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

This letter is in response to your recent claim that XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Mortgage

I had sold a home that I owned with another person. At the time of closing the proceeds were split XXXX. Then the Mortgage company fifth third mortgage sent a check back for our escrow refund, check was sent to a address I do not know. I had called fifth third bank several times about the escrow check and they assured me that the check would have to be signed by both parties. Then the other party took the check to fifth third bank signed his name to the escrow mortgage refund check and deposited it in his account with out my signature. I am not on his checking account. So fifth third bank has let the other party take the Mortgage escrow refund all to himself. I contact fifth third bank and was told to bad. Please investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$7500.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 bureaus and the original creditor letting them know the following information is fraud and needs to be removed immediately. They have failed to do so. IU have not received any letters from the original creditor regarding this debt. Nor have i received information from this ccs collection agency regarding this debt or informing me they would send anything to collections. This violates the fdcpa and is fraudulently reporting on my credit report i demand immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOLLOW UP TO PREVIOUS DISPUTE I am still waiting upon a resolution and a response from Equifax regarding a strange " loan '' appearing on my credit report labeled XXXX XXXX account number is XXXX .... 
This is an unfamiliar account which I have been disputing with just Equifax and I have had zero response since my initial dispute from my letter sent out in XXXX and then challenged the account again here on the CFPB portal in XXXX because I am concerned about my student debt rates that will be affected by this inaccurate account. No remarks have been placed on the account that this item is being disputed by the bureau, no information is available from Equifax or any monitoring company regarding who and what this account is in reference for and to whom I may contact for verification. 

I have never held an account with XXXXXXXX XXXX and I am not even sure what a Loan is from XXXX XXXX. Without validation, contact information or proper month to month status information how is this being reported towards my credit? This certainly was not verified and I feel as though a dispute was never entered because none is indicated nor have I received mail regarding the results or whom to contact. Please remove the account permanently. I don't understand why I am waiting so long for a resolution here. good XXXX it has been 3 months and I have no resolution and I keep being told to wait on a response ....
Product: Debt collection

The credit card on the account is a capital one account in which my mother opened back in XXXX, I never had knowledge to this at all until about XXXX in which I received letters from debt collectors stating I had to pay a fee of XXXX due to the account being closed. 
My name is XXXX XXXX I was born XX/XX/XXXX I am now XXXX years old back in XXXX I was XXXX years old. My mother held my identification and social security numbers and did fraudulent activity in my name and I have repeatedly tried to contact the company about this, even mailing them the papers they sent me back and yet still no response. They told me to file for identity theft and Ive also done that and yet no follow up. My situation even goes deeper as my mother uses food stamps in my name while in a different state, and also received my whole income tax return in XXXX without my knowledge not giving me a dime of the money I worked all year for. If I could get assistance with this situation it would be great Im tired of feeling like Im being pushed around by my parents and this company about this situation its seems they dont care if I was a child they wan na make me pay and Im not the person whose should be paying the debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY WAS REPORTING ON ALL BUREAUS, BUT WAS DELETED FROM XXXX, XXXX IN ERROR.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are allowing companies to have access to my consumer file. After applying for credit recently I was denied. Having received the Denial letter, it stated that I have accounts with newly reported lateness and derogatory accounts. I checked my consumer report and there are accounts reporting negatively that I do not have any affiliation with as well as one account that was never late but for some reason is being reported as late. 

XXXX Is being reported as late. I do not own this account and I do not have any affiliation with this company. 

XXXX Is being reported as closed and negative. Please remove XXXX XXXX being reported as closed and negative. Please remove XXXX XXXX being reported as closed and negative. Please remove XXXX is being reported as late, I was never late on this account. Please correct.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of FREEDOM MTG account number XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account Number ( xxxxxxxxxx XXXX-full account number not provided ), has violated my rights : 15 U.S. Code 1681Section 602 A- Violated my right to privacy. 

15 U.S. Code 1681 Section 604 A- A consumer reporting agency can not furnish an account to my credit report without my written instructions.
Product: Debt collection

Date opened XXXX. Amount owed : {$1200.00}. Macy/Citi Bank N.A . 
Please Re-Investigate this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a 30 day late/misses payment. That is incorrect, I never missed a payment, nor late. I have a XXXX balance. I disputed the reporting with the company and credit bureaus in XX/XX/2018 and it was removed. It was added back to my credit profile in XXXX again. I did not authorize a payment they said was returned and it was returned because there was fraudulent activity on my account and they refuse to properly look into this matter. Ive tried multiple disputes to get this resolved.
Product: Checking or savings account

Straight forward issue : I want to get my {$5000.00} released from Chase Bank. 

They closed the original account and has not returned the funds to the original account.
Product: Debt collection

No knowledge of this account, noticed this on my credit report. Did not receive right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items information which iare found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files.XXXX  XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$2.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I had been being charged from outside sources I wasn't affiliated with. I could contact anyone... the app kept repeating to contact the bill collectors or companies receiving the unauthorized payments from my account but the didn't exist or wasn't contactable with the little information that cash out was providing for the transaction. There was literally nothing I could do but watch them constantly take my money. I stopped using it all together. After months passed I eventually sent off for a new card when Cash app finally did give me someone to contact... And shortly after that not only did the same thing begin to happen again... But other I'm related cards begin to have the same withdrawals from the exact same non-existent companies.
Product: Credit reporting or other personal consumer reports

I was advised by a TRANS UNION Rep to fill out this report because of unauthorized inquires in my file. Please remove all these unauthorized inquiries from my report. This is hurting my credit score and giving false information to future creditors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

XX/XX/XXXX my coinbase account was compromised. This happened by my email getting hacked and my cell phone number then getting ported out or sometimes called sim card swap. I contaced coinbase to let them know, I received an email immediately saying my account had been locked for security reasons. I was asked to submit photo **s and other requisite information for security and told VIA EMAIL that my account should be re-activated by XX/XX/2022, I called and spoke to 'customer service ' Their customer service is a sham, unable to escalate or provide any meaningful solution. The 'agent ' i spoke with then sent me another link to re-upload my ** data via a 'XXXX  " Portal. Immediately, I uploaded my ** data AGAIN, in the fashion requested ( see supporting doc ). I called to follow up AGAIN on XX/XX/XXXX, only to be told Coinbase 'backoffice ' has to check the ** data I submitted and customer support said 'they are not able to escalate anything ' - basically, I am locked out of my money,, and they are providing NO solution to this problem. As far as I am concerned, this is approaching financial crime-status.I can not believe how this company operates. They are operating in an illegal fashion, providing zero solutions and locking me out of my financial belongings. Please assist asap. This is outrageous and unacceptable. I have also filed a FORMAL COMPLAINT with Coinbase, which is Case # XXXX. Today is XX/XX/XXXX and nothing has changed. I
Product: Credit reporting

XXXX charged off my account in XXXX 2015 but the account continues to show up as a new delinquency each month since. I have tried to address this with Equifax, but was told the debt is valid and can report every month as delinquent even though the status is charged off. I am trying to rebuild my credit and unable to make progress with the account being reported as delinquent every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax today at XXXX because the current address listed on my recently obtained credit report was wrong. The representative I spoke to was located in the XXXX. I have not consented to having my credit information shared with call centers outside of the United States. I'm concerned about how my personal information and privacy is protected in third countries with weak contract enforcement and weak rule of law. This is especially true given the XXXX data breach that exposed the personal information of 147 million people. Equifax also could not tell me which credit company incorrectly reported to it in XX/XX/XXXX an address I lived at 8 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX account # XXXX XXXX Bank account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 1195**** 15 U.S.C 1681 Section 602 ( A ) States, I have the right to privacy.

15 U.S.C. Section 604 ( A ) States, A consumer reporting agency can not furnish an account without my written consent or instructions.
Product: Debt collection

In Good Faith, it is the intention of the creator of this complaint to place this account into a Billing Error Status pursuant to the legal authority 12 CFR 1026.13 as the presentment ( statement ) issued to me used fraudulent, fictitious, and deceptive language to defraud and confuse me violating 18 U.S. Code 1001.
Product: Student loan

I have been trying to get a hold of someone from Mohela for the last XXXX months to understand how my payments are being calculated, why interest is still accruing when I have been put on the XXXX plan but I can not get a hold of anyone or keep getting re-directed with no correct answer. The company is clearly overwhelmed with the number of loans they are handling.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated LVNV Funding LLC Account # XXXX, was properly investigated but how can that be possible if the date last active is inaccurate, the date last reported is inaccurate, the date of last payment is inaccurate, the two year payment history is inaccurate, the payment status is inaccurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I Haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Mortgage

In XXXX, I bought my home with my VA loan and since then I refinanced it twice. Well over the years I been paying half of my mortgage for my primer home mortgage every two weeks. Well, since Mr. Cooper ( aka Nationstar Mortgage ) bought my last mortgage  company they claimed that I have miss paying my mortgage on time because their system is not equipped to receive my payment every other week. Therefore they charge me late fees but my original loan paper states that I am allowed to pay half of my mortgage every other week. Well, Mr. Cooper send a letter several times claiming they do not care and they require that I must sign a whole new contract with them before they even honor my original mortgage. 

On Tuesday XXXX XX/XX/XXXX, I received a letter dated XXXX XX/XX/XXXX from Mr. Cooper stating that my mortgage loan is in default again which is a total lie since several times a year they receive more then 2 payments in a month. Some months they receive 3 payments. Also each payment is actually more then half of my actual mortgage payment. The payment is actually {$50.00} more. 

My mortgage payment being made every other week is {$560.00} I filed a several complaints with the XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Texas and the Veteran Administration against Mr. Cooper ( aka Nationstar Mortgage ) each year since they bought my mortgage with no resolve but Mr. Cooper charging late fees. 

I done research that Mr. Cooper has a very low rating as to handling VA loans. 

Mr. Cooper address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX