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

I sent my letters of in XXXX 15,2022 my Tracking numbers are for XXXX XXXX, XXXX XXXX XXXX and XXXX523b0cc17a308b007f3c Told the credit bureaus to " investigate every piece of information and I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant, or else wise compliant to every single one even each any and all of the regulations, applicable laws, and or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or REMOVAL FROM REPORTING otherwise. I DEMAND rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

They Stated my account has been verified but how is that possible if they did not do a proper investigation according to law. Also every piece of information on these accounts are still not reporting reporting 100 % Accurate. According to the FCRA 15 USC 1681 everything has to be 100 % Accurate.

list of Accounts see the attachments of accounts than need to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I had no knowledge of the amount of {$4400.00} that's been added to my credit. I did not agree nor did I sign paperwork for such. I attended court and there was no eviction.I was wrongfully evicted without notice after giving notice of court but no ruling of eviction were given. I have no documents of the amount or an afee statement..
Product: Mortgage

I have a home mortgage through Ditech, formerly Greentree. I mailed this month 's payment on XXXX XXXX, 2016 and Ditech cashed my check on XXXX XXXX, 2016 but did not apply the payment to my account and has since lost the payment/paperwork. This was all unknown to me until I started getting phone calls at all hours of the day and night multiple times a day from Ditech stating my payment was late. When I explained they had already taken my money from my bank account for the payment, I was hung up on or told to fax them a copy of the check from the bank showing the endorsement on the back. After doing so and getting my bank involved, they proceeded to tell my bank that they had never called me or talked to me and they do not have my payment. My bank faxed over a copy of the check they had cashed and Ditech still is unable to find these funds and has yet to apply them to my account. My bank was forced to reissue the payment and has since started mitigation against them as a fraud claim to attempt to get their money back. They are still considering my payment to be late and have assessed fees stating so even though they are responsible for losing the payment, as they have had it in their possession since at least XXXX XXXX, 2016.
Product: Credit card or prepaid card

I just received a statement for the first time, in the mail, from Synchrony Bank or PayPal Credit that claims I owe over {$1700.00} on a credit card that I never opened with them. When I called to inquire, they claimed I opened the account in XXXX but that is not true. In the statement I received on XX/XX/XXXX there are cash advances for around {$100.00} every few days of the last months. They look like they are going to someone in another state. I would like Synchrony Bank to be investigated for improper activation of an account and lack of proper credit monitoring services for fraud detection. I have now been forced to sign up for a credit monitoring service which Synchrony Bank should pay for Additionally, I have changed passwords on many accounts and closed my regular Paypal online billing account. I never signed up for PayPal Credit and they should be investigated for lack of credit, identity and consumer controls. My credit will suffer because of Synchrony Banks profit motive over customer protection values.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate late payments showing on XXXX XXXX card/XXXX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " 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 and Experian ( Furnisher of information to credit agencies ) are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish Negative information that is effecting my personal mode of living, and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. XXXX, XXXX and Experian ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' Any Negative account reporting are adverse items that are reporting again without my permission which is against the law. Per their Privacy Policy XXXX, XXXX, Experian ( Furnisher of information to credit agencies ) also states that I the Consumer have the Right to Opt-out and Correct my credit File. 

As a Federally Protected Consumer XXXX, XXXX, and Experian ( Furnisher of information to credit agencies ) Reporting is Effecting my Personal Mode of living which you said you would not do Per your Privacy Policy Statement. Please correct this at the recipe of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone number : XXXX XXXX XXXX XXXX Dear Transunion, I am writing to dispute the following information that appears on my Transunion consumer report : Dispute 1 Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 2 Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting 2 bankruptcies XXXX & XXXX. After many dispute letters and calls no PROOF HAS BEEN PROVIDED. I asked for METHOD OF VERIFICATION. I disputed theses with XXXX XXXX & they since deleted bankruptcy XXXX from their record. I contacted BANKRUPTCY COURT & they expressed they do not VERIFY OR SHARE INFORMATION WITH ANY CREDIT REPORTING AGENCY or ANY OTHER THIRD PARTY .Therefore WHOM DID EXPERIAN VERIFY THROUGH .I AGAIN REQUEST METHOD OF VERIFICATION OF XXXX & XXXX.
Product: Debt collection

I am perplexed by the slow process of your investigation, especially when other credit bureaus have promptly addressed similar disputes. I am a victim of inaccurate reporting, and I have diligently followed the proper channels to rectify the situation. The delays in the investigation process are causing additional harm to my financial well-being and XXXX XXXX 
XXXX XXXX -PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. 
XXXX  XXXX Bankruptcy-discharged Reference # : XXXX -PLEASE DELETE!!! 
I am confused as to why the other credit reporting agencies have promptly addressed similar disputes while your bureau seems to be ignoring my requests. I request that you expedite the investigation of my dispute and promptly remove the inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me XXXX stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.
Product: Payday loan, title loan, or personal loan

Hello, In XX/XX/2021 I watched a XXXX video that mentioned a company that was offering a XXXX credit line for their company. The payments were made, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XXXX XXXX. In the interest of boosting my credit profile and obtaining a higher score, I applied and was approved for the credit line and made a purchase of XXXX for some custom-made sneakers as a gift for my teenage son. The seller, XXXX XXXX, directed me by phone how to purchase the sneakers and assured me I would have my credit line and sneakers within4XXXX8 weeks. After 8 weeks, I recieved neither the credit line nor the sneakers so I became suspicious and reached out to XXXX XXXX the owner of collectivecon.com and reachable at XXXX and XXXX. He stated in an incoherent manner, there was a supply chain issue. I asked, while that may indeed affect the sneakers, the credit line would not be affected because that is a service and not a product and he hung up on me. I went to Affirm, the third-party loan servicer for XXXX. They said they could NOT help me, even though I received nothing for my money. I explained I RECIEVED NOTHING-and I am protected as a consumer against fraud. This was an fraudulent sale and even my own credit card company agrees it was " theft by deception '' or possibly " wire fraud '' and they are trying to get my money back. I am afraid that my bank will get my money back and I will have a negative on my credit rport for failure to pay for something I never recieved. I am certain I am not the only one. This was a clever scam. Affirm also continued to bill me for an additional XXXX so I am fighting the purchase of XXXX and an additional XXXX for some reason not specified. This is blatantly illegal and I am extremely distraught that I was scammed and no one will help me. This is the USA and not XXXX. This should never happen here! Please help, Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX to XXXX Struggling to pay mortgage, home was worth less than the mortgaged paid. Reached out to XXXX XXXX for help they told me to do a loan modification because behind on payments to avoid foreclosure. I wrote letters every month. They told me I do not need a lawyer but foreclosed on my and short sold my house to someone else.
Product: Debt collection

To whom it may concern, on multiple occasions I have been contacted by both XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ( XXXX ) as well as their counter partners Biltt and Gains, P.C. ( BG ), in regards to a phantom debt which is alleged to have been originated between myself and a company called XXXX XXXX ( XXXX ). 
When I was first contacted by XXXX, I explained to the collection agent that I had never heard of XXXX nor did I have any accounts with a company by that name. I asked for the details of the account and later pulled my credit reports in an attempt to authenticate what the agent from XXXX, had shared with me. 
Upon reviewing my credit reports I realized that I in fact had never had a creditor by the name of XXXX, within my entire credit history. Shortly thereafter I received another call from an agent working for XXXX  asking for payment on this unknown XXXX account, I reiterated to the agent that I was unaware of any such account with a company called XXXX. I advised the collection agent that I would like to be sent a copy of any promissory note or written agreement, which would bare my signature for of terms that I allegedly agreed to repay on a loan from XXXX. I never received any such proof of validity of this debt which is in violation to the Fair Debt Collection Practices Act ( FDCPA ). These communications with XXXX transpire within the first two weeks of being contacted by their office. 

To this date I have not received any information that would provide any details of the debts origination date, nor in what form that I am alleged to have utilized these funds. 
To add insult to injury this debt is still not reporting to my credit reports and I have been pursued for a judgment by XXXX, along with their counter partners BG, in XXXX county circuit court of Illinois. On XX/XX/2014, a judgment was entered in favor of XXXX. The judgment has now provided both XXXX and BG, the ability to garnish my pay checks as a result this phantom debt created by XXXX and enforced with BG. 
Im seeking assistance from the CFPB, to place an inquiry into both XXXX and BGs actions against me the matter of illegal debt collection tactics, fraud, and additional violations to the FDCPA. This debt has never reported to my credit reports nor does it at this time, and I have never ben provided written documentation which would indicate that I originated any such loan with XXXX.
Product: Mortgage

I am placing this complaint for the mishandling of my repeatedly requests for a modification. In XXXX I was granted this {$200000.00} mortgage originally with XXXX XXXX, in XXXX it was sold to Countrywide and in XXXX sold to Bank of America. In XXXX my husband had XXXX surgery and had to stop working and I had to reduce my hours to become his caregiver at which time we defaulted. Up until this time we had made every payment on time, even paid {$110.00} extra each month towards the prinicipal. In XXXX financially our situation improved and I started applying with Bank of America for a modification at this point we were only 12 months behind. Each time I called for a status I was given the run around, excuses of lost applications, missing docucments, outdated financials, assigned new representatives etc. When I finally received a response in XXXX it was a denial for not qualifying for any programs. I immediately filed an appeal and the application process and stall tactics began again, all the while the arrears kept getting higher! In XXXX XXXX I received a letter saying my mortgage was sold to XXXX and I found myself having to begin the modification process all over again! In XXXX XXXX XXXX denied my modification and foreclosure notice came shortly after. This time I consulted with a not for profit agency who helped me fight. Finally I was approved but being that non of the arrears were forgiven and no principal reduction the new mortgage amount would be {$310000.00} on a house that is only worth {$220000.00} and the monthly payment was going to be 52 % of my net salary! As much as I want to save my home I could n't accept this offer. Financially I am able to pay this mortgage, I have no outstanding debt, my credit score is XXXX, I pay all my bills on time, all I need is an affordable modification! What I do n't understand is why Bank of America was allowed to get away with this. My misfortune happened during the banking industry crisis they got bailed out by the federal government why ca n't the government help the common man keep their home! I built this house in XXXX when I was XXXX years old I raised my XXXX children, this is not a house this is our HOME! All I need is someone to help me fight against this injustice, reduce the arrears that were not my fault and let me keep my home!
Product: Mortgage

I contacted my mortgage servicer, Freedom Mortgage by phone on XX/XX/20, for informational purposes only, to see what programs they were offering during the COVID-19 pandemic. I was not late nor delinquent in my mortgage payments. I spoke with XXXX, Rep # XXXX, she told me about the forbearance plan. I stated I did NOT want to be on a forbearance plan. I received a letter from Freedom Mortgage stating I was approved for a 3 months forbearance plan, and while on this plan my property would be subjected to one or more inspections, any payment I sent would be held in a suspense account and applied only after all fees related to the forbearance plan had been settled. I immediately called and spoke with XXXX, ID # XXXX and explained I did NOT consent to this, he said he would cancel it. It has not been canceled, the payment I sent has NOT been applied and I am afraid I will lose my home due to being placed on a forbearance plan. I can not afford to pay fees or costs associated with a plan I did not ask for. It is reprehensible the government has " removed hurdles '' for the mortgage servicers thus putting hurdles in the consumers way. The mortgage servicers will find a loop hole to charge us consumers fees, they always do. Please, please help me get OFF this plan before I lose my home to this. The stress of this situation has affected my physical and mental well being, strained my personal relationships as well as the ability to do my job. I have spent hours on the phone, and writing letters, I sent a Qualified Written Request Letter to no avail. I wonder how many others is this happening to?
Product: Credit reporting or other personal consumer reports

I submitted a letter addressing a late payment that was erroneously reported on my account, but I have yet to receive any correspondence in response. According to Section 611 ( a ) of the Fair Credit Reporting Act, it explicitly stipulates that a failure to investigate such matters within a 30-day timeframe warrants an immediate update to my credit report. It has now been over 30 days, and I have not witnessed any change in the status of this item. I kindly request the immediate correction of this account, as mandated by law. If this issue is not resolved promptly, I will have no choice but to pursue legal action due to the undue stress and inconvenience this situation has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. 

In addition, I did not give you EXPERIAN permission to furnish this information in my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ). Which constitutes fraudulent activity and is also a serious breach of my privacy rights. Please validate this information with these companies and provide me copies of any documentation associated with these accounts bearing my signature authorizing an inquiry.
Product: Debt collection

Not my accoun, identitify theft victim. Stolen card an phone. 

XXXX XXXX XXXX
Product: Debt collection

There was a collection account that was placed on my credit report from Penn Credit in XX/XX/2023. I did not have any prior acknowledgement of the debt by phone or a letter in the mail. When I called and spoke with a representative in XXXX, I asked for a validation letter to verify the debt. It took them over 2 months to send the envelope in the mail and when I opened it, it was a complete different persons information. I called when I received the information and was disconnected with no call back. When dealing with individuals personal information the employees should be careful on where they're sending information.
Product: Checking or savings account

Hello, I have been in request as to have my account released multiple time within the last two to three years. I've have contacted online banking as well as visiting local branch facilities speaking with branch leaders and online supervisor from numerous departments within bank. Each member I have come in contact with has recited the following notes implemented in their system, giving the same outcome without anyone informing the situation of information after complaints and emails have been sent upon my behalf to the highest power of response, not one Letter. my account has been blocked, unblocked, and back blocked for a reason that I have no knowledge of other than calling to have my password reset for online banking. I have Requested to exhaust my account. I've received post cards indicating my account status has been revised to active allowing transactions to post on my account. Documentation Bank requested upon my behalf of proof has been provided. I am still unable to either access or have my account closed being a US citizen of color and without being stereotyped in banking facilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Payment reported lated on XXXX