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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : Bankruptcy - XXXX - XX/XX/year> - {$00.00}
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the following accounts. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Mortgage

Specialist Loan Servicing is doing eveything in their power to deny my loan for any assistance. I have reapplied numerous times however, they keep using less income then what I summited in my application for mortgage assistance. I have appealed and have provided proof of my income but SLS is refusing to use my whole income, making me look like I can not afford my house. I am tired of the excuses they are giving me when I have provided my bank statements for proof that I received direct deposit from my job and also I am collecting rent. I have provided SLS the rental lease as well, I honestly do not know what SLS intentions are at this point. I have tried to work directly with them but once agin this issue is not been resolve. I am falling more behind because SLS is prolonging purposly my loan so, it will me more hard to be approve for any government modification. I have a surplus of {$300.00} left after covering all expenses, inculding mortgage payment. SLS want to floreclose my property by making me fall more behind. I am running out of options and it is really upsetting that even with proof I have provided, SLS does not want to offer me a modification. My home is under water and I want to be provided an affordable mortgage payment, so I can get back on track and save my house.
Product: Credit reporting or other personal consumer reports

COLLECTION COMPANIES REPORTED IDENTITY THEFT ACCOUNTS PRIOR TO CONTACTING ME, WAS TOLD BY PARENT COMPANIES THESE WERE IDENTITY THEFT ACCOUNTS, ONCE I CONTACTED THE COMPANIES UNDER FTC AND FDCPA specifically XXXX usc15, 1692g, they never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Account XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX  # XXXX-XXXXXXXXXXXXXX Account XXXX XXXX XXXX # XXXX-XXXXXXXXXXXXXX Account XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX BANK XXXX XXXX Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is now in XXXX and they do not know our laws and are told to just say no on evrrything you send or call od tel l them aboput fraud or freeze on credit report. 
I have 5 hard inquireys that are n o t mine at all and 2 accounts that arent mine. I sent them police repirt and they said they didnt get. I called and told them to dispute and they didnt understand, hung phone up.They did not do fair credit reporting agencies section 604, 609 o r 611 on my investigation or did it at all. The info on problems are below. 

1. 2 accounts with XXXX XXXX  are not mine. 
2. XXXX says I was late on.psyments 4 years ago snd I keep sending them documents showing I made payments on the dates thry said. 
3. XXXX finance says I was late on payments when over seas in war before internet was even like it is now. 
4. 5 hard inquireys. XXXX bank, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX and XXXX all in same month bit they say it was me and it wasnt. 
5. XXXX 7 years ago had fraud on my file for XXXX dollars and they want take off like federal and especially state of Pennsylvania it is against law after 4 years. These new breed of empliyees just say they help and either hang phone up or lie. This is what they teach these XXXX how to make it so hard to fix fraud. They lie when they had lawsuiye and now worse. 

If they would go by federal and state law then I would be fine. 

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

My name is XXXX XXXX and I am a U.S. Veteran. my Identity was compromised between XX/XX/XXXX and XX/XX/XXXX. During this time a fraudulent lease was opened in my name with XXXX XXXX and is being negatively reported by XXXX XXXX XXXX. XXXX XXXX XXXX and Experian are aware of the fraudulent account, however, as of todays date the negative item still remains on my account. A military police report has also been filed and my unit is working with the Federal Trade Commision and the Consumer protection agency to resolve the matter. Please have XXXX XXXX XXXX remove this from my account immediately as it is causing me economic harm. I have also included a identity theft report from the federal trade commision regarding the complaint. A notice will also be sent to XXXX XXXX XXXX.
Product: Credit card or prepaid card

I have XXXX accounts. I recently fell behind for the first time due to loss of income then loss of housing. Comenity Bank is relentlessly harassing me. On XXXX XXXX they called me XXXX times. ( They are calling under " Unknown. '' I answered XXXX of the calls verifying it was Comenity Bank XXXX. I advised them they 're not adhering to XXXX laws regarding debt collection. The woman then became irate and I just had to hang up the call.
Product: Checking or savings account

I had XXXX charges come out of my account on XX/XX/XXXX. On the second in morning two of those charges came out one for XXXX dollars and XXXX for XXXX, my account only had a few dollars at the time. So I was hit with two over draft fees of XXXX dollars. I called later that day and said I apologize but I came from a bank that didnt do overdrafts I forgot that was a thing, they said they could remove one which I agreed. They said if it goes to long without bringing balance up I will incur another fee and I said I get paid in a few day on Friday. The next day another autopay charge was taken I was charged another XXXX dollar fee and they hit me with a XXXX dollar tier 2 overdraft fee. Im just trying to figure out how someone with no money is supposed to bring their balance up when they keep tacking on fees, the bank I am talking about is KEYbank and they ended up charging me when all was said and done approx XXXX dollars in 3 days for overdrafting XXXX dollars through XXXX  services.
Product: Debt collection

XX/XX/XXXX I received notification from XXXX XXXX that cable, internet, and phone service was installed and I was listed as the billing person. I did not authorize instillation of any service from XXXX XXXX and never had these services installed. I was told by XXXX XXXX to disregard any notifications for not returned equipment. XX/XX/XXXX I was contacted be a collection agency in attempt to collect a debt from XXXX XXXX. I then contacted the fraud department at XXXX XXXX and filed a police report because according to XXXX XXXX this was a fraud issue. On XXXX XXXX, XXXX I received a letter from XXXX Account Verification Center stating that they notified the collection agency that I am not the debtor for this account. On XXXX XXXX, XXXX I received XXXX calls from EOS CCA ( collection agency ) attempting to collect this debt for XXXX XXXX. On XXXX XXXX, XXXX I spoke EOS CCA, XXXX Account Verification Center, and XXXX XXXX Department. EOS CCA confirmed that they received this debt from XXXX on XXXX XXXX, XXXX and the XXXX Account Verification department informed me that this debt was closed in XXXX of XXXX. XXXX 's recovery department submitted a credit report deletion request on XXXX XXXX, XXXX. I was told by XXXX 's recovery department that they can not send me conformation of this.
Product: Mortgage

Flagstar stole my home!! The company approved for me to sell the home multiple times to avoid foreclosure after I lost my job. I had a closing date and moved it several times after they came up with excuse after excuse to keep me from selling the home. Now I have a foreclosure on my credit. The company acted in bad faith with high interest rates, fees, and lies over the phone about helping me to keep my home.

Flagstar approved the sale of my home in writing to avoid foreclosure. Then they sent multiple letters saying documents were missing. The same documents were sent multiple times. I experienced multiple delays and was promised that everything was in order right up to the day of foreclosure. They approved and then disapproved the real estate agent without explanation. I asked to appeal and they said they would have someone call me, but they never did. So, I got a new agent and they said they were processing approval for the sale to a different buyer, then delayed and never processed. Even though customer service said they did, nothing was done. I spoke to agents, supervisors, and everyone I could to no avail!
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX Account Number : XXXX
Product: Checking or savings account

I would like all my overdraft fees to be reimbursed over the last 24 months
Product: Debt collection

I have sent several letters tp PRA and every time I get the same response. They say " the account number and proceeds were, assigned and transferred by the seller. '' First of, there shouldn't be anything to transfer! Second when I check the consumer complaint database it shows that out of XXXX there are XXXX matches total. It seems like this company is involved in scare tactics to try collect debts NOT owed. I also asked that they produce any thing with my signature showing that I and PRA ever had any business relationship, they never do or can't.
Product: Credit card

I have contacted ALLY 30x regarding this same charge and they still can't get it right. There are two charges from XXXX {$230.00} & {$140.00}. XXXX refunded {$140.00} & {$89.00} which totals the charge of {$230.00} I AM STILL MISSING A REFUND OF {$140.00} ALLY keeps stating that XXXX only owes me {$0.00} because they are confused that the {$140.00} refund doesn't belong to the charge of {$140.00} I have spoken to several supervisors who have hung up on me or have put me on hold for over an hour and I am not only drained but extremely disappointed in the vision of ALLY Identification # of all reps spoken to at ALLY XXXX, XXXX, XXXX, XXXX, XXXX, supervisor XXXX I recieved a response for the original complaint XXXX where Ally responded saying they have refunded the {$140.00} plus interest on XX/XX/year> XXXX my surprise on XX/XX/year> to see they have REBILLED the same amount again & when I called I am told the claim investigator went into my claim reopened it and rebilled it back this should be illegal & a breach of my dispute rights. This claim was already closed and found in my favor. This claim investigator needs to be held responsible for this! If they have done this to me I can only imagine who else they have done this too!

They have since sent me a letter in May stating they have refunded this amount via their customer relations department but then 5 days later it was REBILLED AGAIN & they also closed my account and when I called to ask why I was told that I closed it which is a complete lie I need someone at this company to actually do their job and fix this
Product: Debt collection

On Wednesday, XX/XX/2022 on or about XXXX, I received a phone call from a unknown woman debt collector representative at Fairway Capital regarding two accounts. As we were talking, I told her that we have different perspectives about the two accounts, regarding the XXXX XXXX which, I had an verbal agreement with the doctor that he will help me with my bill and with the XXXX XXXX XXXX XXXX ambulance service. I told her that I already had given the car insurance information to XXXX who is a XXXX of XXXX government billing official. In an inappropriate unprofessional tone of voice and demeanor, the unknown woman caller became short with me after telling her, that this is an insurance matter since my car insurance company under Kentucky law ( PIP ) is responsible for paying for the ambulance ride. I gave XXXX my claim # with XXXX XXXX XXXX insurance company. Following me telling her we have different perspectives about these matters, she said " I am going to report that you are failing to pay '' and hung up on me. At no time, did she cooperate or allow me to dispute the debts, or allow further time or in other words, freeze my accounts until the insurance company got back with her with payment. Therefore, I called Fairway Capital back minutes later and talked to Representative named XXXX. I told him I want Fairway Capital to validate alleged debts owed, account numbers etc. and reported the misconduct of the previous representative and wanted him to report this incident to the higher ups. At no time, did I indicate that I was refusing to pay. Her telephone etiquette, behavior/demeanor alleging that she was going to mark it down that I was Refusing to pay appeared to be abusive in nature and a threat to harm my credit or get me sued financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

PRA PORTFOLIO IS FALSELY REPORTING INFORMATION FROM XXXX  XXXX. THEY ARE REAGEING MY ACCOUNT. I HAVE SUBMITTED THE INFORMATION FROM XXXX  XXXX. THERE ARE PORPOSELY ADMITTING INFORMATION AND DEFRAUDING ME AND LYING TO THIS GOVERNMENT ORGANIZATION. 


Re-aging is a very serious violation of the Fair Credit Reporting Act. Re-aging credit accounts causes older negative accounts to look more recent which can ruin your credit score.

Do not ignore any evidence of account re-aging.

Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. The DOFD ( date of first delinquency ) determines how long a negative account can remain on your credit reports. The DOFD is the date an account became 30 days late and no other payments were made.

A negative credit item, such as a charge-off can remain on your credit report for 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same date.

Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
THEY HAVE REAGED MY ACCOUNT DATES TO 2019
Product: Credit card or prepaid card

Discover Card - in its latest response - has provided this organization, and me, with information that it knows is incorrect. 

In its last response, it claims that it sent paperless responses and documents to an email address that corresponds to an email address that was included in its application. That email address - according to a XX/XX/2017 letter - was " XXXX. '' Upon sharing with them that I have never had an email address of that sort, they backed off. 

It wasn't until my most recent request for their method of delivering their statements are they now claiming that they email address they sent to the person that opened the account, is the same email address used on my correspondence to this agency, my email address : XXXX. 

So : 1. They can't provide anyone with a complete date when they got an application. 

2. There's a two-month gap between when they approved an application and when they mailed a card. 

3. They claim that they approved the account with supporting information, but refuse to provide the information they used when requested. 

4. They originally claimed - to me and to this agency - that they mailed physical statements ; now they claim that they emailed statements to the email address XXXX EVEN THOUGH they claimed to email statements to a XXXX address when asked about this is XX/XX/2017. 

REQUEST : I request that Discover provide this agency, and me, with proof of the email address they used to submit these statements. It shouldn't be hard to provide if you have an actual signed contract/application that you claim to have when you opened this account. 

Please keep in mind that I'm collecting all of your responses for the purposes of legal action.
Product: Credit reporting or other personal consumer reports

I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section XXXX ( b ) ( XXXX ) ( XXXX ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the Case XXXX, Document XXXX, XX/XX/XXXX, XXXX, Page17 of 35 14 information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover XXXX still has NOT PROVIDED PROOF. Please remove the above inaccurate information.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX attempt to resolve issue. This is new information and complaint. I am cosigner of daughters Sallie Mae student loan which was inadvertently sent to collections in XX/XX/XXXX. At that the loan was in good standing with.no missed payments for 3 years The loan was on lower payment program beginning jan. XXXX due to my daughters loss of employment in XX/XX/XXXX. Sallie Mae states loan sent to collections due to nonpayment for XX/XX/XXXX payment. Payment due date was XX/XX/XXXX by autopay which rejected due to bank error. Sallie Mae refused phone calls and payment on XX/XX/XXXX and XX/XX/XXXX. The loan charged off on XX/XX/XXXX with no notification. Sallie Mae states loan charged off because XX/XX/XXXX payment was not made BUT Sallie Mae refused to take that payment. I now have a payment missed on my credit reports and want it removed. Im also sending this to attorney general
Product: Debt collection

XX/XX/2022 - I phoned Midland Credit Management , Inc to change the debit card information in their system. A payment plan had been set up to resolve this very old debt. The company employees became very uncooperative when I told them that I need to change the debit card number on the payment arrangement. 
The arrangement was {$50.00} per month for 3 months and {$100.00} every month after until paid off. 
The company told me that because I had filed a complaint with CFPB and they had until XX/XX/2022 to respond that they will not resolve the payment plan to change the debit card number in the arrangement. 
They told me the only way they would cooperate is if I withdrew my complaint. I said that I would not because I am looking for affordable payments for debt resolution.
Product: Payday loan, title loan, or personal loan

No matter how on time or how much I pay the payoff never changes, 4 years still owe the same amount they are holding my title and title loans i thought were illegal in NC please help my nightmare, im on XXXX and an being taken advantage of at this point
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, has violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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. 

This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws. 
Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.