23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I applied for a loan and was contacted by someone who said they were affiliated with XXXX XXXX. They offered me a loan and transferred money into my account according to them to verify that the account was mine. After verifying, they said that I would need a return the money to them, which I did via an XXXX XXXX  transfer. but I never received my loan as promised this happened on XX/XX/24, today on XX/XX/24 the money that was originally deposited into my account which was a total of {$520.00} was stop payment and pulled out my Chase account which I am now liable for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX account XXXX, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that XXXX XXXX XXXX reported my banking transaction history without my consent, which I believe is a direct breach of my rights under federal consumer protection laws. 

I have attached the proof of claim showing each transaction this company has shared without my consent. 

I have sent notice to the company and have yet to receive a response on this matter. 

[ 15 U.S.C. 1681b ] ( 2 ) states I must give them written permission to share my nonpublic information. Nonpublic information is defined as the following : Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my Credit Report and noticed some Hard Inquiries that I do not recognize. Can you please remove these from my credit report. 

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

re-aged account. date of delinquency changed on consumer reports
Product: Debt collection

Radius Global Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Failure to provide proof of debt ownership Radius Global Solutions XXXX XXXX XXXX XXXX XXXX XXXX  Failure to provide proof of debt ownership Unable to Validate Debt Fair Debt Collection Practices Act ( FDCPA ) Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that occurred. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of the. 
Tell me when the creditor claims this debt became due and when it became delinquent.
Product: Credit card

On XX/XX/2023 my email and password was hacked. The thief used this email/password combination to attempt access to all my accounts ( social media, banks, etc ). I was alerted to this due to the multiple two factor authentication texts and emails I received in the morning. The thief was able to access my XXXX and XXXX accounts and make two purchases on XXXX. I immediately called Chase Bank to report fraud on the two Chase credit cards which were stored on my XXXX XXXX XXXX accounts and I was issued new cards. The first purchase was disputed and resolved after a CFPB complaint ( XXXX ) in which Chase first pushed back against. On XX/XX/XXXX, nearly XXXX months since I reported the fraud, I received another letter from Chase informing me I am responsible for the second fraudulent transaction of {$180.00} for the same reasons why they kept pushing back on the first fraudulent transaction. They cited because I previously made a purchase with XXXX on this card and the purchase was made from my account ( which was hacked ), that the transaction was valid. They once again ignored the fact that I immediately reported fraud charges and provided evidence previously to show my accounts were hacked. This situation is identical to the case in which I was not liable, only on a different credit card stored on one XXXX account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a thorough investigation into an ongoing issue I am experiencing while applying for assistance, as a victim of Hurricane Milton. Each time I attempt to submit my application, I am repeatedly met with the same error, which states that I need to verify my identity. Despite following all necessary procedures, I have been unable to resolve this issue, and no one has been able to provide a clear explanation for why this is happening. 

I demand a proper investigation into why this repeated identity verification error is occurring, and I insist on receiving a clear resolution that ensures my identity is easily and accurately proven. As a victim of a natural disaster, I can not afford delays or errors in the processing of my application for assistance. 

Please address this matter with the urgency it requires, and provide me with a detailed response outlining the steps being taken to resolve this issue.
Product: Debt collection

YOUR COMPLAINT XXXX XXXX XXXX XXXX is trying to collect on a debt that was the result of identity theft. XXXX  XXXX XXXX  was sent may letters telling them that this account was opened through the result of identity theft. This debt is not owned by anyone in this household. Also XXXX XXXX XXXX was told that the account was the result of identity theft and LvNV FUNDING LLC. 
Why do I need to keep repeating myself with this company? They continue and persist to try and collect something that is not owed by anyone of this home. 

.
Product: Credit card or prepaid card

My XXXX XXXX XXXX daughter made 11 transactions of {$84.00}, 1 of {$99.00}, and 1 of {$44.00}. Total of {$1000.00}. The card that I had for XXXX  purchases was maxed out, so the back-up card was used, which is the one in question. She didnt know what she was doing, she thought she was using play money in the app. The very next day I was disputing charges and calling XXXX, because it was XXXX purchases made with an Apple Card. XXXX Specialists were able to dispute a few charges for me and other werent able to be disputed. The reason I was given was because that was they way the system was set-up. After days of calling customer service for XXXX and Goldman Sachs, I was able to dispute all charges. This week ( XX/XX/XXXX to XX/XX/XXXX ) Ive been getting emails that the charges are being reversed. Again Ive been on the phone for days with XXXX and Goldman Sachs customer service about these charges. The answer Im given is the team/department that makes these decisions do not interact with customers and that their system doesnt allow them to dispute those charges. My research tells me that the law says a child using your credit card for unauthorized purchases constitutes as unauthorized and should be refunded. At the end of the day, my daughter doesnt use that app, doesnt have access to the account, and has nothing to show for {$1000.00} in charges. Ive paid the balance of what I honestly owe. But can not close the account because they have reversed {$1000.00} charges.
Product: Student loan

I recently received an e-mail from Edfinancial regarding a college XXXX loan they hold. Several years ago, they held my XXXX loans which were paid in full. At first I thought it was a bogus e-mail and was going to delete it. I clicked on the link and carefully maneuvered through it to see what information they may have on me or if any. When I called their customer service department I was informed they held my loan and wanted to speak to me regarding my payment. I had no idea they held a loan. I had not received any written notification or e-mail from the group holding my college note. According to their customer service department since they held my XXXX note they did n't see any reason to inform me as to holding the XXXX note. Those XXXX notes were paid off more than 5 years ago. When would they find it convenient to contact me? When I was past due? When I was ready charge off? In 1968, The Truth in Lending Act was approved. ( TILA ) protects a consume against inaccurate and unfair credit billing and credit card practices. It requires lenders to provide a consumer with loan cost information so that you can comparison shop for certain types of loans. I check off approving the note from my university, but I had no idea you they were the holder of the note. If they approved my loan and viewed my credit, they will notice, I have steadily been paying down loans held by the state of Pennsylvania on weekly basis. If I had known they held the note I would have done the same and have begun to pay your note down as well. The note has accrued interest for over 90 days. I want the current interest accrued on the account removed. I will now send them weekly payments so as to begin to pay down the note and have it paid off sooner than expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that the process of applying for mortgage would not impact my credit score adversely. My FICO score was XXXX ( Excellent ) after over 8 years of hard work and discipline. I started the process of buying a home only after I had achieved FICO score of XXXX ( Excellent ). 

Everything has gone smooth and the closing is on XX/XX/2019 and to my surprise I find that my FICO score has been substantially and negatively affected. It has fallen by XXXX points ONLY due to " too many inquiries ''. All of these are directly related to seeking a mortgage to buy the home chosen. 

Something with wrong in terms of what we the people are led to believe and what actually happens. And then " people '' have no effective means to address the mischief by banks and credit reporting agencies that collude to indulge in legalized extortion. 

Please help directly or indirectly by pointing me to some direct & effective actions that I can take.
Product: Mortgage

The reason Many times trying to receive loss mitigations also the appeal process witt no luck
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. NAVY FCU - XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAVY FCU - XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. 

XXXXXXXX XXXX account # XXXX Navy FCU # XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Debt Validation & Notice Of Dispute To whom it may concern, This notice is Pursuant to XXXX XXXX Code XXXX ( g ) as I have never received a validation of this debt from your company. I am requesting that your company provide me with the following documentation : XXXX. The name of the creditor to whom the debt is owed to XXXX. The amount of the alleged debt XXXX. A statement showing proof that you put me on notice that this debt would be assumed to be valid within XXXX  days I have never been notified that this debt would be valid by your company within XXXX  days which is a direct violation of the FDCPA. You also failed to send me the information above within 5 days of initial communication of the debt which is required in Section XXXX XXXX XXXX XXXX XXXX ( g ) ( a ). I am disputing this alleged debt in the entire amount and with such dispute your company is supposed to cease collection of this assumed debt. Failure to cease to collect is a violation of the FDCPA. 
Please provide me with the above following information that is requested. 

I AM REQUESTION VALIDATION OF THE DEBT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. 
IT ALSO SHOWS THAT YOUR COLLECTION AGENCY IS NOT LICENSED TO COLLECT IN ILLINOIS. 

XXXX XXXX XXXX Notice to all, I am the consumer that I am, the consumer in fact, natural person, XXXX, XXXX, XXXX, living breathing woman, affiant, declare that I am majority and competent to state the matters set forth herein with first hand knowledge of the facts. 

Statement Of Facts : Facts that the Fair Debt Collection Practices Act protects me from debt Facts that the Fair Debt Collection Practices Act protects my right to privacy Facts that the Fair Debt Collection Practices Act protects me from misrepresentation Facts that the Fair Debt Collection Practices Act protects me from harassment and abuse Facts that the Fair Debt Collection Practices Act protects me from a debtor contacting me in any means directly Facts that the Fair Debt Collection Practices Act protects me from the legal actions by debt XXXX Facts that my consumer report is supposed to be fair and equitable to me as the consumer Facts that consumers are supposed to be informed on the use of credit Facts that I was not informed on the use of credit Facts that I was deceived in the transaction Facts that XXXX XXXX XXXX, is aware and has proof that Resurgent Capital Services XXXX, is in violation of XXXX XXXX Code XXXX ( d ) ( g ) ( a ) and XXXX ( c ) shown in Exhibits A & XXXX In XXXX XXXX, I here unto set my hand and seal on this day and hereby certify all the statements made above are true, correct and complete under the penalty of perjury in the laws of the United States Of America. 
By : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX - XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, there is activity that is INCORRECT being reported by Nationstar Mortgage, LLC regarding my mortgage loan. 

Once again, after filing a complaint. I am met by retaliation by someone within the company, Nationstar Mortgage, LLC. This is not the first time this has happened. It has happened on several occasions. I am now attaching screenshots of what is being reported by someone at Nationstar Mortgage, LLC. 
I have personally met with my personal bank and have attached all checks that were cashed per month by Nationstar Mortgage, LLC. I have also attached the payment history showing all payments that were paid to Nationstar Mortgage, LLC since the start of my VA mortgage loan. Those documents have been mailed off to each credit bureau. 

Now ... someone at Nationstar Mortgage, LLC is once again, turning in incorrect information regarding payments that are not being reported. I believe as a clear means as retaliation regarding complaints sent to several bureaus. Someone at Nationstar Mortgage, LLC is still removing payments that were prior on my credit report such as XX/XX/XXXX payment. 

If you are going to report my VA mortgage loan. You have an obligation to report it correctly. Nationstar Mortgage, LLC has literally changed my credit report information on more than five occasions since XX/XX/XXXX. 

The current reporting is INCORRECT. I have made payments that are not being shown. The payments need to be reported correctly that reflect the payment history sent by your company, Nationstar Mortgage, LLC. 

I have once again filed not just this complaint. But with all credit bureaus. Clearly this is abuse of power, flatulent and down right ridiculous to still continue with inaccurate reporting, not reporting or incorrectly reporting with regards to my VA mortgage loan payments. 

As told by an attorney. Nationstar Mortgage if they are to report your mortgage payments to the respected credit bureaus, in which, they clearly have to all three credit bureaus. Nationstar Mortgage, LLC has a responsibility to report it correctly. Someone at Nationstar Mortgage, LLC has reported as you can clearly see on screenshots. " Under a partial payment program. '' I am NOT under a partial payment program. I have paid more than on some payments, MORE, than my initial loan contract. 

Once again, I am demanding that my payment history reflect what is on the current Nationstar Mortgage LLC payment history that was mailed to my home. 
I am once again, demanding that my FICO score by reinstated to reflect the correct changes. 

As per my phone call with XXXX this morning. It is someone at Nationstar Mortgage, LLC submitting the incorrect information. Nationstar Mortgage LLC needs to fix this ongoing issue ASAP. 

Sincerely, XXXX XXXX