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

I went through a loan modification process that took this company 1 year and a 1/2 to resolved when they finally came through saying I was approved for the loan modification they informed me on a telephone call that I've made to them on XX/XX/XXXX, however they stated the loan modification was  approved back on XX/XX/XXXX, I did not received any notices on the mail or phone calls or perhaps an e-mail stating this was already approved not to mention a placed phone calls to this company at least twice a month to check the status of the loan modification every month since the process started, I did not know where the payments I was making ( every month ) where going to and that's why the phone calls on my part took place, they just kept saying to keep making the trial payments and they'll informed me when it was approved!! so it was very shocking to me to find out the way I found out since I was making calls every month and since it was back from XX/XX/XXXX to XX/XX/XXXX, then this company told me the same day this happened ... " by the way you are behind a month '' even tough I was making ( trial payments every month ) when I asked the representative she told me that she did not know how this could of happened but she said I am going to help you she replied then she said to make payments with a little extra money for 3 months and the " late payment '' was not going to take effect on my credit since it was a mistake on their part. Well to my surprise they have been reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX being 30 days late, not " XX/XX/XXXX '' wonder why? and also reporting XX/XX/XXXX and being late 180 days, this has created a serious issue with my credit report and score and I want this company to be fair and removed what they did wrong in the first place I've send them dispute letters and there is no response, I asked for copies of signed documents for the modification and a copy of the approval letter of the modification with dates so I know when it was sent to my residence which has been the same for the last 5 years and it is the same house I'm paying the mortgage with this company and they failed to do so, when I call they send me to a loss mitigation dept which never answers and they have not been able to provide me with the modification documents I need to make a case against this company with my lawyer probably because they don't even have them I want to remove all late payments from my credit history with all credit bureaus ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) companies like this should not be able to get away with destroying peoples financial lifes because of their inability to do their job correctly and fairly ... I want my financial life back.
Product: Debt collection

In XX/XX/2018 I responded to a letter I received from Wells Fargo that they were increasing my loan amount due to a shortfall they sited with my taxes. I am currently in a government program and have been paying my mortgage timely. My taxes were over stated XXXX year, but actually were decreased. I applied for a loan modification to try and get some relief on my second mortgage, and that's when I started to get the run around. First being sent to various agents, with no follow up, getting notices mt house would go into foreclosure, and then being asked for multiple documents -- with no end point in sight. 
Most recently I was asked for my divorce decree that has personal information with respect to my children. I asked for an explanation and never heard back. I could use some assistance. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to federal trade commission and credit bureau on XXXX. Report no XXXX -- -- -- XXXX then put freeze on XXXX XXXX XXXX XXXX and Equifax . Or I thought was Equifax. They have all my information a breach in my confidentiality. XXXX is Equifax no . I made my report to credit score n freeze. Today I received a phone call XXXX at XXXX  XXXX. I didn't answer the phone call. I called back XXXX and Equifax recording saying this is Equifax returning a phone call back then asked for my social security number. I did then a XXXX accent voice came on and ask can I help you. I said you called me??? It startled to me n I hung up. I immediately called XXXX where I put freeze on my credit n the man 's voice was XXXX accent also n ask me all my personal questions n social security number again. Did I file my credit freeze with Equifax or is it a fraud? Now I'm really distraught thinking I finally got rid of these fraudulent breach of confidentiality and I ask him what to do he said DON'T change your phone number that's when I said I'm reporting this to the government. Impersonating Equifax and trying to get money from me for credit score n a freeze please contact me as you can see my concern. I don't need no more trouble. I will change my phone number also again for the 3rd. Time. This person also took money from my checking account which I already reported to the Federal trade commission. Hacked me since2022 and I didn't even know it I'm XXXX XXXX n almost XXXX yrs of age n still work part-time as a XXXX XXXX XXXX XXXX. This person or people are impersonating me n the government n other people. I want to file a civil suit n sue. I will get my family attorney at law corporate to charge this person. It isn't a lot of money but it's all I have n my identity has been breached Sincerely, XXXX XXXX I have a flashdrive w info. On it at your convenience
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. This is ruining my credibility.. No one wants to grant me a loan because of this error ... XXXX   XXXX  ( reported duplicate on my credit report ), XXXX XXXX ( reported duplicate on my credit report ), XXXX XXXX ( reported multiple times on my credit report ), XXXX XXXX ( reported multiple times on my credit report ), XXXX XXXX ( reported duplicate on my credit report ) XXXX XXXX, XXXX   XXXX, XXXX   XXXX, XXXX   XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Good evening, According to 15 U.S. Code 1692c - Communication in connection with debt collection. 

Date : XX/XX/2020 Credit Collection Service/CCS Collections XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Amount : {$0.00} Acc XXXX XXXXXXXX ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting or other personal consumer reports

I have requested the credit agency to provide original contract or delete accounts. I had requested to provide the verification that was used. No response was given. According to the provisions of of the fair and credit reporting act 611 ( a ) 15 USC 1681i ( a ). These disputed items must be investigated or deleted from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX. Inaccurate and Unverifiable Information The credit reporting agencies have reported inaccurate and unverifiable information on my credit report, including late payments and negative accounts. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit agencies be 100 % accurate and verifiable ( 15 U.S. Code 1681e ( b ) ). I demand the removal of all inaccurate and unverifiable information and request {$1000.00} per violation as damages for the harm caused by these errors. 

XXXX. Reporting of Child Support Payments The inclusion of child support payments on my credit report is a violation of my privacy rights under the Privacy Act of 1974 and the FCRA. Child support payments are not to be reported on credit reports as they do not constitute a permissible purpose under the FCRA ( 15 U.S. Code 1681b ). I request the immediate removal of all references to child support from my credit report. 

XXXX. Defamation of Character The reporting of inaccurate late payments and negative accounts, as well as the inclusion of child support, has caused significant harm to my reputation and financial standing. As a result of these errors, I have been denied credit and faced increased costs. This constitutes defamation of character, and I am seeking damages of {$1000.00} per violation, as provided under the FCRA ( 15 U.S. Code 1681n ). 

XXXX. Data Breach Concerns I am also concerned about potential data breaches that may have compromised my personal information, including my Social Security number. Specifically, I am aware of the Facebook data breach and other recent breaches that may have exposed my personal information to unauthorized parties. I request that the CFPB investigate whether these breaches have contributed to the inaccurate reporting on my credit report and take appropriate action to protect my personal data. 


Charge-Offs as Income : Under IRS guidelines , a charge-off is considered forgiven debt and is treated as income. As such, it should not be reported as a negative item on a credit report. The IRS requires that forgiven debt, such as charge-offs, be reported on a XXXX form as income, which is subject to taxation. 



XXXXXX/XX/XXXX account - Charge off XXXXXX/XX/XXXX - Charge off XX/XX/XXXXXXXX - late payment Cap XXXX - Charge off Cap XXXX - Charge off
Product: Debt collection

I have found a report on my credit from a PCS Collections, I have never heard about this company and I have no knowledge of why they placed a collection on my credit. Frankly I don't know what this debt is for. I have pulled up reports on the XXXX and found that they appear to be a fraudulent company involved in debt scams and work through evasion and scare tactics. I am not afraid, but I do not know what to do. I want nothing to do with a dishonest scammer company. I have no knowledge or information of anything from them except for the reporting on my credit. The reporting itself is vague as it does not provide any detail for what it is for or from.
Product: Debt collection

I take no responsibility for this debt! It is unknown to me. 
This company has been sending correspondence to me from at least XXXX threatening wage garnishment for a debt ( again that I did not incur ) that according to their paperwork dates back to XXXX! That is past the statute of limitations if read the law correctly. I have a fine relationship with the bank they are claiming to represent and there is no evidence of this account on my credit reports. 
Each time they send me a letter I reply back not just to them but to the county clerk via certified mail which is costing me my hard earned money. 
I received letters from Selip & Stylianou in XXXX XXXX, XX/XX/XXXX and most recently XX/XX/XXXX in the amounts of {$6700.00}, {$7000.00}, and {$6900.00} respectively.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX 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 an 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: Debt collection

On XX/XX/XXXX JH Portfolio Debt received a certified letter disputing a debt for {$380.00} and asking for validation by signed contract. No response was received from JH Portfolio Debt.  Another certified letter was sent and signed for on XX/XX/XXXX asking the unverified debt to be removed from my credit file since they have not complied with both federal and state reporting laws. This unlawful reporting of a debt by JH Portfolio is damaging and harming my credit report. I will continue to file complaints and pursue legal action against JH Portfolio if they continue to breach FCRA/FDCPA laws.
Product: Credit reporting or other personal consumer reports

I would like an investigation opened and also file a complaint regarding incorrect information reporting on my credit report. I'm distressed that the credit bureaus have failed to maintain reasonable procedures to assure accurate information is being reported. Credit reporting laws are to ensure that the bureaus only report 100 % accurate information and every step must be taken to assure that. The following information regarding my account is in fact incorrect and needs to be investigated. I would like to see proof of the original signed contract. If documents can't be provided in such timely manner 15 days that will make the agency in violation of 15 USC 1692g.I asked that the account, please be removed from my credit profile. 


XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2024 Status Collection account. {$1.00}, XXXX past due as of XX/XX/2024. 
Status updated XX/XX/2024 Balance {$1700.00} Balance updated XX/XX/2024 Recent payment - Monthly payment - Original balance {$1700.00} Highest balance - Terms 1 Months On record until XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following ( XXXX, TransUnion ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX XXXX XXXX Date Opened XX/XX/2012 Balance {$0.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measure afterwards. I just got a duplicate drivers license and a copy of my social security card. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. These accounts are not mine, please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX  XXXX XXXX XXXX, 01 XXXX XXXX XXXX, 06 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : XXXX   XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Honda and XXXX XXXX regarding late payments noted on my credit report however the accounts with both financial providers have been closed from some time now. I contacted them both back in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX account was closed on XX/XX/XXXX. However it is documented on my credit report that I was late on XX/XX/XXXX American Honda Finance was closed on XX/XX/XXXX. However it is documented on my credit report that was late on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been breaking several federal laws when it comes to consumer law. They are violating consumers rights and not abiding by the laws that are put in place for the consumer when it comes to the consumers credit report. Experian is reporting this with out my permission and never gave me the option to opt of the credit reporting on my personal information and accounts. They are violating the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX ( XXXX ). They do not abide by either one and disputes in the pass have been ignored or Experian has completely falsified the dispute process giving no evidence of any documentation of the dispute process and who they spoke to to confirm said information being reported is even valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allowed a dispute to be initiated without my knowledge or my consent - Report XXXX : XXXX. I called the Experian fraud department to get clarification as to why was this account was being disputed ( which I did not initiate the dispute ). I contacted Experian on XX/XX/2021 XXXX XXXX Central Standard Time through XXXX XXXX  Central Standard Time. The individual in the fraud department stated that they have no information as to who initiated the dispute. This is clearly unacceptable and a clear violation. All disputes must be initiated by the consumer and no one else if not authorized - Via online, certified mail, or by phone. After speaking with another representative they stated that this account was a CFPB complaint which is inaccurate. The CFPB complaint ID XXXX - XXXX Is the complaint that should be currently addressed. Not this erroneous and fraudulent dispute Report XXXX : XXXX. I requested Experian to address and demand CFPB complaint ID XXXX - XXXX.
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX XXXX XXXX are not maintaining reasonable procedures.
Product: Mortgage

On XX/XX/XXXX, I was notified by XXXX that our loan was being transferred to Specialized Loan Servicing. At his point, my XX/XX/XXXX payment had already been posted by XXXX. ( See attached bank records. ) When I called Specialized Loan Servicing to make our XXXX payment, I was informed that we had a past due balance on the account for XXXX. They assured me that no action would be taken and the payment would show up after they finished inputting the transfer and that the 60 day grace period applied because of the recent transfer. After more than one call, the agent promised me there was nothing I needed to do but wait for them to post the payment. They said that they weren't able to take the XXXX payment at this point, even though it was due, because the loan hadn't finished transferring. They advised me to wait a couple of weeks for things to straighten out. I called back on XX/XX/XXXX to make the XXXX payment. They took my payment ( see attached bank statement ) and gave me a confirmation number. I tried to access their website later in the month to make the XXXX payment but I was denied access because of a delinquency code. I then called them and was informed that I was past due for XXXX, XXXX and XXXX! After some inquiry, they admitted that they could see the XXXX payment but they wouldn't apply it because of the past due from XXXX. I was instructed to mail a letter containing proof of previous payment. I told them I was hesitant to make the XXXX payment, even though it was due since they weren't applying my XXXX payment. Despite my concern, they refused to transfer me to a supervisor or provide any reassurance that they would apply my payment. When asked which government agency regulates them, the agent deflected the question by saying that we had a bankruptcy discharge in XXXX and that she was unable to help me further but they had a lien on the property. It is my belief that they are purposely not logging our payments in order to foreclose on the loan. They have a history of this behavior and the Consumer Financial Protection Bureau ( Bureau ) issued a consent order against Specialized Loan Servicing, LLC ( SLS ) in XX/XX/XXXX.