23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Im at just now receiving information from my employer about garnishment of wage for a debt I never had. I have never received any documentation in mail for any type of debt. Im disputing this claim because I have no knowledge of said debt being collected or created. If I have received any type of documentation in mail I would have disputed it as soon as found out. Im just now learning that someone has created an account under my name and stole my identity and created this debt. I am not the person who submitted any type of debt for this account. My identity has been stolen and someone have made fraudulent charges using my name and account. I want these charges dropped and account closed because they are trying to take money from me about a claim Ive never had knowledge of until now. Again this is the first Im hearing about any charges, only due to my employer sending me the case files and claims. Ive never received any information in mail, and want to dispute these claims and have them taken off my records. The only record I have is what my employer sent and its from Midland Credit Management for the amount of {$8500.00}. Apparently there was a case on XX/XX/2023 and I have absolutely no knowledge of it. Im just now hearing because of my employer. The address and company on claim Ive never heard of or resided at.
Product: Credit reporting or other personal consumer reports

in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Section 609 ( 15 U.S.C. 1681g ) of the FCRA grants me the right to access all information in my file, including : A detailed listing of all personal data you have on file regarding me.

The source of the information you have collected.

A list of all individuals or organizations that have obtained a consumer report on me.

A comprehensive record of all inquiries made on my credit report.

Additionally, I request the identities of all recipients of consumer reports pertaining to me, as permitted by the FCRA. 
To facilitate the processing of my request, I am providing the following identifying information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ITIN : XXXX XXXX : XX/XX/year> Please note that I understand, based on your standard procedures, that a copy of my credit report will be sent to me within approximately fifteen days of receiving this request.

If you require any further information or have any additional steps I need to complete, please do not hesitate to contact me. I look forward to receiving a prompt response and a comprehensive report detailing all the information stored about me in your respective files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple of letters asking how this company has verified and method of verification about a Bankruptcy reporting on my credit report. I have not received anything as of yet to how it is verified and accurate. I need this Bankruptcy to be removed immediately.
Product: Credit card or prepaid card

XX/XX/XXXX Went on Care Credit web site which is owned by Synchrony Bank. There was option to fill out application for credit card which I had one but was closed by Synchrony. Was told to fill out new application which transferred me to Synchrony Bank web site. Was asked questions to verify I was person filling out application. In the end she wanted to call me on my " landline. '' Was told she was talking to me on my landline. Was told she needed to take my picture thru my computer and my cell phone. Was told I did not have capabilities on my phone or computer. Was told by her that there was nothing she could do. XX/XX/XXXX Receive message from Synchrony saying they checked data sources and said they could not confirm my identify which was not true. I have 8 credit cards from Synchrony plus 2 from Care Credit. Only 1 I actually use. The others are closed because they were paid off and I did not use. XX/XX/XXXX e-mailed corporate office.
Product: Debt collection

I have an entry on my credit report from Northwest Financial Services in XXXX XXXX, Missouri that stems from a medical bill from XXXX that was reading an x-ray on my finger back in early 2008. The original bill was XXXX and now they have increased it to over XXXX. This bill is past the seven year mark and they have been made aware of this but they state that they can report this for ten years. This is violation of FCRA. I have wrote letters, made numerous phone calls and always I am told that it remains fro ten years.
Product: Money transfer, virtual currency, or money service

My issue is that it wasnt made clear to me before making XXXX XXXX purchases through XXXX XXXX on XXXX XXXX for XXXX euros and XXXX on XXXX XXXX for XXXX XXXX  how long my funds would have been held from me, and when I made the purchase I was VERY disappointed to learn that I couldnt access my money until XX/XX/XXXX and XX/XX/XXXX and also couldnt cancel the transaction either. A day later the withdrawal hold was extended without explanation to XXXX and XXXX of XXXX which is unacceptable. I absolutely need the money before this date. 

I have contacted customer support chat several times on the app without help or any explanation as to why my withdrawal hold has been extended so that I could help solve the issue. I dont want to use coinbase anymore, you guys have lost me as a customer, I just want the funds that I paid for. It would be fine to refund my money but since thats unlikely to be possible at this point Im okay with having the hold lifted to be able to withdraw my funds.

I especially dont want to wait the full withdrawal hold time since Ive read way too many stories of people having their hold times get arbitrarily extended again and again and not get any help from customer service in resolving or reviewing the case. Besides the money is currently urgent for me. Im going to be telling others on social media about my experience with coinbase. It seems if you want your funds toyed around with and no assurance as to when youll have access to them, coinbase is the way to go.

I have these two case numbers given to me through email : # XXXX and # XXXX
Product: Credit card or prepaid card

Applied for a credit card with Capital One. Received an instant decline accompanied shortly thereafter by information citing delinquent accounts. Confirmed with XXXX, XXXX  and XXXX  that no such delinquent accounts exist within their systems, so the likely explanation is some sort of processing error at Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was recently run on the above date XX/XX/2023 without my consent or authorization. Without presidential if this becomes a fraud case I did not consent for this company or business to run my credit. The name of the company is XXXX XXXX XXXX
Product: Mortgage

We are a senior citizen married couple. We applied for a mortgage modification through our servicer Wells Fargo. We were approved for a Trial Period Plan starting in XXXX XXXX. When we were approved, we were current on our mortgage. We made our TPP payments in XXXX, XXXX, and XXXX, and got a permanent modification in XXXX. We had made an extra regular mortgage payment in XXXX, and Wells Fargo agreed to apply that extra payment as the XXXX TPP payment and part of the XXXX TPP payment. 

We never missed a payment on our mortgage -- we made our normal payment on time each month until the TPP, and made each TPP payment on time including XXXX XXXX and XXXX XXXX. However, Wells Fargo reported to the credit reporting bureaus that we were behind on payments in XXXX and XXXX XXXX. This negative reporting caused problems for us when we tried to qualify for a reverse mortgage. 

Our attorney notified Wells Fargo of the problem, but Wells Fargo claims that they report borrowers as late during TPPs even if the borrowers have made all of their payments on time. This seems wrong. They should report that we are making our payments on time and not make it look like we are missing payments when we are not. 

We have attached some documents from Wells Fargo showing that we made our payments on time.
Product: Debt collection

Good day, This ordeal has been nothing short of XXXX  and XXXX. Imagine waking up to a debt you know nothing about, unverified and obviously not yours, only to face constant XXXX through different communication channels and strategies. The XXXX  of legal action have made my mornings XXXX, something I never thought Id experience as a responsible, law-abiding citizen. Its incredibly XXXX  and a violation of my consumer rights, taking a serious toll on my XXXX XXXX and leading to several sleepless nights.
Product: Mortgage

On XX/XX/year>, my regular mortgage payment was automatically drafted from my bank account, as it has been for the past year and a half. Everything appeared normal, and I had no indication of any issues. However, on XX/XX/year>, I unexpectedly received a package containing a check for the amount of my XXXX payment, along with a brief letter stating that the payment was incorrect. 

This was the first time I became aware of any problem. I immediately contacted the mortgage company and learned that my payment had changed due to an escrow shortage. While this isnt unusual, I had received no prior notificationno voicemails, emails, or mail informing me of the change. 

That same day, I made two mortgage payments through my banks online portal to resolve the issue. Despite my efforts, the company has refused to acknowledge its communication failure. As a result, my credit score has dropped by nearly 100 points, and for the first time, I now have a late mortgage payment on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 card

Description of complaint : This is about credit report manipulation and predatory practices of a lending Institution I have four credit cards with synchrony bank. A Walgreens card. A Guitar Center card. The Care Credit Credit Credit Card. And a synchrony MasterCard. I have never had a late or missed payment. The highest credit usage I've ever had ant at was approx 60 % Approximately 2 months ago out of nowhere my available credit on the Guitar Center card was reduced from {$1500.00} to {$250.00}. I had an approx {$100.00} balance at the time. On the XXXX of this month my available credit on my synchrony MasterCard was reduced from {$1500.00}. To {$1000.00} with a balance of just under {$950.00} This accounts for a total reduction in my total available credit on my credit report by {$1700.00} It also took my used credit on My Guitar Center card from less than 10 % to nearly 50 % overnight without me making a purchase And it took my used credit on my Mastercard from 60 % to 97 % overnight without me making a purchase When I requested the reason for the reduction in usable credit they quoted that my cards are at high balances vs available credit... Which they had just manipulated to be the case. They quoted that my total credit usage versus total available credit was too high. Even though they had just manipulated my credit report by removing just under {$2000.00} worth of total available credit. 

This is a predatory behavior that is counterintuitive to people who are wanting to build their credit. And probably not even noticed by those that are new to the understanding of the credit system setting them at a disadvantage. This has caused my credit score to go down instead of up while paying off my credit cards.

I want my available credit to be restored to {$1500.00} on each card until I pay off and cancel the cards at a time of my own choosing. Instead of a company manipulating my personal credit score and negatively impacting other financial decisions like selling and buying a new house. Trading in my car. Etc And I want it on record that this company abuses their customers credit scores. 

Desired settlement : Correction to a credit report
Product: Credit reporting or other personal consumer reports

I have multiple items on my credit report that I'm not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute inaccurate information in my file resulting from the crime. The inaccurate information I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

These following inaccurate information listed below are unknown to me. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX
Product: Mortgage

I XXXX XXXX and my husband XXXX request through the Consumer Financial Protection Bureau a motion for my mortgage servicing company Select Portfolio Servicing , Inc. to cease and desist all calls to our home or cell phones about missed mortgage payments. All correspondence must be in written form only from this point forward. We are currently facing several financial matters that has caused a hardship for us and our family and business. Accordingly, we will be requesting a mortgage forbearance while we design a game plan to work out all of our financial difficulties. SPS should submit our cease and desist request and abide by the rules, and assign a mortgage workout specialist to notify us on how to start the forbearance/modification process. Therefore, our request should cease any threats of a foreclosure process, as we will file for bankruptcy if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
Product: Debt collection

I was XXXX an I needed a car to get around in so my father cosigned for me to be able to get the car and I missed a payment after having the car for 7 month and they came and picked the car up and 4 years later they want me to pay for the car in full
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS A FRAUD BASED COMPANY I AM EXPOSING THEM I HAD XXXX FROM XXXX TO XXXX IN HOSPITAL I NOTIFIED THEM AND THEY MARKED MY PAYMENT FOR XXXX AS 30 DAYS LATE THAT IS HOGWASH I PAID XXXX ON TIME AND THEN WAS ADMITED INTO XXXX  FOR XXXX  THEY CAN NOT MARK ME NEGATIVE WHEN ALL MY PAYMENTS HAVE BEEN ONTIME AND I WAS EFFECTED BY PANDEMIC AND THEY KEEP SAYING THEY WILL FIX IT AND DO NOT RESPOND TO EMAILS AND WHEN YOU CALL THEY ARE ALL FOREIGHNERS AND HTEY HAVE NO IDEA WHAT THEY ARE DOING THEY LIE MAKE FAKE PROMISES AND EVERY ONE ONLINE IS COMPLAINING ABOUT THEM I WANT THIS REMOVED NOW OR I AM RETAINING A LAWYER FOR CAUSING ME HARDSHIP FINANCIALLY DUE TO DESTROYING MY CREDIT REPORT I DEMAND THIS RESOLVED.
Product: Checking or savings account

The Company has charged me excess activity fees. They refuse to properly mitigate my closed checking account.
Product: Credit reporting or other personal consumer reports

I have checked my credit report, and I have discovered fraudulent hard inquiries on it, the hard inquiries are 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 XX/XX/XXXX, please remove them from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a written request for debt validation to Experian, XXXX, and XXXX pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), which grants me the right to dispute inaccurate information on my credit report and request an investigation. I specifically identified the disputed accounts and provided supporting documentation to demonstrate that the information being reported is inaccurate. 

As of today, All 3 bureau ( s ) have failed to respond to my request or provide the required validation of the debt. Despite my lawful dispute, the bureaus continue to report the inaccurate information on my credit report, which is harming my creditworthiness and causing financial and emotional distress. 

The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to conduct a reasonable investigation and correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. The bureaus failure to comply with my request and their continued reporting of inaccurate information violates my rights under the FCRA. 

I am requesting that the CFPB intervene to ensure that the credit bureaus comply with the law, conduct a proper investigation, and remove or correct the inaccurate information from my credit report. 

Thank you for your assistance in resolving this matter.
Product: Debt collection

I am disputing the fraudulent 1099 reporting submitted by Select Portfolio Servicing , Inc . I have never done business with this company. I have never received a dime from this company nor {$13000.00}. I have called this company multiple times and sent certified letters requesting clarification to no avail. This is causing me unnecessary stress as now I am facing a debt, I dont owe to the XXXX due to this fraudulent reporting. I need assistance getting this company to clear this fraudulent 1099 reporting to the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for credit with these companies. These companies are listed as inquiries on my report but I did not authorize them to pull mu credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am a client of XXXX XXXX a debt consolidation company. They settled an account with XXXX XXXXMidland Credit Management in the amount of {$2600.00}, from the original {$5700.00}. The debt has been fully paid on XX/XX/XXXX after monthly payments starting in XX/XX/XXXX of {$100.00} and the final payment of {$120.00}. I got an alert from XXXX and XXXX  that received a negative file on my credit report from Midland Credit Management in XX/XX/XXXX. Upon checking it is for the remainder of my balance that was previously settled upon and no longer owed. Midland Credit Management is trying to go back on their settlement and receive the entire sum which is not the agreement with myself or XXXX XXXX. I have contacted XXXX XXXX and they are also aware and fighting this, Ive contacted Midland Credit Management and they just try to bully me and not tell me what the debt is for only that it is my debt and that it is owed.
Product: Credit reporting or other personal consumer reports

i recently paid {$29.00} for a transunion membership and noticed inaccurate information in my credit file, i attempted to remove an address that is not mine, but there is no where on the site to have that disputed or removed. i have been a victim of identity theft and only want one address
Product: Debt collection

The following collection agencies Eastern Account System, XXXX XXXX, XXXX XXXX XXXX XXXX has reported 3 collection accounts on my credit report on XX/XX/21 on XXXX XXXX on XXXX and XXXX for {$200.00} XX/XX/XXXXOn XXXX XX/XX/21 on XXXX and XXXX for {$700.00} XXXXon XXXX XXXX on XXXX  and XXXX for {$79.00} XXXX has voilated my right as a federally protected comusmer under 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XX/XX/XXXXand beforeXX/XX/XXXX, local time at the consumers location ; Eastern Account System, XXXX XXXX, XXXX XXXX XXXX XXXX was not given consent directly from me the consumer nor provided express permission of a court of competent jurisdiction. 
Eastern Account System, XXXX XXXX, XXXX XXXX XXXX XXXX has voilated 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
They have damage my reputation by reporting to my credit report oppressing me from receiving services or goods causing harm to the physical person by having me work excessive hours of overtime at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account 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 an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.