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

Transunion, XXXX, XXXX Mailed in my factual dispute for " co '' still reporting on a dead account, the accounts are still up and reporting, this is changing the statue of limitations which is stopping me from getting a home. This was XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I do not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank XXXXXXXX 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 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I filed for a XXXX Modification with XXXX. XXXX sold the servicing to Shellpoint mortgage servicing. Then XXXX sent a letter to disregard the last letter. All " Initial Package '' per XXXX Guidelines, RMA copy attached include 1 ) RMA Form, 2 ) IRS form XXXX, 3 ) Evidence of Income and 4 ) Dodd-Frank All have been submitted. " Bank Sanctioned for Failure to Consider Loan Modification ''. I would like Shell point servicing to be considered for Sanctions. I was told that the Sale date and foreclosure were Suspended per XXXX and XXXX of the XXXX guidelines and My demand letter dated XXXX/XXXX/XXXX was never answered to me ( Third party auth on file. The sale date is tomorrow with on service or acceleration letter issued. The only issue is that we submitted the XXXX tax return and submitted a XXXX tax return instead of the XXXX. Now they want a XXXX submitted as well I guess the XXXX is not good enough. There was no written certification done as required by XXXX and XXXX of the XXXX Guidelines. The complete doc 's from XXXX have not been considered which were a complete package.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX open date XX/XX/XXXX Inquiry XXXX XXXXXXXX XXXX XXXXXXXX open date XX/XX/XXXX Inquiry : XXXXXXXX XXXX XXXX open date XX/XX/XXXX Inquiry : XXXX XXXXXXXX XXXX open date XX/XX/XXXX Inquiry : XXXX XXXX XXXX  open date XX/XX/XXXX Inquiry : XXXX  XXXX open date XX/XX/XXXX Inquiry : XXXX  open date XX/XX/XXXX Inquiry : XXXX open date XX/XX/XXXX Inquiry : XXXX open XXXX XX/XX/XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

and according to 15 USC 1681s-2 they are suppose to 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

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX XXXX XXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report Request Online form and NO SUCCESS. 
"
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a baby on the way Please remove unauthorized inquiries from my credit report As soon as possible SEE ATTACHED. 


XXXX XXXX XXXX XXXX XXXX XXXX  - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete.
Product: Mortgage

Nation star mortgage does not own my mortgage nor have ever owned my mortgage. The court has acknowledged this however they report the credit agencies as if I owe them money. Only after I complained to XXXX did nation star stop reporting and marked my file as frocluser process started. Nation star had zero authority to ever report to the credit bureau and I demand nation star delete this account from my credit history all together as nation star routinely does with other borrowers where nation star has no interest.
Product: Checking or savings account

Old Navy Credit Card Possible Fraudulent Representatives/Activity operating account Called and made necessary provisions to close account early XXXX Credit card fraud result of mobile cell # porting XXXX  listed personal information on Dark web Per XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As far as i can remember the XXXX accounts listed on my credit report are very old, more than 10 years ago or more from the date it was reported delinquent. ( A ) XXXX  XXXX XXXX, XXXX. is trying to collect - {$600.00}, ( B ) LVNV Funding LLC. is trying to collect {$480.00}, and I don't even remember the original company 's name and the amount that I actually owed them, and it could have been paid for when I filed for bankruptcy XXXX years ago. According to Federal law after XXXX years, such reports should have come off on someones credit report. Information was taken from XXXX XXXX
Product: Debt collection

For months Messerli & Kramer have been harassing me over the phone demanding I settle debt with a XXXX XXXXXXXX XXXX XXXX card. They were not able to listen or work with me on the debt considering I had fraudulent activity on my Debt card around that time frame I questioned the debt and ignored their advances and told them to leave me alone. Around late XX/XX/2018 I  received a summons from Messerli & Kramer at the late hours of the night from someone who insisted that it was a court matter where I had to appear or file for an answer. I then contacted Messerli & Kramer asking for signed documentation of the agreement that I had with XXXX XXXX XXXX XXXX which was not provided. I asked for signed verification of transactions from the dates in question for transactions I did not recognized which was not provided. I did happen to receive generic documentation with a debt owed and a rundown of the transactions without signed verification including a header stating that Messerli and Kramer were Attourneys at Law NOT debt collectors ( I can prove this as well and will attach ). I provided this same documentation in an answer to the circuit small claims court along with a counterclaim request about the repeated violations of the The Fair Debt Collection Practices Act but my counterclaim was denied as well judgement ruled against me which leads me to file my complaint here.

Attachment of Article 1 : Documentation provided by Messerli and Kramer and Example of XXXX transactions from XX/XX/XXXX that I don't recognize and no signature verification provided Attachment of Article 4 : As you can see from the Header they are representing themselves Attorneys at Law instead of Debt Collectors
Product: Credit reporting or other personal consumer reports

I have tried repeatly in the last year more than several times to request this false information that was reported on my credit reports to be removed due to identity theft and these companies continued to ignore my grievances. The dates of request/contact for removal of this fraudelent information were XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. XX/XX/year> & lastly XX/XX/year>.
Product: Mortgage

Included my mortgage in bankruptcy chapter XXXX in XXXX of XX/XX/2008. Sent paperwork to Ocwen showing this was included. This was a joint account with my former husband. They are reporting my account late every month and XXXX days late. This should not be reported at all. It is due to come off my reports in XXXX but this has caused me hardship on my credit file. They have n't to my paperwork or acknowledge it since I sent it in to them. Please help me. This is against the stay of the bankruptcy courts.
Product: Debt collection

On XX/XX/2024, WEST COAST SERVICING Inc. sent a threatening letter stating their intent to Foreclose on an alleged mortgage they say is owed to them. Notice I do not accept nor do I wish to contract with WEST COAST SERVICING Inc. or any of their Affiliates. They also stated that the alleged mortgage had reached its Maturity date of XX/XX/XXXX, XXXX as of this complaint XX/XX/2024. It's more than 4-years past the Pennsylvania  statute of limitations and it does not include the time from when the debt first went unpaid. WEST COAST SERVICING Inc. Has violated my rights with their swindling tactics. 

See attachments for full complaint and remedies
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX. I sent a payment if {$1300.00} to *XXXX  through SQUARE  and they never gave me to goods or services. Services ( subleases apartment unit ). She quit responding to messages and calls. Ive tried XXXX XXXX XXXX reach out to them with no response. XXXX was not able to process refund and seller did not repone. XXXX could not give me the account holders name so I could contact them another way. The number on her account is inactive XXXX and the email XXXX I tried stop payment or dispute through XXXX XXXX  and they denied dispute and took the credit they gave me back for the transaction. This caused my account to be negative. I also reached out to apartment XXXX XXXX XXXX and they said no one lived there with that name and also sent a complaint to them and there was no correspondence through email. I also filed a police report, report to FBI, report to FTC and now here. The number she have comes up in XXXX XXXX No XXXX, XXXX or other payment service
Product: Money transfer, virtual currency, or money service

The {$900.00} taken from my balance by paypal with this transaction id : XXXX is 100 % FRAUDULENT and I can prove this by explaining the way we conducted our business which I can say with full confidence was completely up to paypal standard that's communicated in the paypal user aggreement from start to finish that means everything from what we sold to how we sold it as well as under what terms. 

What we sold and for how much : Digital products and remote services in the mobile game niche and this category is supported by paypal as it is not among the prohibited product categories in your user agreement and our most expensive product was {$230.00} which is supported by paypal as well. 

When and what we fulfilled : Each order was fulfilled within 24hrs of its creation and every order was exactly as described. 

Other evidence : we had multiple repeat orders which is proof our customers were perfectly satisfied with the orders they received. Furthermore we provided 24/7 live support to customers in case they needed support with their orders and we offered a generous 30-day refund no questions asked refund policy we honored every time a customer requested a refund. 

As you can see based on the evidence I just provided, the limitation of my account and the money that was taken are not deserved and is the result of a bad investigation that gave an unfair analysis. Clearly the money should be returned to me and limitations be removed since I can assure you, based on the evidence above, no violations were made to the paypal user agreement policy.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I noticed the presence of inquiries that I did not authorize or initiate. I understand that my credit report should only include inquiries that I have explicitly consented to, and any unauthorized inquiries may negatively impact my credit score. 

Below are list of unauthorized inquires that need to immediately be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am well aware of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. According to these statutes, I have the right to dispute inaccurate or unauthorized information on my credit report. I kindly request that you investigate the aforementioned unauthorized inquiries promptly and remove them from my credit report as per the following legal provisions : Fair Credit Reporting Act ( FCRA ) : Section 609 ( a ) ( 1 ) : Requires that consumer reporting agencies provide consumers with a copy of their credit report upon request.

Section 611 ( a ) ( 1 ) ( A ) : Grants consumers the right to dispute inaccurate information on their credit reports.

Section 611 ( a ) ( 2 ) : Mandates prompt investigation of disputed items by the credit reporting agency.

Fair and Accurate Credit Transactions Act ( FACTA ) : Section 113 : Prohibits the inclusion of unauthorized inquiries on a consumer 's credit report.

Consumer Financial Protection Act ( CFPA ) : Prohibits unfair, deceptive, or abusive acts or practices related to consumer financial products or services.

I kindly request that you provide a written response within the statutory timeframe acknowledging the receipt of this dispute and detailing the results of your investigation. If the inquiries are indeed unauthorized, I expect them to be promptly removed from my credit report.

Please send all correspondence related to this matter to the address listed
Product: Debt collection

I tried reaching out in XXXX or XXXX  by phone call to validate my debt and was told that I would receive information but did not
Product: Debt collection

Multiple attempts to contact company from XX/XX/year> and on. Made contact and was told payments were up to date and money was deducted from my bank account. Then started receiving emails and calls. Called company back and said it was a mistake that I was current, but received calls and late fees. Now Im on a payment plan and still receiving calls. All payments are current I pay EARLY and MORE than the minimum payment agreed upon by the card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter addressed to the Credit Bureaus requesting the removal of the unfamiliar accounts being reported on my Credit File on XX/XX/2023. I believe this is a case of fraudulent activity and I requested that the Credit Bureaus conduct an investigation and if possible, remove the disputed accounts off of my Credit File as soon as possible. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required by Federal Law to remove any accounts and information that resulted due to fraudulent activities. I am submitting this Complaint today to follow up the previous Complaint I submitted. Once again, I need the following accounts removed from m Credit File as soon as possible : permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}. If the Credit Bureaus investigation find that I legally own these accounts, please send me copies of documents supporting such claims bearing my signature. In the absence of such documents, immediate removal of the disputed accounts will be greatly appreciated.
Product: Student loan

I applied to for a reduced payment based on the fact that I no longer have a job and am doing independent contractor work. I uploaded the documentation they asked for and it was ignored. They claimed that my application was blank but they processed it anyway. When I called after to find out why the amount was still the same after the approval I was told that my documentation was not acceptable but prior to me calling, there was no documentation stating that my documentation was not acceptable. They simply ignored it and used my income from the prior year. I spoke to XXXX XXXX who confirmed this information on XX/XX/2019 at XXXX and was on the phone with them being transferred for about 50 minutes.
Product: Debt collection

On XX/XX/XXXX, I received a notice in the mail stating that Debt Recovery Solutions , LLC was attempting to collect on an account for XXXX XXXX XXXX that they claim was purchased by XXXX XXXX XXXX and is who they are attempting to obtain a payment on behalf of. 

I called the phone number provided and the first person I spoke to I told I needed to dispute the notice I had just received. She then proceeded to tell me that I needed to make a payment to prevent my credit from being effected. When I suggested that this was not correct, she disconnected the call. 

I called back immediately and spoke to a second person and told them again that I needed to dispute the notice I had just received and requested evidence that I owed anyone medical debt. I am in full belief that this medical account from XXXX had been resolved. She insisted they were going to email me proof rather than mail it as asked.
Product: Money transfer, virtual currency, or money service

I went to a XXXX Event website where someone was reselling tickets to a concert that was sold out. I sent money via Paypal to secure the tickets. The transaction was processed by Paypal and the person never sent the tickets. Paypal policy did not allow for the amount to be recaptured/rescinded because money was mistakenly sent via Friends and Family method.
Product: Credit reporting or other personal consumer reports

I hope this notice finds you well. After careful review of my consumer report again, I still noticed that you continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated XXXX Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from my consumer credit file. And according to the documentation provided by the XXXX of XXXX XXXX XXXX XXXX XXXX, there is no record of any lien ( s ) from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and if you continue to violate my consumer rights, I will accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX