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

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX  XXXX {$2800.00} XXXX XXXX  XXXX {$760.00} XXXX  XXXX {$370.00} XXXX  XXXX XXXX {$160.00} XXXX XXXX {$3100.00} XXXX XXXX {$25.00} XXXX  XXXX {$400.00} XXXX  XXXX {$810.00} XXXX  XXXX {$500.00} XXXX  XXXX {$790.00}
Product: Debt collection

Prior to paying on my account with portfolio recovery associates, It was in agreement with the reps I spoke to that the account would be deleted after it was payed. I ended up paying the entire amount owed, and received a letter in the mail that it had been paid in full. After months of the debt still showing on my credit report as " paid, {$0.00} owed '' I contacted portfolio recovery associates to ask again for the item to be removed as that was our original agreement. At this time I was given the run-around, told to contact  XXXX  etc to have them delete it. I am currently trying to dispute the item to no avail. I had read that this is a regular occurance when dealing with this specific collection company.
Product: Mortgage

I submitted my complaint to the CFPB and my mortgage servicing company on XXXX XXXX, 2015. It is now XXXX XXXX and I have only received XXXX automatic response from the company, Acqura/Clearspring Loan Services, that they have received my complaint and need more time to research my issue. 

Our lives are in the balance here. XXXX our mortgages are about to go out of the interest only stage and we need to refinance immediately. We have been stymied for nearly 2 years by Acqura/Clearspring Loan Services because the company has reported us late on our payments every month while our monthly statements have not shown any problems. We paid 12 months in advance last year in order to clear our record of any late payment reports so that we could refinance without mortgage insurance, but the entire time the company was reporting us as late. 

Like many consumers concerned about late payment reporting, we consistently set up automatic payments and bank withdrawals with our lenders to avoid this very thing, however, Clearspring 's online auto-pay sign up system has failed on numerous occasions in 2015 without alerting me that the auto-pay function was not available to set up online. 
I phoned in XXXX 2015 to ask for auto-pay to be set up and paperwork was supposedly sent to me to do so. The forms never arrived. A second set of paperwork arrived in XXXX. I completed the forms and returned to Clearspring and never heard back. 
On XXXX XXXX, 2015, I phoned Clearspring to ensure that the payment would be made on time and found out that my auto-pay request had been denied. No one had attempted to contact me to inform me of that or why. During that phone call, I found our that Clearspring declared my requested withdrawal date XXXX the XXXX of the month XXXX to be too far after the payment due date. What they did n't consider, for some reason, was that I was actually requesting the XXXX of the PRIOR month to be the withdrawal date to be extra precautious and to spread XXXX of our automatic payments to a different time of the month. 
At that time, the customer service rep told me she would look into my application for auto pay and get back to me. I had to follow up on XXXX XXXX to ensure that my XXXX payment would not be late. The customer service rep at that time said that the problem was that I can only request a draft date within four days of the payment date ( before or after ). So I am back to square XXXX on setting up automatic payments. 
This is XXXX of the smallest monthly bills we have to pay. Why is it so difficult to send them money? The monthly statements the company sends us are hokey. They provide little or no detail about what has been happening to our account, do n't show successfull payments, do n't show late penalties that have been assessed. 
I am concerned that business practices at Acqura/Clearspring place a too-high burden on its customers for making consistent, timely payments. At the same time, the company 's erroneous record-keeping and reporting are damaging people 's lives and threatening to further erode the slow gains the nation 's economy is making.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are not processing my disputes on several accounts. I have submitted several letters requesting validation and method of verification yet I have gotten generic responses regarding these alleged accounts.I have notified the credit bureaus that XXXX 's has falsely reported a payment was made on this account as of XXXX 2019.This creditor is attempting to re-age this account and I have requested validation on 3 separate occasions and nothing has been changed. 
XXXX FORMERLY XXXX is reporting a balance owed on this account yet no notice of deficiency was ever sent out nor has this account been properly validated as requested. 
XXXX XXXX is reporting late payments that never occured due to the fact that this account has been on forbearance and deferment and is now being serviced by XXXX. In addition, there are several duplicate accounts being reported. 
I believe that the credit bureaus are not accurately reporting several accounts in which I have requested validation as well as method of verification. To this date I have not received any of the proof requested.
Product: Credit card or prepaid card

I had a Lowe 's store credit card. I distinctly remember setting up my online profile to pay my entire balance every month. Sometime in XX/XX/2017, LOWES. changed that setting to make only minimum payments. I haven't been checking my account regularly. When I checked my account a week ago, I saw that they were only withdrawing {$52.00} minimum payments and charging me interest every month for the last 9 months, since XX/XX/2017. I make all my payments on time. My credit score is 800+. I tried to discuss with them but their customer service manager said that I set it that way. I want them to provide me evidence about when I made that change to make only minimum payments.
Product: Consumer Loan

I had a motorcycle financed through Synchrony Bank. When I decided to sell it, I listed it on XXXX and XXXX. A man contacted me wanting to purchase the bike and meet him 4 hours away for him to pick it up. He wanted me to give him our bank account info so he could deposit money into it. Of course, I said no. He then suggested a direct transfer from his bank to my financing bank to pay it off. We agreed and the transaction was completed. I spoke with the representative for the bank who said the account was paid off and the transfer was " instant ''. Knowing that this whole thing sounded fishy, I called multiple times following the transaction to verify the account remained paid in full. Two days later, my wife and I drove 4 hours to meet the man in XXXX. I called to verify again, and received the message, '' Congratulations! Your account has been paid in full. '' XXXX before we left to deliver the bike and immediately before handing it over to the buyer. We met in a large public place with surveillance cameras to make the transaction. He signed the bill of sale and we were XXXX on our way. I called to be sure he made it back safely and he did n't answer. Two days later I tried to call again and his phone had been disconnected. Suspicious, I called the bank who informed me that the bank account the man transferred the money from had never existed. I was charged a {$40.00} fee and still owed the full balance on my motorcycle. I was informed that the transaction was not an instant transfer, but instead an electronic check which, like paper checks, require a waiting period. Why was I not informed of this? I took every measure I knew to take to protect myself. We rely on the banks to help us stay informed as they are continuously seeing new forms of fraud. I am very disappointed in the misinformation that I received. I have filed a police report, which did not lead to any recovery but did get the motorcycle listed as stolen a few weeks after the incident. I 've filed a claim with our insurance company, who will not cover it as stolen since there is a clause in the policy stating they wo n't cover any intent to sell transaction and they consider it fraud. We have also spoken to the bank many times, who says it 's not considered fraud to them because our account was n't fraudulently accessed. Is there anyone looking out for the consumer?
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. 

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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE FOLLOWING XXXX ACCOUNTS LISTED HAS VIOLATED MY RIGHTS : # XXXXXXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX, 15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604A SELECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} ; XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XX/XX/2023 ; XXXX XXXX FIN XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXXXX/XX/2023.
Product: Credit card or prepaid card

I was notified by my employer of my wages being garnished for a debt in the amount close to $ XXXXThis is a previously approved credit card of {$6000.00} 15 years ago? The Company is VISA ASPIRE. Never have I been in the presence of this approved credit at 20 years old. No credit history no full time job but my social security was hacked into and used to be approved for something I never had access to. There are unknown records of delinquency in XXXX and payments made towards this in XXXX. I called to locate this application and to ask for the proof of approval but they could not locate this account. Furthermore could not prove I have an account there. My " account '' was place with a collection agency XXXX XXXX XXXX which I have been sued for something I have no direct connection too. Please help stop this fraud and please relinquish this debt from my social security as it is damaging to my livelihood! I am doing my part on filing a claim and a police report to help my case.
Product: Debt collection

Subject : Formal Complaint against XXXX XXXX and Rausch, Strum, Israel, Enerson & XXXX  To Whom It May Concern, I am writing to formally dispute and bring to your attention of XXXX XXXX and Rausch, Strum, Israel, Enerson & XXXX egregious violations of consumer protection laws, specifically 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s2 ( 7 ) ( A ).

Upon my attention to reviewing my credit report XXXX XXXX and Rausch, Strum, Israel, Enerson & XXXX placed collections on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 
Upon reviewing my credit report, I have identified discrepancies that directly contravene the aforementioned statutes. The inaccuracies from the collection agency are violating my consumer rights by using false misleading, misrepresentation, and deceptive means. Im requesting the purchase agreement between the debt collector and original debtor. As well Im also demanding a request to furnish proof that you are licensed and bonded. 
These violations have caused significant harm to my creditworthiness and financial standing. As per the regulations outlined in the consumer protection laws, I request that you promptly investigate these discrepancies and take appropriate actions to rectify them. 
According to the date on my consumer report indicating that I opened an account with XXXX XXXX and Rausch, Strum, Israel, Enerson & XXXX is blatantly false. I neither received any services or products from XXXX XXXX or Rausch, Strum, Israel, Enerson & XXXX into any contractual agreement with them. This information tarnishes my credit history and infringes upon my consumer rights. 
Under 12 CFR 1006.34 ( d ) collection agency has no authority to furnish any account to a consumer reporting agency without providing all disclosures required by law, and they are in clear violation, I am entitled to a timely and thorough investigation of my dispute. I expect that you will adhere to this requirement and provide me with updates regarding the progress of your investigation within the legally mandated 30-45 days timeframe.

Furthermore, under 15 USC 1681-s2 ( 7 ) ( A ), I reserve the right to pursue legal remedies for any failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Im formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 
I hereby declare my revocation of all communication channels with XXXX XXXX and Rausch, Strum, Israel, Enerson XXXX XXXX, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
Thank you for your prompt attention to this matter. I anticipate a swift resolution. Please keep me informed about the progress of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey whats going on with your investigation? i hope my case is now being worked on, its been over three months since I sent you a letter but I have not seen no changes on the negative items to this date. I am waiting for them to be deleted before I can open a loan which is badly needed for my family so I'm hopin it will be removed soon because those are clearly errors on your part. I will keep on making follow up until you provided me with the response
Product: Credit reporting or other personal consumer reports

XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} Date Opened XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent Mutiple letters certified to these companies complaining about inaccuracy on my credit report. I have asked for proof and reinvestigation. They have violated my rights with the FRCA. They have put late payments on my credit without permission. They also charge off this account Mutiple times, when you can on do a charge off once. Please assist. 
I am writing to formally address a serious issue regarding inaccuracies on my credit report and to notify you that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated.

I have sent multiple certified letters to your company regarding the inaccuracies on my credit report, specifically the repeated charge-offs and late payments for the account [ Account Number ] with [ Creditor Name ]. Despite my repeated requests for proof and reinvestigation, these issues have not been resolved.

Late Payments : I did not authorize the reporting of late payments, and they have been incorrectly listed on my credit report.

Charge-Off : The account has been charged off multiple times, which is a violation as a charge-off can only be reported once. 
This ongoing failure to correct the inaccuracies and provide proper documentation constitutes a violation of my rights under the FCRA. I am requesting immediate action to rectify these issues and ensure my credit report is accurate and compliant with the law. 

Please provide confirmation of the actions taken to resolve this matter. If this issue is not addressed promptly, I will consider pursuing further legal action. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the accounts listed on my credit report, as well as any fraudulent credit inquiries, be removed from my credit file with all three bureaus.I have requested supporting evidence, including my signature and documentation from the creditor. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Under the FCRA, specifically Section 611 ( a ) ( 1 ), you are obligated to investigate and provide me with proof of the information reported. Their failure to positively verify these accounts has hurt my ability to obtain credit. I have already filed with the Federal Trade Commission ( FTC ) concerning the following unverified fraudulent accounts and credit inquires connected to my credit report. Under the FCRA, Section 605 of the FCRA : This section specifies that negative items, such as repossessions, must be reported accurately and be verifiable. If the information is found to be inaccurate or unverifiable, it must be removed. Equifax, Experian, and TransUnion Did not provid
ed me with proof of the information reported, including providing me with documentation and an original Consumer Contract with my Signature on it within the 30 days required by that law, thus i need this fraudulent information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hurricane Harvey flooded my home in XX/XX/XXXX. Several months afterward, my XXXX  credit report noted a XXXX account was 120 days late. I first discovered the adverse information in XX/XX/XXXX, in reviewing my credit in anticipation of applying for a construction loan. 

On XX/XX/XXXX, I disputed the XXXX and other adverse information by letter sent certified mail, return receipt requested, to Experian. My proof is attached. On XX/XX/XXXX, Experian received the letter. The USPS delivery information is attached. 

On XX/XX/XXXX, I called Experian at XXXX and talked to XXXX. She denied receipt of my XX/XX/XXXX letter, accepted my call as a new complaint, asserted the right to another 30 days before responding, and refused to look for my original complaint. 

On XX/XX/XXXX, I called Experian again at XXXX, but this time with my proof of delivery in hand. I talked to XXXX, who denied receipt of the letter, mocked me when I offered the delivery information, refused to research my original complaint and hung up on me. I called back, and talked to XXXX, who connected us to XXXX, which refused to talk to us. XXXX asserted the right to 30 days from XX/XX/XXXX before responding. 

My letter 's proof and delivery information is attached as file XXXX doc XXXX FTC - Experian complaint support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and Transunion, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount 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

Ocwen financing llc is reporting a foreclosure on my credit report twice. This is just XXXX foreclosure, having it reporting twice is causing me not to be able to get another loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account from XXXX with a balance is reporting to my credit report showing I am an authorized user, this is incorrect. I do not have an account with discover, and I am not an authorized user on an account with discover. Please assist and remove.