 

These erroneous accounts are significantly damaging my credit file and have created substantial obstacles in my daily life. The negative impact on my financial well-being has caused undue hardship, and I am left with no choice but to urgently request your assistance in rectifying this situation. 

I kindly request that a thorough investigation be conducted into each of the disputed accounts, and that the necessary steps be taken to update and correct my credit report without further delay. Restoring the accuracy of my credit file is imperative, and I hope your team will give this matter the attention it deserves. 

Your prompt cooperation in resolving this issue would be greatly appreciated. I trust that, with your help, I can restore the integrity of my credit report and regain control over my financial stability. 

Thank you for your understanding and swift action in addressing this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports