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

I HAVE BEEN IN CONTACT NUMEROUS OF TIMES WITH ALL 3 CREDIT REPORTING AGENCIES DUE TO A MIX UP WITH MY SOCIAL SECURITY NUMBER. THE NUMBER THESE AGENCIES HAVE ON FILE XXXX IS NOT MY SOCIAL SECURITY NUMBER. I HAVE BEEN DENIED HOUSING/ CREDIT / LOANS, CAR LOANS ECT , DUE TO THIS MIX UP. I HAVE BEEN LIVING HOUSE TO HOUSE SOMETIMES ON THE STREET DUE TO THESE CIRCUSMSTANCE WITH THE 3 MAJOR CREDIT BUREAUS REPORTING WRONG PERSONAL INFOMATION ON MY CREDIT PROFILE. I HAVE DONE ALL I CAN DO TO FIX THIS SITUATION ; MY ONLY OPTION LEFT IS TO SUE THESE AGENICE FOR NEGLIGENCE AND PAIN AND SUFFERING I HAVE ENDURED BECAUSE OF THIS MIX UP. THIS IS MY FINAL ATTEMPT AND ADDS MORE PROOF TO THE FACT I HAVE NOTIFIED AND PROPERLY EXPLAINED MY POSITION TO THESE AGENCIES IN THE EYES OF THE LAWS THAT GOVERN THEM. ON TODAY XX/XX/24 I WILLL BE ATTACTHING MY STATE ISSUED IDENTIFICATION CARD ALONG WITH MY GOVERNMENT ISSSUED SOCIAL SECURITY CARD IN HOPES THIS MATTER GETS RESOLVED.
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 15 USC 1681. 

List of Unauthorized Inquiries : 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.

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: Credit reporting or other personal consumer reports

Credit reporting agencies are reporting an inaccurate and illegal collection account to my credit reports which is in violation of the Fair Debt Collection Practices Act 15 USC 1692. XXXX XXXX XXXX account number XXXX is being reported inaccurately and illegally, as I have never agreed to conduct any business or entered into any contractual agreements with this company. Given that I have no established relationship with XXXX XXXX XXXX, I am not obligated or required to pay this debt. As such, the reporting of this account is inaccurate and unjust. XXXX XXXX XXXX has also failed to provide me with a strict proof of contract with my signature specifically naming ( XXXX XXXX XXXX ) as an entity entitled to collect a debt from me. The law does state that before a company collect any information about me, they have to first get my authorization to access my credit report for any purpose therefore XXXX XXXX XXXX did not follow proper protocols and is non-compliant with the FDCPA.
Product: Checking or savings account

I put a XXXXXXXX XXXX XXXXXXXX up on XXXX XXXX  for sale. I received a message from a guy stating that his partner was interested in purchasing the tool but did not have a XXXX account so he gave me his cell phone number to text him regarding this. On XX/XX/XXXX I text XXXX regarding the tool and he said he was interested... I sent him pictures and he said he would buy it for {$1500.00}. He told me he was out of town and that he would mail me a certified bank cashiers check and that once the check cleared he would have a private moving company pick up the item. He then text me and told me the check had been mailed but his assistant added the cost of the moving company to my check, so he asked me to XXXX the difference once the check cleared. The total amount of the check was {$3400.00}. I received the check on XX/XX/XXXX. I then went to my bank ( Citizens Bank ) and deposited it. The clerk told me that my funds would be available the following day. " XXXX '' asked me to send him a picture of deposit slip to verify that I had done it. When the funds were available the following day I XXXX {$1900.00} to the email address he provided me and used the money that I sold XXXX for to pay my rent. He had me send a picture of the XXXX transaction to him. On XX/XX/XXXX, I checked my bank account and saw that it was negative, the amount of the check. I immediately went to a Citizens branch. I was informed that the check was fraudulent and that they would reverse the check back into my account. They also put a claim in for the {$1900.00} I had to XXXX. I received a letter stating that the claim for the {$1900.00} was denied because I authorized it. Mind you at the point of all those transactions I honestly thought that this was legit because it was a bank cashiers check. After I left my bank, I immediately went to my local police department and made a report. I kept checking my account, and it was still negative so I went back to the branch I was dealing with. I was then told that this happens all the time and that they were not going to reverse the check back to my account. I argued the that the check ran through their machine, teller told me when funds would be available, which was the following day therefore I used my portion of the check to pay rent because I have been out of a job, I took care of my mom who passed XX/XX/XXXX. The bank told me that I should have waited to use money at least a week to make sure it was a good check, yet they had the funds available for me to use the following day after I deposited it. I don't think it is fair that I thought this was an honest transaction, funds were available and they won't refund the check back into my account.
Product: Credit reporting or other personal consumer reports

I believe this account listed below is inaccurate Please investigate that this account is accurate. 

Account name : XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CASUING SERIOUS DAMAGE TO MY CREDIT REPORT AND I AM NOT LIABLE TO THOSE REPORTING. THEY ARE INACCURATELT PLACED ON MY CREDIT FILE AND HAVE BEEN REPORTING FALSE TRANSACTIONS. I AM REQUESTING IMMEDIATE REMOVAL OF THOSE DEROGATORY MARKS AND INQUIRIES THAT HAVE CAUSED MY REPORT TO BE MEDIOCRE. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a satisfactory account with  XXXX   XXXX  for over  three years. There w as a total loss to the vehicle and a balance was due that I was n't aware of. I subsequently qualified for a second loan with the institution 5 months prior and was never contacted about the first being in rears. The following year I discovered it in derogatory status on my credit report and immediately paid it in full. Representatives of the institution refuse to update my credit report accurately.
Product: Money transfer, virtual currency, or money service

I was a Victim of the " XXXX XXXX Scam '' Wells Fargo has denied my claim, claim number XXXX. 
I believe this fraud is covered under regulation E. I authorized the transaction under false pretenses. The fraudster called me from an official wells fargo phone number, XXXX. I am not exactly sure how the fraudster was able to change the account linked to my XXXX  account, it is possible i was tricked into giving them the information they needed to do that. 
Please help. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am inquiring about the method of verification used to accurately verify the bankruptcy on my credit report. And I have pulled my XXXX XXXX file and spoke with someone from XXXX XXXX directly and they do not have this information listed in their system so please do not fabricated and say you have verified through them or the recording of the call I have with them and your statement will be sent to my state attorney general, the FTC and I will seek damages for inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) You are required by federal law to verify throughout the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got a new cell phone number in XX/XX/2019. The person who had this number prior is named XXXX. The debt collectors continue calling looking for XXXX. I have told them repeatedly that I am not XXXX, I do not know XXXX, and to stop calling me. They ignore these requests. This has been reported prior. I want this company fined and calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX  XXXX XXXX XXXX NEGATIVE MONTHS Credit usage 100 % Balance {$5000.00} Balance updated XXXX XXXX, XXXX Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account charged off. {$5000.00} written off. {$5000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$5000.00} Highest balance {$5000.00} Monthly payment - Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Dispute this account CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX response to my CFPB Complaint # XXXX was that they disagree and refused to delete these accounts I disputed. 
My QUESTION is how can XXXX XXXX disagree with my dispute that is solely based upon Gramm - Leach- Billey Act?. 
Which States : - Consumer has a right to privacy.

- Consumer must be given the opportunity to Opt-Out of credit reporting.

- Consumer must give written permission or some form of consent. I never gave any consent to anyone! 


XXXX XXXX has worsened the situation and made me privy to additional compensation for updating / verifying my information which should not be reporting at all in the first place. I gave no CONSENT!! 
Remove these tradelines immediately.
Product: Mortgage

Contacted Truist XX/XX/2022 prior to payoff of mortgage. ( spoke with XXXX ) Contacted Truist XX/XX/2022 to validate all info was correct to expedite escrow refund check before funding. Customer service rep was to call back to confirm. No response. 
Contacted Truist XX/XX/2022 sent all proper documents to special loans dept and was told they would reach out to me and confirm. No response. 
Loan funded and mortgage completely paid on XX/XX/2022 Contacted Truist XX/XX/2022 to check status-I was disconnected Contacted Truist XX/XX/2022 email sent to his supervisor ( spoke with XXXX ) and no response from supervisor Contacted Truist XX/XX/2022. 1st check was sent on XX/XX/XXXX, XXXXnever received. 
Going to research what happened to 1st escrow refund check and send out 2nd check Contacted Truist XX/XX/2022. Spoke with XXXX. 2nd refund check sent XX/XX/2022 and should take XXXX business days. 
Contacted Truist XX/XX/2022. 2nd escrow refund check actually sent XX/XX/2022. XXXX makes numerous notes Contacted Truist XX/XX/XXXX, XXXX escrow refund check never received. Will submit another research request for XX/XX/2022 and will contact me via phone call or email confirming result of research-never received call or email from Truist about 2nd escrow refund check Contacted Truist XX/XX/XXXX, XXXXspoke with XXXX. Checking on getting check at local branch. Will send 3rd escrow refund check with tracking number. Will call back with tracking number or have supervisor/mortgage dept email me. Again-no response Contacted Truist XX/XX/XXXX, XXXXspoke with XXXX. Took numerous notes, tried to contact supervisor with no success, filed a complaint, and said a supervisor would contact me within XXXX hours XXXX XXXX, XXXXno response from Truist
Product: Mortgage

We paid off the mortgage of our house to Nationstar Mortgage on XXXX XXXX, XXXX. After multiple visits and calls to their office, XXXX County clerks insist that they have not received the Release of Lien letter from Nationstar Mortgage yet and the loan is still under our names in the county 's records. XXXX County does not accept any XXXX copy of the Release of Lien and they need the original one from Nationstar Mortgage. 
In addition, the status of loan payoff is not being reflected in the MERS system ( still shown as of XX/XX/XXXX and XX/XX/XXXX, when we refinanced it XXXX. 

The Director of Real Property of XXXX County advised me that they ( the county ) can accept an original certified Release of Lien letter to be sent by Nationstar Mortgage to me and I can then submit it to the county to negate the loan ( see the communications embeded in the attached file " Complaint to NSM - XXXX '' ). They showed me similar letters from different financial institutions and emphasized that there is nor problem with sending such a letter to the borrower. 

I made over XXXX ( XXXX ) phone calls to Nationstar Mortgage and sent XXXX ( XXXX ) emails and XXXX ( XXXX ) signed letters to their Customer Relation Department along with the emails from the Real Property Director of XXXX County requesting the original certified Release of Lien letter. 

Despite all of the above, unfortunately, Nationstar Mortgage keep sending the same machine generated ( XXXX ) copies to me over and over and the county clerks keep rejecting that. XXXX additional identical copies received yesterday. 

Supporting documents are attached. 

We, my family and I, are stressed out with this issue and we desperately need your help to resolve it as soon as possible as I will be deployed overseas soon. It is so frustrating that after months of paying off the mortgage, our house registration is still in limbo. 

Looking forward to hearing from you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have been completely ignored by these companies when it pertains to my rights as a consumer so concerning my credit so I decided to file ANOTHER COMPLAINT to provide that my rights are being violated. I am no longer able to file disputes on their websites so I have to send all of my disputes in to Experian, XXXX and XXXX. This account as been disputed mulitple times for inaccuracies and ALL 3 BUREAUS HAVE MULTIPLE -INFORMATION THAT IS INACCURATE AND UNVERIFIED. Yet they have all said that in previous disputes where I have certified reciepts that this was verified as accurate. Did they all contact different companies? 
-DOFD IS NOT CORRECT. 
NO HIGH BALANCE OR INACCURATE AMOUNT XXXX EVEN HAS A MONTHLY PAYMENT REPORTING ON AN ACCOUNT THEY ARE REPORTING IS SOLD TO ANOTHER PARTY. 
LAST PAYMENT RECEIVED IS ALSO INCORRECT.
Product: Credit card or prepaid card

On my monthy statement I owed MBNA for a single purchase XXXX. 
I paid this with my XXXX XXXX XXXX  Debit Card on XX/XX/19. Transaction No XXXX. 

Today is the XX/XX/19 and this ammount remains owing on my Statement Summary. I have contacted MBNA on 5 different occassions generally 30 minutes plus of waiting time for them to resolve this issue. They suggested that they credit my bank account with the the XXXX and then I repay to them. This has nothappened. They accepted that they took the money on XX/XX/19. 
Can you please resolve. 
As of today I owe MBNA XXXX Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus ( XXXX, XXXX, and Experian ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/21 XXXX XXXX , Inquiry Date XX/XX/21 XXXX XXXX Inquiry Date XX/XX/21 XXXX, Inquiry Date XX/XX/21 XXXX XXXX Inquiry Date XX/XX/21 XXXX XXXX, Inquiry Date XX/XX/21, 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 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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: Credit reporting, credit repair services, or other personal consumer reports

Please see attached files I have reported numerous accounts, addresses and public records on my credit report to Experian as inaccurate and unverified and Experian has REFUSED to conduct a reasonable investigation into disputes. I have a bankruptcy on my credit report reporting incorrectly. I have attached a letter regarding my request. Please either verify this public record, or, if it can not verified, remove this account from my credit report as by my right afforded to me under the FCRA
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed above Entirely, I also request verification of the alleged debt, Spectifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, EXPERIAN, XXXX, XXXX AND XXXX. You must Cease Collection efforts until this alleged debt is validated you must show proof that you legally own this alleged debt and that it is accurate and complete thank you, XXXX XXXX
Product: Credit reporting

THERE WAS INQUIRES ON MY CREDIT REPORT THAT I DIDNT MAKE IT MADE A HARD INQUIRE ON MY CREDIT REPORT AND NEED TO BE REMOVED BECAUSE XXXX FAILED TO SEND MY PROOF THAT I MADE THESE INQUIRES
Product: Credit reporting

I recently noticed a repeated credit inquire every 3-months on my report since 2013. This is only on my Trans-Union report. The report list creditor contact a SYNCB/PAYPALEXTRASMCORLANDO, FL XXXX XXXX XXXX XXXX XXXX. I called this number and they state someone is applying for credit using my social security number and that I needed to contact Trans Union and hung up the phone. I called Trans-Union to report the fraudulent activity and they said they can not do anything about it, I asked for the information to be disputed and open an investigation and the Trans Union Representative refused to take such a report. only their represented refused to note the account. I asked for contact info to report the inquiring company and the fraudulent activity, there the Trans-Union representative stated he knows there is a number I can call but he does n't have the number as this time and that I needed to report the fraud to the company pulling my report. The company listed on my report said they do n't know anything about it and that XXXX is applying for credit in my name. I have called XXXX and they transferred me 5-times and noone there seems to have an answer either!