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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple credit cards who are stating I owe a lot of money and yet they refuse to verify the debt. I dispute these debts as I do not owe them I asked them all to verify and send me itemized statements and they failed to do so There is XXXX with portfolio. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best buy Target XXXX and XXXX and XXXX labs also state they will remove their items from my credit report and to date they have failed to do so I am XXXX  as a result of these companies and they refuse to even send me itemized statements Some have even sued me at addresses I have not lived at in 7 years. They are trying to get me to pay someone else 's debt and/or they have the balances owed incorrect and refuse to verify anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are saying my accounts are unpaid when they are clearly paid off
Product: Credit reporting or other personal consumer reports

This account was charged off on XXXX Since than, the account has repeatedly been updated as a charge off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX : westlake portfolio m XXXX : westlake portfolio m XXXX : westlake portfolio m 15 USC 1666B
Product: Mortgage

I am writing to you on behalf of myself, regarding the unauthorized disclosure of my personal information to unaffiliated third parties without my knowledge or consent. It has come to my attention that your institution, Rocket Mortgage LLC, has reported my information to third parties without providing me with the required disclosures, as mandated by Federal Law. 

As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, financial institutions such as yours are required by law to give customers three disclosures, including an opt-out notice. Upon careful review of all documents provided by your institution to me, I have found that none of these documents contained any of the required disclosures under 15 USC 6802 ( b ). 

Accordingly, I am hereby requesting that you provide me with all the above-required disclosures as per Federal Law. Please provide me with the opt-out notice, a clear and conspicuous written or electronic form indicating that my information may be disclosed to third parties, an explanation of how I can exercise the nondisclosure option, and any other disclosures required by law.
Product: Debt collection

I was contacted by XXXX XXXX XXXX, they told me that I owed a credit card debt that if not paid in full would go on my credit report. They threatened to take me to court for the balance owed and also sue me for lawyer and court fees. They told me I owed {$7400.00}. When I told them I could not give them the money because I was preparing to buy a home, they threatened my credit and told me I would not be able to buy my home with this debt hanging over my head. I was frightened into giving them {$7000.00}, which was almost everything I had saved. After I had authorized the payment she ( identified herself as XXXX XXXX ) told me that the debt they were collecting was from XXXX years ago. Immediately after making the payment I did some research and realized my mistake. Within XXXX minutes of authorizing the payment, I got on the phone with my bank, fraud prevention services and card member services to stop the payment. I pleaded with them not to release the funds. They put the payment on hold until XXXX, after which they released the money to XXXX. That very same day I went to my bank ( XXXX XXXX  XXXX XXXX ) and filed a dispute. After a week, I called card member services to check on the status of my dispute and they informed me that they had contacted VISA about the charge and they said they had to release the funds because I had originally approved the transaction. On XXXX, I contacted XXXX XXXX firm XXXX in an attempt to sue the company for my money back, after some research into the company they informed me that this company was not licensed to collect debt in the state of California and that because they have never been sued before, there was nothing they could do to assist me.
Product: Debt collection

Calvary Portfolio Services for XXXX this XXXX is from 2004 11 years ago yet Calvary Portfolio Services keep putting this debt on my credit report as if its a new debt. I have disputed this with the credit bureau but they do nothing this is dragging down my credit score, and beyond the statue of limitations Colorado the statute of limitations is XXXX years what they are doing is illegal the card has been closed for XXXX years. and I do not think XXXX even exists anymore.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute recent fraudulent activity associated with my credit report. XXXX XXXX XXXX and XXXX XXXX is reporting to the credit bureaus I have an account with them and. I do not or ever have. I have reason to believe that fraudulent verification of debt has occurred without any contractual basis or sufficient evidence. 
Upon reviewing the documentation AND the information from representatives of both parties, it has become apparent that the verification process was not conducted properly & solely through audio recordings, with no accompanying contract or agreement. This raises significant concerns regarding the legitimacy and legality of the verification process. 
As a responsible customer, I have always maintained clear and transparent communication regarding my financial obligations. However, the absence of a formal contract or agreement undermines the integrity of this process and casts doubt on the validity of the verification. 
Furthermore, relying solely on things like audio recordings for debt verification lacks transparency and fails to provide adequate evidence to support the process. Without a written agreement outlining the terms and conditions of the debt verification ( WHICH CAN ALSO BE FABRICATED ), I can not accept the validity of this process. 
I kindly request that both XXXX XXXX XXXX and XXXX XXXX ( XXXX ) BE REMOVED OR provide me with the following information to address this matter : A copy of the original contract FROM THE DEALERSHIP THIS LOAN WAS ESTABLISHED FROM. 
Any documentation supporting the use of audio recordings as a valid method of debt verification. 
Clarification on how the verification process was conducted and how it complies with relevant regulations and legal standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week I made calls to all 3 credit bureaus about multiple hard inquiries showing on my credit report fromXX/XX/2019XX/XX/2019, this was around the time that I purchased a vehicle. I was told by the dealership that it would count as 1 hard pull but it ended up putting double digit inquiries on my reports. These inquiries have been disputed multiple times through a credit repair agency and nothing has come off. Im sending this same complaint to all 3 bureaus because its not fair to not take credit disputes seriously for the sake of keeping people in a cycle of having challenged credit. Im in the process of starting a second business & have had to pay for things out of pocket to keep my first business afloat. I need these inquiries removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX without authorization or doing any due diligence into the application, conducted a hard inquiry on my credit that effected the credit score. I have contact Experian, but they will not file a dispute without a letter from XXXX XXXX. XXXX XXXX emailed that I would need to work with Experian directly. Now I am stuck in a circular trap between the companies. 

Apparently XXXX XXXX XXXX have made the fraudulent loan without doing any due diligence or trying to contact the credit owner.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if,
after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :
Product: Money transfer, virtual currency, or money service

I attempted to send my son {$300.00} on XX/XX/2022 using Cash App. I got an error message when I went to complete the transaction. I saw that it did debit my bank account so I contacted my son to see if he got it. He did not. I contacted cash app who told me there was an error & it should fall off from pending. It did not. I filed a dispute with my bank and cash app responded that there was 2 transactions. Both my sons history and my history show only 1 transaction in the amount of {$300.00}, but cash app debited 2 charges for the same amount from my bank. I tried to talk to cash app, spoke to several reps who all refused to help me and just kept talking in circles without any acknowledgment of a problem occurring. My son contacted them and they told him he received 2 payments of XXXX, when his transaction history only shows 1. So now there is 2 debits from my bank account for {$300.00}, there should only be 1, and Cash App refuses to return the failed payment that did not send but was debited from my account.
Product: Credit card

I contacted Capital One XXXX/XXXX/15 to ask when my promotional 0.0 % APR was scheduled to expire. XXXX informed that it would expire on XXXX/XXXX/15, which was two days prior. I was surprised to hear this, because my XXXX/XXXX/15 statement stated that my APR remained 0.0 %. I told him so, and he said " I am really sorry about that we are trying to implementing this feature online as well as on statemnt ''. I remain uncertain as to when my promotional rate will actually expire, and there is no information to help me on this statement or any prior statement.
Product: Debt collection

I applied for credit and found out that there is a collection on my credit report i called the company AllianceOne Receivables Management Inc. the girl on the phone looked up the account it was for a ticket in XXXX Wa. she said all I have to do is pay the {$130.00} so I gave her my debt card number and payed it, she the said it would be reported to XXXX XXXX as soon as the payment cleared and should reflect on my credit report in 15 days this was on XXXX/XXXX/15,, on XXXX/XXXX/15 i checked the credit report to find that AllianceOne had reported to XXXX XXXX that the debt is now {$240.00} I filed a complaint with XXXX XXXX about then taking my money and now reporting it correctly, and they said AllianceOne had no recored of my making a payment and closed the report, on XXXX/XXXX/15 I got a letter from AllianceOne asking for proof of payment so i sent it to them, then a week later I called and they told me never got it so today I went down to there local office and told the girl at the counter I was having a problem with a payment she looked it up on her computer and tells me that there is no record of this payment with my bank statement showing I made the payment in her hand says I will get the supervisor to look at it,, a hour hand a half later this woman come out and tells me that the payment went to the wrong account and makes it out that it my fault they credited the wrong account and stared giving me a hard time telling me that they will get round to it and someone will call me when they figure it out?,, all 3 of the costumer services reps at the counter were very rude and were laughing and making jokes that I was stupid if i thought they cared if my account got looked, at so i snapped 2 pics to document i was there so they ca n't say we have no record of it, ,then a few hours later i get a call that i caused a a disturbance in there office and not to come back or they will call the police, the building security camera will show i did not make a scene as he stated on the phone that i did
Product: Credit reporting, credit repair services, or other personal consumer reports

They gave false information to my bank will be getting sued if need to. They have my credit blocked as if ion have any credit against the law need this fixed immediately. Have called them several times get hung up on tired. Will be suing if this not fixed in 3 days been waiting 7 months
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

I applied for the mortgage with Better Mortgage XXXX, Loan Number XXXX, and received the initial estimate that has lender credits of {$2200.00}. The appraisal came back to be 5 % less than the original estimated price which is very common due to the rising of home prices and the lender wanted to restructure my loan and asked me to choose from the current pricing instead of the rate that I had locked 20 days ago.

I had sent them the Regulation Z and 12 CFR 1026.19 ( e ) ( 3 ) ( i.e., a tolerance violation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

i have recently sent multiple letters on these dates XX/XX/XXXX and XX/XX/XXXX i also called and spoke to each beureaus representives and they all advised me to submit a complaint through the cfpb to have these un-authourized and unverifiable inquirys removed this is a violation of the fdcra since they have 30 days to respond and start a full investigation these inquirys are listed on my credit report by all three of these company 's XXXX  equifax and XXXX  ( equifax ) 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. ( XXXX  ) 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. ( XXXX ) 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX KEEPS TRYING TO COLLECT XXXX XXXX XXXX XXXX, STUDENT LOAN FOR XXXX XXXX XXXX XXXX, LOAN NO.XXXX, CONFUSED WITH XXXX NO.XXXX. ( SEE ATTACHED ). THEY ALSO KEEP CALLING MY DAD 'S CELL PHONE 23 IN 3 MONTH 'S.
Product: Credit card or prepaid card

I am writing to dispute an incorrect charge on my discover credit card. The charge I dispute is the amount of {$730.00}.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 accounts vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Wednesday, XX/XX/2019 Nationstar Mortgage LLC, d/b/a Mr. Cooper. 

Request for Information, 3rd effort Dear Mr. Cooper, The Consumer Financial Protection Bureau ( CFPB ) has noted, in its Official Interpretations of this provision, that a QWR is not required to include both types of requests. For example, a qualified written request may request information relating to the servicing of a mortgage loan but not assert that an error relating to the servicing of a loan has occurred. See 12 C.F.R. Part 1024, Supp. I, 1024.31.

1. I have asked for your Corporate Policy regarding Fraudulent Loan Documentation on the phone with XXXX XXXX, several times and on several dates, and in writing too - but without any mention of this in any of your replies. 

Please provide me with your policy or deny that you have one. 

Sincerely, XXXX XXXX
Product: Debt collection

First main issue is that Afni , Inc account appeared on my Credit File as a new opened account XXXX, XXXX, in the amount of {$2100.00} that went into collection the same month it was opened. Which is showing as derogatory and hurting my good credit that I have worked tirelessly to build. I have disputed with all 3 bureaus because 1 ) I have never been in a contractual agreement with the reporting company 2 ) I have never been late with payment or delinquent with XXXX XXXX XXXX because I DO NOT have an individual account with XXXX XXXX XXXX. 3 ) The obvious how can you be delinquent the same month an account supposedly was opened. 4 ) This is fraudulent scamming activity and 5 ) this happened in XXXX twice and earlier this year but under a different name for XXXX XXXX XXXX with the same issue that I opened the account the same month is went delinquent. However, when I disputed it was removed according to FCRA practices. 6 ) I have done my due diligence with disputing this XXXX XXXX XXXX collection and requesting they provide proof, and they always tell me they do not have me owing them because I do not have an account with them. 
In fact, two of the bureaus XXXX and XXXX I have opened more than one dispute because I was dissatisfied with result. Which has led me to use my right to make formal complaint against XXXX, XXXX and AFNI , INC. 
It should also be noted that because of the last complaint and issue with this fraudulent item that fraud alert has been placed on all three bureaus. 
I do not owe anyone any money. As my credit file indicates 100 % excellent payment history because I pay my bills and creditors on time every month. 
The right and fair thing to have the credit bureaus remove this inaccurate/fraudulent information from my credit file because it is not mine. As well, as for AFNI , INC, to cease from reporting this inaccurate information and or provide documented proof that this account belongs to me. There are no documents for me to provide because again I have never been in a signed contract with AFNI , INC nor am I in default or have been delinquent with an individual account with XXXX XXXX XXXX. 

Respectfully Submitted, XXXX XXXX XXXX
Product: Debt collection

I have communicated with the company. They called me on cell phone with intent to harass and annoy. Please audit the company and have them list all calls to my phone
Product: Credit reporting or other personal consumer reports

I have requested the fraudulent names and addresses on my credit report to be removed and to ONLY SHOW MY NAME AND ADDRESS AS IT APPREARS ON MY DRIVERS LICENSE.Also XXXX XXXX inquiries are still reporting on my credit report I did not authorize to share my personal information to be shared also XXXX XXXX whomever they are is not authorized to be on my credit report. I do not know that company. I requested to see Number 1 : proof of ownership from the company for this debt TO PROVE THAT THEY PURCHASED THIS DEBT IF THAT IS WHAT THEY DID and number 2 : proof that I owe this debt to them and number XXXX : Complete payment history of this account as reported on my credit report Not only is this incorrect I have no knowledge of this account. I have disputed this multiple times and NEVER RECEIVED THE PAPERWORK REQUESTED I DEMAND REMOVAL OR I WILL SEEK A LAW SUIT AGAINST ALL COMPANIES INVOLVED.