23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Additionally, previous dates in XXXX which are being reviewed. 
'Mrs XXXX XXXX, as she likes to identify herself, using masked phone numbers to disguise her company has repeatedly contacted me, refused to disclose her real company, refused to disclose the source of the alleged debt she's calling about and demanded payment for an alleged debt. She has also left numerous voicemails stating the same claiming that my 'time is running out ' and that she will also speak to 'third parties ' in order pressure me into giving her money. Upon investigation it was discovered that Mrs XXXX works or may work for Northwood Asset Management in New York.
Product: Mortgage

already lodged a complain but nothing is done Need my answers on breakdown of of principal of XXXX, deffered interest of XXXX, deffered principal XXXX and others XXXX.Need complete history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX XXXX : {$22000.00} XXXX XXXX  XXXX Balance : {$11000.00}
Product: Debt collection

Received notification of overdrawn account for Citizens Bank collections. After calling Citizens they confirmed that there was an account opened in my name. They placed a hold on the account and are filing a fraud form. Was told to contact your organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its a public record from XXXX2017 thats not mines a Bankruptcy
Product: Mortgage

I sent a Notice of Rescission to a claimed creditor, Bay View Loan Servicing, LLC on XXXX XXXX, 2015. This notice is also recorded. Rescission is effective on the date of mailing and it renders the mortgage contract which in my case was a note and deed of trust VOID by Operation of Law. 
The unanimous XXXX Court Ruling decided on XXXX XXXX, 2015 and written by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX is the most recent ruling from the highest court on the matter of TILA Rescission. 
If Bay View wanted to oppose the above mentioned Rescission, they could have done so in the 20 days following the date the notice was sent. 
Because Bay View Loan Servicing, LLC has ignored the notice of Rescission and has not filed a lawsuit in the 20 days following the notice date, the Rescission in question can no longer be contested or opposed. According to TILA, Regulation Z, and the XXXX Court, the Rescission was effective the moment the notice was mailed. 
Bay View Loan Servicing, LLC has not responded directly to any communication including to the notice of Rescission sent to them on XXXX XXXX, 2015. 
XXXX Trustee who initiated foreclosure proceedings on my permanent residence with and for Bay XXXX Loan Servicing continues to file legal notices about a pending foreclosure as if mortgage documents still existed for the property in question. XXXX Trustee was notified of the notice of Rescission yet they deliberately ignore the law. 
By Operation of Law, no note or deed of trust exist for the above mentioned property. 
" ... .if there is no note and mortgage then anything that happens afterwards is void because you ca n't get a foreclosure on a mortgage that legally does not exist even if a copy of the mortgage is sitting in county records. And a sale would also be void. " Who will make Bay View Loan Servicing, LLC and all of the parties they seem to direct, XXXX Trustee and claimed partner/servicer XXXX XXXX XXXX Bank with addresses in New York and Texas accountable to obey the law? 
I would appreciate the CFPB looking into this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

It's been going on for the past year to present. There are so many instances however the huge drops of XXXX or more points are explained that it just happen 's!! I explained that this can't be your explanation! It has to caused by some negative credit. Additionally, I get collection notices ( a few ) that were from companies that I paid or companies from several years old some XXXX  years that did not report this on my credit report for years and years back that showed I had made payments however, the show back up after I settled the account in past. Equifax doesn't remove it because they don't see what I'm pointing out, they explain that the collection agency reports differently. Sometimes it will come from different credit reporting collections however the original company was the same I settled. XXXX is XXXX, another is any collection company on my report not settled. I can't get anywhere despite this back and forth correspondence between me and Equifax. I'm really exhausted. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts on my credit report that do not belong to me they are not mine I have not approved or signed for these. I have tried to reach out to the bureaus but they will not help me out. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've learned that all of my information with equifax belong to someone other than myself. My drivers license was stolen, social security card & a copy of my birth certificate have been made. To began with my parents are deceased yet their social security numbers are being used by   XXXX   XXXX  . She once lived with my late father, his name is   XXXX   XXXX  . His social security number is  XXXX . He have been deceased since  XXXX . I reported his death to the social security department. He was a veteran. My mother name is   XXXX   XXXX   XXXX  , she have been deceased since  XXXX . My mother social security is   XXXX   it is still active. A seven year fraud have been placed on   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  . My youngest child have a   XXXX   XXXX   & he is a substance abuser. His name is   XXXX   XXXX   XXXX  . His social security number is  XXXX , his date of birth is  XX/XX/XXXX . He born in   XXXX   XXXX    at   XXXX   XXXX   hospital. He received social security benefits, all that is not being by someone spelling my name as   XXXX   XXXX   XXXX   &   XXXX   XXXX   they ate stealing hold support benefits from social security. The  XXXX  Family is using   XXXX   XXXX   to steal tax returns & my social security benefits. Wire transfers are being done for IRS to deposit refunds into their account with  XXXX . The   XXXX    belongs to  XXXX . Maker U S Treasury  XXXX .   XXXX   XXXX   XXXX   is - XXXX . A  XXXX  employee changed the last digit on my drivers license number on a check   XXXX   XXXX   sent me.
Product: Vehicle loan or lease

I am not familiar with this account. I have contacted ONE MAIN concerning this account my letter was delivered on XX/XX/XXXX the tracking number is XXXX XXXX XXXX XXXX XXXX. ONE MAIN has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Product: Debt collection

I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with Spring Oaks Capital LLC, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights.

1. Send full detailed list of payment history on this account 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that two credit cards were opened under my name in XX/XX/2018. I'm working with a financial counselor now to correct these mistakes as they negatively impacted my credit and I am now receiving statements regarding these debts. We filled out a report on Identitytheft.gov and contacted the credit bureau and creates a security freeze on my accounts. An account with XXXX is under my name now with a balance of XXXX and an account with Barclays with a balance of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. 

In accordance with the Credit Reporting act XXXX XXXX Account 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: Debt collection

On XX/XX/year> I requested a copy of the XXXX XXXX XXXX to verify that the debt was purchased significantly lower than the amount they say I owe them. And further they have put a lien on my primary residence
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report last XXXX XXXX since I received a letter from one of my creditors that they are lowering my credit limit due to a negative report of my credit. I found out that a credit card issued by Discover Financial Services was opened last XX/XX/2019 without my knowledge and authorization with a credit limit of {$5000.00} and unpaid balance of {$4900.00} and still ongoing as of todate..Per credit report account was closed by Discover on XXXX.I disputed the account last XXXX XXXX. Per Discover report to XXXX the account was accurate.However I never applied nor authorized anybody to open an account with Discover. I do not have or have had any account with Discover.I went to XXXX Police Department and file a complaint of Identity theft with Police Report file no.XXXX.I have also filed to Federal Trade Commission Identity Theft Report with FTC Report No . XXXX.
Product: Debt collection

I have over a 90 day period dispute these account to remove accounts with credit bureaus. Due to many inaccuracies. I sent a demand to comply letter. My letter to the Credit bureau have gone unaddressed within 30 days. The credit company is not complying with their own policies in a timely manner. I need accounts ( see attachments ) to be removed from my credit profile immediately.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX, I have disputed the discrepancies on my credit report for over 10 years with very little success. I have used each agencies platform and their platforms tools that are provided to correct this information but to no avail. I am requesting that the Consumer Financial Protection Bureau investigate all three consumer reporting agencies Experian, XXXX, and XXXX on my behalf. The current discrepancies and inaccurate personal information is causing substantial damage to my credit history and impeding my ability to obtain new personal credit as well as XXXX  credit. Experian, XXXX, and XXXX are in violation of the Fair Credit Reporting Act. Specifically 15 U.S.C. 1681s-2 under the Fair Credit Reporting Act ( FCRA ). This section of the law outlines the responsibilities of those who furnish information to consumer reporting agencies ( credit bureaus ) and sets the legal obligations for ensuring the accuracy of the data they provide. I have made XXXX Consumer Financial Protection Bureau complaints in total on the following dates : XX/XX/2024, XX/XX/2024, and XX/XX/2024 for Credit reporting and Improper use of my credit report. I request that all derogatory and negative information be removed from my consumer report. According to the Fair Credit Reporting Act it is Experian, XXXX, and XXXX 's Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ) : Furnishers of information have a duty not to report information they know, or have reasonable cause to believe, is inaccurate. 
If the accuracy of information is disputed by a consumer, the furnisher must correct, update, or delete any inaccurate information after an investigation.

Duty to Correct and Update Information ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) : Furnishers must update or correct any information they find to be inaccurate, incomplete, or that needs to be updated, in order to maintain the integrity of consumer reports.

Duty to Investigate Disputed Information ( 15 U.S.C. 1681s-2 ( b ) ) : Up
on receiving a notice of dispute from a credit reporting agency , the furnisher must : Conduct an investigation regarding the disputed information.

Review all relevant information provided by the agency. 
Report the results of the investigation to the credit reporting agency. 
Correct or delete any information found to be inaccurate or incomplete as a result of the investigation. 
The FCRA has established the legal grounds for consumers to dispute and rectify inaccurate credit reporting data. Private Right of Action : Under 15 U.S.C. 1681s-2 ( b ), consumers can bring legal action against furnishers who fail to comply with their investigation and correction duties once a dispute is raised with a credit reporting agency. However, consumers can not sue furnishers directly for failing to provide accurate information under 15 U.S.C. 1681s-2 ( a ) ; only state and federal agencies, like the Federal Trade Commission ( FTC ) or the Consumer Financial Protection Bureau ( CFPB ), can enforce that part of the law.
Product: Mortgage

I tried to work with the servicing company for WF for several years before i lost my house. I was one of the customer that got caught up in the predatory lending scandal and i could never get my loan modified with WF for some unknow reason. This resulted in me loosing my house. I am not sure under this lawsuit if I am eligible for any any funds but please look into this for me and/or direct me to who can help if its not you. It has been a number of years but there is something that could have been done for me on WF part of the deal being my lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto now financial, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$9200.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$470.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible .Self Financial / Lead BA, AC # XXXX, XXXX, Amount {$40.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible .Chrysler Capital, AC # XXXX XXXX XXXX, Amount {$8100.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible Credit Acceptance, AC # XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX XXXXXXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 my identity was stolen to fraudulently open an account with XXXX. I filed a police report and followed the procedures with XXXX to verify that it was not my account. XXXX sent me a letter stating the account is not mine. I sent the proper paperwork to all three credit bureaus. 

XXXX and XXXX immediately corrected the issue and removed the fraudulent account information from my credit record on their respective systems. 

I have tried three times to have Equifax correct the issue and they are refusing to do so. I have a letter from XXXX sating it is not my account and a police report. This has been going on for 18 months. 

I have also called Equifax and they ignore me. This has prevented me from getting new credit and cost me hundreds if not thousands in additional interest because of the higher interest rates I must pay with this incorrect, fraudulent negative credit account hurting my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union rental department ran my credit twice for the same company without my permission. My credit File is locked I did not receive a call or email stating that a company was trying to access my credit report. This action caused my credit to drop XXXX points that was negligence on TransUnion and I asked that it be removed in my credit score to be adjusted accordingly. I sent the letter out but I had no response
Product: Mortgage

I contacted several lawyers in XXXX to close on my XXXX XXXX XXXX XXXX, N.J. house. All of the lawyers told me that I couldn't buy the house for one reason or another and that the house belong to a pool of homes that could not be sold. After calling just about every real estate attorney in the area I received a call from XXXX XXXX XXXX who told me that he could close on the house. Many documents that were signed by the sellers and the closing Attorney show that the property being sold was XXXX XXXX XXXX. I contacted XXXX several times and he convinced me that this was no problem. I have been trying to close on the house for years now and the deals fall through for one reason or another, the bottom line is that XXXX XXXX XXXX XXXX who bought XXXX XXXX XXXX XXXX  has no proof of the mortgage. At first I was told that I would have it in 7-10 business days then it changed to 4-6 weeks. XXXX XXXX XXXX XXXX  has no proof of the mortgage. I refinanced with XXXX XXXX in XXXX and XXXX XXXX has no proof of the mortgage being paid off with the refinancing and have no discharge records what so ever. XXXX  XXXX has been requested about 10 times to produce a copy of the cancelled check paid to XXXX XXXX XXXX XXXX  and the discharge records. I continue to get a heap of papers and never get the requested information. I NEED TO GET A COPY OF THE CHECK PAID TO XXXX XXXX XXXX XXXX  AND THE DISCHARGE RECORDS. ALL I HAVE RECEIVED IS A PILE OF PAPERS THAT DON'T INCLUDE THE SPECIFICALLY REQUESTED CANCELLED CHECK AND DISCHARGE RECORD.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) umer data and not adequately notifying affected consumers. 
XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting or other personal consumer reports

Please erase these inquiries. I lack any knowledge about this, and the company did it without my authorization.
Product: Debt collection

I contacted Lockhart Morris & Montgomery to discuss the settlement of this debt that is now 5 years old. 

The date of delinquency should be XXXX not XXXX, they refuse to change the status to honor the first date of delinquency and never provided validation information beyond a contract from XXXX that shows the date of XXXX. 

I want a fair settlement with XXXX XXXX XXXX. 

I could no longer attend and complete the program due to a DUI that was incurred when taking the class so had to leave. 

I could not complete employment with XXXX due to to this unfortunate circumstance. 

The inacurrate negative reporting date is not legal based on requirements I have read.
Product: Debt collection

I received letter from Midland Credit Management to collect debt. The company do not have contractual agreement that bind me to account. Account does not belong to me. I asked company to provide contractual agreement that bind me to account in XX/XX/2019. Midland failed to provide documents within 45 days. However they reported inaccurate information to credit bureaus. 

Also midland reports collecting from XXXX XXXX company that was on my report. XXXX XXXX account was previously disputed and deleted from my credit profile due to not also having a contractual agreement that binded me to account.