23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX was the prior servicer and paid me {$900000.00} and reported {$900000.00} in Federal Income Tax withholding to the Internal Revenue Service when I figured out the typical mortgage wasn't what it was purported to be and started claiming my security interests. 

I highly suspect XXXX XXXX  XXXX released the mortgage in full too after I presented them with SF28, OF 90 and OF 91 to release the surety but have yet to get confirmation from the XXXX. 

Immediately after XXXX XXXX XXXX reported the {$900000.00} to the Internal Revenue Service, Select Portfolio Servicing took over - probably bought the paper for pennies on the dollar - and began voracious collection activity. To save my house, they are forcing me to make monthly payments of {$8800.00} under court monitoring for an entire year of time. 

SPS is also well aware, remaining security interests are due me running into very large numbers and are probably just using the 1 year of court monitoring to collect monies to offset what remains to be paid out. 

It makes me sad typical Americans have no clue of what is really going on behind the scenes with mortgages but that is no excuse for SPS to be such a horrible company. 

I also have a letter from them saying they are well aware of the monies owed me and to work with their attorneys on resolving but that is merely more tail chasing than true resolution. 

SPS needs to stop this nonsense now. Seriously, how can you overlook {$900000.00} was reported to the Internal Revenue Service on an alleged mortgage and pretend there's really a typical " mortgage '' - are you serious?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I tried to unfreeze my credit at Transunion. I logged in and was emailed a two factor identification code. My identity verification failed and I was advised to call a number. After several attempted calls, I finally got through ( line disconnected and guided to a text service that told me to call the same line ) to a foreign call center. The person was sounded fishy and I was worried that he was fake and it was a scam. He gave me an email address to send personal identification material to which seemed fake. He would not send me an email to fill out. I could not upload this information on the transunion webiste. He then gave me a phone number to call to unfreeze my credit after I complained that he sounded fake. 

I called the number and I could not reach a person to unfreeze the credit. The phone automated call just looped around and hung me up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX spoke with XXXX I advised them to close my account back in XX/XX/XXXX, I then found out that they marked me 30-days delinquent twice on my credit report. It is impossible for me to use the card since I had shredded it back in XX/XX/XXXX so the only possible explanation is that someone at XXXX made a card using my account number and never closed it. There is a reported balance of {$230.00} this account is only reporting to Equifax Information Services LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the XXXX credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BalanceOwed : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$580.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( XXXX : XXXXXXXX XXXX  XXXX XXXX XXXX Balance Owed : {$640.00} ; XXXX, XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$940.00} ; XXXX, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX : XXXX ; XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$940.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting

XXXX has been reporting XXXX bankruptcies that do not belong to me. I keep on disputing and these credit reporting companies responded with verify and validated which is not true. I went to XXXX Bankrupty Court in person to investigate and Spoken with Court of Clerk. She informed me it could be computer error or someone with same name but they did not verify or validate information on credit file. See attached letter from Clerk of Court
Product: Student loan

I made payments on my federal student loan which was with XXXX during the XXXX pause. These payments totaled XXXX {$92000.00}. The remainder of my loan was ultimately forgiven by XXXX. I requested a refund for the payments I made during the COVID pause in XX/XX/XXXX ( before the deadline of XX/XX/XXXX ). There is documentation of this via XXXX. My loans were then transferred to Mohela, and the refund was never processed. I have spoken extensively with both XXXX and Mohela. Mohela got all the information regarding the payments I made during the XXXX pause and has that documentation. When I last called Mohela, they said that the XXXX XXXX XXXX would issue the refund, as the remaining balance of the loan was forgiven, and no longer with them and the account was closed. I have not received the refund or any response from XXXX XXXX XXXX despite filing a complaint.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX - XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

per the FCRA as a federally protected consumer i am now opting out any & all authorization i the consumer may have given COLUMBIA DEBT RECOVERY written, unwritten, verbal & non verbal per 15 USC 6802 as well as 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 


I DID NOT RECEIVE A PROPER OPT OUT NOTICE FROM COLUMBIA DEBT RECOVERY FURTHER ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. 

I HAVE SENT COLUMBIA DEBT RECOVERY NOTICE TO OPT OUT
Product: Credit reporting or other personal consumer reports

security credit services has been on my account fraudulently and i have disputed this account with experian for the last 3 months and they have not helped me with my problem i have not signed a contract with this collection agency and ive requested proof of validation from experian which they didn't provide i have tons of proof of my letters ive sent to them and ftc reports and prior cfpb reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Thank you. 
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/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis removed a bankruptcy on my file, it was a error, but yet they didn't remove this same bankruptcy account from another LexisNexis report, they refuse to tell me it was a two part to investigate, they told me this bankruptcy was removed # XXXX from my file and they will update this information with all credit bureaus, XXXX refuse to remove it because LexisNexis didn't inform them to remove this bankruptcy error from the 2nd part
Product: Credit reporting or other personal consumer reports

I notice that there are late payments being displayed on my credit report on Transunion, XXXX, and XXXX. According to Law FRCA section 605B, it is illegal to report information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since Last XXXX I have had an Erroneous collection Listed on my Trans Union Credit Report from a certain XXXX XXXX XXXX dated XX/XX/2017. I have asked Trans Union to investigate this with the total of more than 45 days+ elapsing with no satisfactory response. No reporting completion of any kind was submitted nor a notice or explanation of why the collection remained either. Nor Was I sent certified notices of contact from the collection furnisher.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Credit and saw an account that I did not recognize! I filed a police report and I sent a copy of that and a letter to Acima, they have not removed the Fraudulent account from my credit, and boy am I upset about it!
Product: Payday loan

Back in 2013 I was out of work because of a XXXX and I fell victim to XXXX for {$640.00} and now I 'm being sued from the real company do n't know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported an account delinquency on a paid off account. I owe no balance on the account since XX/XX/18. They originally ove rcredited the account giving me a surplus balance which was intended for another credit card, same company. Both numbers were listed on the check and both payment slips were included to correctly identify the amounts. 
On XX/XX/18 I realized they had made a mistake and called to have it corrected. The XXXX XXXX employee backed out the payment and once again credited the incorrect account. On XX/XX/18 I owed nothing in XXXX they reported a 30 day overdue payment for the original amount {$57.00} plus XXXX in interest. I have had this happen with XXXX XXXX over a 13 year relationship a number of times and so am currently calling in my payments separately for each account but they charge additional fees for that. 
On XX/XX/18, I called and they rectified and backdated the payment to reflect ALL 3 errors on the part of XXXX XXXX,  and are sending me a letter with the specifics in the meantime I have a delinquency on my credit report and my score dropped about 20 points which could change my interest rates in other credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that does not belong to me and I need them removed from my credit report. I am listing the accounts below. 

XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX. USCB CORP XXXX {$970.00} XXXX. XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are all reporting a bankruptcy on my credit profile which XXXX XXXX deleted. I received bankruptcy letters from the courts stating that they do not submit information to the credit bureaus and I sent that same letter to XXXX XXXX and they deleted it from their system. I notified the all three credit bureaus multiple times and gave them the letters from the bankruptcy court and XXXX XXXX but they still are reporting.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX. I transferred XXXX $ to XXXX banking account. Waited 4 -5 days. Money was not delivered. Method of delivery in app changed from account transfer to Cash at WU agent.

Becuase receiver can not pick Cash from Agents. I called WU and ask for cancellation and refund. 
At that time. The status changed from available to unavailable to complete instantly while I was on the phone with agent. 
I was promised the refund will occur within 4-5 days. This never happened, I called more that 15 times. Spoke to multiple supervisors and agents. 
Tracking # XXXX XXXX XXXX XXXX # XXXX Of Note, I have another transfer done on same Date to XXXX of XXXX XXXX And this was refunded and then reversed at the time I request refund. Which tells me someone tried to refund me and did a mistake. The irony when he tried to do that. He charge me again transfer fee.
Product: Mortgage

Wells Fargo Home Mortgage has stated they have processed a Loan Application Review and we were denied. My name is : XXXX XXXX and my husband who has been very XXXX for some time neither one of us have submitted a loan application for review. We would like to be given Loan Workout Options including a Loan Application before starting foreclosure as required.Wells Fargo Home Mortgage has lied about processing a loan review. If Wells Fargo claims to have done a loan review Application from us please submit a copy of this application and please do not skip this request. I have not received a Notice Of Intent To Foreclose as required. I would like Loan Workout Options to be sent to XXXX XXXX by email in this response to the CFPB because Wells Fargo Home Mortgage has lied about processing a Loan Work Out Application /Review. Again please submit a copy of this Loan Application that was never submitted. 

XXXX XXXX
Product: Debt collection

I represent a client that owes for a Dental bill. Recently, a Collection Agency issued a wage garnishment in CA. The debtor filed a Claim for Exemption as his right to do so, and in response the Collection Agency Manager is retaliating. Not only did he use profane language regarding the debtors request to try to resolve this, the Manager stated that he ca n't wait to take him back to Court to get an additional {$500.00} in Legal fees because he makes a lot of money, and then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I was alerted that my credit score decreased due to 75 % credit card utilization that was reported from XXXX XXXX XXXX in XX/XX/21. My statement date for this credit card is the XXXX of each month and was at a XXXX  balance on XX/XX/21. My credit report with XXXX  is showing the amount owed prior to me making the payment on XX/XX/21, this needs to be corrected immediately, this incorrect data has brought my score down 26 points on my XXXX  score and 10 points on my XXXX  score. I need this information updated with the XXXX  amount owed as shown on my statements from XX/XX/21.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/2006 Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. In the month of XX/XX/2023 I noticed information on my credit report that does not belong to me. The accounts and and Inquiries included in this report if Fraud. They are not mine.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer 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 TransUnion, Experian, Equifax 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 Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$120.00}, XXXX & XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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. 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 # ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$530.00} XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$940.00} XXXX XXXX XXXX  XXXX Balance Owed : {$5400.00}