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

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing
Product: Credit reporting, credit repair services, or other personal consumer reports

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

The following account has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 Section2 : 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

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

THERE ARE A NUMBER OF INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE OR SIGN FOR. I NEED THESE INQUIRES REMOVED IMMEDIATELY AS IT IS NEGATIVELY IMPACTING MY CREDIT SCORE. 

XXXXXXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  and XXXX & XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is the only agency I have this problem with. 

I am unable to unfreeze my credit online. Repeated error message after entering all required information. I am unable to reach a person at the agency to speak with after following all prompts.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigating my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax constantly responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. this practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that i have marked as inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

please delete   the  following accounts \ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My name is XXXX XXXX XXXX and my Checking account was closed at Bank of America XX/XX/XXXX due to suspected fraud. I do not have any knowledge of fraudulent activity on this account. If there was any fraudulent activity it was done inadvertently. The amount of {$410.00} was paid in full XX/XX/XXXX. I am trying to open a new checking account but am being declined because Bank of America has a suspected fraud alert on my XXXX report. I am trying to explain that I do not know why this is so I can open a new account.
Product: Prepaid card

I filed a complaint with your company about a stock account Invested in while with cashapp. 
Cashapp refuses to give me my stock and they wrote you back information that was not applicable to my compliant I want my money from my stock with XXXX XXXX in a check mailed to me from Cash App
Product: Debt collection

To whom it may concern : A certified mail debt validation letter for was delivered to CMRE dated XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. CMRE never responded, no other detail verifying the debt. They continue to contact me and send me statements ignoring my concerns. XXXX and XXXX investigated the debt to be inaccurate and deleted CMRE accounts. XXXX updated my credit report leaving behind a total amount as the monthly amount owed. How is that possible? I have not seen or received any validation of this debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent letters to XXXX, XXXX and TRANSUNION about account XXXX account number XXXX with proof that they are reporting inaccurate information on my credit which is negatively impacting my life. I can not get a job that I desperately need because these companies are not reporting accurately. The payment history is completely inaccurate also the dates, limits and activity if this account.
Product: Credit card or prepaid card

I made two payments totaling XXXX for my bank America credit card. However I got a bill to make a XXXX payment before the XXXX of XXXX. I call customer service on XX/XX/XXXX about this charge he told me those payments of XXXX before the billing cycle started for XXXX. So I made another payment on XX/XX/XXXX with bank America bill pay. Now it is XX/XX/XXXX and I was charge a late of XXXX dollars. I call the customer services and they told me they never receive my payment of XXXX and they cant remove my late fee. The one thing I dont understand a total of XXXX came out of the same bank as the credit card before the due date but you are still charging a late. fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

My application for an apartment was denied by XXXX XXXX when i asked why, they forwarded a credit report they obtained from Experian. The report shows multiple addresses ( XXXX ) XXXX XXXX XXXX B, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX AK XXXX. 
XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX which is completely inaccurate.I have never lived or have any address outside the state of Oregon. 
Also, an opened XXXX XXXX XXXX account with current balance of {$1800.00} in delinquency and over 90 days past due of {$430.00}. Surprisingly, I have never applied for any account or credit with XXXX XXXX XXXX.This really got me worried and frustrated. It dawn on me that my information has been compromised and that I 'm a victim of an identity thief. I went junk mails received to date found letters from XXXX XXXX, and XXXX XXXX XXXXXXXX with ref # XXXX. I contacted Experian and XXXX XXXX XXXX disputing their report which is hurting me seriously, also filed a police report with case # XXXX.
Product: Credit card or prepaid card

I suspect that my card may have been stolen during the delivery process, as I have not received the physical card yet. Unfortunately, someone seems to have intercepted the card and gained access to my card information, which they have used to make unauthorized transactions. 
Claim Number : XXXX Claim Number : XXXX Please help me to get my funds back thank you
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and XXXX. 

Please delete the following accounts : XXXX Account Number : XXXX Balance : {$260.00} XXXX  XXXX Account Number : XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
XXXX XXXX Code XXXX - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX days before the payment due date.
Product: Debt collection

On XX/XX/XXXX ( XXXX Sunday ) I received a fraudulent small claims summons from XXXX XXXX, XXXX. Nathan & Nathan , P.C . located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX falsely accusing me of owing them money. Someone by the name XXXX XXXX is listed as the plaintiff. They are falsely claiming to be XXXX XXXX because XXXX XXXX has no physical location is in XXXX, XXXX. My account with XXXX XXXX has been closed by XXXX XXXX since XX/XX/XXXX. I have no contract with these people trying to illegally take money from me. They have many negative reviews from other people as well. They are scammers. The paperwork states it was filed in XXXX of XXXX which makes no sense. They need to be investigated and shut down. I never gave them permission to have access to any of my personal information. They stole my information for financial gain.
Product: Debt collection

I just received notice in the mail in regards to an alleged debt owed to Convergent Outsourcing for {$1200.00} from XXXX. I submitted several of dispute letters to Convergent somewhere in mid XX/XX/XXXX for validation. Due to non validation of this debt, it was released from my credit file. Now I received another notice today in regards to the same account that was dispute by me last year.
Product: Vehicle loan or lease

I got approved for a refinance auto loan at USAA in the amount of approximately {$56000.00} at APR of 0.48 % however the loan was done in my old name even though I sent the document of my name change to USAA several weeks ago and they have not updated it. Now my loan may likely be canceled and I will not be able to receive the refinance loan even though the error was done at the institution. The car title and loan at the other institution is in my new name as all my other documents however USAA either refused to approve my name change or drop the ball and I am very disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my transunion report thats over 10 years OLD
Product: Mortgage

Bank of American has force placed flood insurance on my home. I have provide to Bank of America 9 years ago the Flood cert pulled on my home with my primary lender to show them I am not in a flood zone. They did nothing and did keep force Flood insurance on my home. I had finally in  XXXX    saved the extra funds to have an engineer per Bank of America to complete the LOMAR map update. The engineer completed a letter directly to my address per the information Bank of America stated I needed to not have force placed insurance. I completed and sent everything over to Bank of America in turn to be told I can have reduce forced insurance. I have been calling and each time I get a different person. I called and spoke to FEMA they stated as of the FEMA ACT of  XXXX  that my free standing shed and garage are not to have force placed insurance. FEMA told me to call back Bank of America as what they are doing to me is wrong. I this passed week was told by Bank of America that I need a letter from my home owners insurance agent stating I have no running water in my garage, no bedroom in my garage no bathroom or kitchen in my garage. I asked if they wanted the orginal appraisal they did on the home over 7 years ago last time they were in my house to show no running water. They stated no that get them the letter and they would review per the  XXXX  FEMA ACT. I have a letter sent in last week to Bank of America to stop the force placed FLOOD insurance on my home. Again my 1st. MTG. company states I do not need flood insurance. Bank of America equity line of 30K states I need flood insurance. this letter was sent over and I am waiting on a reply. I called FEMA and they told me I should reach out to CFPB for help as they could not understand why I have been treated this way. They did not understand why I needed to provide a letter as they MAPS of FEMA state and show I am not in a flood zone. I have spent money to pay for engineer and to file the LOMAR and I have taken off work to deal with this and I am getting no place with Bank of America trust me if I can afford to pay them off or to get my 2nd refi. I would I need help please
Product: Debt collection

They reported the debt on my credit report as a charge off. When I disputed it with the Credit Reporting they validated the debt. I contacted them via certified mail with a " Notice of Direct Dispute '' under FCRA 623 ( a ) ( 8 ) ( D ) and they never responded.
Product: Mortgage

FROM THE LAST CFPB RESPONSE BY NATIONSTAR " Unless there is new and material information that has not been provided to Nationstar Mortgage for investigation, Nationstar Mortgage considers this matter resolved. '' WE PROVIDED NEW EVIDENCE WHICH THEY IGNORED ... BUT WE WILL LIMIT THIS COMPLAINT TO THESE FOLLOW UP QUESTIONS ~ Nationstar admitted loan origination fraud, loan servicing fraud, embezzlement and more ... when did these acts become legal for your company? 

Nationstar has repeatedly claimed to be the Federal Government/FNMA while hiding their identity from people seeking legal recourse ... when did this become legal for your company? 

Nationstar is intentionally defrauding consumers and the US Federal Government using fraud ... .when did these acts become legal for your company? 

Please note ... the rest of us have no waiver for these laws, can I get a copy of your criminal and civil law exemption? 

PLEASE NOTE THAT NATIONSTAR HAS CONFRIMED THESE CRIMES HAVE OCCURRED ... THEY ARE NOT ALLEGATIONS ... THE COVER UP AND CLAIMS OF NO WRONGDOING AFTER CONFRIMING THE CRIME EXPOSED A COMPLEX, WELL ORGANIZED, CRIMINAL AND CIVIL RACKET ... A RACKETEERING SCAM PROSECUTABLE UNDER RICO ( The Racketeer Influenced and Corrupt Organizations Act, commonly referred to as the RICO Act or simply RICO )
Product: Student loan

They fired over XXXX people from their company in XXXX, and now getting a hold of customer service is impossible. I have called multiple times and been put on 2+ hour wait times, still without ever an answer ( I have had to hang up each time because no response ). Once I waited 5 hours on the phone and my batter died, forcing me to hang up. 

They will not respond to emails and have been completely unresponsive. 

I have filed for an Income-Driven Replayment Plan 3 times already, each time submitting the required paperwork exactly as asked, and each time I get a letter in the mail 2 weeks later stating my application was denied for incomplete paperwork. This is FRAUDULENT behavior and completely unacceptable.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2016 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

Because I am XXXX and they would not take my payment out of my Debit Card, like the last three mortgage servicing companies, I was forced to leave my home , drive to the bank, stand in line, get a cash advance from my other bank and either buy a USPS Money Order, or a Cashier 's Check , drive to the post office, stand in more lines and mail off a certified letter with the payment inside! All the while in excruciating pain!

When I told them I was going to refinance at a lower rate, they lost the next payment! They claimed that I missed two payments on my VA secured home loan about three years ago, but I did send the money to them in Certified letters that they signed for, but never credited to my account. They hounded me for over a year until I finally filed a law suite against them. They continued to report me late and hounded me for almost three years, and refused to deliver the materials he requested. Their actions caused me great physical and mental distress, huge expenses in both direct costs due to higher interest rates and lost opportunities. I was forced to sell my home to try to get away from them, which I did at a great loss. I could not buy a second home because of their malicious and false credit reporting. If they had not destroyed my credit, I could of had dozens of homes to choose from at then bargain basement prices, but which are now much more expensive, some even double as much! 
If you doubt any of this, call my Lawyer! He has a file two inches thick with my proofs AND all of the exact dates of this entire episode of their terrible actions!