23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am opening a consumer complaint against MRS BPO , LLC for a debt that was opened due to identity fraud. On XX/XX/XXXX, I opened a dispute with XXXX  Credit Bureau regarding unfair and inaccurate debt reporting. MRS BPO , LLC. continues to report a collections account on my credit file with XXXX  see attached documentation. On XX/XX/XXXX, I received an alert on my XXXX  credit bureau monitoring services of a collections account from MRS BPO , LLC. for a debt I have no prior knowledge of. According to the data provided to the credit bureaus, this account was placed for collections on XX/XX/XXXX ; however, I never received any communication from this company before the account was added to my credit report. 

As a result, I called XXXX  Credit Bureau to dispute the account. I noticed the address associated with the account was XXXX XXXX XXXX XXXX NC XXXX. I have never lived in North Carolina and have been a lifelong Michigander since XXXX. Upon being notified of the additional address on my credit file, XXXX  removed all references to the account and the North Carolina address, leaving XXXX  as the only credit report in which this fraudulent account remains. 

On Tuesday XX/XX/XXXX, I sent MRS BPO , LLC. a debt validation letter disputing the debt and notifying them of the fraudulent activity via US mail ( copy of the letter attached ). As of XX/XX/XXXX, I have yet to receive a response from MRS BPO , LLC. regarding this debt. 

I have a stellar payment history current on all payments for 19+ years and have always paid my debts on time. I have never lived in North Carolina and have not had an account with the original creditor ( XXXX XXXX XXXX XXXX ). By listing an account that is knowingly fraudulent with an incorrect balance and falsely updating this information monthly with XXXX, MRS BPO , LLC. is violating the FCRA and FDCPA. 

I ask for your assistance in remedying this situation by having this account removed from my credit report. MRS BPO , LLC. must correct their records and cease all debt collection on this unverified, invalidated, and fraudulent debt. I greatly appreciate your assistance in resolving this error and removing this blemish from my account. Please feel free to contact me with any questions. 

**Please note this is the second attempt from a collection agency to collect on this fraudulent account - The first attempt was from XXXX XXXX XXXX XXXX I have notified all three credit bureaus of this via written and telephone communications. **
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. XXXX  company is getting away from. Reporting inaccurate FRAUD Government. By reporting inaccurate. Whenever this company responds incorrectly due to these going disputes. Last over 120 days Which has effect my credit rating notice scores .DROPPING.. the credit reporting hasn't reported correctly for quite sometime. .whenever they respond incorrectly. The credit bureau records. Decisions decreed reporting. DONT. Change. I'm bein. Denial for All CREDIT LINES Purchases. This account PAID OFF. When go out and apply for lines credit Been told been turned down not just has it has. affected my scoresit effects INQUIRYS. 25 months HARD credit. Credit bureaus. Try. Having these. Disputes. I DONE 1OX. I HAVE. PROVIDED All NECESSARY DOCUMENTS. BILL.S ALSO THE ORIGINAL OWNER for this AUTO. XXXX XXXX. WHOM. HAS NOTICED HIS account AlSO Recently ( CHANGED ) DECREASE FROM. this. inaccurate. REPORTING from this company l tried using his account fas. EVIDENCE used on an ongoing Dispute Creditt bureau companies. .Whom made changes on his. Account. Without. Give him Proper. Warning. NOTICE changes occurred past this. ( XXXX ) XXXX  CHANGED decision .DECREASING HIS. REPORTING RECORDS FROM THIS company XXXX XXXX Everyone is. Speaking about credit bureaus inaccurately. Report grading. Wonders.is this.technique stunt is bein used. by preventing people for applying for ANY LINE CREDIT. XXXX XXXX account been turned over to ATTORNEY GENERAL .formal worker, veteran bein. denied for Credit Document. PROVIDED SHOWING ACCOUNT. PAID OFF. SOONER. AGREED.UPON. THE. BILL HISTORY Attacks XXXX NO late payments Mades. All on times. NOTICE.CREDIT BUREAU REFUSED changed anything that needs reporting also notice. Are Grades DECREASED .PREVENTED ME FROM, REACH NESS goals life. SCORE NEEDS PURCHASE HOME NOR RENT. I letter payin XXXX other SELF Reporting DEVICES STILL CAN NOT REACH.SCORES FICO. SCORES NEEDED HIRED CREDITS. SPECIALIST. WHOSE NOTiCE. XXXX XXXX. ASWELL WHOMS. Seems be HELPING. XXXX XXXX l company 's. Fraud Government with helping of credit bureaus
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, there was an unauthorized charge in the amount of {$1300.00} made on my account from another country. There were also a few other charges from out of the country that I disputed with Cash App that were settled. I believe because of the amount that was charged they are refusing to help me and give me a thorough investigation on this charge. They will not give any supporting details on why they are refusing to help me. I do not feel protected by them as a customer.
Product: Mortgage

Wells Fargo Bank N.A. is the document custodian that held my original promissory note. I have requested a two sided,  most recent, true, correct and complete copy of my promissory note, including any allonge, produced from the original they held in their vault. I am not requesting a copy as of today if they do not have it, nor from another entity, I only need the most recent copy THEY have. An affidavit or statement that they lost the note and when it was lost is fine also if that is all they have. 

I sent a Qualified Written Request and called but have not been responded to. The below information will give them what they need to locate the copy/file. 

The loan was in the XXXX XXXX XXXX Wells Fargo is the custodian of the XXXX XXXX trust, also known by its Deal Identifier : XXXX or Long Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. See SEC filings : XXXX XXXX XXXX # 1stPage On the 118th Page of 401 it says : The trustee will appoint Wells Fargo Bank , N.A., to serve as custodian of the mortgage loans. The custodian is not an affiliate of the depositor, the master servicer or the sponsor. No servicer will have custodial responsibility for the mortgage loans. The custodian will maintain mortgage loan files that CONTAIN ORIGINALS of the NOTES, mortgages, assignments and allonges in vaults located at the sponsors premises in Minnesota. Only the custodian has access to these vaults.
Product: Debt collection

XXXX has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX survivor XXXX and can not handle anymore stress at all! 
I am a mother of XXXX XXXX XXXX that need me and we are in too much hardship. 
I was sold a FLOODED FRAUD Car by XXXX XXXX XX/XX/XXXX. Car was taken by XXXX XXXX XX/XX/XXXX. They alll KNEW about this car because in XX/XX/XXXX I filed suit under XXXX XXXX XXXX XXXX XXXX and XXXX researched all in XX/XX/XXXX! 
The bank the lender the dealer made me stay and pay! I almost XXXX  in that car. It would come to a COMPLETE STOP at 60 and 55mph, XXXX XXXX   callers engaged so many times from the car for HELP! Towing Repairs in Excess of 8,000 over 24 months and payments and auto insurance. FINALLY XXXX  XXXX NJ was mandated by XXXX to GET TO SOURCE OF ENGINE a year after the lemon law!!!!!! It was a Breach of Warranty!! NO ONE Replaced the car!!! I have no car!!!! No one did anything but take it over a payment behind after all I mentioned. The dealer did not obey the law. The lender kept saying they are sorry! NO I need all CARS on MY CREDIT REPORT REMOVED ASAP!!!! It is affecting my ability to get credit not only for another car but for my kids education and my medical health. They all did not honor the law. I should be refunded. I need this OFF MY CREDIT and STOP harrassing me at work all of them. It has to end. ALSO FOR a YEAR XXXX a month to rent a car!!!!!!! I was able to afford my car my issue was car never worked and was unsafe and the dealer and lender knew! I repeated myself every week every month as to what was going on and my lawyer to mandated they replace with the refunded deposit. No one replaced no one helped they came and took my car once fixed!!!! I had 4 weeks of peace and now no car!!! AND have XXXX cant get into anything with this mess on my report and my kids the loans all fell through this year with the damage to my credit. I am a XXXX XXXX of 30 years ago I work all my life, THIS IS A DISASTER! This car was a danger and fraud and 33 months of car payments and car insur and repairs towing and more now rentals unaffordable!! HELP! GET IT REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, am filing this CFPB complaint concerning a dispute of re-investiga tion. Into inaccuracy being reported on my consumer credit reports. With XXXX, Trans Union and XXXX XXXX XXXX. In my dispute I also had my disputes notorized as verification of the date they were filed In the filing of my disputes my federal rights were violated by the furnishers. Whom, were reporting of the inaccurate infromation.My rights were violated by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent my disputes requesting an reinvestigation into the negatively inaccurate informati on that was being reported. According to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). you are required by federal law to conduct a reasoable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 

I demand to see verifiable Proof ( This should be-hard evidence that goes all the way back to the original creditor, not verification from a third database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the negative account. 

I had my disputes notirized to verify that I had submitted my disputes.And not only to show when the dispute letters were notorized as witness of the disputes. After, the filing of the disputes, I never received any notices of investigation results at all. Therefore, the Law is very clear as to the Civil Liability and the remedy available to me for " " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursuing litigation in this matterto enforce my rights inder FCRA. 

In the filing of this CFPB, complaint XXXX demand first of all that the federal staues be followed. By all three credit bureaus, and furnishers. As, I know that credit bureaus do not conduact any reinvestigations. Thats why have not received any reivestigation information on any of my disputes. 

Thus has violated my federal rights over and over again, so I want the negative accounts deleted from my consumer reports with XXXX, Trans Union , LLC and XXXX XXXX XXXX. 

( See attached copy of disputes submitted to the three mayor credit bureaus ) which will prevail all of my rights violated unDER : 15 USC 1681 611 ( a ) ( 1 ) ( A ) 15 usc 1681S-2 15 USC 1681 ( a ) ( 7 ) 15 USC 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ) I demand immediately deletion of account information or face Civil Liability.
Product: Student loan

Every time fed loan and i come to agreement about my loan, they soon send something in the mail stating I did not qualify. They phone calls from random numbers. i barely can purchase food, for me and my son. I'm currently on XXXX different meds, and XXXX different XXXX  and XXXX medicine because of their harassment. Often, I have to double my dosage when XXXX XXXX constantly call me. My credit is shot, I only make enough money to pay rent, light, water.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased a food chopper from Kohl 's using my Kohl 's credit card. It was supposed to be delivered sometime between XX/XX/XXXX and XX/XX/XXXX. As of today, XX/XX/XXXX, it has not shipped. 

I have been trying to cancel the order for weeks. Several times chat agents and their supervisors have assured me that they have credited my account, but they have not. 

I received my bill yesterday and the charge is there. 

I have tried repeatedly to get them to remove the charge and while they promise to do so, they have not. 

It is not fair for me to pay for something I never received.
Product: Credit card or prepaid card

Purchased an airline ticket with points. They told me about a change and provided the option to respond by email. which I did twice. I called them XX/XX/XXXX and ask to respond to me by email. they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acima credit has reported an account that I co-signed on 3 years ago and failed to notify me about the action. I have never heard of a company that reports to the credit bureau without notification. I feel this is an illegal billing practice and I should have been notified. I also filed bankruptcy in XX/XX/2018 which was discharged and could have included this account. However it was not on my credit report at the time. I am told by the company nothing can be done. This is very unethical and unfair.
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. 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 co
nsumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

This complaint is not specifically about an XXXX XXXX or the XXXX XXXX process. I received a notification from Wells Fargo that a phone number had changed on my customer profile. 
I called to inquire ( after verifying there was a phone number on the account that did not belong to me ). They informed me that after I qualified and accepted the auto loan at the dealership, the account was sent to them and the phone number was in their paperwork. Since I was already a Wells Fargo customer, I already had a profile established. They updated this profile with this information. I spoke with 3 people and none seemed to understand why it is a major problem for Wells to be updating an existing account without my consent. If it was a new account, I could understand. But they should not have taken info from a 3rd party and automatically updated my account. I don't know where this phone number came from - I did not provide it, it is not my employer 's or is it my number. It was added to my profile as a work number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making my formal complaint bring light to the violations the three credit reporting agencies continue rack up dealing with the accuracy of my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. I started my journey to get this corrected by filing a police report and sending a affidavit to the 3 major credit reporting agencies Experian, XXXX, and XXXX. I realized I was a victim of identity theft when I started crazy calls about accounts that needed payment and I had no clue existed. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1692 ( g ) Validation of Debts the law clearly states validation comes directly from me a " person ''. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Student loan

I made payment arrangements and I was told the amount would be the same until my loans are paid off. I paid the same amount every month but then when I called to check on the pay off date, I was told that I was behind in my payments. My loans were sent to a collection company. I contacted the company and started making payments to them in the same amount each month. When I called to check on my account, I found out that I was in default for non- payment. I told them that I did n't understand how that was possible because I have the bank statements showing my monthly payments. They returned some of my payments from the company but it was still showing that I was behind on my payments. They recommended that I apply for a forbearance to catch up, so I did. Then, it happened again, I was making regular payments and When I called to check on my Account, I was so far behind ( the a, punt that I needed to pay each month changed and I was n't aware ) that I could n't catch up and they told me that I could do a forbearance to remove the amount that is passed due and start fresh after the months of forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

They say credit file is to thin or not scoreable. 
I'm retired I've worked all my life. The information they are using is not reliable and perhaps not updated. I read that during the pandemic and after ; the information they were using was not accurate for credit reporting and credit score. 

At my age, you are not constantly buying or making many big purchases. 
I am trying to rent a apartment and I am constantly denied. 
Back in 2018, the apartment complex I was living in said I did not give 60 day notice. 
I told them I would not be renewing lease due to my father health problem and then I moved out without sign lease. 
And after moving I was able to find apartment within days. 
Then they kept sending me letters saying I had a balance and they put this on my credit report.And now I'm constantly not being able to rent an apartment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went a dealership to finance a car. I expressed to the salesman and also also the finance department that I only wanted to apply to XXXX XX/XX/XXXXand if I wasn't approved to not use my credit for any other banks. THEY LIED and sought after credit to more than XXXXXX/XX/XXXX 
The credit bureaus were suppose to use all of these same date car loan inquiries as one. The following inquiries were not authorized : 1.XXXX XXXX XXXX 2.XX/XX/XXXX- XX/XX/XXXX 3.XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX, TransUnion, and XXXX regarding a XXXX collection account that I wish to dispute. The details of my complaint are as follows : I recently checked my credit report and found that there is a collection account from XXXX on my credit report. However, I believe this collection account is inaccurate and should be removed from my credit report. I have attempted to dispute the account with all three credit bureaus, but have not received any resolution to my satisfaction. 

I believe that this inaccurate reporting is damaging my credit score and hindering my ability to obtain credit and other financial services. I request that the credit bureaus conduct a thorough investigation into this matter and remove the erroneous collection account from my credit report. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that the credit bureaus are accurately reporting consumer credit information. Thank you for your attention to this matter. 

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

Ive been disputing my account with XXXX, Equifax and XXXX for quiet sometimes now and they still have not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

XXXX Account # : XXXX Equifax Account # : XXXXXXXX XXXX Account # : XXXX I have sent and screenshot of my credit report as long with my credit report and this debt has been canceled you can see it on the comment section. If Im not mistaken canceled means that the debt has been written off to the IRS so I have every right to have this account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

2. Identity Theft XXXX Account Number : XXXX This is not mine.

3. Identity Theft 01 CITIBANK N A Account Number : XXXX This is not mine.

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, I've asked XXXX and Experian to remove XXXX XXXX XXXX ( XXXX ) collection claim from my credit report. They refused. I have no relationship with XXXX. XXXX purchased debt from XXXX XXXX. I had car insurance with XXXX XXXX XXXX and changed car insurance companies. I paid my policy in full before changing companies. I asked XXXX to remove the XXXX ' collection claim, and they complied. XXXX and Experian refused but they have offered to help me increase my credit score and do credit monitoring if I become a paid member of their service. I believe this is a conflict of interest on their part. Experian has consistently reported my credit score XXXX points lower than XXXX and XXXX to potential creditors on my inquiries because of this " collection ''.