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

After applying for a mortgage with my current mortgage lender, this lender pulled my Experian credit report. This is fine and expected. 

Experian sold my information to a different mortgage lender who has called me, unsolicited. This is not fine. I do not want to be harassed, nor do I feel comfortable with my financial info and social security info being sold to random companies. This is personal. I was under the impression that companies such as Experian were supposed to protect my privacy, not sell my privacy. This is disgusting and I feel violated. 

I attempted to contact Experian. However, their customer service is set up in a way to prohibit customers from getting serviced by a human person. Given that I have XXXX  health challenges that make it difficult to type as I am forced to do now to explain myself, I needed to speak with a human. This was not possible using the customer service number provided on their website, XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at CREDENCE RESOURCE XXXX on XX/XX/year> under the account number ( XXXX ), with a balance of {$250.00} that appears related to another account opened at XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned account, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$460.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with XXXX, Experian, and XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023 and have not received a response. As a result, they are in volition of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Debt collection

London & London contacted once, stating that I owe an alleged debt to XXXX XXXX  XXXX XXXX I replied to London & London as shown in the attachments. London & London did not reply to my request but instead violated me with a lawsuit. 

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Product: Checking or savings account

XXXX : Cash app closed my account which was fine with me but when I went to withdrawal the remaining funds on my account it says I'm not allowed to link a debit card to my account or a new debit card which it clearly states in their closing agreement that if I can't withdraw my funds then I can link a new debit card to it well I contact support and they say that they escalated it to fix my problem okay and that's the only information I got and they said it could take up to 30 days it's been almost 90 and I'm still getting the same results from these people I just want my to be able to withdraw the last of my funds and they have made this such a bad headache and a problem no one is trying to help me and they are trying to keep my money from me please make them give me my friends please Amount:XXXX $ No action was tooken to help me by the company cash app
Product: Debt collection

I have asked for debt validation in the form of a signed contract on numerous occasions. They have failed to provide such contract, and prove that I owe them a debt, in the amount of {$1300.00}. I have notified them that all income that I receive is exempt from creditors and that they must cease to make attempts to collect an unvalidated debt. 

According to Sec. 207. [ 42 U.S.C. 407 ] ( a ) The right of any person to any future payment under this title shall not be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. 

With this company continuing to pursue this debt, it has created a added stress on my survival on a fixed income, and my ability to provide for myself. All of my income is protected and there is no benefit to continue harassment and reporting of this unverified debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX resolved disputes with transunion that does not reflect on my credit report but rather shows not changed. I demand it changes and reflects correctly on my report.
Product: Checking or savings account

On XX/XX/2022 i was informed that I had insufficient funds in my account, even though I have overdraft protection. Wells Fargo charged me for the OD protection and charged me {$35.00} for each transaction ( there were 2 ). 
When I called to discuss this with Wells Fargo they were only able to reverse a portion of the overdraft fees. They claim that the reason they could not reverse all of them was due to my relationship and history with the bank. I have been a member of Wells Fargo for as long as I can remember and I've never had such problems with them. The economy is terrible right now and every little Penny makes a big difference for those of us who are not wealthy. I think the overdraft fee protection practice should be stopped and Wells Fargo should lower the amount of money that they charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, sections 605b within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Kindly delete the following fraudulent items : 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 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: Debt collection

Asset Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I have received dozens of calls to my cell phone from Asset Recovery Solutions. They are trying to contact someone named " XXXX XXXX. '' I'm not sure who this person is, or if this is the correct name for the person, but it is not me. I have spoken with an employee of this company in the past explaining that the person they are trying to contact is not me. They have the wrong phone number for the person that owes the debt and to take my number off their list. They have not honored my request and continue to call my phone. 

What has prompted me to file a complaint is the call I received from Asset Recovery Solutions on XX/XX/18. Once again I explained that I am not the person they are trying to find, that I have requested for my number to be removed from their list in the past, and they claimed I never did so, and if I did, that maybe an employee had a " mishap '' in properly removing my #. 

I've received calls from XXXX on XX/XX/18, XX/XX/18, XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 x XXXX XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 I can not verify if every single one of these calls is from Asset Recovery Solutions. This is also not a complete list of calls from this company. Some calls I did not answer. Some calls I answered but the automated system didn't register that I had picked up. Some calls I answered and the person asked to speak to " XXXX XXXX '' ( sp ) and I explained it wasn't me and they would just hang up. 

I believe the majority of these calls were from Asset Recovery Solutions, as I have had this same # for over 10 years and have never had any unwanted calls until Asset Recovery Solutions started calling. 

I've requested Asset Recovery Solutions to provide a call log of all calls and attempts made to my phone number and they have denied my request saying that they do not have to do that. 

I have now sent them a cease and desist letter through certified mail.
Product: Credit reporting or other personal consumer reports

I disagree with your choice to deny my allegation of identity theft. Why do you have the right to determine whether or not I am a victim? You have neither the authority nor the legal basis to make such a decision. If you don't agree to my claim, I'll get help from my lawyer to take this matter to court. I must stress that my identity theft claim complies with all legal requirements. As required by law, I have turned in an official report to a government agency. Together, let 's work to find a solution to this problem in the allotted five days. XXXX XXXX I want to be very clear that I will not stand by and allow this egregious injustice to continue. You will pay a price if you continue to reject my legitimate claim. I have no qualms about consulting with my lawyer and seeking a court order to address this ridiculous circumstance. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. My frustration and anger are beyond measure, and I am resolved to see this blatant injustice rectified. The law is on my side, and I will not rest until justice is served. 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

My name XXXX XXXX XXXX and I want the fraud alert permanently deleted from my file. I have called several times and also tried to delete it online but your staff and system was having technical problems doing so, I didnt ask to have this alert placed on my account and its causing me mental distress. Please delete it immediately.
Product: Credit reporting or other personal consumer reports

This is regarding an account on my credit report that lists XXXX XXXX as the original creditor of account XXXX. XXXX XXXX responded to my last CFPB complaint stating that the account was reported as 180 days past due, but according to the payment history reflected on my credit report, 180 days is reflected for 2 consecutive months in 2019. How does the meet FCRA regulations? Furthermore, the CFPB complaint was closed with explanation ONLY. There were no supporting docs, just a response from the company. Please see the attached credit report which shows the inaccurate information reporting for XXXX and XXXX of 2019. This error is obviously listed on my credit report which creates further speculation of your company 's furnishing of incorrect information. I am requesting you provide the payment history that would validate Experian 's reporting. Also, explain how there is 180 days past due in XX/XX/2019 and XXXX past due in XX/XX/2019. I am requesting that all correspondence is via CFPB for a paper trail in case of legal proceedings. Lastly, the vehicle in question Under the laws of UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all the required notices were properly and timely given to me per law, and all the allowable redemption and cure time limits were adhered to. I demand Original Validation proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS, 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL, 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL, 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FCRA. Furthermore, you are hereby notified that at no point in time and under no circumstances are your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.
Product: Credit card or prepaid card

The bank claims there are charges to my account on XX/XX/2021, yet these charges ( unauthorized ) do not show on my statement, or transaction history. After calling the bank on XX/XX/2021 to lift the hold placed after disputing the charges that are not shown, I was unable to make purchases with the card. If they were not unable to lift the hold, it should have been said, instead of having my attempt purchases declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed the items below on XX/XX/2022, and XX/XX/2022 but the bureaus did not remove them. 

Sec. 602 I have a right to privacy XXXX  XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX
Product: Credit reporting

There was a judgment filed on me several years ago, but it has been paid in full. The judgment is still showing as active. My wife and I refinanced our home in 2012 and at that time we paid off the judgment. I will attach a copy of our HUD Settlement Statement.
Product: Debt collection

I was contacted by blackrock mitigation asked what this was about, they said they have been trying to serve legal documents for court action, but have not been able to do so with many attempts, no one has done that at my current address of ten years, I proceeded to ask what company they were collecting for, they could not give me info without permission from there manager, at that point I knew it was a scam, bad thing is they had ss # & address and name, ,they need to be contacted someway by you, I checked my credit report I do not have anything to collect on, there phone # XXXX, from Indiana That's what caller i.d . said Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a recent data breach and, as a result, several unauthorized accounts and inquiries have been placed on my credit report. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all accounts and inquiries listed below, which are a direct result of the data breach, be blocked and deleted from my credit file. 
The following accounts have been fraudulently opened in my name : ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$740.00} INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize he following inquiries listed below. there were not obtained with my consent. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX
Product: Mortgage

We had a bankruptcy in the past but it fell delinquent due to our health issues. The bankruptcy was dismissed. Shortly after that, PHH declined taking our payments. They repeated told us to apply for modifications and that there would be no reason that we wouldn't be eligible. We applied so many times and were denied every time. We were told there was no way to talk to the underwriter department and we had to wait to talk to our specialist. Appointments were usually several weeks out. This only meant that while waiting for each modification review ( and the results ) and waiting to hear from our specialist, we only had more money delinquencies as the months stacked up. We applied for the Help For Homeowners and were found to be eligible for a substantial amount. We called PHH and indicated as such and we were told that they would take the money towards the arrears and would divide the remaining arrears over 2 years so we could get caught up. The state was indeed ready to send the funds only to have PHH also request even more copies of the previous copies they already had. PHH talked with our state specialist and informed them, as well, that PHH would be accepting the payment and working with us. After MANY more months we have only received hang up phone calls from PHH. We again were told to send in income letters, proof of employment, etc. to PHH. We again did that as a " formality ''. We shortly thereafter received notification that PHH will not be accepting the money or working on any repayment plan. They plan on resuming the foreclosure from where they left off about 2 years ago. By not taking a single payment from us for 2 years we are now not only behind the original amount but now add in the additional {$20000.00} that has been adding up while " working with '' PHH. PHH also felt the need to add an additional {$12000.00} for attorney fees. The amount of time that has passed has not only been so much unneeded stress but has resulted in the inability to file for a XXXX XXXXXXXX as the monthly payments would be too high. It's our understanding that if you file bankruptcy you are not entitled to the money offered thru Help For Homeowners and that would put our house payment well over {$2500.00} a month when you include our current payment along with the arrears. The value of the home is only {$160000.00} and we lived here 25 years. Our state worker has even submitted modification paperwork on our behalf as she, also, wasn't getting answers from PHH. We believe and feel strongly our case has been " dragged out '' needlessly from PHH as they didn't want to work with us at any level. Had the denial happened 2 years ago, we could have filed and saved the house. Now with all the time that passed and more arrears mounting, PHH basically is planning on taking our home as we can no longer file and make that bankruptcy payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report due to the fact that I was trying to get a vehicle loan. And then there is an inquiry on there I do not recognize neither does the dealership that I bought from.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit Bureaus have inaccurately reported an account by the name of XXXX XXXX XXXX. On my XXXX report it says this account is OPEN and the last payment date was made XX/XX/XXXX, and the original balance is {$29000.00}. On my XXXX report it says this account is CLOSED and the last payment date was made XX/XX/XXXX and the original balance is {$28000.00}. On my Experian credit report is says this account is CLOSED and the last payment date was made XX/XX/XXXX and the original balance is {$29000.00}. 

They have inaccurately reported an account by the name of XXXX  XXXX XXXX on my credit report. On my XXXX report it says the last payment was made XX/XX/XXXX. On my XXXX report it says the last payment was made XX/XX/XXXX. On my Experian report it says the last payment was made XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute for all of the 4 ChargXXXX off accounts on XX/XX/2022. I then called on XX/XX/XXXX to check the status and on XX/XX/XXXX I was sent an email from XXXX stated they were verified. And that can not be true because on XX/XX/XXXX, they told me that they needed to place a dispute with the companies, and it could take up to 30 days and I went over the accounts. So how can I call on the XXXX and then receive a " verified '' status on the XXXX. That is false investigation and I demand that they have these accounts removed immediately. Not only are they reporting inaccurate information, but they also have my account linked to the wrong social security number as well. I have been disputing these accounts on all 3 credit reporting agencies for over a year and they have continuously reported inaccurate items taht need to be deleted. This has caused stress for me and my family and our financial stability to take care of our family. I have suffered from stress and XXXX dealing with the credit reporting agencies and there inadequate and wrongful reporting 's according to Fair Credit Reporting Act.
Product: Credit card or prepaid card

An electronic payment was made to Comenity Bank on XX/XX/2022 in the amount of {$4300.00}. It has not been credited to my account. Comenity Bank is charging me interest and penalties in the amount of {$750.00} as of XX/XX/2022. 
I have notified Comenity bank on numerous occasions in writing and phone calls to no avail phone calls were made on XX/XX/2022, XX/XX/2022, XX/XX/2022. Numerous emails filed on their website.
Product: Debt collection

On XX/XX/2022, I paid my XXXX account 's debt owed to XXXX  for the amount of {$55.00} to the debt collection agency XXXX XXXX XXXXXXXX On XX/XX/2022 XXXX XXXX sent my account for the same debt amount of {$55.00} to I.C. Systems Inc. for collection. I have contacted both parties and they have refused to resolve this issue.
Product: Debt collection

Today XX/XX/23 at XXXX XXXX  cst I received a text message from a debt collector. This is after hours from Allegiant Capital and message shows to call XXXX