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

My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!
Product: Student loan

I am never informed of my dates for changes on repayment plans, I am forced into forbearance although I beg them for an affordable payment plan, after submitting documents I never receive a lower payment and I am again forced into forbearance awaiting a new payment plan which is never given to me or discussed it is decided for me with a payment still above my means in repaying. I have borrowed XXXX, and is not accumulated XXXX + in interest. I am so frustrated with trying to repay my loans at a cost I can afford with no help from Navient. None. My income is XXXX per year gross, XXXX-XXXX-XXXX a month will leave me homeless.
Product: Debt collection

About 3 years ago, I had a debt relief company " XXXX XXXX '', help me with some debt relief. Paid them a total of approx $ 10K. Everything went well. No issues. Everything seem to be taken care of.

About a month ago, a company called Crown Asset Management filed a lawsuit on me for some old debt that was " taken care of ''. ( suing me for some added up debt of approx $ 18k ) I wasn't notified by Crown Asset Management, only to be caught by surprise, a lawsuit. " XXXX XXXX  '' appears to be out of business as of sometime in XX/XX/XXXX so that is to no surprise.

My only action was to get an attorney on my behalf to help with this matter.

On top of everything, my attorney found some charges that I am being sued for that I believe were from identity theft. From the little information that we found record of, there was at least three transactions on XX/XX/XXXX in the amount of {$1500.00} that I believe someone stole my identity and used. Maybe even more before that.

There are two companies I wish to file complaints on, Crown Asset Management and XXXX XXXX.

They may even be connected together in this scam ... ... ..I don't know, but intend to get to the bottom of this.
Product: Credit reporting or other personal consumer reports

Phone calls XXXX  XX/XX/XXXX XXXX and XXXX Sent in writing XXXX  XX/XX/XXXX and XX/XX/XXXX. Account has been removed from my credit report XXXX  different time. 
This is not my account or my debt.
Product: Credit reporting

To whom this may concern, When I checked my credit report I seen where a debt was reported by XXXX. I filed XXXX disputes with trans union and did n't receive any verification to prove debt was mines. I had an apartment with XXXX and had a bed bug incident which resulted in me throwing away thousands of dollars worth of household furniture and my son being attacked by bed bugs and washing all of our clothes and shoes costing me XXXX of dollars, when I called the office about the incident they informed they would n't compensate for the furniture or the clothes but told me I could terminate the lease but I was still entitled to pay XXXX 2014 rent which I paid. I tried calling collection agency and spoke with XXXX XXXX who advised me the incident had nothing to do with him he just collects the money. I faxed copy of my bank statement and fair credit report act to trans union and they advised they do n't verify if debt is actually yours with written documentation they just call. I spoke with the supervisor from trans union who did n't call me back. This has been a disaster I am a single dad and this is hindering from getting an apartment. Please Help!!!!!
Product: Mortgage

I, XXXX XXXX, believe that I am a victim of a predatory foreclosure scam that violates the Consumer Protections of RESPA and 12CFR1024.30-41. 

I received a loan modification from my previous mortgage servicer XXXX XXXX and can attach the Trial Period acceptance letter in XX/XX/XXXX. I began making the trial period payments in XXXX, XXXX and XXXX. 

What happened was I failed to call and accept the modification. I just paid the whole Trial Period of 3 months, expecting the trial modification would become final, only because the letter " only stated they would cancel if I did not pay ''. 

I figured I could skip the first sentence that said call us to accept. Their letter did not say and was not clear they would cancel, if I didn't call and accept. 

So, XXXX XXXX servicing corporation considered that a fail and transferred my mortgage to SN Servicing Corporation who I sent payments to starting from when they invoiced me from XXXX and XXXX. 

I made a request for information as per 12CFR1024.36 last week and the mortgage holder SN Servicing Corporation has not provided a written response to that information request in violation of 12CFR1024.36 ( c ). 

Further, SN Servicing Corporation failed to provide me with adequate written notice as per the requirements of 12CFR1024.39 ( b ) and thus should be prevented from proceeding with foreclosure at this immediate time. 

The last payment they returned was mailed back to me XX/XX/XXXX. As per the 45 day rule of section 12CFR1024.39 ( b ), SN Servicing Corporation should be prevented from proceeding to foreclosure until the earliest date of XX/XX/XXXX.
Product: Debt collection

A collection showed up on my XX/XX/XXXXreport approximately XX/XX/2020 from Sunrise collections, original creditor XXXX. I have disputed this debt. It is fraudulent. I have been a victim of identity theft. I have no knowledge of this debt and this company is not used in the area I live. I want this debt verified and removed from my report. Reported to FTC, IdentityTheft.gov XX/XX/2020. Showing late on my credit everyday. Legal action being taken, law enforcement contacted.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft.reported to FTC, federal trade commission, IRS, law enforcement from XXXX had XXXX disputes the first day.and still fighting to this day.my credit ruined.the main issue besides everything else is i had a mortgage for 15 years and never late on a payment.i XXXX my mortgage that was repeatedly sold and never heard back from anyone which is vital now that im on XXXX also had numerous loans thru XXXX XXXX of about {$38000.00} that all loans were paid off early.my social security was comprised and i average having to acquire XXXX to XXXX new bank cards a year which is a hassle when my bills come out the beginning of each month
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}, {$11000.00}, {$8000.00}, {$6900.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 











-- CLOSED ACCOUNTS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report, and this is not filed by a XXXX party or Agency, this is filed by me. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to : 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 an account without my written instructions. 

Account Name : XXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX IN Account # XXXX Account Name : XXXX XXXX CO Account XXXX XXXX Account Name : XXXX & XXXX XXXX Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXXXXXX Account # XXXX In addition, please provide the following : 1. Creditor Information ( Name, Address and Phone Number of Original Merchant ) 2. The Payment History and Itemized Billing Associated with Each Account 3. The Original Contract with My Signature on It 4. Proof Of Ownership ( Proof That the Company Trying to Collect This Debt Has Authorization to Do So ) If you are unable to provide these four details, please delete these accounts from my credit report. Thank you in advance.
Product: Debt collection

Call from XXXX. They dont identify themselves and leave messages saying they have a postal delivery. These people call relatives who were n't references on this loan and harass them as well when I have asked them REPEATEDLY not to! They do n't answer their phones when I try to call back or the message says full voicemail.
Product: Credit card or prepaid card

I got the Wells Fargo Cash Wise VISA Platinum card and then used it ... When I went to pay the bill it said nothing due. Then they charged me a XXXX late charge. I just opened the account. When I tried to get someone on the phone I called the XXXX XXXX XXXX. On this line they keep trying to sell you things ... saying I qualify for something free and to click this number. 

I do not click any number and I get another sales of a free trip to somewhere. When I do not click that it says I qualify for {$100.00} .... When I do not click that I get a message to hang up now. 

There is no way around the sales pitches ... I am just trying to pay my bill and I should not have to go through all this sales stuff to accomplish that.
Product: Mortgage

As was stated on XX/XX/2016, by XXXX. ( president of the XXXX Habitat for Humanity ) XXXX Regardless I had gotten behind on my mortgage payments! 
XX/XX/2016 I purchased XXXX money orders in the amount of {$380.00} each and XXXX more on XX/XX/2016 for {$380.00} each, giving a grand total o {$2300.00} plus as of XXXX XXXX there has been a balance of {$380.00} just sitting in my suspense account!. 
On XX/XX/2016 I purchased XXXX more money orders in the amount of {$380.00} totaling : {$3400.00} As of XX/XX/2016 according to XXXX XXXX XXXX, escrow department, there has only been 1 payment posted to my account for {$510.00} with a past due balance of {$3800.00} and a {$440.00} in my suspense account! 
Late payments to mult financial were withdrawn XX/XX/2016. {$20.00} XX/XX/2016. {$10.00} XX/XX/2016. {$80.00} Total : {$110.00} But I was only late 8 months late yet you 've withdrawn {$110.00} When it should 've only been XXXX! They should 've put that money towards my payments and waited for there late payments, multi-financial is just as much at fault as I am and the people of XXXX habitat that are pulling the strings, I spoke with Multifinancial services and they are blaming my lender ( " XXXX '' ) " XXXX Habitat for Humanity '' ( XXXX XXXX ( XXXX ) XXXX the new president and the treasurer XXXX XXXX ( XXXX ) XXXX and the previous president XXXX XXXX at ( XXXX ) XXXX. They sent certified papers to my " old '' p o box to inform me of the progression and accused me of refusing the letter, when in fact they knew I no longer had that p o box, why did n't they send it to my home address also? I can tell you why cause they were trying to hide it and kick me out of my home that I 've paid for, for 10 years! No forebearance, no explanation, no help from my lender " XXXX '' at all, I could n't even get anybody to talk to me for 2 months from habitat nor Multifinancial services, and I think this is bad business, something needs to happen to change this, please help?? Now it 's up for foreclosure, set to auction on XX/XX/2016, which is also my birthday and they know it, really there 's 365 days in a year, they are doing this to hurt me more! Spiteful
Product: Credit reporting or other personal consumer reports

ACCORDING TO THE LAW AND MY CONSUMER RIGHTS PER FDCPA : The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. 
XXXX5 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days since i sent in my last dispute asking for re-investigation and my letters have gone unanswered and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding this account listed be deleted IMMEDIATELY! 

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

These fraudulent accounts are reporting on my credit report. 

XXXX XXXX {$13000.00} XXXX XXXX {$2600.00} XXXX XXXX {$420.00} XXXX XXXX {$1000.00} XXXX XXXX {$4400.00} XXXX XXXX
Product: Debt collection

I have disputed this account many times with no results, upon " verifying or validating '' i received a bill which does not meet FCRA requirements, i have emailed, faxed and certfiied mailed a copy of my identity theft report with no response. I am attaching that information as follows also.
Product: Credit reporting or other personal consumer reports

There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- XXXX XXXX, on XX/XX/2023 -- -XXXX XXXX XXXX on XX/XX/2023 -- -XXXX on XX/XX/2023 -- -XXXX XXXX on XX/XX/2023
Product: Credit reporting

I keep trying to dispute an inaccurate late payment and Equifax system keeps kicking me out. XXXX and XXXX have removed the inaccurate XXXX bank late payment info
Product: Bank account or service

On XXXX XXXX XXXX I froze a joint home equity line so no additional withdrawals could be processed. XXXX XXXX XXXX a {$60000.00} advance was processed, I notified bank within 24 hours of the advance that error had occured. I provided the signed document of the freeze, made several calls, sent emails. I was told they were " diligently '' working to resolve problem and would notify me. I requested emails, did not receive, I asked for corporate office to contact me, not done. It is clear BB & T made a {$60000.00} mistake and has not provided appropriate customer service. I want the {$60000.00} removed from the home equity line. BB & T needs to not hold me responsible for their mistake, investigation into how they failed to freeze the account ( again I have provided them with THEIR form that I signed at THEIR bank ) is not my issue, I am not concerned with BB & T 'S personnel or computer errors or why it occured. BB & T made an error, that has not been corrected nor provided me with appropriate customer service since informing them of the error.
Product: Mortgage

Fell behind on my loan modification and unable to catch up by the end of this month. Wells Fargo sends me a notice on XX/XX/XXXX saying I have to come up with {$2500.00} by the end of the month or face foreclosure. I ca n't do that. It is impossible. They do not seem willing to even work with me.
Product: Credit reporting

I signed up with Experian in order to receive a XXXX time credit report in the amount of {$1.00}. Upon signing up I box prompted if I would like a XXXX bureau report along with my FICO credit score. I checked that I did, but was not made aware that an additional charge of {$39.00} was going to be added. I received my credit report and moved on. Today I checked my bank account and there is a charge in the amount of {$21.00}. I checked with Experian who advised me that the charge was for a monthly monitoring service that I did not cancel within the trial period. I did not authorize the monthly monitoring nor was I made aware of the trial period that I needed to cancel this unwanted service in.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have not supplied proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Mortgage

I sold the property and the title company requested a payoff. At closing the title company wired the payoff to the mortgage company ( Fay Servicing ). Three weeks later the mortgage company reversed the wire and said that it was {$2100.00} short. Come to find out the mortgage company ( which had escrowed my taxes and insurance ) let my insurance lapse and placed forced insurance on the mortgage and said I owed for the insurance policy. More than 3 months later I still havent received any information or a policy purchased for this property. The title company had worked out the details and sent the wire back to the mortgage the next day. Three weeks later the mortgage returned the wire again. This time claiming I owed interest of more than {$1800.00}. Ive hired an attorney, the title companies attorney has been involved and 3 months later we still can not get a resolution with Fay Servicing. Fay servicing bought the mortgage in the first quarter of 2019. My taxes were due in XXXX, the end of XXXX I had to contact them inquiring why they havent paid the taxes on time. They said they would pay them in XXXX and they would pay the late fees. They did pay them but it was 2 months late. 
So, sold and closed on the property XX/XX/XXXX and as of XX/XX/XXXX Fay Servicing isnt responding to their own attorney which has been in contact with mine to come to a resolution. Im getting monthly mortgage statements showing they have the funds in an Unapplied account and my mortgage is months behind. The property has been transferred to the new owners so technically Fay Servicing has an unsecured loan now.