23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

An alert from XXXX came across my email to inform me that I had a debt collection being newly reported on my credit report. My credit report is in " frozen '' status which is supposed to prevent unauthorized information being placed on my credit report and states a security alert. I immediately opened my report to find a negative collection on my account from a collection agency. Prince Parker & Associates is listed as " Collection Agency/Attorney ''. However, Prince Parker & Associates NEVER provided written communication of this alleged debt. Thus violating my federally protected rights under FCRA, FDCPA, and UDAAP. I have no knowledge of ever contracting with Prince Parker & Associates. 

XXXX has violated my rights by reporting information on my credit report despite having my account " frozen '' and violating my federally protected rights under FCRA, FDCPA, and UDAAP by obtaining my written consent/permission for the information to be listed on my credit report and in my credit file. As XXXX is a repeat offender and recklessly and negligently injure and damage my reputation as a consumer, XXXX should remit to me XXXX XXXX dollars due to their respective and repeated violations according to 15 USC 1681n and 1681o.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

I am XXXX. I am having problems with my mortgage payments. I talked with a counselor and my payments don't add up. I have tried to work with the Mortgage company. They say I am behind since XXXX but I show my bank statements showing payments to them. I did miss XXXX and XXXX but they are saying I owed over {$3000.00} as of XX/XX/XXXX. Then they returned any payments I tried making after that. I got behind last XXXX but on XX/XX/XXXX I thought I got caught up, not missing a payment until XX/XX/XXXX. I was also behind in XXXX. I have a letter explaining all the details but mainly I was behind and was told to make 3 payments and they would work something out. I had the money and then they would not accept anything but {$8400.00}, which I paid even though my statement showed {$5000.00} because I didn't want any trouble. I later wrote a letter to find out where the money went but didn't get a response. I have all documentation. I never have had any paperwork from any lawyer or any documents sent to me or pasted on my house about foreclosure. I don't understand why there is over {$200.00} discrepancy on my monthly payment, why they keep telling me I owe from XXXX and my {$8000.00} payment isn't showing on the accounting sheet they sent me. I am not sure what to send you so I tried pasting major information including important dates, my bank payments, what Mr. Cooper 's statement is showing, fax transmissions and tax information. Please contact me if I am missing more. It has been extremely difficult being on XXXX and I do not want to lose my home. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for the past 6 months to have this issue resolved with my credit report with no avail. XXXX XXXX ( Original Creditor : XXXX ) XXXX. This account is reporting innacurately and has been reaged. I have attached this account on my credit report as proof XXXX   is reporting date of last active XX/XX/XXXX date of last reported XX/XX/XXXX Equifax is reporting date of last active XX/XX/XXXX date of last reported XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted a identity theft/fraud statement with the FTC. I sent this to all 3 credit bureaus and they said they investigated the claim and it was verified. I want to know how they verified something that is false. What method of verification did they use? They can see by visually looking at the dispute that the numbers and the amount of loans received do not match. 

The company that I am in dispute with ( XXXX  ) is purposely sending wrong information to me, the ombudsman, the credit bureaus and claiming I owe money by showing a Master promissory note that doesn't prove anything. Master promissory notes do not cover loans that were not given to you. They have to show that the school provided me with this money. I can show specifically the loans that the schools have given me, and yet XXXX persists with inaccurate information. I have the amounts I borrowed from the schools, and they do not match the ones XXXX is claiming. End of discussion, this is FRAUD! The credit bureau is willingly putting false information on my credit report by not verifying correctly. And XXXX is not being held responsible. 

Now the company in dispute XXXX, sent me a new form to fill out that states the loans on the latest statement they provided are forgery claimed by me, even though they are not the same ones as I claimed on my dispute. They want me to sign and return this for a discharge. Now XXXX is asking me to lie on a forgery statement? 

I am now adding the credit bureaus in my lawsuit for not properly verifying these loans. The are not allowing me to enforce my legal rights under FCRA 616. They insist on putting fraudulent information. Here is a copy of my report that I sent to the credit bureau, and a recent copy of the letter I received from XXXX, stating it has been verified. Once again the loans do not match. Here is a copy of the student loans I received from the schools. Only 16 of the loans match 24 loans XXXX claims I owe.
Product: Checking or savings account

XXXX scammed me before Chase would double check the receiver of the money I lost {$2200.00} due to lack oXXXX XXXX protection XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I decided to purchase a house. On XX/XX/2020 we continued working with XXXX XXXX from XXXX XXXX on a mortgage application. He tried to use LexisNexis to identify me over the phone, but I was unable to pass the questions. The questions were worded such that someone who only vaguely knows me would probably be able to answer them correctly. But I could not answer the questions correctly because I am me, and I know the correct details. This was the third time, where I am trying to be identified over the phone with some financial institution and I was unable to be verified. 

Now, yesterday, XX/XX/2020, my XXXX XXXX was supposed to have wired money to the XXXX XXXX for closing on this house. Customer Service from XXXX XXXX XXXX XXXX tried to identify me using the LexisNexis service. They were unable to verify my identity and consequently they DID NOT WIRED MY FUNDS TO TXXXX XXXX XXXX  The representative was supposed to call me back after checking with his boss, but never did. Now we are facing delays or contractual penalties, because of a potential delay in our closing on the house. 

This morning a rep from the XXXX XXXX called me back again to verify my identity using LexisNexis. There was another question about an " XXXX XXXX. '' I do not know an XXXX XXXX. I have a daughter named XXXX, and an EX WIFE named XXXX XXXX XXXX XXXX. So what gives? If they are trying to Uniquely identify and verify who I am, shouldn't they have VERIFIED and CORRECT INFORMATION about who I am? I answered the question about " XXXX XXXX '' as if it were XXXX, my daughter, and I passed the test this time.
Product: Credit reporting or other personal consumer reports

I got my social security number in XX/XX/2023. I try to login to XXXX XXXX and my information in XXXX XXXX said that it did not belong to me, I tried to open an account in Capital One but I couldn't open it. I think someone else is using my social number, I need my social to work and build my credit. I can submit proof of my social and my driver 's license.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my XXXX XXXX and I discover some unverified accounts that I don't recall seeing any accounts for business in my records. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. These are accounts are not accurate please delete : XXXX XXXX {$690.00}, XXXX XXXX {$520.00}, XXXX XXXX XXXX the accounts are not accurate. The accounts in question were actually paid in full. The information is wrong I know for a fact you receive this information from a third party source. However this information in WRONG! Not sure who furnished it is unconfirmed and unverified, it is not 100 % accurate. FCRA 1618 ( a ) ( 5 ). Please delete these records from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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

In XX/XX/XXXX I filed For bankruptcy. My loan was with XXXX ( a loan I had since XXXX ). The loan was not reaffirmed, but all my payments have always been made on time. The loan stopped reporting to my credit bureau, as it should based on the bankruptcy, but the tradeline still showed. 

In XX/XX/XXXX XXXX took over as the loan service company for XXXX. They started reporting my payments. All payments showed current- because they were. In XX/XX/XXXX XXXX misreported mt payment as 30 days late in error. After many many phone calls, and complaints, their way to correct it was to completely delete the trade line. 

My complaint is this. This was a OPEN trade line. It had an original balance of {$400000.00}. XXXX took this over in XXXX. I did not file BK until XXXX. Although they should not have been reporting by payments, the trade line is still valid. What they should have done is simply correct their reporting. XXXX deleting the tradeline that I paid for many many years adversely effects me trying to purchase another home and refinancing my house. This is a clear violation of the Fair Credit Reporting Act. 

They sent me a letter stating that credit reporting is " terminated '' after a BK. They are not allowed however to DELETE the trade line from prior to the BK. Only stop reporting. They can only no longer report the debt for which I am not liable. It doesn't erase that I EVER had a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX TX XXXX XXXX type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX  # XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX XXXX FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX  On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Account charged off. {$800.00} written off. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$760.00} Status Account charged off. {$760.00} written off. {$760.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Collection account. {$620.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$420.00} Status Collection account. {$420.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 
XXXX XXXX Potentially negative Date opened XXXX Balance - Status Closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family.
Product: Credit reporting or other personal consumer reports

I received a notice letter from XXXX XXXX XXXX XXXX informing me that their company had a data breach and all my personal information was used with them on XXXX XXXX and also the dark web. Also, based on their investigation to date, the data appears to be from XX/XX/year> and earlier. The company offered me a complimentary credit monitoring, identity theft detection resolution. I tried disputing all of the wrong information with all XXXX of the credit bureau it wasn't removed.
Product: Vehicle loan or lease

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in debt with 2 Chase credit cards for several years and I paid a large sum of money to Chase to get my balances down and improve my credit score. As soon as I get these balances paid down Chase decides to drop my credit limit to {$300.00} over the amount of the unpaid balance. The point being I paid these high balances down to help my credit score and Chase uses the pay off to decrease my credit score. The problem being I paid the credits down to increase my credit score, High available credit but low balances. Chase drops my balances, so my credit card is showing full balances. So my credit score took a double hit, one for credit decreased and two for maxed out credit cards.
Product: Checking or savings account

Financial Institution : Truist Issues : Account Locked, New Customer I am writing this letter as a formal notice to file a complaint against the Financial Institution, Truist. I believe their practices for onboarding New customers/clients is exploitive, unforgiving, and downright unethical. 

Recently applied and was approved for Confidence Checking/Savings account on XX/XX/XXXX. Submitted minimum opening deposit in total of {$75.00} for both accounts on XX/XX/XXXX with phone representative. Phone rep also helped process order for debit card to be shipped. On XX/XX/XXXX, attempted to login on Online Banking and was briefed with a Account Locked notice. Called Support and was told that account had been closed and would be forwarded to specialist department to resolve. Mislead through many different departments and requested callbacks were ignored ; hours and time wasted with NO resolution. 

Customer is seeking for immediate reimbursement of opening deposit plus damages. 

Looking forward to getting this resolved,
Product: Mortgage

In response to a letter mailed to my house advertising a program for veterans that lowered the interest rate on our home 's mortgage, my husband and I decided to refinance with Southpoint Financial Services. XXXX of their selling points is that customers get to lower their interest rate and skip two months of mortgage payments. The process began in XXXX 2016. All forms had been submitted and papers signed in late XXXX 2016. I was in regular contact with Southpoint 's representative via email and phone calls during this time period. I wanted to make sure we understood the process and were doing our part to complete this transaction. Part of my questions pertained to when our next mortgage payment would be due and if we needed to keep paying the bank that owned our mortgage at the time, as I did not want to get behind on any mortgage payments. Part of my questioning included the benefit of getting to skip XXXX mortgage payments. I was in contact with the agent on XXXX XXXX, 2016, to confirm that all paperwork would be signed that evening with a notary from a title company working with Southpoint. However, due to an error on the paperwork produced by the agent I was working with, the first mortgage payment was due XXXX XXXX, 2016. We had made our XXXX 2016 payment ( which was refunded to us by the former bank ). But we did not get to skip another payment. We were counting on that money to take care of a medical procedure for our son. The XXXX XXXX, 2016, payment date was included in the paperwork we signed. However, the notary from the title company skimmed over all paperwork and did not point that out to us. Plus, the paperwork was sloppily prepared with the wrong payment date in the first place. We received our first mortgage payment notice on XXXX XXXX, 2016. It stated that our first payment to the new lender was due XXXX XXXX, 2016, and we would be behind on our mortgage and owe a late fee if the mortgage payment were not made before XXXX XXXX, 2016. Of course we were blindsided by this news. I made numerous phone calls trying to explain the situation to bank and that we had not expected to have to make this payment since XXXX of the selling points of refinancing was getting to skip XXXX mortgage payments. I also made several phone calls to Southpoint, speaking to the agent I had worked with for two months and his supervisor. I explained the situation in detail to them as well. While they admitted that they had made an error in their paperwork, they stated that there was nothing they could do to remedy their mistake.
Product: Credit reporting or other personal consumer reports

I filed for XXXX  XXXX bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. National Credit Systems was included in the bankruptcy. They have now in the month of XX/XX/XXXX added the debt back to my credit report. They are aware that the account they have from XXXX at XXXX was discharged. They then attempted to pass the debt to my son. They are stating that he was a co applicant. However, he was a minor at the time. He was not of age to be on the lease. I have advised this debt collecting agency of this several times. Now they have added this account back to my credit file. At this point, I will seek legal action because this is causing emotional distress. I will definitely be reporting to the bankruptcy court of their continued attempts to still collect a debt that was discharged in federal bankruptcy. This lease was never a co- applicant lease. He was a XXXX  living with his mother. I have been more than patient with National Credit Systems.
Product: Credit reporting or other personal consumer reports

Recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2023 I'm now requesting you investigate this account and update these payments to paid on time immediately. Per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my consumer report and it caused severe XXXX upon me. According to the Fair Credit Reporting act EXPERIAN, XXXX and XXXX has violated my rights as a federally protected consumer. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy -15 USC 1681b ( 2 ) : states that a consumer reporting agency may not furnish an account without my written or oral instruction. 
-15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy Here are the errors as follows : XXXXXXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX OPEN DATE XXXX XX/XX/XXXX XXXX. XXXX XXXX OPEN DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX. XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX To whom it may concern, This account listed below is a complete VIOLATION of the NO SURPRISES ACT, DELETE the listed accounts below IMMEDIATELY from my credit reports. 

XXXX XXXX XXXX XXXX XXXX & XXXX Account number XXXX
Product: Mortgage

My property was foreclosed on while under Bankruptcy protection by NationStar Mortgage Services, I had filed a bankruptcy petition on XXXX/XXXX/2016 and my property was schedule for action on XXXX/XXXX/2016. I was under the XXXX XXXX XXXX which I believe was violated by my lender.
Product: Mortgage

i have been tying to work with Carrington mortgage for XXXX and all they have done is give me the run around i have XXXX XXXX from XXXX XXXX of XXXX XXXX helping me and we she has supitted application 2 times and they have requested same paper work XXXX time in the past XXXX they dont let me make payments so for the past XXXX yrs its been a fight with them XXXX had my file and i was approved they they sold my loan to Carrington and everything went to XXXX by know they should give me my title to my house for pain and suffering i have been stressed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  due to them not working with us its been very stressful