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

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE! Attached you will also find my ID as proofofmyidentity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 dispute letters to Experian. One on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are violating my rights by refusing to dispute the negative accounts on my report. The other 2 bureaus have removed stuff because it could not be validated but Experian is saying they are all validated. But according to the Fair Credit Reporting Act for the accounts to be validated they have to be able to provide a signed contract or video of me signing a contract for them to be able to report an account. These negative accounts have not been able to provide such evidence therefore again violating my right per the FTCA. Per the FTCA Experian could be fined {$1000.00} per violation should I choose to take them to court. I am trying to avoid a court proceeding by working with the CFPB and Experian to fix the problems on my Credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX still is not reporting correctly to experian. Account is paid in full. They are reporting negatively on my report for over almost a year. Never updated anything. I believe experian is not investigating at all. All they have to do is call XXXX XXXX like I did and get the facts correctly. XXXX XXXX already said to me that they will get it reported correctly, but experian is lying to federal agency and myself and most likely others across America for centuries. This behavior needs to end now.
Product: Credit card or prepaid card

My 2 store credit cards ( Express, Victoria 's Secret ) through Comenity have been inaccessible for almost 1 solid week now. When you go to their websites, you are unable to log in to view ANYTHING or make a payment. Nothing, absolutely nothing. If you call, their recordings say they can't do anything/closed/unable to assist/etc.

I have balances on both cards. But I don't know WHAT those balances are and have no way to make payments. My due dates are XX/XX/XXXX. 

When you reach out to them on social media for assistance, they say they're in a scheduled maintenance period and sorry for the inconvenience. They did not notify ANYONE of this so-called scheduled maintenance. NO ONE. And when you ask when it will be back, they don't give you any info. If you ask if they will be waiving late fees, etc, they don't answer. I have seen others say Comenity has reported them to the credit bureau for overdue payments during this.

This is unacceptable, unprofessional, and WRONG. I have a beautiful credit score and history that is going to get violated because of this. I just want answers from them! I want to know when I will have access again! They're lying and hiding information. I am so stressed out! A WEEK!!!!!
Product: Debt collection

I received a letter from Aargon collection agency attempting to collect {$150.00} for XXXX XXXX for a visit on XX/XX/2019 that was paid by my insurance.
Product: Credit card or prepaid card

under 15u.s.c6802 I have the right to privacy and never gave consent to the bank to report my account, then i send them a certified letter with tracking number XXXX they never respond, I never recieve my OPT out form, its my consumer rights to can opt out from them reporting to 3 partys and they are violating my rights and this is a federal law but they don't care and also this is identity theft I never gave consent
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX XXXX, a Mr. XXXX XXXX received {$1400.00} from my checking account, despite my knowledge or consent. Before that, someone locked my debit card at XXXX. I called BoA within a couple minutes of waking up at XXXX to resolve the transaction. I was forwarded several times and finally told a case was opened, a new checkings account would be set up, my online id and password would be changed, my checkings account will have XXXX withdrawn from it, and to wait 10 business days for the results of the case. Even after the entire time I spent with BoA, the transaction was still " processing ''. I went to visit the bank in person to talk about what happened the day after, because my parents had money from their account taken as well, and were able to get it back within that day. I got the case back on XX/XX/XXXX, XXXX XXXX  and was not refunded my money because I had apparently authorized it. I tried to reopen my case and went to the local BoA again on XX/XX/XXXX, and the representative let me call the Fraud services while in his presence. He recommended I ask if opening a police case would work and nothing was resolved apart from BoA saying I could do that and they'll have to send me the paperwork for the report and fax it to them. I never got the paperwork in email or physically. I left the physical bank and called BoA later in the day and set up a 3-way call with my mom and the BoA representative. My mom and the representative discussed my case and they concluded that they will reevaluate the case and respond back by the end of XXXX.
Product: Debt collection

I have disputed with all XXXX  bureaus as to whether this debt is actually mine. I have attempted to contact XXXX and they are unable to produce any billing statements or invoices. CA continues to report to CRAs with this debt and there has been no evidence produced that proves this debt belongs to me. All XXXX credit bureaus are unable to produce any documentation that verifies this debt is mine nor when it was originated or when it went past due.
Product: Mortgage

In a retaliatory response to my request to remove incorrect information that indicated I was using a covid19 assistance program Midland deleted 15 years of mortgage history from all 3 credit bureaus. Which immediately dropped all my scores 20+ points and is a significant part of a strong credit mix and history that is now deleted. This was transferred to them from XXXX  years ago and nobody asked to change anything that XXXX submitted to them. This is simply requesting that my payment history be reinstated
Product: Credit reporting or other personal consumer reports

I filed a identity report because someone opened account fraudulently with att or credence resources management its been deleted off all XXXX credit bureaus but has been put back on trans union I dont know what trans union has going on. But its not right I never had that account why would you guys remove then add it back then when I contacted the company they said it was paid off on XXXX the XXXX but post to my credit on in XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. A late payment was reported to both my Transunion and XXXX credit files for the month of 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

LOANCARE PERSISTS TO BILL ME FOR TAXES AND INSURANCE ON A MORTGAGE THE SERVICER CREATED AN ESCROW FOR IN ERROR I have sent numerous emails and made even more phone calls to LOANCARE A XXXX XXXX COMPANY - to have the escrow attached to my loan REMOVED. 

This loan never had escrow on it. ( I put down 25 % down-payment and it was structured as a conventional loan whereby I paid only the Principal & Interest. I paid taxes and insurance myself. Last year, Loancare erroneously remitted property tax for this loan to the local tax office. I refunded completely - PAID LOANCARE IN FULL for the remitted taxes almost immediately after the servicer remitted the taxes. Nonetheless, months after making the full payment of the remitted taxes and even after numerous efforts to communicate with LOANCARE, and with them promising to make the adjustment of their error, I continue to be fraudulently be charged Taxes and Insurance and they have persistent to bill me for escrow on a mortgage that I personally and directly pay taxes and insurance to, and which should NOT have escrow attached to it.
Product: Debt collection

To whom this may concern, The loan was being serviced by SLS should of been released due to bankruptcy and we have requested several lien release documents now. The loan which was satisfied/discharged over 10 years ago never had a lien release filed and the property still has the lien on it. We have written and spoken to SLS several times and were forced to pursued legal action after threats & harassment of foreclosure which started recently ( after 10 years of silence ). We were told the lien remained valid and they sent at least 1 letter a day threatening foreclosure with collection attempts including an illegal amount of interest and fees. The Balance they claimed owed was close to {$60000.00} and they added over {$120000.00} in interest, attempting to collect {$180000.00} or foreclosure. We were forced to pursue legal action and obtained a signed court order removing the lien from this property. We sent ANOTHER OWR for a letter of lien release and/or acknowledgement of the court order and have yet to receive a response. 10 years, we've heard nothing until we reach out to them and all of a sudden endless threatening letters. This is our second CFPB complaint, the first one they challenged and since we've gone to court to prove they are wrong. 

We are disappointed with the communication and service received by Specialized Loan Servicing. Its obvious the company bullys the customer by their attempts to collect a debt 10 years after it was discharged, they never reached out prior to our communication in XXXX. In a global pandemic, they started harassing a XXXX veteran of our country and threatening foreclosure on his home after nearly 10 years of no communication to me.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong information on my XXXX XXXX
Product: Debt collection

I noticed this company placed a collection on my credit file in XXXX of 2021 for roughly {$1300.00}. The collections was for a medical bill that I do not owe and knew nothing about. I never received a call or letter from the company concerning any debt owed. I called the company and explained that this debt is not mine in fact the debt originates from a medical facility I have never even been too. I asked the company to provide me with anything that substanciates that I owe this debt and they couldn't provide me with anything. I also sent the company a debt validation letter to demand a response and I have yet to hear back from the company. MEDICAL DATA SYSTEMS XXXX MEDICAL REVENUE SERVICE is clearly a fraudulent company and should be investigated by the proper authorities.
Product: Mortgage

Hope all is well. I was in the process of applying for a mortgage loan, I was told that I was preapproved but additional paperwork is necessary. I met with a Mr. XXXX XXXX from Primary Residential Mortgage , Inc. from XXXX Rhode Island. I handed over W2s, bank statements and paystubs of mine and my wifes. This pandemic come about shortly after and I heard nothing from Mr. XXXX. However, a couple months past and I assumed that I wasnt approved so I had asked for my paperwork back. I was told that it was mailed out a month ago. A couple weeks past still no paperwork. It has been two, three months and still no paperwork. So someone lost all that sensitive information.
Product: Debt collection

I have been continuing to get harassing phone calls from Portfolio Recovery Associates. I do not owe them any money. It seems like they have purchased an old debt. I have not taken on any debt in over 10 years, and so anything they would be attempting to collect would be very old, from more than 10 years ago, and way beyond any statute of limitations. 

Each time they call, I tell them not to call my number any more. Recently, I told a XXXX XXXX that he and his company were no longer to call me when he called me on XXXX/XXXX/2015 at XXXX XXXX. 

Since then, I have received threatening telephone calls, in which the caller has refused to identify the company behind the call. These recorded calls have come multiple times a day at times, and have been very threatening against me by saying a complaint has been filed against me, and that I was going to be arrested. It is always the same woman 's voice on the recording, and it sounds like she is reading the threat off of a piece of paper. This has happened at times on an almost daily basis. I believe that Portfolio Recovery Associates is behind those calls also, because no one else has been trying to collect anything from me, but since it is a recording and they do not identify themselves, I can not prove it is from them. 

Now, today, XXXX/XXXX/2015, I just received another call from a representative of Portfolio Recovery Associates, at about XXXX or so. He did identify the company this time. He was very aggressive and demanding in his tone. This is after I have told them repeatedly never to call me again.
Product: Student loan

I have Navient for a servicer. In XX/XX/2016 I contacted them to apply for the Non-Profit Loan forgiveness program. I was told I did not qualify for the RePAYE program ( income driven ) to pay the loan down within the 10 year non profit forgiveness program, when in fact I was eligible and qualified. A year has passed now and if I want to get on the program my payment will now be considerably larger and I have lost 1.5 of the 10 years of qualified non profit employment. I even went to studentloans.gov where it stated I was eligible bur Navient refused.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted Transunion because I could not access my credit freeze status online ; I kept getting an error message. The representative I spoke with said I would get a call within XXXX hours to fix the issue. The issue is still not resolved and I can not access my freeze status online without getting an error message.
Product: Credit reporting, credit repair services, or other personal consumer reports

We've contacted equiant and XXXX XXXX plantation several times concerning our account. We were tricked into signing up for something that had nothing to do with why we came. We canceled it and now left with a XXXX bill. We've agreed to take care of maintenance fee, which we did but they're still reporting negative on our credit. They've said plenty of times it's not them it's credit bureau but the bureau insist they only report what people report to them. We've done what was asked now they need to delete this negative item off so we can finally buy our house.
Product: Money transfer, virtual currency, or money service

PNC doesn't easily to link to services like XXXX or XXXX and has provided no support or guidance on the issue. Instead of easily linking ( like all other banks allow ), PNC makes it extremely difficult for their customers.
Product: Mortgage

We surrendered our home to previous mortgage holder in XXXX of 2012.  Ocwen financial bought the mortgage and refused to honor a died in lieu of foreclosure. Ocwen, by misplacing or loosing our paper work caused us to go to foreclosure we attempted to work with them submitted paper work on 3 times, but they refused to examine our paperwork, we tried to work with them for years submitting died in lieu paperwork. They kept delaying on us until we had a a foreclosure date and told us that they would not examine our paperwork because the foreclosure was going through anyway. My wife and are both XXXX and this has taken a visible toll on our ability to obtain credit and to find rental housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX verified on XX/XX/2022 they have fixed a credit reporting error causing a commercial mortgage loan to report to my personal credit bureau. XXXX confirmed the error and submitted corrections to the agencies. The error was finally fix in XX/XX/2022 until the mortgage was sold in XX/XX/2022 to Select Portfolio Services ( SPS ). Now SPS is reporting a commercial mortgage on my personal credit bureaus again. This is a commercial loan that XXXX agreed in loan documents, in emails, and credit dispute documents this is a reporting error.
Product: Payday loan

So on XXXX XXXX 2016, I login in to my XXXX and this debt shows up stating I owed XXXX from XXXX. 1St of all I have never heard of this company. 2Nd I have never received anything about a debt from the original creditor or the 3rd party collection agency.
Product: Payday loan, title loan, or personal loan

Hello, I am writing today because I'm experiencing great challenges in making my payments with TCF bank. I have made payments in the past through their website but then their parent company changed, they changed my account number and I can no longer log in online. I have tried to contact customer service on multiple occasions and have never gotten to the point where I could speak to a person after waiting on hold for over 30 minutes each time before giving up. 

I have made my payments through my Bank 's bill pay system, the first month my payment was received just fine, the second month, I received a statement saying that no payment has been made and now I can not get a hold of the company or check my online account to verify that my payments are being received although the money is leaving my checking account. 

I appreciate any assistance that you could provide with this matter. 

Thank you.
Product: Debt collection

I called 'Procollect rent collection agency ' at their phone number XXXX to settle an outstanding rental debt that I wasn't even aware of. I first spoke with a lady ( I didn't get her name ) who was very abusive and aggressive in her language. I gently asked her that I was willing to settle the debt with not the full amount ( {$1600.00} ) but with what I have - which was {$1100.00}. She berated me repeatedly and abused me for not accepting the offer that was made to me in 2015. I tried several times to explain to her the reasons for not being able to settle it, but she continued the aggressive berating. I asked her why she was mistreating me and was it due to the fact that I'm an XXXX and my name is XXXX and she said 'Have a nice day ' and hung up on me. 

I called back and asked to talk to a supervisor and they put me on hold for 10 minutes after which I hung up and called back. This time a lady named Ms. XXXX answered and asked me to hold and before I could reply, put me on hold once again for another 7 minutes after which I hung up. I called again and I asked the lady why they were putting me on indefinite hold and she put me through. I finally got through to XXXX XXXX and I explained to her the abuse I'd recieved earlier. She said that she trains all her employees not to be abusive which was not true at all. I asked her if she'd be able to offer me a settlement and she too rudely stated that she wouldn't and proceeded to read out the consequences. I asked her if my inability to pay would show on my credit report and Ms. XXXX STATED CLEARLY THAT THIS DEBT WOULD SHOW UP ON MY CREDIT REPORT. When I said that I'd checked all my credit reports ( XXXX, XXXX  & XXXX XXXX ) she reiterated that I was wrong that it indeed would show up on my credit report. I couldn't take anymore of her abuse and hung up. 

Ms. XXXX and her employees not only abused and berated me for not being able to pay, but she made a PATENTLY FALSE STATEMENT that my credit history would be negatively impacted by this particular rental debt.
Product: Credit card

I purchase a gold bracelet to the jewelry store as a surprise gi for my wife. It was too small for my wife. XXXX a week, came back to the store to retun it and the sales lady who sold the bracelet is the same person who receive the return of my bracelet. XXXX few months, i receive a statement saying i owe them amount XXXX. I called them right away with explana! on, the guy who I TALK TO OVER THE PHONE SAID HE WILL TAKE CARE OF IT AND CLOSE THE ACCOUNT. The merchant was Commenity bank or Iddeal card. AFTER FEW MONTHS, I BEEN RECEIVING MULTIPLE CALLS FROM THEM. I did call them back to talk to supervisor and EXPLAIN EVERYTHING, she did make a notes from my statement. Unfortunately, s! ll receiving the calls and receiving statement that I am late for the payment. Pls. help me to 7x my issue. And my credit history shows that I owe them which I dont owe them anything.
Product: Payday loan, title loan, or personal loan

I have an XXXX XXXX FL account where i made a $ XXXX monthly payment I recently have been going through financial hardships and have been late on making on a few payments. I paid off what i owed every penny of it on XXXX XXXX 2017 but they have yet to close my account nor have they took off the missed payments and everything off my credit.
Product: Credit reporting or other personal consumer reports

Please delete these fraudulent accounts from credit report. I have included my ID, Power Bill, and identity theft report. These have already been deleted by the other credit reporting companies can you please delete also. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these fraudulent inquiries from my credit report. 

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

I filed a dispute last month and Discover card responded with a 2 page letter. Their letter was a giant lie. On page 2 they say that they will " continue to report the account to consumer reporting agencies as " disputed '' until I advise Discover to remove ''. As soon as the XXXX  closed the case they removed that dispute