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

And sent me a letterTo whom it may concern, I sent a certified dispute letter to Transunion back on XX/XX/2021 asking them to validate and verify a bankruptcy placed on my credit report. Transunion stated that 3rd party company ( XXXX XXXX ) verified Bankruptcy as accurate. Transunion sent me a letter on XXXX XXXX stating account was accurate. I wrote XXXX XXXX and asked them for there method of validation. XXXX XXXX could not Validate or verify Bankruptcy. I sent a second certified dispute letter on XXXX XXXX along with letter from XXXX XXXX. The letter from Lexis Nexis stated, they were unable to verify the accuracy of the bankruptcy that Transunion stated was accurate. Transunion received my certified letter of dispute back on XX/XX/2021 and have not responded to me therefore, exceeding the 30 day response required by the FCRA. ( Please see the attached documents provided below )
Product: Mortgage

XXXX  XX/XX/XXXX XXXX confirmed having the payoff check. I asked to have the payoff escalated they confirmed that would happen. XXXX  XX/XX/XXXX payoff still not processed, I asked again to escalate the payoff worker said he would put that in. XXXX  XX/XX/XXXX worker says neither of the other XXXX workers did anything but make notes in my case. I asked her to escalate the payoff she confirmed and said will be done by XX/XX/XXXX. XXXX  XX/XX/XXXX worker says they don't have the check and there are no previous notes about the check. I demand a supervisor, supervisor XXXX says they do have the check but none of the previous workers handled the escalation process correctly she says she did and it would be a " few '' more days, not a real number no confirmation that this time it is true. I asked about the money they have been holding for over a year, she transferred me to a lead in claims named XXXX. XXXX was very rude, unprofessional, kept interrupting me and said they won't let go of the money and her supervisor is at lunch but should call me today on XX/XX/XXXX this was at XXXX. It is noon still nothing and no one is processing anything with no real days of when it will be processed they have and both checks more then XXXX business days.
Product: Mortgage

Aspen Properties Group has filed preliminary paperwork to foreclose on my home. Aspen claim they purchased a debt that I had incurred. I have asked them to validate the debt but to no avail. Aspen has gone as far as to do a corporate assignment of mortgage on my property.
Product: Credit reporting or other personal consumer reports

I recently reviewed my XXXX credit report and found unauthorized inquiries. 

I am submitting this report and will be sending the dispute below to the XXXX Fraud Victim Assistance Department. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VETERANS UNI XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account numberXXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX Company it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT-OUT ( 1 ) IN GENERAL financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all the above disclosures required by the Federal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in several certified letters to all three credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all three bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all three credit bureaus. My name is associated with several XXXX XXXX living today and I noticed that I have several social security numbers that are incorrect, addresses, accounts, inaccurate errored student loans which are n't mine, other accounts that are n't mine as well. The creditors along with the Credit Bureaus have cost so much problems for me because their inputting errors on my credit file which is making my life a living XXXX.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inaccurate inclusion of a XXXX on my credit report. I have obtained an official letter from the court that clearly states this XXXX should not be reported to your agency. Despite this, it still appears on my credit file, which is both misleading and unjust. The presence of this erroneous record is causing unnecessary harm to my credit standing and must be corrected immediately. 

Moreover, I have reason to believe that an unauthorized third party is involved in this matter, further complicating the situation. The involvement of an unknown entity raises serious concerns about the accuracy and security of my personal financial information. It is unacceptable that such an error has been allowed to persist, and I urge you to take immediate action to rectify THIS.
Product: Debt collection

Aprox 3 weeks ago I requested verification for this debt. They sent me a letter saying they dont have to verify this debt that there is no basis in law to substantiate my right to such information and there is no duty to comply with such excessive verification demands. 
This letter was sent on XX/XX/2021 for the amount of {$10000.00}. 
I dont understand why theyre trying to collect for a debt from me that they wont verify.
Product: Credit reporting or other personal consumer reports

In recent weeks numerous hard inquiries have been added to the persons consumer report the person being XXXX XXXX XXXX the sole corporation name is copyrighted & trademarked, as Attorney-in-Fact for the person XXXX XXXX XXXX, I XXXX XXXX : XXXX, living man , secured creditor, administrator to the trust DID NOT GRANT THE MENTIONED COMPANIES TO RUN/PULL CREDIT REPORTS CREATING HARD INQUIRIES to the profile information being held by EXPERIAN PLC. A sworn affidavit of truth and fact is being supplied as evidence also done under notarial presentment evidencing the fact that as POWER OF ATTORNEY I demand that the HARD INQUIRIES NOTED IN THE SUPPLIED DOCUMENT BE REMOVED IMMEDIATELY. This has already been requested to EXPERIAN PLC. and NO COMPLIANCE OF THE DEMAND has been made. This has now violated the initial request and demand. EXPERIAN PLC has now contracted to the referred demand through agreement the attached invoice is OWED AND DUE UPON RECIEPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX XXXX : Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646.  Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you ( XXXX XXXX XXXX XXXX and COLUMBUS METROPOLITAN HOUSING AUTHORITY that gave you the right to enforce a claim upon my person for this debt.
Product: Credit card or prepaid card

On XX/XX/2023 i received a Cashapp card in the mail. I immediately attempted contact with the Company, on XXXX as well as calling. I was told via XXXX to download the app, which i will not. I didnt not request this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft XX/XX/XXXX someone opened an auto loan in my name under XXXX XXXX and now its in collection. closed XX/XX/XXXX XXXX XXXX hi balance of XXXX   closed XX/XX/XXXX is not mine XXXX XXXX opened XX/XX/XXXX someone used my ssn for this account. not mine. this account closed onXX/XX/XXXXXXXX XXXX XXXX. this account went to collection. opened XX/XX/XXXX. not mine XXXX openedXX/XX/XXXX. not my account closed XX/XX/XXXX XXXX XXXX XXXX   opened XX/XX/XXXX balance XXXX is not my account XXXX XXXX XXXX   showing as a charge off. this is not my account Bankruptcy XX/XX/XXXX error. not mine
Product: Student loan

I requested a forebearance earlier this year and asked that it be backdated to XX/XX/2019, as I was having some financial issues. Firstly, every time I tried to request it, the website, which is VERY misleading to even pay your bill, would tell me I'm not eligible. I kept trying and kept getting this message. Finally I decided to call them and they said that it was a glitch and j should have called to set it up. So I did, and requested it retroactive XX/XX/2019. But through numerous attempts to contact them and remediate this, I am still nowhere and they are not backdating to XX/XX/2019. I know they do this for many other customers but I am hitting a roadblock and also they reported me 30  days late back in XX/XX/2019. The responses I get are useless and noone has been able to assist and back date the forbearance. This is now 3  months later and still no response which I think is very unprofessional and biased.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft and unauthorized accounts have been fraudulently opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts from my credit report, as these accounts were opened without my authorization : XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3700.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working hard to raise my credit score to XXXX for 7 years, and was shocked this week when on my TransUnion ( and other reports ) it had decreased 15 points due to a transfer of a loan. 
Upon advice of the Department of Education, I refinanced my XXXX XXXX XXXX and switched it to XXXX. It is the same amount, but came up as a new loan and my credit score took an incredible hit. 
I was hoping to buy a home, and refinance my auto loan with my XXXX score ... but now it is down to XXXX with a loan that IS NOT new. It had just been transferred to another lender with the hope of the Student Loan forgiveness.
Product: Debt collection

I finished paying this card through the paypal/synchrony app. It went away over 2 year ago and doesn't show up with my other card on the app. Then all of a sudden I'm getting a notification 2 yrs later
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Therefore, without giving me the opportunity to opt out, your institution furnished nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and Experian ). This is a blatant violation and infringement of my consumer and privacy rights but you have also violated multiple Federal Laws as you are intentionally withholding consumer rights information from borrowers by not providing an " opt out '' clause or opportunity in the same agreement. 
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications to any non-affiliated third party including Consumer Reporting Agency. regarding " LATE PAYMENTS '' The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA and FDCPA. If you do not cease communication I will escalate the matter to a Federal Complaint.

Any further contact regarding LATE PAYMENTS by you, your Agent or any affiliated party to non-affiliated third parties except a communication, confirming your acknowledgment of this letter within 7 days of receiving this notice, is in violation of my Federally Protected Consumer Rights.

I would also like to further clarify that I am writing on my own behalf as an educated consumer and have not hired or outsourced this correspondence to a lawyer, credit repair service or any individual.

Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged LATE PAYMENTS. Please do not provide me with statements, payment history, or any other specific details pertaining to the account.

This cease and desists only gives you consent to remove. LATE PAYMENTS and is not consenting you to REMOVE, DELETE or SUPPRESS the entire account information from my credit report. You are to only delete and remove ALL LATE PAYMENTS. Any other action taken outside of the stipulations outlined in this letter will e viewed as an ADVERSE ACTION and will constitute further violations of my consumer and privacy rights.

I also require that this letter is to be read by a human being that is qualified, trained and equipped to provide an appropriate response.

Task that you respect my consumer rights.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, Ink. ) due to unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

My mortgage is serviced by : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I was contacted by a representative in XX/XX/XXXX asking if I wanted to take advantage of the assistance program due to COVID-19. Since I had lost my job I had for 10 years I was most interested in the program. I asked to questions : Will this in anyway cause me to lose my home or put my home in jeopardy in anyway? NO Will this cause my mortgage payment to go up? NO The representative said : You will get a loan modification or the back payments will be put on the backend of the mortgage. I said : Put the missed payments on the backend of the mortgage is fine with me. 
This is all the information that was given to me, the rep. said : would you like for me to fill out the application for you now? I said : Yes. I never signed anything or received any document to sign. Nor was I told that this is called XXXX! I have never heard of forbearance. I had no idea what I was accepting. I spoke with SPS every month, one day a rep told me that I should start making the Escrow payments, so I did for 6 or 7 months. Then a rep told me I should be making payments to the principal rather than the escrow. So I did. I was calling SPS every month making payments over the phone until XX/XX/XXXX. On that day the rep said : we can't accept you payment! Why? Because it has been turned over to an attorney for foreclose! Why? Rep : we don't know, the owner of your mortgage has made that decision. I asked who owned the loan, she said she could not give that information over the phone but would mail a letter. The owner of the loan is : XXXX XXXX XXXX XXXX  XXXX, as Trustee for the benefit of the Seasoned Credit Risk Transfer Trust, Series XXXX. 
I called XXXX XXXX XXXX XXXX  XXXX, I was told they would not talk to me that I could only communicate with SPS. 
On XX/XX/XXXX, I spoke with another SPS rep, who told me I could go back into Forbearance, I said : I don't want anymore forbearance, I want to make my payments. She said : If you back into forbearance it will take you out of the foreclosure process and it will give you time to get this situation taken care of. I did that. I am in Forbearance, MAKING my PAYMENTS every month! I have spoken to XXXX attorneys, all have said this is a mess, they have lied to you and most likely you will have to sue. I am XXXX XXXX XXXX, I lost my job I have no way to afford an attorney. I was also told there would be no late charges or fees and no negative credit reporting. They are charging me attorney fees and other charges. I was told by taking the assistance program it would prevent foreclosure, instead it has caused foreclosure. And they have sent balloon payment statements.
Product: Student loan

Mohela was supposed to refund {$12000.00} that I have been waiting for over 5 months to receive. They added it back to my balance and it's accruing interest. I have waited hours on hold only to be disconnected. 

I am also qualified for PSLF and they are not updating my payment count even though I submitted the employee verification for months ago.