23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I fully paid my car loan last XX/XX/year>. However, until now, XXXX is still reporting on my credit that I have late payments.I tried to correct it with them but they wont correct their credit reporting
Product: Mortgage

Mr. Cooper purchased my mortgage from XXXX XXXX XXXX XXXX XXXXXXXX of this year. My homeowner 's insurance payment was due XX/XX/year>. MrCooper did not make the payment until XX/XX/year> and XXXX canceled the policy. I looked online and found that MrCooper is notorious for being late with homeowners insurance payments made from the escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt with trying to settle this dispute with Equifax through the CFPB portal. My next steps are to file litigation and seek monetary compensation for emotional distress & punitive damages ( plus attorney fees ). Equifax has chosen to willfully neglect each written claim I've mailed, and ignore each electronic claim through this portal. I've not received the proper treatment or have the two companies involved operated according the FCRA guidelines. There are inaccuracies on a XXXX report that is attached to my name. I do not recognize the debt, I have never lived at the stated address and have no recollection whatsoever of doing business with this company. I've asked for validation and verification on the behalf of both companies. XXXX sent a copy of a document that falsifies their right to report this account attached to my social security number. I've written Equifax and complained about the issue, all to no avail. This situation has directly effected my livelihood and credit worthiness. I demand for this account the be deleted from my account expeditiously.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/19, I received a notice in the mail from Mobiloans, claiming that I owed them money in the amount of {$1100.00}. The notice was dated as of XX/XX/XXXX and said I owed them {$100.00} due on XX/XX/19. I have never heard of this company and certainly have never borrowed money from them. I sent an email to their support email address : XXXX, advising them that I had never heard of them or taken out a loan with them. I requested that they correct their records or I would report them to the FTC. They replied I needed to complete an affidavit and have it notarized and sent back for them to investigate. I advised this them was outrageous and appeared to be a scam to get personal information from me such as my driver 's license, date of birth, social security number, etc. None of this passes the smell test. I checked with XXXX  and found that Mobiloans has never made any inquiries about my credit. A legitimate company would not provide a loan or line of credit without first checking someone's credit! This stinks to high heaven. Please help.
Product: Debt collection

A debt agency is falsely reporting to the credit bureaus that I owe about {$7200.00}. I have sent three Letters, certified mail with return receipts, to the Professional Debt Mediation company requesting them to validate and send proof ; They have not sent anything. The first letter was sent and received by the company on XX/XX/2022. The second Letter was sent and received by the company on XX/XX/2022. And the final request was sent and received by the company on XX/XX/2022. In my final letter I requested the company to remove this fraudulent report. They have been given an excess amount of days to argue their case ; I need this removed from my credit immediately ; This is a clear violation of the FCPDA and my rights.
Product: Student loan

Navient refused to accept my payment in 2014 filing a claim for {$19000.00} and then putting me into a new loan with a principal balance around {$24000.00} by charging a 25 % collection fee.
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS FRAUDULENT ACCOUNT XXXX XXXX XXXX TO BE FURNISHED ON MY EXPERIAN XXXX XXXX I HAVE KNOW KNOWLEDGE OF THIS ACCOUNT I HAVE FILED A POLICE REPORT OF FRAUD. PLEASE DELETE PROMPTLY THANK YOU SIRS/MAAM ACCORDANCE WITH 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE FRAUDLENT ADDRESSES NAMES ACCOUNTS TO BE FURNISHED ON MY XXXX XXXX EXPERIAN CONSUMER REPORTS THE READ : EXPERIAN XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, TELEPHONE # XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX  XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX # XXXX  XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX PLEASE DELLETE THESE IMMEDIATELY I HAVE KNOW KNOWLEDGE OF THIS FRAUD! 
I am willing to prosecute.
Product: Vehicle loan or lease

I am not familiar with this account. I have contacted FLAGSHIP CREDIT concerning this account my letter was delivered on XX/XX/XXXX the tracking number is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Product: Checking or savings account

I closed my account because they let XXXX take funds from my account could not tell me for what I made joke about going after XXXX for my money bank called police sent my house XXXX threat but real reason I have refunds about {$200.00} and they are holding my funds plus cant access old account for {$230.00} taking out for fake XXXX  purchase I never received need documents to send to XXXX they took money out my account but cant find it???? I just want my bank stand my refunds that I can prove items returned purchase with cadence bank and XXXX bank they called police on me after joke made and after speaking to bank manager saying it was joke sent police to my home .XXXX people quick to call authorities on XXXX people if they feel uncomfortable threatened just refund my money never seen any XXXX employees working for cadence bank either
Product: Credit card or prepaid card

In XX/XX/XXXX I contacted PenFed for a payment deferral because I needed relief due to ongoing XXXX  issues that exasperated ongoing XXXX  XXXX due to XXXX  XXXX XXXX. The representative told me to submit a request with documentation to confirm my medical issue, so I sent them the attached document acknowledging that I contracted XXXX in XX/XX/XXXX. After a couple of months, I called back and explained that I had not received any notification regarding my request for payment deferral on the loan and credit card. The representative checked the system and confirmed that my request for deferral was approved through XX/XX/XXXX for the credit card, and the loan deferral was also approved, but in the system, it wasn't clear to her for how long the loan deferral was extended. She assumed it was the same as the credit card deferral but would follow-up and confirm. She also acknowledged that no letter had been sent out. I asked if she could provide me a letter and she stated that she would check into it and forward the request. Now, PenFed has posted 2 late payments on my accounts and I'm unsure why.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : ON NINE OCCASSIONS XXXX XXXX XXXX HAS IMPROPERLY AND MALICIOUSLY REPORTED INACURATE, MISLEADING AND OR FRADULENT INFORMATION TO THE CREDIT BUREAUS REGARDING MY MORTGATE AS WELL AS AN AUTO LOAN. NO PAYMENTS HAVE EVER BEEN LATE TO THIS CREDIT UNION SINCE ACCOUNT OPENING. SEVERAL BOARD MEMBERS OF XXXX XXXX XXXX ARE AVERSE TO THE COMPANY I AM CEO OF. MY HOME IS CURRENTLY FINANCE WITH XXXX  AND THE PROPERTY IS CURRENTLY FOR SALE. MY TRUST OFFICE AT OUR XXXX WAS CONTACTED BY SEVERAL LOAN OFFICERS OF XXXX  THROUGH REAL ESTATE PERSONELLE OF XXXX XXXX CO, XXXX XXXX CO HAS A PRESIDENT THAT SITS ON XXXX XXXX. WHEN MY OFFICE WAS CONTACTED BY THIS REAL ESTATE FIRM WITH TIES TO XXXX  WE REFUSED TO SHOW THE PROPERTY TO THEM AND THEIR REALTORS AND LOAN OFFICERS BECAME IRRITATED DUE TO THE STRICT SALE REQUIREMENT PROCESS. SUBSEQUENTLY THE VERY NEXT DAY THE MORTGAGE WAS REPORTED AS DELINQUINT AN UNPAID/PAST 30 DAYS DESPITE BEING PAID ON TIME AND THAT THE LOAN AMOUNT INCREASED, CAUSING A MAJOR DROP IN MY PERFECT CREDIT SCORE FROM MID XXXX XXXX XXXX XXXX XXXX XXXX XXXX. AFTER MUCH TIME AND COMMUNICATION WITH THE CREDIT UNION, EXPERT WITNESSES, LAWYERS, LEGAL DEMANDS TO THE CREDIT UNION THEY REVERSED THE FALSE, INACURATE AND FRADULENT REPORTING AS THEY HAVE DONE PRIOR BUT JUST LIKE THOSE OTHER TIMES THE CREDIT SCORE HAS BEEN DAMAGED AND NEVER FULLY RECOVERED. XXXX CLAIMS THIS PROCESS IS AUTOMATED, AN ACCIDENT, OR ERROR " DARN COMPUTER '' DEFENSE. I COULD SEE THIS BEING AN ACCIDENT ONE TIME BUT 9 TIMES IN A YEAR AND A HALF PERIOD WITH ANCILLARY AVERSE INDIVIDUALS TO MY CORPORATION AND MYSELF INDIVIDUALLY WHO ARE TIED TO XXXX  IS CLEARLY MALICOUS. THIS IS FISHY AND AS A CONGRESSIONAL GOLD STAR FAMILY MEMBER I AM ASKING THE UNITED STATES FEDERAL GOVERNMENT TO INTERVENE AND OR REFFER THIS MATTER TO THE DOJ OR FBI FOR PROSECUTION OR INVESTIGATION. IF THEY FREELY DO THIS TO ME, IMAGINE HOW MANY OTHER AVERSE AMERICANS THEY SUBJECT TO THIS TORMENT VIA THEIR RACKETEERING INFLUENCED AND CORRUPT ORGANIZATIONAL PRACTICES.
Product: Credit reporting or other personal consumer reports

I have an inaccurate account reporting on my consumer report violating my consumer rights. And, I also have a third party collection company violating the privacy act and consumer law by reaching out to me to collect on debt I do not owe also I have proof another third party collection have also reached out to me as well to try to collect on this debt as well. I do not have a contract with MIDLAND CREDIT MANAGEMENT OR MIDLAND CREDIT.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX inquiries on my report that were fraudulently placed there. Ive contacted the creditors and the credit bureaus. Ive sent an FTC and a police report to Transunion and the fraudulent activity still remains on my report. Ive spoke to a manager at Transunion who told me there was nothing that she could do and even though the information was fraudulent it will stay on my report for XXXX  years.
Product: Credit card or prepaid card

I received an email from Discover Card around XX/XX/XXXX, saying that one transaction was declined. I hadn't been using that credit card for a long time, so I checked the phone app and noticed a series of fraudulent transactions. I called Discover, and they stopped the card, and started a fraud investigation. In late XXXX ( or early XXXX ) XXXX, I again noticed and reported to Discover lots of fraudulent transactions on my account, which were also impossible to be made by myself because I was physically abroad from XX/XX/XXXX to XX/XX/XXXX. Discovered investigated both incidents, and concluded in late XXXX that there was " no fraud '', and I am responsible for all the transaction. The total amount of all fraudulent transaction from XXXX to XXXX was roughly XXXX dollars. Frustrated by Discover 's investigation result, I filed a police report with University XXXX XXXX  Police Department on XXXX XXXX, hoping they can assist me with the issue. 

In my communications with Discover, I have repeatedly provided the following facts that clearly suggest I am the victim of a fraud and should not be responsible for the charges : 1 ) The fraudulent transactions took place in California, but I was outside of the United States from XXXX XXXX, XXXX to XXXX, XXXX, XXXX. This can be proven with a detailed Homeland Security travel record that I provided Discover on XXXX XXXX. 2 ) I had possession of the physical credit card ( ending in XXXX ) the ENTIRE time I was abroad. 3 ) During the time I was abroad, nobody except for USPS mailmen would have access to my locked mailbox, because I brought the keys to my apartment and mailbox abroad with me too. No one could have access my locked apartment, a very safe XXXX XXXX XXXX XXXX, and there was absolutely no sign of break-in. 4 ) I have never given anyone access or permission to use my credit card ending in XXXX, which I kept with me all the time. 5 ) There was no possible way for me to receive, activate, or use any credit card that Discover may have sent to me during my time abroad. 6 ) When I came back to my apartment on XX/XX/XXXX, there was no credit card from Discover in my mailbox.
Product: Mortgage

I have several issues with  PHH  XXXX   XXXX . I have requested my  XXXX  for fiscal year  XXXX  and have not received a copy needed to report my taxes. They will not post the documents on the online system neither will they provide the information on line. When I contacted them for the documents they stated that because I am in litigation with them they have to go through their attorneys to process the request. This has resulted in me being late filing my taxes and subject to late fees and penalties with IRS.     In addition, the litigation has been going since the beginning of  XXXX  and I can not get them to address my complaint about the failure for them to post my mortgage payments and interest correctly while in bankruptcy. At the beginning of bankruptcy, I owed them $  XXXX  and at the end of bankruptcy, I owed them $  XXXX  plus an additional  XXXX  for other fees. The payments made are not properly reflected over the time period.     The agreement we made under the bankruptcy was to pay {$2900.00} months during the bankruptcy period to cover what I owed. However the payment history reflected an amount of {$3500.00} being constantly billed to my account. If this is the amount that I should have been paying then why did they make the agreement in court that the amount of {$2900.00} would satisfy my loan.     No principal payments were posted in  XXXX  and  XXXX  ... .the {$2900.00} is not reflected in the totals of the escrow and interest amounts. Where is this money reflected in payment history!!!!!!     The next issue is that the principal balance as of  XXXX / XXXX / XXXX  was {$340000.00}. Then the payment history for  XXXX  show a balance of {$400000.00} but they send a document wanting me to sign saying we owe $  XXXX . So, they are not holding to the agreement that our {$2900.00} payments are satisfying the loan. They have increased the interest under their agreement and not letting us know that the amount has increased and we need to make the {$3500.00} payment. They have breached their contract of the {$2900.00}. Then they do n't give us documents to support the interest paid for IRS. requirements.     Their practices are not fair!!! and they do n't want to pay my attorney fee but provide me with  XXXX  that do n't meet the attorney fees and additional trustee fees, and IRS fees that I now owe due to them not settling the matter in adequate time.     Overtime they correct the payment history the amounts change to fit the bank. See all the documents that I have submitted with changes they posted to payment histories. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX  this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

My daughter and I requested the information from the XXXX private lenders to pay college tuition. XXXX Loans gave as the best rates and we decided to proceed with XXXX. We never agreed to get any money form the XXXX.How big was our surprise after I received a negative statement form the University. XXXX student loan sent money to the college without my or my daughter approval and started to collect their fees!!! We demanded to return full amount back to XXXX but now XXXX sold almost {$100.00} " debt '' to the collection agency. Please advise.
Product: Debt collection

Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. 

As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. 

I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is crystal clear that I do not owe you any debt. 

I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. 

Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. 

Yours sincerely,
Product: Debt collection

N accordance with the Fair Credit Reporting Act CREDIT COLLECTION SERV Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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