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

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$29000.00} XXXX XXXX  XXXX {$3400.00} XXXX XXXX {$160.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I tried sending over my dispute letter to them, but the address given on the report was invalid, and my letter was returned.
Product: Credit reporting

It shows XXXX school loans on my report and XXXX public records and XXXX open accounts
Product: Credit reporting or other personal consumer reports

This is a two fold request, first off there's an account from XXXX  XXXX acct # XXXX I was an authorized user on account! But I'm not the primary card holder please remove account. Also there's an account from XXXX XXXX  that's not mine I'm asking for removal of account as well
Product: Mortgage

my home is being unlawfully foreclosed on with fraudulent assignments. This is also a case of dual tracking the mortgage co and i were in conversation about a loan modification. They mail me loan modification package and i submit the complete package instead of working on the modification they sent my loan to XXXX XXXX XXXX FOR FORECLOSURE. THEY WERE SENT A QWR AND THEY HAVE RESPONDED TO MY REQUEST, NOR DID THEY RESPOND TO MY NOTICE OF ERROR OR NOTICE OF DEFAULT WITH THE QWR I ALSO ASKED FOR THE GAP ACCOUNTING AND THEY DIDN'T PROVIDE IT
Product: Credit reporting

XXXX XXXX did not file their claim in a timely manner, as required by law, and is not entitled to the {$280.00} dollars, let alone the {$170.00} they have filed claim to. I have called them several times and each time I am told " they are investigating the issue, and although it appears their filing was not done properly, they are still investigating. '' Their official investigation was started XXXX XXXX. No other response has been given since, although I have called them at least XXXX times since XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the a lot of items to be reporting WRONG! on XX/XX/XXXX I sent dispute Letters out to XXXX, XXXX and Experian to Remove the XXXX XXXX XXXX reporting on my credit report. 

The copy I received of my credit report had the following item ( s ) to be in error that I believe is a mistaken Identity error with a XXXX showing Case XXXX that I want removed from my credit report. 

Also I notice inquires that was not authorized by XXXX XXXX on XX/XX/XXXX. 
a inquiry that was not authorized by XXXX XXXX on XXXX/XXXX/XXXX, a inquiry that was not authorized again by XXXX on XX/XX/XXXX on XX/XX/XXXX I sent out another letter because I didn't get a response and I was in total disagreement with their investigation response. The incorrect items listed above still appear on my credit report, even after their investigation I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.
Product: Credit reporting or other personal consumer reports

THERE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. THE UNAUTHORIZED INQUIRIES ARE LISTED 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
Product: Debt collection

Nationstar continues to pursue debt collection activity on a debt without validation and reporting false and incorrect information to all three credit bureaus. 

Nationstar has responded to multiple complaints referencing I have filed a suit against their predecessor and them. However, Nationstar highlights they were granted a No-evidence motion for summary judgment and a pending lawsuit against their predecessor, XXXX XXXX XXXX, validates their debt collection activity. Nationstar claims they ca n't verify or validate their debt collection activity until the lawsuit against their predecessor is adjudicated. 

XXXX summary judgment was denied on XXXX out of XXXX claims including fraud. 


Nationstar should not be able to pursue debt collection activity until the lawsuit against their predecessor is adjudicated. Nationstar only has the right to pursue collection on what their predecessor had to transfer. XXXX XXXX XXXX has not proven any right to collect the debt that was transferred. 

At the time XXXX XXXX XXXX transferred the debt tp Nationstar, XXXX XXXX XXXX NEVER denied an allegations in the lawsuit that was filed on XXXX XXXX, XXXX. XXXX XXXX XXXX sought to file an answer to the lawsuit in XXXX XXXX. The Court 's decision granting XXXX XXXX XXXX to answer the lawsuit almost two years late is pending in the XXXX COA. However, XXXX XXXX XXXX transferred the XXXX balanced debt to Nationstar on XXXX XXXX, 23 months after the lawsuit was filed against them.
Product: Student loan

On XX/XX/2020, a banker from Sallie Mae called a number that was not on the loan application asking if they knew information about the cosigner of the loan. The individual they called knew the cosigner but had no history with Sallie Mae. Salli Mae informed me that they were allowed to do that, but that is 3rd party violation.
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 ( CPFA ). 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 requirement under ELectronic Fund Transfer Act ( EFTA ) and Regulation E. These action have caused significant inconvenience and financial loss and I seek appropriate address for these violations.
Product: Checking or savings account

On or about XX/XX/22 I completed all the necessary paperwork I was asked to complete by a Chase Branch associate named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Several days later I was told they needed more than just a mailing address for which I provided on my next visit. Several more days have passed and the bank still said they need a residential address so I returned to the bank a XXXX and XXXX time to give them this information that was uploaded at the Branch. Up to Several more days went by and I asked if processing was completed to make my new account UNrestricted. Again they said there is a problem with the residential address and I brought additional information bank requested which was a copy of the residential lease and also confirmation page with the property managers contact information that clearly shows multiple bona fide signatures. The branch manager XXXX assisted me for an hour while he contacted Chase Bank representatives to fix this ongoing issue. However, the Chase bank representative XXXX was speaking to refused to contact the " compliance department '' because she said there is no contact information for them which seems really odd that a bank does not have ability to communicate with other departments. Regardless, a bona fide lease with multiple signatures and initials by property manager an myself were throughout the lease. The Branch Manager XXXX also explained to the internal chase bank agent ( I think they call it the XXXX department ) that the posted document requirements for opening a simple checking account was met even though the XXXX agent had conflicting information. Chase bank tied up my {$1500.00} deposit for almost a month preventing me from having access to the funds. I am told now today that the " Compliance Department '' said there are missing signatures on the lease which is NOT true. Now the bank is refusing to open my account and refusing to take it off " Unrestricted " status for reasons unbeknownst to me other than it must be a prejudice or discriminatory practice because I gave them everything they asked for and more but they are playing games with their non-specific responses.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have two insurance claims currently showing on my auto insurance history report by LexisNexis and I'm unable to find the correct path to dispute these claims. There was not a XXXX dollar paid out to the insurance company or involved parties on either claim, and one of the dates of the " claim '' on my file I don't even recognize so that may be completely inaccurate. Neither of these instances should have been reported as claims on my history, as neither of them had police reports involved or involved the insurance companies in any way from a financial standpoint. My vehicle has always been in great condition and it continues to be in great condition to this day and this is costing me a lot of money on my car insurance rates which are over {$600.00} per month for myself and my son! Thanks for any help and/or direction you can provide me with. 

Regards, XXXX XXXX XXXX XXXX
Product: Student loan

Sent two emails in XX/XX/2021 to XXXX advising them of an address change, never heard a reply back from Nelnet. Spoke to XXXX at Nelnet on XX/XX/2021, he advised that they have two different systems, I provided him the updated address which is : XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX. 

Please confirm that this is the address that I will be mailed the post discharge monitoring form. Also, please confirm that I am in the final year of the post discharge monitoring period.
Product: Credit card or prepaid card

Capital One credit company advertised to offer me credits card without checking my credit or affecting my credit and if I qualify they give me a credit card and they did give me the credit card. But after my first payment I checked my credit report and found out that they did indeed checked my credit score and affected my score significantly within a month and half. I would like Capital One to correct the negative report on my credit report. And also, l would like Capital One to never again check my credit report. Because by Capital One checking my credit it has caused me credit harm. I demand Capital One to rectify their action that negatively affected my credit score.
Product: Debt collection

In 2017 I was given a credit monitoring alert that a collection account was added to my credit report from Secured Resolutions not knowing anything about this company or debt I tried to get information to validate this information reporting on my credit report. I notified the collection agency asking for validation of the debt. They attached information which is enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a debt with XXXX XXXX with Transunion because a debt they are reporting on my credit report without the company notifying me of my rights to dispute the debt before placing it in your credit and did n't give me a chance to dispute the debt. It 's not my debt and they ca n't verify that it is with me but Transunion said they verified with them. The original owner which are XXXX XXXX say that they do n't have a record of me owing any debt to them! It was deleted from my Transunion credit file under the name XXXX and replaced with the a different name ( XXXX XXXX XXXX ) but same company and address. I disputed it initially with Transunion because they placed it in my credit file without any right to dispute or any notice. No validatity of the debt as required by law! After the initial dispute the company just basically kept the debt on my report in a different name and said that they verified it and did n't! I want Transunion to be held accountable for doing their jobs and actually verifying the debt and not taking a collection company word with no documents to support their claim!
Product: Debt collection

I could n't find the appropriate complaint to submit this under. On XX/XX/2017 I received an email stating : We are confirming your recent request to change the telephone number on your account ending in XXXX  on XX/XX/2017. Next time you need to make updates to your account, visit us online at XXXX.com and click your profile. 
If you have n't registered your account with us, just follow the online registration process to start seeing your account information wherever and whenever you choose. 
If you do not recognize this request, contact us immediately at XXXX I called as I did n't make this request and feared my account has been hacked into. When I called and verified my information, I was told the collections department generates these emails when they can not get through to a person just so they can verify a persons information. 

XXXX XXXX has completely misrepresented the purpose of their email and lied. I was on the verge of cancelling all of my charge accounts as a result because I was afraid my identity had been stolen.
Product: Credit card or prepaid card

When I opened accounts with Capital One Bank, Capital One had incentives like balance Transfers, or low interest on purchases etc. I used my accounts, paid them off to a XXXX balance and earned an {$30000.00} credit limit. on account ending in XXXX. This account was not used for a while. Capital One sent me a notice that they wanted me to use this credit card account. When I tried to use this account to make purchases and this credit account was declined several times. I then contacted Capital one and their representatives told me that there are restrictions limiting the use of this account. Then there was a security breach on the account, restricting me further. Capital one then lowers the credit limits from {$30000.00} to {$10000.00} credit limit. I then received a red flag from XXXX ( XXXX ) telling me that Capital One had a security breach. I then received XXXX notices from Capital one ( crediXXXX Wise ) that my credit scores have changed from all three bureaus, losing several credit score points from each onXXXX. This happened all because of Capital one lowering my credit limit from {$30000.00} to {$10000.00}. It seems that the more business I gave Capital one the more they punish t me. I guess this is the way Capital One likes to do business. Shame on Capital One.
Product: Mortgage

I refinanced with XXXX XXXX. They sold our loan to Dovenmuehle to service it. They can not accept my payment even though it is due on XXXX XXXX. They said to try back on XX/XX/XXXX. There is no communication on their website. I was not sent any communication letting me know about this problem. When I got a hold of a representative, he refused to send me information saying that it is okay not to pay my mortgage. He said that this phone call is being recorded and that is my legal recourse. This is illegal, right?
Product: Vehicle loan or lease

Hello, In XXXX of XXXX I wanted to trade my XXXX XXXX in for a XXXX. I wanted the same exact car, with the same upgrades re XXXX XXXX, XXXX XXXX, XXXX XXXX etc. When I called to begin the process I was told that my sales guy, XXXX XXXX, had had a XXXX and that he was unavailable. They promised to " take care of me. '' They did not. I went to the XXXX XXXX, CA dealership where I had purchased my XXXX XXXX from XXXX and they introduced me to my sales person, I had spoken with him on the phone prior to arriving and I told him what I wanted and he said they had it - " same color, same upgrades, everything. '' Since I had such a great experience with XXXX, I trusted this guy. We did the paperwork, and I left with the car. On my drive home to XXXX XXXX I felt that the leather was not the same as in my XXXX - the XXXX XXXX. Long story short, the next morning I researched the vehicle through my friend XXXX XXXX, who was the XXXX at XXXX XXXX XXXX, and he called his friend at BMW and the BMW representative told him that they sold me a base model. They totally lied to me and did not give me the car I requested. I immediately called them and told them I wanted to return the car and get what I wanted. They flat refused. I tried for a few days to get them to work with me and they would not. I was crushed and thought I had exhausted all my resources and so I went and voluntarily repossessed the car. It has been on my credit ever since and has caused me major issues i getting credit, buying property, and more. I only just this morning learned of cfpb from my sister, hence my filing this report six years later. I also plan to pursue legal action, as I understand I have rights in this type of situation from a legal perspective, as well. I have tried many times since XXXX to get BMW to remove it from my credit, but they flat refuse to do that either. BMW and BMW Financial took advantage of me and sold me somehting I did not want or ask for, but was told it was what I wanted when it was not.
Product: Debt collection

On XX/XX/2022, I was served what looked like to be legal, country documents for wage garnishment. This XXXX XXXX debt collector must have one a previous judgement vs. me. The County documents have no seal of authenticity or filing dates in my county. They have the name of my employer and myself as defendant and garnishee. Not only do I not make enough money to meet the legal requirements for garnishment, I see no date where it was even filed in court. They are using County documents as a scare tactic.
Product: Debt collection

This judgment was filed in XX/XX/XXXX in XXXX County. I found out that the federal prohibits someone from collecting debt after ten years in the state of XXXX. The business alleged debt refers to XXXX, Doing business as LLC. They are out of business and also in the state of XXXX, which is out of the jurisdiction for them to collect from me without filing in the state of XXXX, where the debt originated and since the debt was not sold they are committing fraud. The collection agency that continues to try to collect the debt is a collection agency, which is in the state of XXXX and is the Attorney at Law P.A. Kent Hollins. They use a bogus account number that claims they have a XXXX County case Number registered through the court. I have contact the court about this issue and they have no Judgment listed under the number that the collection agency is using to collect the debt. They are attempting to continue to collect by a the letter sent by them, to persuade me to sign a form that they continuously keep sending, which states if I have a dispute to sign and request a court hearing. My Bank account has been garnished for the second time now and the first time they release the judgment because they found out through investigation that it was bogus and released funds back into my account. The collection agency came back again raising the amount from {$620.00} to {$740.00} on XX/XX/XXXX and then raised the amount XX/XX/XXXX to {$830.00}. I contacted them after speaking with the bank representative to resolve the issue by asking if I can settle out with them by giving them {$50.00} and they refused that offer and requested for more information and after that conversation I told them I would get an attorney and they told me to do this. Since the bank I bank with is a third party to parties that are trying to collect the debt, they are waiting on me to send them a letter and proof of this debt being fraudulent. I am sending my evidence to resolve this issue.
Product: Consumer Loan

On XXXX/XXXX/2015 Exeter Finance XXXX XXXX XXXX XXXX made an inquiry of my credit file with XXXX without my concent.
Product: Credit card or prepaid card

i have beena customer here for years. Business plus card and i have tried to resolve this as i have filed XXXX complaint against XXXX XXXX. Being unemployed but needing a computer i did a price match before buying in early XXXX. i was told on XXXX XXXX chat they would honor a XXXX price match. due to phone ringing i was unable to save chat. i was told i would be credited AFTER i bought the computer. did not happen. i called Am ex early XXXX to dispute it. Well XXXX XXXX did answer only submitting a receipt nothing about the chat. so i called today XXXX XXXX XX/XX/XXXX and am told it would be resubmitted. I mean the whole dispute was not handled right since i was CLEAR in XXXX as to the issue. Now i am getting an email asking for more info in a detailed letter i have no other info to add. i know my consumer rights and know i would not have bought it at the reg price. it appeared i was lied to and thru little fault of my own i was unable to save the transcript of chat. i need help to get the XXXX back and i have no other docs other than my good name. i will help but i am owed back the XXXX and it should come from XXXX XXXX i dont appreciate this.