23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX and after a review of my credit report I noticed an account that does not belong to me. I have disputed this fraudulent account multiple times and no one is doing anything about it. The account holder continues to report inaccurate and unlawful information that has become detrimental to my credit profile. I have attached a copy of my Experian credit report displaying each name identifying number associated with me and my credit profile. This company ; XXXX XXXX XXXXXXXX XXXX Account number : XXXX, is not reporting any of these name identification numbers. However they are reporting name identification number XXXX which DOES NOT belong to me at all! This company is also not even reporting an address for this account. PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I discovered multiple fraudulent accounts and inquiries on my credit reports from Experian, Equifax, and TransUnion that I did not authorize or open. These accounts are directly tied to my compromised personal information. 
Despite my repeated efforts to resolve this issue, the credit reporting agencies ( CRAs ) have failed to investigate and remove the fraudulent items, violating multiple federal statutes, including : 1. 15 U.S.C. 1681c-2 Failure to block fraudulent information within 4 business days of receiving my dispute and supporting documentation.

2. 15 U.S.C. 1681b Unauthorized sharing of my personal and financial information without permissible purpose.

3. 15 U.S.C. 1692g Failure to provide written notice of alleged debts within 5 days of reporting.

4. 15 U.S.C. 1681n and 1681o Willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ).

5. 26 U.S.C. 6050P Failure to provide proper validation of any alleged debt, including evidence of cancellation or discharge via Form 1099-C, if applicable.

Harm Experienced : The fraudulent reporting of these accounts has caused significant harm to my financial reputation, including : 1. Denials of credit applications.

2. Damage to my credit score.

3. Emotional distress caused by repeated failures of CRAs to address the issue.

Actions Taken to Protect Myself : 1. Filed Multiple Identity Theft Reports with the FTC. 
o FTC Identity Theft Report Number : XXXX XXXX. Notified the creditor ( LENDERS ) and initiated a fraud investigation. 
3. Placed fraud alerts and frozen my credit reports with all three major credit bureaus.

4. Filed disputes with Experian, Equifax, and TransUnion.

5. Currently in the process of filing a police report.
Product: Debt collection

On XXXX XXXX XXXX, US bank, opened a claim on my credit report for {$880.00}. XXXX years later they closed it and XXXX bought the account and opened a new claim on my credit report on XXXX XXXX, XXXX for the very same amount {$880.00}. It has been more than XXXX years since the initial debt was defaulted. I called XXXX to discuss this situation and i was place on an extensive hold multiple time after i have stated the facts which are : - Same amount was claimed twice on my credit report by US Bank first in XXXX which closed it out in XXXX then XXXX in XXXX. 
- Original debt was defaulted back in XXXX why opening a new claimed in XXXX as if it is a new debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX   CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX
Product: Mortgage

Hello Sir or Madam, In XXXX I made a payment that brought my loan to value amount of the home to a fraction under 80 % and submitted a wavier request to PMI. Upon that payment I was informed that due to the calculated interest at the end of the month the Loan to Value would go above the 80 % by a fraction and denied my request by early XXXX. Upon denial, in early XXXX proceed to add funds to ensure that the Loan to Value would never go above the 80 % and resubmitted in application for removal of the PMI with no response. After multiple attempts and phone/email and speaking with several agents over months my PMI was finally removed the PMI for my XXXX Payment months later. Thus I have been charged unneeded PMI for the months of XXXX to XXXX. I feel my effort in dealing with this issue has been tedious. I worry that if they do this to me, who else it is done to, in other to earn or take a little extra. The PMI charge is XXXX each month. Chances are the issue will be resolved in two weeks, ( their response rate, if they respond ), but the effort required has already me issue a formal complaint. The company in question is Flagstar Bank. 

Best regards, Concerned Citizen
Product: Credit reporting or other personal consumer reports

To whom it may concern : I received notice that you verified certain tradelines on my credit report from the following companies : XXXX XXXX XXXX acct # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX  XXXX # XXXX, XXXXXXXX XXXX XXXX Please tell me how you did thay.Who did you talk to at the XXXXXXXX XXXX XXXX XXXX did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address / phone number on my report? The FCRA says you have 15 days and dont give me the generic response of how you various methods. With the person full name you spoke too. 
ALSO WHAT IS THE DATE OF THE COMMENCEMENT OF DELIQUENCY? THE ORIGINAL CREDITOR IS REQUIRED TO GIVE THAT TO YOU.AND WHEN WILL THESE TRADELINES BE PAST REPORTING TIMEFRAME NOT THE GENERIC ANSWER LISTED ON THE LAST RESPONSE.TELL ME SPECIFICALLY AND WHEN WILL THEY BE REMOVED.MAJORITY OF THEM REPORTING CHARGE OFF AS WELL AS BEING INCLUDED AS LATE PAYMENTS .WHICH ONE IS IT?
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS./ 15 U.S.C 1681 SECTION 602 A. STATES | 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
Product: Mortgage

My mortgage was current and then we had the government shutdown. Pennymac Sent me a letter advising I did not need to make payments. I relied on their letter and was unable to catch up but I did continue to make payments after they said I needed to start paying. Pennymac made statements in the letter that they did not honor.

( 1 ) " The forbearance plan will end XX/XX/XXXX at which time we will contact you to reassess your current circumstances and provide information on alternatives that may be available to you. '' - Pennymac never contacted me.

( 2 ) " At the end of the forbearance period, Pennymac will work with you to repay the amounts not paid during your forbearance period. '' - Pennymac has refused to work with me.
( 3 ) " We can review you at that time for an additional program to help bring your loan current, all according to your individual circumstances '' - This never happened.

Pennymac must have grown tired of the account remaining delinquent so they put me in Foreclosure. I never received a letter of intent to proceed from Pennymac. They put me in foreclosure and never formally notified me of such. They never provided me with a sale date. In fact when I asked for a sale date, they mislead me and tell me they don't know. I have called back 3 times to get a sale date and nobody knows ( so they claim ). I have to assume the sale date is XX/XX/XXXX since that is the next auction date. 

Steps I have taken : I have called Pennymac at-least 5 times to work this out voluntarily with them. Each time they refuse to accept payments. They told me the only way to get a repayment plan is to apply for a loan modification. They knew I did not qualify and they were having me apply for something they knew I would never qualify for. During the review of the modification, I lost my eligibility for a repayment plan because my account went over 5 months delinquent. I offered to pay and bring the delinquency down and they refused to accept payments. They are putting me in a position where I am going to loose my home. They are not trying at all to help me retain ownership of my home. Maybe one of their executives wants it. At any rate, they have violated FHA Servicing Guidelines and I am the one that will loose my home.  This should be illegal. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law. They are also reporting duplicate accounts to the credit bureaus as well.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Credit card or prepaid card

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Signed up for services and then had financial problems advised no longer wanted the service. This company claimed they submitted dispute letters on my behalf to date have not received any proof of dispute filed. I unauthorized them from taking money from my credit card and they are still attempting to take it
Product: Credit card

I had a Wells Fargo credit card. I was making monthly payments automatically. After some time, I noticed that Wells Fargo was charging me late fees. When I inquired, they said they had n't received my payments on time. But my receipts from XXXX show that the automatic payments came out of the first or second of every month ; therefore, I should never have been charged any late fees at all. When I called Wells Fargo on multiple occasions, they offered to remove only XXXX of the XXXX late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE INQUIRIES ARE FRAUDULENT, I NEVER APPLIED FOR THESE ACCOUNTS ON THESE DATES, MY INFORMATION MIGHT HAVE BEEN IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Credit reporting, credit repair services, or other personal consumer reports

BUSINESS ACCOUNT BEING REPORTED AS PERSONAL ACCOUNT XXXX XXXX XXXX {$6800.00} out of {$8000.00} Opened XX/XX/2020 ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The charges occurred on XX/XX/XXXX in the amount of XXXX to a XXXX XXXX. I replied ( XXXX ). I received a call from a number XXXX I was told by the representative XXXX XXXX is trying to receive a payment through Zelle in the amount of XXXX and they only way he can't receive my money if I reverse the payment back to me using my XXXX account once I did that my money was out of my account and the representative hung up the phone. I tried calling back no response. I then called my bank in file a complaint with no luck they said it was nothing wrong a few days later it seems like I'm out of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge-off on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I have attached a copy of the police report filed on XX/XX/2018. This false reporting of a collection/charge-off that does not belong to me is seriously harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is directly with Experian. I have been working tirelessly to improve my credit. Can you explain to me how my credit score lost 30 points after I paid off IN FULL a collections account IC Systems!!! My score should have gone UP 30 POINTS!!! NOT DOWN!! I should clearly be over 600 points on my FICO Score with Experian! Is there anyone else paying off debts in this pandemic!!!! 
Experian is notorious for bullying consumers into low credit scores and using scare tactics to purchase their products to raise scores. You are manipulating my life with this score!!!!
Product: Credit card or prepaid card

Received email on XX/XX/2022, stating that my credit limit would be decreased. Amex said that I could avoid the credit limit increase by paying {$1600.00}. I telephoned Amex, and spoke to 'lending department ' ( based in XXXX  because there are no US representatives for lending ). Representative stated there were no late payments in last year ( stated he could not go back further in time ), and no negative comments ; " account in good standing ''. 
I stated that I perceived the email as a 'demand letter ' for a payment of {$1600.00}. The representative denied that it was, stating that I could avoid the reduction in credit limit if I paid {$1600.00}. 

PS. I have looked for email ( in computer trash ) and can not find it. I will keep looking.
Product: Credit reporting or other personal consumer reports

I sent a request was told it was validated when Ive done it beginning of yesterday and late last year my information was part of a data breach and now Im getting g numerous inquires in my credit account showing late accounts I dont even have and its messing up my credit I work in the us but travel and have no address but a o box yet I have numerous apartment debts. Ive lived in hotels or corporate housing for the last 10 years and Im getting all kinds of alerts of name miscalled companies Ive never worked for I use my brothers address for my DL to get it and I do g live there but there are all types of inquiries to cars and everything
Product: Debt collection

The finance company, wells Fargo auto dealer services is using my nonpublic personal Identifying information to include my social security account number WITHOUT my express consent or authority. I specifically deny and object to liability on account stated as rendered no. XXXX as I am not a debtor but a Natural Person who acquired " Consumer Goods '' to be used primarily for Personal, Family, or Household Purposes. The three major Credit Bureau 's by law is directed to removed said inaccurate information as it causes the " Consumer '' undue hardship by reducing my lending/selling ability and purchasing/buying power through commercial disparaging to which Identity Theft conversion of property. Wells Fargo Auto Dealer Services changed my character from Principal/Consumer/Supplier/Issuer/Accounts payable to borrower/debtor/ Accounts receivable and assume my Identity to sell commercial paper in my name. Criminal Fraud has no statute of limitations and I will defend against any Corporations, Individual, Private Entities that is affiliated with the U.S. government or Not affiliated, and I will seek my remedy and stand up for nn my Rights. 18 USC part 1 lists all crimes a d if found guilty could face up to prison time as well paying for the penalties.
Product: Debt collection

My paycheck is being garnished for a debt that is unknown to me in the amount of {$4400.00} ( this included fees ). I requested information from the Plaintiff attorney, however they did not comply. I was told they could not tell me and I had to pay. Basically they were not very helpful. I received the garnishment papers from my employer on XX/XX/2018. I called the Plaintiff attorney on XX/XX/2018. I attempted to request a hearing, however I did not have the funds to pay to request the hearing.
Product: Credit reporting or other personal consumer reports

Earlier this year I took an overall look at my consumer report and noticed information and several accounts that doesn't belong to me. In XXXX I then notified Equifax regarding the information that's being reported asking them to do an investigation. They replied that the information listed in my dispute letter was verified accurate in which they're not. In accordance of 15 U.S. Code 1681- Congressional findings and statement of purpose, Equifax must report accurate information to my consumer report. I am aware that anything that is either inaccurate or unverifiable must be removed from a consumer 's report immediately. When I asked Equifax to investigate the information I asked them to include any documentation with my signatures or agreements to authorize them to report in which they failed to send me any form of verification. I also reached out to the creditors asking them to verify any debt in which they haven't. By them reporting these inaccurate accounts my credit score is being negatively impacted impairing my ability to obtain relationships with any potential lenders or housing situations needed for the daily living. The creditors have been calling my phone constantly seeking a debt that doesn't belong to me which i'm aware is against the law pursuant 15 U.S. Code 1692c - Communication in connection with debt collection.

Violations committed by Equifax & the credit bureaus 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection
Product: Student loan

I have been submitting payments to Sallie Mae. However, they keep sending me letters saying that the Account has not been found. Then, they send me overnight letters stating that my loans are about to default, despite me trying to submit payments. 

If the accounts can not be found, they can not default. If they will not accept payments, they should not be allowed to let the loans default, sell them, and profit off of my suffering.
Product: Debt collection

I was receiving harressing calls and home visits from Tower Loan and wanted their collection actions stopped. I asked my wife to calk and tell them to communicate to me only by mail. So she called in late XXXX of XXXX. She called Tower Loan and spoke to a male. She told him that I am demanding that they stop all communication calls to me, family, friend, neighbors, Place of employment and not to come to our home. She told him that the only communication that is wanted is via mail. She was told that the only way to stop receive that request it would need to be in writing. So on XXXX XXXX, XXXX I wrote a Cease and Desist Letter ( letter and certified mail receipt and delivery receipt will be down loaded ). On XXXX XXXX, XXXX a XXXX XXXX signed & printed her name on the delivery section. On Friday XXXX, XXXX my sister called me and said she received a voice message from a XXXX telling her to have me call him at XXXX. She then forwarded me the voice message. I was very upset by the collection call because I felt that my consumer rights were violated. At around XXXX on XXXX/XXXX/XXXX I called the number and spoke to XXXX XXXX. He said that I owed over XXXX XXXX dollars. I then told him that I would be in tomorrow morning to pay it. After getting off the phone I talked to my wife and told her that my rights were violated and that I have been harressed and something has to done to stop XXXX XXXX and Tower Loan! I then instructed her to call Tower Loan and record the call. My wife and I were lied to by XXXX XXXX. He told her that his notes said that my letter said not to call or Mail anymore which was a lie. She told him that he was harassing us and then he said that we were harressing him and then theatened us by saying we were refusing to pay and proceeded by hanging up the phone. She then called him back and he admitted that he called my sister and left a voice message with his name and number and asked to have me to call him. My wife then began to read him the certified mail receipt letter to him. He then said that he was going to send my file over to his attorney 's office and sue us. He said that it does n't matter what I pay he 's still going to send my file over to an attorney. XXXX XXXX then made a slandering commit to my wife. He told her that if she would stop spending my money that I probly would not have this problem. He then said to her " why am I even talking to you, your not even on the account. Then said that he was going to file a law suit on her and hung up. Both phone calls were recorded. First recording XXXX/XXXX/XXXX XXXX cst and 2nd recording at XXXX cst.