23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Basically, I keep getting calls from numbers that appear to all trace back to NCO Financial Systems. The numbers show up on my phone with zip codes XXXX 

I 've missed each of the calls, unfortunately, but only once did they leave a message. When I followed up on that message, I was placed on hold with no mention of a company name on the answering machine, and then after being on hold for about 10 minutes the call dropped ( I had n't moved locations and my phone showed good reception ). Another time, I was offered a chance to leave a message. I did, no response. I 'm currently on hold again, and it 's now the XXXX minute of the call. 

After XXXX the number and tracing it to NCO Financial Systems, I found terrible reviews of the company on XXXX that matched my experience ( many are worse! ). I saw several people there who listed " real '' numbers for the company that actually connect you to a person, and after calling XXXX a woman picked up on the first ring. She looked me up in the system and said that the system has no record of me at all. I carefully spelled my full name and my phone number, and they are not in her system. She said she was in the medical department, and that 's the only place my debt would be - I 've recently been paying a lot of doctors bills because of an injury sustained, and it 's not out of the question that I may have missed a bill or mixed something up. 

I 'm concerned that I have a bill out there that will affect my credit, but I 'm also concerned that i am being contacted by a scam and am not comfortable giving them any information. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX/XXXX dated XX/XX/XXXX, SANTANDER CONSUMER USA dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.
Product: Credit reporting or other personal consumer reports

I have continuously reached out to all three of the credit bureau sin regards to the inaccuracy on my credit report. XXXX has not even responded in30 plus day. These accounts are inaccurately reporting on my credit file and is causing me to lose jobs nor find shelter do to the items reporting negatively on my file. I would like for these items to be properly investigated in a timely manner and removed and blocked from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The dept is my sons, same name, different ssn.different birthdate.I have successfully disputed this dept .it was removed from my credit report.then XXXX resubmitted dept to my credit report.when I contacted them by phone they stated that the way to clear this up is have my dead beat son pay his bills ... So unprofesional, and then I was told sorry they do n't know what to tell me.Then the employee at the credit collection agency, XXXX , XXXX. repeatedly hung up on me.Could not believe the lack of treatment.This is not my dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated. 

XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

I spoke with Sallie Mae regarding a loan my ex-husband has and I am a co-signer. The customer service rep did speak to me. However, when I asked about options since I am unable to afford payments, the only option given was to pay the $ XXXX+/month. My ex husband states he has never received the paperwork needed to file forgiveness based on total XXXX. I asked they send it to my email address. I was told they could not do that since I am only the co-signer. I then asked them to please send another set of paperwork to him at his address and and email. I was told I could not request the paperwork be sent only he can. I am the cosigner. I am being threatened with default. I am trying to make sure the paperwork is received and then filled out, but get a stopped when trying. If they can threaten me over the payment, why can I not request paperwork be sent? It appears no matter what we try to do, they will make it difficult to get this resolved.
Product: Mortgage

My complaint is kinda XXXX parted. I first fell behind on my mortgage payment about a year ago. I received a chance to modify my loan, and I did qualify for the modification. I was put on a trial payment period of XXXX months. I made the payments and then received the documents to start making my regular mortgage payments. I signed the documents and sent them back. I then awaited my information on my new mortgage. The next document I received was from a law firm saying that foreclosure proceedings would start. I contacted my lender and they said they had not received my documents. But my lender had not tried to contact me in any way, to tell me that. I then had to file bankruptcy to stop the foreclosure. 
I then started yet another modification with the same lender, I went through the process with them and was told I had qualified and my representative XXXX would be sending me the info on yet another trial period. A week or so went by and I did not receive anything, so I tried to contact my representative and was told she was on leave and only she could send me those documents. By that time I had missed my first trial payment and my home would be put in foreclosure again. So at this point I have to try and modify my home yet again.
Product: Debt collection

On XX/XX/2020 i was pitched a XXXX apartment in XXXX XXXX XXXX, XXXX. i was repeteadly lied to, manipulated, and most egregiously plied with liquor whilst surrounded by 4-5 individuals until i signed a contract which i then later tried to cancel. they refused, and turned it over to Collections where it has affected by being able to get a credit card.. the company that has this on my file is EXPERIAN.. i XXXX looking to have this charge removed please. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submmiting this complain about a collection on my credit report placed by Southern Management Systems , Inc. for XXXX at XXXX XXXX XXXX. I was looking for apartment in XXXX 2016 and was interested in XXXX at XXXX XXXX XXXX, but later on my plan changed and I was no longer moving to XXXX. XXXX did sent me the lease contract for me to sign, but because I didn't have my guarantor sign his portion, the lease was not completed, which XXXX said that '' your lease is not complete until the guarantor portion of the lease paperwork has passed '' in their email too. However, few months later, I saw a collection placed on my credit report with a balance of {$2300.00}, and I start to receive harassing calls from the collection company, Southern Management System. I had no idea what was going on with this collection, so I called XXXX at XXXX XXXX XXXX and they said because I have a lease signed. I explained to them that I never have the lease completed and I never moved in, they did not give me any resonable explaination.Their word was against what they said in the email, and they did not give me any notification before they illegally sell my information to the collection complay, Southern Management System. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this item several times on my credit file and it was removed this account has a co-signer which happens to be my ex wife. During the divorce my ex wife was awarded the vehicle. After the vehicle was awarded to her she lost the vehicle to a repossession! After the car was repossessed I was still getting late payment on my credit file which is against the law I can not be late on a vehicle I no longer have or am responsible for! Not only do I not have the vehicle or responsibility to it! It was disputed and removed unfortunately it has returned! The problem is that I shouldve have been notified 5 days prior to it returning to my report I was not!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  Account Number = XXXXXXXX XXXX  To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration regarding the lack of action taken after reporting my identity theft for the third time. Despite my efforts, neither the credit bureau nor the involved companies have responded to my disputes. This situation makes me feel like my consumer rights are being disregarded. As the victim, I am unable to obtain the necessary assistance or response from the credit reporting oversight companies. If no action is taken promptly, I will be forced to take legal action.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Debt collection

Account Name : 1ST CRD SRVC Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$140.00} Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX FAILED TO INVESTIGATE AND RESPOND TO THE DISPUTE WITHIN 30 DAYS ( CERTIFIED RECEIPT ATTACHED ). s.1629e ( 8 ) OF THE DEBT COLLECTION PRACTICES ACT CLEARLY SAYS THAT ANY INFORMATION KNOWN TO BE FALSE, CAN NOT BE REPORTED TO ANY CREDIT BUREAU. EQUIFAX RECEIVED A CERTIFIED LETTER ON XX/XX/XXXX BUT NEVER REPLIED OR INVESTIGATED WITHIN 30 DAYS. THEREFORE IT MUST DELETED ALL ACCOUNTS THAT WERE TO BE INVESTIGATED FROM ITS CREDIT REPORTS
Product: Credit card

So in XXXX of 2023, I got a Chase Freedom Unlimited credit card and around that same time frame I have a credit repair company and had a referral about a client name XXXX and XXXX XXXX and I added them as authorized users on my XXXX XXXX cards which I had done with hundreds of clients and had no issues and I ended up finding out they were scammers and thieves and stole my identity and impersonated me to credit card companies and was able to obtain all my information ( SSN, Address, DOB ) all the information needed to verify my identity. They begin to compromise my my credit cards with XXXX, XXXX XXXX and Chase over the next XXXX months and it ruined my life and my credit score during the time. Luckily I was able to submit documentation ( police reports, travel requests from my job proving that I wasn't in the locations that was my card was being used at the time and XXXX XXXX and XXXX confirmed that it was fraud on my account and I had no issue. The XXXX suspects above have been arrested and charged with fraud. My issue is with Chase Bank as I submitted close to XXXX documents over XXXX months to prove my innocence and they refused to change the outcome of the investigation. I would call their fraud department weekly as having good credit was important and having XXXX of Unauthorized charges on a XXXX limit credit card isn't helpful to a score. My issue is every time I would call their fraud department would give me a different reason on why they would deny my case ( delayed in calling, charges with a merchant, products delivered to my address that I never received and list goes on, they need proof that other lenders like XXXX, said it was fraud. ) Which everything listed above I provided proof for ( Purchase history, phone records, documents from XXXX showing they approved my case. ) What Chase is doing is unethical and I tried for over a year to get this fixed and still no results. I am trying to qualify for a home for me and my wife in the next few months and I'll be unable to with a XXXX credit score cause of this cause they keep asking me to pay for something I am not responsible for and I refuse to do that when I have proven my innocence time and time again and I will submit the documentation and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) Chase needs to have this resolved and removed off of my credit report in the next few days. 

If you look at the documents attached you will see everything I sent from XXXX charges they claim I had on XX/XX/XXXX which you can see is not in my purchase history, XXXX charges that isn't in my account. You can see XXXX case results, You can see travel requests signed by my boss ( the mayor of XXXX ) on trips signed off where I wasn't in the areas that my card was used and you can see my hotel history showing I wasn't there either. Please help me resolve this.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the financial institution and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

I pulled my experian report on XX/XX/XXXX and noticed that in the personal information section for the name there were 7 names and 4 which were spelled incorrect and not me. So i contacted experian XX/XX/XXXX and the rep XXXX informed me that they couldnt dispute the incorrect spelling of my name and that the creditor would have to correct it in their system and update for them. I then asked for the account the incorrect information was being furnished by and she declined to provide the information.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to demand the immediate deletion of the following accounts and inquiries from my credit report due to inaccuracies and Experian 's failure to conduct proper investigations, as highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against your organization ( Consumer Financial Protection Bureau XXXX Experian, XX/XX/XXXX ). 

Accounts to Be Deleted Immediately, Without Further Investigation : DPT EDXXXX - Account # : XXXX DPT ED/XXXX - Account # : XXXX DPT EDXXXX - Account # : XXXX XXXXXXXX XXXX XXXXXXXX - Account # : XXXXXXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  - Account # : XXXX XXXX  XXXX - Account XXXX : XXXX Chapter XXXX Bankruptcy - Account # : XXXX Chapter XXXX Bankruptcy - Account # : XXXX Inquiries to Be Removed Immediately : XXXX XXXX  - Auto Financing - XX/XX/XXXX - Experian XXXX XXXX XXXX XXXX Auto Financing - XX/XX/XXXX - Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Experian XXXX XXXX - Auto Dealers, Used XXXX XX/XX/XXXX - Experian XXXX XXXX XXXX XXXX  - Auto Financing XXXX XX/XX/XXXX - Experian Violations of My Rights Under the FCRA As detailed in the CFPB lawsuit, Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) by : Conducting sham investigations instead of proper reviews of consumer disputes.

Improperly reinserting inaccurate information without adequate procedures to prevent reoccurrence. 
These failures violate my rights under the FCRA, and I am therefore demanding the immediate removal of the aforementioned accounts and inquiries without further investigation. 

Legal Obligations Under the FCRA, Experian is obligated to ensure the accuracy of consumer reports and to address consumer disputes promptly and effectively. Any further delays or improper handling of this matter will result in escalated complaints to the CFPB and potential legal action.

Action Required Delete the specified accounts and inquiries immediately.

Confirm the deletions in writing within 30 days of receiving this letter, as required by law. 

If this issue is not resolved promptly, I will escalate my complaint to the CFPB and explore legal remedies to address Experian 's violations of my rights. 

Thank you for your immediate attention to this matter.
Product: Mortgage

I have been behind on several payments due to being unable to work and living solely on XXXX pay with my wife and XXXX kids. My wife is my XXXX through the XXXX so she cant work but is a XXXX and has filed as a XXXX through the XXXX. We are waiting on those results. All 3 loan mod payments were made in the month agreed except for XX/XX/XXXX, which was made a day late on XX/XX/XXXX. I spoke with PennyMac about this and was assured everything would be ok. I have also been in contact with a HUD company called XXXX XXXX XXXX XXXX XXXX which tried to send a third party request to stop foreclosure. PennyMac did not. This is my XXXX coordinator in which when she talked with PennyMac was lied to about everything. XXXX XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX HUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Please note we moved to the XXXX XXXX  XXXX, AZ XXXX ( XXXX ) XXXX Main ( XXXX ) XXXX Direct ( XXXX ) XXXX Fax Here is the agreement and PennyMacs own payment statements for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please help. I have a hard time with day to day activities and XXXX kids who depend on me. Finances have recently freed up about {$1200.00} so my mortgage should not be an issue making.