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

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX Balance {$20000.00} XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$720.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX
Product: Student loan

Hello, On XX/XX/2020 I spoke with a representative that stated that all my loan payments will be consolidated to one and there will not be duplicated accounts on my report showing the same payment. My credit report is showing the same accounts when i've already consolidated my loans in one and they updated my payment schedule. The same account is reporting balances of {$1300.00}, {$2500.00}, {$7500.00}, {$4100.00}.
Product: Mortgage

XX/XX/2018 I entered into a loan refinance with Loan Depot. I was in the process of getting a divorce and told them it would be final around XXXX. I needed to get My spouse off of the loan and title/deed. I told XXXX XXXX that my condo was on XXXX lease land and gave him the contact info. He said it was no problem and would take care of it. The loan refinanced but they failed to contact the XXXX company and the BIA. I then was told to do a quit claim. I did this. Then last month I found out that none of the process was followed correctly by the escrow account. They never check with XXXX XXXX or the BIA and now I am told that I have to fill out forms and pay fines as the BIA doesn't allow quit claims and the loan was not divulged to them as they still show the previous loan company as an encumberence. I asked Load Depot to fix this problem and they say they cant. 
" XXXX XXXX XXXX XXXX ( 30 minutes ago ) to me, XXXX As mentioned below, There is nothing we can do on our end, as myself and XXXX process loan application for refinances. We do not have any access to loans that are in loan servicing '' Can you please advise what I should do next? I thought when paying an escrow company to manage a loan that I was paying them to do the correct process?
Product: Credit reporting or other personal consumer reports

there some info that's not mine on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

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

My account with SELF / LEAD was never late! I have had exceptional payment history witH SELF / LEAD 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 XX/XX/year> 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. 

SELF / LEAD Never Sent the periodic statement along with the disclosures from section 1637 ( 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Identification is showing my ex-husbands wife 's name, XXXX. 

I should have nothing with " XXXX '' attached to my credit reports. See below. 

Name XXXX XXXX XXXX Formerly known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number xxxxx XXXX Age or Date of Birth XX/XX/1958 I have never been formerly known as XXXX XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

All my accounts say " in good standing '', " paid ; never late '' ; only have one open credit card. Worked to pay off all credit except for my one active credit card. Shouldn't that be good for my credit? Instead Experian has just lowered my FICO score from good to fair. Why? Can Experian not count? I had better scores when I had too much credit and bad spending practices. Their reporting practices are unfair. Are they trying to say that too much credit is good? So who are they really helping- the consumer or the companies that want you to owe them money? Paying off your accounts is the responsible thing ; atleast that is what I was taught. But instead, I am rewarded with lower FICO scores so that makes it look like I am a bad credit risk when in actuality, I am really good at paying off my financial responsibilities. You should investigate the credit reporting activities of Experian, especially unfair FICO scores.
Product: Mortgage

Nationstar LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Called Mr Cooper to get an update, as our negotiator has stopped communicating with us in XXXX he has not responded in XXXX to any of our requests in over two weeks. I ended up speaking with XXXX XXXX. He was extremely rude and combative. Continually interrupted me, and refused to send me to a supervisor. He said there were no updates if there was nothing in XXXX. I told him the negotiator is not responding in XXXX and we need an update on the file, and if he cant get an update for me then I need to speak to a supervisor. He then grew extremely frustrated with me, told me that the negotiators workload has just INCREASED AGAIN WITH NO ADDITONAL HIRING TO COMPSENSATE FOR THIS, that there were no updates, there was nothing he could do, and refused to send me to a supervisor. He then stated ITS NORMAL FOR A SHORT SALE TO NOT BE WORKED ON IN OVER TWO WEEKS. I explained to him that I could her the frustration level in his voice and stated that no response in two weeks is not acceptable, and I needed an update, if he can not help me then I need a supervisor. Apparently telling him I could hear his frustration level in his voice triggered an extremely combative emotional state for XXXX XXXX. XXXX XXXX became extremely combative, contined to interrupt me, refused to let me finish speaking. 

Neither XXXX XXXX nor Nationstars behavior is acceptable. I want XXXX to received additional training, as it is apparent he does not know how to control his emotions when he is at work. His representation of Nationstar is antagonistic, defensive and extremely resentful when speaking to people on the phone. The understaffing issues started over a year ago when Nationstar shut down their Arizona facility. Nationstar has done NOTHING to fix these issues. It is apparent that Nationstar has created a hostile working environment and does not have the staffing to continue their servicing obligations. 

I want Nationstar fined the maximum of $ XXXX due to their inability to fulfill their servicing obligations.
Product: Money transfer, virtual currency, or money service

Deposit of {$1000.00} was sent at XXXX XXXX Monday XX/XX/XXXX, trading is allowed until payment clears, before the payment cleared 1 day later, I attempted to sell the bitcoin I had bought with my remaining balance, I wasn't able to sell my bitcoin, the platform showed I had bitcoin but treated it like if it was stuck on an open order, I did try to set a limit order but it didn't go though. After that my funds cleared today and I'm still unable to withdraw or trade my bitcoin Case:XXXX I sent screenshots of the issue
Product: Mortgage

Supposed to close on the XXXX but the company keeps coming up with meeting one more document. Send the documents in immediately now cant get anything any communication from them they made the closing on the second now cant get any return calls emails nothing Have made several purchases for the new house supposed to be all delivered and we havent closed yet
Product: Prepaid card

Under California Middle Class Tax Refund ( https : //www.ftb.ca.gov/about-ftb/newsroom/middle-class-tax-refund/index.html ), I received a {$1500.00} refund. California Franchise Tax Board ( FTB ) outsourced Money Network Financial , LLC to issue a prepaid debit card which I never received. After so many attempts to figure out why I did not receive it, finally, Money Network was finally able to verify my account and re-issued a debit card to me, and then I found out the original card was stolen and money was withdrawn from various ATM machines without my authorization. I reached out to FTB originally about this incident and was informed FTB can not help and Money Network will need to assist me with this. I filed complaints and disputes against Money Network, but they never officially responded. I reached out to Money Network multiple times and finally, I was able to speak with someone over the phone, and they denied my dispute. I never received the original debit card and my money was withdrawn without my authorization. I have filed a policy report at the local XXXX Police Department. Case number can be provided upon request. I need my money back. Lastly, financial regulations and authorities are very complex. If CFPB is not an appropriate regulatory body to handle my case, please refer the right authority so I can resolve my issue.
Product: Credit reporting or other personal consumer reports

Checked my credit report on XX/XX/XXXX. I noticed XXXX inquires on my credit report that I did not authorize. I've called, XXXX XXXX at XXXX pulled XX/XX/XXXXXXXX XXXX XXXX XXXX  at XXXX pulled XX/XX/XXXX, XXXX XXXX XXXX at XXXX, XXXX XXXX  XXXX at XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX pulled on XX/XX/XXXX, Search XXXX XXXX XXXX XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX  at XXXX pulled on XX/XX/XXXX with no resolve. I'm requesting to have these be deleted from my credit profile. All other inquires are mine. 

I've contacted XXXX XXXX XXXX  several times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at XXXX to remove late payments on my credit report. I was no late on any payments. All payments paid on time. Now XXXX XXXX XXXX  only accepts payments via XXXX XXXX of which I paid my account on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I received notification from XXXX XXXX that my loans had a balance. I called them and advised that I am still in school and that my other loans are in deferment but they decided to report it the three credit reporting agencies instead. XXXX XXXX has changed their name to Mohela but they continue with the same old tricks that cause them not to be able to service federal loans. I am going to report this to the FTC also.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Debt collection

I received two letters and one phone call from Simms Associates Inc. claiming that I owned money on my XXXX account. I contacted XXXX and they said I do not owe money and there arent any other accounts under my name. Simms Associates tried to get the last 4 digits of my SSN, which I didnt give them.
Product: Bank account or service

About a year to a year and a half ago I signed up for a Wells Fargo personal bank account over the phone and was sent my cards and paperwork through the mail. Since then I have had trouble over and over using their online services and specifically when I try to reset my password it has you enter your username and some ID such as your DOB, Social or Account number. If I enter my username and social it tells me I have multiple accounts, if I enter my username and DOB it tells me I have multiple accounts. I only have XXXX account with Wells Fargo. I was hung up on by XXXX Wells Fargo 'bankers ' twice today for asking if this was related to the news article that came out. The last call I was told I would be connected to a supervisor to help clear the issue up and was hung up on before any kind of transfer happened. While writing this I am on hold again. I am in Texas, not California but I believe I may be a part of this recent news. I have not been given answers yet and need to know if I am or not a part of this issue.
Product: Mortgage

Bank of America used an appraiser in NC that grossly inflated raw land appraisals in early XX/XX/XXXX. Her name is XXXX XXXX XXXX, and she was forced to surrender her license 2 years later to avoid justice. My lot XXXX XXXX was appraised at {$340000.00}, with 3 other lots nearby appraised at {$340000.00} to {$370000.00}. My purchase price was very enticing at {$120000.00}. Today, it is worth XXXX because a house ca n't be built in it due to a infraction on the front which reduced the size from 80 ' to 26 ', verified by XXXX XXXX. tax assessor XXXX XXXX, which then lowered my tax assessed value by 50 %. BOA used this tactic to garner my mortgage of 7.5 % interest only first 5 years, then payments currently at $ XXXX/month, {$320.00} interest /month. XXXX XXXX XXXX was fined by the NC AG for XXXX XXXX dollars in XX/XX/XXXX for deceptive marketing. BOA so far has escaped but certainly were involved by grossly deceptive Land Appraisal Reports. BOA has been contacted numerous times but refuses to acknowledge. I need help from the US Govt/FTC.
Product: Debt collection

I have received numerous phone calls from ( name the collection agencies ) ( the max you should do is XXXX ) I have requested that they cease all communication with me being that this debt do not belong to me. They haven't provided me with no proof, I have sent XXXX debt validation notice and they still havent responded back with any documentation. Per the FCRA these collection companies are in violation of 15 USC 1681n for willful Non compliance. also in violation 15 usc 1692c. My understanding this in violation I can sue for up too {$1000.00} per violation. Hopefully you will reach out to these companies and also have these inaccurate accounts deleted from my profile.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy T have never been late on payments for the account ( XXXX XXXX  ) : ( Account XXXX ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Consumer Loan

I bought a used car from  XXXX  in Nevada and they created a retail installment contract and sold it to or made i t Capital One Auto. I fin d this relationship to be inappropriate at the least, incestuous at the worst and definitely illegal in the state of Nevada.  XXXX  is not a member of any Nevada  State Financial Institution . The contract was between  XXXX  and not Capital One Auto Finance and according to Nevada law a vehicle finance business must be licensed under  XXXX   XXXX  and  XXXX   XXXX . Making the original contract one entered with  XXXX  and not  Capital One Auto  to enforce any repossession as the seller was  XXXX . This incestuous relationship limited me from the appropriate selection of loans as  XXXX  only offered Capital  One Auto option creating wealth for the dealership and Capital One  which is also illegal in Nevada.  Capital One  extended the loan which also changed the original due date but the installment or electronic payment was recently voided without my consent. I specifically said on a recorded line that I did not authorize this change. This brings to the forefront the illegal actions of reporting false information to a financial institution, a federal crime that was repeated twice by  Capital One Auto.  The stipulation of the original contract are no longer enforceable. I am requesting the recording of this false documentation to be played in order to prove the lack of scruples on behalf  of Capital One Auto. T his is all illegal in the state of Nevada and also highly illegal on the federal level. The retailer taking profit from loan, the denial of my request for my loan information during a transaction verification call is against Federal Reserve  Law,   Financial Modernization Act, Equal Credit Opportunity Act and Truth in Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. being that they have gone past 30 days Mark and can not verify these accounts under Section 611 ( 5 ) ( a ) of the FCRA they are request required to probably delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Vehicle loan or lease

Credit acceptance repossessed my vehicle after receiving the payment in full from the Federal Reserve when they traded my endorsed negotiable instrument for equal value in federal notes.