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

I'm writing to convey how deeply annoyed and dissatisfied I am with the bogus accounts on my credit report that have not yet been rectified. It has come to my attention that your agency has not taken the essential steps to swiftly resolve this issue despite numerous attempts to address it. 
First and foremost, I appreciate the removal of the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX must comprehend the seriousness of this matter and the serious implications it has for my security, reputation, and financial situation. I've given you thorough information and proof that these accounts are bogus, and I've told you that I'm a victim of identity theft. You are required by law to carry out a complete investigation and guarantee the accuracy of the data reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). 
In order to defend my rights and make sure justice is done, I want to make it clear that I take this situation seriously and am prepared to pursue legal action if required. Any further delay is intolerable, so I believe your agency will move quickly and firmly to fix this issue.
Product: Payday loan, title loan, or personal loan

Time finance is still reporting this old debt as open.. this account has been sold and paid in full by a 3 rd party ... I contact time finance and told them that this account was paid and should be removed from my credit report and the rep stated that the account still says I old owed them which is fraudulent this old account needs to be removed off my credit report
Product: Mortgage

The company formally known as Greentree Servicing LLC, now Ditech Financial, has sent information to XXXX stating that I am late on payments. The account they are alleging is late in payments was closed in 2013 after successful short sale. They sent me notification previously, which I will provide you, stating my account was paid in full and the deficiency was waived. They fraudulently reopened this account previously, damaging my credit score at the time, after which I contacted the CFPB and you ( the CFPB ) were able to contact them and have them send me notification of their erroneous re-opening of my closed account. This should have been an apology, but I accepted their acknowledgement of their error expecting the matter was resolved. Now, again, under the name Ditech Financial ( Formerly Greentree ), they have again fraudulently reopened an account and have sent this erroneous information to XXXX Credit Bureau and are claiming fraudulently that I owe over XXXX dollars to them. 

This is very stressful since they did this to me once previously and now are trying to do it again. I would want them prosecuted and punished to the full extent of the law. They have disrupted my life and caused undue stress and hardship emotionally due to their irresponsible, fraudulent, libelous behavior. Please help me to resolve this again as you did before. I will attach the necessary documents so you can clearly see what they have done. Thank you for your help.
Product: Debt collection

Afni Collections sent a notice dated XX/XX/2016 saying I owed XXXX XXXX XXXX after I already paid a settlement with XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX Ok, XXXX XX/XX/XXXX M.A.R.S Inc XXXX XXXX XXXX Re : Disputing errors on credit report Dear M.A.R.S INC, I am writing to request a correction of the following information that appears on my Experian consumer report : Dispute 1 Account Number or other information to identify account : [ account number XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ok, XXXX. 

Dates associated with item being disputed : XXXX XXXX Explanation of item being disputed : A debt collector must halt its collection efforts upon receiving a written request from a consumer to cease collection efforts or a written refusal to pay the debt. 15 U.S.C. 1692c ( c ) Thank you for your assistance. 

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

I have reviewed a recent credit report with many inaccuracies regarding my inquires, I have already been a victim of identity theft in the past I believe someone else used by information fraudulently to try to gain access, due to the amount of inquiries reporting to Experian, XXXX & XXXX it has taken a big hit on my credit which is negatively affecting me here are all of the following inquires with dates that were done without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX  has closed their store, so they have reported negatively on my and my husband, XXXX XXXX ' XXXX  acct.as of XX/XX/2019. This is involuntary and we are not at fault. They need to rectify this action as it has lowered our credit score by 15 %. We have always been in good standing with our accounys with XXXX XXXX/XXXX XXXX. 
They are also not allowing me to enroll in their " XXXX credit protection program '' As of XX/XX/2019, XXXX XXXX and XXXX program kept passing me back and forth on the phone, playing games for over almost 2 hrs! from XXXX-XXXX XXXX, just to not allow me to enroll in the credit protection program! It was totally uncalled for! We should still be allowed in the credit protection program regardless of the store being closed! 
XXXX XXXX # XXXX ) XXXX-XXXX XXXX   XXXXXXXX XXXX # ( XXXX ) XXXX-XXXX
Product: Debt collection

I am a victim of Identity theft back in XXXX my personal information was stollen and now I have an collection for {$5800.00} from a utility company XXXX XXXX and the Debt was sold to an collection agency Online Information Serv XXXX XXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have send multiple times throughout the pass months. They never showed validation of debt or the investigation process used. Meanwhile, They've never response back to any dispute letter sent to them. Regarding the inaccurate accounts on my credit repair.
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. 
ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

There is a Chase business card on my credit report that I never received with a balance of over {$30000.00} on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax are reporting inaccurate information on my credit file. XXXX Acct # XXXX is reporting lates on XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX. This information is not correct. I have sent documentation showing the information XXXX  and Equifax was reporting incorrectly. XXXX acct was included in my Bankruptcy Docket # XXXX XXXX in XX/XX/XXXX. I have sent more than enough documentation showing proof, and that they are in clear violation of the Bankruptcy Law act. But they have failed to contact me or remove this information. I have attached documentation showing proof of my discharge date.
Product: Vehicle loan or lease

Date of Loan : XX/XX/2014, Term 75 months, Monthly payment XXXX. During the first 14-20 months payments were made on time. I ran into unanticipated financial hardships and payments began to age. The bank failed to mention extensions were available to me. Once informed of the potential for an extension the bank stated the account would have to be " in good standing '' to grant an extension. This took several more months to achieve resulting in additional late fees. I ultimately qualified and was granted extensions, however I incurred an extraordinary amount of late fees. Each month was late was equivalent to over {$150.00} in late fees. Approximately 15 % of the monthly payment. My account is current except for the late fee portion which is currently over {$2000.00}. I already paid a substantial amount of late fees that are not reflected in my statement. Before the loan matures I would like to resolve the late fees and identify if the late fees are appropriate and legal. I've tried on several occasions to resolve the late fees with minor success. Thank you
Product: Debt collection

They called from a company called Credit protection Association. The number that was called from XXXX. If this is not the person, I should call XXXX and it I am the person call XXXX.
Product: Credit card

I MADE A HOTEL RESERVATION AND CANCELLED IT. I WAS REFUNDED ONLY A PARTIAL AMOUNT OF THE AMOUNT. I WANT THE REST OF MY MONEY OWED.
Product: Credit card

My husband and I were victims of bank fraud last XXXX 2015. Our bank account was depleted and overdrawn. All bills bounced, including rent and utilites. The bank cleared the issue and gave us back our money. In the mean time they gave us a letter explaining the bank fraud that we could give creditors that bounced transactions. One of my creditors Sears/Citibank N.A. wold not accept the letter or let me make partial payments on my credit card to catch up. Then they sent me to collections. Even after having closed my account and sending me to collections they continue to send me bills which continue to rise. They wo n't accept partial payments and I have tried to dispute the charges but they will not cooperate.
Product: Payday loan, title loan, or personal loan

Application Date : XXXX XXXX, XXXX Effective Date : XXXX XXXX, XXXX On the application date above, I submitted an application to Big Picture Loans for the amount of {$800.00} to be pay a couple of bills. Thinking the loans would provide temporary relief, week after week, because the XXXX rate is 497.6265 %. For a {$800.00} loan, I am going to end up paying back {$2000.00} which is not fair. I am having a hard time trying to pay this loan back. I have called numerous times to have my due dates changed to match my new pay cycle so I would n't occur daily fees making it also impossible to pay them back, but they refuse to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beautiful day. Happy XXXX. XXXX has been one heck of a year. =- ( I humble myself to truly say thank you for taking a look at my situation. 

For about 2 months now I have been trying to respectfully dispute some issues with my credit. I sent and mailed off my ID and Social along with the proper documents and information needed for these companies to look further into the matter. Some of them said the items are accurate and have been verified ; however, I humbly asked and requested that they send me my signature showing that I have a binding contractual agreement with them. 

Month after month 2 now they have failed to show me this information. XX/XX/XXXX was when I last submitted this dispute and I do have certified mail receipts to track their inability to produce the necessary documents requested. 

They are tying to buy time as I have given them everything they need and require.
Product: Credit reporting, credit repair services, or other personal consumer reports

the wrong address - an address i never lived at - is on my credit reports and associated with a number of my accounts. somehow???? several of my accounts became associated with my ex-husband 's address. i keep trying to get this sorted out with the credit scoring companies - XXXX, XXXX  and transunion - but they say they can't update address until reporting companies fix address -- - the address has been fixed on all accounts that i am aware of / that are legitimate. but for the accounts that are NOT legitimate - i can't dispute the account because the credit company sees the ( wrong ) address reported by credit agencies .... so i am in a catch-22. my credit is destroyed because credit agencies have wrong address  associated with my name - bills i have never received / don't know about -- and i can't get information corrected - so the problem will never end. this results in me getting turned down for jobs, loans, mortgages, credit lines ... ruins my life. but not my fault. PLEASE HELP ME. 

XXXX, XXXX  and trans union also have several variations of my name that i have never used associated .... and some credit inquiries that i have never authorized. these can not be disputed with the reporting agencies - so it will never be resolved. again - this destroyed - continues to destroy my credit. please help me.
Product: Bank account or service

B ank of America  is using  XXXX  for extortion, and on a frivolous debt that has not been validated, this has caused me SEVERE DAMAGES!! as i am currently in litigation with  XXXX   [   XXXX   XXXX  & gt ; agent ] for their reckless malicious criminal activity of blocking me from banking activity for at l east 2 1/2 years, preventing me from havin g a stock broker  account, costing me hundreds of thousands in lost profits, preventing me from selling a   XXXX   or two   o n  XXXX , preventing me from selling my   XXXX   online, preventing me from selling on an online auction website, and making my life miserable and causing me suffering of poverty  XXXX  Bank  of America  unlawfully breached my information to   XXXX   and this is a   XXXX   discrace, now there s 2  investigators names   XXXX   XXXX  i, and  XXXX   XXXX  & gt ; [ of which are liable in their private capacity unless they produce their bond or liability  carrier ], adding to the damages by committing crimes of 18 USC 241,   conspiracy against rights and using fictitious names and still can not produce VALIDATION OF ALLEGED DEBT or A VALID CURRENT CONTRACT!!! I h ave 2 statements from 2 bank s stating  XXXX  is making a bad report, and i will find the letters soon, Bank  of America told me 1 1/2 year ago they were using  XXXX  to report on this FRIVOLOUS DEBT , plus its right in their response letter they will use  XXXX  as a threat to me, heres just a few profits i lost, if i had  XXXX  $ to invest o n one stock did 1600 % in one da y i could have made  XXXX  $ and thats just one investment out of many i was prevented from investing because i was blocked from banking, Becaus e of Bank of America and their CRIMINAL EXTORTION RAQUETEERING FRIENDS!!!!! THESE ARE MISCREANT S!!!     XXXX   XXXX   NO GOOD SLIMEBAGS, I CAN SAY ANYTHING I WANT WHEN THERES PEOPLE WRECKING MY LIFE VIOLATING THE LAW AND MY RIGHTS!!! ROTTON  XXXX !!!       1.  XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 1,672 % GAINS!   2.  XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 348 % GAINS!    XXXX .  XXXX  :  Alert  at  XXXX . Hit highs of  XXXX  for up to 364 % GAINS!    4.   XXXX  :  Alert  at  XXXX . Hit highs of  XXXX  for up to 392 % TOTAL GAINS!    5.   XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 1,067 % GAINS!   6  XXXX   XXXX   : Alert at  XXXX . Hit highs of  XXXX  for up to 1,014 % GAINS!   7.  XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 618 % GAINS!
Product: Debt collection

My loan servicer is FedLoan Servicer and I have been working toward PSLF since XXXX. With the waiver from XX/XX/XXXX, payment I submitted prior to XXXX should count, so I have sent them additional proof of employment. 

I recently consolidated all of my loans so that all would be eligible for forgiveness. I received a letter from FedLoan that erroneously informed me that if I went forward with the consolidation I would lose all the history of payments since XXXX and that I would have to start over and make an additional 120 payments. This is untrue under the temporary waiver. The letter also referenced the waiver so it indicates that they are working under the waiver. 

This statement is untrue and it is clearly addressed in the Studentaid.gov website. The " warning '' that I will be restarting my payment clocks is very worrisome and anxiety provoking. My two options are : 1. Carry on with the consolidation based on what the studentaid website says, even though it is really scary to risk re-starting my loan counts. In effect I have to trust that I know more than they do; or 2. I cancel the consolidation which then means a portion of my loans ( about 20 % of what is owed ) is not eligible for forgiveness. If I were to follow the instructions from FedLoan I would not be receiving the full forgiveness that the waiver is for.

FedLoan Servicing is communicating incorrect information either unknowingly or knowingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Convergent Outsourci add a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred and sold and I'm no longer responsible for the account. Debtors creditors did no verify this collection. Also there wasn't no writing form of communication contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the fcra Convergent Outsourci has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Debt collection

Dear Midland Credit Management INC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Mortgage

on XX/XX/2018 I tried to go on line to make a house payment, I could not get through, as usual. I called Wells Fargo to get help. The Women said I can take your payment so I gave her check # XXXX for the amount of {$1500.00} for Bank Acct. XXXX XXXX Routing # XXXX Acct # XXXX for my Mortgage # XXXX. She gave me a Conformation # XXXX, and said wait a minute, ok it went through. So I got a payment coupon stating my next payment for XX/XX/2018 would be {$1500.00}. So I did not get a courtesy call or letter, but on XX/XX/2018 I get an other payment Coupon for XX/XX/2018 stating I owe for XXXX and XXXX?? I called and was told the payment never went through because they got the wrong Bank Acct number, which they already have on file. I paid again and then said you better not charge me for a late payment this was not my fault. I was told well it has to be investigated and they will let me know. Second payment for XXXX Ck # XXXX for XXXX conf. # XXXX. I just placed an other complaint against Wells Fargo because mid summer I was behind in payments and they sent a letter to my rental and the tenants opened it and went crazy calling me a thief and that the house was being foreclosed on them and I didn't tell them and they don't have the money to move. I called Wells Fargo and said why did I not get that letter at my house? They keep saying we mailed it to you, but I never got it mailed here, I had to ask for that letter to be faxed to me. At that time I was making 2 payments a month until I was caught up on payments. And now this. I am sick of Wells Fargo and I don't trust them, I want my mortgage sold to someone eles.
Product: Debt collection

Had a collection added to my credit report involving rent that I do not owe.never had a lease or legal obligation to pay rent to new owner
Product: Checking or savings account

On XX/XX/2020, Chase froze my personal debit checking account 2 weeks after I received the SBA EIDL loan into my account. They said they needed documents to prove my eligibility of the loan. I provided them all the documents that they asked for, but they still will not release the funds or send the loan amount back to the SBA. Now its going on almost 4 months since this has happened, and there is no way to check what happened to the loan money.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A RECENT COLLECTION ON MY CREDIT REPORT REPORTING TO EQUIFAX FROM A XXXX XXXX XXXX XXXX WHICH IS FROM A MEDICAL OFFICE IN XXXX ALABAMA FOR XXXX, FIRST I MUST SAY I HAVENT LIVED IN ALABAMA IN YEARS. I THINK T MAY BE FOR MY DAUGHTER .I HAVE TRIED TO CONTACT THIS COMPANY FOR 2 WEEKS AND I GET A RECORDING, I HAVE LEFT MY NAME AND NUMBER AND NO RETURN CALL. THE DATE OF SERVICE IS XX/XX/XXXX. THIS IS NOT MY DEBT I HAVENT RESIDED IN ALABAMA SINCE XX/XX/XXXX. I AM DISPUTING THIS DEBT AS FRAUD NOT MINE PLEASE SEE ATTACHED POLICE REPORT ON FILE FROM XX/XX/XXXX WHERE I REPORTED IDENITY THEFT IN TH STATE OF ALABAMA PLEASE REMOVE.