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

Since  XXXX   XXXX ,  XXXX   XXXX   XXXX , a collections company, whom I have NEVER done business with nor have I ever had an account with, has been reporting a Debt Buyer Account on my   XXXX   credit report an amount of {$410.00}. I have disputed this account with   XXXX   and was told by them that they verified this account as being mine, which it 's not.     As instructed on the  XXXX  investigation report, I have called  XXXX  at the number provided on the credit report numerous times to dispute this matter using the account number provided by  XXXX  which appears on the investigation report. For my own protection, I am refusing to give  XXXX  any additional information -- especially my SS # to a collection company in the event they make any additional inquiries which ought also need to be removed from my credit profile. Although I provided  XXXX  with the account number, my name and address to verify my identity to them as it appears on my   XXXX   report to identify myself as the person disputing the erroneous and damaging information they are reporting on credit profile,  XXXX  refuses to discuss this account with me because I refuse to give them the  last 4 digits of my  Social Security number, citing privacy protection.     After their many attempts to justify their reason of needing my social security number to identify me they used  one of the ir internal systems to access my name and number through their system and asked me to confirm the last  XXXX  digits of my SS # which the agent named "  XXXX  '' said she had my full social security number in front of her as proof that  XXXX  performed an UNAUTHORIZED CREDIT CHECK which appears on my credit report and have not provided any information besides stating a DEBT BUYER ACCOUNT. I told  XXXX , I knew my rights under FCRA and by providing a company issued account number, that I did n't have to provide my SS # as reasonable ID -- particularly to a DEBT COLLECTOR speaking on a RECORDED LINE ; who would ultimately use my information in their own pursuit of debt collection activities.     Also, inany of my disputes neither  XXXX  nor  XXXX  has provided any additional information to me such as a statement or contract to indicate the origin of this collection debt, to resolve this matter, since I have never had any dealings at all with  XXXX , no contracts, no signed agreements, no nothing. On  XXXX   XXXX ,  XXXX , I applied for an apartment and my application came back saying I had to provide an additional {$720.00} Security deposit because  XXXX  has placed this on my credit report -- fraudulently and illegally. This is even more frustrating because they say date of first delinquency is in  XXXX ,  XXXX , date opened,  XXXX ,  XXXX ,  XXXX  and have been reporting this since  XXXX  of  XXXX , creating numerous erroneous inquiries among my other credit reports ( i.e.  XXXX ,  XXXX , Experian Rental  Bureaus   ), a s well.     I pray you can help me get this sorted out. Thank you.
Product: Credit reporting

The original case number was reported in XX/XX/2017, stating that my husband and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX GA, XXXX. XXXX and XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I was approved by my college officials to travel to Puerto Rico to help the people during Hurricane Maria restoring power and water while continuing education. I traveled to the XXXX XXXX to assist the people as well there. However my bag was stolen from my rental car that contain my identification and other pertenant information. I made a police report about the incident while out of the country to possibly retrieve my missing belongings and never did. I became a victim of credit card fraud and identify theft reporting to all three credit bureaus to possibly help fix the problem. As of today nothing has been done that has a direct negative effect on my personal and business credit. Experian sent my complaint and information back return to sender address unknown. It has become impossible to reach Experian to help fix this issue as well as receiving there credit boost for paid utilities. I did send all information to XXXX  with a official police report and yet to receive information considering a investigation., It has been two years struggling to bring a resolution to this credit issue. Now with the COVID -19 destroying the economy it has become extremely important to fix my credit to empower others
Product: Credit reporting, credit repair services, or other personal consumer reports

my accounts still have not been removed as requested its been longer than 30 days. I requested for them to be removed and blocked and not dispute.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I formally disputed inaccurate and unverified information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts contain errors and must be removed unless properly verified per federal law : XXXX. XXXX Account # XXXX ( Collection/Charge-Off ) XXXX. XXXX XXXX Account # XXXX ( Collection/Charge-Off ) XXXX. XXXX XXXX Account # XXXX ( collection ) XXXX. XXXX XXXX  -Account # XXXX ( Collection/Charge-Off ). XXXX. Bankruptcy XXXX # XXXX ( public ). XXXX. XXXX XXXX XXXX XXXX # XXXX ( collection/charge-off ). XXXX. XXXX XXXX XXXX - ( Collection/charge-off ). XXXX. XXXX XXXX XXXX XXXX - ( collection/charge-off ). XXXX. XXXX XXXX XXXX # XXXX ( XXXX ). 
Dispute Basis & Legal Violations 1. Violation of 15 USC 1681i ( c ) ( 2 ) Block of information resulting from identity theft. Due to data breach. 2. Violation of 15 USC 1681i ( a ) ( 1 ) 30-Day Response Requirement Under this statute, you are required to conduct a reasonable reinvestigation of disputed items within 30 days. Failure to meet this requirement mandates the immediate deletion of the disputed accounts. 3. Violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to Provide Investigation Protocols If you claim the accounts were verified, I demand documentation of the investigation process, including the method, sources, and the name of the party who verified the information. Simply stating an item was verified without proof is a violation of my rights under the FCRA. 4. Violation of 15 USC 1681i ( 2a ) ( 5 ) ( B ) Improper Reinsertion of Previously Deleted Items If any of these disputed accounts were previously removed but reinserted, you must provide written notice within five business days of reinsertion, per FCRA guidelines. If you can not comply, the accounts must be permanently deleted. Request for Immediate Resolution If you can not substantiate these accounts with documented, verifiable proof from the original creditor, you must promptly remove them from my credit report per FCRA 1681i ( a ) ( 5 ) ( A ).
Product: Vehicle loan or lease

I have already spoke with Mercedes financial They was already resolved. Car was return back in XX/XX/XXXX car was sold in XX/XX/XXXX. No balance now I been getting calls that I have a balance. These calls are every day
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a complaint regarding XXXX, Equifax, and XXXX, all in which I stated : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - XXXX and XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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. I also stated to delete those accounts off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/ and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my creit report. 
I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurate. However, these accounts are STILL inaccurate and your company is still continuing to report errors on my credit file, which is causing damage to my credit score. 

1. XXXX # XXXX 2. XXXX # XXXX 3.XXXX XXXX  # XXXX 4. XXXX # XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting.
Product: Debt collection

I have no idea what this company is, I have asked them to send whatever it is through the mail and was met with a very rude and disrespectful answer. I have asked them to stop contacting me, and they just use a different phone number. This has been going on for 6 months to a year now.
Product: Mortgage

I applied for a HELOC with US Bank Mortgage Division at the end of XXXX. I strongly believe my loan request has not been given proper attention. I am a single woman and this may be a fair lending issue. Below is a timeline of the transactions : Disclosures printed XXXX15I provided the bank with all requested information by XXXX/XXXX/15. 
The appraisal was completed on XXXX/XXXX/15. 
On XXXX/XXXX/15 I was asked to submit additional income information, which was submitted on XXXX/XXXX/15. 
On XXXX/XXXX/15 I received a denial of the original request for $ XXXX with a counteroffer of $ XXXX. I called to accept and no one returned my call. I emailed my lender and shedid not return my email. After several days of no response I called the supervisor who didid not return my call but had the lender call me. The lender said it was still inunderwriting and the letter sent was just a letter they send out and not an actualapproval. She would let me know when it was approved. I returned the offer letter via certified mail with receipt by the bank on XXXX/XXXX/15. 
On XXXX/XXXX/15 my lender notified me to have my insurance add them as the second mortgage on my insurance. My insurance agent complied. I asked the lender when we were closing as they are adding a second mortgage to my insurance. She said I wasstill not approved. 
On XXXX/XXXX/15 I requested a status on my loan and my lender said she would check andlet me know. 
On XXXX/XXXX/15 I was determined to get someone, other than my lender, to talk to me and after being on hold for 40 minutes was transferred to my. lender. She said she would look into the status. Later the same day I received an email telling me I did not qualify and would have to payoff my car loan in order to get the loan. I replied stating the car loan had not changed nor did my income from the date I received an approval. 
So after 72 days from the day of disclosure the bank is denying me on income which was in their hands on 9 days after the day of disclosure. I believe this is a violation of Reg B requiring banks to notify customers of a denial within 30 days of a completed application. In addition they provided a letter of approval for $ XXXX and are now saying that letter was not valid. I have documentation and emails to verify all of the above information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Hereinafter referred as consumer or affiant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX NISSAN MOTOR ACCEPTANCE CORPORATION FULFILLMENT DEPARTMENT ATTN : XXXX XXXX, XXXX Hereinafter referred to as you, your, your company or affiliates XXXX XXXX XXXX XXXX, TX XXXX CC : REGISTERED AGENT C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX XXXX : ADVERSE ACTION Dear NISSAN MOTOR ACCEPTANCE CORPORATION FULFILLMENT DEPARTMENT , I , the consumer and natural person, was denied credit by NISSAN MOTOR ACCEPTANCE CORPORATION , when I applied for a extension of credit for a vehicle. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1692k. 

You are subject to criminally liability for violating 15 U.S.C. 1961 as I have proof that I was discriminated against by NISSAN MOTOR ACCEPTANCE CORPORATION due to the response that I received. 

NISSAN MOTOR ACCEPTANCE CORPORATION is in violation of 15 U.S.C. 1681m and 12 C.F.R. 1002 because I, the consumer made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used, and I received no benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of NISSAN MOTOR ACCEPTANCE CORPORATION.

If NISSAN MOTOR ACCEPTANCE CORPORATION fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make NISSAN MOTOR ACCEPTANCE CORPORATION criminally and civilly liable for all actual damages pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o.

I will also follow up with and invoice for said violations of ( {$5000.00} ) per violation. 

Thank you, XXXX XXXX XXXXXXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Rights Reserved
Product: Credit reporting or other personal consumer reports

XXXX VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE XXXX XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Attached I have a self attestant signed by a state governmental entity, which is listed as one of the acceptable XXXX determination documents. 
According to the FCRA, consumer reporting agencies can only deny or rescind a block in limited circumstances : 1. The identity of the survivor can not be reasonably confirmed ; 2. The survivor did not provide documentation from an accepted source determining that they are a victim of XXXX XXXX and/or XXXX. The consumer reporting agency can not identify the adverse credit information to be blocked. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Product: Mortgage

My mortgage loan is currently serviced by Nation Star and the regular monthly payments were {$1000.00} per month. Nation Star offered a trial loan modification where the payments were increased to {$1300.00} per month ~ see attached. Nation Star has refused to record this modification, claiming they need {$1100.00} to complete the process. The loan modification agreement is demanding {$930.00} per month in monthly escrow payments. The escrow account grossly distorted since my taxes are {$5200.00} per year and insurance is {$800.00} per year. My escrow charges should be {$500.00} per month and total payments should be {$930.00}. Nation Star claims the escrow account is deficient, which is impossible because all the past due escrow has been recapitalized in to the modification agreement. All of the figures listed on the " AFFIDAVIT UNDER SECTION XXXX OF NEW YORK STATE LAW '' do not add up. There is a demand for new money ( {$54000.00} ) and a demand for a total balance due ( {$110000.00} ). I have requested a complete breakdown of the alleged total balance due and Nation Star has refused to furnish it. Nation Star is also pushing a 480 month amortization schedule, which is predatory and unnecessary. I originally borrowed {$66000.00} in 2004 and never refinanced my property. Therefore, there is no way my balance could be {$110000.00}. Nation Star is clearly distorting the escrow account and balance due to the extra equity in the property. I feel cheated and deceived by Nation Star, therefore I am seeking your assistance on this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAVALRY PORT ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAVALRY PORT ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, and  XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions
Product: Mortgage

Do to health issues, loss of employment and a divorce I fell behind which sent me in to the foreclosure process. This started in XXXX, I made every attempt to get a loan modification. I was assigned a Single Point if contact, XXXX throughout the 3 yr process. I 've never spoken to XXXX them. I 've spend over 40 hrs on hold, being transferred to n fro from Dept to Dept. I ended up having to file bankruptcy to get them to work with me. This entire bankruptcy cost me more than my arrears. I finally got my loan modification in XXXX of XXXX. Thank you. But because I was still in the bankruptcy process I was n't allowed to make payments online. To make a payment by phone I 'm charged an extra {$15.00} per month. I 've been told for 3 months now I can pay online but when I try, I receive a msg telling me I have to call. Then I 'm charged extra, on hold and bounced to a minimum if XXXX depts and told I should pay online to avoid the {$15.00} charge. I 'd love to. I 'm very grateful to have gotten the loan modification and am doing great financially but feel I 'm still be prohibited from paying in a normal manner, and charged a bogus fee. This month I started trying to pay on the XXXX and was unable to get payment thru til the XXXX due to being bounced and on hold. I have to work, when I 'm available to hold for extended periods the phone lines are closed. Sometimes people really are trying. But the loop and hoop sytem puts them further behind.
Product: Credit reporting or other personal consumer reports

Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. To substantiate the seriousness of my identity theft claim, I am providing you with a legal law enforcement agency report, which was filed with a federal agency. I anticipate that we can resolve this matter within the required 5-day timeframe. Items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Please delete these items ASAP.
Product: Money transfer, virtual currency, or money service

This complaint is about Robinhood. 3 weeks ago I tried to sign in to my account to withdraw the last of the funds as I am done with using Robin hood in its entirety. I could not sign in, I used their reste password method and I was never sent a reset email. This led me to go on their website and reach out to help and support because there is no customer service phone number whats so ever. After waiting for a week and sending about 100 emails and tagging them on XXXX, they finally asked for an ID because they needed more information to verify me. I have sent them the ID 2 weeks ago, I keep since then emailing them to provide me with more information. I have not had any replies. Since all this happening, I have had my bank account fraudulently added to a new unauthorized account on XXXX XXXX, Ive had my bank account hacked into twice.
Product: Credit reporting or other personal consumer reports

I KINDLY REQUEST YOU BLOCK THIS INFORMATION FROM MY CREDIT REPORT, PURSUANT TO SECTIONS 605C OF THE FAIR CREDIT REPORTING ACT.I AM A VICTIM OF XXXX XXXX XXXX XXXX AD WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Discover credit card. I asked for confirmation of debt and wanted all of the wet signatures. They sent me a statement. A statement is not a confirmation of debt. Then they said it was verified. So I asked it was verified by who, what name address phone number and title like a lawyer etc. They just told me it was verified. So I verified you as a incompetent XXXX. So I am going to send this case to arbitration and place a lien on ceo surety bond. They refused to accept my coupon for payment which is legal tender. The bill came saying XXXX XXXX ( XXXX ) not me XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Pay to order of : Discover credit card {$6000.00} and XX/XX/00 By : accommendation XXXX Irs : XXXX, Without recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  and Transunion in reference to accounts : Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX  XXXX ; Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX XXXX. I contested the accuracy of the furnisher 's reporting of the payment history which both companies responded to my dispute that the accounts were being accurately reported. How are these accounts being " accurately reported '' when they have the payment status for XXXX listed as " OK '' but the following month XXXX is listed as 90 Days late. How can they report a 90 day late payment status without first reporting 30 and 60 day late payments. These erroneous accounts should immediately be deleted from my consumer report.