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

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I listed an electronic item on XXXX XXXX for {$250.00} on XX/XX/2023 and the day after ( XX/XX/2023 ) someone reached out with an inquiry to purchase. He first asked bout condition of the device and then said he was interested in purchasing. He said he was busy so he would ask his sister to pickup the item on his behalf and that he would pay me immediately. We agreed to use XXXX. 
He claimed to pay me {$250.00} using my email linked to XXXX, but when I checked my account it wasn't there. I shortly got an email from XXXX telling me that the person has paid but I haven't received the money since my account isn't a " business account '' and therefore my credit is too low to receive the funds. To upgrade my account, the buyer would have to send me an additional {$500.00} to upgrade my account in which I would have to refund it back. 
He agrees to do so and claims to send me another {$500.00} with a screenshot of " proof ''. I then get another email telling me the buyer has payed the extra {$500.00} and that I need to send {$500.00} from my end to an " agent '' of XXXX so that they can release the funds to both parties. I unknowingly sent the money in which I soon realized something was wrong. The scammer then proceeded to pretend that he sent another {$500.00} by mistake and that I needed to send the agent another {$500.00} to release the funds he had sent in the first place but I had cut off communication with him at that point. Finally, he sends me another email which claims if I don't send him the money I will be arrested which I ignored. 
I contacted Citibank which is linked to my XXXX immediately about the scam but they said they could not credit me since I had initiated the payment
Product: Mortgage

I recently paid off my mothers mortgage with a personal loan. The loan was for {$21000.00}. Then did a closing with a lawyer. The house is now mine ( mom is XXXX ). My plan was to use the equity in the home for a home equity loan to lower my rate from 8 % to 3 %. Also from a 6yr personal loan to a 15yr home equity considerably lowering my monthly payment. The Check was received by the mortgage company in XXXX and processed XX/XX/XXXX. It is now XX/XX/XXXX and the lein has not yet been discharged. I have made several phone calls and been given the run around. My bank that is carrying my personal loan has also spoken with the mortgage company along with the county where the home is located. Every month I'm losing money!! Please help
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 

XXXX XXXX You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Product: Mortgage

DMI Mortgage has refused to process my application for Loss Mitigation in a timely matter thus allowing the home to go into an 'active foreclosure ' status. Being an XXXX XXXX XXXX member XXXX, DMI sends only correspondence via traditional mail then claims I do not reply in a timely manner. It takes 3 weeks for mail to get overseas. I have given them my email over and over but they only refuse to speak thru official mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance {$26000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$68.00} XXXX XXXX XXXX {$530.00} XXXX  XXXX XXXX XXXX Balance {$910.00} XXXX Balance {$8300.00} XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1300.00} XXXX, XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX XXXX  Balance {$390.00} XXXX  XXXX Balance {$6200.00} XXXX XXXX  XXXX Balance {$620.00} XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$210.00} XXXX XXXX  XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXXInquiry Date XX/XX/XXXX XXXX - XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681Section 602A. 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

Been disputing Debt for years I have ask on several occasions to validate the debt i never heard anything back from the companyplease validate the debt ..please show me the original contract
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts have violated my rights XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX 15 U.S.C. 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish an account without my written instructions
Product: Mortgage

REAL TIME RESOLUTIONS, INC XXXX XXXX XXXX XXXX, TX XXXX
PAYMENT RESOLUTION DEPARTMENT, XXXX XXXX
WE ARE NOT BEHIND IN ANY PAYMENT.   SEE ATTACHED ALL PAYMENTS MADE TO YOU AND TO XXXX THE PRIOR SERVICING AGENT.  IF YOU FOLLOW THE PAPER TRAIL YOU CAN SEE THAT: XXXX WAS PAID XXXX ON XX/XX/XXXX 
REAL TIME WAS PAID XX/XX/XXXX ON XX/XX/XXXX
REAL TIME WAS PAID XXXX  ON XX/XX/XXXXREAL TIME WAS PAID XXXX ON XX/XX/XXXX
REAL TIME WAS PAID XXXX  ONXX/XX/XXXX
REAL TIME WAS PAID XXXX  ONXX/XX/XXXX
REAL TIME WAS PAID XXXX ONXX/XX/XXXX
WE ARE FILING A COMPLAINT WITH THE CONSUMER FINANCIAL PROTECTION BOARD
CFPB.GOV/
WE DO NOT OWE YOU XXXX  AND WE ARE NOT BEHIND AND WE DO NOT OWE XXXX IN LATE FEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I have had several credit reports brand with my information by email that I did not sign up for or did I did not apply with my information. I have also received emails from XXXX and XXXX stating I have ordered products in my name which I have not bought nor do they reflect on my accounts nor did I authorize them. I have reported spoofing emails to XXXX and XXXX and I am trying to get these credit reports off of my personal credit. My identity was stolen last XXXX XXXX weekend in XXXX XXXX  which I also followed a police report with them. I also have a business which my business information was also stolen with my ID social security card and bank card and credit cards which were reported in the police report. I continue to receive suspicious emails and credit reporting that my credit has been ran which I have not done or authorized.
Product: Student loan

I have several Federal Student Loans serviced by Navient. Prior to entering repayment in XXXX XXXX and since that time I have had several issues with customer service providing incomplete or inaccurate information but one instance truly stands out. As part of financing my XXXX education my mother took out a loan on my behalf. Then-XXXX described this Parent Plus loan as being in my mother 's name initially but then being my responsibility to repay following matriculation. Without this loan I would not have been able to continue my XXXX or XXXX education. Prior to XXXX XXXX I received several communications from Navient concerning my loans and, since we believed that this Parent Plus Loan was now connected to my account, we assumed all loans were included on these communications. Fast forward to XXXX XXXX and my mother receives correspondence from Navient indicating that she has defaulted on this loan and they would be notifying the Credit Bureau and withholding her Income Tax check. We did not receive ANY correspondence relating to this loan itself at any point prior to this. To our horror, we learned that this Parent Plus Loan is actually still linked to my mother 's name and there is no way to transfer it to my name, either through Navient or otherwise. The Navient representative we spoke to, XXXX, said that we must either pay all past-due payments, interest, and fees within 30 days or enter forbearance : those were the only options given to us. XXXX went on to say, " I know, they did n't really explain these well a few years ago '' ( referring to the Parent Plus Loans ). Obviously we did not have XXXX of dollars to clear up these issues so we were forced into forbearance. The forbearance period is now over and I am unable to enter into an income-based repayment plan on this loan because it is not linked to my social security number even though I am the one paying it. Navient provided incomplete, inaccurate information and completely defrauds consumers. Navient preys on desperate students and forces them into payment plans which cripple them and allows for no room to live.
Product: Debt collection

Reopen complaint XXXX or submit this as a new joint complaint. 
On XX/XX/2022 my account with XXXX XXXX XXXX was canceled. They continued to bill me until XX/XX/XXXX. I called to dispute the charges. Double billed me for XX/XX/XXXX to XX/XX/XXXX. Talked to several representatives in billing, loyalty, and cancellation department. All acted like they did not see the billing error or there was nothing they could do about this because the system was not allowing adjustments on a canceled account. I should only have to pay for services that were used. I calculate that I only owe {$350.00}. I have also made a payment to XXXX of XXXX. Then Credence inserted this on my credit report, never notified me that had the account. Falsely reporting that I made payment to them. XXXX is still accepting payment on this account Credence can not insert false information on my report. I can not owe both companies one debt. 

Company did not validate the charges. Sent me a final bill as proof of valid charges. Did not address the fact that I stated that XXXX XXXX XXXX  double billed me for one month of service and expect me to agree to the charges. Phone not been active since the end of XXXX when service was originally suspended. Switched to XXXX on XX/XX/XXXX because I was in the process of onboarding with a new employer when XXXX XXXX XXXX interrupted my service and refused to reinstate or anything after being a loyal customer with no previous phone interruptions. I will not pay the balance because I do not agree with the amount. I was never under a contract, if so produce it. Called XXXX XXXX XXXX several times and they did nothing to rectify the situation. Credence can not insert inaccurate information onto my credit file. I repeat I do not owe XXXX XXXX XXXX the amount that they are stating. I did owe them for the remaining payments on a XXXX XXXX and that is the amount that was paid. Do not blatantly lie and say there was no phone on the account when I have proof. I will not make another payment for this account until they prove that all the remaining charges on the account are valid. Submitted proof that I was double billed and Credence continues to assert that I owe the full amount. If they continue to report this inaccurate information on my credit files, I will seek monetary damages for slander.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, Alleging systematic issues such as failing to forward consumer-provided Evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experience has neither corrected or removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates Federal law and rights as a consumer. 

The following Account attached : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

company has not responded to my dispute of inaccurate information on consumer report
Product: Vehicle loan or lease

I XXXX XXXX XXXX was denied an extension of credit by U.S. Bank on XXXX XXXX for a consumer credit transaction thru XXXX XXXX XXXX XXXX XXXX. It is indeed against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer pursuant to 15 U.S. Code 1691 ( c ). U.S. Bank assumes civil liability pursuant to 15 U.S. Code 1691 ( k ). U.S. Bank has violated my federally protected consumer rights. 15 U.S. Code 1681m, 15 U.S. Code 1642, 12 CFR 1002, I have proof and evidence of U.S Banks discrimination in the letter dated XXXX XXXX making U.S. Bank criminally liable. THIS WILL BE CONSIDERED AN UNAUTHORIZED USE SINCE I HAVE RECEIVED NO BENEFIT!
Product: Student loan

I consolidated my federal subisidized and unsubsidized student loans in 1995 with Great Lakes. I was told at the time I consolidated and every year after that, that I was in the XXXX  and Public Service Loan forgiveness program. At the end of my 10 years of making automatic payments to Great Lakes, I was told I did not have that type of loan. I could refinance to that loan and begin paying triple what I have been making for another 10 years. I now have to go off my husband 's income. I have been paying on these loans for 13 years and still owe what I borrowed. Please help me. I will provide any documentation if you think you can hellp me.
Product: Debt collection

Copious amounts of money were paid to this company and yet they are attempting to collect more with zero validation of debt provided to me. No evidence of validation of debt has been provided to me after multiple attempts and certified letters through USPS. 

ATTACHED ARE PAYMENTS MADE TO XXXX. 

MOVE IN XX/XX/XXXX MOVE OUT XX/XX/XXXX {$2700.00} paid {$2600.00} paid {$2600.00} paid again That is a total of {$8000.00} for XXXX months of rent when rent was only {$2600.00}. 

I WANT VALIDATION OF HOW THIS COMPANY IS ALLOWED TO PLACE ON MY CREDIT REPORTS AN AMOUNT EXCEEDING {$3000.00} NEARLY {$4000.00} WITHOUT ANY PROOF BEING SENT TO ME AND THE CFPB NOT OBTAINING THIS INFORMATION EITHER! 

I will include all parties involved in the illegal activities of not providing consumers validation of debt or due process of allowing disputes. THIS IS A DISPUTE OF DEBT
Product: Mortgage

On XX/XX/2019, I refinanced my home loan. The previous company handling the loan was : Statebridge Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Statebridge Company , LLC, ( the former loan servicer ), has {$12000.00} and {$820.00} in escrow funds that they claim has been dispersed on XX/XX/2019, but I have not received the funds. 

My concern lies in that repeated e-mails go unanswered, and telephone representatives can only repeat that their records show that on XX/XX/2019, the funds were dispersed. They are unable to tell me to whom and in what manner. 

An additional concern is that a check with the XXXX XXXX XXXX, they have a " D '' rating and a current alert, for their history of complaints, and unresponsiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello hows it going, My name is XXXX and i am trying to see if someone can assist me as i am trying to get a mortgage loan for my family to get them out of a bad area we are in. My only issue is that closed XXXX auto loan account is reporting a late payment inXX/XX/2016. I don't know of this is incorrect or factual but i am asking out of good faith for help in the removal of this remark as the underwriters are giving me problems and want to stop the loan because of the late payment i have showing. Please help me as much as possible as you can see i paid every other payment on time and satisfied the loan completely as well early. Making payments was never an issue it could have been an overseen mistake or that i was sick in the hospital dealing with my wife being pregnant and many complications. Please advise, thank you and XXXX bless. 
XXXX Account # XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT REPORTING AGENCIES HAVE BROKEN THE LAW AND I AM TIRED OF BEING VIOLATED! 

I NEVER gave Experian, XXXX, or XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agencies has caused severe stress and anxiety due to the abusive and unfair practices by the creditors listed on my credit report, not to mention I have been denied employment due to the inaccurate information on my reports.
Product: Credit reporting or other personal consumer reports

My account shows an inaccurate balance. This account is fully paid off and should reflect a {$0.00} balance. This is killing my XXXX and making it hard to obtain financing.