23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Ally can not provide me with a signed and dated credit application that proves that I requested a loan from them. They are putting the blame on another company, who also can not provide proof that I applied for credit with them. 
Please see my attached later. 
I am seeking damages for my consumer rights violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion customer service would not help me to take care of the unauthorized inquiries reported to my credit report. Ive called multiple times already
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an item from XXXX XXXX XXXX  that has been appearantly sold to XXXX XXXX XXXX, that does not belong to me. I have reached out several times to ask for validation, but I have never received any type of proper response about the account. I have just did more research on the company and after learning who the creditor is, I realize the account is not mine, beyond a shadow of a doubt, because I have never had this type of credit line issued to me as an individual or an entity which whom I am responsible for in any way shape or form, as I live and breath. 
I do not own any credit line, or credit card issued by the original creditor, nor the collection agency that has purchased the debt owe by the unassociated party who is responsible for the debt, unrelated to me. The original debt has obviously been established by another individual or entity that is identified by a similar descriptive title or name or branding and is not associated or related to me, and is not, in any way shape or form, me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for theses violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2019 I have been disputing XXXX XXXX XXXX on my credit report. I have disputed this account with all three credit bureaus whom all responded to dispute as updated. However, after reading the FCRA I cant be dinged twice on an collections account. Just in XX/XX/2020 XXXX XXXXeported that I was 120 days late with this account. The account was charged-off and is closed. I'm not sure a derogatory account is showing payment history/ Charged-off/ late payments. When I don't have a payment plan set-up with this company. This collections account reported late payments for all three bureaus in XXXX which impacted my score and report tremendously. I have disputed this with all three bureaus as stated for about 2 years and they keep saying verified. How can this be verified when the account is charged off/ closed?
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft, and fraudulent activity has been reported on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following unauthorized account : Fraudulent Account : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Amount : {$400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL, XXXX XXXX XXXX XX/XX/2025 I am writng to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. Iam aware of my rights under the Fair Credit Reporting Act and request athorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Finacial Protection Bureau filed a lawsuit against XXXX for failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practies. These practies, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previosly disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results. I am deeply concerned that my disputes may have been mishanlded in a similar manner.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report on XXXX, XXXX and TransUnion and noticed fraudulent inquiries and fraudulent accounts that were listed on my credit reports that need to be immediately DELETED as well. As Clearly outlined in 15 USC 1681 and more specifically to 15 USC 1981c-2 and 15 USC 1681s-2 , I DID NOT originate or authorize the following accounts listed on my credit reports. This amounts to clear IDENTITY THEFT and MUST be DELETED within 4 business days of receipt of this complaint. I am attempting to handle this matter privately. Please DELETE account ( s ) : XXXX XXXX, XXXX XXXX XXXX. DELETE fraudulent inquiry 's : XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was in less litigation with Santander Bank at the beginning of Covid in XXXX. I applied for a loan re-modification with Santander Bank that was supposed to be effective XX/XX/XXXX. I signed and notarized the loan documents They sent me and I mailed them back through XXXX. They said they received what they needed to from me but have not Followed through with the actual loan. 
When I call the mortgage department, they tell me I have to speak to lost litigation, when I call lost litigation, they tell me that it has already been escalated, and theres nothing they can do because its the underwriters that are waiting to approve the loan. Since when does it take a year to approve a loan? 
In the meantime, the payments that Ive been making for a year and eight months in the amount that I was told to pay is only being applied to interest, even though I am not seeing it reflected on the monthly statements I receive from them because the statements that I receive are still the original loan and not the new loan with the modification. It shows that Im making payments, but it is not applied to anything on the statement. When I ask where the money is going towards, I was told it is only going towards interest only, but I have no proof of this either because I am not getting the proper loan statements from them. I dont even have a new account number yet. The original loan account number is XXXX. I have been making payments for 20 months consecutively and should not still be in lost litigation. I am afraid to make principal payments, because I have no idea where the money is being applied. I have called almost every single month since last XXXX and have not gotten any one to help me other than them just telling me, its the underwriters theyre still waiting on.
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : JEFFERSON CAPITAL SYSTEMS LLC & Account Number : XXXX Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Vehicle loan or lease

At some point I was a victim of identify theft. I would like for you to investigate the 3 credit bureau.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> at XXXX I received an email from an XXXX  XXXX  declining my application because they believe I have a felony and misdemeanor on my record. I have informed them that the felony was dismissed and one was dropped to a misdemeanor. and its closed. I have document to show that its been taken care of. 

to resolve the issue is to update my information by dismissing my felony on my record.
Product: Credit card

Avant sent me an email XXXX explaining that the program I was put on when I had XXXX in XX/XX/XXXX was not stopped and went on until XX/XX/XXXX. The email explained that I would not have to make any payments and would not have any interest until after the program ended. 

BECAUSE OF THEIR MISTAKE, I am paying XXXX in fees. This was not MY error it was THEIRS. I should not be penalized for something someone in their company did.
Product: Credit reporting

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX XXXX '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus on numerous occasion in regards to erroneous items on my credit report. I tried reaching out to Experian, XXXX, and XXXX. I have yet to receive any documentation and its investigations have extended longer than the 45 days. I am now requesting these erroneous items be removed from my credit report.
Product: Debt collection

XXXX is claiming that I owe them {$160.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Debt collection

On XX/XX/2014 I bought a XXXX XXXX from Best   Buy for {$290.00}. This product was returned on XX/XX/2014. This is reflected on my credit report as a closed account. Accurate. On XX/XX/2014 I bought a XXXX XXXX from Best Buy for {$260.00}, and this was returned because I found out I might be deploying. This was returned on XX/XX/2014. This purchase is on my credit report as a charged purchase that was never returned and is incorrect. I have proof in the form of pictures from my online account through Best Buy that I was able to access, showing both purchases and both returns. But for some reason this company decided it was going to try to collect a debt from me that was returned in full. This has been negatively dragging down my credit for years. I have tried to rectify this issue with the company and all they do is give me the run around with no easy way to get this remedied. The people that I am speaking to can give me no answers. I submitted a dispute through XXXX providing the proof of this error and it came back as verified as accurate. So with no other means at my disposal I am coming here.
Product: Debt collection

Sent 2 requests to XXXX XXXX and they failed to respond prior to filing an adversary complaint. 

I filed a Foreclosure Mediation Petition. The mediator committed perjury and the court court did not conduct a hearing and ruled against me. 

I filed for bankruptcy ( XXXX ) in XXXX of XXXX. 
I filed an amended adversary complaint ( XXXX ) against all attorneys falsely claiming they represent USBT ( and attached a letter of proof from USBancorp ) See Exhibit XXXX. 

All attorneys maliciously intend to deceive the public and me under the false premise that knowingly recording false documents with XXXX XXXX XXXX XXXX XXXX would have the legal effect that U.S. TRUST BANK NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF2 ACQUISITION TRUST, a defunct and closed [ trust ] since 2016, with whom Defendants were not authorized to represent, owned the Note and Deed of Trust, thereby committing mortgage lending fraud pursuant to NRS 205.372 ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I, XXXX XXXX, never gave Experian any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX NO Name Provided ACCOUNT NUMBER : XXXX
Product: Student loan

I can no longer participate with my current repayment plan because the Navient student loan services change the terms and conditions. In addition, I was comfortable paying XXXX XXXX  monthly but after XX/XX/2023 I need to pay the full amount with no option using forbearance and higher interest rates. These options make it impossible for me to repay the loan back with my current salary.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 30days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

On XX/XX/18 I discovered that Caliber home loans XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX have put together a loan package in my name with personal information stolen from XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX. This illegal loan was originated by Mr XXXX XXXX lic # XXXX, NMLS # XXXX, of Caliber home loans, our ( my XXXXyr old ) was given to Mr XXXX XXXX by XXXX employee XXXX XXXX ( loan officer ) who was terminated by XXXX on XX/XX/18, Mr XXXX XXXX is and was unlicensed in TN. My FTC complaint # XXXX my XXXX complaint # XXXX my cfpb reference # for XXXX XXXX-XXXX. I have had to freeze my credit right in the middle of the home search. My identity and credit are now in permanent Jeopardy and have suffered irrevocable harm by being passed around. I have never met Mr XXXX XXXX and have never heard of Caliber home loans. I did not give anyone permission to run credit and I have not filled out any mortgage applications with XXXX or Caliber home loans. This loan package was then transferred back to XXXX by XXXX XXXX, ( where our information was stolen from in the first place ) onXX/XX/18. The personal information was given back to XXXX in PDF form, it was stolen from XXXX in paper form ( hard copies ).
Product: Mortgage

I received a letter from Ocwen that I can cancel my escrow account because mortgage reached beelow 65 %. Ocwen is claiming to increase my escrow payments, even thought my taxes have been reduced. I submitted a request to cancel my escrow. I received a letter stating that my request was denied. 
My loan is not in default with the exceptions of fees that I am fighting with Ocwen ( see complaint XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive have express concerns In the past with Experian about their reporting, I reviewed my payment history with Experian for my XXXX account. Not only is my account open and active but there reporting me delinquent in 2019 when I was never late on my account. This has drastically affects on my payment history. Ive attached a report that clearly shows that I wasnt late during that time. Not to mention there showing a date of last payment in XX/XX/2019. But payment grid in the picture shows XXXX which once again I wasnt late!!! And this account is open and active they have a duty as an agency to ensure account. Reports accurately
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX DEBT ; Credit Managent LP
Product: Credit reporting, credit repair services, or other personal consumer reports

I was about to apply for credit and looked at my credit report and was amazed at all the inaccurate and false information in direct violation of the Fair Credit Reporting Act. On the Attached Identity theft report the listed accounts has violated my state and federal protected consumer rights to privacy and confidentiality under 15 USC 1681. This law says i have the right to privacy and under 15 USC 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, 15 USC 1681c ( a ) ( 5 ) 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. And lastly under 15 USC 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 reason to believe that the information is inaccurate. 

Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX Past due {$2400.00}, Accounts for deletion : XXXX XXXX reported XX/XX/XXXX {$4000.00} Accounts for deletion : XXXX XXXX reported XX/XX/XXXX Account for deletion : XXXX XXXXXXXX reported XX/XX/XXXX {$700.00} Accounts for deletion : XXXX XXXX ACCOUNT FOR DELETION : XXXX XXXX REPORTED XX/XX/XXXX {$590.00} ACCOUNTS FOR DELETION : XXXXXXXX XXXX  XXXX reported XX/XX/XXXX {$18000.00} Accounts for deletion : XXXX
Product: Mortgage

Hi I was member of nationwide biweekly program and they stop making payments of my loan without communicating to me in writing or making a phone call to my cell. I was a member of this program since XX/XX/XXXX to XX/XX/XXXX I had read that there is a suit to this company, I would like to know how to get more info since the nationwide has not telling much about the problem Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX XXXX on an account ending XXXX that XXXX, XXXX, and Tranunion reported the account as fraud. Causing XXXX XXXX to close the account. I never claimed this or any other account was fraud. As a matter of record the communications I sent specifically requested they NOT place fraud alerts on my credit. And only that they investigate the accounts I specified. This XXXX XXXX account was not among the disputed accounts ...