23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TODAYS DATE : XX/XX/XXXX CREDIT CONTROL SERVICE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have constantly contacted the reporting agency and the creditors.. they have failed to provide any validation of the inquiry but remains on my credit report instead of being removed
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Today, XX/XX/XXXX of XXXX, when I am reviewing my Experian Credit Report I found an open account from " XXXX XXXX XXXX '' for the amount of {$2500.00} that was updated on XXXX XX/XX/XXXX into my Experian 's credit report. 
I don't know nothing about this account and this account do not belong to me, also why Experian allowed that this company ( as per XXXX " XXXX XXXX XXXX  stands for XXXX Companies XXXX through XXXX XXXX '' ) posted this debt on my credit report. 
Experian works to support this kind of illegal / fraud scheme instead of protect our credit information, this fraud does not appear on the other company like XXXX and XXXX. 
This is not the 1st time I have problems with Experience, last year they did a mistake and after I placed a complaint in this site, they finally resolved the issue without any consequences. 
I need facts that this CC belong to me! 
Thanks
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$6400.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$6500.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$14000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$810.00} XXXX # XXXX XX/XX/XXXX - Balance : {$470.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$740.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1600.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting

On XXXX XXXX ( case # XXXX ) and XXXX XXXX, XXXX ( case # XXXX ), I filed to disputes the {$250.00} collection on my credit report by XXXX which located at XXXX, PA. ON XXXX XXXX, XXXX, which I checked my credit report for status, I noticed now, there are XXXX collections and they are duplicated reports for the same amount and the same dates on my credit reported for collections ( now, for XXXX x {$250.00} ). I called the Equifax to inform them for duplicated report error, They told me nothing they can do for me, I have a choice to open another dispute case which I did. The new dispute number is XXXX. Not only they did not put effort to resolve my disputes, they made my credit report worth than it was originally. The XXXX removed the report on my credit report on XXXX XXXX entirely.. It is very clear, it is their mistake. I need to remove the collection report entirely and the report by XXXX is not valid. Which I explained on my separate dispute regarding collection agency. 
The Equifax representative were extremely pushy and anxious to sell their service to me, which I refuse to accept it.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Act 15 USC 1681 codes ( a-J ) I have a right to a fair and accurate reporting of my credit. 
EXPERIAN and XXXX have continually vilolated my rights and continuaally report inaccurate and balatant fraudualnt info on my report. I have sent the FTC ID theft Affidavit report back in XXXX of XXXX  to report of the errors along with settement notices of XXXX data breach that involved my name. 
Experian and XXXX still shows adresses that are not mine nor have I ever lived anywhere near these addresses. 

XXXX has the adresses of XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

Experian has XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX The account XXXX XXXX the account wasn't verified because XXXX doesn't have this account with my address this account is at an unknown address and EXPERIAN and XXXX has lied saying they verified. 
XXXX XXXX account has been inputted again with a 4 different numbers for the same account. # XXXX # XXXX and this account was notified of ID theft back in XX/XX/2022. 
My name is XXXX XXXX but EXPERAIN has refused to update my name and is still showing fraudualnt names. 
XXXX XXXX XXXX is not my name. 
Iwant these accounts deleted a or compensate me for my traumatized time I have tried to rectify theses violations of my consumer rights! 
I have attached the a copy of the FTC affidavit I have filed with them in XXXX along with my XXXX data breach notice along the a new Affidavit To show proof of two diiferent numbers for the same account. 
I have also attached acopy of my credit report to show poof of blatant inaccurate errors on my report.
Product: Credit reporting or other personal consumer reports

I financed a vehicle through XXXX XXXX XXXXXXXX XXXX XXXXXXXX which was unfortunately totaled. I had gap coverage that paid off my loan, yet the financial institution claims that I still owe them money. Despite filing multiple disputes regarding this issue, no action has been taken. The information being reported to my credit is incorrect ; my balance should be XXXX since the loan has been fully paid.
Product: Checking or savings account

. The level of service I have encountered is unacceptable and has led me to seriously reconsider my relationship with your bank. 

Over the past several months, I have experienced numerous issues with my account, including unexpected charges being applied almost daily. 

These charges, small as they may be, seem to be an attempt to slip by unnoticed, but I assure you, I have noticed every single one. 

While I have filed numerous claims and have won 90 % of them, I am perplexed as to why my account continues to be mishandled in such a manner. 

It feels as though my account is being " played with, '' and I am frankly exhausted from having to constantly monitor for mistakes that should never occur in the first place. 

My dissatisfaction is not limited to these erroneous charges. I have had the unfortunate experience of dealing with customer service representatives who are not only unprofessional but also struggle with basic communication in English. 

On several occasions, representatives have been rude, raising their voices, and even shouting at me, rather than resolving my concerns. 

Such behavior is not only unprofessional but also entirely unacceptable. I deserve to be treated with respect and to have my issues addressed competently, neither of which has occurred during these interactions. 

Furthermore, I have had to repeatedly request new debit cards due to unauthorized access to my account, a situation that seems to be compounded by Chase 's known security vulnerabilities.

It is alarming to me that Chase a prominent financial institution, is unable to provide a secure environment for its customers ' accounts. 

I am at the end of my patience with these repeated issues and the substandard service I have received. 

If these problems are not immediately addressed, I will have no choice but to escalate this matter further. I am prepared to contact your Human Resources department, take my complaints to the news media, and seek legal representation to ensure that my rights as a consumer are protected. 

It is my hope that you will take these concerns seriously and take immediate steps to rectify the situation. Legal matters will be involved. 

I would appreciate a prompt response detailing how Chase Bank intends to address these issues and ensure that they do not continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a complaint on XX/XX/2021 with XXXX after viewing my credit report and noticed that there was an account that did not pertain to me. I sent them an identity theft victim complaint and affidavit with my California driver 's license and certified police report from the XXXX XXXX police department to support my claim. They told me that they had forward my document to CHRYSLER CAPITAL with account number XXXX as a fraudulent account that they would remove the account. This account is fraudulent and needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) ( B ), as highlighted in the XXXX XXXX recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I had requested that midland credit management cease all communications as described in the Fair Debt Collection Practices Act. To date they are still communicating with me. In my last complaint, they stated that they are allowed to report to consumer reporting agencies and that the term communication only refers to direct communication. However this completely goes against the procedures that were clearly defined in the FDCPA which defines the word communication as " the conveying of information regarding a debt directly or indirectly to any person through any medium ''. Consumer reporting is an indirect medium that this agency has chosen to continue to communicate a debt. This clearly violates my cease and desist request. This is my last warning before I proceed with legal action.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following creditors has violated my rights : XXXX Account number : XXXX Creditor : XXXX Account number : XXXX Creditor : XXXX Account number : XXXX Creditor : XXXX Account number : XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604! Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

This complaint is for the company XXXX XXXX XXXX Comenity Capital Bank ), they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. Moreover, I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested for verification of this account and send out disputes to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance, or obtain new lines of credit.
Product: Credit reporting or other personal consumer reports

Signed up for consumer program offered by company However info company providing doesnt add up
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX XXXX XXXXXXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Mortgage

Hi I decide to write this letter because recently I 've been doing research and is appalled by what I discovered. The more I read on about the SCAM that Wells Fargo and American Services Company is responsible for pulling off its amazing how a XXXX dollar company is allowed to take advantage of the citizens of this country. 

The problem started when I had trouble paying my mortgage that I had with Wells Fargo. I had family problems which caused me to fall in default on my loan. My monthly payments at that time were about {$1800.00}. After speaking with Wells Fargo the solution I chose was to refinance the mortgage with a company called American Services Company. My new payment every month will now be about {$2000.00} every month. 

Now this is where the SCAM comes in. American Services Company now told me I did n't have enough money in my escrow so the following month my mortgage payment would be raise to {$3500.00}. ASC and Wells Fargo were well aware of my financial capabilities as well as my financial vulnerabilities. They chose to exploit the vulnerabilities. 

Numerous times I called ASC and tried speaking to customer service reps and every time they told me that there was nothing that can be done. I just refinanced an {$1800.00} a month mortgage to a {$2000.00} mortgage by making a few budget cuts and financial sacrifices. 
Unfortunately the problem still did n't stop there. My mortgage was now {$3500.00}. I was able to get {$3200.00} and sent ASC a check. ASC sent the check back and responded they would n't accept any partial payments and charged me with late fees and interest. The following month it was the same thing. Now if I did n't have {$7000.00} plus the late fees and interest ASC was n't interested in negotiating or accepting any partial payments. So overtime these charges just accumulated. 

This same story happened to citizens all over America. I read before that the attorney general had a settlement with Wells Fargo. Why are they still allowed to foreclose on people 's home
Product: Payday loan, title loan, or personal loan

I opened a personal loan in the spring of XXXX for {$50000.00}. This month, I contacted SoFi seeking to refinance with a lower interest rate. 

Their online system quickly gave me several options. In order to complete my application for refinancing, I needed to establish my income for XXXX and XXXX. 

When I opened the loan I was a W-2 employee, but in XXXX XXXX, I left that company and started my own XXXX. As a result, they asked me to provide both my XXXX and my XXXX taxes in full. 

When I tried to upload those documents to their system, they where too large. The company had no other means to accept these documents. 

I pointed out that my XXXX income was established when they approved my initial applicatoin and they agreed, but they still had no means for me to send them my entire XXXX return. 

They also insisted that I complete the XXXX return -- it couldn't be in draft form. They also asked for business banks statements which I was able to upload into their system. 

Keep in mind that they were insisting that I file my taxes before the XXXX deadline. I pointed out that I owe the IRS money this year. Why would I lose 4 months of cashflow in order to save 4 months of lower interest payments? My federal tax bill exceeds the interest rate savings by thousands of dollars. 

Ultimately I told them that since they couldn't accept my tax documents anyway, even if they were completed early, I wanted to withdraw my application. I then asked them if they had placed a hard hit on my credit. 

They had. 

I asked them to contact XXXX  to suppress that credit request as I didn't want my credit score impacted. They agreed to and indicated that it would take as much as 90 days and that I needed to follow up with XXXX. 

Today SoFi told me that they " denied '' my application. How can they deny an application that I never fully completed? 

Again, I will follow up with XXXX  to be sure my credit report isn't impacted, but here 's the thing that is so stupid -- I have paid this loan on time every month. I just want a lower interest rate. And my income is greater now than it was when I applied for the loan and my credit score is actually higher. 

This makes no sense that I would be negatively impacted because they don't have a system in place to help clients like me.
Product: Mortgage

My mortgage was purchased to Mr. Cooper ( Nationstar ) from previous lender Seterus, Inc. Once I received notice from the Mr. Cooper , it also included a past due bill that indicated I was 50 days late and missed both the XX/XX/2019 and XX/XX/2019 payment. My house was in jepordy of foreclosure. In addition, the principle balance and monthly payment had increased. Upon my initial inquiry I was told the payments from the previous lender must not have been transferred over correctly. I submitted 2 years of payment history to SeteruXXXX from my XXXX XXXX XXXX on line banking to Mr. Cooper. It is impossible to reach the research team, they do not interface with customers. My claim was denied according to a customer rep even thought I showed them proper payments. Each day I speak to someone new in their customer service department and continue to get different answers. They have since reported delinquent to my credit reports, and continue to tack on fees. This company 's inaccurate reporting, threats of foreclosure and increase of my mortgage principle is terrifying. You can not get anywhere, I was left with no choice but to pay the amount in dispute that I have already paid, since they threated placing a lean on my property. It is not fair, the reviews of this company are terrible, I am at a loss of what to do.