23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I had a home equity loan from Sovereign which was a second loan taken out on our home. The loan was taken out with Soverign and they became Santander. We went through a loss of our business and Chapter XXXX bankruptcy which has been released. Originally, we had made our monthly loan payments directly through our checking account with the bank because they required that it was done that way. After we went into bankruptcy the bank we were informed by our local branch that they would no longer allow us to make payments directly through our account. They did not give us any direction as to how and where we should continue to make these loan payments. So, we brought our monthly check payment to our local branch. After a year or so, the branch stated they could no longer take the monthly loan payments directly. We spoke with the branch manager at that time and we wanted to know why this was no longer allowed. He told us he would " look into it '' and later informed us that it was because of our bankruptcy but we could drop off the check at the branch and they would foward it to the appropriate office. Once we declared bankruptcy, we no longer received monthly loan apyment notices or other information on our existing loan, payments that we made, or loan balances. Since the bankruptcy was discharged in XXXX, we still have not received any information on our payments or loan balances. We do not even know how much we have left to pay or even what our account number is. All of our efforts to go through the numerous different branch managers to find out what was going on have failed. We continue to make payments through the local branch office but only get a handwritten receipt from the bank teller that acknowledges our check payment ( without any account number on it ). This has become so ridiculous but we can not get a straight answer about our loan! The other problem we are encountering is that when we leave our check with the local branch, we never know when it will be cashed. Some months it is in 3-4 days and other months ( like the last XXXX XXXX payment ) it was not cashed for weeks. This has caused us to get into an overdraw situation with our checking account ( from another Credit union ) and we end up paying expensive overdraw fees. We need to get the information on our loan, what we owe, where we should be sending payments, and when they are due and expected to be cashed ( not to mention an account number and documentation of payments received ). 
Please let us know if we can get help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

I trade in my XXXX XXXX on a XXXX XXXX, they already pay off my XXXX XXXX account and they still reporting a balabnce
Product: Debt collection

On XXXX XXXX this company reported to the credit bureaus I owe two amounts. XXXX and XXXX I have never done business with this company and do not know who they are I dont now owe them anything.
Product: Debt collection

I contacted National Recovery Agency multiple times to request basic identifying information for a debt they are attempting to collect in the amount of {$690.00}. 

I spoke with multiple representatives who all refused to provide the account number, citing reasons such as " you'll get it when it's filed '' and " it's needed as evidence. '' One representative told me I would receive the information after court documents were served.

This is a violation of 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, which gives me the right to request and receive written validation of the debt, including identifying account information. 

The most recent agent hung up on me after repeating that I would not receive any information unless legal action was taken. 

This behavior is coercive, deceptive, and designed to intimidate. I have documented each call and will be sending a written debt validation letter as a final step.
Product: Mortgage

Aspen Properties Group LLC offered me a loan modification on XX/XX/2022. Aspen failed to send me the loan modification documents via certified mail as is required by law. Aspen then went on to conduct a foreclosure sale of my home on XX/XX/2022. Aspen is required to send the loan modification documents via certified mail and allow me 30 days to review the proposal. I never received the loan modification documentation from Aspen.
Product: Debt collection

I vaguely remember taking a payday loan in XXXX, I do n't remember the exact year, but I know that I paid off the whole debt. Since it was from a bit of a way back, I do not even have any of the documentation they sent to me and they have not even been in contact with me once in the past 4 years. All of a sudden I am getting calls from " XXXX '' ( Resources Management ) saying that I owe a debt to " XXXX XXXX '' for a payday loan they extended to me ( without my knowledge & without my consent if they even did ) and had old e-mail and bank account information but somehow have my personal cell number which has changed recently AND called my place of work. I did NOT give updated information. When I searched the number and the places of business on google they all come back as SPAM. They have called me numerous times and continue to harass me. I would like this to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Debt collection

DEBT RECOVERY SOLUTIONS DATE ACOUNT OPENED : XX/XX/XXXXAMOUNT OWED : {$570.00} So after receiving my annual credit report I had noticed that this entry DEBT RECOVERY SOLUTIONS has reported to all 3 Credit Bureau 's that I XXXX XXXX owe this company {$570.00} I have attempted to dispute this charge with credit bureaus cause i have no knowledge of this account or where it even came from. The Original Creditor Name to my knowledge according to the Credit Bureau is listed as XXXX XXXX XXXX. I have not been to any Emergency Room sinceXX/XX/XXXX. With the exception of a hand injury at work in which was a work mans comp situation and I was treated at XXXX XXXX XXXX not an Emergency Room. So I am disputing this charge cause this charge was not from me, and I ask DEBT RECOVERY SOLUTIONS to remove these charges from all 3 Credit Bureaus and properly investigate this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany : XXXX XXXX   XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany : XXXX XXXX XXXX Company : XXXX XXXX Date:XX/XX/XXXX BELOW are the Company , Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$53000.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$10000.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$6400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4300.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$5400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4600.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$7300.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

" TRANSUNION AND XXXX  '' CONTINUE TO REFRESH OUTDATED ACCOUNT OVER 5YRS OLD, NOT MY ACCOUNT AND VIOLATES " FCRA/ FDCPA AND FCBA '', BOTH " CRA '' VILATES SECTION 604,607, 611 AND 623 ( a ) ... ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report fraudulent accounts that have been added to my credit report, which I believe to be the result of identity theft. I have already disputed these accounts with the credit reporting agencies, but the fraudulent information remains unresolved, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating this matter and taking appropriate action to have these accounts removed. 

The following accounts are fraudulent and have been reported inaccurately on my credit report : Fraudulent Accounts Charge-Offs : 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 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  Explanation of Fraud I have never authorized or opened any of these accounts. The information provided to the credit bureaus may have been obtained through fraudulent means or identity theft. In addition, there are hard inquiries that I did not initiate, indicating that my personal information may have been used without my consent. 

I have disputed these fraudulent accounts with XXXX, XXXX, and Experian, and have provided them with all required documentation to support my claim. However, these errors remain on my credit report. 

Request for CFPB Assistance I am requesting that the CFPB investigate this matter, as it appears that my personal information has been used fraudulently. I seek your assistance in removing the fraudulent accounts from my credit report and ensuring that my personal data is protected. 

Please find my contact details above, and let me know if additional documentation or evidence is needed for your investigation. 

Thank you for your prompt attention to this issue. I look forward to your guidance on how to resolve this matter.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
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: Credit card or prepaid card

I noticed when I was checking my credit score through XXXX XXXX that someone opened up a Chase credit card account in my name. There's no balance yet. It look like it was open XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following attached disputes keep being disputed with Experian and they are not sending me what I am asking for. They keep coming back stating that they have verified the information but they are not sending me the verification. I have disputed these items several times and they have blocked me from online disputes. They have left me no choice but to file a complaint against them again and further all documents to my attorney. It is against the law what they are doing. Attached is a copy of the letter that I am sending them also attached is a copy of their response to my several disputes. 

Experian sends the same fake responses for every dispute. The last dispute they claimed that verified it in 24 hours but have YET TO SEND ME ANY DOCUMENTATION confirming its my accounts!
Product: Mortgage

After noticing several invalid charges in a XXXX XXXX, XXXX statement, I sent Select Portfolio Servicing, Inc. ( " SPS '' ) a Qualified Written Request ( " QWR '' ) challenging {$670.00} in insurance charges and {$660.00} in eviction charges. Since I have never let my homeowners insurance lapse and have not been evicted, these charges were obviously wrong. 
In response to my QWR, SPS removed over {$5000.00} in forced placed insurance charges and {$660.00} in evictions charges. SPS ' excuse for charging me over {$5000.00} of forced placed insurance was a rescinded foreclosure sale in XXXX of XXXX. 
However, the unlawful sale was rescinded almost immediately and my homeowners insurance was still in place. SPS gave absolutely no valid reason for charging me Eviction Fees and Costs in XXXX XXXX other than " because we can '', and the charges were clearly removed because of my QWR. SPS failed to provide any details for the charges or to identify who provided the " service '' for which I was charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX continues to report XXXX XXXX account # XXXX as derogatory. This account is part of a XXXX bankruptcy ( XXXX ). 

***Negative reporting on a XXXX debt is a violation of the permanent injunction of my bankruptcy discharge. XXXX XXXX, Experian and XXXX is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against Experian, XXXX and XXXX. 

I am requesting that XXXX, XXXX and Experian to CEASE and DESIST their negative reporting of XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$7300.00} XXXX  XXXX XXXX open XX/XX/XXXX {$4400.00} XXXX XXXX  XXXX open XX/XX/XXXX {$19000.00} XXXX XXXX  XXXX XX/XX/XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$26000.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  In accordance with section 605C of the Fair Credit Reporting act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request. Thank you for your prompt attention to this urgent matter.
Product: Checking or savings account

Commencing in XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my TD Bank account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether TD Bank did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety
Product: Credit reporting or other personal consumer reports

I paid this account off in XX/XX/year>. They reported late payment last week. This account is paid and closed. It knocked my credit score down XXXX plus points because of this incorrect reporting. Its been over 5 years since I paid this account off. I contacted the credit reporting department and they said that since it was late during my payment plan, it still reports after it has been paid off and closed. This is false! They havent reported anything since 2019 and just reported incorrect, negative information to two different credit bureaus. Thats not fair! The company is Security Finance in XXXX GA.
Product: Payday loan, title loan, or personal loan

My identity has been stolen and there has been several attempts to get online payday loans using my social security number. The most recent incident was on XX/XX/XXXX with XXXX. I received a credit alert that someone was trying to apply for a short-term loan in my name. I have put a credit freeze on my credit reports earlier this year from another incident with payday loans. I am worried that these attempts at payday loans are affecting my credit. I am also worried that my Social security number is unprotected.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX XXXX  number XXXX ( CLOSED ACCOUNT ) payment late years XXXX. In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters in XXXX, XXXX nd called in XXXX and called all three agencies last evening XX/XX/XXXX about an account from XXXX XXXX. XXXX XXXX has been of no help and I have excellent credit but the inaccurate reporting of this account is detrimental to me. I have asked them to fix and investigate and they either ignored or moved the date of late payment which didn't happen to date of contact. 

Experian says XX/XX/XXXX opened closed paid as agreed but updated last on XX/XX/XXXX XXXX says XX/XX/XXXX opened closed paid as agreed but updated last XX/XX/XXXX XXXX says XX/XX/XXXX opened closed and paid as agreed but last updated XX/XX/XXXX They are ignoring my certified letters to fix this error and most recent inquiry should be as of XXXX. This is only info I have on this account XXXX XXXX XXXX. They are not investigating my complaints and not updating me per US Code 1681. This is hurting my score even though still high and no one is helping or responding
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$280.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$100.00} ), ( Original Creditor : XXXX XXXX XXXX, Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$64.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> **Subject : Dispute Regarding Civil Liability Under 15 U.S.C . 1681o for Negligent XXXX Dear Security Credit Serv, I hope this letter finds you well. I am writing to formally dispute the civil liability imposed under 15 U.S.C. 1681o, specifically regarding allegations of negligent noncompliance with the provisions of the **Fair Credit Reporting Act ( FCRA ) **. 

It has come to my attention that your company has failed to adhere to the FCRA 's requirement to ensure the accuracy and completeness of my credit report. I believe that this failure constitutes negligent noncompliance under the law, as your organization did not take the necessary steps to ensure that the credit information maintained and provided was accurate, complete, and up-to-date. As a result, I have suffered harm, and I am requesting the removal or correction of any inaccurate or incomplete information reported. 

According to FCRA Section 1681o, liability can arise when a company fails to comply with any requirement imposed by the Act due to negligence. I respectfully assert that, upon review, your actionsor lack thereofindicate a clear instance of negligent noncompliance with the FCRA, as you did not take the required steps to ensure accuracy and proper handling of my credit file. 

To resolve this issue, I am requesting the following : 1. A thorough investigation into the disputed information and correction of any inaccuracies or omissions.

2. A written explanation of the steps your company will take to ensure full compliance with the FCRA moving forward.

3. A resolution of this dispute that removes any potential civil liability on my part. 

I am providing this letter as part of my efforts to resolve this matter amicably, and I respectfully request that you address this dispute in a timely manner. Please respond within 30 days from the date of this letter, as required by the FCRA. 

Should you fail to resolve this issue, I will not hesitate to seek the appropriate legal recourse, including reporting the matter to the Federal Trade Commission ( FTC ) and other relevant authorities. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX emergency group has sold my debt from a medical bill it is showing up from two different companies capio partners and XXXX it is appearing as two separate debts and has done XXXX points of damage to my credit report. 

This was a Covid-19 related expense and should have been paid however I am getting the run around and I know it was sent to my Medicaid I also didnt give permission to share my medical information and I feel that it is a violation of my hippa rights