23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notification via a credit monitoring app that a company called Commonwealth Financial added a collection account to my XXXX credit file on XX/XX/XXXX. I checked with my state of Florida Office of Financial Regulation and this company 's license to conduct collection activity in Florida as been revoked/voided since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute and request investigation with late payment reported by Barclay. On the billing cyle for XX/XX/2020, I called Barclay on XX/XX/2020 and requested a payment deferment due to the Covid19 pandemic. Barclay agreed to defer my monthly payment with no late fees or late payment reporting. In the process of home, refinancing my lender notified me of the late payment reporting. I request from Barclay. 
I want Barclay to honor their payment deferment, and to remove from my credit report the late payment reporting. I can be reached at XXXX. Please feel free to call me with any questions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  : 1 ) Reporting Charged OFF ( CO ) for multiple months 2 ) 30 Days and 60 Days late inaccurate, and inconsistent across all three credit bureau 's.

3 ) Inaccurate Date Opened 4 ) Inaccurate Closed Date 5 ) Inaccurate Last payment date.

6 ) Inaccurate Credit Limit Reporting 7What method of verification was used for this, XXXX is lying about doing a proper invistigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I uncovered several addresses that I have never used or lived at after looking over my personal credit file. I also discovered multiple accounts ( listed ), several variations of my name I have never used and dozens of inquiries for accounts I never attempted to get. Personally, I recall receiving information stating that my personal profile was exposed during a computer hack involving XXXX in 2014. It is to my belief that this is where my information was discovered by someone who used it wit out my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX XXXXXXXX, XXXX, and Early Warning to remove a mark/flag that indicates that my account with XXXX XXXX XXXXXXXX was closed due to fraud. I in no way want to open a new account with XXXX XXXX XXXXXXXX, but would like the opportunity to open a checking account with another reputable financial institution. Unfortunately, I can not due to the mark on my consumer report. It has now been close to 5 years since this was reported, and my understanding is that this should have fallen off the report by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 with my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other averse item of information other than records of conviction of crime which antedates the report by more than 7 years. 15 U.S.C 1681 - 2 ( A ) ( 1 ) A pe
rson shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 with my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am actually reaching out due to a account that was opened and is fraud with you guys. I have sent in supporting documents over three times now and still have no resolution. This needs to be corrected as soon as possible as it is affecting my living situation.
Product: Mortgage

My issue is with the current servicer of my mortgage loan, FCI Lender Services. They are ignoring my requests for information and assistance and also do not appear to be licensed to do business in the state of Virginia. My now XXXX husband XXXX and I bought our home back in XXXX. We endured many struggles due to his health issues. Even when he was unable to work and bed ridden and I was out of work caring for him full time we kept up with our mortgage payment. After he XXXX in XXXX I had to use the remaining savings to keep up with bills and handle his affairs and funeral costs. I began struggling financially and started trying to get back to work but it took some time. I thought I would be OK because I had been led to believe I would be receiving survivor benefits but after going through the process found that I was too young to receive this. I ended up falling behind on my mortgage payments. I eventually was able to get a job working as a XXXX ( have worked in this field for 40 years ) but was behind on the loan. I tried to get my loan modified but had issues because the loan got transferred multiple times. I was eventually told that my loan could not be modified because the loan and title were not in my name. I went to court and I was established as the executor of the estate and got all of the paperwork that established that I was the rightful owner of the home. I was then able to engage with the servicer at that time XXXX XXXX XXXX and thought I was making progress toward a modification when the loan was transferred to FCI Lender Services. No one at FCI has been willing to give me the time of day or consider me for any modification options. They have not looked at my current financial information and have not assigned an account manager to work with me to discuss options to resolve my delinquency and modify my loan. I just want to save my home, I work full time as a XXXX and my daughter is living with me and contributing towards bills and the mortgage payment and is going to be staying indefinitely. We can make this work, if FCI would work with me.
Product: Credit card or prepaid card

Continental Finance Verve Card. Each time for the last three months I have attempted to make a payment on time. Each time my payment bounces. There is plenty of money in my bank account to pay for this, and in fact, the bank is not getting the charge - the bank is not charging me for a bounced account.

Each time, there is a problem at Verve card 's end, where the information I have given them is not the information they are using to get my payment. I believe, since this has happened three times now, and I have checked and double checked that the Routing and MICR numbers are correct -- I believe they are doing this deliberately in order to extract late fees and retuned item fees from my account.
Product: Debt collection

On Thursday, XXXX XXXX, I was contact via the phone ( 3 ) times from this collection company representing themselves as CENTRAL CREDIT SERVICES representing what they stated as their client XXXX XXXX concerning a debt. Apparently, XXXX XXXX sold this collection company this debt that originated from an XXXX XXXX credit card account that was opened and subsequently utilized using my personal information in a fraudulent manner. 

I first got wind of this account, along with several other accounts ( XXXX ) that were opened using my social security number and sent to an address in XXXX, Texas to which I have never resided. Furthermore, when I first came to realize this XX/XX/2016, I immediately notified XXXX both over the phone and in writing via the CFPB portal, CASE # : ( XXXX ) regarding this fraudulent debt. On XXXX XXXX, they responded that they were investigating these accounts and would get back with me accordingly. 

At this juncture, they have assigned this debt to their collection company ( CENTRAL CREDIT SERVICES ) to which I am disputing as Fraud. 

Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX did two inquires in three days for the same thing and XXXX XXXX also did two inquires andXXXX XXXX and they should not have. Also I have inquries from XXXX XXXX XXXX, and three other auto dealer I neevr authorized and I keep telling XXXX and experian this and XXXX and they do nothing. I can not even get a credit report from XXXX   and old stuff keeps reappearing that is over ten years old and I dispute and they will not take it off. I have oevr 6 inquires that should not be on my credit reports. Nobody is doing anything and only giving excuses or giving me an automated system and hiding behind that.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and was told I had to have Gap coverage in order for Wells Fargo to approve my loan which I didnt understand at the time because I had my own insurance and couldnt afford additional coverage but was told since I had a high interest rate my insurance wouldnt cover the loan in full if I was in a accident because my vehicle would be upside down and I would owe more then what the car was worth so thats when I signed the policy for Gap insurance in the amount of {$990.00} extra that would be attached to my auto loan/contract per Wells Fargo Bank which I learned today when I contacted Gap to cancel my policy since my car has been charged off as of XX/XX/XXXX and was told to get another loan, trade it in for another car or sell it so I can give them their money which i feel has been wrongfully charged off when Ive attempted to pay them on a few occasions or defer my payment which they didnt approve or accept any of my payments or did their customer rep help me with seeing that my payment would be collected instead she laughed at me while I was crying on the phone trying to get my payment to the bank so my car wouldnt be charged off but they didnt care. When I called Wells Fargo executive today to find out the pay off they gave me a incorrect amount and didnt deduct the extra amount for Gap Ins and was told per XXXX that because car was charged off I may not get a refund or I may have to pay a penalty which was incorrect & was told from Gap that was not true. They are a separate company which is my choice to pay this additional amount. I cancel my Gap ins and immediately contacted XXXX who was now very nice and apologized for being told this was mandatory. She will further investigate this matter that was not handled properly and how dare them treat me this way especially because Im on XXXX and live on a fixed income which I told XXXX XXXX but cant afford Any additional fees not necessary which is proof this policy was not needed and was an option but according to the finance dep it was necessary in order, to secure my car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are unknown to me. My information was stolen and I have been complaining for years. SEND ME PROOF OF MY SIGNATURE WITH THESE ACCOUNTS SO I CAN SUBMIT IT AS EVIDENCE OF FRAUD. REMOVE THESE IMMEDIATELY!! 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$470.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX - XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX  Opened DateXX/XX/XXXXBalance {$0.00} XXXX XXXX Opened Date XX/XX/XXXXBalance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} Bankruptcy Discharged CH-XXXX Reference Number XXXX Amount {$0.00} Bankruptcy Reference Number XXXX Amount {$0.00}
Product: Debt collection

Transworld Systems is furnishing a charge-off account on my consumer report. This is in violation of 15 USC 1692d ( 4 ). You are willingly and knowingly trying to coerce me into making a payment. You are engaging in unlawful extortionate activities that I do not appreciate.

Has Transworld Systems filed a 1099c on behalf of this account?

I am requesting you provide copy of the trilateral contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following Transunion Credit Bureau : Inquiries : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX I did not authorize anyone employed by these Transunion to make any inquiry and view my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original creditor sold the debt and its now reporting wrong balance on my credit report i will like to have this verified and if not deleted from my credit report.
Product: Mortgage

For the third time this year, I requested an escrow analysis be run on my account with different information regarding my tax bill. I received my tax bill from the county and requested yet another escrow analysis ( XX/XX/2023 ) be run because the bank has my estimated taxes at over {$7000.00}. My actual bill is only {$2700.00}. Their overestimate is causing me to pay almost {$500.00} more a month then needed. I would like my escrow to be fixed and a refund for the overpayment. If I am calculating things accurately, I do believe I should be receiving a little over {$4000.00} back due to their error.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an identity theft issue associated with my name and personal information. First and foremost, my first concern Is Reporting 15 U.S. Code 1681b - Permissible purposes of consumer reports that has resulted in identity theft through XXXX DATA BREACH AND DARK WEB DATA BREACH. Per 15 U.S.Code 1681c ( 2 ) ( 3 ) and ( 4 ) your agency shall block the reporting information in my file no later than 4 business days after the date of receipt by such agency. To ensure the integrity of my credit report and to protect myself from further fraudulent activities, I request that you immediately remove any records or information related to this identity theft from my credit file. This includes, but is not limited to, any accounts or inquiries that were created because of the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX  XXXX XXXX  XXXX XXXX not mine XXXX  XXXX XXXX  XXXX never late XXXX  XXXX XXXX  XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX  XXXX XXXX  XXXX not mine XXXX  XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine How is Experian able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent a great deal learning now the difference in finance and credit industry. I have spent a great deal trying to work with EXPERIAN, XXXX, XXXX but nothing more insulting think we don't read our rights. After the appeal to fix my credit report was answered by one so far ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Received letter from XXXX XXXX Services XX/XX/XXXX notifying me of line of credit decrease based on credit report from Equifax indicating a delinquent account in the amount of {$590.00} with XXXX   XXXX. Upon accessing my credit report I discovered that somebody had fraudulently opened an account with this company on XX/XX/XXXX. I proceeded to dispute the fraudulent account with Equifax. Equifax then referred the dispute to XXXX on XX/XX/XXXX. I then received some paperwork from XXXX dated XX/XX/XXXX which I completed and faxed back to them on XX/XX/XXXX. XXXX did its investigation. And in a letter dated XX/XX/XXXX acknowledged that the account in question was not opened by me and I was therefore not responsible for same. Subsequent to that, however, I received an email from XXXX on XX/XX/XXXX wherein they are reversing their prior determination and stating that I am in fact responsible for the fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  have VIOLATED my rights per 15 USC 1681b Permissible Purpose, I have not given written consent for this company to report on my consumer report nor did I give the consumer reporting agencies any written consent to place this on my report. Reporting this is considered identity Theft!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Inquiry XXXX XXXX XXXX XXXX XXXX. I do not recognize the inquiry as reported. The inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered a Covid-19 based forbearance and then later loan modification by my my mortgage servicer XXXX XXXX XXXX 

During the trial period XXXX XXXX sold/transferred my loan to XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX. 

XXXX XXXX XXXX. accepted my trial loan payments and I was able to get a loan modification. 

During this time I made all of my loan payments on time and even 3 months in advance of when they were due per XXXX XXXX XXXX monthly statements. 

Part of the promise made by XXXX XXXX was that once the trial period ends and provided that the loan payments are all made in a timely manner no negative credit reporting would be made to the credit bureaus and any negative reporting would be removed. 

After the trial period was completed and loan modification was entered into on a permanent basis. XXXXXXXX XXXX  XXXX went ahead and provided false negative information to the credit bureaus. 

When I asked them to remove this information they told me they would not even though this is in violation of my agreement. To this day they refuse to correct this information even though they can not proffer any information regarding any delinquencies on my loan.