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

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

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I took advantage of this agencies advise, and sent the attached letter to Navient, snail mail, this morning, along with copies of my paystubs etc. At the age of XXXX, I was pretty lost with no goals or direction as to what I would do with my life. Then someone suggested trade school. I have always been very creative/artistic and it sounded like quite the solution to my dilemma. I attended the " Missouri XXXX XXXX XXXX '' for their 6 month XXXX program. Which was paid for with a private student loan, recommended by the school, and co-signed by my parents who were anxious for me to find my way in life. We were all ( not the school ) extremely nave as to the predatory nature of these loans, and applied and signed off in good faith, thinking this was a legitimate student loan, with all of the benefits etc. Obviously, that is not the case, and after paying on this thing for 8 years, have not made a dent in the principal, and although circumstances change through the years, there is absolutely no flexibility with these institutions, no understanding, and great difficulty in even being allowed to speak to anyone with real information, or the power to assist in any way. I realize that unfortunately, this is a legal enterprise, but, I wanted to join the many voices begging for assistance, and crying out for help to get out from under this place.
Product: Credit reporting or other personal consumer reports

As I have no account with you, nor am I your customer, nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC 1692 et. seq., theFair Debt Collection Practices Act ( FDCPA ) : XXXX XXXX XXXX XXXXXXXX XXXX Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

1. What is your authorization of law for your collection of information?

2. What is your authorization of law for your collection of this alleged debt?

3. Please evidence your authorization to do business in my state.

4. Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter.

Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed.

This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status. I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor, so that they do not report this on my Credit Report. I further insist that if you have reported me to a XXXX XXXX XXXX, you tell them that I am disputing this debt. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report sometime last year in the past Ive realized that I have more than several erros that is listed under credit profile. I have no clue as to how they ended up on my credit file and I take it that your company has ignored me for more than a year about this error and I havent received any results from my internal dispute since last year XX/XX/2017. I am fed up at this point and feel as if no one is looking into this situation. By law THE FCRA section 609 states that if an account or inquiry isnt verified correctly it must be removed permanently without the original contract and the consumers signature. The following items are to be disputed internally within 3 days max.  TRANSUNION 1. XXXX XXXX XXXX = ACCOUNT 2. XXXX  XXXX = inquiry 3.  XXXX XXXX 2x = inquiry 4. XXXX XXXX 4x XXXX  : 1.XXXX XXXX XXXX 2 . XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. Said companies had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX, Experian, and XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, Experian and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if XXXX, Experian, or XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID companies is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX. Experian Report Number XXXX. XXXX Report Confirmation XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing form XXXX treasury omb forms to audit consumer 's account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv 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
Product: Credit card or prepaid card

Failed several attempts to rectify this issue, finally last week I got statements of Apple. 

Was able to dispute some charges, unable to make a payment a mail in payment was made to Apple. Two times and as of today they have not, yet credit me and they keep on reporting me. 

Their promises to fix this issue are null.
Product: Mortgage

We originally got our mortgage with XXXX bank the pic a payment mortgage which is a XXXX loan.. we bought our home in florida XXXX 2005,, there are class action law suits and then it switched to wachovia and then to wells fargo, we are in pre foreclosure and hired a company to do a criminal investigation and they found crime and fraud in our loan and also they fraudulanty signed my husbands name to the rein carnated XXXX closing statement he was not even at the closing, ,it was only me.. he was in XXXX for the closing.. there is no assignments of mortgage and wells has no proof they hold the mortgage but yet we are in pre- forclosure and i know they foreclosed on so many homeowners illegally.. we dont want to be a victim like so many.. how can you help us
Product: Mortgage

This is follow up complaint I filed regarding XXXX XXXX XXXX on XX/XX/XXXX, ,and now transferred to XXXX XXXX XXXX , SERVICER NATIONSTAR MORTGAGE LLC. , loan reference NO.XXXX. 
Now my only home I grew up was forclose and sold on auction by XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. 
On XXXX I sent " QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST '' but it was ignored by NATIONSTAR MORTGAGE LLC XXXX XXXX XXXX Waters Blvd.. TX XXXX, XXXX. number XXXX XXXX, and to NATIONSTAR 'S ATTORNEY THE XXXX XXXX A LAW CORPORATION address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CALIFORNIA XXXX XXXX 
President Obama 's Executive ORDER XXXX " Establishment of the FINANCIAL FRAUD ENFORCEMENT TASK FORCE " explicitly acknowledge the existence of significant crimes and other violations in XX/XX/XXXX, The Department of Justice worked out a settlement with XXXX XXXX XXXX and did not consider this settlement.. 
Now I am dealing with XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX .One of their agent name XXXX XXXX harrassing me to leave my house because i do n't own it anymore.. 
I notified NATIONSTAR MORTGAGE and informe me the company harrassing me is unknown to them .I was told by XXXX XXXX XXXX TO SIGN ANOTHER AGREEMENT. 
I feel like I am facing another fraudalent activity.PLEASE HELP.
Product: Debt collection

I 've registered my number and informed this monarch recovery to stop calling me.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). It is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. The company was not willing and able to produce any documentation that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Nor did someone within your company provided authenticated documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

The follow accounts are as follows : Name of Account : XXXX XXXX XXXX XXXX Account Number : XXXX Name of Account : XXXX XXXX XXXX XXXX  Account Number : XXXX Name of Account : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Dispute of Civil Liability for Negligence ( Case Number : XXXX I am writing to formally dispute the claim of civil liability for negligence associated with case number XXXX. It is my position that I am not liable for the allegations presented, and I wish to outline my reasons for this dispute. 

Firstly, it is essential to clarify the details surrounding the incident in question. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I filed claims/disputes with XXXX and TransUnion regarding unauthorized credit inquiries on my credit file, and they failed to resolve the issue with negligence. My credit score has been affected by these unauthorized inquiries and as of today the problem has not been fixed. The actions taken on my part were reasonable and within the expected standard of care under the circumstances. 

I respectfully request that you review this information and reconsider the claim of negligence. I am open to discussing this matter further and hope to resolve this issue amicably. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

I have been having issues. But the real concerned started on XX/XX/2021. I have direct deposit set up. So basically almost everytime I use my card it it declined or state dont not honor. This is happening because in the state of Maryland a forgery Maryland Durable financial power of attorney was processed through out financial institutions to gain access to my employee benefits including stocks and XXXX account. The forgery power of attorney have a unknown agent listed that states the agent controls my money if I am able to or not.I believe that I might just in fact know the person or persons who hold the money transmitter license to act on my money which is apart of my identity theft and my identity theft is committed by a government entity contractor individual group and or business. Since XXXX my card have been declining everywhere but after the second attempt it will go through. This is being done to embrass and harass me to know where my where abouts are. Everything is wrong with finacial regulators that getting license to transmitte money illegally.
Product: Debt collection

In 2022, XXXX XXXX XXXX made a mistake that disconnected our phones. After the FCC got involved and ruled in our favor, XXXX XXXX XXXX restored service and supposedly wiped the slate clean. We then ported our numbers to XXXX XXXX. 

However, there was a snag with one prepaid phone. We left it inactive for about a month. Upon trying to reactivate, we discovered the number had been ported out- and it wasn't on XXXX XXXX either. A call to XXXX XXXX XXXX revealed they had, seemingly without authorization, ported the number back to their network and incurred charges. 

We contacted the FCC again regarding this new issue. While XXXX XXXX XXXX initially dragged their feet, they eventually offered a 30-day extension and sent the disputed bill to collections. 

The situation became more complex when XXXX XXXX XXXX  seemingly disregarded the original FCC agreement. They placed a network lock on the phone awarded to us, essentially rendering it unusable on any other network. To make matters worse, they deny ever doing so.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX. a company I have never had an account with placed a collections on my credit report. I contacted this company to tell them I paid XXXX directly and would like them to remove this account from my credit file as I have no relationship with this company. The young lady I was speaking to was rude and hung the phone up in my face. I have filed a complaint with this company regarding that lady 's behavior.
Product: Credit reporting or other personal consumer reports

I appreciate the effort taken to eliminate some of the fraudulent items from my file that resulted from alleged identity theft. However, there are still remaining ITEMS that require removal. As a victim of identity theft, I am reiterating my request to remove these items from my credit file. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to remove any items not later than 4 business days after XX/XX/XXXX. This matter has been previously raised in my complaint, and I am readdressing it here with my new FTC XXXX XXXX XXXX. The remaining items for removal per bureau are : -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This complaint serves as notification that if the listed items on my reports are not removed, I will be compelled to file a lawsuit. I have informed my attorney of my intentions, and they are prepared to hold you accountable in case of willful noncompliance.
Product: Mortgage

Closed mortgage loan #  XXXX  on   XX/XX/2017   property address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO  XXXX . Mortgage held with  Academy Mortgage Corp.  They cash a check for the amount of {$2100.00} on th e  XX/XX/2017 .      Academy sol d loan   XX/XX/2017   to  XXXX   XXXX ,  XXXX  took over the servicing.  Academy failed to  apply the payment to the loan prior the the sale leaving me and  XXXX  and the new servicer with the incorrect balance.     Academy Mortgage the applied a payment of {$2100.00} with a  date  XX/XX/XXXX . I w ant you to do a full investig  ation of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my Equifax credit report that have been opened due to identity theft fraud and i did not authorize these companies to open these accounts. I have submitted the police report with the names of all the fraudulent accounts over to Equifax numerous times and by law they are supposed to block these accounts within 5 business days. The accounts are listed below 1. XXXX XXXX 2. XXXX XXXX  3. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting an account that was included in bankruptcy that should be removed. 

XXXX XXXXXXXX XXXX XXXX XXXX 

This account was included in a XXXX XXXX XXXX petition filed XX/XX/year>. The account was originally closed XX/XX/year>. 

This account reports negative information, such as, " account included in Bankruptcy '' and " Notice of first delinquency XX/XX/year> '' Accounts with negative infomation, should be removed after XXXX  years, this is supported by the 12 CFR 1022, " Fair Credit Reporting ( Regulation V ), Section XXXX of the XXXX XXXXXXXX XXXX XXXX XXXX and 15 U.S. Code Section 1691c. 

NO other accounts that were included in the XXXX filed XX/XX/year> are reporting. However, Equifax refuses to remove this account. 

Equixfax is in violation of XXXX XXXX XXXX. 

Every other credit reporting agency has removed this account.
Product: Credit card or prepaid card

On XX/XX/2020 I attempted to purchase an item from a website called XXXX. ( this website is no longer active but it is still indexed with XXXX search engine, and they company is now doing business at XXXX ) The item I attempted to purchase was a XXXX XXXX XXXX gaming motherboard for the price of XXXX ( this item weighs 2.2 lbs according to product specifications on an XXXX listing ) The merchant charged my card using XXXX and a few days later they provided tracking number that indicated that the item had been shipped and delivered. 
Since I never received the item I opened a dispute with my credit card company, Chase Bank. I also examined the tracking info that the company sent me. It said that the package that was sent weighed only 0.8lbs even though the weight of the item I ordered is over 2lbs.  I also called XXXX and told them I never got the delivery. When I provided the tracking number to XXXX they informed me that the tracking number the merchant provided was for a package that was sent to a different person at a different address, that did not match my name and address, which was on the order confirmation and invoice. 
On XX/XX/XXXX I got a Notice from Chase saying " we consider the charge valid based on our research and the information available to us '' they removed the temporary credit, re-billing me for the {$140.00}. 
On XX/XX/XXXX I reopened the dispute with written fax with a description and documentation of my findings ( Tracking number not associated with my address, and discrepancy with item weight vs weight on tracking info ) OnXX/XX/XXXX I received another letter from chase saying that they consider the charge valid. When I called them they said I would need to send another letter to reopen the dispute, even though I have already provided a full description and supporting documents. They even verified that they have already received all the documents I included and my written description of the discrepancy on the merchants claims.