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

Under penalty of perjury I do by del are the the following is true and accurate to the best of my ability XXXX, EQUIFAX and XXXX are not credit reporting companies evidenced by their Licensing and Disclosures so there for are acting unlawfully and without my consent in all matters. I have called, written, disputed debts, inquiries, accounts, and have even tried to opt out of all services, I have given instruction to remove all unverified inquiries, accounts and to verify debts but when asked how they verified nothing was produced. 
Furthermore, I have no contract nor agreement nor have I given any consent or instruction for the furnishing of anything to my credit report. I am demanding equitable remedy of {$1000.00} for these violations per law for each unauthorized inquiry and for the company to release to me documents, accounts, all information held by the companies named herein, I am allowing only the minimum allotted amount of time proscribed by law to respond, settle, and cease and desist this will be my last attempt at handling this matter outside of federal court. And violation of civil rights there is no special immunity. Notice to principal is notice to agent and notice to agent is notice to principal. All debts are obligations of the United States and XXXX upon payment dollar for dollar so therefore reporting or attempting to claim I XXXX XXXX XXXX the living man and Beneficiary to the XXXX XXXX Trust XXXX XXXX XXXX, XXXX which the State is Trustee/ Fiduciary is in direct violation of the constitution, UCC, Identity Theft among much more that the company will be provided with if my respective issues are not handled correctly and in good faith. 

Memo HJR 192 UCC1-308 12 USC 411 L93-406 UCC 3-104 8 USC 1182 48 USC 1421b 5 USC 5582 UCC 3-419 These laws are provided as to assist whomever must be informed as to claiming false debt and obligation and fraudulent contracts and the like thereof.

15 USC 1681b states consumer must give consent for furnishes to credit report. So I demand company provides such evidence as to my consent authorization for any furnished information.

15 USC 1681a ( 2 ) ( B ) states the consumer report does not include authorizations or approvals of specific extensions of credit.

Any Loan or Credit card reporting information to a consumer credit report is in fact a specific extension of credit.

15 USC 1881 ( a ) ( i ) states that transactions between consumer and person making report are NOT included in reports.

I chose to not send any documentation that I may have as the companies have their own records of my letters and calls and online disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC VIOLATON WRONG SOCIAL ALL REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 604 A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Accounts/Accounts # 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: Checking or savings account

I reached out to Current regarding multiple unauthorized transactions on my account on XX/XX/year>. They initiated a dispute on XX/XX/year> after sending me the same questions I answered over 5 times for an entire week trying to postpone the start date of the dispute, but denied my provisional credit on the due date, XX/XX/year>. I've asked for concrete evidence that these charges were mine, as I'm certain they're not. After several attempts, they sent documents with baseless claims like " Disputed transactions are payments to Customer-controlled account, does not fit fraud pattern, Transactions fit spending pattern. '' I responded to Current, insisting on reopening the case because : None of the accounts in question are under my control. 
The transactions don't match my usual spending habits. 

I provided proof of unauthorized access due to my stolen device and showed that I had to recover my accounts through support. I also demonstrated that I've never shopped at most of the merchants listed before, and for those I had, it was through my stolen device which I couldn't access without help from support. 

Moreover, I submitted a police report, communicated with merchants who confirmed discrepancies, and provided evidence like hospital records for times when charges were made. Despite this, Current has not presented any evidence to back up their claims or reopened the dispute with new evidence. 

On XX/XX/year>, I submitted new information and requested the dispute be reopened, but communication from Current has been unhelpful and repetitive. I'm seeking clarity, evidence from them, and a refund for the fraudulent charges totaling {$4500.00}. All charges were made online, some shipped to an old address, and I've even provided my current lease agreement as proof of my actual residence. Despite the overwhelming evidence I've supplied, Current has yet to provide any proof or resolve this issue.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house when it was brought to my attention that there was negative items on my Credit reporting and according to the 15 u.s.c 1681 law there should be no damages put on my report! the is defamation to my character.
Product: Credit card or prepaid card

I received a text message from XXXX stating my credit card was charged XXXX. The message said to call XXXX. When i did they had me down an app called Anydesk. They had me go into my XXXX account, had me apply for a credit card then was trying to have me send {$500.00} to XXXX. I then hung up the phone and deleted the app off my phone right away
Product: Credit reporting or other personal consumer reports

I had requested an Investigation against the Hard Inquires on my credit report, they got back to me with several documents stating they have removed the Hard Inquires off my credit report. I had to check my credit report once again and noticed they are still on my credit report and have sent them several letters requesting them to fulfill their promise based on their documents that they would remove the Hard Inquiries as there should only be a total of 3 Hard Inquiries on my report.

I have filed now several complaints and they are not removing the Hard Inquiries even though they state they DID remove them, but they did not. I need these removed and would like proof that they really did remove them VS saying they are going to do it.

This is wrecking my credit by keeping these fraudulent Hard Inquiries on my credit report. I need them removed ASAP.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX* Balance Owed : {$3.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent deletion of fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of a data breach that resulted in identity theft, and the information listed below does not belong to me. Under 15 USC 1681c- 2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be blocked and removed from my credit file.

Fraudulent Accounts XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$2600.00} XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$3100.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$480.00} XXXX XXXX XXXX  - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$2500.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$10000.00} XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$3000.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$610.00} XXXX. XXXX XXXX  - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$6100.00} Unauthorized Inquiries XXXX. XXXX - Inquiry Date : XX/XX/XXXX
Product: Mortgage

Dates of Attempts to Resolve with NationStar D/B/A Mr. Cooper XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 2024
Product: Money transfer, virtual currency, or money service

My account was closed without my funds being released or cashed out to me. I could not regain access to my account. I was constantly told to reach out to Cashapp customer support, but they were no help and didn't help me access my account or funds.
Product: Checking or savings account

On XXXX XXXX I ordered a XXXX  for XXXX to the hospital. My card was changed XXXX followed by the XXXX. I immediately contacted cash app and informed of the error and was instructed to wait til Transactions posted and to call back and file a dispute. Once transaction posted I called to file dispute and it was denied Ive provided all proof of duplicate transaction and that I did not authorize XXXX transactions.
Product: Credit card or prepaid card

I am angry that Citi and XXXX XXXX XXXX, bailed out with my tax dolkars, are engaging in social engineering and anti-constitutional practices by refusing to do business with perfectly legal XXXX manufacturers. 
Because they accepted tax dollars to cover their mistakes the are now semi- public companies. 
Their actions should be sanctioned by regulators
Product: Student loan

I was called by the number XXXX and was requested my social security number to gain access to my account and then was told they could not gain access and was then forwarded to a dead line. How can I protect my social number now or will they be able to use it to create fake credit accounts.
Product: Mortgage

Nationstar Mortgage out of XXXX, TX was paying the incorrect amount to FHA/HUD for my PMI. They have adjusted the amount of my PMI insurance drastically without being able to give me an explanation as to why. I contacted my local HUD dept and was given the amounts of my PMI monthly payments and they have not changed. My loan is only XXXX years old. The PMI is part of the loan schedule and slowly goes down, not up. When trying to discuss this issue with NationStar they transfer me from person to person and no one can help me. I 've litterally been on the phone with them for about XXXX hrs. No one will help me.
Product: Credit card or prepaid card

There was a cash back rewards program added to my online account while I was reviewing transactions. I did not ask for this cash back rewards program. I believe it is stealing money from the account. Please check the html coding inside of the rewards box.
Product: Credit reporting

I have been trying to have Equifax remove XXXX satisfied public records/Judgment. XXXX Credit agency has removed the XXXX satisfied judgments totally from my report but, Equifax Still holds, displays & advertises that said judgments as Public collections on the credit report. I have been trying to repair my credit but Equifax needs to remove this displayed satisfied judgment. We are looking at a satisfied judgment from 2010. I believe It has passed the statute of limitations for sometime now & needs to be totally removed from my report. Please help me with this problem. And thank you in advance for any considerations to this matter. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, I have disputed these accounts/ bankruptcies numerous times and this fraudulent address that is incorrectly showing on my credit report. I have not choice but to obtain a lawyer to resolve this situation. Not only have I sent in a FTC Identity theft affidavit, a copy of my passport, and a utility bill and still receiving the same results " VERIFIED ''! I did not send you this information to be verified I stated for you to " INVESTIGATE ''. Verified and Investigate have two separate meanings. The address XXXX XXXX XXXX, XXXX Ohio XXXX of course will be correct because I'm sure the address exist in the United States but do the address belong to XXXX XXXX of XXXX XXXX, Nevada NO IT DO NOT! I have reached out to Ohio bankruptcy court only to know for a fact they do not verify and information on the phone nor via email to anyone including 3rd party agencies which is what you fall under so for you to state you verified this information is FRIVILOUS! The bankruptcy courts do not provide full social security numbers so to take the last 4 of someone social security number and decide to attach it to someones credit is ridiculous. E-oscar which is a number system that you use, you do not speak with any human for this software program nor is there a phone number where you can call and speak with a human. I have also reached out to these credit companies myself only to not get any information from them bearing my signature stating I will be responsible for these accounts. These credit card companies do not have no copy of a credit agreement with my signature, no utility bills, no copy of my passport NOTHING! 

These accounts that do not belong to me are : XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Close XXXX HL Reported : XX/XX/XXXX Open The burden of proof is not on the victim of identity theft it is on the credit card companies to prove we own the account. Any one can verbally say something belongs to someone but without some sort of physical documentation with someones signature there is no proof. I did not call these creditors and give them my address to update in there system on an account that do not belong to me so if they have my Nevada address this is considered malicious fraudulent activity some of them asked for correspondence purposes only to clear up this issue. The XXXX XXXX XXXX address was removed from transunion then put back on without any knowledge to myself. I have tried to rectify this problem but transunion would rather be sued again and pay more money to me ( the consumer ). 

Remove immediately the XXXX address, the bankruptcy and the accounts that were not validated! I do have a consumer attorney and I sent this dispute via certified mail to make a papertrail to take transunion to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordense with the fair credit reportact, the list of accounts below has violated my federlly protection consumer rights to privacy.an comfidentiallity under 15 u.s.c 1681 XXXX  XXXX accout number 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  {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts has violated my rights 15 u.s.c 1681 sec 602a states i have the right to privacy 15 u.s.c 1681 section 604a states that a consumer reporting agency can not use account without my written instructions 15 u.s.c 1681 c ( a ) ( 5 ) no consumer reporting agencies may make any consumer report containing any of the following items of information. any other adverse item of information, other then records of conviction of crim which antedates the report by more the sevsen years. 
15 u.s.c 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information related to a consumerto any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax received dispute requesting fraudulent activity initiated by the following creditor ( s ) in result of reinvestigation submitted XX/XX/XXXX both creditors retaliated and  neglected to to resolve over 3 years ago. 

XXXX XXXX XXXX monitors my credit file as if I provided them free access. XXXX XXXX XXXX begin reporting to Equifax in result of an XXXX   reinvestigation against their company reporting an account disputed, closed, and removed from Equifax and XXXX. Equifax allowed XXXX XXXX XXXX to update my consumer file after an alert was provided stating a payment was late to XXXX XXXX XXXX in XXXX for one month. Equifax begin reporting to third parties on behalf XXXX XXXX XXXX I owe XXXX XXXX XXXX {$340.00} and failed to pay since XX/XX/XXXX. 

Equifax updated another derogatory account disputed over 3 years ago with XXXX XXXX XXXX XXXX pertaining to a fraudulent transaction involving a business check deposited by XXXX XXXX XXXX XXXX connected to this said account which my now adult daughter is connected to that account in good standing. On behalf of XXXX XXXX XXXX XXXX whom continues accessing and monitoring my consumer file in a fraudulent manner Equifax continues updating FP status that did not exist on consumer file at any time prior to XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

After being underwater for 8 years in my condo and struggling financially, I was finally able to apply to refinance my mortgage in XXXX XXXX. The refinance date was scheduled for the end of XXXX. However, in XXXX the bank attorney, XXXX XXXX, contacted me by phone to say that there was a problem with the title to my condo. He informed me that he was in the process of contacting Nationstar Mortgage to resolve this issue. On XXXX XXXX, XXXX ( see attached ), he contacted Nationstar legal department via email. After no reply from Nationstar he tried contacting them by phone multiple times with no response. 

On XXXX XXXX, XXXX, ( see attached ) Attorney XXXX sent me a letter stating after multiple attempts he has not been able " to secure the missing assignment in your chain of title, '' as noted in his XXXX XXXX, XXXX letter to Nationstar. Please note at the bottom of Attorney XXXX XXXX XXXX, XXXX update letter to me, he stated that he " received the enclosed response from Nationstar ( XXXX XXXX, XXXX ), which states that I should hear back from them XXXX XXXX, XXXX. I have patiently called them and emailed them on numerous occasions without any success. Unfortunately all we can do is continuously request the missing assignment. You should do the same and call Nationstar at ... '' It should be noted that Attorney XXXX was stating this because of Nationstar 's lack of a timely resolution which was jeopardizing the rate I had locked in. 

In XXXX XXXX, I purchased my condo through XXXX XXXX XXXX. In the fall of XXXX, I was notified by XXXX XXXX XXXX that they were transferring my mortgage to Nationstar. In XXXX XXXX, I started to be billed, and made my mortgage payments to Nationstar. Please note : In the attached files that " XXXX XXXX '' is mentioned ... I have no idea where that came from because I had never heard anything about XXXX XXXX during the mortgage transfer. 

After buying at the height of the market in XXXX, and not being able refinance for 8 years because I was under water, I am learning that there 's a problem with the title ... I do n't understand how this could happen. I 've always paid my mortgage on time with never being late. This issue is significantly impacting my financial future. I am in my XXXX, and have 20 years left on my mortgage as it stands now. With the refinance opportunity I would be able shave off 5-years and lower my monthly payments by {$150.00}. Furthermore, with this title issue, I 've learned that my condo can not be sold. 

Personally, I have called Nationstar multiple times at ( XXXX ) XXXX to see if I could get them to accelerate the resolution to this issue. I have requested to speak to supervisor/manager and have been denied by the woman who answers the phone. I only know her name as " XXXX. '' At one point when I was in tears, I insisted to speak to someone other than her. She absolutely told me that I could not speak to anyone but her. 
I am hoping that you will be able to help me with this situation because I am desperate and running out of time.
Product: Money transfer, virtual currency, or money service

On XX/XX/2025, I requested a balance transfer from Capital One to XXXX XXXX in the amount of {$100000.00}. This amount was debited from my Capital One account on XX/XX/2025. However, due to system outages on Capital One 's systems, this money did not arrive in my XXXX XXXX account until XX/XX//2025. I believe that Capital One should be paying the interest on this amount for the six days that their systems were affected. Interest Rate of Capital One is 3.80 %, so Capital One should pay me : XXXX * 3.80 % * ( 6 days / 365 days per year ) = {$65.00}. 

I have called their service line on XX/XX//2025 and they have refused to take responsibility for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed serveral collection accounts on my credit report multiple times. This company continues to " Verify '' the debt, however, provides me with no proof. In addition, I contacted the collection agencies, and either received NO response, OR they are Unable to provide me with Validation or Verification, OR they send me a Completely Different person 's medical information. How are they continuing to report inacurate defamatory information and on top of that, violate someone's HIPAA rights? 

I have attached a confirmed deletion letter from XXXX, an example of the UNABLE TO LOCATE responses I have received from the collectors,
Product: Checking or savings account

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 /ACCT # XXXX 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 knowns or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I never authorize anyone to use my personal information to agree with any terms your company may allegedly have.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns of Zelles handling of disputes, mainly in the light of CFPB lawsuit. Besides using Zelle, plenty of times, Zelle failed to investigate my claims adequately. They informed me that getting back my lost funds was impossible and that tracking was unavailable.