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

This is my 13th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX MS XXXX XXXX XXXX XXXX  XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Consumer Loan

Applied for loan XXXX XXXX with Rise Credit. I had used this service in the past but needed to change my bank account number for the funds to be deposited in. Spoke with a representative who told me to proceed with my application then immediately email a voided check so they could update my info. The next day funds were not deposited into my account. I called Cust. Svc. and the rep informed me the prior rep gave me incorrect information and I would need to cancel my previous application so they could change my bank info. I sent a cancellation request in writing XXXX XXXX as per their policy and they informed me the loan was cancelled, my bank info was changed and i could reapply within XXXX business days. XXXX XXXX I logged into the Rise website and it showed the previous loan attempt had been canceled. There was no mention or information showing they withdrew the {$310.00} from my bank account. I reapplied and funds were deposited to my bank XXXX XXXX in the amount of {$310.00}. Upon checking my bank account I noticed Rise withdrew {$310.00} on XXXX XXXX ( the amount of the previously canceled loan ). The only issue was they never deposited the original loan into my bank account. So now, I am missing {$310.00} from my bank account that was not Rise 's to withdraw. I spoke with a rep XXXX XXXX who was unable to help me and told me they do not show in their system that they made the withdrawal on XXXX, yet my bank statement shows otherwise. Due to their error I have now had returned transactions and have been penalized by my bank for insufficient fund charges. The rep on XXXX informed me they " had an issue ticket in the system '' but there is no guaranteed date of resolving my issue.
Product: Credit reporting 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Balance Owed XXXX {$270.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I contacted via Certified Mail XXXX XXXX  about an inquiry on my credit report that I did not authorize and informed them of the FCRA violation 15 USC 1681b ( a ) 3 ( f ) ( i ) and let them know that I do not have an account as defined at 15 USC 1693a ( 2 ) for review or collection. And I proceeded to inform them of more USC violations as well as civil liability damages of {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ]. I informed them that they have ten calendar days to settle or I would see actual damages which are greater than the amount. They responded stating that they are unable to pay and refused to do so, as well as remove the inquiry. 
I responded with yet another letter filed XX/XX/2022 repeating my offer and informing them yet again of their willfulness to settle and furnish inaccurate information on my credit report citing civil liability for willful noncompliance 15 USC 1681n, 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer and USC 1681q obtaining information under false pretenses. 

I received no response. 

All correspondence is attached to this complaint. and I am ready to proceed both legal counsel to seek further damages if they do not remove this inquiry, and abide by the law that they clearly are in violation of.
Product: Mortgage

I received a certified letter informing me about Intent to foreclose. My tenant also received certified letter. Why would Ditech send my tenant this letter when they know where I live? Ditech states I missed a payment in XXXX 2016. They send XXXX sets of statements to me every month with conflicting information. My bank statement showed I 've paid. Ditech 's payment history shows I 've paid. Ditech 's payment page indicates I have not ... Although I have contacted them through their message system, twice, they have yet to get back to me. One would think this is important. Judging by the complaints on this and many other sites, this is a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since around XXXX of XXXX, my family worked with Newrez LLC to acquire a loan by taking equity out of one of their homes. As a co-signer to the loan, early on, I provided all of the information requested by Newrez ; this included paystubs, w2 forms, and any other information they had requested to process the loan. At first they conducted a hard inquiry into my credit as well as my parent 's credit. Yet, over the course of the next 1 year and 9 months, they were painfully inconsistent with responding to our inquiries about the progress of the loan. Failing to provide a reliable method of contact and ultimately prolonged the loan process to well over a year and nine months. During this time, despite it being prolonged due to their lack of professionalism and inability to get their affairs in order, Newrez conducted two more hard inquiries into my credit, one in XXXX or XXXX and another in XXXX of XXXX. This type of behavior feels like predatory lending and has caused irreparable financial and emotional damages to my family and I. This is not including the underhanded techniques they used to change key details of the agreement without providing any notice to my family. This is by far the worst company with the worst representatives I have ever dealt with. There is much more to the issues my family and I faced with Newrez, but does not pertain to the exact complaint I am filing regarding this specific issue. 

As you can see with the attached e-mails, the time it took to get a loan from this company was ridiculously delayed by Newrez, making the repeated hard inquiries into our credit unnecessary and malicious.
Product: Debt collection

LVNV Funding LLC {$390.00} debt is showing and this account has been paid and is inaccurately being reported. I requested immediate deletion but they only added a remark saying " customer disputes this account information ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX  XXXX XXXX XXXX : {$2400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$4000.00} ; XXXX XXXX XXXX XXXX XXXX : {$9000.00}
Product: Debt collection

XX/XX/XXXX I was contacted by someone claiming to be a debt collector from Pro Collect. They informed me that I had a past due bill for an apartment complex in XXXX, OH ( XXXX XXXX XXXX XXXX ) in the amount of {$120.00} that was accrued in XXXX. I assured them that they had the wrong person and that I have been living in Indiana since XXXX. The person at Pro Collect asked me to provide my social security number which I declined to do. They then got angry with me and hung up the phone after I told them I did not think it was a good idea to give my social security number to anyone over the phone. I called back to speak with the person again, I wanted to help them get on the correct path to finding the correct person who owed the {$120.00}, but they again got angry and hung up on me. I asked them to provide me documentation on why they determined that I was the debtor, but they have ignored my request. I am a XXXX XXXX XXXX father of 2 who has been living in XXXX  since XXXX and been a home owner in XXXX since XXXX. This information is easy to verify and it would not make sense that a XXXX XXXX XXXX would be living in a college apartment complex. I willing to provide mortgage information, bills, or anything that will clear me of this debt.
Product: Mortgage

Why this deceiving company is above law and refuse to obey our Gov regulation and they also ignore your Institution too by replying honest, Why this pirate mortgage company is allowed to lie without any shame. Why tje lying XXXX their cover up artist is not arrested and put in prison yet. CFPB must help me close this company by putting a massive multi XXXX dolor penalty since many American families are defrauded by this pirate mortgage and this must stop. We care about XXXX but more criminal activity is done by Seterus that defraud families in top secret close door act that is against 6/91 Foreclosure Act and this must stop now. Your Institution must help me to get the operating license of this deriving company expert in lying, defrauding and foreclosed on a top secret close door against act 6/91 PA Foreclosure. This  company for family like my family is more dangerous due to their fraudulent tactics than any criminal organization on this planet. American families are losing their property in top secret close door act and this is more criminal than any theorist criminal act. Seterus intentionally organized the looting of all my private property and now they must pay {$260000.00} before we meet in XXXX XXXX. CFPB specifically mention that all clients must get a response from any organization doing business in USA. CFPB is an US Gov. Organization designed to help and protect  people from criminal organization specialize in defrauding customers. Was my property is my property and permanent for the next 200 years will be my family 's property and this lair XXXX there is nothing he can do to stop this expect pay the {$260000.00} or face criminal charges and {$5.00} mill legal case against this lair XXXX and his mother. Around {$260000.00} stolen, damage vandalize private property not part of any mortgage Their legal lair adviser XXXX try to cover up but this time will never work. Once I get my property that will be very. With 29 years experience in banking, including procedure of mortgage documents, ( I will provide the Court if necessary many documents from all over XXXX and some country in XXXX confirming this ) it gives me a clear edge against any XXXX lawyer, in understanding not only the mortgage documents but also the importance of those documents. For this reason I will explain again so the XXXX understands the vital importance of this document. What is the difference between a mortgage and a Promissory Note? Homebuyers sometimes think of the mortgage ( or deed of trust ) as the contract they are signing with the bank to borrow money to purchase a house, but it is the promissory note that contains the promise to repay the amount borrowed. A mortgage note ( also known as a real estate lien note, borrower 's note ) is a promissory note secured by a specified mortgage loan. Mortgage notes are a written promise to repay a specified sum of money plus interest at a specified rate and length of time to fulfill the promise. The mortgage note states the amount of debt and the rate of interest, and obligates the borrower, who signs the note, personally responsible for repayment.
Product: Debt collection

This account was opened fraudulently. I have tried to fix this problem with XXXX XXXX, XXXX XXXX, as well as the credit reporting agencies with no success.
Product: Debt collection

I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " American Credit Acceptance '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 or other personal consumer reports

I recently reviewed my credit report and noticed an account XXXX XXXX XXXX XXXX account number XXXX open date XX/XX/year>, that was not reporting accurately. i had one late payments on ( XXXXXXXX XXXX ) an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX Please update my address to : XXXX XXXX XXXX XXXX XXXX New York XXXX Date of Birth : XX/XX/year> SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year!
Product: Mortgage

Nationstar has changed to Mr. Cooper upon its change it stop receiving my automatic payments from XXXX XXXX XXXX. My automatic payments were sent in on time to Mr. Cooper, but they still refused the payments. I called and spoke to someone who became belligerent and short ending our conversation by hanging up in my face. that young man hung up in my face. The 2nd guy said that he couldnt help me but call back again and make two payments and then the company will allow me to pay future payments ... THIS I WILL DO, but I BELIEVE COOPER IS TRYING TO FORCE ME INTO A FORECLOSURE SITUATION WHILE RUINING MY CREDIT ... THIS IS A CASE OF BULLYING THE SMALL CONSUMERS AND HOMEOWNERS AGAIN ... .I was able to get help but they stated that they could not take my payments and they have charge me an additional excess of {$1700.00} in late fees and interest charges ... this happened once before with XXXX XXXX XXXX ... I barely recovered from that onslaught that gave a settlement of {$57.00} to me as consumer but millions to lawyers as I had to chase congressman and lawyers ... I need help ASAP PLEASE
Product: Mortgage

Ocwen Mortgage is trying to collect {$1800.00} in Escrow Debts instead of {$1700.00}, and {$100.00} in overcharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report prior to applying for a mortgage loan, it was discovered that there were several inconsistencies on my credit report. Disputes were then submitted with Transunion advising of the discrepancies with a request to either A ) verify the information provided or B ) remove said items from the credit report ( this was on XX/XX/2020 ). I had given thirty days to respond otherwise I would be following up. Well after thirty days with no response and no reflection of change on my credit report, I had decided to send a method of verification request to the credit bureaus on XX/XX/2020 with a request to remove the items if they were unable to provide an update on my dispute AND/OR a method of verification as they have already exceeded the timeframe allotted within the FCRA. Responses were then received advising of little or no change however no method of verification was provided to confirm the credit data furnishers were accurate. A letter in follow up to my Method of Verification request was then sent via certified mail and submitted online in the month of XXXX requesting that the inaccuracies be removed from my credit report which return receipts had confirmed were received as of XX/XX/2020. As it has now been a little less than a month since my last request and over four months since my first request, I am submitting a formal complaint in hopes that the CFPB can provide assistance inn the matter as these inaccuracies require to be removed in order qualify for a home loan. I look forward to your response.