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

This is my 2nd endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I took out a loan with possible finance paid it off on time however XXXX  and possible finance they are claiming my account is late and which it never was my account has a XXXX balance owed as pictured this has caused me XXXX XXXX as Im trying to fix my credit this has caused my score to drop very low Im in the process of filing a civil suit against possible finance for failing to protect my consumer rights Also XXXX have failed to remove fraudulent accounts from credit report after sending in proof and verification of identity theft XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Also inquiries that I did not authorize XXXX have also failed to remove inquiries that I had previously disputed as a victim of identity theft which i provided as well
Product: Money transfer, virtual currency, or money service

If you refer to complaint XXXX received by you on XX/XX/XXXX, you will see that money was wired from XXXX XXXX from my account to a fraudulent account at Capital one. The funds were subsequently frozen on XX/XX/XXXX and I have not received any funds back or can even be given an amount of funds or when they will be returned. Can not not get any correspondence from Capital One on this matter at all.
Product: Credit reporting or other personal consumer reports

XXXX / XXXX Is in violation pursuant to section 623 of the FCRA, if the investigation is not complete within 30 days
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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXXXXXX Account XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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

I was going over my credit report and I noticed some public records that are not accurate from  XXXX   XXXX   XXXX  DOCKET #  XXXX  and OHIO  XXXX  COURT  XXXX  DOCKET #  XXXX . At this time I will also inform you that the continue to report invalidated information to any of the  XXXX  major credit bureau s (  XXXX , Experian,   XXXX   XXXX   ), th is action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.   I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024 it's been 60 days and they haven't responded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am a victim of XXXX data breach. on XXXX XX/XX/year>2024 i sent a letter regarding inaccurate and unknown things on my report its been mor than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. I want these accounts to be removed. from my report as per FCRA section 611A I surely was a victim of the XXXX date breach.
Product: Debt collection

I believe this account is a fraud. Please see attached XXXX XXXX
Product: Mortgage

About eight months ago, I filed an XXXX for a loan modification with Nation Star Mortgage. I have acted in good faith, sending every document that was asked for - then, submitting them again and again and again. 

The breaking point was a letter I received approximately 10 days after a conversation I had with one XXXX. She informed me that I needed to re-submit the XXXX with current dates and signatures of myself and my spouse, along with a " detailed letter '' explaining that she has not worked outside the home in several years. 

I asked XXXX if this will indeed fulfill the requirements.Checking with her supervisor, she relayed the message that it would be. 

The last time I was able to reach a human being ( which is no longer possible with this company ), I asked if the modification was going ahead. The person a spoke with checked, and informed me that it was. 

Today, I received ANOTHER letter informing me that the modification COULD NOT be completed because the STILL NEEDED DOCUMENTS THAT I HAD BEEN TOLD WERE NOT NECCESSARY AND DID NOT APPLY TO ME. 

All the time, I have told these people that I am self-employed by a number of clients, and have provided tax returns ( two years ) as well as the most recent P & L statement. I have done this TWICE. They NOW say they need " 30 consecutive days of pay stubs '' which I DO NOT GET AS A XXXX XXXX. THEY KNOW THIS. 

I was also informed that I must submit an " AWARD LETTER of BENEFITS STATEMENT. '' For WHAT? I get NO SUCH BENEFITS. AGAIN, THEY KNOW THIS. 

Now, I am completely unable to reach a LIVE HUMAN BEING at ANY TIME. I was given the name of a " Dedicated Loan Specialist '' named " XXXX XXXX, '' along with a contact phone number and an extension. This phone, like EVERY OTHER NUMBER the company has, goes to the SAME PLACE - the SAME ENDLESS MENUES with LIMITED CHOICES and NO WAY IN XXXX TO REACH AN ACTUAL HUMAN BEING. 

I have reason to believe this " XXXX XXXX '' does NOT EXIST, which to my understanding, constitutes FRAUD. 

This company has been LYING TO ME, JERKING ME AROUND and causing a WHOLE LOT OF UNNECESSARY STRESS in my life.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, 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, 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 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

This account is being falsely reported as an open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My pii has been leaked and merged with someone else 's and my records have been altered. Identity theft and identity fraud is occurring
Product: Credit reporting or other personal consumer reports

Toyota Financial Services and XXXX XXXX  are reporting a XXXX XXXX XXXX to my credit report when I called to pay off the car I called this morning and recorded the calls and save them for your records on my devices XXXX XXXX does not have the account synergetic Communications does not have my account and I'm starting to think they let somebody else pay off the car loan in my name and keep the car and the loan in my name I just don't know about it and Toyota Financial Services has me Frozen so I can't get into my account to pay on the car or make payments then they can pursuing me through mail I got the first letter XXXXXXXX XXXX XXXXXXXX I am filing a complaint for illegal debt practicing first of all they never contacted me or sent me any mail for this debt the only time they sent me mail which I still have the letter was in XXXX of last year I've called them I tried to set up a payment arrangement with them and really I think they're lying about the debt to scam me out of {$6000.00} that somebody else paid off the car who I do not know who did not have authorization so they could take over the loan and keep the car in my name I need your help and I have a federal tax ID number for my business I also suspect they are using to get lines of credit and it makes me very upset because here I am trying to pay off a debt that they claim I owe they're too lazy to pursue me but yet you pay these people to go to work everyday then they tell me I owe it then I don't and it's just stuck on my credit report staggering So based off of the phone calls that I recorded this morning I don't owe the debt and I want it off of my credit since neither my creditor XXXX XXXX can find the account nor their collection agency they pay these lazy XXXX people to work for them who don't work I had to call them about my debt and they don't even have it but the year before they took a {$50.00} payment from me for this debt so I need you to find out if there's car loans in my name that shouldn't be using my social and my federal tax ID number and I need you to get them to take that XXXX XXXX XXXX off of my credit since they claim they don't have the debt they can't find it it's going on 3 years now and I'm getting the runaround trying to pay off a car this is XXXX they've done something illegal that they don't want me to find out and then they're going to try to make me pay again which is a scam that's why they didn't send me the letter of validity I asked for regarding the debt I hope you take their heads off for piggybacking off my credit and then you're going to leave the debt on my end but whoever paid off the car you're going to give the car to them with the loan and my name and let them still keep the car why you try to scam me and have me pay another XXXX XXXX I don't XXXX think so and if you look they sent me a letter last year so they have my contact information and if you look at the letter I sent you they don't even have my name on the letter like what are they doing
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX and I saw entries from XXXX  listed. I contacted Experian on XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report. I also contacted XXXX XX/XX/XXXX. They did not contact me back regarding the letter I sent them in regard to the alleged account.

I let XXXX  know that FDCPA 808 states : that a debt collector can not collect any amount of money that is not permitted by law or by an agreement.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

I have yet to receive a response, it remains in my credit file. As of my last writing on XX/XX/XXXX, it still remains on my file. Clearly in violation of the FDCPA. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter.

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If XXXX has deleted it and I sent you information, then it is XXXX XXXX obligation to maintain accuracy.

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; As I believe Experian is still using XXXX to verify when that has been ruled not to be verification.

If an account is modified or deleted, the furnisher is supposed to send copies of its modification to EACH CRA with whom the data furnisher has a reporting relationship. This way all the NCRAs can meet their responsibilities to update the consumers credit files, where applicable. This is directly from that report and has not been done because I sent proof of this and they still didnt do it.

All this correspondence I will be including for you as well. I had fraud on my account due to someone using my information to open account for which I have an alert on my file.
Product: Credit reporting or other personal consumer reports

After investigation, it was found that my identity was stolen. Any inaccurate information needs to be removed from my credit report. All credit inquiries as well need to be removed from my credit report a police report will be in this document as well as identity theft report as well.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to XXXX XXXX XXXX . This company continually report the account as delinquent even if I have stated already that this account was under the XXXX forbearance. They totally violated two CARES Act : XXXX. ) XXXX marked the late illegally for the months of XX/XX/year> and XX/XX/year> while they were in the middle of a loan modification and XXXX. ) demanding a lump sump the missed Covid forbearance payments the immediate month following the end of the forebearance. You have acknowledged that your received the payment last XX/XX/year> amounting to {$4800.00}
Product: Credit reporting or other personal consumer reports

On XXXX XXXX and XXXX XXXX I called and mailed handwritten letters to credit reporting agencies and let them know that these collection/chargeoff accounts and late payments that's being reported in the documents included is not suppose to be visible on my consumer report. I never gave them my written consent to report them. Under 18 US Code 1028 A ( 1 ) they are in violation of Aggravated Identity Theft by reporting these accounts my written consent. Ive also called the original creditor.
Product: Mortgage

I applied in XXXX with XXXX XXXX XXXX XXXX for assistance with applying for a forbearance on my home mortgage XXXX where I lost my income. I was XXXX on XXXX XXXX 2015. XXXX my finances were exhausted XXXX. I applied with Chase Bank 's Forbearance program immediately after the injury as it was offered to " Help homeowners '' until Financial changes allow my return to some financial stability. 
After waiting XXXX months and no response to our forbearance application with Chase we turned to XXXX for help. XXXX counselors have helped us compile all the documentation for the submission to the bank for the past XXXX months. 
After XXXX submitted the packet, Chase responded with requests for paperwork we submitted, some multiple times. I received phone calls directly from the bank as well, asking for what I previously submitted. The bank then subsequently sent me an entire application packet directing me to submit as if we were never working with the XXXX the bank the past XXXX months. 
This week I received an email from a loan modification expert that is not connected with XXXX and I am not working. The bank contacted her to discuss my case, a case that she is not connected to in any way. Chase Bank contacted an agent from a company that I am not working with and in my opinion violated my right to privacy by disclosing information to a third party without my permission. 
I would like assistance to filing a complaint for this violation and also file complaint that Chase has, and is delaying my modification thru their actions of misappropriating my paperwork as well and not responding to prior application I filed delaying this process now 5 months.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent Transunion LLC several letters disputing accounts : XXXX, XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX XXXX, and XXXX XXXX as either inaccurate, inconsistent, or unverifiable and they will reply back stating " verified as accurate ''. Each letter I asked they provide me with reasonable procedures and proof of their investigation. According to the FTC and FCRA, the credit bureau have to tell me how you verified the accounts and Transunion is not following the law when asked.
Product: Checking or savings account

Chase bank has ability to investigate, what customers are doing online banking. They know what customer has looked at chase online banking. They said they know that I have looked particular page. Why would they find out what customers are viewing online banking ... 
Do they know what else I do online???
Product: Credit reporting or other personal consumer reports

XXXX XXXX account is identity theft and a report was filed and has been disputed to XXXX XXXX XXXXXXXX XXXX  and the XXXX refused to investigate. 

Account is fraud on credit file
Product: Debt collection

I received a call that I owed for a membership from First credit services. The membership was was closed out on XX/XX/XXXX and I even paid for XX/XX/XXXX as I was told XX/XX/XXXX payment could not be cancelled. I informed the supervisor at XXXX XXXX in XX/XX/XXXX. I was told to mail a letter which I did on XX/XX/XXXXand received no response. I sent a certified letter on XX/XX/XXXX and still have not received a response. This account was paid in full and closed out west n XX/XX/XXXX. I do not owe this debt.
Product: Debt collection

I am writing in reference to the account with XXXX XXXX XXXX located at XXXX XXXX Main XXXX XXXX, SC XXXX, which you claim I owe {$21000.00}. Pursuant to 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt. 

This request includes, but is not limited to, communication by phone, email, or mail at my home, workplace, or any other location. Please note that this request is made in accordance with my rights under federal law. 

Additionally, I request that you not contact any third parties in relation to this matter unless permitted by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel my personal informantion was taken and used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts that was open in my name without my authorization I hope this will bring and to issue
Product: Credit reporting or other personal consumer reports

I've recently receive a copy of my credit report and noticed an inaccurate address reporting on my credit report. That address have been detrimental to my life and credit health.
Product: Mortgage

WE REFINANCE IN XX/XX/2018, A FIXED LOAN FOR 30 YEARS WITH XXXX XXXX TO LOWER INTEREST RATE AND CASH OUT, BUT NEVER WAS TOLD THAT SOME OTHE COMPANY WOULD BUY OUR LOAN, WOW, THE FIRST ONE DID AND THEIR WERE NO CHANGES, THIS SECOND COMPANY PURCHASED OUR LOAN SPECIALIZED LOAN SERVICINGLLC XXXX. XXXX XXXX XXXX, CO XXXX-XXXX APPRAISED AT XXXX WELL MY HOUSE NOTE WENT TO XXXX IF THEY PURCHASED OUR LOAN WHY DID THEY NOT PURCHASE IT AS IS. 

I HAVE BANK WITHDRAWAL AND THIS AMOUNT WAS A SHOCK. YES I CALLED THEM AND THEY EXPLAINED THEY WE DID NOT HAVE ENOUGH EQUITY, OK TO US THEY SHOULD JUST LEFT IT WITH THE OTHER OWNER. I NEED SOME HELP ON THIS AND TRYING TO LOWER MY PAYMENT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Experian using my information