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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts  listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have requested the removal of unauthorized credit inquiry/inquiries on my credit report from all three credit bureaus and upon checking, my latest credit report STILL shows inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX - Requested On - XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2 XXXXXXXX XXXX XXXX XXXX XXXX  Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2
Product: Debt collection

I'm not sure if this is the correct agency to report my grievance. I've received XXXX notices of debt collection. The lender was UPLIFT INC. and they sent it to XXXX XXXX XXXX XXXX. for collection. I have submitted an ID theft report to UPLIFT. I had to file and pick a police report as well. Today when I updated my ID thieft report through XXXX. I received an automated response. ( I also have a credit lock in place ) Here is part of what was sent to me : How to Uplift. 
Shop for your items and add them to your cart just like you normally would. When you are ready to checkout, simply select Uplift as your payment method. Youll need to provide some basic information like your mobile number and the last XXXX digits of your social security number to apply. If youre approved, finish checking out and youre done. XXXX simple steps to experience Buyer 's Joy! 

Uplift and your Credit.

Uplift commits to a refreshingly surprise-free, clear handling of your credit! Here is what you can expect when you apply : Verify your identity and determine your eligibility with a soft credit inquiry ; a soft credit inquiry does NOT affect your credit score!

US-Customers : NO hard inquiry, at any time, for any loan! 
CAD-Customers : Yes hard inquiries are done for all loans. 

No it's up to me to spend my time to prove this was not my transactions. Thankfully, it has not posted to my credit report yet.
Product: Credit reporting or other personal consumer reports

This corporation break the law by practicing in debt collection scam, reporting a unverified collection, and mail fraud. XX/XX/XXXX, I received a letter asking me to pay a balance and to respond by XX/XX/XXXX. They also reported this to XXXX XXXX on XX/XX/XXXX on XX/XX/XXXX consumer it's still showing as a collection. The original bill was paid and totaled up to {$0.00} on XX/XX/XXXX. This corporation has violated over XXXX FDCPA violations. I am filing this complaint to show you that I been threatened and harassed by this corporation and they must be exposed for demanding a payment that was XXXX balance. They received a cease and desist letter and XXXX XXXX signature was on the green domestic card and they still violated my rights as a consumer.
Product: Debt collection

Sequim Asset Solutions LLC reference # XXXX creditor account # XXXX they are sending me an account that is not mine and has been settled by a company such as XXXX after switching so I am assuming this is fraud As I do not owe XXXX XXXX XXXX any money
Product: Vehicle loan or lease

I been trying to ext my right to credit. Under cfbp rule 1002.4 ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. also its consumer credit transaction fraud if the vehicle has already be paid for. Under the federal reserve act sec 16 par. 1 and 2
Product: Credit card or prepaid card

It always ask me to create a new password even though i just had created one. And when i do it then makes me change it 3-5 times in a row. So it eventually will never let me login in to my account. Only sometimes it will let me.
Product: Mortgage

Ocwen has filed a blatantly false response to this Bureau, in fact when we received a notice of news paper filing of foreclosure from the law firm of XXXX and XXXX in a single page letter, we filed a cease and desist letter in response demanding any and all paperwork, letters, previous notices, or any other related material in which they claim to have to establish standing, all they sent was a copy of deed of trust and various assignments of loan servicers. none of the paperwork received was any letters that Ocwen now claims they sent to us and has reported to this Bureau. also we filed a complaint in XXXX XXXX and within Ocwens responsive pleadings and exhibits nowhere was any letters filed, as they now claim, this is a material fact. the only papers filed as exhibits where deeds of trust and assignments of loan servicers, which is the exact same paperwork as XXXX, a material fact. an now Ocwen has filed with this Bureau chronological letters in which they claim they sent to us. this claim by Ocwen is a blatant falsehood and shocks the conscience and shows the length in which Ocwen will go to deceive and commit fraud. Ocwen never sent these letters because they did not exist, Ocwen and their attorneys fabricated these letters that all-a-sudden they provided this Bureau with these fabricated letters of fraud and deception and should be held in contempt of the Decree in which they entered. these are the exact types of deceit and fraud by Ocwen as Director XXXX XXXX described
Product: Credit reporting or other personal consumer reports

Identity Theft my personal information, and credit card information was stolen. Suspects used my credit card and ran up the balance to over {$700000.00}. This was due the the movement from my previous address to another address. In the process of thr move some time later, my credit union maile dth credit card to my previous address Well, after 6 months after I had already moved. Card was compromized and the address was changed to address of XXXX XXXX XXXX, XXXX, XXXX. The address reflected changed on my credit report. a address that I ave never lived at infact I never lived in XXXX in my life Filed Police report with the city of XXXX, Police Dept, report # XXXX for Identity Theft/ raud
Product: Mortgage

Wilson and associates sold my property on XX/XX/XXXX and again on XX/XX/XXXX and now they fixings to sell it again if they were not the trustees on XX/XX/XXXX how can't they be the trustees on XX/XX/XXXX I haven't sign Any thing
Product: Debt collection

Company contacted me about debt which I disputed and requested validation on XX/XX/2015. The company never provided the validation of the debt. Instead they sent the case to an attorney 2 months later. I informed the attorney that the company was in violation because it was after 30 days and they did not provide any validation information and collection efforts should be ceased. No other contact was made, now they have filed a lawsuit of an account that was not validated.
Product: Credit reporting

XX/XX/2015 called XXXX Trans Union to place Credit Freeze on my credit report. I was told it would cost $ 10- so I said I would give her my CC # and she said there was a {$1.00} fee to use the credit card. That was all she disclosed. I gave her my CC # and was told a credit freeze was in place until I removed it. XXXX XXXX, 2015 there is a {$17.00} charge on my CC # from Trans Union for I do not know what. I called them and was told I agreed to some sort of credit protection-I assured her I had not and she said I did that it is clearly stated on the web page-I told her I had called to place the freeze and she kept on about a contract. I have been a XXXX for over XXXX yrs ... ..I know full well and good when I have gotten involved with a contract and there is no contract. I told her I want my {$17.00} back and the account closed and she started to tell me some of the features. I already have fraud protection elsewhere-to cancel and refund or I would escalate this situation. Only then did she say she would close it but it was already paid for so no refund. I explained I would dispute with my bank. This is a credit reporting agency ... ... ... conducting fraud. I know the difference, I have seen it XXXX of times. Something needs to be done - this is inconceivable, who are we supposed to trust? This is a public violation of trust and has to be in violation of credit regulations. Please confirm this account is closed and this does not happen to anyone else. Thank you.
Product: Student loan

I have been a customer of Navient ( originally XXXX XXXX ) for a number of years. They have continued to push for forbearance ( even with the interest still accruing ) when I told them I could not afford current payments. This has happened several times over the years.They also do not allow me to enter an income based repayment plan because they said it is a " private loan ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a LEGAL Notarized affidavit to Experian, XXXX , & XXXX disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Experian, XXXX , & XXXX to Provide physical verification of the original signed consumer contract.
I demanded from Experian, XXXX , & XXXX to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt.
UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law.
Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.
Product: Credit reporting or other personal consumer reports

Erroneous activity has been reported multiple times. It is imperative that any unauthorized items are removed within four business days. These process includes verifying my identity, submitting an identity theft report, identifying the relevant information, and confirming that the activity is unrelated to any of my transactions. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1000.00} XXXX  XXXX  XXXX Balance : {$5100.00} XXXX  XXXX  XXXX Balance : {$3400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit card

I received an email from XXXX rewards to apply for their credit card. I did so and was denied. I waited for the letter of explanation. It says credit score is ( Excellent ), and denial reason is " insufficient credit file ''. I called FNBO and requested reconsideration as the reason makes XXXX sense with my credit history. They said they would have a manager look at it and get back to me. After not hearing from them for over a week, I called again XXXX and they told me it is still denied. I asked for clarification on what " insufficient credit file '' means, and they told me that's all they can say and contact XXXX. I got my credit report and called XXXX. XXXX told me they do not see anything that would cause a denial, so there is nothing they can fix. Credit report shows average account age is over 10 years, I have 40 years of credit history, an " excellent '' credit score. No missed payments, low revolving credit usage, recent credit card usage, low mortgage balance, no hard pulls other than FNBO, and " no negative impacts ''. I just want a reasonable explanation for the denial. " Insufficient credit file '' would imply there is no credit history and that is not the case here. What are they looking at?
Product: Credit reporting, credit repair services, or other personal consumer reports

In process of closing on home. Contacted XXXX because they are the only credit bureau that is reporting my student loan that has been paid off back on my credit file after was already removed and reflecting never late paid in full balance is now XXXX. they directed me to their website which doesn't allow you to open new investigation. Please help time is of essence. I am currently in process of closing on a property and my score dropped and now my debt to income ratio is 10 times higher.
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up regarding the ongoing reinvestigation. I disagree with your findings and am requesting complete accuracy. I am not convinced that sufficient effort was made to thoroughly contact the creditors reporting this information on my report. Therefore, I am asking for further details regarding the following accounts in question : Equifax : XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXXXXXX Balance Owed : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the XXXX major credit agencies to verify the information on the accounts listed on the attached XXXX letters. XXXX removed all the same accounts because the information could not be verified. XXXX and Experian have told me after multiple letters the information is verified, but will not send me any detailed information on each investigation. XXXX and Experian just ignore sending me what they are required to do.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX from XXXX XXXX XXXX through credit acceptance who I recently found was sued for the same type of actions. 
I have only had the truck a few months. 
Whole driving it the frame broke in XXXX pieces they refuse to move the loan to another truck. My down payment was added to the cost instead of subtracted. They have me down as XXXX XXXX XXXX man born in XXXX on the paper work. The cost of the truck is double what I was told it would be.they are calling me about XXXX  times a day and even call on Sundays.

The amount of issues with this company is truly a lot. I can't run my business because I have no truck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

**Hello, My name is XXXX XXXX XXXX I repeating my complaint for some inaccurate items that still exist in my credit report. Please investigate these accounts as they are incorrect and not belong to me. 
**Credit cards** _XXXX  XXXX XXXX XXXX  XXXX Reported XXXX XX/XX/XXXX This charge off account is not mine, please provide me full documentation or delete it!!! 
_XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX This charge off account is not mine, I never receipt any loans or credit from this company. Delete it!! 
_ XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX Provide me full documentation or delete it!! 
_ XXXX XXXX XXXX : XXXX. XXXX, XXXX This account reported that I was late on XX/XX/XXXX, XX/XX/XXXX. However, I never late on this account. Please provide me proofs of payment or remove it. 
_ XXXX/XXXX XXXX XXXX : XXXX XXXX, XXXX This account is not mine. Delete it immediately!!! 
_XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Provide me documentation or delete.
Product: Money transfer, virtual currency, or money service

On XXXX21 at XXXX XXXX. I received three text messages saying my Coinbase verification code is XXXX. I found this to be odd because I hadnt had any transactions or authorized any transactions in my Coinbase account in months. At that time I opened my coinbase account to see what was going on and I noticed my XXXX had been sold and multiple transaction were being made without my authorization. Someone had hacked into my account and was selling off and stealing all my assets. I had already lost {$8000.00} and they werent done. I was able to send {$3300.00} to my personal bank account which I thought would be safe but the hackers immediately made a transaction from my personal bank account which was linked to coinbase for {$3000.00}. So I lost the {$3000.00} from my bank also. 
I immediately tried to call the phone number provided by coinbase but had no luck. I found an email option to file a fraud cause, so I did. Fraud case # XXXX was filed on my behalf. The return email stated that they received my email and would reply once they had more information to give and at this time my Coinbase account is locked. I have not heard anything back from Coinbase and are unable to talk to anyone about this case. Ive potentially lost around {$14000.00} and cant gain access to my account to actually see how much damage has been done. Id like to at least speak to a Coinbase representative to know they really are trying to help me. Ive read horror stories since this incident about Coinbase customer service and Im starting to see why there is so much distrust in Coinbase. I need someone to help me with this issue. Im just a blue collar worker trying to invest small amounts of my check each week Im hopes of making some extra money for retirement and its been stolen and I cant even speak to nobody about it. Coinbase is a multi billion dollar publicly trade company with zero customer service. PLEASE HELP! Thanks for your time XXXX XXXX XXXX
Product: Mortgage

I am a new HomeOwner, my loan was transferred to US Bank after initial loan origination by XXXX XXXX My payment for the first year was {$1700.00}. I'm assuming that all estimates were based on appraisal value of the home + average taxes for homes in the area. 

I have received a bill for an escrow shortage of {$8100.00} from US BANK to be paid over the next 12 months. Paired with the new amount I have to pay to cover the new charges in 2023, our mortgage is scheduled to go up to $ XXXX. This is UNAFFORDABLE! If I would've know this ( my fault for not doing enough research ) I would've paid a little bit extra every month to ensure the Escrow wasn't short, especially by this substantial amount of money. 

Even if I pay the full shortage, the mortgage is going to go up to $ XXXX. 

I have to ask, where did US Bank fail in recognizing this shortage? I don't have the money to pay an additional {$1300.00} a month in mortgage, we barely make it as it is. We are desperate here for help, and we don't know what to do, as my wife stays home to take care of our children, one who has XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to remove these fraud accounts listed in the FTC complaint and police report However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Money transfer, virtual currency, or money service

Paypal refuses to provide the evidence used in closing a case I opened months ago. They continue to insist I signed a document that was never presented to me, but yet refuses to verify the legitimacy of the document when I state that it is a fraudulent document. 

They have demonstrated that they will protect sellers at all costs, and make it immensely difficult for buyer 's to recover funds stolen from them. I continue to provide evidence that I contacted the seller to cancel ( due to her abuse, even ), and that I did not agree to any terms either online, by fax, or otherwise. Paypal continues to move the goalposts, and refuse to provide evidence in order for me to provide my own to show that she is defrauding not only myself but others as well.