23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

SLS is not honoring a XXXX Bankruptcy Court Order from Day one. The statements do not reflect and have never reflected the court order put in place since XX/XX/XXXX. I have not been provided an accurate accounting for this loan since the Court Order was submitted to the lender. See Attached : Exhibit # XXXX XXXX XXXX of court order. 

I have tried to contact the servicer, Specialized Loan Servicing, who refuse to speak with me or acknowledge that this is a XXXX Court Order chapter XXXX agreement of a 3 year interest only loan repayment. All payment have been made timely per the agreement. 

From the very first statement the accounting has been incorrect and they are adding fees in excess of {$10000.00} to date. I only found this out by ordering a payoff Dated XX/XX/XXXX, See Attached Exhibit # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX with XXXX XXXX, Account # XXXX with XXXX, Account # XXXX with XXXX, Account XXXX with XXXX XXXX, Account # XXXX with XXXX XXXX XXXX Account # XXXX with XXXX, Account # XXXX with XXXX, Account XXXX XXXX with XXXX XXXX  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 written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

am a natural person. i am a living human being, i have rights under 15 usc 1681 equifax, XXXX, XXXX  is govern by 15 usc 1681 and they violated my right numerous of times. i demand the accounts listed below be remove because accoording to 15 usc 1681 : i have the right to privacy and i did not give any of these financial institutions written permission to furnish these accounts you also violated 15 U.S. Code 1681n - Civil liability for willful noncompliance sent your companies a copy of my ftc report, YOU NEED TO TRAIN YOUR REPRESETATIVES BETTER HOW IS IT 6 REP SAYS THEY GOT IT AND YOUR SUPERVISORS SAY THEY CAANT SEE IT
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices. Which violate the 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. Their dispute resolution process is unfair and deceptive. They do not comply with error resolution requirements under EFTA and regulation E. these actions have caused significant inconvenience and financial loss and I seek appropriate red dress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DISPUTE AND SHALL NOT BE CONSTRUED AS A DISPUTE. THIS IS A LEGAL DEMAND UNDER THE FAIR CREDIT REPORTING ACT. 

Ive tried multiple times to resolve this with you. Ive tried disputes, Ive tried fraud reports, Ive even asked for verification of the accounts without compliance from you. Your response is always for me to submit another dispute or to contact the creditor directly. But now that Ive learned what the Federal law states on this issue, and the protections Congress has put in place for me as a Consumer, I am invoking my protections and my rights under the Federal law. 

You BROKE THE LAW. You are furnishing my report without permissible purposes 15USC 1681B. You do not have the legal authority to furnish ANY of the negative items that are on my Consumer report without my permission. 

You dont need specific account numbers as I am referring to ALL NEGATIVE ACCOUNTS AND NEGATIVE REMARKS on my report as well as ALL hard and soft Inquiries not attached to open accounts. 

When I asked your representatives if any of these accounts were verified I was told that the accounts are assumed to be correct because the creditor is furnishing them and you reflect what information they provide you. This is illegal because the only way you can furnish information on my report is if I, as the Consumer, verify them. Any other verification under an Investigative Consumer Report involving a 3rd Party or a Creditor can not include specific factual information about my credit record. 15USC 1681A As a result of you breaking the law and illegally furnishing these negative items on my report, it has caused me mental distress as well as financial hardship. 

In accordance with the law I do not need the accounts verified because I am the only one who can verify them and I never even gave written consent for them to be furnished 15USC 1681A. 

I need all negative items, all negative remarks, all charge offs, and all hard and soft inquires not attached to open accounts removed immediately. If this Consumer report is not brought into compliance within XXXX days I will be forwarding this important issue to the Attorney Generals Office. 

I have attached screenshots of the specific laws aforementioned for your records.
Product: Money transfer, virtual currency, or money service

I made a payment of XXXX which left a balance of {$8000.00}. I called to request my balance to be paid to me and Capital One has stolen my money and refuses to pay me the difference of my account ending in XXXX this is a violation of 18 U.S. Code 1341 - Frauds and swindles I didn't give consent to this account for this isn't mine because there's proof of account is mines. For this also a violation of 12 U.S. Code 5531- Prohibiting unfair, deceptive, or abusive acts or practices stealing consumers money thats owed to them This also a violation of 18 U.S.C. 1348 SECURITIES FRAUD Securities and commodities fraud is a serious crime under federal law, punishable by a maximum imprisonment of 25 years, plus a fine. 18 U.S.C. 1349 confirms that an attempt or conspiracy to commit a violation of 18 U.S.C. 1348 will be punished in the same manner as a violation of Section 18 USC 1348 itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these inquiries were erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Inquired on XX/XX/year>, XXXX XXXX XXXX Inquired on XX/XX/year>, XXXX XXXX XXXX Inquired on XX/XX/year>, XXXX Inquired on XX/XX/year>XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/year> XXXX
Product: Debt collection

Equifax continues to allow XXXX XXXX to reporting an 2 open collections on exempt funds violate the Exempt income protection act an account that is exempt from debt collection should not be reporting an open account or any account this is considered continuous collection on exempt funds and must be deleted at once
Product: Credit reporting, credit repair services, or other personal consumer reports

IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. both stated accounts were removed from XXXX so please tell me how you verified this information to be accurate?
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : GLOBAL LENDING SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus concerning my student loans werent delinquent, because they were in forbearance, they shouldve been marked as being late, I contacted student loan who had a wrong email address, since then the problem has been corrected with student loan and showing in good standing with the bureaus, but they refuse to remove the 5 months of not paying on time, when I told them in was in forbearance, it still remains the same causing my account to reflect negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX  I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$64000.00} AXXXX XXXX  XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$21000.00}
Product: Debt collection

Several collection agencies such as XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), Concord Resolution ( XXXX ), keep contacting my cellphone, work phone and even my employer 's number claiming i have an unpaid online payday loan. I asked for proof but never got any in the mail or email. They know all my personal information and tried to charge {$480.00} from my bank account as settlement. Fortunately, I was able to put a stop payment on it.
Product: Debt collection

In XX/XX/XXXX my wife, XXXX XXXX XXXX, and I attended XXXX XXXX XXXX in XXXX XXXX, Missouri.We entered the agreement through fraudulent enticement and coercion as e.g. our letter filed with the XXXX County Courts of Wisconsin on XX/XX/XXXX. 
Our cases XXXX and XXXX were heard separately. Unfortunately our letter was a day late for my case and I was unable to make an appearance the day of court because of being on the road. 
The court ruled in favor of the plaintiff for the amount of {$7000.00} plus {$800.00} for costs and disbursements, with the total damages being {$7800.00}. 
On XX/XX/XXXX XXXX 's case was dismissed. XXXX appeared for her court dates and testified against the XXXX revealing the multiple incidents of XXXX and other forms of harassment we experienced together as we attended XXXX. The school 's attorney didn't deny the accusations, rather chose not to argue and allowed her case to be dismissed. 
I experienced the same treatment. XXXX and I were seldom apart during our attendance of XXXX XXXX XXXX. My tardy response and inability to appear in court makes me liable to pay the judgement. 
The Gurstel law firm, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI.XXXX, now represents XXXX as a debt collector. I was informed by a representative from their company that I have paid {$16000.00} to date on the my debt that the judge ruled to be a total of {$7800.00}. I was also informed by the Gurstel firm that the amount I owed is {$10000.00} plus interest of {$9300.00} for a total of {$19000.00}. 
I just received in the mail a notification of garnishment for the remaining balance of {$3700.00}. This incurs a daily interest of {$1.00}. 
I may be bias, but this seems absolutely ludicrous. 
XXXX and their attorneys chose not to argue against my wife 's testimony of fraudulent enticement and harassment and her case was dismissed. Knowing full well that they would collect her amount from me plus another tuition in interest. 
So, the school is better off treating their students unprofessionally until they leave unsatisfied and traumatized because they will make more money in collections. 
Unbelievably Violated, XXXX XXXX XXXX
Product: Debt collection

this debt was paid on XXXX settled with the original creditor in the amount of XXXX. 
XXXX XXXX, i will attach a copy of the paid receipt, if you look at all three credit buerua it states settled and paid. 

National credit adjusters LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX is fraudulently trying to collect on a debt already satisfied please remove this entry from all three credit buraus thank you.
Product: Mortgage

On XXXX XXXX XXXX and her husband applied for a mortgage loan through quicken loans. The application was signed delivered and received and approved. 
On XX/XX/XXXX th, 2018 XXXX husband suddenly unexpectedly passed away from a massive XXXX XXXX. 
Due to this unseen circumstance XXXX suffered much damage, loss, injury and destruction. 
Upon recovering XXXX was able to pick back up and move forward in her life. 
The loan they received was in the amount of {$71000.00} plus interest and borrowers did promise to pay this debt in regular periodic payments and to pay the debt in full not later than XX/XX/2048 according to the prepared Mortgage XXXX FHA case no. XXXX prepared by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and the actual preparer is XXXX XXXX. Upon reading this document The Office of The XXXX, XXXX noticed that it clearly states that XXXX is the mortgagor which is defined as XXXX. XXXX that mortgages property, usually the nominal owner entitled to use of the property. 
XXXX. Alternative spelling of mortgager. 
XXXX. The person who gives a mortgage in return for money to be repaid. 
The XXXX XXXX XXXX of the XXXX Upon this discovery of this lack of full disclosure we have found a tremendous amount of defects which is standing grounds for XXXX the donor/beneficiary to receive remedy and recoupment and tender back immediately of all that was offered and received by all interested parties in this mortgage loan. 
I will list a few of the defects in the title : - the title was vested other than as stated in schedule A - documents affecting title not properly created, executed, witnessed, sealed, acknowledged, notarized or delivered. 
- forgery, fraud, impersonation - violation of enforcement which restricted the occupancy, use and enjoyment of XXXX XXXX.
Product: Checking or savings account

I had deposited a check under my roommates name to my account in which I received from my roommate who had stayed at my place for a couple of days, and then the bank freezes my account until further notice. They said they want to verify the check first to see if its real and then make my account available to me. The check was verified, and the money was cleared to use as my balance. 

I, then regained access to my account and made couple of online purchases/transactions while thus proving that the amount on my balance was fully cleared for me to use. Now, they have reversed all transactions I made, including filing for dispute claims to one merchant. 

When I called the bank up again demanding for answers for all this nonsense, and now they want to verify that my roommate had given me this check to go deposit. So, I gave them his number so they can call to verify all of this, but now they are saying that they can not find the phone number in their system. 

The bank is clearly withholding my money unlawfully and making me go on a wild goose chase.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and XXXX ( a ) ( 1 ). ( A ), please investigate the unverifiable items and rectify them immediately in my report : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX XXXX XXXX with a balance of {$2100.00} XXXX XXXX XXXX XXXX  Credit Card with account # XXXX with a balance of {$1300.00}. 
XXXX with a balance of {$1100.00} I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report.