23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed a judgment reporting on my credit report. This judgment is in violation of the FDCPA to my rights to privacy pursuant to the Privacy Act of 1974, and this judgment is also defamation. 

Note : Generally, defamation is a false and unprivileged statement of fact that is harmful to someone's reputation, and published " with fault '' meaning as a result of negligence or malice. 

I've asked the credit bureau for verification and they have not sent any proof of verification yet they refuse to remove this judgment. 

I then went to the United States Bankruptcy Court and was given a written statement claiming they do not validate nor verify any recorded documents to credit bureaus or third parties. 

So this judgment is reporting erroneously and its only intent is to cause harm to my character and reputation. Because this item is reporting erroneously it is in fact keeping me from job opportunities and other financial endeavors, which can only be defamation and an ill way to slander my character. 

I have sent letters to the bureaus letting them know that if this is not resolved I will have to take legal action and it may result in a law suit for defamation, negligent enablement of identity fraud, and violations of the fair credit reporting act.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions. 

XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 

XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Checking or savings account

I received mail to my house that a business checking account was opened with Wells Fargo under my maiden name and a fake business. 
I have not had a bank account with Wells Fargo in the last 20+ years and somehow someone used my social security number to open an account. I requested for the account to be closed and I had to call in multiple times to verify that it was indeed closed. 
I feel so violated and had to then put a freeze on all of my financial accounts and am very worried about any other additional accounts that may being attempted to be opened in my name. 
How can this happen without me being present to verify that I am actually opening the account? Also, clearly this is someone that is using old information because I haven't used my maiden name in years. I'm guessing an employee opened the account and used my old information. 
I received a mediation form in the mail, filled it out and sent it back with my request. A week later I received a voicemail saying they were Wells Fargo mediation and to call back during business hours to a direct line. I did that 4 different days without getting a call back even through the voicemail says to leave a message and a call back would be expected within 24 hours. That never happened. Finally I got a call after about 2 weeks and they said they want to do a little research and to give them 10 days. 
I have no faith in them finding an agreeable resolution for me. This whole experience is extremely shady. 
So disappointing.
Product: Credit reporting or other personal consumer reports

I previously submitted complaints to cfpb on XX/XX/year> about this inaccurate account, XXXX XXXX, no account number given, that is incorrectly showing on all three reporting agencies. My claim numbers are as follows : Equifax XXXX XXXX XXXX XXXX XXXX XXXX Prior to the above-mentioned complaints, I had contacted all three credit reporting agencies twice regarding this inaccurate Portfolio account, making the XX/XX/year> cfpb complaint my third attempt to correct the inaccurate information. 

Each time I have contacted these three credit reporting agencies, I have provided all proof that XXXX XXXX never validated this debt. 

As of today, XX/XX/year>, the inaccurate account in question, XXXX XXXX, has been updated to closed with a balance on Equifax and XXXX XXXX. This is still incorrect. 

XXXX is still showing the XXXX account as a current open collection account. 

The reported information is not consistent with all three agencies, and XXXX XXXX has also never proved that they ever validated this debt. 

I am again, for the fourth time now, providing proof that XXXX XXXX never validated this debt. All proof of what I have said above is attached. 

Because of the reasons mentioned above, all credit reporting agencies must delete the XXXX XXXX account from my credit report. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Comenity Bank did not honor the Account Assure feature on the NY & Company store credit card account that I opened XX/XX/XXXX. I called Comenity Bank XX/XX/XXXX to ask for assistance during financial hardship due to illness and unemployment to recover from late payment fees that sent my account over the limit. I called the bank back and agreed to make minimum payments, however, late fees and over the limit fees continued to accrue, making any effort to pay useless. 

In XX/XX/XXXX, I called Comenity after a voicemail message from about the past due payments. Because I had no income, I asked if the account could be closed because I was not working and had no income, but they would not allow me to close the account in past due status. I asked about the Account Assure feature, and was told that I had to pay the past due balance before that feature could be used to keep my account current. I could not pay anything at that specific time. I called back in XX/XX/XXXX to try to make arrangements for partial payment, but the bank refused a partial payment and closed my account later in XX/XX/XXXX after refusing to allow me to close the account in XX/XX/XXXX. Within months, in XX/XX/XXXX, the account was closed and charged off. The bank added on late fees that ran the balance up to {$920.00}. The debt was sold to XXXX XXXX collection agency in XX/XX/XXXX. 

In XX/XX/XXXX, the account with XXXX XXXX was disputed and resulted in the account being deleted from my credit report, however, Comenity Bank has once again sold the account to ADS and the negative item is now back on my credit report since XX/XX/XXXX. The current balance is almost double the amount of the credit limit of {$450.00}. The last payment I made was in XX/XX/XXXX for {$28.00}. I did not receive any notification from ADS prior to the re-entry of the collection status for the Comenity Bank account on all three of my credit reports. 

ADS has not sent written communication to me to inform that they are trying to collect on a time-barred account, as the original account is past four years old. They are in violation of Texas HB 996 enacted on 9/1/ 2019 that states that buyers of old debts must provide consumers specific written notices in their first written communication if they are collecting a time-barred debt. The notice should tell that they can not sue to collect the debt and give the consumer information about whether or not they are reporting the debt on consumer credit reports. 

I have tried disputing the account, however, it still appears and updates with no explanation for the balance, and they have limited contact information. I have disputed the debt and requested deletion of the account at all three credit bureaus. The debt is still showing on all three reports.
Product: Credit card or prepaid card

I used my Capital One Walmart Rewards card for groceries. I order groceries for my elderly mom and stepfather. On XX/XX/XXXX " XXXX '' ( XXXX ) did not call or text before delivering the order to her house. She called me right away and told me someone else 's food was on her porch. I called Walmart. The phone rang a long time before got an answer. I told the employee what happened. He asked his supervisor what to do. He said to give away, donate or use the items that were delivered. They were unable to exchange them due to covid. I would not be billed for them. He took down the order number. I order the same items to be delivered XX/XX/XXXX. That order was correctly delivered. I was billed for both orders! I tried again to call Walmart but could not get through. I disputed with my credit card company. An employee at Walmart lied and told the credit card company that the order was delivered and in good condition (?! ) so the credit card company rebilled me the disputed amount! My mother also sent them a letter. This is a lot of work and aggravation. I have tried reaching to higher Walmart employees. They said they are not going to correct it because I got the credit card company involved. This Walmart is in XXXX XXXX in XXXX Ohio. Their phone number is XXXX. On XX/XX/XXXX I contacted Capital One XXXX. I spoke with Both " XXXX '' ( was disconnected ) and XXXX XXXX. I was told " The case was considered closed. '' They told me to resolve it with Walmart. Walmart XXXX ( XXXX XXXX ) said to resolve it with the credit card company. I refuse to pay for groceries that were delivered to someone I don't know. Walmart does not give paper receipts. I took pictures of what was ordered both days and billed and they were sent to Capital One through a link they sent me.
Product: Mortgage

On XX/XX/XXXX, I spoke with several XXXX XXXX representatives regarding my monthly mortgage payment that is increasing in XX/XX/XXXX. XXXX representatives I spoke to were rude and had no clue as to how to answer my questions or explain what went wrong within my property taxes or escrow analysis. All they did was " pass the buck '' to the next person because they are incompetent and untrained. 

In total, I spoke to XXXX representatives and XXXX of them had the nerve to accuse and blamed me for having an escrow shortage! I kept insisting they made a mistake on my escrow analysis that was completed in XX/XX/XXXX which caused my XX/XX/XXXX mortgage payment to go up. I'm not the issue, they are! 

After asking to speak with a supervisor, I got a representative who looked further into the matter. However, let it be known this particular representative played the blame game as well stating at the end of the day, I have to pay my taxes. I informed this representative ; at the end of the day I have to pay the CORRECT TAX AMOUNT not some WRONG NUMBERS falsely made up by Carrington Mortgage! 

This representative called XXXX XXXX XXXX XXXX XXXX XXXX Collector, and it turned out CARRINGTON WAS AT FAULT FOR AN XXXX ESCROW ANALYSIS RAN IN XX/XX/XXXX. This representative informed me the escrow amount of {$2400.00} was only supposed to be paid for " XXXX  months '' due to a refund I received for my XXXX percent XXXX veteran 's exemption and the remaining XXXX months was to be for {$2900.00}. Carrington took only {$2400.00} for the entire XXXX  months which cause me to have a shortage of {$1300.00}. This caused my XX/XX/XXXX payment, and remaining payments increase. How did they miss this?! It's because they have no quality control department and are incompetent. They do not pay attention to detail. Although this representative apologized for the mistake and stated she would have an emergency escrow analysis ran within XXXX hours, this caused an unjust financial hardship upon me. It doesn't make this horrific experience with them any better. 

In XXXX, I fought Carrington over this same issue, about my payment going up and THEY STILL DID NOT GET IT RIGHT! This is the second year I've had to fight against Carrington Mortgage about my mortgage payments increasing/incorrect property taxes/incorrect escrow analysis. 

Carrington does not care about their customers ; they don't have a quality control department to make sure these types of mistakes don't happen. I can imagine the number of customers they have caused financial hardships, foreclosures upon due to their unethical and predatory practices. Carrington mortgage needs to be put out of business. There needs to be stricter repercussions for their carelessness and uncaring attitudes. Consumers are being wronged by Carrington Mortgage ; something needs to be done!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX CA SSN XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX  EQUIFAX DEAR SIR OR MADAM According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
THIS IS DOUBLE JEOPARDY AND IS NOW AGAINST THE FCRA AND FTC LAWS I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification STATE TAX LIEN XXXX XXXX CO RECORDER XXXX {$17000.00} STATE TAX LIEN XXXX CO RECORDER XXXX {$17000.00} * Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to my formal complaints against SUN LOAN COMPANY.

Sun Loan has verified this account as accurate ; however, the HIGH balance reported on my credit report is {$350.00}. ( Attached ) Yet, you state I have refinanced for {$480.00}. 

Additionally, your claims are that No payments were received. 

On XX/XX/2019, XXXX XXXX refinanced his loan for {$480.00} ( attached ) This does not match with what is reporting on XXXX. 

XXXX, 2019 shows a rating of XXXX The rating key provided by XXXX details that OK means Current, paying or paid as agreed. ( Attached ) If it was true that no payments were received and I refinanced XX/XX/2019 then XXXX, 2019 would reflect 30 days and not OK as it reports. 

Please be reminded of : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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 ( i ) 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.
Product: Mortgage

A short sale contract/offer was submitted to Ocwen on XXXX/XXXX/XXXX. Though a file manager was assigned on XXXX/XXXX/XXXX, and though I spoke and exchanged email with escalations, and though the file was identified as requiring a loan modification offer and denial in XXXX, the file has still not been deemed complete.
Product: Credit reporting or other personal consumer reports

Bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all reported incorrectly. Not my accounts/public record. I would like them to be removed. I submitted FTC identity theft reports, police reports and more. All three should be removed. One was removed and I need the others also.
Product: Debt collection

Identity Fraud and theft has apparently happened because this is not a credit account that I have ever applied for? I just recieve fraudulent bills in the mail. Then when I call to question this account and report it as fraudulent. The multiple phone calls start everyday. Along with threatening mail and everything else. This company uses every possible threatening means possible to collect fraudulent debt. They don't respond to the words of identification theft and fraud. Instead they double up on threats. This company is using a couple of hundred different phone numbers to harrase you daily from multiple areas? They are fraudulent credit preditors?
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

I submitted letters on XX/XX/2024, XX/XX/2024, also XX/XX/2024. Asking for the information and provide proof of the charge off on the account. Now its showing it was transferred to a debt collector and is still showing a balance due. Since I was never provided proof and it was transferred to a collector, I no longer owe money to this creditor.
Product: Credit reporting or other personal consumer reports

I am sending to formally notify you that I am a victim of identity theft. As provided under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request the removal of the following erroneous information from my credit report, as it is related to fraudulent activity and was not authorized by me. Please refer to the attached Identity Theft Report ( # XXXX ) for documentation of this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX Under FCRA Section 605B ( a ), I am requesting the removal of the above-listed items and other associated fraudulent information from my credit report. This request is made in accordance with the FCRA 's requirement that Equifax take action within four business days of receiving this notification.
Product: Credit card or prepaid card

I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$7600.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hire right conducted a background check for XXXX, hire rights background check is not including the date of arrest that is the disposition date more than 7 years, please explain why the conviction but no record of rehabitations is being shown need the report to show the adjudicated meaning, the fact that the company makes the final hiring decision and the ftc law that allows this in texas, How is it these records are not confidential, and what business code allows the conduct of a background without violation the privacy act of XXXX How is it hirerights module does not follow the XXXX green factor guidelines
Product: Mortgage

In XXXX, XXXX Freedom Mortgage raised our payment without notifying us. I addressed this in a XX/XX/XXXX letter. In retaliation to my communique, they performed an additional escrow analysis without the input from the County Appraisal district and determined my taxes are increasing 71 % and therefore my payment will increase again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX OF XXXXXXXX XXXX XXXX XXXX, WI XXXX HAS PLACED A NEGATIVE COLLECTIONS ON MY CREDIT REPORT EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY EXPERIAN CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. 

EXPERIAN IS STILL REPORTING THIS INACCURATE INFORMATION AFTER I SENT THEM THE USPS POSTAL INSPECTION SERVICE REPORT FROM THE CRIMINAL INVESTIGATIVE DIVISION SIGNED BY XXXX XXXX, MANAGER AND COURT DOCUMENTS SHOWING THE ORDER OF A FINANCIAL CONSERVATOR AND REPLACING ME ON ALL FINANCIAL DECISIONS AND MY LOSS OF CONTROL OVER MY FINANCIAL ACCOUNTS.