23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Where is the Home Loan Application, Where is the authorization of such charging such card or account, where is the 4506T verification as stated and indicated in such credit card agreement, where is the Department of Veteran Affairs 's Form XX/XX/2019 XXXX and legal counsel of record name XXXX street address for effective service of summons and subpoenas, phone number which I as a consumer has the rights to obtain and received upon request? Where are the official and legal records listed and noted in the PROPER RECORDS request for local, state, and federal law enforcement agencies? Failure to produce these items validates FRAUD and this business should be sued in any court of law where jurisdiction is appropriate. 

I want ALL THE OFFICIAL AND LEGAL RECORDS from the list of records attached as well as the disclosure statement of records saying that such credit card company has the right to request any consumer to consent to signing such Form 4506T and the completed and legally signed off form called Department of Veteran Affairs Form XX/XX/2019 XXXX. I want the official and legal charge to what or for what in the amount of such debt of {$500.00} from the Discover Home Loan Department. I want the Discover Home Loan Application showing my signature of record to charge such and to support such a written statement by this financial institution.

All official and legal records must be under a sworn affidavit and No Exceptions. 

Please provide all detailed reports you have collected and gathered from the attached list requested from your business or office. 

I don't owe this business anything, this business now owes me. 

This is filler-busting and shaming the process. 

This financial institution will be sued in court and will be held liable for all court costs and fees and full restitution of damages caused and presented in this illegal response and filing before the Consumer Financial Protection Bureau and the acts and actions they have caused by unethical reporting the credit bureaus in the official and legal records will be attached and presented in a court of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX from 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 an account without my written instructions.
Product: Debt collection

First of they call back to back numerous times. Finally I said let 's break of in payment and send it for me to go over and sign. Then I emailed and said dates are not right. They can call but they wo n't talk threw email or letter and with me I like things in writing. So they called back to back again 2 days straight so today I finally answered but when they started talking I had to hang up because my boss walked in. So they called numerous time after that then called a relative telling them all my information and that to me is unprofessional. My relative called me upset asking why they telling her all my business. I 'm so upset right now because this is unprofessional
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I paid off my XXXX  credit account and closed the account. Somehow comenity bank was still able to add interest onto my account ( keep in mind I closed it after I paid off the debt ) and wanted me to pay the interest that they accumulated into my closed account.
Product: Credit reporting or other personal consumer reports

I was looking for a car and submitted an application this month through XXXX XXXX XXXX I gave the report number to a dealer and they said they was not going to run my credit. They were just looking or the application with XXXX. Needless to say they ran my credit and I was notified via XXXX. I complained to the salesman because they lied and ran my credit. The XXXX called and said it was a misunderstanding ( XXXX XXXX did this ). I did not authorize a credit pull with anyone that XXXX used because I had already done an application with XXXX XXXX.
Product: Checking or savings account

I encountered an issue with a Chase ATM deposit on XX/XX/XXXX. After depositing {$6900.00}, the ATM prompted me to call XXXX for confirmation. Upon calling, a specialist initiated a claim related to my deposit. However, only {$1000.00} was credited back to my account on XX/XX/XXXX without any explanation. Upon contacting the claim department again today, another specialist stated he could see the previous record, which unfortunately didn't contain information about the {$6900.00} deposit. He has initiated a new claim. 

As a college student relying on these funds for tuition due tomorrow, I'm concerned about the delay. What steps should I take to resolve this?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Date opened XX/XX/XXXX Balance : {$590.00} Late open XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$2400.00} Late Open
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy on my credit report and noticed, I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts identified in the attached file are a result of identity theft and do not relate to any transactions made by me. The identified accounts also contain information solely as to transactions or experiences that should be excluded from any consumer report.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report. I discovered unverifiable, invalidated, inaccurate and questionable items on my credit profile ; and Equifax didn't ensure these accounts were reporting 100 % correct. Equifax has continued to show no regard for and disrespect for the law. 

In accordance with the Fair Credit Reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual of whom the information relates ; and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Equifax stated that the XXXX accounts ( XXXX : XXXXXXXX XXXX : XXXX ) were properly investigated and came back as verified ; however this is clearly not true when their are several inaccuracies showing on my report! 

As a consumer, I would like to know all the steps this agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this collection and agree to deleted from my reports. But they wont remove it from my reports. Saying theyre not allowed to deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Upon viewing my credit reports I noticed my " XXXX - XXXX had a discrepancy in the Two-Year Payment History. Transunion and XXXX are reporting a 30-day late payment for XXXX, XXXX, XXXX, XXXX, XXXX. However, XXXX is reporting a XXXX late payment for XXXX, XXXX, XXXX, XXXX, XXXX. If this is the same account, reported by the same creditor how is the payment history different? Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please " PAID/PAYS AS AGREED, NEVER LATE " this item immediately. 



I have enclosed a screenshot for your viewing. Please see Two Year Payment History '' Section.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I made an online purchase from a company that appeared to be USA based. It was advertised as XXXX XXXX. As soon as I sent the payment I received a notification from Paypal that indicated it was to an overseas address. Go to the Paypal site to stop the payment within 30 seconds and it's already been completed. I immediately received a ship notification from the seller. At this point I'm figuring I'm out the {$50.00} I spent for 2 pair  of XXXX XXXX but hold out hope that at least if they are cheap knock offs that they'll fit. At the end of XXXX the sandals arrive and they are not the XXXX advertised, but cheap imitations. AND they are at least one full size too small. So I checked in to a refund. Sure, send them back and we'll refund you. The issue, it is gon na cost me at least {$65.00} to send back a {$50.00} order that was falsely advertised to begin with. I contacted Paypal on XX/XX/2020 to intercede. Over the last 42 days I've had a case open, been in contact with Paypal, only to be told that they can't refund me because it wouldn't be fair to the seller. Really? So they are supporting false advertising and the overseas thieves that take advantage of policies meant to protect honest people. The good guys get the shaft again. I've had trouble with Paypal before on an overseas purchase which is why if I had know this was, I wouldn't have completed the sale. The picture attached is the ad off of XXXX that I purchased from. I went and took a screenshot as soon as I was aware of what was happening at the time of order.
Product: Debt collection

I sent convergent a debt validation letter on Date : XX/XX/2018 Delivery Confirmation : XXXX XXXX XXXX XXXX XXXX ( letter attached ) for an account listed on my credit report. I received a letter on XX/XX/2018 ( letter attached ) with no attached contract, mutual agreement, or anything that validate the debt they say I owe them.On XX/XX/2018 ( letter attached ) they sent another notice out saying this debt is valid and attached is verification of the debt which they did not provide debt validation.They attached a service agreement that do not have convergent name on it at all.According to Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I requested validation made pursuant to the fair debt collection practices act and the fair credit reporting act, along with the corresponding local state laws. I requested validation that is competent evidence bearing my signature, showing that i have or ever had some contractual obligation to pay them. They is in violation of fair debt collection practices act ( including but not limited to section 807-8 ) and violation of the fair debt collection practice act ( including but not limited to section 623-b ) The legal definition of verification which requires a sworn testimony under penalty of perjury in other words and affidavit, false affidavits is violation of fdcpa. They totally ignored my request and need to delete this information off my credit report.
Product: Credit reporting or other personal consumer reports

According to the Family Educational Rights and Privacy Act my student education records are to be privately protected. Per the 15 U.S. Code 1681 ( a ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian, XXXX, XXXX have violated my right to privacy by furnishing information to the Department of Education. In accordance with 15 U.S Code 1681 ( b ) permissible purposes of consumer reports my written consent is needed to add anything to my consumer reports. This is a violation of the Fair Credit Reporting Act. Any and all consent to the U.S Department of Education as well as XXXX, Experian, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. '' XXXX, Experian, and XXXX are not maintaining reasonal procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$450.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have multiple family members with the same name who are using my information. There has been several cards and accounts that have fallen behind that doesnt belong to me. 

XXXX XXXX XXXX XXXX XXXX I have never used this card or applied. 

XXXX- does not belong to me. I have never attended school. Someone opened a student account XXXX XXXX. No knowledge of this account
Product: Mortgage

On XXXX XXXX, XXXX we lost our home to our a fire. The home was a total loss and in accordance with Georgia law, our insurance company paid us the coverage maximum on our house. We endorsed our payment check and sent it to our mortgage company Nationstar Bank in XXXX XXXX. Since recieving that check, Nationstar has not been of any assistance to us at all. We originally told Nationstar that we were going to act as our own general contractors to which they said fine. we started taking the steps to rebuild our home and 6 weeks later Nationstar told us that we could n't build our own home. We called them and explained we were n't actually building the house but would be managing the sub-contractors who would be. They said fine. At this time I clarified payment procedures and was told what I needed to submit in order to get the sub-contractors paid. I followed up this conversation with a written letter confirming what I had been told. 

As of XXXX XXXX, XXXX, Nationstar has still not released funding to start the construction of our home. Because of some issues we ran into with our septic system, we decided on hiring a contractor. All applicable paperwork required by Nationstar has been sent in to them. We need them to release funds to our contractor and also to reimburse us for funds we expended that we were told we would be reimbursed for. We called and complained when they said they were n't going to pay us. Approval was granted to pay our reimbursement by corporate headquarters but when I called today to check on the status of any payment, I was told that we could n't be reimbursed until 90 % of the home was rebuilt, something that was never ever told to us. We just want to get this process done and our home rebuilt, something Nationstar in apparently not interested helping expedite
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
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 XXXX XXXX XXXX. 

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


XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

Company : PayPal Credit Report PayPal Identifier : SYNCB/PPC PayPal Inquiries : XX/XX/20 Inquiry ( XXXX  ) ; XX/XX/20 New Account ( XXXX  ) ; XX/XX/20 New Account ( XXXX  ) I did not open a PayPal line of credit. I have been unable to get a live person with PayPal and I just get the run-a-round. The PayPal website and the phone call only lets you access their dispute center if you have an account. I am unable to determine what this account is because I did not open it. The email listed in the document does not belong to me. I do not want to be held accountable for the fraud charge and the account. The account reflects {$20.00} was charged to the account for some unknown reason. The credit limit is {$3300.00}. Who knows what will happen because I can not get through to PayPal to close the account and notify them of the fraud.