23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

First of all, I never chose Nationstar as my mortgage company. I do not believe anyone in their right mind would chooses them. They are criminals!! Nationstar refuses to release my insurance claim funds for a claim on severe flood damage. It was supposed to take 3-5 business days and it has now been 17. My XXXX children have been living in a dangerous gutted house since XXXX/XXXX/15. This has been a very urgent situation and Nationstar has done absolutely nothing to help with this situation, they have only added more obstacles. As soon as this repair is complete, I will re-finance with another mortgage company. I will do everything I can to ensure that Nationstar is the XXXX.
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. 


Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Payday loan, title loan, personal loan, or advance loan

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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
Product: Credit card

I reviewed my credit report and I saw XXXX credit cards in my report. I never opened these Credit Cards, XXXX with XXXX XXXX in XXXX XXXX, XXXX and the other XXXX with Chase Bank in XXXX XXXX, XXXX. I opened my first Credit card on XXXX XXXX. How XXXX can add This companies in my report when they can verify when I got my XXXX credit card.
Product: Debt collection

NCB MANAGEMENT SERVI Last reported XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX  Account status Open Type -- Responsibility Individual Remarks Account paid for less than full balance Paid collection Account previously in dispute - Now resolved by data furnisher Original creditor name XXXX XXXX XXXX XXXX
Product: Credit card

Had a small balance of {$71.00} which was due XXXX. Thought I paid on time XX/XX/11. Thinking balance paid in full and out of town due to death of relative, didnt pay attention to XXXX bill. Opened bill just received showing {$51.00} due. Upon examination of account determined amount due to XXXX late fees for {$25.00} each. Called customer service but only XXXX fee removed. Advised both could not be removed unless account closed. Given credit limit {$11000.00} did not want to close account. Based on late fee on top of late fee with only {$1.00} due, ridiculous to charge a consumer fees when really no real balance due
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my EXPERIAN credit report, I noticed a collection account listed as XXXX XXXX, ACCT # XXXX. I have no knowledge of this company or this account. I DO NOT or have NEVER had a contract with XXXX XXXX. I am not liable for this collection. I am requesting that this debt be verified and validated as a legitimate date. I would like physical proof of this, including a signed contract containing my signature, or It needs to be deleted from my credit report.
Product: Debt collection

I am a victim of unfair debt collection practices. The company Amsher Collection Services is knowingly furnishing false and misleading account information in my name to credit reporting agencies. The company is stating that I owe a debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company certainly should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. The company 's actions are ruining my credit reputation and are causing damages to my household. And I can not tolerate unfair debt collection practices. I am seeking justice and remedy for the company to do what ought to be done.
Product: Money transfer, virtual currency, or money service

At Coinbase.com I have over  XXXX  invested in  XXXX . However, for the past week the Buy / Sell option -- the only way to change  XXXX  back into  XXXX  -- had been  disabled for me for  no apparent reason. I still have a verified payment method that I used to buy   XXXX   with in the past, but the option to buy or sell currency is no longer available. So right after investing, I have been locked out of all my assets.  <P/> I have sent multiple messages t  o Coinbase support with no reply. I fear that I have been scammed into investing money into something that either does not work or is purposefully trying to deceive me.
<P/>
Hundreds of customers are also experiencing similar difficulties as shown here :   XXXX   XXXX   XXXX   For obvious reasons I need to be able to have access to my assets at all times. I have been trying to contact Coinbase via customer support forms, e-mail, private messages on their community forums etc, but they just keep on ignori  ng my complaints.
Product: Student loan

This is my 3rd CFPB complaint. FedLoan Servicing continues to fail to properly account for my PSLF qualifying payments. I have sent countless requests since XXXX to have my loans manually counted, but I have yet to receive an accounting that makes logical sense. I make one payment every month that is supposed to be applied to the minimum balance on all my loans. If my payments were being applied consistently every month, all of my loans disbursed on XX/XX/XXXX would have the same number of qualifying payments ... but, they DO NOT! My most recent recount as reflected in the XX/XX/XXXX correspondence FedLoan sent me shows some XX/XX/XXXX loans having 62 payments, while some have 63 payments. In addition, loans that were disbursed just 2 months after the XX/XX/XXXX loans, on XX/XX/XXXX, have a 7 month discrepancy in payments between them. Furthermore, two loans disbursed on XX/XX/XXXX have different qualifying payment amounts as well. 

Based on my phone conversation with reps XXXX and XXXX on XX/XX/XXXX, I have been making qualifying payments on all my loans since XX/XX/XXXX. Total months from XXXX = 78 months. I had 3 late payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which did not qualify, XXXX = XXXX. I also have 8 months of forbearance/deferment, XXXX, XXXX and XXXX. XXXX XXXX. Based upon my calculations, my qualifying payments should reflect as follows : Loans disbursed XX/XX/XXXX = XXXX qualifying payments " QP '', Loans disbursed XX/XX/XXXX = XXXX QP, Loans disbursed XX/XX/XXXX = XXXX QP, Loans disbursed XX/XX/XXXX = XXXX QP.
Product: Credit reporting or other personal consumer reports

As a victim of identity theft and fraud, I'm filing this complaint with the CFPB to request that you, XXXX credit reporting agency, promptly block the inaccurate and fraudulent information on my credit report within 4 business days, as per FCRA 605B ( 15 U.S.C. 1681c-2 ). 
The fraudulent information includes an account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an secured loan from XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, A credit card account from XXXX opened XXXX XX/XX/XXXX under account number XXXX, A installment from XXXX XXXX XXXX XXXX on XXXX under account number XXXX. 
These fraudulent accounts have resulted in several hard inquiries and collections appearing on my FICO credit report, severely damaging my creditworthiness. As the victim of this identity theft, I request that you take immediate action to remove this false information and protect my financial well-being. 
Your credit report maintained by you shows fraudulent items that I do not recognize. The accounts, collections, and hard inquiries listed on my credit report were not opened, made, or initiated by me. All of these are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX proof from the US Federal Trade Commission that these credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX, XXXX and Experian to please not share my credit report for any reason without my signed authorization. I have not applied for credit lines, telephone services or promotional credit offers. While reviewing my credit reports with all XXXX credit bureaus i learned these companies obtained a copy of my consumer reports without my authorization which has added over XXXX credit inquires on my report that i did not authorize or express permission to share my report.
Product: Debt collection

CALLED EMPLOYER AND TOLD THAT I OWED BAD DEBT TO THEM AND THAT THEY WOULD CALL BACK LATER WHEN I WAS BACK IN THE OFFICE.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Checking or savings account

I was trying to cancel a transfer, so after that I called Zelle customer service using the number I got from XXXX, but it was a scam number. He asked me to download a app that would allow him to see my screen, then he opened the XXXX XXXX program, and then after that he asked me to buy XXXX. I wondered why I should buy when I wanted my money back. After that, when he asked me to send the XXXX that I bought, I realized that he was a scammer and ended the call, but while he saw my screenshot, he saw my social security and he saw my green card. 
It was XXXX dollar Date XXXX XXXX This is the scamm number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I filed an complaint with Barclays bank of XXXX on XX/XX/2015, I advised Barclays that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 Equifax XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Ive banked with Chase for over five years now Ive never had a bad check or a bounce check and Ive never had a problem yeah, two weeks ago when I went into the XXXX branch location of Chase Bank I had a check from XXXX XXXX XXXX for a settlement and they refused to cash it in that day. It was raining so I went in drove in the rain to go cash the check to then come back and deposit part of the money, when the lady was being difficult and when I showed her the large amount of money and let her know see its verified. She started to get an attitude with me and started to get unprofessional in which I said dont get rude with me and then she then told me shes going to try to close my account which then I called into the bank phone service and file a complaint letting them know that I do not want my account closed and yet today I just got something in the mail saying that there will be closing my account by XXXX.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these late payments Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency
Product: Checking or savings account

On XXXX XX/XX/XXXX I received a email stating that my account with Chime but its a well known bank thats called Chime So I received a unexpected message stating that my account closed abruptly without any legitimate reason and told me my remaining balance on my account would be sent to me within a week as a closure check so its been a week Ive tried calling them on the phone on XX/XX/XXXX and emailing then from this date up into XX/XX/XXXX almost half of the day only for them to tell me that my money is still in my account and that a check was never generated so they said they put out a ticket and which get right back with me with no luck Ive just been furious and trying to email and make calls about whats going on with my account and why hasnt my check been mailed but they refused to let me know anything and exactly why they just just kept telling me the same answer and became mislead they were not helpful on resolving my issue they have been telling me two different stories the whole time while my hard earn money is stuck on my account and there is no way to re open the account so I can get all of my funds out in the total of {$910.00} $ Is the amount that is on my account right now so then they tell me after all of this there is nothing more that they can do to get my account back open again so I can at least get all of my funds back, to whom it may concern this is very devastating and so upsetting I just want and need help with getting my account open because its a really frustrating matter.
Product: Credit reporting or other personal consumer reports

To whom this may concerns : My wife and I negotiated an apartment lease cancellation fee and subsequently paid a cancelation fee to XXXX XXXX XXXX  in the amount of USD XXXX. As a result, this fee brought our balance to USD XXXXXXXX XXXX XXXX XXXX incorrectly reported the fee of XXXX to XXXX XXXX XXXX. Subsequently, this has impacted me and my wife 's credit score with XXXX, XXXX, and TransUnion. We submitted written request, which included USPS certified mail, to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and TransUnion requesting to remove the collection balance from our credit reports. 
Action dates : XXXX ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to TransUnion, XXXX, and XXXX. 
XXXX ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to XXXX XXXX XXXX. 
XXXX ). Beginning XXXX through XX/XX/2023, multiple attempts made to XXXX XXXX XXXX  to correct the issue they initiated. No response. 
XXXX ). On XX/XX/2023, my wife and I re-ran our credit reports to see if dispute was resolved. As of XX/XX/2023, the dispute is still active. 

Additional details available upon request.
Product: Mortgage

I have been trying to get Carrington Mortgage to resume Reporting to the credit bureaus the mortgage payments after my Chapter XXXX Bankruptcy for quite some time with no success. I have already provided the signed letter and borrower authorization within the same letter to permit Carrington Mortgage to resume reporting to the credit bureaus by my attorney. Numerous attempts have been made to get someone on the phone who can help me in this urgent matter in a timely fashion. To my surprise no progress has been made just empty promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX