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

I have a collection on my credit report that is fraud related, I have attached all information regarding this account that does not belong to me.
Product: Debt collection

Debt is past statue of limitations and weltman weinberg and reis is trying to illegally collect on a debt that is not owed.
Product: Credit reporting or other personal consumer reports

I was made to pay arrears on child support when the case was opened against me. That back-pay balance shows on my credit report as a personal loan when it should not. I didn't get loaned that money, it is money the court system said I have to pay for when my Ex-wife opened the case against me when I was pcsing to my new Unit in Texas and in the field doing training. The child support gets garnished from my paycheck through a federal withholding which is on time every time I get paid by the military.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- XX/XX/18 {$1200.00} XXXX XXXX-XX/XX/18 {$850.00} XXXX XXXX XX/XX/18 XXXX I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Debt collection

I received this voicemail on XX/XX/year> from an XXXX XXXX regarding some debt owed supposedly. My voicemail is a shared voicemail for multiple people in my home therefore multiple people have access to said phone, it does not have a greeting on the voicemail and is a direct violation of the FDCPAs guidelines regarding voicemails considering the fact he disclosed he is a debt collector attempting to collect a debt, as well as threatened to verify my employment. This is not considered a limited content message.
Product: Debt collection

To : 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 Counsel Bureau of Consumer Financial Protection XXXX As the Agency is Aware I opened at least 3 complaints :XXXX in the past in regards Servicing of my home documents related to my property located at XXXX XXXX XXXX XXXX CA XXXX Against the Beneficiary, The Trustee and the Servicer. I started challenging and disputing the Assignment/Transfer from last XX/XX/XXXX up to now from XXXX XXXX to XXXX and from XXXX to SN SERVICING CORPORATION. I knew the Beneficiary /Investor it was XXXX XXXX during XXXX and XXXX XXXX serviced my Home documents at that time even i tried to keep paying to XXXX XXXX XXXX they fix or correct their wrong doing in transfer the Benefits to XXXX  Because as the Servicer they can't assign/transfer the Benefits the only can do as I learned is the Beneficiary in this case XXXX XXXX  XXXX There is not an Assignment/Transfer recorded from XXXX  XXXX  to any Beneficiary as XXXX XXXX XXXX it was XXXX XXXX XXXX XXXX o SN SERVICING CORPORATION claims it was XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX under XXXX XXXX as the Trustee. Further more I reported the 2 Fraudulent Assignment/Transfers to the CA State Attorney. 
As the time goes SN Servicing Corporation thru its Attorney XXXX XXXX has made some Misrepresentations of the Real facts about the standing its company has over my home property and Covered up a Fraudulent assignment in letting SN Servicing Corporation 's Employee signing in behalf of XXXX XXXX as an Attorney in Fact a Document an Assignment from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and another SN Servicing Corporation Employee giving instructions as beneficiaries to PRESTIGE DEFAULT SERVICES to start foreclosure Proceeding. This last one sent me a Notice of Default, Debt Validation and Declaration of compliance last XX/XX/XXXX. I responded the Notice of default, dispute the Debt validation Notice and Challenge the Declaration of Compliance directed again to XXXX XXXX and the other parties again been ignored, since they did not want to answer me or have integrity in their answer last XXXX I started an Arbitration/Mediation process under Federal Law Title 9 Chapter 2. 
Now on XX/XX/XXXX as a retaliation from XXXX XXXX, SN SERVICING CORPORATION and PRESTIGE DEFAULT SERVICE I got a notice of sale of my house for XX/XX/XXXX. I directed an email to the Owner of Prestige Default Service letting her know there are 2 Assignments with robosignatures, and the Invalid Notice of Default recorded in XXXX XXXX County records. Basically this company makes their dirty work in completing the theft process of my property without respecting any laws or regulation that protects me. 
At this time I'm reporting this type of abuse and Mistreatment by these 3 Companies I mentioned I would like you start an investigation because as Consumer I don't think I deserve to be treat is as such just because I want to exercise my rights to know who legally own my Property. If you need further any Clarification/ documentation let me know Thank You.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my concern pertaining to the recent lawsuit filed by the Consumer Financial Protection Bureau against XXXX for failing to properly investigate consumer disputes. I filed complaints XXXX of 2023 and i haven't received any form of details as to results from the investigation. 

As a consumer who has experienced issues with XXXX handling of credit report errors, I am deeply troubled by the allegations that XXXX conducted " sham investigations '' and failed to remove or reinsert errors on credit reports which they have violated 15 USC 1681 ( i ).

The accuracy of credit reports is crucial for consumers ' access to credit, employment, and housing and primarily mode of living. When consumers like myself dispute errors on their credit reports, we expect a thorough and fair investigation. However, the CFPB 's lawsuit suggests that XXXX 's procedures are inadequate and do not comply with the Fair Credit Reporting Act. This has serious implications for consumers who rely on accurate credit reports to make important financial decisions. 

I urge the CFPB to take strong action to ensure that XXXX and other credit reporting agencies adhere to the FCRA and conduct proper investigations of consumer disputes. Consumers deserve transparency, accuracy, and fairness in the handling of their credit information. 

Thank you for your attention to this matter. I look forward to seeing improvements in the way credit reporting agencies handle consumer disputes. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious issue regarding inaccuracies on my credit report. Specifically, five bankruptcy filings are listed, none of which are valid or belong to me. I have disputed these entries with the credit bureaus, but they have declined to remove them, citing that the bankruptcies were verified by the bankruptcy court. 

However, upon contacting the bankruptcy court directly, I was informed that they do not verify or provide any information to the credit bureaus, contrary to the claims made by the bureaus. I have attached a copy of the letter from the bankruptcy court confirming this. Despite this, the credit bureaus have still refused to correct the inaccuracies on my public records. 

It is important to note that, by law, bankruptcies can only be filed once every XXXX to XXXX  years, depending on the type. The current report inaccurately reflects multiple filings within a span of just XXXX years, which is not only illegal but also impossible. 

These inaccuracies have significantly impacted my ability to secure housing and have caused undue harm in other areas of my life. I kindly request that the credit bureaus verify these entries through a reliable and verifiable source or, failing that, remove them from my credit report immediately. I trust that the matter will be resolved in accordance with the law and in a timely manner. 

Thank you for your attention to this serious issue. I look forward to your prompt action.
Product: Credit card

Please excuse any typos as this is voice texting. Synchrony reduced my credit line for XXXX XXXX, and didnt give me a letter or anything. I just noticed it on the website as I went to pay a bill and just found out recently when I went to pay a bill again that my Lowes credit card was canceled and it was paid on time I owed nothing but XXXX XXXX  on my account, the reasoning was my credit worthiness and Ive had this card for a few months already proven that Im paying my bill on time. Do I have debt? I have debt like any other American I pay mortgage. I pay credit card debt. I pay condo fee. I pay hospital bills and struggle to pay bills by God am I doing it? Yes, I am doing it. I called them and they said oh yeah we just closed it today. You should be getting a letter in the mail. There has got to be something illegal about these practices. Why approve me for the credit card and then just close it after seeing that I paid it on time on youre judging me on my credit worthiness, But the bill is getting paid. Someone needs to make it make sense to me. Synchrony business practices are unethical and if you look at their XXXX page, Im not the only one that theyve done this to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several erroneous items on my credit report both online as well as via US mail, however XXXX  maintains that they will not duplicate an investigation if you have previously disputed these items, however they are wrong and I should not be penalized as a consumer to have erroneous information stay on my credit report because XXXX refuses to re-investigate. Additionally, they do not provide a way for consumers to dispute unauthorized inquiries on their own credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late Closed : XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} Chargeoff : XXXX XXXX Balance : {$5200.00}
Product: Credit reporting 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. 
Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 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. 

The date of service is XX/XX/XXXX and also XX/XX/XXXX XXXX
Product: Debt collection

Upon checking my credit report, I discovered that there was a {$450.00} charge from Kings Credit Service ( California ) pertaining to a medical bill that was from XXXX of 2011. This was the first time that I had ever received knowledge of the bill, and was confused about it because I was on XXXX in XX/XX/2011 '. I called the Agency ( KCS ), the woman that helped me said that back in XXXX of 2011 there were several failed attempts to contact me. She explained that all bills sent to my address were being returned and all calls made to the residence went unanswered. I asked for a verification of the address due to a confusion of why the bills would have been returned. She admitted that originally they had the wrong address, and that upon finally getting the right address, the bills were still being returned. I asked the woman how long it had been until they had the right address, she would not answer. She continued to tell me that at the number that I called her on was the same number that they attempted to reach me on, I believe she said three times, and that I must not have an answering system. I assured her that there has always been an answering system on our telephone, and that it does not ring so many times as to assume that there was not XXXX. She said that she did n't know, just that I signed an agreement that I would pay regardless of whether there were problems with insurance or not. She then asked if I could pay some of the balance, seemingly disregarding everything that I had told her. I told her that I would not make a payment at all, as I felt that it is not my fault that they failed to contact me when I was more than available. Given that I had medical insurance at the time, I would have gladly taken care of any bills that I knew were outstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests to Transunion via fax and mail in reference to the fraudulent accounts and inquiries reporting on my credit file. The other two bureaus have found these to be fraudulent as well and has deleted these accounts. I have submitted my fraud documentation to include a police report and I have had no correspondence form Transunion that they are even investigating these items.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding an accuracies and my credit report despite my submissions XXXX constantly response within 24 hours stating the account is accurate without providing any evidence of the thorough investigation. The practice violates the fair credit reporting act ( FCRA ), 15 U.S.C & 1681i which mandates a responsible investigation of disputes. Furthermore, XXXX actions may also contravene the consumer financial protection act ( CFPA ). 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File No XXXX ) against them for similar violations I requested the CFPB take action to ensure XXXX compliance with federal law and provide consumers with the necessary proof of investigation. I am referring to both capital one accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  ACCOUNTS # XXXXXXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have mailed letters to The Department Of Education Default Resolutions Center as well as XXXX demanding verification of the information they are reporting on their platform. The account does not belong to me and they have not proven it to me. I have given the companies a 30 day response time. 

Regarding two XXXX XXXX accounts disbursed in XX/XX/XXXX, I have no knowledge of these accounts and does not belong to me and have therefore asked for this information to be deleted immediately.
Product: Debt collection

I am a victim of identity theft and have filed a FTC report and police report and notified every accounts company that was opened fraudently.
Product: Credit card

Someone applied twice for a credit card. Once in XXXX and once in XXXX. I was notified by XXXX XXXX  and provided a phone number. When I called the company they asked for my s.s. number and told me nothing in return. The company said they would call me and I didn't give them a phone number. They didn't give me any info told me to wait.
Product: Student loan

False documentation was sent by this creditor, & my signature was falsified. I DIDNT SIGN ANYTHING IN XXXX. This company forged my signature. 
This IS NOT MY SIGNATURE. I DID NOT sign this in XXXX. I finished school in XXXX. It is FALSE information that is not accurate and I want this FALSE INFORMATION REMOVED IMMEDIATELY I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and not reflect my true credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My father made me an authorized user on his XXXX account, I moved out of state and he provided me with an XXXX card with a {$250.00} credit limit for emergencies. Ever since he provided me with that card my credit score has plummeted almost XXXX points. Every place I look, my father 's XXXX account, and the balance is on my credit score. I am only an authorized user, and since I have such low income, being a XXXX year old, his open XXXX account is wrecking my credit. It is stating that my card has no limit, and that the balance of the XXXX card is {$7900.00} currently. I only have XXXX in real credit card debt, nearly XXXX of that being a financing account. The XXXX account is nearly 171 % what my real credit card debt is. I can not find anywhere that will change that information. I never really bothered to look at my credit, but I finally did, and saw that it was very poor, when not even a year ago it was XXXX. Now it is XXXX and has gotten as low as XXXX. I am working on getting a job, and they run a credit report, and them seeing my current credit score could keep me from getting hired. I spent 5 weeks in training for this job, as well as waited for a few weeks for my license to go through. The job will be a great quality of life improvement for me, about a {$20.00} raise. I already passed the class I spent 5 weeks on. This credit score could destroy my potential of getting this amazing job, and could prevent me from being able to improve my quality of life and pay off my tuition with school as well as pay for rent/utilities/food as I am currently only working part time at about 8 hours a week, because I was let go from my full time job that was my main source of income 2 months ago. I do not have the ability to talk to the company because it is my father 's account and am only an authorized user. My father has not missed any payments on his XXXX account, but he uses the card so frequently every month that there is a constant balance that is effecting my credit score severely.
Product: Credit reporting or other personal consumer reports

I am reaching out as a victim of a data breach and identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following unauthorized accounts and inquiries from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$270.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$480.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Mortgage

My home mortgage originated with XXXX Mortgage and was transferred to servicing by Bayview Mortgage a couple of years ago. At that time, within a couple of months, my XXXX ARM ( with XXXX remaining years on it ) was modified to interest only payments based on 40 year payout without my permission or consent. When the 10 years was up and my mortgage was set to adjust ( downward due to lower interest rates ) I sent Bayview a qualified Respa complaint insisting that they adhere to the terms of my loan and give me notice 60 days before adjustment to XXXX XXXX XXXX 1 year rate + 2.25 % margin rounded to nearest 0.125 %. The interest was I was informed changed from 6.625 % to 4.625 % based on 20 years remaining ( not XXXX or XXXX ) because it " could n't change more than 2 % on any single adjustment ''. I had made payments of principal in advance and for a month they moved my money around in and out of different categories from escrow, to interest, to payments and it took them over a month and several phone calls for them to finally get it right. Then, all of a sudden my interest rate went down to 3.375 % with no explanation. I paid XXXX, XXXX and XXXX payments. I went to pay my XXXX payment ( in advance as I do when able ) and all of a sudden my interest rate is 3.875 %. It seems Bayview changes the terms of my mortgage and interest rates willy-nilly with no consent, notification or explanation. I am worried the next adjustment ( s ) will be detrimental, as they do not follow what is written in my " note ''.
Product: Credit card

I received a store credit card from Jared the Jeweler with a huge limit which i used to purchase some jewelry, and I had 18 months to pay it off without interest. I thought that the amount I was asked to pay every month would pay the card off by the time the 18 months was up. I even paid more every month than the minimum due. For some reason I stopped receiving statements in the mail the last few months. But I'm used to paying online every month, so I never even notice that I wasn't receiving any statements in the mail. If I saw the statement in the mail, I would check to see the information and the notice that my 18 months was coming up. In my head because I wasn't receiving the statement and thinking that the money, I was paying every month would pay off the card by time the 18 months was up I wasn't worried. I paid all my bills onetime and if I knew that the 18 months expired XX/XX/, I would have paid the card in full. I had no idea, and I never got any notification via statements or email that if I didn't pay off the card by XXXX XXXX XXXX, I would be charge {$3000.00} in interest. On top of that I'm paying 36 % in interest every month. I think that's unfair for a person who has excellent credit and never missed a payment with Jared for the time I've been with them. I could have paid off the balance long time ago, but I said why rush if I'm not paying any interest ; I would just keep paying the balance due every month and a little more if I can. I was down to approximately {$4500.00} and now I owe almost {$8000.00}. I visited my account yesterday XX/XX/ and I notice that now my account change from paper statement to online statement and I never made that change. I would never do that because I prefer paper statements. All my other bills are paper statements. I think this is a big scam by Jared and their goal is to actually lock you into debt and high interest and not actually to help you because with this extra {$3000.00} plus how much interest. In the long run as of today I would end up overpaying for the item that I purchase, plus 36 % in interest rate for someone who's credit score is almost at XXXX and never missed a payment for over 15 years is ridiculous.