23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Wakefield and Associates has violated my rights according to 15 U.S.C 1692g-validation of debt. I sent my dispute letter requesting debt validation for account # XXXX and account # XXXX thru XXXX certified mail XX/XX/2022 tracking # XXXX it was delivered XX/XX/2022. I did not receive any return mail within 5 business days to let me know they received my request for debt validation and are investigating the matter or any documents to verify the debt. which is a clear violation according to 15 U.S.C 1692g ( a ) notice of debt contents and is grounds for removal. Also it appears to be reporting the same accounts twice and due to the non-response i do not know.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act- A consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.

15 U.S. Code 6803 - Disclosure of institution privacy policy.

15 U.S. Code 1681- Congressional findings and statement of purpose 4 ) 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. 

XXXX XXXX credit card shared my credit information with a collection agency name '' XXXX XXXX '' without my permission.The account number is XXXX. I would like to remove the damages that has been reporting to my credit report.
Product: Mortgage

This account has been fully discharged and satisfied. I never had a contract with Shellpoint. They have never been authorized to access the SSN. I never gave them a SSN. That is Identity theft. Further, pursuant to 15 U.S. Code 1681c, no adverse information other than convictions of crimes is to be reported on the credit report. They have no authority whatsoever to mar my credit reporting. They are to pay all taxes owed to the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax and XXXX  have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the equifax breach destroy my credit
Product: Money transfer, virtual currency, or money service

My PayPal account was hacked in XX/XX/2022. Name was changed, address changed, and email changed. Then multiple unauthorized deposits were made on that day. The following day a check was requested by the hacker, the check was mailed and cashed by the hacker leaving a negative balance of over {$1900.00}. Since I dont use this account frequently I did not know any of this happened until I received a letter from a collections agency in mid XXXX. I have tried to straighten this out with PayPal since mid XXXX and just received an email yesterday saying my claim has been denied. Although I have had PayPal representatives tell me they can see the suspicious activity was done through a different IP address and that the fact all the personal info was edited the day of the activity is a huge indicator this is in fact fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am a co-signer on my daughter 's private Student Loans with Citibank. I recently found out when applying for a loan that my daughter has defaulted on her obligation to the loan due to high monthly payments. The loan has apparently been marked as Charged Off and it has severely affected my credit. I never received anything in writing from the lender indicating the default, the balance owed, the late payments, or asking me to pay, etc. I was never given the opportunity to satisfy the debt. The loan is many years old and I had no idea that my daughter was struggling with maker her payments. I think it should be mandatory that creditors provide the defaulted account information in writing to the co-signer to give them a chance to rectify. It seems like a very unfair process.
Product: Credit card or prepaid card

Consumer service card holder had the loadable only credit/debit card stolen and or lost on reported date XX/XX/2020. 
This is a PNC XXXX cash card account. 

In question is the financial institution as well as the associates of intentional fraud regarding the account. The card at this point is reported in use for criminal activity.
Product: Credit reporting or other personal consumer reports

Ive had my mortgage for over XXXX years. Ive never had a XXXX day late payment with Freedom, I made a payment XX/XX/year>, the remitter was XXXX XXXX XXXX XXXX the payment happened to be returned as a stop payment, It was a XXXX XXXX XXXX XXXX ACH error, I never stopped patment. XXXX took full responsibility for the error, produced the letter for me to submit to Freedom Mortgage along with the credit bureaus explaining the mishap, XXXX was even kind enough to do a conference call to Freedom Mortgage for an escalation solution to no avail. Ive been in contact with Freedom Mortgage in regards to this matter numerous times they refuse to even acknowledge the letter or the phone calls from XXXX, theyre telling g me its not their policy to make corrections theyre not responsible for. Im a small real estate investor and Im at risk of losing my entire business over this matter. I lost XXXX points on my XXXX XXXX and without the proper XXXX XXXX Im unable to finance my small business and get funding, Im at risk of losing everything because of a mishap. 


Freedom Mortgage XXXX XXXX XXXX, XXXX XXXX, FL XXXX United States Lender XXXX ID : XXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened an HSBC Advance Checking account with a welcome bonus offer of {$220.00} through a promotional link on HSBC 's website. 

Unfortunately, after meeting the terms of the offer by completing the direct deposit requirements, I did not receive the {$220.00} deposit bonus. I called HSBC customer service in XX/XX/XXXX to inquire about the missing bonus, after a 90 day waiting period. The customer service representative informed me that I was not entitled to the welcome bonus offer because they could not confirm that the offer was applied to my account. 

To resolve the problem, I would appreciate the {$220.00} bonus to be applied to my account. I fulfilled the terms of the new account offer, and HSBC should also fulfill their end of the agreement. Enclosed are copies of my records including a screenshot of the offer I received on HSBC 's website when opening my account. 

I look forward to your reply and a resolution to my problem.
Product: Credit reporting or other personal consumer reports

I sent letters last month to the 3 credit bureaus but the all letters has been ignored. I sending this complaint to let the bureaus know that I'm sending my letters on my own. I never hired or use 3rd party to send and file complaint against to the bureaus. I hope it will help to response to my complaint. 


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: Debt collection

XXXX is previous complaint filed XX/XX/2020. 

I sent a Police Report ( XXXX XXXX Sheriff 's Office ) to CACH on XX/XX/2020 per their request. 

CACH never replied to me but sent my file to : XXXX XXXXXXXX XXXX  in XXXX. 
The letter was dated from XXXX XX/XX/2020. 

XXXXXXXX XXXX XXXX  requested a completed Identity Affidavit ( they enclosed ) and I completed and mailed it ( Priority Mail ) to XXXXXXXX XXXX XXXX on XX/XX/2020. 
Again, it was sent completed and with a Police Report. 

I have heard nothing from CACH or XXXX XXXX XXXX. It is now XX/XX/XXXX and they are still reporting on my credit reports as of today. 

I have allowed extra time due to COVID, etc but I have complied with every request they have asked for. 
I am asking for this account to be resolved, removed from my credit files.
Product: Mortgage

My home went into foreclosure The home sold to third party buying the day of the auction XX/XX/XXXX Freedom mortgage is the mortgage company I ask for escrow information XX/XX/XXXX I wrote them email to explain escrow they sent me information about my regular and flood insurance on the XXXX XX/XX/XXXX a break down .I got a letter in the mail couple weeks later about them putting forced insurance on me in XX/XX/XXXX but I never received any information about this {$920.00} payment to this other insurance company I called they said it just went into effrect. ZI wrote the a letter on XXXX XXXX express mail asking for all accounting of my loan to include fees escrows and foreclosure information and what is going to happen to my XXXX check that they kept in their loss draft department now that {$53000.00} now that they no longer own the home, and the house sold to 3rd party for XXXX and and they are the owners I feel that freedom mortgage unjustly inriching themselves by holding my check and drawing interest on it for these 3 years. That is why I put a formal request for my accounting fees and escrow and other information pertaining to my loan but I they refuse to give me any information Loss Draft fm says loss migration FM and the send me back and forth with questions and no one answered anything just point fingers A veteran for closure nonjudcial is only {$1500.00} for the state of Mississippi where is all these fees coming from.
Product: Credit card or prepaid card

I opened up a charge card thru   XXXX   XXXX  /Synchrony Bank. For the last several months I have made the full months payment. I even have a letter from them showing that I am paid current, refunding the late fees I paid ( just in case ). Again, I received a bill with late fees and interest. Again I called and again they said they will correct and send another letter. This is a practice of Synchrony bank hoping we just pay the fees. I am willing to bet I am not the only consumer with this experience. In my opinion this is therie attempt to defraud the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX AND XXXX  IS REPORTING A BANKRUPTCY ON MY CREDIT REPORT. ACCORDING TO THESE BUREAUS, THEIR INFORMATION CAME FROM XXXX XXXX. I HAVE A LETTER ENCLOSED THAT XXXX XXXX COULD NOT VERIFY THE ACCURACY OF THE REPORTING IN THE BANKRUPTCY LISTED ON MY CREDIT REPORTS. I HAVE ATTACHED XXXX XXXX LETTER SAYING THEY COULD NOT VERIFY
Product: Debt collection

I keep receiving calls from a company that claims they are in XXXX called First Recovery. They have called me repeatedly and I have spoken to someone twice. The first time the person hung up on me after I pushed back on giving him the last XXXX of my social security number " for verification. '' The calls always start with a recorded voice and usually hang up before I get a live person. Today I received a call and told " XXXX XXXX '' that I wanted written verification and to stop calling until I made contact after receiving verification from them. I am an attorney and told her that, and that I have looked up the FCRA and also info on their company as a scam. She told me that it would look really bad if I did n't pay my bills since I 'm a lawyer and that I really should take care of it now. I send send me verification and do n't call again. She said she ca n't do that. 

I received a call a few minutes later from XXXX, and she put me in contact with a manager of some sort. He eventually gave me information about me that was correct ( former address, former employer ), although he had my name as " XXXX '' and I always use " XXXX '' for anything official. He told me I owed {$300.00} from a payday loan I took out in 2012 from XXXX XXXX XXXX, plus {$130.00} in late fees. I told him I did n't know what he was talking about and he asked if I planned to pay them restitution. I said no. We argued back and forth and I repeatedly told him that I did n't claim this debt as mine. I asked for proof and he said if I 'm not going to pay, that we 're done and hung up. 

The number the recording gives to call back is XXXX and an account number ( electronic voice, not live person ). They have called from XXXX, XXXX, XXXX, XXXX, and started on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have file planning disputes with experian about my credit report telling them that my name was in spelled correctly that the address that was placed on file was not my correct address I have filed disputes many many times. I have no knowledge of this account and I would like this account to be removed off of my credit report. I send a letter over 5 months ago report num XXXX
Product: Debt collection

The company did not give me more information as to the bill in question, and when I tried to dispute it over the phone they told me they could clear the debt and would help me if I paid XXXX XXXX per month for them to do so, saying if I didnt do so it would affect my credit score, etc. I responded that this is not my debt. I work XXXX  so I was not able to dispute the debt in time but this is not my debt. Company mentioned this could affect my ability to buy a home, I said I own my home and this is not my debt. They said just pay, I said I wont because this is not my debt. I want to see the bill in question and time period as I moved from XXXX XXXX  to XXXX and then XXXX and divorced from my husband in XXXX. I have no lived in the home since XXXX and am based in XXXX XXXX. XXXX is a XXXX XXXX  company and the address in question is XXXX XXXX XXXX, XXXX, NJ XXXX, and should be charged to my ex husband who is the current sole homeowner, XXXX XXXX. I can provide all divorce papers showing I have not lived in the home since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 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

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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

Violation of THE FAIR DEBT COLLECTION PRACTICES. Validation of debts. I have submitted Certified letters of dispute and debt validation letters to Cedar Financial. Once in XXXX of XXXX and again in XX/XX/XXXX. I know through tracking that the letters were received each time, however, I have not heard from the company and every month they raise the balance that I supposedly owed them. They have had several months to gather the information regarding proper debt validation.
Product: Checking or savings account

On XX/XX/XXXX, I was a victim of an imposter scam which took XXXX $ from my checking account. I reported the issue to USAA immediately after discovering I was scammed. They assured me that they would monitor my account before the transaction was processed. Next day the charge was processed and I lost XXXX XXXX They took a month to investigate and decided not to get me my money back as the bank that the money was sent to refused to. I no longer trust USAA for my banking needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.Based on,15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit card or prepaid card

XX/XX/2021 call from amazon stating fraud charges on my acct. Over {$1300.00} from a book club in CA Press # 1 talked to XXXX XXXX (?? ) told him I was not at home to use my computer and to call me back later. Was told not to give personal info to anyone. Found out it was a fraud call and did not answer any return calls ( about 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment status for my loan has been incorrectly reported to the credit agencies XXXX  and XXXX and as a result my credit score has gone from Exceptional to Fair. Both show me as 120 days delinquent on the XX/XX/XXXX mortgage payment, even though my mortgage was paid off in XX/XX/XXXX. Note, from XXXX XXXX through XXXX XXXX  I was in forbearance, and was approved to be in forbearance until XXXX XXXX XXXX 

Attached are documents from Loan Care confirming my forbearance, and confirming that my loan was paid in full. Note, I had extreme difficulty in closing my loan with Loan Care. The company did not respond to my requests to obtain the title of my apartment ( stock certificate to my coop ) in preparation for closing. I believe it only did so -- 4 months after my initial request -- as a result of my complaint with CFPB. The erroneous reporting of my mortgage status is another example of Loan Care 's gross negligence. 

I am also writing to the three credit agencies to dispute my score. 

Attached documents : -- Compliant to Loan Care ( two documents ) -- Confirmation of forbearance from Loan Care -- Closing documents demonstrating that the loan is closed -- XXXX & XXXX  credit reports. I am still trying to get the XXXX report.
Product: Student loan

I was n't able to pay a private student loan I got over ten years ago in Missouri ( MOHELA ). Eventually, a judgment was taken out against me. I have finally graduated from college and would be able to pay a reasonable amount per month, but the exorbitant attorney 's fees and 10 % interest on the judgment are keeping me from basically ever being able to pay off this loan. Also, the attorney will not give me information about how to pay electronically, is not agreeing to the payment arrangement I proposed, and now is trying to make my father pay -- he has even less money than I do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

consistent and privacy, consistent with the coordinate provisions of sections XXXX this section provides that a signature guarantor warrants at to fact at the time of signing. 1681 line 2 right to privacy XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXXXXX XXXX XXXX acct # XXXX XXXX dollars XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX  acct # XXXX XXXX dollars.
Product: Mortgage

XXXX sold my mortgage loan to ShellPoint Mortgage Servicing, which I assume it was sold based on lies. They gave SMS the illusion that they could collect a due debt that did not exist. It has been a nightmare for me and my family since XX/XX/2015 when the XXXX had me sign a deceitful loan modification. I have never stopped paying my mortgage loan, but SMS keeps claiming that I have a debt for more than {$6000.00}. I am willing to pay this sum as long as they show me what month I owe them. I have shown XX/XX/XXXX and SMS all of the payments of each month since XX/XX/2015, proving that I have not missed any monthly payments.