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

My ex spouse XXXX XXXX XXXX fraudulently used my name ( XXXX XXXX ) against the divorce decree order as a joint account holder for NationStar Mortgage.. I have court docs to prove signed by a judge ... stating that I XXXX XXXX AM NOT LEGALLY RESPONSIBLE FOR PAYING THE MORTGAGE THAT INITIALLY STARTED WITH XXXX XXXX.. AND THEN REFINANCED SEVERAL TIMES.. NOW THE EXISTING MORTGAGE HOLDER IS NATION STAR MORTGAGE.. I HAVE THE COURT LEGAL DOCS TO STATE THAT IT'S HER FINANCIAL RESPONSIBILITY TO PAY THE MORTGAGE 100 %.. PLEASE IMMEDIATELY TAKE MY NAME OFF OF THIS MORTGAGE.. AND EXPUNGE THIS RECORD FROM CREDIT REPORT WITH XXXX AND XXXX CREDIT XXXX THANK YOU!
Product: Credit reporting or other personal consumer reports

Hello sir I tried to open an account with XXXX XXXX I was the customer report of files was the reason behind being turn down Secondly I tried open credit with Apple credit card Same reason was issued for the turn down I can get the report information
Product: Debt collection

I called Convergent Outsourcing INC ( XXXX XXXX XXXX XXXX XXXX Wa XXXX ) about XXXX different potential negatives showing up on my XXXX report. The dates were XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. When I called I was transferred to XXXX different people asking for help because nobody could pull up the information for me. The last one was ridiculously rude. All she would tell me was to call XXXX. I asked for a XXXX phone number and some sort of reference number. She said " I ca n't do anything for you CALL XXXX! '' then hung up. I had called XXXX last year when we refinanced our house and this was suppose to be taken care of and was not. XXXX apologized at the time for somebody else in their system that was clearly not me using my SS #. Now I have credit agencies that are allowed to ding my credit with NO PROOF I did anything wrong and NO PROOF they even tried to contact me to resolve it. How is this our credit rating system?? Companies can just go around reporting negatives against me with no proof, and it costs me hours of time to fix and they have no accountability to give me info to resolve it? Seriously??? Somebody needs to follow up on this Convergent Outsourcing Inc . They are terrible. The other company I found reporting potential negatives on my report was Diversified Consultants IN ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). They put information on my credit report XXXX/XXXX/XXXX. I called them and they would give me absolutely no information. Asked me for my SS # and name and phone number and said they would remove the info. So again somebody is free to just post information on my SS #? Nobody contacted me what so ever about this unpaid bill that is now lingering on my report. This is beyond ridiculous. I have a credit score in the XXXX 's and pay all my bills on time. There is no recourse for me to get back all the time I have wasted defending my credit, but these companies are free to post whatever with no proof of me doing anything wrong. We need this fixed ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, DOB:XXXX, Last 4 SSN : XXXX. 

To whom this may concern, I went to check my credit report and I noticed that XXXX XXXX  XXXX has not been reporting properly. As shown on the attached file, it shows they haven't reported the account current since XX/XX/XXXX. We are in XX/XX/XXXX. This is unacceptable and seeing how this is not the first time I have had to deal with this company in the past on improper reporting I don't want to play any games or play it safe. Please update my account to XX/XX/XXXX and current.

It also shows that on XX/XX/XXXX they also have reported incorrectly and shows no info. I have disputed that inquiry with them before and as shown it still shows incorrectly. Please show current on XX/XX/XXXX month with a check mark and current. 
Thank you for your time and have a wonderful day.
Product: Debt collection

I never had a contract with cavalry Portfolio Services and I do not owe XXXX XXXX
Product: Credit reporting

There is a reported XXXX account listed on my consumer credit file with Chexsystems. I have previously disputed this account but was told by Chexsystem that the police report that I had submitted was out of date did not cover this account. This account was closed in XX/XX/2016 and my police report is dated for XX/XX/2016. I 've had to go through the State of Illinois to finally get the XXXX disclose this information to me so that I can get this off of my report. This account was also listed on my credit reports with XXXX, XXXX and XXXX and they have deleted the account with the FTC Affidavit and the Police report as well as the letter from the XXXX. Chexsystems needs to delete this as the account is fraudulent and I have attached my supporting documents to prove as such
Product: Credit reporting

On XX/XX/XXXX, someone broke into my car and stole my personal belongings, in which included my social security card and drivers license. With this information, they were able to authorize the following companies to make credit inquiries and or open up multiple service accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX all in XXXX, GA. I did not authorize these companies to put an inquiry on my credit account and would like these inquiries removed. As far as I know, the only account that was opened was with XXXX on XX/XX/XXXX and since then has been disputed. My ultimate goal is to be able to purchase/finance a car, but in order to do this I would like to first remove all unauthorized credit report inquiries.
Product: Bank account or service

There was a debit or XXXX debuted from my rush card on XX/XX/2016 and I did not authorize such a transaction XXXX XXXX. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  ran my credit with out permission and in a email they say they can as many as times as they like Please delete this inquiry I did not give permission if not please show me giving them permission to run my credit
Product: Credit card or prepaid card

i got a notice from XXXX XXXX that an application and hard inquiry were made in my name for a target  credit card yesterday XX/XX/XXXX on XX/XX/XXXX i also called target to tell them it wasnt me. called XXXX to tell them it wasnt me and update all my info. mailed XXXX a letter to update name and address. called the local post office to let them know i moved 2 years ago and should not be getting mail at that address anymore. came here to fill this out XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX  This creditor has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under and open end consumer credit plan as late for any purpose.
Product: Debt collection

Back in XX/XX/XXXX, I received a phone call from XXXX XXXX, a gentleman advised me that their company is attempting to collect a debt and that this items is already placed on my credit report, he is giving me the opportunity to pay the debt. I advised him that I do not owe anything to this company. This debt was paid through Federal Student Loans, Subsidized Loans and Pell Grants and if he placed anything on my credit report I will sue. I received a letter back in XXXX advising me that they can cut the payments to pay in full for {$12.00}, why would I pay for a debt I don't owe. On XX/XX/XXXX, I received a letter stating that I have verbally disputed this account and they will hold off on any proceedings, I wrote them a letter dated XX/XX/XXXX stating to validate this debt, In all correspondences this company never validated this debt nor sent me any information to prove this debt which I asked but now this company is on my credit report.
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.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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: Debt collection

XXXXXXXX XXXX XXXXXXXX has a auto loan account reporting on my credit in the amount of {$11000.00} that i did not authorize or initiate.
Product: Mortgage

I was charged for a home inspection. Contractor and mortgage company fraudulently ordered an inspection without my knowledge. Contractor had his company and phone number listed as a contact with mortgage company. Mr cooper should know what my information is and that it didn't match. I was not home when inspection was completed, and they deemed my home to be 80 % repaired. My home wasn't even 25 % repaired at this point. They have a process of home inspections and they didnt follow their own rules. I was charged {$35.00} for an inspection that i never ordered, authorized, or present for. Later they would reduce the percent complete without good explanation. I was then charged {$70.00} for {$35.00} x 2 for inspections. I over pay my mortgage every month and put the difference to principal. Mr cooper decided one month to just remove {$70.00} for itself also without authorization from me. So I have been charged {$100.00} for 1 inspection that wasnt ordered by me. Mr cooper releases all funds deeming the home to be complete.
Product: Debt collection

XXXX XXXX XXXX is not following US consumer laws. There are several companies reporting negative items on my credit report that are older than 7 years. This is a violation of the Fair Credit Reporting Act ( FCRA ) and these items should be removed immediately. 

Additionally, I was a victim of multiple data breaches by Equifax and XXXX XXXX, which I was informed about by both companies. These breaches resulted in multiple accounts being fraudulently opened in my name with various companies, leading to unpaid debts. 

Actions I have taken : Filed an identity theft report affidavit with the Federal Trade Commission ( FTC ). 
I contacted the credit reporting agency to dispute the outdated negative items and fraudulent accounts, but no corrective action has been taken to date. 
I urge the CFPB to investigate these violations and hold credit reporting agencies accountable for not adhering to the FCRA and for not protecting my consumer rights. 

Thank you.
Product: Debt collection

I've been trying to remove the fraudulent account in my report. Kindly remove it as soon as possible as it is really hurting my finances. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax and TransUnion for Inaccurate Reporting To Whom It May Concern, I am writing to file a complaint against Equifax and TransUnion regarding the inaccurate reporting of my account with XXXX XXXXXXXX XXXX According to both XXXX XXXX XXXX and the details provided in a complaint filed with the FDIC, this account should have no negative reporting and the loan should be marked as closed as per the agreement. 

Despite these clarifications, the account has been inaccurately reported for over a year, and I have disputed this matter multiple times without success. This persistent inaccuracy is not only frustrating but is also in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain correct and complete information. 

Under the FCRA, consumers have the right to dispute inaccurate information, and credit bureaus are obligated to investigate these disputes promptly and correct any erroneous data. Given the continued failure to rectify this issue, I am requesting the full removal of the negative reporting associated with this account from both Equifax and TransUnion. 

I kindly urge you to address this matter urgently and ensure compliance with credit reporting laws. Thank you for your attention to this important issue. 

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

I receive notice that I had a new address on my credit report and it was across the country in XXXX Im in XXXX never been there I called because I was getting calls I signed for something and my XXXX been hacked and my Experian account been hacked that day and I need to reset my password so as I learned about the address they said XXXX account was under that address then they said I had to verify my account he said I didnt and they will send me something weeks later I get a credit report with the wrong middle name then found out Im in XXXX data breaches XXXX  and credit bureau and Im dealing with someone then I have a school on my credit report around the time they stole my information and ran up my debit card yes of this is to much I have credit cards and accounts seems high not sure all them changes is mine please get me out this mess find out who has my information and why am I getting so many breaches
Product: Mortgage

CHASE assumptions was E-Faxed the signed divorce decree on XX/XX/2024 at XXXX and again on XX/XX/2024 at XXXX., from two XXXX CHASE XXXX XXXX 

They had previously been sent court documents showing I was under court order to have the assumption completed within 60 days after the signed divorce decree. 
For two weeks CHASE assumptions continued to say they NEVER received either E-Fax. AFTER a CHASE branch manager filed with CHASE escalations., only then did CHASE assumptions agree they did, in fact receive the decree. 

But, then for over a month, know I had no time left, continued to say it was an incomplete Divorce Decree " Because it wasn't signed by a judge 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX clearly signed this decree on XX/XX/XXXX. 
I had to refinance asap as time was running out. There was no way I could open up a new application and have enough time before XX/XX/XXXX, and CHASE assumptions knew that. I now have a mortgage at double the interest rate, closing costs, and an auto loan I had to pay off to quality. Because CHASE assumptions writes, " There was a miscommunication regarding the judges signature? '' The decree clearly has a judges signature. 

XXXX XXXX, XXXX, My second application was over night mailed to CHASE assumptions with every document they needed, including current pay stubs, bank statements, recorded deed in my name, insurance in my name, updated credit report, etc ....
Product: Money transfer, virtual currency, or money service

Attempted to wire money to my friends in XXXX whonarr training my dog. Deposited money with Navy Federal and filled out paperwork to wire to XXXX bank account. The bank took the money, took the paperwork, but never submitted the wife transfer. I found out 45 days later when my friends asked about the money. Navy Federal once again took money, did notnperform services, and did not justify or notify me of anything. Went into the bank many times and was not provided any answers as to why the wire transfer did not get submitted.
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. 

XXXX : XXXX, XXXX  XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, ALABAMA LAW ENFORCMNT : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, 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 XXXXXXXX, ALABAMA LAW ENFORCMNT : XXXX, ALABAMA LAW ENFORCMNT : XXXX, ALABAMA LAW ENFORCMNT : XXXX, XXXX  : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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, credit repair services, or other personal consumer reports

XX/XX/XXXX2022  I received my XXXX XXXX XXXX with credit limit of XXXX experian refused to report it after XXXX sent me 2 lettersXXXX22 and on XX/XX/XXXX22 that they sent letters to all 3 credit agencies that they update my file and that have been reporting to all 3 major consumer reporting agencies. XXXX has been inaccurately putting the wrong credit information. XXXX accurately reported it no XX/XX/XXXX. I don't understand why I have to worry about an agency that is supposed to report information they receive and verify it's accuracy.
Product: Credit reporting or other personal consumer reports

I am a natural person and living human being, I have rights under 15 USC 1681. 

XXXX and TransUnion are govern by 15 USC 1681. And they have violated my rights numerous of times. I demand that these accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX or TransUnion written permission to furnish these accounts. 

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

The following unauthorized inquiries are not mines and was not authorized by me, this inquiries are fraudulent and I'm requesting that they be removed immediately. 

1 ) XXXX XXXX XXXX XXXX ( XXXX ) 2 ) XXXX XXXX XXXX  XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ; ) 5 ) XXXX XXXX (XX/XX/XXXX ) 6 ) XXXX XXXX XXXX  ( XXXX ) 7 ) XXXX  XXXX (XX/XX/XXXX ) 8 ) XXXX  XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX  XXXX XXXX ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX XXXXXXXX (XX/XX/XXXX ) 12 ) XXXX  XXXX XXXX ( XXXX ) 13 ) XXXX XXXX  ( XXXX ) 14 ) XXXX  ( XXXX ) 15 ) XXXX  ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX/XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX/XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B- permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following account " XXXX XXXX XXXX XXXX '' was PAID IN FULL and is fully paid off! I am demanding the deletion of the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am demanding the removal of the following UNAUTHORIZED inquiries : 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 am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, dispute resolution process was was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.