23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We overnighted a check to payoff our Barclay c.c. account ( from refi ) and they received it XX/XX/XXXX ( tracked it ). They called XX/XX/XXXX looking for payment and when told sent check, told not to worry, they would look for it. They called again XX/XX/XXXX and we were told they'd start investigation on their end to look for check and hold interest until XX/XX/XXXX. They called again XX/XX/XXXX looking for payment and guy at other end said woman XX/XX/XXXX never did anything she said she was going to do, apologized and finally started investigation. While waiting the 10 days asked for investigation, we received other calls, got other apologies, but no credit to our account. We received XX/XX/XXXX a letter from XX/XX/XXXX from Barclay saying our account was credited {$3000.00} during investigation, but it never showed. XX/XX/XXXX my husband was threatened by another Barclay person to fax copy cashed check or be in trouble legally, our mortgage company faxed a copy to the 2nd number we were given ( 1st was a lie ) and they said didn't receive it. I faxed a copy XX/XX/XXXX and they said didn't receive it and asked to wait until Friday to call back while they look for copy. Today my husband received another call and was threatened if we didn't have a conference call with mortgage payee, us and Barclay no credit would be issued. We have it all. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

.there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Caine & Weiner on XX/XX/2021 asking for validation of an alleged debt that they claim I owe their company, in this letter I also declined their invitation to do business. I told them to produce the validation of the alleged debt, if they could not produce that information they needed to cease collection activity and close the account. They did neither of them, what they did was insert it onto my credit report, which is a violation of the FCRA. If an account have not been validated it could not be on my credit report. They responded on XX/XX/2021 with a printout from their database that does not constitute validation. Anyone could make up a database with other people personal information that doesn't mean it's valid. I then responded on XX/XX/2021 letting them know that and informing them of their of the federal and state laws they have violated and demanded for the item to be deleted in 10 days. They did not respond to my letter and still have not deleted the unvalidated account from my credit report.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$860.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XX/XX/2022
Product: Payday loan, title loan, or personal loan

I received a speedy cash loan for {$600.00} right before the pandemic started. I lost my job and have a family and everything quickly spiraled out of control. Nearly 6 months later or so- I had cash come in and cleared all my really important debts. My speedy cash debt was settled in that. I received a notice that my loan is now seriously delinquent This company has robbed me and taken wayyy more than they were ever truly owed AND I settled the account with them. I am trying so hard to put my credit back in place after covid and this is very hurtful for my family trying to get things back on track.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I'm completely baffled by how they appeared. I routinely check my credit report, but this time there were unexpected discrepancies. I tried refreshing the page, thinking it might be a browser error, but the unauthorized inquiries were still there. I'm very upset and ask that my documents be carefully reviewed to prevent this from happening in the future.
Product: Credit reporting or other personal consumer reports

Consumer Placed a dispute on consumers credit report for XXXX XXXX accounts as follows : XXXX XXXX currently showing a balance of {$10.00}, that account is settled, closed and XXXX agreed to remove tradeline from consumers credit report. Next account also XXXX XXXX showing a balance of {$13.00} as above account, account is closed and settled and XXXX agreed to remove tradelines from consumers credit report. Last account XXXX  XXXX XXXX showing a {$0.00} balance, that account is also settled, closed and portfolio recovery agreed to remove from consumers credit report. Their policy is even listed on their website at XXXX XXXX XXXX 
Consumer called Transunion XX/XX/XXXX and spoke to representative XXXX who confirmed that disputes are still open with Transunion for above accounts and Collection agencies have failed to respond to dispute.

Consumer is just attempting to have accurate information on his credit report per FDCPA. And currently all the above accounts are showing inaccurate information and have been disputed with Transunion with no success. Consumer mailed Transunion documentation of above accounts in XX/XX/XXXX and representative stated to consumer that Transunion dispute department deemed documentation insufficient. XXXX is attempting to exercise his rights per FDCPA to have accurate information on his credit report. I have documentation from XXXX regarding deletion of tradelines. Portfolio recovery I have a screen shot from their website which states tradelines will be deleted once account is satisfied.
Product: Mortgage

I am writing this complaint in hopes the CFPB will step in and look at illegal activities being performed with my mortgage servicer PHH and XXXX XXXX as the investor. I have been applying for mortgage assistance since XX/XX/2018 and have applied numerous times for mortgage help. Each time I submit all required documents PHH denies my loan each time for different reason all along having foreclosure dates on my home while I'm applying for assistance which by CFPB regulations this is in violation of Dual Tracking Laws. I have asked PHH to consider my good faith payment of {$5000.00} towards the delinquency as good faith on my side trying to preserve my home but they ignore my cries for help. I have lost my husband and have struggled to maintain current. But now my financial income is stable and I'm able to afford my mortgage payment even if my mortgage payments go up I just need help with my loan. When I applied for help and they denied me they didn't tell me the exact reason for denial and did not provide me any other option to save my home. Please help me to save my piece of the American pie, my home.
Product: Credit reporting or other personal consumer reports

I am re submitting my complaints because I fail to list the accounts with account number. But its been over 40 days since Ive sent in dispute letters too all 3 credit bureaus XXXX, Equifax, and XXXX. I've been hung up on and mistreated unfairly and There has been no changes to my report and I am fully aware of my consumer rights. once again According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I am also aware of the following : 15 USC 1681 section 604a 15 USC 6802 ( b ) ( c ) 15 USC 1681C ( a ) ( 5 ) 15 U.S. Code 1681s2 ( A ) ( 1 ) 15 U.S. Code 1681e 1681c 1681b 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
These are the following companies and accounts numbers for XXXX : XXXX XXXX XXXX Balance {$3900.00} -XXXX XXXX XXXX Balance {$3000.00} XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX Balance {$740.00} -XXXX XXXX  XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$600.00} -XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$12000.00} -XXXX  XXXX XXXX Balance {$1900.00} These are the following companies and accounts numbers for Equifax : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4900.00} -XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX  XXXX These are the following companies and accounts numbers for XXXX : XXXX XXXX XXXX Balance {$0.00} -XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX  XXXX Balance {$3000.00} -XXXX XXXX  XXXX Balance {$0.00} XXXXXXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} -XXXX XXXX XXXX XXXXBalance {$12000.00} XXXXXXXX XXXX  XXXX Balance {$850.00} XXXX XXXX XXXX Balance {$560.00} -XXXX  XXXX {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to get a negative mark removed from my credit report that was reported by XXXX XXXX XXXX. I have been trying for the past few months. Twice I have spoke to different escalation managers and twice my request was turned down. This is ridiculous. 

The facts are simple. 

My ex wife got our residence from our divorce. In our paperwork it clearly states she was the sole owner and solely financially responsible for the mortgage payments on the residence. Stipulation of Settlement was  executed on XX/XX/2018 by the XXXX XXXX XXXX. The late payment to which I am referencing was reported for the month of XX/XX/2018. Clearly after all papers were signed. 

The below references relate to the Stipulation of Settlement from our divorce. 

Page 13 letter K Unless expressly provided in this agreement, the party receiving the particular asset, whether tangible or intangible, shall assume any and all liabilities associated with the ownership of such asset, and shall indemnify hold the other party harmless of any and all such liabilities. 

Page 15 letter B The wife shall remain in and retain sole ownership of the residence. 

Page 16 letter C from previous page 15, The wife shall indemnify and hold the husband safe harmless and satisfied with respect to the XXXX XXXX now and forever. 

This is pretty simple case. My ex wife assumed the home and the Mortgage solely on XX/XX/2018. On that date I lost all interest in the residence and was no longer obligated to legally pay the mortgage. The fact my name wasnt removed from the mortgage loan was a technicality and that it was being worked on to be removed. It takes months to do title searches and to get approved for a mortgage. 

Our Judgement of Divorce Papers were executed by the XXXX XXXX XXXX on XX/XX/2018. 

I just want this negative mark removed from my credit report.
Product: Credit reporting

Transunion has a habit of ignoring fraud information. Fraudulent inquiries were submitted using a false address that I did not belong to mi. And they refused to delete the hard inquiries and dispute the companies solicitation practiced on or around XXXX XXXX, 2015 today I spoke to Transunion Speciality Handling dept Supervisor and had the call recorded as I gave her several CFPB reports regarding the false address information. I asked for thier legal dept to call back and she hung up. For the last time I informed them that it is illegal not to investigate and dispute fraud inquiries. I am a government XXXX member & never signed anything asking the agency for a loan. No where did I sign application or ask for a single dollar from any affliation and I want total immunity. I am tired of Transunion illegal practices.
Product: Debt collection

Credit Control is charging {$1200.00} to collect a debt from XXXX. 
But I have never opened an account with XXXX. 
This is a fraudulent account. 


Account Number - XXXX Reference number - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX directly and XXXX funding to no avail. I've disputed it several times.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, I dialed a number for XXXX XXXX to get help resolving my printer. XXXX to me, the agent I was connected to is not an XXXX employee, and he gained access to my computer to fix drivers any other issues stopping my computer from communicating with my printer. While he was supposedly fixing the problem, which took XXXX XXXX hours, ( and my printer was still not fixed, BTW ), he gained access to my PayPal account, and Banking accounts, and my XXXX account. 
He submitted a chage of {$1500.00} to Pay Pal, ( and they added a XXXX fee for the cash charge ) which was tied to my XXXX XXXX XXXX XXXX, and they authorized the payment as an authorized payment. I notified PayPal of the breach within 1 hour of the ended session with the indivual. They supposedly investigated, and are denying that this purchase was unauthorized, saying that this transaction was typical of charges on my PayPal account. I pointed out that I have NEVER sent cash to someone through PayPal or my XXXX XXXX XXXX, and have never made a purchase of such a large amount either. There is no address, no company name or telephone number for this individual, who's name is XXXX XXXX. There is also no explanation of services rendered. 
I also alerted my credit card company within XXXX hour and discontinued the card associated with the XXXX account. I am still waiting for XXXX XXXX XXXX  XXXX to take the charge off my credit card, and don't know at this time whether this will be resolved. 
He also tried to transfer {$1500.00} from my savings to a debit card, which my banking institution XXXX XXXX XXXX XXXX did fix right away. I the set up all new accounts and numbers with my local XXXX XXXX rep. 
He then went to my XXXX account and charged 5 Reload cards, each with a value of {$200.00} so he could shop at will. 4 of them were cancelled, but one of the 5, valueing {$200.00} was charged to my XXXX XXXX XXXX XXXXXXXX card before it was cancelled. 
I am still waiting to see if XXXXXXXX XXXX  will take this off as well as the {$1500.00} from PayPal I'm a senior living on a modest income, and really can't afford to pay these unauthorized charges and hope someone out there will follow up on my case. He gave me a tel # to call him back directly, and I actually have a name. Does anyone really investigate these cybercriminals?.
Product: Mortgage

Applied for a mortgage loan on XX/XX/2021. I received and signed a loan estimate and my rate was later locked at 5.625 % with a 2 year prepayment penalty period. Nothing changed with my qualifications before settlement. 

I was told the loan was approved and settlement was scheduled. I received no disclosures prior to settlement. 

At settlement on Friday, XX/XX/XXXX at XXXX XXXX  The loan package arrived at the settlement office and was radically different from anything I had agreed to. The mortgage rate was 6.125 % and the loan prepayment penalty was extended to 3 years at a penalty of {$6200.00}. 

Additionally, the bank doubled the posted tax rate on the property for the tax escrow. When the settlement company questioned this, Angel Oak Mortgage Solutions refused to reduce the escrow to the actual tax rate. 

As I had a {$50000.00} deposit and {$490000.00} in exchange funds at risk, I had no choice but to sign the loan documents. My feeling is that predatory lending laws were broken.
Product: Debt collection

I received in the mail a letter from SIMM Associates XXXX XXXX dated XX/XX/2024 stating that my XXXX XXXX XXXX  account is delinquent and that I owe {$7800.00} now. Different methods for sending in payments are included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The letter also provides XXXX to learn more about my rights under the federal government. Because the website provided is credible, it makes the letter appear credible. 

I contacted XXXX and was told my account is not delinquent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Account Number : XXXX Amount : XXXX XXXX - XXXX : {$15000.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 

Please provide me with the below mentioned items : *The amount you claim the respondent owes you *An explanation showing me how you have computed the amount. 
*Copies of any documents that prove I agreed to pay the alleged amount *The identity of the original creditor *Confirmation that the account has not crossed the statute of limitation ( SOL ) period *Evidence that you are a licensed debt collector *Evidence of your license numbers and your registered agent. 
*Chain of Title of ownership of the debt *Error & Omissions Insurance I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any or my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : Violation of the Fair Credit Reporting Act/ F.C.R.A Violation of the F.D.C.P.A. 
Defamation of character 1 of 4 18 USC 894 31 USC 3729-3733 18 USC 1028A I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek litigation. 

This includes listing and information on a credit report that could be incorrect or invalidated or confirming the amount as correct when intact, there is no provided evidence that it is. If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to audit it and request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate remedy for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XXXX XXXX XXXX under the United States. Public Law 73-10. And Public Law 48 stat. 112 ( among others if your agency/ company fails to respond to this debt validation request within a period of 10 days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted and updated in your records ). 

BY : XXXX XXXX XXXX
Product: Debt collection

This collection agency is charging me for a debit that it is not mine they closed a account that was paid in full by insurance and they were charging me as a collection service then they closed the account and then they open a false account to charging me for a debit that i dont Owen si i want then to closed this accounts and delete my information from there files for good i think that they haces taken with out my permition information that i didnot autorice and never sign any documents from them and they never sent me any information that could let me know that i had a debit from them. I think that they are using my information for there sharing files with others. I feel un safe knowing that they haces personal information that could be used with out my permition like they just did in this account that they oppend with out me knowing about it.