23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I receive multiple calls from Affiliate Asset Solutions XXXX, LLC. Apparently, they are also known as XXXX XXXX XXXX XXXX, XXXX. I have a phone number that used to belong to someone else, and the previous owner incurred a lot of debt. They call me countless times per day, typically under scam likely tags, although their business name is found easily with a quick XXXX search. Their calls have disrupted sleep and work, costing me more money than the petty debts they are trying to collect that arent mine to begin with. I am being harassed by this company.
Product: Credit card

I recently closed a Capital One secured credit card. I did so after a minor identity theft issue. Capital One locked my card and told me I had to submit a birth certificate, social security card, XXXX or employer information, proof of address and driver 's license to unlock the card. But given the identity theft I was not willing to do that. So once I closed the account I was guaranteed my deposit ( {$200.00} ) minus and balance on the card would be returned to me ( {$51.00} ) within 3 weeks. It has now been 3 months and nothing. I began making calls only to be told I needed to verify my identity in order to get my money. I even had my bank conference in and tell them it was me, I verbally verified my social, the bank offered to reverse request the funds all of which Capital One refused. They will not release the money until I send one of a kind documents digitally to them.
Product: Credit reporting or other personal consumer reports

I've gotten the most recent copy of my credit report and noticed that there are incorrect remarks and accounts regarding my credit on my report
Product: Debt collection

I was told this was an attempt to collect several different medical debts that XXXX  sold it to some place called sapientes funding to cover up that it was medical related, who then handed it over to XXXX XXXX XXXX to handle. These debts were paid by insurance and all copays were paid. There should be no debt owed.
Product: Credit reporting

I have had several issues in the past year with Equifax. I have no issues getting credit information thru XXXX or XXXX. Equifax claims there is no credit information tied to my name, address or social security number. I contacted my bank whom I have had several auto loans thru and they stated they are sending information to all XXXX bureaus every 30 days. I contacted Equifax and they tried throwing everything in my court saying I needed to prove who I am by sending copies of my drivers license and social security card via fax. How is it that XXXX of the XXXX bureaus have no issue with my identity and reporting from multiple lenders yet according to Equifax I do n't exist? Honestly, I am extremely uncomfortable about having to prove to Equifax who I am when I have already done so with all the lenders whom I have accounts with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I checked my credit report and it has been brought to my attention that Commonwealth Financial Systems has 3 negative remarks on my report of {$280.00}, {$56.00}, and {$870.00}. The total debt they are claiming that I owe them is {$1200.00}. On XX/XX/XXXX. 2021 I mailed Commonwealth Financial Systems a registered letter via certified mail ( see certified mail receipt.jpg )., requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see request of validation.pdf ). Commonwealth Financial Systems has failed to provide any validation bearing my signature that I owe them is debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX Secured credit card with account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card or prepaid card

Barclays unfairly reduced credit limit and demanded payment 3 times the monthly payment for incorrect reasons ; " delinquent in the last 12 months and credit inquiries. '' When I try to reason with their representative, he refused to allow me to speak with someone in authority to rectify this matter. I explained to this person that their recurring payments tied to this account and the credit reduction would unfairly affect those accounts. I have made timely payments on this credit card account notwithstanding being on social security as a retiree.
Product: Credit reporting or other personal consumer reports

i have called this company several times ( XXXX ) about the loan that was open when i locked i was locked up in jail from XX/XX/XXXX till XXXX of XXXX i have filed police report and sent proof and done a ftc report XXXX and XXXX are failing to anything about the negative fraud accounts reporting to my credit thes loans was taking out round the same time these are causeing hardship to life and impacting me in ways that making it hard to recover from
Product: Student loan

I took out student loans in year XX/XX/XXXX to enroll in XXXX XXXX of XXXX XXXX Washington. I was XXXX years old and was  promised an education that would ensure financial security in order to repay the loans. I was promised opportunities to meet with people in the field for which I was studying to get in to and job fairs to meet with potential employers. No employers showed up to any job fairs even though we students did. It wasn't until I went to continue my education elsewhere that I learned they weren't acredited and I would have to start over even though I was several 10 's of thousands in debt. I've never had employment in my field of study. XXXX XXXX has since been shut down for preditory behavior regarding student loans and falsifying information to coerse naive students into obtaining loans for their for-profit schools. I have reached out to my student loan servicer for information regarding recent litigation on my loan. I've made attempts at repayment to one servicer only to be contacted by another claiming they held my loan. I don't even know who holds my loan currently or if I qualify for any of the loan forgiveness ordered by recent litigation. I've contacted FedLoan who has sent me the most recent statement asking for information, only to be told to contact the department if education ( which their paperwork claims to be apart of ) and was given a disconnected number. I do not feel that I should be held responsible for repayment of a loan to a school that was found to be a fraud as they already took 2 years of my life in hard work to pass their meaningless classes to get degrees nobody will recognize. Im attaching a photo of a statement from FedLoan that states the loan was dispersed XX/XX/XXXX which is 18 years after the initial loan. Im also attaching documentation of my attendence to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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, 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 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

I am filling a request again today, to inform you that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

WELL FARGO/XXXX XXXX XXXX This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. 
I recently disputed this account with the XXXX  credit reporting bureau, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : This account has been in violation and been reporting negative over 9 years. The last activity date was not reported which is 9 years old ; to make this debt remain on my report beyond the status of limitation. I need all payment history from the time I open this account till to date to support your record. 
Base on my class action law suits your company has a tendency to do this to your customer. This is right it is not fair and its clearly a FCRA violation. 

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 
All correspondence should be sent to my attention at the above address. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 there were many inaccurate accounts on my consumer report, which these inaccurate accounts are affecting my credit report I never got any validation for any of these close accounts nor for the inquiries that stated on my consumer report I was never contact by the credit agency XXXX XXXX for a reinvestigation nor the companies havent seen a written consent proof that states that these accounts belong to me a file, the FTC report as well. I stated that these accounts had to be removed. I sent letters stating the accounts that were inaccurate which they were not resolved. I also stated when I spoke to XXXX XXXX about the data breach that happened within the company that was not addressed as well. I am trying my best to be able to work with this company, knowing that I can not in trust any personal information with the company do to them, allowing my information to be leak not only I gave them a chance to be able to do the right thing and to be able to resolve the issue but they did not clear the accounts that were affected my credit report I would like proof of consent and original contract with these companies. And also I would like to know why is my credit score a different score with XXXX XXXX and also a different score with XXXX and also on the website of XXXX XXXX I would like for my credit score to be accurate and updated as well I received phone calls different companies that I never gave my information to stating that I open the business account. And also I want to add that is XXXX resolve the issue with the inquiries that was found inaccurate on my consumer report data also be removed off of all other credit agencies
Product: Consumer Loan

I took out a loan with LoanME, INC. on XX/XX/XXXX2016 in the amount of $XXXX I did not have the necessary knowledge at the time to understand why I would be paying $XXXX in the long run. I cannot afford payments of $XXXX netherless 115% monthly. I tried to resolve my debt to lower interest but that has become impossible. They are taking advantage they hold a California licensing but its unfair how they abuse the interest to individuals like myself who are in need of instant cash but pay for it in the long run. This is unfair I feel is abusive , emotionally XXXX and leaving customers in more debt then when they got the loan. I heard they were XXXX before to which they were shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get XXXX and Equifax to resolve the issue on these two accounts. I have complaint about the HIPPA privacy violation and have complainted to XXXX for their assistance. I am continue to receive calls about my medical condition wich is againt the HIPPA law. I have also filed complaints with CFPB and directly with XXXX and Equifax and as of today no resolution. Please comply with my request. I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : DISPUTED ACCOUNTS 1. XXXX XXXX XXXX Account number XXXX 2. XXXX  XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

I am submitting another complaint to inform you that I have fallen victim to identity theft. I visited the FEDERAL TRADE COMMISSION website https : //www.ftc.gov again and filed an identity theft report. Per FCRA Section 605b, Credit Reporting Agencies are mandated to eliminate any items listed on an identity theft report, specifically under my reference # XXXX. Please find the attached documents to aid in the removal of inaccurate information that is currently being reported on my credit reports. The following is a list of inquiries and an inaccurate address that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies shall remove any items in the file of a consumer identified as information resulting from alleged identity theft not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these entries are fraudulent. 
The following account must be blocked and deleted immediately : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Additionally, the following inquiries must 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 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, credit repair services, or other personal consumer reports

XXXX is in credit violation by reporting information incorrectly. I am requesting that this account be removed from my credit reports immediately as it is not reporting correctly.
Product: Mortgage

Ocwen,  our mortgage servicing company, ca n't explain why we have  XXXX  plus fees due on our account. I would like to have a forensic look at our documents over the past 6 years with them. How do I go about getting something like that done.?      Kind Regards   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX, Consumer Social Security Number : XXXX ), Consumer Date of Birth : ( XX/XX/year>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 TransUnion 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 a personal credit card account opened a XXXX  on 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. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

SPS Loan # XXXX XXXX XXXX XXXX, XXXX CA XXXXPlease also refer to CFPB complaint Filed XXXX/XXXX/2015 - Case # XXXX - docs attached. 

Short Sale was faxed to SPS on XXXX/XXXX/2015. 
On XXXX/XXXX/2015 we had to file a CFPB because SPS never offered the homeowner any alternatives to foreclosure, and was refusing to entertain the possibility of a short sale - which is a violation of the California 's Home Owners Bill of Rights. 

They have since postponed the foreclosure and claim to be working on the short sale. SPS obviously uses the term 'working ' lightly .... 

XX/XX/XXXX We received a counter offer from SPS. 
XX/XX/XXXX We submitted the buyers response to SPS. 
XX/XX/XXXX SPS requested a line item on the HUD to be removed. 
XX/XX/XXXX ( SAME DAY ) We submitted the HUD with the requested correction. 
XX/XX/XXXX SPS said the HUD was received and uploaded to their system on XX/XX/XXXX. 
XX/XX/XXXX Today we spoke with XXXX XXXX at SPS. XXXX claims that they have 30 days from the time the last document was received to get an answer. XXXX says it will take that long to get a response on our counter as it has to go through " full short sale review ''. We told her it does not, by the time they issue us a counter offer they have already preformed the borrower eligibility review and the value review on the property and they know what they want to net. We told her they are outside of federally mandated timeframe and will be happy to file a CFPB complaint to get them fined and request it to move along at a more reasonable pace. She THEN claimed that they take five business days to review any document. We told her that today it has been five days, as according to SPS in the phone call on XX/XX/XXXX, the document was uploaded on XX/XX/XXXX She THEN claimed it was not uploaded until XX/XX/XXXX. 

It is obvious SPS fully intends to drag this out for 30 days. SPS has continually lied on this file and to the homeowner - This is also likely a violation of the Fair Debt Collection Act. This reinforces our comments on our original complaint - Case # XXXX. We find it disingenuous that the ombudsman would make the claims they made on the previous complaint, in light of these continued lies. 

It is also quite obvious that SPS has become an illegal foreclosure mill and has trained their staff in the art of lies and deceit. ****I find odd that when cornered, the employees of SPS change the date in which docs were received and uploaded into their system. **** I also find it odd that they can restart the short sale process whenever they request a change to any document or receive any new document -even if it is only a simple spelling change to an Estimated HUD . 

Is this being done to defraud their servicer? The community? The borrower? Or all of the above? 

After viewing the CFPB 's own website and the internet, it is obvious that this is happening to others thousands of times per month. Should n't the CFPB step in and stop this as per their mandate?
Product: Debt collection

I checked my credit and saw a medical bill from MIDWEST RECOVERY SYSTEM for  XXXX XXXX XXXX totaling {$1600.00}. I did not receive any notification for any debt for medical services as an indigent individual. I was XXXX with no physical address to receive any forwarded mail. I also let the hospital know I was an indigent vagrant and did not have any insurance or money. This reporting is against my HIPAA rights and I did not sign any medical releases before my information was compromised and accessed by MIDWEST RECOVERY SYSTEM.