23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After years of unemployment and using my life savings to stay current on home mortgage payment s Wells Fargo  sold my home to an investor named  XXXX   XXXX  in   XX/XX/XXXX   after a year of not making payments. I had applied to get government help that they said was available but was quickly denied and it was just a false  hope. I was order by a county judge to leave a home I lived in  from   XX/XX/XXXX  to  XX/XX/XXXX .  I am now  homeless  and have lots of debt. I do not drink alcohol, use illegal drugs, or smoke and never have. I suffer from   XXXX   XXXX   which I can not afford to have diagnosed and have been separated from my wife and son since  XX/XX/XXXX . I can tell that my family blames me and they offer little to no support yet they expect me to help them. I was once an adequately paid contributing member of society and was able to sustain myself and family but now I have been marginalized by society. Why did the banks get millions from taxpayers yet we the people got nothing but a help program called   XXXX  t hat is worthless as far as I am concerned. I saved for over 10 years to buy my own home. I put a 20 % down payment from over a decade of saving and that was my life 's dream/goal to own a home. These bank CEOs make millions and some have multiple homes yet I am on the streets and something just does not seem right about banks destroying the economy with bad mortgage lending yet they get rewarded while I loose everything I worked for so they can have a lavish lifestyle. In mid to late   XX/XX/XXXX   an attorney named  XXXX   XXXX  called said he had proceeds from the sell of my home of about  14 grand but I had to sign a letter not to sue the bank to get the money. I needed the money so I had no choice but t o sign the letter to pay for immediate stay at  inns and lodge   XXXX   since I am homeless.  I drive  by my former  3 bedroom/2  bath brick ranch home on occasion and it is now recently occupied after having been updated and put back on the market since I was ordered to leave. I believe it sold for  XXXX   XXXX . I kept hoping that eventually someone would come to their senses and give it back but that never happened.
Product: Mortgage

Griffin Funding , Inc is promoting to have access to " wholesale VA loan rates '' for their customers. This is deceptive advertising and a predatory lending practice intended to lure in and deceive veterans. There is no such thing as " wholesale VA Loan rates. '' Griffin Funding Inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX Report and I noticed some Inaccurate Collections information being reported to my consumer report without my CONSENT. In accordance with the Fair Credit Reporting Act, Everything MUST be 100 % accurate on my credit report. The credit bureau stated my account was properly investigated but how is this possible if the open dates are inaccurate, the last day activity is inaccurate and the last day reported is also inaccurate. THIS IS MULTIPLE VIOLATIONS OF MY CONSUMER RIGHTS AND GROUNDS FOR DELETION. 

1

5 USC 1681s-2 ( A ) reporting information with actual knowledge of errors.

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 the information is inaccurate.

15 USC 1681s-2 SECTION B-Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate.

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

I refinanced my mortgage with another bank in XXXX and was owed my escrow account from Nationstar mortgage. Nationstar keeps telling me that they have sent me my refund via mail ( XXXX checks for {$1800.00} and {$220.00} ) but it never arrives. I 've done this 3 times since XXXX with the last refund check supposedly being sent overnight on XXXX/XXXX/2017. After reviewing complaints on the internet, Nationstar Mortgage is currently being investigated by the Better Business Burral. I 've have read multiple similar complaints about this company
Product: Credit reporting

Ability Recovery Services has inserted this account on my report and have not sent me a dunning letter or any notification that they were attempting to collect a debt. This is in violation of my consumer rights. Additionally, this is a collection company of which I have never heard of nor ever did any business with them. How then are they reporting that I have a 1-month term with them? How do I have a balance and a past due balance with them when I have never heard of them. This account is inaccurate and unverifiable. It should be deleted from my report immediately.
Product: Credit reporting or other personal consumer reports

filed a dispute regarding incorrect information on my credit report. I received an email from the credit bureau stating that they assume the disputes are coming from a third party, which is not the case. I even called to verify my identity, but they still refused to process my disputes. I ended up wasting money on mailing my disputes and sent personal information through the mail to verify my identity, only for them to not thoroughly investigate.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX, GA XXXX ACCOUNT NUMBER : XXXX SUBJECT : NOTICE OF DISPUTE, DEBT VALIDATION AND DEMAND DOCUMENTATION DEAR XXXX XXXX XXXX, I AM DISPUTING BOTH THE VALIDITY OF THE ALLEGED DEBT AND THE VALIDITY OF YOUR CLAIMS. PLEASE BE AWARE THAT INFORMATION I RECEIVE FROM YOU WILL BE COLLECTED AS EVIDENCE SHOULD ANY FURTHER ACTION BE NECESSARY. PLEASE ALSO BE ADVISED THAT NON-COMPLIANCE WITH MY DEMANDS COULD PUT YOUR COMPANY IN LEGAL TROUBLE. 

ACCORDING TO THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692G, I HAVE THE RIGHT TO REQUEST VALIDATION OF THE ALLEGED DEBT OR COMPETENT EVIDENCE THAT BEARS MY SIGNATURE AND SHOWS I HAVE SOME CONTRACTUAL OBLIGATION TO PAY YOUR COMPANY. 

I HEREBY DEMAND THAT YOUR COMPANY PROVIDE ME UNDER PENALTIES OF PERJURY WITH THE FOLLOWING VERIFIED DOCUMENTARY EVIDENCE OF THE ALLEGED DEBT : 1. PLEASE PROVIDE A VERIFIED COPY BOTH FRONT AND BACK OF THE ALLEGED ORIGINAL CONTRACT / AGREEMENT / PROMISSORY NOTE IN ITS ENTIRETY, INCLUDING ANY APPLICATION, ACCOMPANIED BY A COMMERCIAL AFFIDAVIT, SWORN TO BE TRUE, CORRECT AND COMPLETE, UPON THE COMMERCIAL LIABILITY OF A PROPERTY IDENTIFIED AND AUTHORIZED OFFICER, EMPLOYEE OR AGENT OF THE ALLEGED CREDITOR WHO STATES THAT HE/SHE HAS PERSONAL FIRST-HAND KNOWLEDGE THAT SAID FRONT AND BACK VERIFIED COPY IS THAT OF THE ORIGINAL ALLEGED CONTRACT/ AGREEMENT/ PROMISSORY NOTE.

2. THE AMOUNT OF THE ALLEGED DEBT ; 3. THE NAME OF THE CREDITOR TO WHOM THE DEBT IS OWED ; 4. THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR.

PURSUANT TO 28 USC 1746, I HEREBY DECLARE UNDER PENALTIES OF PERJURY UNDER THE LAWS OF THE UNITED STATES OF AMERICA THAT THE FOREGOING IS TRUE AND CORRECT. 

EXECUTED ON : XX/XX/2024 BY : XXXX XXXX NOTIFICATION IS COMPLETE UPON RECEIPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBE GROUP is reporting that I opened an account with them in XXXX and defaulted on said account in XXXX and that information is not true. I have never spoken with, been contacted by, or opened any accounts with CBE group. 

I reported this to XXXX Credit Bureau and after 48 hours they responded saying the account meets FCRA requirements. They didnt do a thorough investigation. 

CBE group has a negative reputation for this predatory form of extortion. They are destroying my credit. My XXXX score plummeted 85 points from this illegal reporting. From XXXX to XXXX. I have zero late payments on accounts and before they reported this false information, I had zero collection accounts.
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. In addition, I have attached a PDF document reflecting all items that were found. PLEASE REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to dispute a fraudulent account on my report. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter and send me a written explanation of your findings and actions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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, credit repair services, or other personal consumer reports

The following complaint pertains to XXXX XXXX XXXX in XXXX MO. Below is the correspondences address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Every time I visit XXXX XXXX XXXX XXXX in XXXX MO XXXX XXXX receive a bill in the mail approximately three plus months after the receiving services. Once I receive the bill, the amount is immediately reported to a credit collection agency! 

In other words, once a bill is received in the mail, XXXX XXXX does not give me proper time to pay the amount, before its reported to a collection agency, where I receive a negative impact on my credit report. 

Most recently, I received a bill in the mail last week from XXXX XXXX XXXX XX/XX/XXXX, I pay the amount due, please see attached payment receipt. Today, XX/XX/XXXX, I receive a notice in the mail from Nemos Investigations and Collections for the amount I paid on XX/XX/XXXX directly to XXXX  XXXX, see below address : Nemos Investigations & Collections XXXX XXXX XXXX XXXX, AZ XXXX. 


This has been an on going problem for over a year, such that I have asked XXXX  XXXX to mail me bills immediately after I receive services, and, NOT TO WAIT THREE PLUS MONTHS! 

I have communicated to XXXX XXXX in the past the following : " Why even send me a bill if at the same time its sent XXXX XXXX is immediately reporting the amount to a Collections Agency, before I receive the bill in the mail, and, before I have an opportunity to pay it. ''
Product: Credit reporting or other personal consumer reports

My payment history shows that I usually pay on time, but these late payments don't match that.
Product: Debt collection

I was unaware of the debt and did not receive a notice and opportunity to dispute these accounts : FIDELITY PROPERTIES IN XXXX XXXX XXXX XXXX XXXX XXXX In addition, these accounts do not have LAST DATE OF ACTIVITY. Please remove from credit report.
Product: Credit reporting or other personal consumer reports

In reference to a complaint made this morning XX/XX/XXXX ( XXXX ) I made a report this morning with the CFPB about XXXX XXXX XXXX XXXX they have went on my XXXX account changed my report again for the 3rd time this week. Soon as my score go up. They go on my reports and drop my score. I only found out this happened ; because scamming XXXX XXXX XXXX XXXX sent me a email. At this point Im thinking they are working together. I literally just mentioned this morning in my report how they make changes so often. XXXX is just as responsible, because they allow it. I called XXXX on XX/XX/XXXX to inform them of this. I also asked them to remove some information that's not mine off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my investigation back and you stated that you completed a fair investigation and that these accounts are 100 % accurate. 

But can you please answer this XXXX question. How did you investigate these accounts? 

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report. 

You were supposed to interview my neighbors and interview my friends. 

Did you interview my neighbors? 
Did you interview my friends? 
Who did you talk to? 
When did you talk to them? 

XXXX more thing can you please tell me how everything is 100 % accurate if these accounts High Balance, the Last verified date, Date Reported, the Date Opened, the Closed Date, the Creditor Type, the Last Payment Date, the Account Type, the XXXX XXXX, and the Date of Last activity are STILL NOT reporting the same information at all? 

You have violated multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

I demand deletion of the accounts from my credit report. I've listed below : XXXX Account # XXXX, FIRST XXXX XXXX Account # XXXX, XXXX  Account XXXX XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX Delete these accounts immediately or you will be responsible for {$1000.00} per violation. 

Send me updated credit report with accounts permanently deleted. 

In accordance with the Fair Credit Reporting Act they have violated my rights. 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. This is XXXX. I'm asking that all accounts be permanently deleted from my credit report. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing inaccuracies on all of these accounts. Multiple laws have been broken a few are listed below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i. Because of all of these additional infractions I request permanent deletion of all of the listed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate.XX/XX/XXXX I received this response : The company that reported the information has certified to XXXX that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : XXXX XXXX XXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
Product: Checking or savings account

XX/XX/XXXX notified PNC via Branch Mgr ( XXXX ) fraud ( to this date no response frm Fraud dept ) XX/XX/XXXX@ XXXX PNC Collection Dept calls me. XXXX states transactions agrees Fraud activities and to call Overdraft Dept its not a Collections issue but Fraud or Overdraft. 
XX/XX/XXXX informed same Branch proof I filed Fraud on PNC acct for XXXX PD. I was informed no documents are available. I was then inform that a dispute for each transaction was required. On XX/XX/XXXXBranch Mgr never informed me of that process. Now on this date my accounts are closed no access!

XX/XX/XXXX received letter of Collection from XXXX ( note : she did call me..and I /called back left a msg apologized as I was short tempered ) DRU P5 PCLC 01 J I'm baffled! And the cedit/charges to the account {$2000.00} spent at XXXX 's in a single day with transaction 's differ by 2cents. No Communications from Fraud Dept.
Product: Credit reporting or other personal consumer reports

Someone ran my credit for a auto loan with all of these companies and messed up my credit with hard inquiries This was not consented by me and i have no open accounts with none of these financial companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOWCOM/WESTLAKE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had received my letter with giving instructions to delete false information. My privacy as been violated by Equifax for furnish this false information without my writing consent violating XXXX statues of the law 15 U.S code 1681 ( A ) ( 4 ) and 15 U.S code 1681 ( B ) ( 2 ). By doing so Equifax had allow debt collector to communicate with me in a form of furnish this false information and again violating my privacy and another statue of the law Pursuant 15 U.S code 1692c ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts I have noticed in my credit report should not be in there. I was not notified so I am filing this complaint for myself. As the original creditor, only I can validate this debt and I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.
Product: Debt collection

This company calls excessively. Roughly every hour even on weekends.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax are in clear violation of consumer law 15 U.S. Code 1681b - Permissible purposes of consumer reports states - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give my written, nor verbal consent. To furnish these inquiries on my consumer report, these inquiries are in violation Im demanding they be removed immediately! 
XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; CHILDSUPPORT XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.