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

XXXX XXXX  Amount : {$53000.00} XXXX Personal Credit Line : {$60000.00} When spouses divorce, and the one spouse is supposed to refinance, and deliberately fails to do so, the mortgage lenders have the discretion to honor the divorce decree or not by removing the non-responsible party from the Mortgage & Home Personal Credit line.

However, if they choose not to, they don't offer any alternative solutions to the spouse who, by a legal divorce decree, isn't responsible for the loan, which also states that states no party is permitted to continue extending credit to either party using both names. Credit can only continue being extending in their own names. They merely suggest court and contempt of court charges which
actually leaves little to no recourse for the divorced spouse to actually force a resolution, as sending someone to jail for contempt doesn't actually solve the problem, particularly when the other parties intention is solely to harm the other party, in any and all ways that they can.
Not only is this financial abuse from the ex-partner, the mortgage company is facilitating it, when they dont follow their own procedures by foreclosing on the property when this ex-partner continues to not pay.

While obviously NOT ideal, a foreclosure would at least provide the non-responsible spouse an actual end to the financial abuse that the bank is facilitating by failing to honor the divorce decree. Mortgage companies should be required to stipulate who is responsible for the mortgage & any Home Credit lInes in event of divorce and remove the other party from the loan after a divorce at
the time of the signing. They should allow for amendments to be made if something changes too.
Product: Debt collection

XX/XX/19 I RECEIVED A CALL FROM SOMEONE CLAIMING TO BE A LEGAL ASSISTANT FOR CREDIT ACCEPTANCE CORP. THEY ASKED ME TO VERIFY MY NUMBER AND SOCIAL SECURITY NUMBER, AND ADDRESS. THE LADY SAID THAT THERE ISN'T A DEBT IN THERE SYSTEM BUT THERE IS A DEBT ON MY CREDIT REPORT FROM THEM. THE PERSON ON THE PHONE WAS A FEMALE AND SHE SAID THAT SHE WORKED FOR CREDIT ACCEPTANCE. SHE ASKED FOR MY SOCIAL AND I REFUSED TO GIVE IT TO HER. I HAVE A COPY OF MY POLICE REPORT AND CREDIT REPORTS WHERE ITS ON IT. I'M CONFUSED ON WHATS GOING ON AND SOMEONE HAVE OBVIOUSLY STOLE MY INFORMATION OR GOT SOMETHING INCORRECT, THERE IS AN ERROR ON MY REPORT AND I DON'T WANT TO BE HELD ACCOUNTABLE FOR SOMETHING I DIDN'T DO. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I DON'T KNOW WHY THE LADY ASKED FOR MY SOCIAL AND WHY IS IT ON MY CREDIT REPORT. I HAVE WITNESSES OF THE CALL AND SITUATION AND IT IS ON MY CREDIT REPORT ILLEGALLY.THEY SAID THEY WILL BE SENDING A FORM, AN IDENTITY AFFIDAVIT. SOMEONE ALSO REQUESTED CREDIT ACCEPTANCE INQUIRIES ON MY REPORTS.
Product: Money transfer, virtual currency, or money service

Heres a draft you can use for the description : I previously worked with Sigue as a money transfer agent through my business, XXXX, located at XXXX XXXX XXXX, XXXX, TN XXXX. When our partnership ended, I noticed that approximately {$4000.00} remained unpaid to my business. 

I have reached out to Sigue to resolve this issue, but the funds have not been released. I am requesting your assistance to ensure the company processes the payment and returns the outstanding amount.

Please let me know if you need any additional details or documentation regarding this matter.

They have also locked me out of my account and so I dont have the exact amount they owe me
Product: Debt collection

Experian has it documented that I opened this account in 2019. Absolutely false! I never initiated an account in 2019! After my bankruptcy I knew I couldnt get credit anywhere! I wish these credit reporting agencies STOP REPORTING FALSE INACCURATE information to keep scores low! 

I was never in contact with said debtor ANY time in 2019! I had absolutely NO credit in 2019 nor did I apply for ANY credit in 2019! I have screenshots to what Experian has posted and WISH they would QUIT CHANGING DATES on accounts I did NOT SIGN on said dates!!! That is ILLEGAL that is a total violation of my fair credit reporting! 

That is NOT my account I never initiated an account with a XXXX XXXX XXXX at no time in 2019! 

Experian just reports and post anything in attempts to hurt scores and reports! 

What ever account you have, its the wrong account because I was never in contact with the debtor in 2019!
Product: Credit reporting or other personal consumer reports

This company is reporting information that for one doesn't belong to me and inaccurate addresses as well. Who is this company? Are you able to give me information on them? They are reporting an eviction thats inaccurate and I never gave them permission to report anything on my behalf! I have never heard of this company and I am a victim of identity theft! Please advise me why and who this company is reporting false information.
Product: Student loan

After another complaint was filed ( XXXX ), Navient invited me to apply for a school misconduct discharge application and after I submitted this application with all evidence showing how the Federal Government and courts had found XXXX guilty of school misconduct, shut them down and was discharging all our federal loans on them, Navient denied my application stating that it didn't meet the criteria for a misconduct discharge but gave no indication, why or what the criteria was. 

When I called the customer Advocate phone number they provided to find out why it was denied and what process I could follow to appeal, I was told the customer advocate they told me to call for more information could not give me more information or explain why my case was denied despite it being a text book example of a school misconduct case. Not only was my school guilty of misconduct, but I have paid Navient back over {$54000.00} USD over the last 12 years on a total of {$18000.00} borrowed and so have WELL Paid them back the money I owed them plus interest, yet their system says I owe {$25000.00} still and won't have it paid off for 8 more years. This is blatant usury at this point and is a clearly exploiting and scamming citizen out of their hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received notification that an inquiry had been made on my TransUnion credit report. Not having had request an inquiry be made, I immediately checked my report to see XXXX XXXX Bank was the inquiring company. I called and spoke with XXXX XXXX Bank and they confirmed and application was made using my information and that they flagged the application as potentially fraudulent before it was completely processed. The representative also advised I report the incident to XXXX, which I did within one hour of originally discovering the fraud. 

I sent a dispute via USPS to TransUnion not long after the incident ( exact date unknown ) with a letter requesting an investigation along with a copy of the report from XXXX. I also requested information on the procedure TransUnion used to investigate my request. TransUnion responded within 30-days with a letter stating the inquiry was valid and provided no additional information and made no mention of my report from the government 's Identify Theft website. 

As of XX/XX/2022, the inquiry has not been removed from my report and TransUnion has only attempt at explanation was sending a standard letter explaining the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

2. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Mortgage

On XX/XX/2024, MR COOPER MORTGAGE stated that the account was accurate, and that you could not make any changes per CFPB complaint number : XXXX. This is not about the validity of this account, but the accuracy in which the account was reported. I disputed an account with this furnisher/creditor, and they overlooked the account 's incompleteness. They are treating me as if I will just allow them to settle for a default response like the account is accurate. MR. COOPER did not consider all relevant information and failed to correct what they had furnished and are not furnishing on my report. They failed to conduct a reasonable XXXX investigation into the matter and the failed to notify the consumer reporting agencies that the account had been disputed per my current XXXX consumer report. This creditor is avoiding accountability and is playing XXXX regarding the situation. Why are creditors taking us so lightly because we pay them? This company is using biased attempts to refute my dispute like XXXX have a payment history with them, and the account is valid ' which is not what the dispute is about. This is about the accuracy and completeness of the report showing on my credit report. The account with MR. COOPER from what I have on record per what is being reported to me directly from the consumer reporting agencies is an incomplete account because it shows too many notations in the payment history section of the account that reads No Data ( ND ). This implies that there is no information where there should be information. Without this information being reported, this account is legally considered as an incomplete account.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my Credit report. I have NEVER opened or used the following accounts
Product: Debt collection

I received a derotary trade alert on my credit report. Neiman Marcus was reporting a charge/off, with no account number, no balance. Consumer statement did not come from me. See attached.

I called them as soon as I received the alert to discuss the debt. They would not speak to me and said it was chargedoff.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my most recent credit report, as I was reviewing the content of my report I noticed some very inaccurate and amiss information. It seems that my credit profile has been compromised by someone knowingly or unknowingly using my personal information. I, being a natural person and very aware that consumer reporting agencies need written instructions by I, THE CONSUMER to furnish a consumer report. Without written instruction, this consumer reporting agency has committed fraud by using my identifying information without lawful authority to furnish this information on my consumer report. By definition, XXXX has committed identity theft. This is a violation of 15 USC 1681b ( a ) ( 2 ).

1. Under 15 U.S. Code 1681b Permissible purposes... 
XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes... 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete this from my credit report immediately XXXX. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then thaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY 5. Under 15 U.S. Code 1681b Permissible purposes... 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes... 
XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately XXXX. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my transunion, experian, and XXXX credit report. XXXX XXXX Open date : XX/XX/XXXX. XXXX XXXX date : XX/XX/XXXX. XXXX XXXX date : XX/XX/XXXX. XXXX XXXX XXXX Open date : XX/XX/XXXX. XXXX XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX  Open date : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX  shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}.
Product: Credit reporting or other personal consumer reports

I requested a proof of debt from XXXX XXXX around XXXX XXXX. This was for an account that was charged off and closed in XXXX. Prior to this I had called and tried to negotiate payment in full specifically for the closed and charged off card in return for a pay for delete which was denied. When I recieved the proof of debt owed in the mail I called XXXX XXXX and paid them the same day. However upon checking my credit report I now see that months since XXXX that showed up as Charged off/Collections/Closed now show up as missed payments when this is incorrect as the account was already charged off/in collections/closed and as such the reporting of my payments made has also went down drastically due to this change and misreporting on my account
Product: Debt collection

I have been contacted by this collection agency at least three ( 3 ) times this year in which the agency told me contradictory information and then made excuses for it, was berated by staff, was prey to attempted coercion for collection of personal information an attempted intimidation. The credit card is a military issued credit card that was explained to me be the agency to have different rules then regular credit cards so the actions they were taking were legal according to them. The amount quoted to me as owed to them for collection was not clearly explained even after questions were asked. The amount owed also varied up and down between times of contact and differed from paper bills always. One of the agents I spoke with attempted to berate me for not understanding responsibility and tried to explain how the  government works. This agent also quoted me a very low payoff amount which later changed. Another agent on a different day made excuses for the previous agent stating they were new at their job which is in no way pertinent information. The most recent agent harassed me for at least thirty ( 30 ) minutes trying to coerce me into giving personal information pertaining to my finances that was not directly related to the debt. They also used strong language to express their dissatisfaction with my handling of their tactics. Eventually the agent was so frustrated they hung up on me. I have been actively attempting to settle or erase this debt these past few times speaking with the collection agency however  they purposely seem to be making that proposition difficult.
Product: Checking or savings account

I had this cash app checking account for about XXXX and I never had a problem. My User Name is XXXX XXXX. 
I called then several time the support agent said that he don't know anything and that all he can see is that I can make a purchase. That they don't have any information and they will go ahead and end the call. This saddens me and is a total in convenience because I have my work direct deposit in to this account. I even called back ask to speak with a manager and they denied that as well. Cash app will take your money for fees but then do this to you
Product: Payday loan, title loan, or personal loan

Over the few months. JPL Recovery Solutions, mainly a woman named XXXX XXXX has called me daily. She has called my places of employment, my land lord, my father, friends and family daily. Threatening to sue me, have me arrested, making false statements, refusing to provide answers to questions that they are required to provide, when asked, by law, and calling more frequently than is permitted.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment : XXXX XXXX XXXX XX/XX/year> {$2.00} XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX XXXX XXXX {$75.00} Personal Info : Employers : XXXXXXXX XXXX Employers : XXXX XXXX XXXX Previous XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the account is not mine i filed a complaint with the federal trade commission as well
Product: Consumer Loan

Today ( XXXX/XXXX/2016 ) My car was repossessed by the loan agency Springleaf Financial after I 've been making payments to them. When I called their corporate office, they kept giving me the run around on things and seemed to not be able to get their own story straight. I am currently XXXX weeks XXXX, I was laid off for 3 months from my old employer after they had found out I was XXXX. I recently was able to get income generated and I explained that to springleaf, they were very inconsiderate, I knew i was behind on payments but I have been doing my best to catch up on my payment, going in to my local office to make payments on weekly basis with whatever money i had even if that meant me not being able to eat for the rest of the week. Everytime I step into the local branch office where I live, the associates are extremely rude and are usually out back smoking and not even at their desks. Springleaf has told me i can only pay cash and I 'm now beginning to wonder if they have been pocketing my hard earned money. I have been told that if I have been paying them money that they should not have been able to repossess my car.
Product: Credit reporting or other personal consumer reports

I DO NOT OWN THE ACCOUNTS STATING BALANCES ON MY REPORT PLEASE REMOVE. MY CREDIT SCORE IS BEING SEVERELY DAMGED AND I AM UNABLE TO GET APPROVED FOR CREDIT CARDS AND LOANS.

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Date Opened- XX/XX/XXXX Balance- {$700.00}, XX/XX/XXXX XXXX Date Opened- XX/XX/XXXX Balance- {$1000.00}, XXXX XXXX Date Opened- XX/XX/XXXX Balance- {$300.00}. 

The information is incorrect and does not belong to me. 

I looked at my Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

and according to 15 USC 1681s-2 they are supposed to 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: Money transfer, virtual currency, or money service

I was doing online dating metting a woman and she introduced me to a investment company called XXXX she told me to sign in and I did and doing the XXXX trading, by the time i need to take out the money I wont able to get my money back the just disappears