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

To start off. this account was not opened or authorized to be opened by me. I attempted multiple time to resolve this issue directly with the company, but it is impossible to get in touch with them. I attempted to call and email them multiple times and no response. I attempted to dispute and file a complaint directly with credit bureaus and CFPB but the creditor refused to fix this. I really need this account off my credit report and felt like i had no other option than to pay the amount. I contacted them and through their unreliable phone number, the automated system gave directions to contact Indebted for payoffs or settlements. I called and informed me that i was eligible for a settlement payment and once I paid it, it would requested to be deleted from all three bureaus. They called it a " promise to delete ''. So i paid the settlement amount they had informed me about and informed me i would receive a receipt showing the account was paid and that they would let Possible Financial know that it has been paid and they can clear the account and request for deletion on my credit reports. I have emailed Possible financial requesting updates and all they tell me is that the account still shows as it has not been paid. These people are scammers and ruin peoples life.
Product: Credit reporting, credit repair services, or other personal consumer reports

The response given by Transunion is XXXX of XXXX is arbitrary and capricious as it does not definitively state the action that was taken. 

The same debt is reported two ( 2 ) times on my credit, by the same creditor with varying names and account information. i.e. 

Account Name Account Number Balance Monthly Payment XXXX XXXXXXXX XXXX XXXX. XXXX {$250000.00} {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} - - - In response to my latest complaint, XXXX XXXX XXXX has changed their reporting name on my credit report to XXXX XXXX XXXX XXXX XXXX An entity that I have never done business with. See Exhibit XXXX XXXX Transunion Credit Report vs. Exhibit B-XXXX  XXXX Transunion Credit Report. Further, this is a separate legal entity. This is deceptive and problematic. As one can further see, the balance has once again reverting to a balance in excess {$250.00}, XXXX in opposition to the {$170000.00} amount they allegedly verified to support this information remaining on my credit report. See Exhibit A & B respectively. 

Further, upon closer examination one can see that it is the same debt etc... I reject the contention that XXXX XXXX XXXX XXXX XXXX XXXX XXXX verified this debt. The issue and contention is relative to XXXX XXXX XXXX XXXX XXXX XXXX XXXX of my account that facilitated the delinquency of the account ( s ) in question. Further, it is fundamentally impossible for them to have verified the account as stated, as by their own admission and conduct stated, in XXXX of XXXX, that they had not previously provided me with any account statements. Also, the check from XXXX XXXX accompanying the XX/XX/XXXX letter, as a form of restitution, underscores and supports that there was and is outstanding accounting issues. 

In addition, most recently in XXXX of XXXX XXXX XXXX followed up with a letter in support of the restitution they offered related to accounting inaccuracies in XXXX. See Exhibit C and D respectively. This is clear cut evidence that there are discrepancies. 

Further, it is not reasonable to assert that a company who intentionally provides misleading and patently false information and changes its name to avoid culpability and liability is credible. 
Therefore, XXXX XXXX has not verified the debt; continuing to report the same debt twice. Under the Fair Debt Collection Practices Act you, as a Credit Reporting Agency, are required to remove erroneous and unverified information from my account. And as a direct proximate of that FDCP Act, I am formally requesting that this erroneous information be removed promptly.

This is the third ( 3 ) time that I have pointed out these discrepancies and as a recorder of, life determinative, information it is your fiduciary duty to ensure that the information is accurate and correct while following the prevailing statutes and regulations. Failure to do so is a violation of my rights.
Product: Credit reporting or other personal consumer reports

Failure of Experian to Correct, Update, and Remove Outdated Information on Credit Report : Details of the Complaint : I am filing this complaint against Experian for refusing to correct, update, or remove outdated and incorrect information on my credit report, despite having provided all necessary documents and following the correct procedures. 

Summary of the Issue : I sent a certified letter with the required documentation to all three major credit bureaus ( Experian, XXXX, and XXXX ) requesting corrections, updates, and removal of outdated information. 
XXXX and XXXX promptly updated and corrected my credit report as requested. 

Experian, however, refused to make any changes, stating that all information must remain on my report as it is considered data. 

Details of the Dispute with Experian : Multiple Names : My credit report contains multiple names. I want it to reflect only my current legal name. 

Outdated Addresses : My report includes outdated addresses where I no longer reside and incorrect addresses where I have never lived. I need these addresses removed. I have been at my same residence for over 16 years. 

Negative Reporting from XXXX XXXX XXXX XXXX XXXX  ) : There is a negative report from XXXX, which has been resolved by XXXX and paid. Both XXXX and XXXX have removed this negative reporting, but Experian has not. 

Request for Resolution : I request that the CFPB take action to ensure Experian complies with the FCRA and updates my credit report as follows : Correct my name to reflect my current legal name. 

Remove outdated and incorrect addresses from my report. 
Remove the negative reporting from XXXX XXXX XXXX as it has been resolved and paid. 

Attachments : Copies of the certified letters sent to Experian, XXXX, and XXXX requesting this outdated, incorrect information be removed from my report. I have one legal name and one resident. 

Confirmation from XXXX and XXXX that the requested changes have been made. 

I sent the same proof of documentation to Experian, XXXX and XXXX. Along with a letter to each creditor/company stating I owe them funds. I request for proof of the contract with my wet signature and no one could provide it. Therefore, these companies should not appear on my credit report. 

Any additional documentation supporting my dispute. 
Copy of a paid receipt from XXXX XXXX XXXX - debt is paid {$38.00}. XXXX XXXX XXXX is no longer reporting as negative so why is Experian still reporting as negative on my report? 

Thank you for your attention to this matter. I look forward to a resolution that ensures the accuracy of my credit report.
Product: Mortgage

We have been having issues with Ocwen/PHH Mortgage since XX/XX/2019. We have attempted to wire transfer the original agreed upon reinstatement amount in XX/XX/2019, however it was returned. After speaking to someone there who informed me that it went to the wrong account and they would ensure that it would be deposited to the right account and we could continue our regular monthly payment in XX/XX/2019. Unfortunately that wasn't true each month that we've submitted our monthly payment it has been returned. I have attempted to send the reinstatement amount again and it was refused and returned. I have spoken to numerous personnel and each time I continue to get bad information along with wrong names and phone numbers of people to contact. I continuously called the XXXX XXXX XXXX who are the foreclosure attorneys and they keep referring me to Ocwen/PHH Mortgage. I have all of the documents that I've submitted since XX/XX/2019 along with copies of the retuned payments. They provide misleading information in their letters and I try and contact them with very little success. The reinstatement amount has gotten so high that there is no way for me to pay the required amount.
Product: Debt collection

This company contacts me every day. Today on a Sunday they contacted me at XXXX, and every other day this week for about a few months. I asked them numerous times to please stop calling and mail me a letter to the address they have on file with information. This company is portfoliorecovery. They call from numerous different numbers, but majority of them starting with XXXX ( XXXX ) XXXX.
Product: Debt collection

On XX/XX/XXXX, I was sued by a random debt collector by the name of MID-SOUTH ADJUSTMENT CO. I have never been in contact with this debt collection company, I was never served a summons to court, and I was never notified by this debt collection agency regarding the debt in question. I was not given an opportunity to dispute the debt. I received a letter in the mail showing where a default judgment was taken against me and that my work wages will be garnished. I am lost for words because I don't know where this debt came from. I was sued by surprise. I didn't even receive any calls from this debt collection company. I am asking for justice regarding this issue.
Product: Credit reporting

Made XXXX requests to obtain my consumer report from SageStream. SageStream argues that the forms of identification I have provided are insufficient to get my consumer report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regular E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

This is a follow-up to prior complaints. I have a mortgage with Select Portfolio Servicing. I became delinquent on my mortgage account and successfully completed a 12 month repayment plan, of nearly {$2800.00} per month, in XX/XX/2022. Please keep in mind that this repayment plan amount is double my normal monthly payment. When I entered into the repayment plan, I was advised that I could file a loan modification at any point during the repayment plan period. When I was approaching the expiration of the repayment plan, I applied for a loan modification. I was denied a loan modification by SPS, stating that I must wait until the completion of the repayment plan. Following the successful completion of my repayment plan, I submitted another loan modification application. I was denied. I issued a similar complaint with your office and was offered another repayment plan of the same amount, nearly {$2800.00} per month. I contacted the Obudsman Department at SPS, and spoke with XXXX. XXXX stated that he would request a lower repayment plan by extending the term. I contacted SPS for over 3 weeks, as I did not receive a response from XXXX, and could not reach anyone. I continued to leave voicemails and send emails. I finally spoke to someone on today 's date who stated that my reduced payment request was denied. The payment under the repayment plan is excessive and does not solve any problem with the mortgage as it ends with a balloon payment, which can not be fulfilled, as to why I was directed to file the loan modification with the original repayment plan, which also ended with a balloon payment.
Product: Payday loan, title loan, or personal loan

Interest was too high Im a XXXX veteran on a veterans pension I feel I was over charged.
Product: Debt collection

Imperial finance corp. ( IF ) violated FDCPA by contacting company employees and engaging in abusive and harassing practices by making XXXX cell calls on XX/XX/XXXX to an employee while at work. Threated to contact everyone that is or was associated with the company in order to embarrass the company. The company sent a cease and desist letter to IF to stop contacting the company and employees on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX Department/Variety and Other Retail XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

PMAB , LLC has been contact me and reporting to my credit report.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Clarity Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

These account were never given my permissible purpose to furnish these accounts furthermore they infringed upon my rights to privacy in pursuant to 15 USC 1681 ( 4 ) these corporations have caused damage to me mentally and financially. In pursuant to 15 USC 1681a ( 2 ) ( I ) any transaction or experience should excluded from my consumer report.On my XXXX report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) NAVY FEDERAL CREDIT UNION XXXX XXXX ) AND NAVY FEDERAL CREDIT UNION ( XXXX ) AND INQUIRIES XXXX XXXX XXXX AND XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, Has also violated the billing error practice act in pursuant to 15 USC1666 they never gave me the right to opt out and are not reporting accurately I want these late payments as well as the inquires and collection accounts deleted as they are identity thief
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 act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security 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 from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$670.00} XXXX XXXX {$600.00} XXXX XXXX {$660.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint gainst Cash App ( Block, XXXX. ) XXXX XXXX customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXX was unfair and Seceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Bank of America has compromised my property into a short sale, after a long-term application for a Forbearance on my property. The Bank consumed much of my time, and energy through this process very poorly over a three month process. At the time I was collecting unemployment, my case worker indicated that the IRS form I needed to fill out to show whether or not I was in hardship. As a consequence, I was advised at least four times that my form to the IRS was filled out inaccurately, and had to resubmit the form. I was accused that the form was altered per the IRS comments, or other reasons that this form was filled out incorrectly. 
Further, I was advised by the loan modification group that this was the only piece of information was missing to complete my hardship modification. The process began XXXX XXXX, and did not end until I received a letter from the bank late XXXX indicating my only option is a short sale. 
Thus, putting my home into jeopardy of a foreclosure. I called the bank and discovered my only option ( prior to the last two days prior to transferring my loan to another bank ) was to pay back the two months to avoid a short sale by Bank of America. 
The bank 's management of the loan modification group mentioned I was not required to pay my mortgage payments, during the modification process prior to selling my loan effective XXXX XXXX, 2015 to XXXX, XXXX who has now taken over my loan??? I was advised further by management to discover if the new lender had options for me, which I have no idea who this bank is or what the lending practices are. This above issues, and process has caused me emotional duress, much time loss, and hardship, because now Bank of America is making me repay due to the banks error the payments, I was not required to pay. I was provided 30 days to Appeal, but how can I Appeal a decision when my mortgage was sold. I was only notified by mail that my mortgage was sold during the modification process. I also can provide several supportive documents to validate my claim with CFPB.
Product: Money transfer, virtual currency, or money service

My cash app account says its XXXX XXXX and im not understanding why or how
Product: Debt collection

I am submitting a formal complaint against Lockhart Morris & Montgomery INC for illegally reporting a medical debt to the credit bureaus without my consent, in direct violation of the Health Insurance Portability and Accountability Act ( HIPAA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and South Carolina consumer protection laws. 1. Violation of HIPAA ( 42 U.S.C. 1320d-6 ) & Unauthorized Disclosure of Medical Information Under HIPAA regulations , medical providers and collection agencies can not share, disclose, or report my protected health information ( PHI ) without my written consent. Lockhart Morris & Montgomery INC has not obtained my consent to disclose this alleged medical debt to third-party credit bureaus. This constitutes an unauthorized disclosure, violating HIPAA privacy rules and federal law. 2. Violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) 15 U.S.C. 1692e ( 8 ) Prohibits false, misleading, or unauthorized credit reporting. 15 U.S.C. 1692f ( 1 ) Prohibits attempts to collect an invalid or unauthorized debt. 15 U.S.C. 1692g ( b ) Requires proper debt validation before reporting or collection. Lockhart Morris & Montgomery INC has failed to validate the legitimacy of this debt, yet continues to report it, violating federal consumer protection laws. 3. Violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) 15 U.S.C. 1681b ( a ) ( 2 ) Credit bureaus must have permissible purpose before receiving any consumer information. 15 U.S.C. 1681c ( a ) Prohibits reporting of certain information beyond the legal timeframe. 15 U.S.C. 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy. Since I never authorized the reporting of my medical debt, this account must be immediately removed from all credit reports under FCRA compliance. Isnt medical debt supposed to be taken off credit reports anyway?