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

I am writing to formally request the removal of several unauthorized accounts and credit inquiries from my credit report. I have been a victim of a data breach that compromised my personal information, and under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries blocked and deleted. 
Unauthorized Accounts XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXXXXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX XXXX  - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXXXXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$770.00} XXXX. Bankruptcy - XXXX # XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments.
Product: Debt collection

I recently checked my credit score and found some damaging items listed on my report. The following accounts are not mine and I did not authorize these to be on my report. Please investigate and removed them immediately : Previous Address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to sign up for an account with XXXX, but it told me PNC had changed their policy to prevent linking with that bank when I tried to link my PNC account.
Product: Bank account or service

Earlier this month Wells Fargo Bank froze and closed my checking and savings account due to suspected fraud because my boss had me deposit some checks for him. Rather than the bank notify me or simply reject the deposit they have closed my accounts without releasing the funds and reported me to XXXX for suspected fraud. Since this occurred My other bank closed out my checking account and the new bank I tried denied me. I want this removed from the system somehow as it was not fraud and I am not in a financial position to hire a lawyer to sue them for all of the harm this is causing as I can not access my money that was in the accounts and have not been able to receive my payroll as there is no bank to route it to. Please help me I do not know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to validate the below debt and remove it from my credit report. 
In XXXX an Item with Account XXXX XXXX XXXX XXXX XXXX for XXXX XXXX University was placed on my credit. I immediately disputed the debt with XXXX as well as the credit agencies and It was removed from my credit report. I also contacted XXXX directly and told them I have never attended XXXX XXXX University. They stated that according to their records I was set to attend one class to start my XXXX and never paid. I told them verbally that I never attended XXXX and that I inquired about the degree but never signed any documents. They claimed they would look at it. I also sent them a certified letter requesting all of the documentation for the debt. They first replied back with an envelope and form letter with nothing else in it even though it stated they had attached information. To this, I called and wrote another letter. Then they replied back with an agreement that did not have my address on it with no signatures and initials on the document that looked nothing liked my signature. I wrote another letter and called again. This time I received no response. In XXXX XXXX placed the item back on my credit. 
1. This is not my debt.
2. They have no proof this is my debt 3. They have failed to contact me prior to placing this item on my credit. This is a violation of FCRA Section 809 ( b ).
4. They have failed to notify me per FCRA five days before replacing the item back on my credit.
Product: Mortgage

I submitted a mortgage application to the XXXX XXXX branch of Citizens Bank located in XXXX, NY in XX/XX/XXXX. The mortgage broker for Citizens sent me a closing cost estimate and embedded into the estimate a full point without disclosing to me he was doing that. It was clear he did so in order to lower the rate and become more competitive with other lending institutions I was talking to. It turned out that the cost of the discount point was more that the interest I would have saved if I had taken his rate. When I complained to the branch what he had done the branch negated his action as unimportant.
Product: Debt collection

THIS COMPANY STARTED HARASSING ME FOR THE SECOND TIME AFTER I HIRED XXXX XXXX  TO HELP ME CLEAR UP MY CREDIT. THEY HAVE BEEN TEXTING SEVERAL TIMES A DAY EVEN THOUGH I HAVE OPTED OUT OF TEXTS SEVERAL TIMES. THEY ARE ALSO CALLING ME SEVERAL TIMES THROUGHT THE DAY DURING MY WORK HOURS. I HAVE ASKED THEM TO STOP CALLING MULTIPLE TIMES. I ALSO ASKED THE NAME OF THE VISIT LAST TIME THEY CALLED AND SHE REFUSED TO TELL ME. I ONLY FOUND OUT THE NAME OF THE COMPANY ONCE I CALLED THE NUMBER BACK BLOCKED AND ASKED FOR THE NAME. THEY STATED THEY REMOVED MY NUMBER FROM THE CALL LIST BUT, THIS HAS BEEN PROVEN TO BE A LIE IN THE PAST. I HAVE ALSO ASKED FOR PROOF OF DEBT BE SENT TO THE ADDRESS ON FILE NBUT HAVE NOT RECIEVED ANYTHING.
Product: Debt collection

I just found out about the Consent Order vs. Portfolio Recovery Associates , LLC. They sued me for a ( should have been ) Time-Barred Debt. 

My problems with Portfolio Recovery Ass. 
mirror nearly everything in the Consent Order that they were guilty of. 

I tried to go it alone at first. During the first day I went to court ( XXXX XXXX, 2013 ), they said I had been mailed a " Request for Admissions '' and I had never responded and no response means I said yes to the questions. I do not recall ever getting this, nor does anyone in my household ( and I stated so in court ). 

I receive other peoples mail in my box at least once a month. I can only assume that some of mine may go elsewhere too. 

I hired a lawyer to fight them in court, but we lost due to the " Request for Admissions ''. 

Many of the violations listed in the Consent Order, match up with my experiences with Portfolio Recovery Ass. 

1. Errors in the " Sale File '' including wrong account totals, page from a different account, no account level info. 

2. They did not investigate when I disputed the validity of the debt ( even in writing ) about having never made a payment. 

3. Called my phone at all hours, many times a day. 

4. Referenced legal action before any had begun. 

5. Only had " Request for Admissions '', could not provide any proof. 

6. Trying to collect on a Time-Barred account. 

I am sure there are more in the XXXX page Consent Order, but I think this shows how I was treated. 


I have not paid or said I would pay anything on the account, so I do not need/qualify for that part of the Redress. 

I did have to miss several days of work, hire a lawyer, do tons of research and backtracking to try and prove the SOL had passed, causing much XXXX ( I obsess ), worry and marital strife. 

I will attempt to attach a timeline of some events and a copy of my lawyer 's motions What I need to know, is how do I go about getting the Judgment dropped, my Credit record cleaned and my Legal fees recouped?
Product: Checking or savings account

I have asked Axos Bank to close my checking account since I have no use to it. They told me that it would be closed in a few days. However, Axos Bank has not closed my account
Product: Debt collection

In XXXX I returned a vehicle that I was leasing for the purposes of driving for XXXX which was originally leased through XXXX XXXXXXXX XXXX later sold to a company named XXXX, the vehicle was returned to XXXX with no infraction to the contract, and no deficient balance. 

I have been registered at my previous address and at this address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or Rock Creek capital LLC. I was notified by mail by XXXX  XXXX XXXX on XX/XX/XXXX, with a letter dated XX/XX/XXXX, regarding an alleged debt. I have reason to believe I do not owe this debt because I paid on time every month and I have never been contacted in any form by Rock Creek Capital , LLC or XXXX or XXXX XXXX about a balance. 

I verified my account was in good standing before and after closing the account with XXXX XXXX. 

I have never been contacted in any way by XXXX XXXXXXXX since closing the account. I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XXXX. 

I certified mailed a validation letter which was postmarked XX/XX/XXXX, and XXXX XXXXXXXX XXXX received it on XX/XX/XXXX. 

I did not receive a response until XX/XX/XXXX, with a settlement letter dated XX/XX/XXXX, from XXXX XXXXXXXX XXXX. XXXX  XXXX XXXX never validated the debt. 

I contacted XXXX at XXXX a number thats located on their website at XXXX XXXX XXXX XXXX said they do not have my records and that XXXX XXXX XXXX bought the company and I should contact them. I was given the following information https : //www.rockcreekcapitalllc.com/, XXXX XXXX or XXXX. Rock Creek Capital is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two. XXXX XXXX XXXX is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor " XXXX XXXX XXXX '', which was bought by XXXX. 

I have never been informed of a transfer of debt or existence of debt with any of the aforementioned companies, except the attempt at collections by XXXX XXXXXXXX XXXX. 

I have records of my original lease and all of the transactions from the original lease. So, I am asking to file this complaint against XXXX XXXX XXXX whom I believe is representing either a company or a debt or both falsely, or that they simply do not exist.
Product: Credit reporting or other personal consumer reports

I have been attempting to have TransUnion do a proper investigation into a series of erroneous information reporting on my credit report but to no avail. They have advised that they will no longer perform a credit check on my account because the information has already been verified. But this is not true. I would like to know how TransUnion can properly investigate my credit report and they don't even have my correct name on my credit reports per the correspondence that they have forwarded to me in which they state that they will not investigate the disputes of several accounts listed on my report.

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I have requested that the following accounts from the merchants below be properly investigated and deleted from my credit report due to the erroneous and misinformation displayed. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I have attached responses from TransUnion per file number XXXX where they clearly have my name and other information incorrect on my credit reports which shows that this information is simply being placed in the E-Oscar system and is not being properly investigated by a true human being to eliminate errors and mininformation.
Product: Mortgage

XXXX sold my XXXX mortgage to Nationstar Mortgage XXXX XXXX. I continued to pay on time every month, but on XXXX XXXX, XXXX I inadvertently discovered that Nationstar had increased my payment by 50 % without notifying me. I learned this when I went to my homeowners insurance website to pay my quarterly bill and discovered that my insurance was paid in full for one year. I then went to the Nationstar website and discovered that they had paid it ( unrequested and without authorization by me ), plus they are now requiring a {$540.00} " cushion '' in my escrow, plus there was an increase in property taxes for XXXX ( the last I was expecting but not the other XXXX amounts ). They averaged this total over only 8 months, increasing my payment from approx {$800.00} to more than {$1200.00} and never notified me, at all, ever. After XXXX reps who were clueless, I spoke with a supervisor in Nationstar escrow dept who kindly requested that this amount be spread over XXXX months, which would increase my payment by " only '' 25 % instead of 50 %. I was told I would receive documentation of our conversation which I have NOT received ; I called back on XXXX/XXXX/XXXX and was told I 'd have an answer by XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I made a payment for the additional funds that would be required for the XXXX % amount so that my account would be current already when the request is approved. I called again today, XXXX/XXXX/XXXX and was told I 'd have an answer in " a day or XXXX. '' Also today XXXX, I discovered a XXXX/XXXX/XXXX message to me on their website saying they are holding my on-time XXXX payment in suspense because it is not a full payment. This is raising red flags all over the place for me and I wonder if they are trying to get rid of XXXX mortgages for some reason. I understand how escrow works but particularly with the shady and seemingly arbitrary undertakings and no notice to me, I am fearful that Nationstar is trying to create an untenable situation and endanger my homeownership of 10 years.
Product: Credit reporting or other personal consumer reports

I have disputed several items on my Credit Report with Transunion and its been more the 30 days. ( 30 days : Credit bureaus ( referred to in the FCRA as credit reporting companies ) must investigate and resolve disputes within 30 days of receiving them )
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report XXXX : XXXX Account Number : XXXX Experian XXXX XXXX  Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I have a chime account and someone hacked into my account and was doing chime to chime transactions until my funds were depleted
Product: Mortgage

My mortgage loan with Specialized Loan Servicing, LLC was paid off in XX/XX/2021. On XX/XX/2021, Specialized Loan Servicing, LLC notified me that release of mortgage would be sent to the county recorder 's office. On XX/XX/2021, I contacted XXXX XXXX County where the property is located and was told they have not received mortgage release document. After that, I contacted Specialized Loan Servicing, LLC numerous times and opened two tickets, XXXX and XXXX. As of today, my issue has still not been solved. It is very frustrated and difficult to work wit

h Specialized Loan Servicing, LLC as their mortgage dept refused to take any direct inquiries and everything have to go through either front desk or opening ticket. It is almost three months since my loan was paid off and my communication with Specialized Loan Servicing, LLC yields no results. I have to request CFPB to step in to help me solve this issue. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX5 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

FOR THE TIME BEING, THE ONLY INCOME I AM GETTING IS UNEMPLOYMENT BENEFITS AND I HAVE SENT SELECT PORTFOLIO DOCUMENTS OF THE PAYMENTS I GET AND WILL GET UNTIL XX/XX/XXXX. THEY HAVE REFUSED TO ACCEPT THESE DOCUMENTS AND PROCEED WITH ASSISTANCE IN THIS HORRIBLE TIME INSISTING THAT THE ONLY DOCUMENT THEY WILL ACCEPT IS AN AWARD LETTER FROM ILLINOIS DEPARTMENT OF EMPLOYMENT SECURITY. I HAVE TRIED TO EXPLAIN TO THEM THAT IDES EITHER NEVER SENT SUCH A LETTER THIS YEAR OR SENT IT BUT PROBABLY TO THE ADDRESS OF WHERE I RESIDE RATHER THAN MY POB THAT I USED WHEN I FIRST FILED FOR UNEMPLOYMENT BENEFITS XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian Report number XXXX. 

Experian has refusing to properly investigate and remove the inaccurate, incomplete, unverifiable or information option as a result of identity theft. For any and all of the data being reported on accounts listed below. 

XXXX XXXX Also known as XXXX Account number XXXX Account type Credit card XXXX XXXX XXXX Account numberXXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX Account numberXXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXXXXXX XXXX  XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX. 

I have the right to have a 100 % accurate credit report across all three Consumer Reporting Agencies. XXXX has already removed these accounts. See CFPB complaint attached.
Product: Payday loan, title loan, or personal loan

I have this loan opened under my name, This is a fraudulent charge, I have never opened any kind of loan with this company.
Product: Debt collection

I have obtained my credit report and found accounts Ive never opened, and addresses I never resided, inquiries I never made and also different variations to my name. I also found this account that I believe is not mine : Acct name : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not liable for this debt and I do not have a contract with : Company : PORTFOLIO RECOVERY Ive filed multiple disputes. Filed a complaint with the XXXX. Ive attached Police report & also letters Ive sent PORTFOLIO RECOVERY. I also plan to consult with an attorney about this matter. Please delete this account from my credit report at once. I need a response from this company