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

Pursuant to 15 USC 1692 ( a ) Southwest Recovery Services used abusive practices in regards to acquiring my personal information as I have not opened an account with them nor did I give written consent to have my information. Southwest Recovery Services also violated 15 USC 1692j ( A ) because SOUTHWEST RECOVERY SERVICES have contacted me in the past numerous times posing as a debt collector to collect debt from me, the consumer. Also 15 USC 1692g ( b ), this " alleged collector '' has failed to provide me with PHYSICAL proof showing my ORIGINAL contract with the ORIGINAL CREDITOR containing my signature. Southwest Recovery Services sent me a copy of an " alleged statement '' stating that it was verification. This does not contain original documentation nor does it contain my signature. My personal information was not permitted in writing by me, the consumer, stating that Southwest Recovery Services can retrieve my personal info which is fraud, which is a violation of 15 USC 1681b ( 2 ) which states that I have to give written instruction for my consumer report to be disbursed. This account is on all 3 of my credit porting agencies, XXXX, XXXX, XXXX.
Product: Mortgage

After multiple calls and emails finally, my account is current. XXXX was able to resolve the delays in the process of applying the payments. My monthly payments were always received on time. Unfortunately, the mortgage company report my account twice to the credit bureau even when they know that XXXX was trying to resolve the delays. I call and explain this matter to a customer service team and with loss mitigation but until today my credit report is showing me the delays and my score went down.
Product: Mortgage

I assumed the loan on my own home in XXXX of XXXX  and Freedom Mortage deleted my account and has yet to create a new one or give me access to see my information. They claim they deleted the account after I assumed the loan to " protect the previous loan holder, '' however, I am the previous loan holder. 

I can not log in to pay, communicate, download statements, or see tax documents or any of my information pertaining to my home loan unless I call them and ask for it. Again, the account was originally under my name to begin with. They said they would remedy it in a few weeks, but I have called them month after month trying to get it fixed with no answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them and put a fraud alert on my account as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the credit bureau responded back with verified and updated. After calling them, they told me if I believe this was unauthorized, please contact the creditor and still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on my Experian credit report. Regarding the following inquiries. 1 ) XXXX XXXX   XXXX Inquiry from XX/XX/2017, & AGAIN on  XX/XX/2017. I have disputed these unauthorized inquiries for several months with no help from the companies or Experian. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature from all companies inquiries. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent. XXXX XXXX XXXX is a third party for another company and keeps telling me that they will not investigate these two inaccurate inquiries that they requested on my credit file. XXXX XXXX XXXX keeps referring me to the credit bureau to investigate or XXXX XXXX XXXX. It is NOT my job to track all of these companies down. These are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. I am asking for these unauthorized inquiries be deleted from my credit file immediately! XXXX  & XXXX  have deleted these unauthorized inquiries and now I am demanding that Experian do their job and abide by the laws!!
Product: Mortgage

I am in the hardship program and owe for two months. Using their online service, I submitted a payment for {$300.00} ( all I can afford right now ) only to discover a few days later, they withdrew {$1100.00} from my account instead. This then sent my checking account into a downward spiral, negative balance, and sent me into a huge confrontation with my credit union that charged me {$120.00} in fees. I think what I find so disturbing is all the complaints exactly like mine on the Internet despite all these " regulatory '' agencies that are obviously NOT doing their jobs. There are thousands of complaints about this company!! What company is as much of a nightmare as this one year after year after year and NOTHING HAPPENS TO THEM? Companies that have done far less have been shut down. XXXX? Right now I am demanding Nationstar refund my money/reverse the charge and return the funds back to my checking account. I have filed a complaint with the CA XXXX as well. The real point is no one cares in any of these agencies because if they did, this company would NO LONGER EXIST. Advice : do n't give Nationstar access to any of your accounts. Delete the info from your online account. MAIL in your payments.
Product: Debt collection

I have been contacted -- called directly, my sister has been called, and I have been getting physical mail -- by Alpha Recovery Corp . 

Address : XXXX XXXX XXXX XXXX Unit XXXX XXXX CO, XXXX They state that I owe {$8400.00} from XXXX debt. I have contact XXXX directly and have confirmed that I owe no such debt, and they have advised me not to give any information to this collections company as it is likely a scam. I couldn't get the company I " owed '' the debt to over the phone from Alpha Recovery unless I gave them my information, but that is what is listed on the letters I am being sent. 

The main person calling is XXXX XXXX at Alpha Recovery Corp XXXX XXXX but the number has been changing since XXXX continue to block their calls, previous numbers are : ( XXXX ) XXXX, ( XXXX ) XXXX ) and she refuses to release any information to me about this debt unless I give her my Full name, date of birth, and last four of social security number. When I refuse I am sent to a " manager '' who yells that they already have all my information and need to verify that it is me, asking me to comply and give them the information they need. At one point they said in order to verify they needed to call me back to " set up a secure line. '' At this point I hung up and have been blocking their calls but they are rather relentless, and it is now harassment. They have called my sister asking for this information as well -- I am unsure how they got this information. 

The first call was on XXXX XXXX 2021 and have been consistent since then to present. 

Recently I have now been getting letters from XXXX XXXX XXXX XXXX XXXX regarding this debt as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name {$480.00} XXXX XXXX {$180.00}
Product: Debt collection

RMP was assigned to collect 3 bills assigned to them by XXXX XXXX XXXX XXXX. Creditor Ref # XXXX - {$120.00} Creditor Ref # XXXX - {$8.00} Creditor Ref # XXXX - {$95.00} for a total of {$220.00}. 

On XX/XX/2021 these debts were paid in full via my bank debt card on line on their website rmpeasypay.com to which I received a payment successful for each item from RMP with the following references : Ref # - XXXX for the amount of {$95.00} Ref # - XXXX for the amount of {$120.00} To date their website rmpeasypay.com shows I still owe this money and they are reporting it to all 3 credit reporting agencies that I have not paid my debts, when in fact, on their own website it shows both, that I paid the debts, but I still owe the debts and they are not removing these items or giving me relief from the debts that I have paid for in full on XX/XX/2021. 

I have emailed RMP on XX/XX/2021 to which I have not received any response and I formulated a dispute through XXXX credit bureau to which RMP has advised them that I had 'NOT '' paid these debts, when in fact I have per their own website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2023, and XX/XX/2023, a hard inquiry was put on my credit report TransUnion. inquiry made by XXXXXXXX XXXX XXXX XXXX was added to my credit report. I have neither applied for any new credit nor put in any applications for anything nor given any company permission to make any inquiries regarding my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted all 3 major credit bureaus via phone and letters to challenge accounts that are not reporting to my credit report correctly either these are not my account or information is invalid either way they need to be removed and blocked. I received a letter indicating refusal of removal for the following accounts that need to be removed immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy, XXXX  and Chapter XXXX bankruptcy.
Product: Checking or savings account

This is NOT a duplicate complaint!!! Any other complaint was submitted without XXXX knowledge. This is in regards to my adult son who is XXXX XXXX. He was taken advantage of by an online company that racked up several thousand dollars in charges. As his guardian, I need to let Huntington National Bank know what has happened. As I said, my son is XXXX XXXX. He is on social security XXXX. He doesnt have the XXXX XXXX to know what he is doing. He was duped by a company called XXXX. They duped him into making debit card charges directly to them and through XXXX. I didnt even know he had a XXXX account until going over his bank records. These charges are on his bank statement as XXXX XXXX and XXXX . It looks like some of these have been refunded but others have not. The ones that werent refunded are ... XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$530.00}, {$1000.00}, {$1000.00}, {$1000.00}, {$540.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$750.00}, {$1000.00}, {$860.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$1500.00}, {$1000.00}, {$1000.00}, {$1000.00} XX/XX/XXXX {$300.00}, {$500.00} These funds were supposed to pay for his in-home care. Im an old man and cant take care of him like I used to.
Product: Money transfer, virtual currency, or money service

Dear CFPB, Complaint About XXXX PayPal XXXX. 

It's a great honour and privilege to write to your great office on this very day, regards to the permanent limitations placed on my PayPal account for over 7 good months now and PayPal XXXX XXXX have refused to release my funds. In details of what happened. I received a payment from my friend who is domiciled in XXXX XXXX XXXX on XX/XX/year> sum of XXXX GBP at the point of receiving this payment, XXXX XXXX XXXX requested me to provide my means of identification in other to access my funds, I provided all that was required and explained to PayPal that purpose of this payment I received in my PayPal account is meant for my family support, after I provided the necessary documents, PayPal XXXX XXXX permanently limited my PayPal account, I contacted PayPal via an email to know the reason for the limitation in my account, PayPal told me I have gone against the PayPal user agreement which I signed before signing up to PayPal that I have to wait for 180days before they could allow me withdraw my funds, I appealed to PayPal XXXX XXXX to please release my funds or refund the payment to the sender so I can receive the money via other means but PayPal XXXX XXXX insisted on holding my funds till date, I have also contacted PayPal to remind them that the 180days which they said they would release my funds suppose to end on XX/XX/year> but PayPal XXXX XXXX is not responding to me anymore, I came to find out recently when I logged in into my PayPal account that the funds in my PayPal account is no longer there and my PayPal account is currently negative without any notification from PayPal XXXX XXXX, dear sir, I appeal to your great office to please help me appeal to PayPal XXXX XXXX to please release my funds to me as they have caused me a lot damage and have kept on pressure for a while now. 
Thank you.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit card or prepaid card

Capital One has overcharged me on interest since I opened the account at a rate of over XXXX percent when the current rate is just over XXXX percent.
Product: Mortgage

I submitted my mortgage assistance application to Rushmore on XX/XX/XXXX along with a Quit Claim deed From XXXX XXXX : XXXX has no vested interest in the property since XXXX, we do not have communication. I would like for my modification to be reviewed with my financial income along with my husband as a contributor since we are financially responsible for the loan. I have provided all the documentation requested from me. attached again is the quit claim deeded that was recorded almost 14 years ago if you could find XXXX and make her submit her documentation great however she has not contribute or been around for the last 14 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review the details below : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have taken proactive measures to dispute these fraudulent items with both the credit reporting agencies and the concerned creditors. Regrettably, despite providing supporting documentation and evidence of the fraudulent activities, I have not received a satisfactory resolution. These items persist on my credit report, causing ongoing damage. I strongly believe that these fraudulent items are a result of identity theft, which deeply worries me in terms of its potential impact on my financial well-being. Enclosed are copies of the dispute letters I have sent to the credit bureaus, along with documentation substantiating the fraudulent nature of the contested items. Despite this compelling evidence, the credit bureaus have failed to conduct a proper investigation into my dispute and continue to report the fraudulent items on my credit report.
Product: Credit reporting or other personal consumer reports

Since the beginning of XX/XX/2024, I have been attempting to resolve inaccurate and misleading information on my credit report. Despite multiple requests for corrections, the company responsible has failed to address these inaccuracies, violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). The company has not only neglected to ensure the accuracy of the information they reported but also failed to conduct a proper investigation upon my disputes. 

Furthermore, I never gave my consent to this company to share my personal information or to collect on an invalid debt. This unauthorized sharing and collection of information further constitute a breach of my rights under the FCRA. The company 's actions have resulted in significant harm, including potential damage to my credit score and financial reputation.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation I realized that my personal information was exposed in several different data breaches as well. I have no recollection of applying for any of the accounts in question and they are negatively impacting my credit severely. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX  days. 

These fraudulent accounts are not only damaging my credit, but they are also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further damage to my financial well-being.
Product: Debt collection

Due to my financial situation and being on XXXX I took out a loan thinking that I would able to pay it back, but due to the amount of accumulated interest rates and other fees, I'm unable to do anything about it. 

I have contacted this company ( XXXX XXXX ) on numerous occasions and have requested that they not call me, but they continue to do on a regular basis.

One day last week, they contacted me and just as I hung up the phone, they called right back again.
Product: Credit reporting, credit repair services, or other personal consumer reports

i just got this account deleted from my credit report. HOWEVER it was on my credit report with XXXX XXXX XXXX! But because the collection agencies are so CORRUPT, they deleted it because they HAD TO! They just merged with XXXX XXXX XXXX and put it back on my credit report under the merging companies name!!! Which is XXXX XXXX XXXX WHICH IS A VIOLATION! This account was already deleted because it COULD NOT BE VALIDATED! THIS IS A VIOLATION!!!! YOU CAN NOT PUT THE ACCOUNT BACK ON MY CREDIT REPORT UNDER ANOTHER CORPORATIONS NAME AFTER IT HAS ALREADY BEEN DELETED BECAUSE YOU DID NOT VALIDATE IT!!! THIS IS A VIOLATION AND FRAUD!!!! Nor have i ever heard of XXXX XXXX XXXX! Who are they?! I the CONSUMER have never done business with or signed a contract with this CORPORATION! IT IS A VIOLATION FOR THEM TO FALSIFY ACCOUNTS ON MY CREDIT REPORT! ITS ALSO A VIOLATION FOR EQUIFAX TO REPORT FALSE ACCOUNTS ON MY CREDIT REPORT WITHOUT PROOF OF THIS ACCOUNT BEING VALID! THIS IS A VIOLATION! AND FRAUD!!!!
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX have utilized my information without proper consent. Reporting and selling my information to each other. Giving promises of credit. Hindering me from life, liberty, and the pursuit of happiness to live freely. Therefore the information which is being reported to my consumer credit profile is false. 15 USC 1681s - 2 states that a person must not provide information about a consumer to a CRA if they know or have reasonable cause to believe that the information is inaccurate. Per 15 USC 6802 - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. the consumer is given an explanation of how the consumer can exercise that nondisclosure option. A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. All of these agencies are third party agencies and did not have my written consent to disclose my personal information for any basis of inaccurate information being furnished on my consumer credit profile. The 3 main credit reporting agencies : TransUnion, XXXX, & XXXX have been known for their deceptive practices, unlawful dealings of publishing false information on consumers credit profiles. They have also breached my rights under the Privacy Act of 1974. The Federal Educational Privacy Act ( XXXX ) for sharing my personal information with these agencies for monetary value. These companies, knowingly and willingly continue to disregard the FCRA Law, FDCPA & FTC guidelines which they all sign under their Indenture Trustee/Trustee/Servicer/Depositor SEC Forms . It is a VIOLATION!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX {$3100.00} XXXX  XXXX {$2500.00} CHAPTERXXXXBANKRUPTCYXXXX  {$0.00} CHAPTERXXXXBANKRUTPCYXXXX-XX/XX/20-XXXX-XX/XX/20 {$0.00}