23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please see disputes : XXXX,XXXX, XXXX, XXXX, XXXX. These are ALL disputes for the SAME creditor. In the previous disputes, they admitted that hey do not have me in their files nor can they find me. When I disputed their false charges again through Transunion, they " suddenly '' invoiced me AGAIN! Invoice is attached. This is unacceptable and after admission that they do not have me int heir files, this creditor has no basis to assume these charge are mine just because I made a dispute! For the 8th time, this charge is NOT mine. The name on thsi charge is not even mine! My full name is XXXX XXXX, it is NOT XXXX XXXX. XXXX XXXX is my MOTHER. For the love of all that is holy, these charges are NOT mine and they need to be removed ASAP! I again reiterate that I had NOT received anythign from Gen Bus Recoveries until I disputed the entry on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX Inaccurate XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Inaccurate XXXX  XXXX Inaccurate XXXX  XXXX  XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Product: Debt collection

Portfolio Recovery contacted me about a two debt they purchased from XXXX XXXX. I disputed the debt and was instructed by Portfolio Recovery to provide documentation to them proving why I wasnt responsible for the debts. In XXXX, I faxed over several documents to them to solidfy my stance. After submitting all those documents, they still insisted I had to pay, and started harrassing and threatening me about wage garnishments. 

Just to get them out of my hair, I made periodic payments, however, I constantly disputed it. A couple weeks ago, I talked to the dispute department again, and they looked over the info I provided in XXXX, and purged my account, and released me from those debts. This should have been done in XXXX when I submitted it the first time. 

Due to their " error '' and collecting money from me on accounts that were not validated, they claim they have issued me a refund for both accounts. However, I believe they are giving me the run around once again. When I called to inquire on the status on the refunds, they keep changing the time I should expect it. One rep said 30 days to receive my money back, another said 7-10 days, and today, another person said 10-15 days! Why should I wait for my money when they collected it improperly to begin with? These account should have NEVER been paid on, but they continued to harrass me even though the debt was not substantiated. This would have been taking care of if they would have processed my documentation properly instead of dismissing it to scare me into paying them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to start my statement by saying I am a victim of the Equifax data breach. Back in the early month of XX/XX/2022 I contacted all three credit bureaus for validation of the debt they have inaccurately reported to my credit profile in hopes of having it permanently removed. I have found *several* contradicting information on my report that further prove my suspicion of these accounts being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation/inconsistencies differing across the XXXX credit bureaus. I kindly request these items to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are accounts completely unaccounted for in XXXX or XXXX credit bureau profiles for myself . There are inconsistencies with the accounts close/open status.The payment status showing as 100 % paid on XXXX credit bureau and charged off on the others. It shows accounts not being updated for a year or more on XXXX to a couple bureaus and then updated as recently as last month on the other. This is a clear indication of FCRA being violated and I will not fall victim to this wrongdoing. I was involved in a data breach involving Equifax, and have reported my identity stolen to all the proper authorities. This inaccurate reporting is not in co-ordinance with the Fair Credit Reporting Act and the record keeping is not only embarrassing but my personal life is being affected because of it also.
Product: Credit reporting or other personal consumer reports

This letter addresses ongoing issues with Experian regarding their failure to properly investigate and resolve disputes on a credit report, with no clear method of verification provided. These practices reflect the allegations in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which accuses the company of violating the Fair Credit Reporting Act ( FCRA ) by mishandling consumer disputes, failing to verify data accurately, and providing unclear dispute results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ( Attach XXXX ) I reported to Experian that they were possibly violating 15 USC 1681, in that they were not timely recording my credit payments ( delaying the recording of some of my credit payments for 6 or more weeks ). For example, on XX/XX/XXXX I told Experian that they did not update my XX/XX/XXXX XXXX line of credit payment, which I paid in full on XX/XX/XXXX XXXX Attach 4, see entry for XXXX, {$300.00}, XX/XX/XXXX XXXX. 

I also reported that I believed they were untimely recording my credit card indebtedness ( disregarding the grace period credit card companies provide for new charges ). As, I believe, Experian weighs ( and reevaluates ) my FICO score based on my overall credit usage, I explained that these issues negatively affected my overall credit usage, which negatively affects my Experian FICO score ( Attach 2, Experian, XXXX, XXXX  scores ). As such, I felt my Experian FICO score is being unfairly calculated and suppressed. 

On XX/XX/XXXX, while Experian is still investigating my complaint, I noticed Experian lowered my FICO score again by 11 points although my overall credit usage is the same as it was on XX/XX/XXXX, the date I alerted Experian of their possible violation of the Fair Credit Reporting Act ( Attach 3, shows the same overall credit usage percentage as in Attach 4 ). 

Generally, and as an XXXX American woman with EXCEPTIONAL payment history, I do not understand why my Experian FICO score is so volatile. From month to month my credit score can drop 9 or more points when my credit usage increases by 1 point ( or more recently, when my credit usage percentage hasnt increased at all ) ( Compare Attach 5 to Attach 6, and Attach 3 to Attach 4 ). Contrary, when my credit usage decreases, Experian does not comparatively increase my FICO score.
Product: Debt collection

Im getting scam calls and texts for MCM debt collectors. They have fake websites XXXX : XXXX other websites stating that the websites arent fake XXXX XXXX XXXXXXXX # They have you call XXXX and Im sure other numbers as well. They asked my name and then immediately for my social security number. They couldnt tell me what my debt was for.
Product: Checking or savings account

Regarding account XXXX and XXXX which was closed without reason, and funds now being held for more than 45 days since account was restricted before closing. No updates and answers have been given me for reasonable cause, which Chase says they can do without reason for an investigation. But I have inquired many many times on what are they investigating. No answers, just evasions and we cant tell you stuff. 
This is now reaching beyond the point of reasonable. Since I know this can only be due to XXXX  XXXX XXXX asking Chase to hold my funds on a deposit that was cleared back on XX/XX/XXXX which I in fact was authorized to make this transaction and my affidavit ATTACHED HERE IN XXXX, CALLED AFFIDAVIT # 4 just faxed to XXXX  XXXX XXXX Digital Fraud Check Claims at XXXX. 
Also if Chase will check their records they will see I had a joint account with my Mother XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX confirming we had a fiduciary relationship and established trust. 
Chase has not lost one cent and I owe them nothing, they are holding {$35000.00} for a unreasonable amount of time for what they call an " investigation '' of nothing they can tell me. There are no legal attachments of leans on my account and I have no debt owed to Chase Bank. After reviewing the facts in this Affidavit # 4 attached, they need to understand that the claim in question from XXXX  XXXX XXXX is a false claim filed by mother mother and that transactions was in fact AUTHORIZED. 
Chase is a third part in this and i do not see what legal authority they have to continue to hold my funds. They are not a party to this claim and this is solely with XXXX  XXXX XXXX, my mother XXXX XXXX and Me, XXXX XXXX XXXX XXXX XXXX  now this morning also has documentary evidence in their possession by mail from me that XXXX XXXX 's claim is false and by her own voice says she gave me permission. Not only that but the banks Limitations of Liability for Online Banking Transactions ( which this was ) has established the fact that I was authorized based on the  evidence and record before them now. 
Chase has NOTHING TO INVESTIGATE, AND what can take 65 weeks so far in such a simple matter as this? This excessive time holding my funds is unreasonable and without credibility.
Product: Checking or savings account

I was supposed to get a loan for XXXXXXXX XXXX never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX open date XX/XX/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX open date XX/XX/XXXX, Account # XXXX XXXX Account # XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from Equifax and I've filed disputes on my hard inquiries that I did not authorize on Equifax but they did not remove them even though they don't have validation that I authorized the hard inquiries. I request that Equifax remove the hard inquiries I disputed recently. If they do not remove, we will take other options to remove the hard inquiries.
Product: Credit reporting or other personal consumer reports

Despite my repeated attempts to address this issue, the fraudulent items remain unresolved. The persistence of these unauthorized transactions on my credit file is a serious concern that has yet to be adequately addressed. The presence of these fraudulent items is not only compromising my financial security but also significantly affecting my creditworthiness. The lack of resolution after multiple attempts to rectify this situation is unacceptable and has caused me considerable stress, inconvenience, and potential financial harm. To support my claim, I have attached all relevant documentation once again, including detailed statements highlighting the fraudulent items and any additional information that could aid in the investigation. I expect prompt updates on the progress and actions being taken until this issue is fully resolved. With this, I am asking for your help to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

When my ( XXXX ) son died, the XXXX paid out his life insurance to his beneficiary ; me. I took 98 % of that money and bought this home ; the amount that I paid out was the cost of the home. But, I still had to pay : fees etc. so, I took out a small loan. Right after my son died, XXXX started, then I lost my XXXX benefits ( just got that back XX/XX/2023 ) then had to close down my small business. I applied for the Care Act Deferral Program through my mortgage company. That ended in XX/XX/2023. Since XXXX I have tried getting ahold of the person who has my loan file. At the end of XXXX I finally heard from her. They are trying to raise my monthly payment amount claiming taxes went up, but when I spoke to my local tax department, my mortgage company has never paid my taxes. They are over charging on interest and will end up getting x4 the amount at the end of my loan. They are saying that I have to pay all past payments, fees, etc in one lump sum in order to not be foreclosed on, yet under the terms of my federally funded loan, they are not supposed to do that and they are also not to charge any late fees etc if I was apart of the deferral program and I was. When calling their customer service line they are mean and play games like telling me the specific person who holds my file there doesnt work there and never has. I can keep going but I think this is long enough.
Product: Credit card or prepaid card

On XX/XX/2023 I had accidentally made a double payment to my Bank of America Visa card in the amount of XXXX totalling XXXX. When I called BofA to ask for the second payment to be reversed and have the XXXX returned to the checking account it came from ( it came from an external checking account ) they processed my claim. At the end of the call the agent said it would take 90 days for the claim to be resolved. I was shocked that something so simple would take so long. After the 90 days I recieved a letter from BofA stating that they debited my BofA credit card and unfotunately could only return XXXX. They claimed it was because it would have made my account past due or over the credit limit. I was not past due and my credit limit is XXXX. At the time of the claim, I owed less than {$1000.00} on the card in question. Neither statements were true. 

To add insult to injury, I had not received the funds I used to make the payment put back to my checking account. When I called to inquire, an agent say it would take 2-5 business days. On the fifth business day, I still had not recevied the funds. I called back and the next agent said it would take 30 business days. When I asked why it would take an additional 30 days, she couldn't really explain why and couldn't expedite.
Product: Mortgage

Mr. Cooper Mortgage company was renamed from NationStar Mortgage LLC XX/XX/XXXX.

Nation Star Mortgage LLC had paid my correct Property Taxes since XX/XX/XXXX.

My Property Taxes were not paid from my escrow account to the City of XXXX NH on the two dates : XX/XX/XXXX and XX/XX/XXXX. However, Mr Cooper paid from my escrow account to the City of XXXX NH on the above dates to an incorrect Property ID located in the same city. The incorrect dispersment to the wrong Property from my escrow account : XX/XX/XXXX ( {$160000.00} ) and XX/XX/XXXX ( {$1600.00} ) Mr Cooper had evaluated my Escrow account XX/XX/XXXX that my taxes had decreased of which I disputed by the Tax bill I had received from the city - I did email/faxed them the tax bill again.

I received a Notice of Tax Delinquencies and Unredeemed Tax Liens XX/XX/XXXX.

The Taxes owed on my Property are : XX/XX/XXXX ( ' {$2600.00} ) and XX/XX/XXXX ( {$2600.00} ) I called Mr Cooper customer service XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - spoke to multiple agents, faxed & emailed documents ( including Tax Bill, Notice of Tax Deliquency letter, past tax bills, Print out of Taxes owed from City of XXXX ) The agents reported to me that the Property ID number they had was correct, the tax department had spoken to the City of XXXX tax office to confirm they were correct.

It wasn't until XX/XX/XXXX that Agent XXXX gave me the Property ID number which was incorrect as reported on my Tax Bill ( and all previous Tax Bills ).

Mr Cooper mortgage statement XX/XX/XXXX made a second payment to the incorrect Property ID number after the many phone calls to Customer service agents to resolve this.

I spoke with agent XXXX onXX/XX/XXXX and XX/XX/XXXX about this incorrect ( error payment ) from my escrow account - he said that I had to prove the Property ID number on my tax bill by emailing the attached Tax bill and past bills ( as far back as I had them ).

As of today, XX/XX/XXXX - I spoke with agent/XXXX no resolution of this Escrow error ( payment to the wrong Property ID twice ) has been resolved.

XX/XX/XXXX, I faxed the documents ( Letter of Tax Deliquency, Tax Bill, Property Record Card, and other documents ) to the Complaint department & the Tax Processing Department. I have also mailed copies to each of the above departments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Open date XXXX Balance $ - XXXX XXXX XXXX XXXXXXXX Open date XXXX XX/XX/XXXX Balance {$1400.00} XXXX  adjustment Open date XXXX XX/XX/XXXX Balance {$2300.00}
Product: Mortgage

Several errors were made at closing, I was mislead to believe my payment would be XXXX. 

The errors made in their favor created an illusion of the correct payment. When in fact the payment is XXXX higher than what I agreed on. 

The escrow amount was entered in wrong causing a XXXX shortage. Which they stated they would pay on XX/XX/2021 by sending me a check. 

After three attempts to get the tracking number for the check they are ignoring me. 

I can not upload the emails. Once I have an account I will be happy to upload all correspondence.
Product: Debt collection

I need this removed from my credit report. It is stopping me from buying a house at this point. I never owed this money. They have not worked with me ..... Despite what they claim. PLEASE REMOVE THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters out to : 1.Experian 2XXXX 3. And XXXX. Telling them I never lived at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX ). XXXX is the only bureau that checked their sources and depleted it off their report records. To this day, Experian XXXX XXXX has not. I think I may still have a copy of those letters. I have one more place I can check tomorrow If not I will go ahead with the following. Please find enclosed downloads which I investigated showing that this address is a business address and not a residential address.
Product: Credit card or prepaid card

I was notified on XX/XX/21 by Capital One about two suspicious charges on my credit card - one for $ XXXX and the other for just under {$100.00} ( over {$600.00} total ). I confirmed with the Capital One rep that I did not make those charges. I was advised by the rep that both charges were made at an out of state XXXX in Maryland ( I live in Texas ). I have not been to Maryland nor do I have family that travels to Maryland. 

Several days later on XXXX, Capital One placed those two charges back on my account stating they could not validate these were fraud. I contracted customer services and was transferred several times to supervisors but told their decision stands and I would be held responsible for these charges. I was also advised that nothing more could be done to dispute these. 

Can someone help escalate this dispute? I don't know what to do in this case.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence engelhardt. XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for the defamation of character ). XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$13000.00}, XXXX XXXX XXXX balance {$350.00}, XXXX XXXX balance {$4400.00}, XXXX XXXX XXXX balance {$2100.00}, XXXX XXXX XXXX balance {$430.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX