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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXXXX/XX/XXXX
Product: Debt collection

ATTENTION TO XXXX  XXXX  I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have never done any business or opened any account what so ever with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company XXXX  XXXX  XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR CREDIT ) have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Debt collection

Professional Account Management LLC ( PAM ) has called numerous times using abusive language for an alleged debt that I have no recollection of. They have also sent said bills of this alleged debt and when being asked in writing to provide proof of such debt, they failed to respond. Attached is a letter dated XX/XX/XXXX in the amount of {$290.00}. As stated before PAM has been asked to cease all communication on XX/XX/XXXX iin concerns with this alleged debt and they failed to respond or follow request. This endeavor has caused me such anxiety and grief in which medical attention has been sought.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed my balance that hadnt been updated in 2 years. Shellpoint then adds two fraudulent 30 day lates one in XXXX and one in XXXX. They never fixed the balance either. Called to have corrected and they were not helpful. Ive never once been late with this company and I have bank records for proof
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has stolen my identity and is continually running credit check EVEN THOUGH I HAVE NOT APPLIED TO THEM OR THEIR AFFILIATES FOR CREDIT. THESE INQUIRES ARE ILLEGAL ACCORDING TO THE FCRA ACT AND I WANT THEM REMOVED IMMEDIATELY. They APPEAR to be doing this to hurt my credit and by continually doing it they are trying to force me to put fraud alerts on my credit report when they are the ones committing the fraud. The FIRST TIME, though suspicion of an inside job I filed the credit report and as soon as the 90 days was up the started again and keep doing it. THE RUNS ARE NOT ACCURATE REPORTING BECAUSE I DIDN & # XXXX ; T AUTHORIZED THEM! I want this to stop and I want it to stop IMMEDIATELY as they were just fined for this very violation. As part of your & quot ; investigation & quot ; please also request the ip address of the supposed application. From the application you can see that no application would submit lacking this much information AND they are using my address which would defeat the purpose of someone trying to get a credit card sent to them. I am being violated and my credit run illegally. MAKE THEM STOP PLEASE! I could NOT submit this information through the " upload '' even though the file was small enough and the person assisting me on the phone said that " any company can run your credit report for business purposes '. and I KNOW THAT THIS IS A LIE. The credit report could be run as part of a backgroud check for a job or as was indicated by the denial letters IF I AM TRYING TO OPEN OR APPLY FOR AN ACCOUNT! I DID NONE OF THAT and per the FCRA these inquiries are ILLEGAL and for the Experian to say otherwise needs to be reported. In addition, I 've found that XXXX has a habit of doing this and just had a class action as a result. It is as if as soon as they closed the class action they started again the illegal pulls using XXXX as a source!
Product: Money transfer, virtual currency, or money service

I AM WRITING TO INFORMALLY EXPRESS MY CONCERNS REGARDING ZELLES HANDLING DISPUTES, PARTICULARLY IN LIGHT OF THE RECENT CFPB LAWSUIT HIGHLIGHTING SIGNIFICANT ISSUES WITH THE PLATFORM. DESPITE USING ZELLE NUMEROUS TIMES REPORTING DISCREPANCIES MY FINANCIAL INSTITUTION AND ZELLE FAILED TO INVESTIGATE MY CLAIMS ADEQUATELY.THEY INFORMED ME THAT RECOVERING LOST FUNDS-WAS IMPOSSIBLE AND THAT TRACKING THESE TRANSACTIONS WAS INFEASIBLE.THE CFPBS FINDINGS INDICATE THAT ZELLE HAS NOT ONLY NEGLECTED TO PROTECT CONSUMERS BUT HAS ALSO ALLOWED REPEAT OFFENDERS TO EXPLOIT THE SYSTEM LEAVING USERS VULNERABLE TO SCAMS.THE LACK OF ACCOUNTABILITY AND TRANSPARENCY IS UNACCEPTABLE AND RAISES SERIOUS CONCERNS ABOUT THIS CONSUMER SAFETY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was/am a victim in equifax credit information breach. Per equifax ' web check system my information was compromised. On XXXX/XXXX/XXXX I was given a future date of XXXX/XXXX/XXXX to enroll in trusted prime ID. A full 5 days after they *acknowledged* my personal information was compromised. 
I have put a fraud alert on my account for the next 90 days but have no idea what the far reaching impact of this will be. The cost for ongoing credit monitoring, the tangle of time for future paperwork/procedure processing. Those are the " easy '' things I 'm going to have to deal with. The cost and time-suck should my information be used is unimaginable to me. 
The exposure of my most vital personal information is my worst nightmare.
Product: Debt collection

I have been in contact with this company for quite some time and I'm not getting anywhere. It si not fair for doctor office to sell your personal health information to collection agency because they failed to bill my insurance in a timely manner. I did have XXXX and XXXX at the time of service with XXXX XXXX, in which they did have have. I've contact 1st Federal Credit and they would not assist me stating they can ' locate my account one minute then the next minute they locate it but can't explain how i owe the bill. They advise me to go back to the doctor office for assistance and every time i contact them i have to leave a voicemail and never receive a call back. They are over charging me and has added this to my credit file. I have 2 charges for {$62.00} and one for {$140.00}. This is getting so frustrate, I also file a complaint with FTC as well. I really need assistance with this. This is fraudulent
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian regarding their failure to conduct proper investigations into disputes I have submitted concerning inaccuracies on my credit report. Despite my repeated efforts to correct the inaccuracies, Experian consistently responded by asserting that the account ( s ) in question were accurate without providing any evidence that a thorough and proper investigation was conducted. This practice is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the FCRA, Experian is obligated to conduct a reasonable investigation into consumer disputes and must ensure that the information they report is accurate. Their failure to provide evidence of such investigations strongly indicates a lack of compliance with these federal requirements. Furthermore, Experians behavior may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) - ( b ), as highlighted in the CFPB Administrative Proceeding File XXXX. XXXX, where similar violations were addressed. 

The actions ( or inactions ) of Experian have caused me undue frustration and potential harm to my financial standing. As a consumer, I have the right to accurate credit reporting and to expect that credit reporting agencies fulfill their obligations under federal law. It is unacceptable for Experian to dismiss disputes without substantive investigation or supporting evidence.
Product: Debt collection

Portfolio recovery XXXX, XXXX filed a lawsuit against me in XXXX county, XXXX when i live in XXXX county even when i had first opened the credit card account which is clearly on all my records where i live. I was not contacted by this firm to at least come to a monthly payment or some sort of payment to reach settlement, instead i have someone from the court come and serve me a court paper stating that i have about to appear in court XXXX and to travel almost 500 miles or to take a plane to appear in court. This is over {$2300.00} not only that they also mention on the lawsuit that they sent multiple letters to my address or address on file in which i never received any of this letters.
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. PLEASE DELETE THE ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX* Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the data breach back in XXXX. Up until the data breach I had a credit score. However, Dating back to XXXX of XXXX, My score was no longer available. And on my credit report it was completely blank. I started contacting equifax about this issue. For a while I was able to login on the user portal and I still had no score. I spoke with a few representatives and no one was able to help me. I was always told to come back. I applied for a loan on XXXX XXXX, XXXX, and was denied to equifax. The denial letter stated, " unable to verify identity ''. I called equifax back that night, and a young man, I was on the phone with him for over 40 minutes. He informed me that I no longer had a credit score nor was I in the equifax database. I told the young man I shouldn't be penalized for something that was done with their system. So he told me that he would charge me {$15.00} for a credit report to help me. If the system does not approve me then I would get my money back. I didn't come up in the system that way because they don't have any information on my behalf. Now, I'm waiting on my refund.
Product: Mortgage

In XXXX of this year I started to receive letters from the mortgage company stating that I was in default on my loan and the terms of the re modification agreement ( Which I can add the scans to this later ). I contacted them to find out how the funds that they had received that I had been sending since XXXX and them placing them in a suspense account were being used because there was a charge of almost a loan payment from the first foreclosure the company tried to initiate ( which my understanding of the HAMP ) they are not supposed to be doing that. So when I noticed it on the bill I contacted them and was informed by an agent of their customer service that the amount I was inquiring about could be paid then or at the end of the loan. So it was not paid because I informed him I would rather it be placed at the end and he stated that was fine. Since XXXX since full payment was not sent on the XXXX even though the contract is supposed to allow me til the XXXX to pay before it is late, these funds were placed in the suspense account. Well in XXXX I started receiving mail stating that I had until XXXX to make a payment of around {$1700.00} or they would start foreclosure proceedings I have contacted them several times via email and have read receipts requesting a break down because the money that to total was placed in the suspense account by them should have at least covered until XXXX given my math, not XXXX like they claim. But they refuse to send any communication through email even though I have authorized them to and they refuse to send the requested information, even though they will send " Service Members Assistance letters '', threat letters to cure the debt, bill statements, suspense account letters, etc. And the reason I ask for the breakdown is because even on their site it does not show the breakdown or what is/was in the suspense account or even have a way for you to see the suspense account. Now they send another letter yesterday contradicting the first stating that I have until XXXX/XXXX/2016 to pay the XXXX they claim I owe or they will proceed with the foreclosure. This company was made well aware before the new modification was made that I no longer received the Social Security Income I did when I took out the original mortgage which is why the due date was for the XXXX of the month with 15 day grace period, but ignored that and any attempt I try to inform them of what is going on. Their modifications are based on income but not things that affect income such as government debt you have to pay back etc. This is a predatory lender and something needs to be done against them before I or hundreds of others lose their home because of this companies illegal HAMP actions, lack of record keeping, lack of providing customers necessary information, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report XXXX XXXX XXXX on my credit report. This company is illegally attempting to collect a debt in the state of Maryland which it does not have a license. Under Section 1692e ( 14 ), it is considered a violation of the FDCPA for a debt collector to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This includes falsely representing or implying that the debt collector is licensed, bonded, or affiliated with any government, or that the collection agency is authorized or permitted to collect debts in a particular jurisdiction where it is not licensed. Therefore, XXXX XXXX XXXX attemptinge to collect a debt from the state of Maryland where it is not licensed, is considered a violation of the FDCPA under Section 1692e ( 14 ).
Product: Mortgage

I originally filed a complaint on XX/XX/XXXX, Complaint Number XXXX and Ditech did not answer the questions asked nor did they provide the correct documents ( which I will attach in this complaint ). The escrow account is still short over {$3000.00}. I am attaching documents that outline the following : 1. The tax payments were taken from my OLD LOAN in XX/XX/XXXX., XX/XX/XXXX., and XX/XX/XXXX, before the closing ( document that was attached to the surplus check we received ) 2. The 2nd and 4th pages of the closing document ( information was blacked out in the letter received from Ditech regarding this complaint ) where {$3100.00} was put in escrow at closing and then taken out of the new account two weeks later. No one notified us from the mortgage company that our NEW loan started out with XXXX in our account.

3. Attached are 3 XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX there were property taxes paid from the OLD ACCOUNT - Loan # XXXX, in the amount of {$2000.00}, which is the amount that we have been missing in both XX/XX/XXXX and XX/XX/XXXXto have the XXXX XXXX correctly reflecting the taxes paid for that year. If you look at all the documentation there were 3 payments made to the tax assessor in the first quarter of XX/XX/XXXX. One from the old account and 2 from the new one.

4. In the letter from XXXX XXXX, Customer Care Mgr. from Ditech, on the first page she states " The Tax Detail also shows that due to the duplicate payment, you paid {$11000.00} in taxes in XX/XX/XXXX, but due to the credit of {$2000.00}, only {$7200.00} in taxes in XX/XX/XXXX. '' This is incorrect since there is no documentation showing we paid {$11000.00} in taxes in XX/XX/XXXX. See attachments for XX/XX/XXXX where there are two XXXX XXXX. One tax payment from the old loan and one from the new loan.

5. The escrow refund check sent to us was SURPLUS from the OLD ACCOUNT. The amounts are not the same from the old account vs. the new one that was set up. We were told at closing that the closing costs INCLUDED the {$3100.00} that is detailed on the closing document on Page 2 ( Attached ).

6. We have repeatedly asked over and over if the surplus check was supposed to be in the new account and Ditech " made a mistake '' then where exactly did all the money go that we paid at closing and can we have an itemized list of costs that total {$8000.00} ( which includes the {$3100.00} escrow amount ). Also, the amount of the surplus check and the escrow amount originally put in the new account are not the same.

Please have DItech look at this case again and resolve our escrow and tax issues. Thanks!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I have identified that is incorrect and does not belong to me. I never authorized this, nor is it a valid reflection of my credit history.
Product: Debt collection

AFNI reported a {$900.00} collection on my credit report without providing me with a notice of my right to dispute.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX  verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

This evening, I checked my credit report and was shocked that there were late payment remarks inaccurately reporting on my credit report. Please check the documents I've sent regarding this.
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX has appeared on my credit report showing as of XX/XX/2023 states original creditor XXXX XXXX XXXX XXXX for the amount of {$3200.00}. I have requested for several months validation of this debt and the original debt the original creditor opened, closed and payment history for the account they are reporting and as of XX/XX/2023 I have received nothing in the mail, text or email. This is a violation of the FDCPA for a collector to refuse to send validation notice or fail to respond to my verification letter. This XXXXXXXX XXXX XXXXXXXX account needs removed from my credit reports as soon as possible.
Product: Checking or savings account

On the XXXX of the month, I was urged by the represenative to scan my ID via my mobile phone. The process would not continue. I was advised to show my ID at a branch bank to verify my identity and complete the process ( I did this on the XXXX after suffering from a leg injury leaving church on Sunday. )