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

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$960.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00}
Product: Checking or savings account

Robinhood restricted my account today I had been trading on my account all day no problem then I looked in the settings and saw I had cash available to withdraw in the amount of {$1800.00} coming to a final amount of {$1800.00} when I tried to withdrawal my account was frozen and access to my funds where cut completely off
Product: Mortgage

KONDAUR CAPITAL CORP, is attempting to foreclosure on my property with a fraudulent robo signed document. I have requested that XXXX XXXX XXXX XXXX, XXXX, as Trustee of XXXX XXXX XXXX XXXX no longer sign as Attorney in fact for us. It is unconstitutional for my rights to be waived, for I am entitled due process of law. They are going to foreclosure on my home on the courthouse steps without responding to the QWR, debt validation letter, or the proof of claim in which was submitted. I am disputing this debt because we do not owe this amount, nor do we have any contract to with neither Kondaur Capital or XXXX XXXX.
Product: Credit card or prepaid card

Received a debit/Visa card from us bank ReliaCard that I did not sign up for
Product: Credit reporting or other personal consumer reports

To whom it may concern : My goal is to ensure that the information on my credit report is accurate and reliable. I have decided to use my rights under FCRA to challenge any information in my credit report that is not accurate. This is just an allegation at this point, so I need you to provide evidence before taking any drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct formatthis is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. I'm fighting back against this injustice so I can get my life back! Please send over some physical proof of what has been done and an updated credit report.
Product: Debt collection

My father,   XXXX   XXXX  , passed away  XX/XX/XXXX  ; at the time he had a mortgage with Nationstar Mortgage Company, Loan #   XXXX   in  XXXX , Idaho. I contacted Nationstar on XX/XX/XXXX  to let them know that he had died and that we were looking through documents, looking for a will, etc. On XX/XX/XXXX  I contacted Nationstar again via phone to tell them that the estate was insolvent and that I was sending a letter of insolvency along with a copy of the death certificate. They refused to talk to me about the account specifically because I was not on the account, I said that was fine, I just needed an address to send the letter to. I mailed those documents out on XX/XX/XXXX  with the statement : This is to notify you that the account holder,   XXXX   XXXX   XXXX  , is deceased. Enclosed is a copy of the certificate of death.
It has been determined by a lawyer that the estate in insolvent as the deceaseds assets are insufficient to pay the estate debts, taxes, and administrative expenses ; no probate action will be contemplated.
Please exercise your rights as you see fit, however I kindly request that you stop contacting the estate regarding this account as required by the Fair Debt Collection Practice Act. ( please see attached document ) I had been receiving my bills for my father 's mortgage at my personal home address since mid- XXXX  and continued to receive them even after my request to stop. I sent another letter mid-  XXXX    reminding them that the estate was insolvent, that I had already sent documentation and to please stop harassing me with bills at my personal residence. They persisted and bills/statements/etc. come to my home address several times a month ... since   XXXX   I have been returning these items to sender marked, " Return to Sender, Recipient Deceased, Estate Insolvent '', and have done so for nearly a year.
On XX/XX/XXXX  at  XXXX  on a Sunday evening I personally was served papers that Nationstar is suing ME for my dad 's mortgage. There was no money in my father 's " estate '' to even pay for funeral services, so I had to pay those out of my own pocket, and now Nationstar is forcing me to pay for an attorney out of my own pocket for a debt that is not even mine. I have notified Nationstar of my father 's estate insolvency as a courtesy, and have repeatedly asked Nationstar to stop contacting me personally for debt collection on this account and they have persistently harassed my home address for 18 months. No where on my father 's mortgage is my name listed ( I was a minor at the time of the home 's purchase ) and now my name is listed in the state 's repository as a civil defendant. Nationstar would n't even talk to me on the phone because I was not on the account, but they 're certainly willing to bombard my mailbox with bills, and SUE me for the debt. I would say that Nationstar has used abusive, unfair, and deceptive practices to try to collect a debt that is not my obligation to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I made a total of 6 disputes with Experian and 5 of the same disputes with XXXX. XXXX is closing disputes as paid with {$0.00} balance owed while Experian is closing disputes and reporting that creditor is stating amount still owed. 

Experian accurately updated a XXXX XXXX loan to reflect a XXXX balance and days later it now reflects full amount owed status again. XXXX accurately closed furniture retail card dispute to reflect a {$2000.00} balance to a {$0.00} balance. Experian inaccurately closed dispute for same creditor from {$2000.00} balance to a {$2.00} balance. XXXX closed XXXX XXXX  car loan dispute from {$2000.00} balance to {$0.00}, while Experian closed dispute stating creditor reported amount still owed. 

Since XX/XX/23 I have been trying to upload proof of disputes to the Experian website with no luck. On XX/XX/XXXX I spoke with two very rude dispute Experian dispute reps, one which promised a supervisor call back that I never received. I spoke with Experian dispute rep XXXX on XX/XX/23. I explained my frustration and concern that every dispute to Experian is coming back inaccurately resolved, while XXXX is showing resolved for the same disputes. XXXX stated maybe I selected the wrong dispute reason. I explained I disputed accounts using account paid in full, and I believe this reason was self explanatory as to what I am disputing. I further explained how weird it was that XXXX is providing accurate creditor response and Experian is closing every dispute showing inaccurate creditor response. XXXX then stated maybe I should try disputing again using a different reason.
Product: Credit reporting or other personal consumer reports

As you can see from my previous complaints, XXXX stole my money. I took them to arbitration and won the case against them. XXXX had to pay me {$5000.00} plus. I sent in the paperwork I received from the XXXX company. Experian said they contacted XXXX XXXX XXXX, representing XXXX, and they stated the {$2600.00} would remain on my credit without providing any evidence, unlike my paperwork, which clearly states I won the case. XXXX had to pay me {$5000.00} for all their wrongdoing. It seems XXXX also has enough money and clout to sway the credit bureau. Just a reminder : XXXX is a corrupt company whose CEO spent 119 days in jail for wrongdoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023, to remove some items that are UNKNOWN to me. I require you to remove/block any items listed below : 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 Balance : {$0.00} Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the 3 credit reporting agencies ( Experian, XXXX  XXXX ) 4 letters disputing the items below on my credit report. 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 want 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  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Hospital acct # XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX act # XXXX XXXX XXXX XXXX acct # XXXX Experian XXXX and XXXX has repeatedly ignored my 4 letters sent XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating that the items are verified by the company who paid them. Of course the company who paid them to put items on my credit will say they are mines. Who are these people? Where is the proof? The credit reporting agency must abide by the federal law, and delete these items from my report. With the data breeches the credit reporting agencies have had, I do not trust anything they say.
Product: Mortgage

I have called in weekly since XXXX/XXXX/2015, ... .... and each time I was told the file was in underwriting. I recently called on XXXX and was told the file was not in underwriting and has not been the entire time. I spoke to a manager XXXX XXXX ID XXXX ) who could not give me an explanation of what happened. I plan to resubmit a whole new packet as the original will likely be outdated. Please see that this new packet goes properly into underwriting and that the representatives are not falsely stating a packet is in underwriting when it is not. Thank you for your time and consideration in this very serious manner.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Fraudulent Account Data Breach Victim Dear Sir/Madam, I am writing to formally notify you that I have been a victim of identity theft as a result of a data breach. I discovered that an account with the following details was fraudulently opened in my name without my knowledge or consent : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Amount : {$00.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to update correct adress over the phone Website failed to upload my correct adress After I tried to upload documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan  because of this CHILD SUPPORT XXXX
Product: Credit reporting or other personal consumer reports

Discover Bank Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I am writing to file a formal complaint against Discover Bank, located at XXXX XXXX XXXX, XXXX, DE XXXX, for its blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681i, among others.

Discover Bank has inaccurately reported an account on my credit report as charged-off and closed by the credit grantor. However, this account was charged off and subsequently sold to a debt collector. Given that Discover Bank no longer owns this account and has been compensated for it, the persistence of this trade line on my credit report is incorrect and misleading. Furthermore, my successful court victory against the junk debt buyer further substantiates the inaccuracy of the trade line. 

Additionally, the reported charge-off amount is erroneous. Prior to XX/XX/year>, I had made substantial payments towards this account, which are not reflected in the reported balance. This misrepresentation has unjustly impacted my XXXXredit score and financial standing.

Pursuant to 15 U.S.C. 1681s-2 ( a ), Discover Bank is required to furnish accurate information to consumer reporting agencies and correct and update any incomplete or inaccurate information. Moreover, under 15 U.S.C. 1681i, as a consumer, I have the right to dispute the completeness or accuracy of the information in my credit report, compelling Discover Bank to rectify any inaccuracies found.

Discover Banks refusal to amend this inaccurate trade line despite my disputes and supporting documentation violates these FCRA provisions. This action not only harms my creditworthiness but also undermines the integrity of the credit reporting system.

I request the Consumer Financial Protection Bureau to intervene in this matter and compel Discover Bank to comply with its legal obligations under the FCRA, including the immediate correction of my credit report and any other relief deemed appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to BANK OF AMERICA, N.A for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEB, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied with the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX XXXXXXXX with account number XXXX Equifax claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Equifax seeking proof of this debt : Equifax XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. Equifax continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The account number is XXXX with a balance of {$1500.00}. 


15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXXXXXX XXXX XXXX  : # XXXX, XXXX : # 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 has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

My significant other and I own a home with a VA mortgage with The Money Source. We are both on the deed. We asked for forbearance under the Cares Act and that ends in XXXX. We always told TMS that we were keeping the house but every month or so they put the house on an auction sale. 

We hired a lawyer who has sent multiple letters stating we are keeping the home and want to start repaying mortgage but we have received a bill for the total arrearages. We cant pay that and the Cares Act allows for us to put in e d of mortgage or work out a payment plan. Instead of doing this they put house on auction sale in violation of Cares Act. They have not answered or responded in any way.

We just want to keep the house but we need them to work with us on the arrearages. They will not be respond and every time we try to call they give us a new person who says the person we need is out. 

This is a VA loan as well and they get money for helping us avoid foreclosure. 

Please help us get them to just confirm we can restart mortgage and remove house off auction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 Equifax discovered a hack that exposed my personal information, including name, address, and social security number. I believe this is due to negligence on the part of the company for failing to protect my information securely. They inappropriately and without permission gave my complete credit history to a 3rd party.
Product: Mortgage

I had made an inquiry online regarding a mortgage through LoanDepot. I did not authorize any hard credit inquiry on my credit report as I was not ready for that yet. I received a phone call from an agen from LoanDepot and he walked me through some of the steps and said they would do a " soft credit inquiy '' and it wouldn't affect my score and I agreed since I was not ready to move forward witht the process at that time. 

I never once, on the phone or on line, agreed t a hard credit inquiry and they one! My credit report shows a hard credit inquiry and a softy credit inquiry from them on the same day XX/XX/2023 through " XXXX ''. 

I contacted them regarding this and they are saying that I did authorize this and I absolutely did not. I asked them to pull the recording of the conversaion with the agent to prove this. 

They are saying that I authorized it and have left it at that. 

I did some research on them and it turns out that they do this a lot and I ready many reviewss with the exact same situation as I am in. 

Please help get this off my credit report and fine them and look into their practice of doing this since it seems like it has happened over and over to many other people.
Product: Credit reporting or other personal consumer reports

I recently got a copy of my credit report and noticed that I have fraudulent accounts on my credit report.
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. 

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, has violated my rights. 

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.