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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT ACCOUNT : 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 602A, STATES I HAVE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Mortgage

I made a {$5000.00} payment to the money source company. Before they transferred the mortgage to Mr Cooper. Now Mr Cooper will not acknowledge the {$5000.00} payment on their side. I have proof of payment from XXXX. Please help.
Product: Credit reporting or other personal consumer reports

COMES NOW, XXXX XXXX, to provide formal notice regarding the fraudulent debt reported by Transworld Systems XXXX in relation to XXXX XXXX, account number XXXX, which has caused significant damage to my credit score and financial standing. Despite your acknowledgment of my fraud claim, the incorrect information continues to affect my credit profile. 

Your failure to act promptly and remove this erroneous debt violates multiple federal statutes, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). You are now in default, and compensation is required as follows : Violations and Laws Applicable : FCRA Section 623 FCRA Section 604 ( A ) ( 3 ) FDCPA Sections 806, 807 ( 8 ), 809 ( b ), and 811 ( a ) ( 2 ) Misrepresentations by Transworld Systems about the debt are actionable regardless of intent. 
Transworld Systems can not be both the purchaser and assignee of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiries were inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the inquiries listed below : INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I provided the following information and I got a generic response. 

" I applied and was approved for the Truist XXXX XXXX. When I received it I had issues registering for online banking and the account was locked. I talked to the fraud department and when they tried to verify my information against the phone carrier, they claimed that my name does not match. The phone bill is under my name and I've used this number for 12 years. The lady I spoke with said that I had to call XXXX XXXX XXXX to have them change what it shows in their system. This is the only banking institution I've had issues with when it comes to verifying my number. I was told that until the carrier shows my name on Truist side, they can't unlock my account. '' I DO NOT have a problem registering for online banking. I have a problem with the card being locked and I'm unable to use it. Truist can't verify my identity with a phone I've been using for over a decade. I don't want to go to a Truist branch or deal with anyone there. It's ridiculous that Truist only relies on phone billing identity verification and doesn't offer an alternative such as questions from credit reports and public records, etc. I should not have to go to be inconvenienced and have to drive to a branch.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of multiple unauthorized or inaccurate hard inquiries from my credit report. Upon reviewing my credit file, I noticed several inquiries that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ) 1681b, only inquiries made with my explicit consent should appear on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request that all the accounts and credit inquiries listed below be blocked and permanently deleted from my credit report. I am a victim of identity theft following a data breach and believe these accounts and inquiries were fraudulently made without my authorization. My request is made pursuant to the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ), and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1800.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$590.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$3600.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$590.00} XXXX. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$590.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$3700.00} XXXX. XXXX  XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$630.00} Fraudulent Inquiries : XXXX  XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX   XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Debt collection

Hello I was XXXX when these accounts were open I have police report to confirm I ask that these things get removed from my credit file immediately as it have cause pain and suffering to my life thank you and god bless
Product: Debt collection

I was the guarantor for my daughter in her college apartment complex. I have filed a separate FTC complaint against the Property Management company XXXX XXXX - Report Number : XXXX for unfair, deceptive, illegal and fraudulent business practices. Case Precedent - California Attorney General XXXX XXXX XXXX XXXX XXXX. I list many examples spanning almost 2 years now. 
This company regularly charges unlawful " move-out '' fees that violate California Tenants XXXX. They sent us an e-mail bill XX/XX/XXXX with unlawful charges ( again, they did this in XXXX also ). I attempted to call them, they do not answer thier phone ( see multiple BBB complaints from other people ) and their voicemail is always full. I e-mailed them on XX/XX/XXXX outlining an itemized list of the disputed charges. I attached the California Tenants Rights handbook and told them which specific page they were violating our rights and asked for a receipt as allowed by california law for any charge over {$120.00}. 
They never responded. I tried to call XXXX more times with no answer/option to leave a voicemail. .California law says they have 21 days to provide this evidence to us and they never did ( still havent ). XX/XX/XXXX my daughter moved out, turned in her keys and provided her forwarding address ( which was on the e-mail to us ). 
Since I'm aware we have to be notified via mail should they send this to collections - I told my daughter to keep an eye on her mail so we could immediately dispute it. 
We never recieved anything, but XX/XX/XXXX, my daughter reached out to tell me that XXXX XXXX XXXX reported this unlawful balance on her credit causing a XXXX XXXX  drop in her score putting her at risk of homelessness while in XXXX  school. XX/XX/XXXX I called this collection agency and advised them we dont owe what this company is asking for and submitted a dispute through thier website with several pictures/the tenants rights hand book and email evidence of my dispute. They still then reported to my credit on XX/XX/XXXX. 
XX/XX/XXXX I spoke to XXXX XXXX who verified they are aware that neither my daughter or I ever recieved written notice from them. She said they sent one notice in XX/XX/XXXX and XXXX notice in XX/XX/XXXX to the old apartments my daugher lived at XXXX XXXX despite having her correct new address in XXXX XXXX. XXXX further confirmed both notices were returned to them. She acknowledges no notice was ever sent to me as the guarantor nevertheless, they reported on my credit. I believe this is an unfair and deceptive tactic by the collection agency to extort us into paying money we dont owe and a clear violation of FDCPA. I believe they deliberately and with malice sent the written notices to the incorrect address so we would not have a chance to send a demand letter becuase they know they have no legal standing to this balance.
Product: Prepaid card

I received an American Express e-gift card for {$1000.00}. I have tried endlessly to use it. I tried to rent a XXXX  with it, XXXX XXXX, put it in my XXXX account and purchase goods from many retailers online. After the initial decline, I called .American Express and was told, yes, it was declined, but the card was good. So tried several more times to use it with it always being declined. I called again and was offered no help. I asked for a physical card to be sent and was denied. I asked to speak to a supervisor and was put on hold for almost an hour with no one ever answering. On XXXX XXXX I did make one purchase with XXXX for {$160.00}. That is the only time it went through and I am not sure it did go through. 

I am at my wits end about what to do. I have had this card for 8-9 months and still can not use it. Please help.
Product: Mortgage

Nationstar has illegally attempted to collect on a time barred debt. This has included multiple illegal actions in an attempt to enforce a time barred debt and the lien is expired by Operation of Law however Nationstar refuses to follow any and all applicable laws. The original " Note '' was a promissory note that originated with XXXX in XXXX XXXX '. The Note was called XXXX by XXXX in XXXX ' causing the maturity date to be shortened to XXXX XXXX XXXX '. XXXX XXXX together with XXXX XXXX ; the promissory note expired under XXXX & XXXX - ( Four Years Promissory Note Time Barred ) then after 8 years Nationstar instructed a 3rd party firm named, XXXX XXXX XXXX publish this debt as owed and has caused multiple defamatory publishings that are 'untrue '' and unlawful. This was caused by an untimely Notice of Default claiming that a " DEBT '' was owed. This was not true as this was time barred and the lien was also and is still also time barred and unenforceable. Under Ca marketable records laws ; See attached documents : from CA Legislative web site : pertaining to being time barred unenforceable lien due to the underlying debt is time barred. This is clearly written - XXXX : Expiration of the lien of a mortgage, deed of trust, or other security interest pursuant to this chapter or any other statute renders the lien unenforceable by any means commenced or asserted thereafter and is equivalent for all purposes to a certificate of satisfaction, reconveyance, release, or other discharge of the security interest, and execution and recording of a certificate of satisfaction, reconveyance, or release other discharge is not necessary to terminate evidence the termination of the security interest. Nothing in this section precludes execution and recording any time of a certificate of satisfaction, reconvenyance, release or other discharge. Thereby -- NATIONSTAR HAS FAILED TO RELEASE PER THE APPLICABLE LAWS. AND INSTEAD HAS RAMPED UP COLLECTION ACTS THAT ARE ILLEGAL. These have included criminal trespassing into property and causing a malicious damage with intent to discourage and harass the homeowner, cause fear and intimidation and has not ceased. This has caused over XXXX hospitalizations for " acute '' care to family member undergoing severe stress and multiple police reports for illegal acts in collecting this time barred debt. The actions have been non stop abuses and caused a later forcing into a bankruptcy in XXXX XXXX ' AFTER BEING TIME BARRED however Nationstar refuses to follow any laws and has caused horrendously abusive illegal acts including verbal threats and physical threats and continues to invade on homeowner and intrude and threats to intrude into her home " whenever '' deem I am not " in '' the home and have sent men to peak into my windows with telephoto lens and continue to harass and cause XXXX more hospitalizations just knowing they continue to send letters claiming they have rights to break into my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

So Equifax is furnishing date in my credit report that is not correct or absolutely invalid. So on XX/XX/XXXX I sent a certified letter informing them which information was incorrect and instead of performing an independent investigation of their own. They just updated my report with the information the other bureaus have. Verification is required under section 611 5 A. Due to their lack of availability to verify this account it needs to be deleted. My FICO score has been damaged by their errors. XXXX XXXX Account needs to be deleted. How can they be furnishing all the incorrect information, I challenge it now it's update to match the other bureaus. Equifax clearly violated the FCRA & if not shown their verification method I will be filing a complaint with the FTC.
Product: Debt collection

On XX/XX/XXXX, I woke up to my small business and my personal account being empty. XXXX XXXX XXXX XXXXXXXX garnished the money in my accounts and on XX/XX/XXXX they also garnished my pay check. One account they took {$530.00} then my pay check {$1200.00} and business account {$1000.00}. I called the company and to see what is going on and they said I owed a Target Credit Card in the amount of amount {$6000.00} from XXXX and that i was sent to court in XXXX. I asked them how could this be and they said there is nothing I can do. I had a debut collector contact me about 2 months ago but did not want to understand that I had no knowledge of this and I had my identity stolen back in around that time period. He was frustrated and so was I so I hung up. He process to call me again a few time and finally left a message that he was moving forward with suing me and wished me luck. I has a couple of calls XXXX with whom I'm now assuming was debut collector because they did not want to give me any information when I asked what this is about. The person said well I got this case on my desk but if you don't want to provide your personal information that is your decision. I told them that they should have my information since they are the ones calling me so with so much scams going on I declined to give him any information. He did not want to provide the company name or reason for the call and we hung up. I have police reports and report to social security office as well as an other police report in XXXX XXXX Florida where the person that stole my identity was working at the time while using my papers and social security number. I had not heard about this Target Card prior to this. I try to work something out with this law firm but they refuse to work with me as far as payments go so that they can take the garnishment off.At this point I would like to know what my options are since this case is on going. Please let me know what how to proceed. Thank you for you time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the three consumer reporting agencies over 45 days ago and I still have not received a reply back. I dont know if they have just ignored my request but I want this to be taken care of quickly. I'm on the process of getting my first home and this is keeping me from closing on this mortgage. I would hate to lose out on my American dream due to lack of response. I may not know much about certain things but I do know that the website states that I should have had some kind of response within 30days or it is supposed to be deleted. I need this to be done immediately becuase if I lose out on this house me and my XXXX  will have no place to live. So unless you want to provide me with housing and reimburse me for the money I may lose on this closing I would like my request to be processed or I will have to seek litigation for these companies not following the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On this day XX/XX/2021 precisely at XXXX EST upon checking my credit report I noticed a billing error on my XXXX XXXX XXXX ending in XXXX under XXXX XXXX Code XXXX ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligator or a credit issued to the obligator. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As I know the creditor didn't notify me XXXX days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly is a billing error. 

This late should be updated to OK as agreed on my consumer report immediately. 
Under XXXX XXXX XXXX XXXX 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. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer credit report.
Product: Debt collection

There is information that is on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made an error, or is my request to block being made on the basis of a material misrepresentation of a fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ENHANCED RECOVERY CO L XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Product: Debt collection

This company has never contacted me through written correspondence. They have place this account on my credit report regarding a debt that I do not owe. I was never provided any details as to the authenticity of this account because none exist. I believe the creditors are partaking in fraudulent activities as this is an unauthorized account. I have disputed these accounts with XXXX, it came back as verified. This debt is invalid. Every member of my household has had Medicaid for the last 8 years which pays 100 % of ALL medical cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices which violate the customer 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 their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act EFTA and Regulation E these errors caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

I was relocating from one state to another and I was continuously giving the run around from DHI Mortgage in North Carolina about job verification and pay. I was given two different closing dates. I scheduled my moving company around the first date along with transferring utilities into my name. When the closing didn't happen I had to stay in a hotel from XX/XX/XXXX till XX/XX/XXXX for weeks and I also had to get a storage unit {$190.00} for a month and hire an additional moving company to move my items once I closed. I have been at my job now for 19 years. I was not starting with a new company I was currently transferring with the the same Government Agency. I was told by Human Resources that the new job information was available as of XX/XX/XXXX. I provided more than enough info about Job codes, levels, rate codes and everything else they could try and find to prolong my closing date. I eventually called and made a complaint about the closing process. I knew by this being my third home I have purchased and second with this same builder I have never had to endure this type of inconvenience.
Product: Debt collection

JP Morgan chase calls me 200 times a day. Block these calls please.