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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, BANKRUPTCY XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, KY XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccuracy and unauthorized inquiry on my credit report. Upon reviewing my report, I found an inquiry on my Equifax credit report in error. I request that the inquiry for XXXXXXXX XXXX dated - XX/XX/year>, be removed from my profile. I did not open account during this time, nor do I recognize this inquiry. Please remove this inquiry from my report immediately. 

Prior to reaching out in writing, I attempted to resolve this issue via phone. Unfortunately, my calls were consistently routed to representatives outside of the United States, who were unable to assist me effectively. Despite my efforts, I was not afforded a fair opportunity to resolve this matter. As a result, I am now seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure that my credit report is corrected. 

I would appreciate your prompt attention to this matter and request that you take immediate action to remove the disputed item from my credit report.
Product: Debt collection

I receive a telephone call from " XXXX with XXXX Advantage Recovery '' stating there was a claim associated with my sister 's social security number. The number she called from is XXXX. This call was made to my cell phone. Another call from the company was made from telephone number XXXX ( which looks like a local number in my area ) to my cell phone and XXXX to my home phone. " XXXX '' attempted to verify the last 4 digits of my sister 's social security number.
Product: Mortgage

Instead of using partial payments and showing a partial payment went towards the next payment on their app it looks like youve made the payment and then youve made a partial payment and so theres so much confusion regarding regular payments and partial payments that none of the payments get processed and then they get reversed eight days later instead of them being a timely transaction, they take Eight days or longer and so the app says youre all caught up and then all of a sudden youre 52 days late because theyve reversed a bunch of payments that didnt go through for like 10 days and then they charge you fees for it and then it change your credit when you thought you were all paid. When you asked the company for additional information about your payment transaction history first they say theyre gon na send it to you via email and then they dont.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX RE : XXXX XXXX XXXX XXXX Im writing concerning a credit company by the name of XXXX XXXX. I advised XXXX customer service rep that I didnt want ACH withdrawn from my XXXX checking account but instead they used a back in portals. I also emailed them as well. I also went ahead and placed a stop payment before as well. XXXX credit made several attempts and got into my checking account. XXXX didnt an investigation on XXXX XXXX after I filed a claim against them stating I had made several calls into their center requesting no withdraws from my checking. Please sent invoice through US mail only. The company refused to honor my request and made 2 attempts to get into my checking account by using different portals. XXXX did refunded my checking for the amounts {$680.00}. 

Now, as months as gone by XXXX XXXX has now placed a debt on my credit report for {$2500.00}. Can anyone in this division help me? The XXXX claims dept. phone number XXXX and my claim #. I have attached email and stop payment form and bank statement and XXXX claims investigation letter, claim # XXXX and XXXX.
Product: Mortgage

My mortgage company XXXX sold my mortgage to Green Tree Servicing in XXXX. I was told that it would be seamless. Instead, I started receiving collection notices even though my payment was made to XXXX in XXXX from my auto-pay with my bank. Green Tree says they have not received the payment even though I have submitted the documents requested including my bank statement showing the loan amount deducted from my bank account on the scheduled day and the email from XXXX acknowledging receipt of this payment. A representative from XXXX also conference called a customer service representative named XXXX and reaffirmed my payment and the date the file was transferred to Green Tree. Also, I was originally told I could n't make my XXXX payment until the XXXX payment issue was resolved, so that payment was also outstanding. Finally on XXXX XXXX, the collection department urged me to make and accepted a payment for XXXX over the phone which is now showing as having paid my XXXX payment. Where is my money I paid in XXXX? Why is it taking so long to clear up a very easy situation. Please help me get the XXXX payment applied as it should have been by XXXX XXXX in this transition according to the information I received about the move to Green Tree Servicing.
Product: Mortgage

I had a mortgage that was purchased by Ocwen Loan Servicing many years ago, I never agreed to do any type of business with this company. It was on or about XXXX of 2014, when I had some damage to my home. I put in a claim with my homeowners insurance company, The did everything that they needed to in order to issue a check for the damage. This check was written to Ocwen and myself. according to Ocwen, I was instructed to complete the needed repairs, paying all repairs from out of pocket expenses. I informed ocwen that I was not in a financial position to do this. they refused to sign the check and allow me to pay a contractor. At this time the home was no in any condition to reside in. I was forced to leave this causing me to not be able to pay the mortgage cause i had to pay to live elsewhere Since then they have placed my account with an attorneys office for foreclosure. I told the attorney that i would sign off so they can just take the home. Ocwen has been calling me up to XXXX times a day even after i have talked to a rep they would continue to call.
Product: Mortgage

I am an XXXX XXXX  male who owns real estate property in a prominent suburban neighborhood, and I feel that I have been discriminated against due to unfair practice of a Real Estate Appraisal Report who unfairly devalued my property. 
These are the concerns, a ) the appraisal underestimated the square footage of my home dating back to its original listing in XXXX and previous appraisals reports, the square footage was reduced down to XXXX square feet, rather than its actual square footage of XXXX, and b ) there were other recent comparable properties that sold in my neighborhood that was not considered, especially one that sold for much higher value at the same square footage the appraisal listed in the report nearly {$50000.00} difference.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for Purpose.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accountsXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Mortgage

I HAVE APPLIED FOR THE MORTGAGE ASSISTANCE BUT THE SERVICER IS REFUSING TO REVIEW MY FILE THEY ARE REFUSIGN TO REDUCE MY PAYMENT AND RATE BASED UPON MY INVESTOR GUIDLEINES XXXX XXXX.
Product: Mortgage

After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, Specialized Loan Services, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now Specialized Loan Services ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale.
Product: Checking or savings account

on XX/XX/XXXX there was an email notification alerting that someone had accessed my chime account and a {$900.00} transfer from my bank to chime was pending. Upon noticing I emailed chime placed a dispute and closed my account. Chime begun to alert me that they needed to reopen my account to handle the dispute ( XX/XX/XXXX ). Once the account was opened the fraudulent signee began to draft {$5500.00} to my chime ( XX/XX/XXXX ). After alerting chime they said that I would have to await a response in order to be services. The fraudulent acts were happening in real time and their XXXX hour window was too long and the funds began to get sent to various accounts and XXXX. After noticing chime was not handling this quickly I had to lock my back from chime but keep the chime account open to handle the dispute. Now there are XXXX disputes in due to how the funds were sent fraudulently. XXXX Dispute closed returning back to me {$1800.00}. They declared I could hold onto the money until the dispute closed. The other dispute for {$4500.00} was declined and chime closed my account involuntarily ( XX/XX/XXXX ). Also on the XXXX I was alerted that the team was working on the dispute. Other emails state that my account has violated terms and must be terminated. I have spoken to customer service and always get members who seem to be reading from a script. They have no sense of urgency and have needed to speak to a manager every phone call which in some cases they would not give me.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PORTFOLIO RECOVERY would verify the debt. So I took it upon myself to ask PORTFOLIO RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking # XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Other financial service

Returned check amounts for XXXX are showing as unpaid balance.Telecheck Services were held accountable for illegal services, and innacuracies against consumers. Sued for failure to follow guidelines for check reporting information ; Telecheck was required to pay consumers fees in return for innacuracies. Suit was filed in XX/XX/2014. Several checks that Telecheck states are unpaid, but have been paid are still pending as balance owed on my credit report.
Product: Debt collection

Delete this collection account and send this account back to XXXX to fix.
Product: Credit reporting or other personal consumer reports

I came across several billing issues on my credit report, especially late payments that don't reflect my actual payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to buy I brand new car from team XXXX XXXX Nj which is located in XXXX XXXXXXXX XXXX  XXXX, XXXX, NJ XXXX. In XX/XX/2019 Unfortunately since its the first experience for me I trusted the finance manager that he will do the finance through his company only but I found out he run my credit score almost 23 times with deferent lenders which effect my report and I even didnt get the approval from his company although I was 100 % coalfield to. He chose the lender who gives him more commission and charge me with 11 % interest rate for 6 years which will cost me to pay the vehicle price 1.5 time the real sale price. I have no option that time but since that time Im suffering with the monthly high payment which is {$590.00} and I found out that I cant refinance as he said.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute with the credit bureaus regarding inaccurate information reporting on my credit report. I disputed a public record that contain inaccurate information. I received letters that the information was verified and to contact XXXX XXXX XXXX. 
after a thorough investigation, the public record has been removed and deleted from my XXXX profile. XXXX initiated a dispute on my behalf and have not gotten a response back from the credit bureaus. 


chapter XXXX bankruptcy- XXXX
Product: Credit reporting

I filled out online form for my free credit report with Equifax it did not go through they said they needed more information, I mailed them the information they requested and still no Free annual Credit Report from them or any other Credit Report. This is causing me a problem if there are items I may need to dispute as found in other reports. 
I would like this resolved
Product: Debt collection

Telerecovery is in violation of 15 usc 1692e ( 14 ). False or misleading representation. Telerecovery are debt collectors using more than one name to confuse the reader and actively reporting on my consumer report as different names. I am requesting date of assigned alleged debt and a contract between Telerecovery and XXXX. Telerecovery stated to contact XXXX Law Firm who they claim is representing for XXXX also. A corporation can not represent another corporation because a corporation is a minor meaning it can not speak for itself. Also no attorney can represent a debt collector nor can an attorney be a debt collector that is a violation of 15 usc 1692e ( 3 ). An attorney is in fact an individual adding himself to an action he had nothing to do with. Individual is separate from the corporation. This is an infringement upon a consumers right to privacy.
Product: Credit reporting or other personal consumer reports

I hereby state that I have never authorized these companies to access or pull my credit report, nor have I ever applied for any form of credit with them. Any inquiries made on my credit file were done without my consent and are therefore unauthorized. I request immediate removal of these inquiries from my credit report and expect a prompt resolution to this matter. Unauthorized credit inquiries can negatively impact my XXXX XXXX, and I take this issue seriously. Please provide documentation proving any alleged authorization ; otherwise, I demand these inquiries be deleted immediately.
Product: Debt collection

XXXX XXXX FSA-ID Student Help Center Citrix XXXX Department of Education These are all the companies associated with this scam - which is essentially funneled through one company - XXXX aka XXXX. 

This all happened between XXXX EST to XXXX EST on Thursday, XX/XX/2018. 
The phone he called me from is : XXXX and the email he used to email me was : XXXX. 

The address signature and other info in his email is as such : Processing Dept Customer Service : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX He proceeded to direct me to : XXXX, claiming he was working with the Department of Education, telling me my loans were being converted from Navient to a company called XXXX. I have saved all the emails. 

He also apparently created an ID for me in the website : https : //fsaid.ed.gov and hacked his way into that as well. I called FSAID and they were absolutely no help when I told them that my identity had been stolen and I was a victim of fraud. They kept me on hold for 10 mins and never once apologized for what was going on. 

The other emails came from : XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX The guys supposed name is XXXX XXXX. He told me he was working the department of education and federal government under the Obama and Trump initiative to help lower student loan payments for people in debt. I did fill out a form on their website and he called me directly and that is when he proceeded to impersonate a government affiliated official. He asked me for my driver 's license number, my social security number, my debit card account number, home address, email, mobile and finally asked me to email him 3 pay stubs from my job which have the last 4 of my banking account number. 

He scammed me out of {$500.00} that I was saving to make an interest payment on my student loans. What kind of person hears your story and then capitalizes on your pain? I'm sick to my stomach about this and can't believe I fell prey to such an evil person. Be aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear CFPB Representative, I am writing to formally dispute inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit file. Upon reviewing my credit report, I found the following errors and respectfully request that they be investigated and removed accordingly : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} This account is over XXXX years old and, per FCRA Section 605 ( a ), should no longer appear on my credit report. Please remove it immediately. 

XXXX XXXX Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} This information is inaccurate and unverifiable. Under FCRA Section 611, I request that it be corrected or removed from my credit report. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX This account is over seven years old, and per FCRA Section 605 ( a ), it should no longer be reported. Please remove it immediately. 

XXXX XXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX This account is over seven years old and should no longer appear on my credit report per FCRA Section 605 ( a ). Please remove it promptly. 

I kindly request a thorough investigation into these discrepancies and for my credit report to be updated accordingly. I also request a written confirmation upon resolution. 

Please find enclosed copies of my credit report highlighting these accounts and any supporting documentation. If you require additional information, do not hesitate to contact me at [ Your Phone Number ] or [ Your Email ]. 

Thank you for your time and assistance in resolving this matter. I appreciate your prompt attention to this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing in response to your recent correspondence regarding an alleged debt in your possession. 

According to your communication, you claim that I owe a debt to J

efferson Captial. Before any further action is taken, I request that you provide me with validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ).

Please provide the following information : 1. The original creditor 's name and contact information.

2. The original account number associated with the debt.

3. The date the debt was incurred.

4. The total amount of the debt, including any fees or interest.

5. Documentation establishing your ownership or authority to collect this debt. 

I am exercising my rights under the FDCPA to ensure that the debt is valid and that I am dealing with the rightful owner of the debt. I also request that all collection activities cease until the requested information is provided and the debt has been validated. 
Please be advised that failure to validate the debt within the statutory timeframe will result in me disputing the validity of the debt and pursuing further legal action as necessary to protect my rights.