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

HELLO, Few days ago I received my credit report and I was amazed : I found bunch of unauthorized credit inquires on my credit report. They were in all XXXX XXXX report. looks like someone has my personal information and time to time requests credits on my name. 
As soon as I'm going to apply for mortgage I need that inquires to be removed from my reports. 
Other vise I will loose much time and money because mortgage lenders will decline my application for financing. 
I will list them below : XXXX. The inquiry was not authorized XXXX XXXX  XXXX. 
Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX 2 Date of inquiry : XX/XX/XXXX XXXX. Please remove these inquires as I don't remember applying for anything. 
XXXX XXXX  Date of inquiry : XXXX/XXXX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX FIN XXXX of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized COAF Date of inquiry : XX/XX/XXXX In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify this information with the creditor responsible for its inclusion. Should the creditor fail to provide verification, please proceed with the removal of said information. I am aware that, under 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this investigation within 30 days of receiving this letter. 

Thank you in advance : XXXX XXXX
Product: Mortgage

On XX/XX/2020 we signed the paperwork to accept the Loan Modification conditions that Fay Servicing gave us. We were to make 4 trial payments of {$840.00} starting XX/XX/2020 til XX/XX/2020. We completed these payments but have yet to get the final paperwork for the modification to be complete. Fay Servicing is aware of this, but they continue to send me hairdressing letters about foreclosing on our home. 

I can not make payment by their automated system I have to talk to a representative and each time I have to go through the whole process because the person on the phone thinks my mortgage is in default. This is continuing to ruin our credit and all we hear is the paper work is being prepared. 6 months is a long time to wait on paperwork. I am wanting this completed and our credit to reflex our timely payments. I email and call frequently but get the same story " they are working on it ''. 

We just had our roof replaced so now they are going to have the insurance check to hold, and I read if the mortgage is behind they don't have to release it, the work has been done and the roofers need to get the final payment. I want this corrected and fixed so we don't some how lose our home, we have done our part now Fay Servicing needs to do theirs.
Product: Debt collection

I am filing an official complaint against the following business : Credit Collection Services ( CCS ) XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX www.ccspayment.com The reason for the complaint is : continued attempts to collect an alleged debt, and threats to report this alleged debt to credit bureaus, while having failed to honor my written request for validation of said debt. Most notably, they have failed to produce any documentation that I owed this debt at any point, such as a contract signed by me for a service previously rendered for a specified time period. For the record, I assert that this claim of debt is entirely fraudulent, as such a document with my legitimate signature on it does not exist. 

I have attached the following pages for your review : -Copy of the original debt collection notice received from CCS , on which I indicated my wish to dispute the debt. This was mailed back to CCS via certified mail in the same envelope as my debt verification request letter on XX/XX/XXXX. 
-Copy of the debt verification letter I mailed to CCS via certified mail on XX/XX/XXXX -Copy of certified mail return receipt, proving that CCS received my debt verification letter on XX/XX/XXXX -Copy of my Declarations Page from XXXX insurance company , proving that I have remained in compliance with all applicable laws requiring continuous auto insurance coverage while discontinuing my coverage with XXXX XXXX ( the alleged original creditor in this claim ). This page was uploaded directly to CCS 's website on approximately XX/XX/XXXX. 
-Screenshots of my payment history with XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX for both an auto insurance policy and and umbrella insurance policy with XXXX XXXX, proving that I paid in full the balances of {$2200.00} and {$540.00} for each of those policies respectively for the coverage period specified, which happens to be the last time period for which I agreed to continue coverage with XXXX XXXX for either policy.
Product: Debt collection

Noticed this was on my credit today XX/XX/17. Called them immediately to handle it, they had an incorrect address on file and I requested they pull it off my credit for 30 days to give me the chance to pay it without it damaging my credit. In response they cited the Fair Debt Collection act and said they would not do so. The Fair Debt Collection Act also tells them they have to provide written notice to me, which they failed to do since it was an incorrect address.
Product: Money transfer, virtual currency, or money service

I believe I am a victim of consumer fraud, theft of securities, theft by conversion, theft by coercion/under duress, unjust enrichment, deprivation of due process, discrimination and the list goes on. I believe NAVY FEDERAL ( any and all derivatives ) has been committing these unlaw crimes against me since the day we have been in business together due to my lack of awareness and competence at the time of signing our agreements. I have brought this matter to their attention on numerous ocasions by way of email, paper mail, phone call, even their app XXXX XXXX, but they either deflect or ignore this matter, assuming nothing will be done ( I assume ) or maybe because NAVY FEDERAL and/or its agents believe they're above American Constitutional law, not sure, but no one is bigger than Law. I have provided NAVY FEDERAL lawful tender, being restrictive endorsed bankers acceptance and/or registered/asset-backed security. Lawful tender has been specially deposited into Navy Federal 's possession, making NAVY FEDERAL holder in due course of the obligations that needs to be fulfilled. NAVY FEDERAL never fulfills the obligation, and proceeds to resubmit these exact issues to this estate every month. I believe Navy Federal is stealing these securities and trading them on the secondary market WITHOUT making my estate Whole, those assets are MDA Trust Res and needs to be returned to the rightful owner IMMEDIATELY! The securitized assets are valued up to about {$500000.00} USD, NAVY FEDERAL have every original issued security.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 XXXX XXXX XXXX Bankruptcy XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX Bankruptcy XXXX XXXX XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; 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 XXXX business days after the date of receipt.
Product: Debt collection

CMRE Financial Services Inc. is continues to report on an account that was already paid off thru XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, and XXXX XXXX. This account has been paid through their healthcare clearinghouse ( a third party payment processor ). This company appears on my credit report as an active account in collections. I have no idea who they are and why they are on my CR. Due to me being a recent victim fraud several months ago I notice inaccurate things showing on my credit report, CMRE Financial Services Inc. is certainly one of them. I demand that it be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX -US DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. ''
Product: Debt collection

A company named XXXX XXXX, XXXX has been contacting me for over a year, and will not cease telephone calls, despite my requests to do so. 

I do not owe this debt. 

I have no knowledge of this company, nor have I ever dealt with a company of that name.

They call me from different telephone numbers from XXXX XXXX. and throughout the day.

When I ask for contact information or written response, they hang up.

I have {$0.00} debt and all my accounts are in good standing.

This company has reported to the credit agencies and affected my good credit.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service in unfair practices, which violate the consumer financial protection act ( CFPA ) specifically, Cash App failed to take timely and efficient 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 fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial losses and I seek appropriate Redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 Section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it states that the consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete this fraudulent information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

I have had problems with these loans from the start. They started off as XXXX XXXX loans that were as much as a Mortgage costing me over XXXX A month. I tried to get them lowered then and all they said was there was nothing they could do and I had to pay it. When XXXX XXXX got in trouble my loans were switched over to Navient. Although they are less they are still over XXXX a month. I was mislead when I initially got the loans on how much the full payments would be when I XXXX or I would have never gotten them. I still have other private loans and federal loans that I pay on top of this. Those lenders have been cooperative. I am in XXXX XXXX XXXX XXXX ( I am paying the XXXX out of pocket at this point ) trying to get my XXXX XXXX so I can get a career but these bills make it difficult. I was working XXXX jobs and XXXX XXXX XXXX XXXX XXXX recently. I called my lenders to get some help because I ca n't pay them off with just my XXXX XXXX XXXX and Navient is the only one that refused to help. XXXX there was nothing they could do. They did reduce the XXXX loan that is In my mother 's name a little but XXXX of the conditions was that it had to come out electronically and I do n't have the money in my account. Now my bank account will be affected. I have paid what i can but got so far behind they are now showing a XXXX balance due which I guess means they are in forbearance or deferment or something. They keep calling my mother 's phone. She does n't answer because she knows all they will do is say I have n't been paying and ask her for money and she does n't have it either. All I wanted was some help until I found another XXXX XXXX and possibly until I XXXX to make it easier to save money for XXXX. I had great credit but now it is really being affected by this
Product: Debt collection

Aldous & Associates , PLLC contacted me on XX/XX/2023 by email about a debt of {$580.00} which I do not recognize for a gym membership for which I had no contract with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies. I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and accurate. Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts, and opt me out of your systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my  XXXX  credit report. The credit report showed a credit inquiry by your company on  XX/XX/16    that I do not recall authorising. I understand that you should n't be allowed to put an inquiry on my file unless I have authorised it. Please have this inquiry removed from my credi file because it is making it very difficult for me to acquire credit. If you find that I am in remiss and you did have my authorisation to inquire into my credit report then send me proof of this.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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/XXXX
Product: Prepaid card

I bought a Amex gift card for my daughter for XXXX. We tried to make a XXXX purchase it declined payment. I checked the balance she had more than enough. Her balance was {$50.00} her total was {$8.00}. I was told it gets blocke by XXXX try another merchant. I tried XXXX and it was declined. I swiped at XXXX  it was declined. When call customer service Im told it has a balance and its the merchant. Call the merchant and they advise Amex is not letting the card go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account - disputed it, it was removed XX/XX/XXXX and was immediately placed back on without proper verification, I disputed several times and asked for an original document with my original signature showing i agreed to do business with this agency and none has been provided after 3 disputes, this has affected my creditworthiness and score and caused me to lose financing and pay higher interest rates. 
it has been removed from the other credit bureaus * the credit bureaus are required to report only 100 % accurate information and to maintain an original document of any account they are reporting. they have violated FCRA and the creditor has verified it as accurate electronically each time it was disputed
Product: Credit card or prepaid card

In XXXX, I opened a XXXX XXXX secured credit card with a deposit of {$200.00} that I put down towards my credit line. In XXXX of XXXX, I paid off my balance in full and requested my security deposit back in writing. When I contacted the company in XXXX, they lied about not having received my account closure request, which was sent in the same envelope as my final payment. I still have not received the money and would like my deposit back as soon as possible.
Product: Checking or savings account

I filed disputes on XX/XX/XXXX for unauthorized transactions. I asked SoFi when I will be receiving provisional credit for my disputes and they told me my disputes dont qualify for provisional credit. It clearly states under regulation E that unauthorized electronic transactions qualify for provisional credit after 10 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has a report that has not be accurately adjusted on the account holder 's credit report. The report states that the account is negative and unpaid. On XX/XX/2017 the account has been resolved with XXXX XXXX, XXXX and the account has been satisfied and closed. The XXXX XXXX, XXXX has failed to share this information with XXXX XXXX XXXX, XXXX XXXX XXXX  has failed to accurately update the information that was originally reported to the credit bureau.
Product: Credit reporting 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 the XXXX XXXX XXXX  or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that 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 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/XXXX
Product: Credit reporting or other personal consumer reports

I disputed this on my account multiple times on my credit report, and it still shows the account " Account Not Disputed '' which is a violation of the law. 

XXXX XXXX - XXXX please provide proof I was late on this account by sending over bank statements from the data furnisher or else I was never late. Send over everything, NOT JUST THE BILLING STATEMENTS. XXXX relevant case that addresses the obligations of CRAs is XXXX v. Equifax XXXX XXXX XXXX XXXX, where the court held that simply sending billing statements does not suffice as proper verification of a late payment. And tell me the method of investigation you used : 1. Who did you speak to? 2. What was the method used to verify this account? 3. What is the name of the person and what time did you speak to them? 4. Was a UDF form used or was this through electronic automatic dispute verification? You have XXXX  days to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX