23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt has been sold to FRANKLIN COLLECTION SV by XXXX XXXX XXXX XXXX. I have submitted over 3 letters to your XXXX XXXX XXXX XXXX providing the appropriate documentation of this fraudulent account. This account of {$870.00} keeps on being sold by debt collectors and added every month to my credit report with different dates and time. 

Also, I have previously contacted XXXX XXXX XXXX  to obtain details on this account and they state they have no information on regards to this amount owed or the account. no information on regards to this supposed account has been provided by your company by mail as previously requested. If it is true that I owe this amount to your collection department you should have documentation supporting your claim. By law I am entitle to received all evidence being requested in this letter. 

Account number XXXX Collection opened XX/XX/2021 Account type Collection amount {$870.00} XXXX XXXX XXXX XXXX sold one of the collections for {$870.00} to FRANKLIN COLLECTION SV. This two companies are fully aware and I have provided them with proof of my identity theft. Every month they remove this collection because they have no records as to why am I being charged does amounts and after one week of removing they enter the information again. I have sent more than 3 letters to each with no resolution. this people are destroying my credit intentionally and with malice as they are aware of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XX/XX/XXXX ... .Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX ... .Miscellaneous Reptg. Agencies I applied for an apartment on XX/XX/XXXX at " XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX '' ..XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX , MD XXXX. Phone : ( XXXX ) XXXX. Someone from this company, fraudulently access my credit file twice. I didn't give no one permission and therefore someone needs to be held accountable. My request is to have the one dated XX/XX/XXXX removed off of my credit report, if not both of them removed. 

The XXXX XXXX XXXX is the firm ... Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX XXXX Have misspelled Information on my credit Report My address is XXXX XXXX XXXX XXXX XXXX, Al XXXX My phone number is XXXX. Anything else should be removed from my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordiance with the Fair Credit Reporting act. The list of accounts below has violated my federally proected rights to privacy and confidentially under 16 USC 1681.

15 U.S.C section 602 A. states I have the right to privacy.

15 U.S.C section 602 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 advertised item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

XXXX XXXX XXXX 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

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$340.00} on the XXXX XXXX partial account number XXXX ; XXXX   and XXXX should not be reporting a collection/chargeoff in the amount of {$690.00} on the XXXX XXXX partial account number XXXX ; XXXX should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts have been billed incorrectly. These charges should have been submitted through my childrens medical insurance, not my insurance. I have attached copies of their insurance cards for reference. This false reporting of collection/chargeoff accounts that do not belong to me is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Mortgage

My mortgage note was sold by B of A, who I was working on a modification with coming out of bankruptcy, to Rushmore Loan Management. My mortgage servicer is dual tracking me I have sent in at least XXXX modification applications and numerous support documents. While under the guise of assisting me secure a modification of my loan they proceeded the entire time to push the foreclosure through as evidenced by filing dates on various documents. I need assistance because I want to keep my house. I fell behind because I am unable to work. I have secured a steady income stream and can afford modified payments now for at least two or more years. It has been more than thirty days since I was notified of my complete modification application and required documents being received and I still do not know the status of my request for assistance.
Product: Vehicle loan or lease

Hey folks. 
I've leased a car using Fair app in XX/XX/2019. 
Following their return policy, Ive return the car the next day in XXXX. 
Fair had a system glitch and now one of their departments trying to collect money from me for the car. And the other department said that they hd system outage and my return is acknowledged but their billing and collections department will not be aware of the return until they fix their system problem. 
So now in the end XXXX I am still getting money collection notices from Fair for an already returned car. 
This is what I got from Fair support, which is really frustrating and weird : " My name is XXXX, I am with the returns team. I am reaching out to inform you of the reason you are still receiving the notifications for payments on the vehicle you have returned. I want to be totally transparent with you, we have been having technical issues with getting the return information to our payments department in order to update their end. We are aware the vehicle is returned and are avidly working to get this issue resolved. Any balance you getting that is outside of the return date will be recalculated. You will continue to get these notifications until the issue is resolved. We understand that this is not an ideal situation and really appreciate your cooperation with us through this process. 

Please let us know if you have any additional questions or concerns. "
Product: Debt collection

I had an Old Navy Credit card through Synchrony Bank that was charged off in XXXX. I did not receive any information on it until i called in XXXX. Synchrony stated that the entire amount was written off. I continued to monitor my account and noticed that a balance of {$630.00} was past due on XXXX XX/XX/XXXX. I contacted Synchrony and  they stated that the entire amount was past due and they would send me a 1099c. XXXX XX/XX/XXXX i contacted Synchrony to find out the status of my 1099c because i had not received it. They stated they would send it again. Approx. XXXX XX/XX/XXXX i contacted Synchrony again asking for my 1099c. They verified my address and stated they would send it again. XXXX XX/XX/XXXX i contacted them to inform them that i never received my 1099c. I disputed the information on XXXX, XXXX, XXXX XXXX 12 times the last one being XX/XX/XXXX. Each time The information changed from being {$400.00} written off to {$1600.00} written off and {$630.00} past due. I asked to pay anything that was past due and i was told the entire amount was written off and they were no longer collecting on the account. I asked if the entire amount was written off then why is there a balance showing. They said they would send an updated 1099c with the corrected amount that was written off. I sent an email to the CEO of Synchrony XXXX. I was contacted by Customer Relations XXXX XXXX on XXXX XXXX. She stated that only {$400.00} was written off. and that my disputes that i filed with the credit bureaus showed {$1600.00} written off and i would like the correct information to be reflected on my credit reporting accounts. I explained to her that this was incorrect and the balance should be reported as {$0.00}. XXXX agreed. I received a new dispute update today and the incorrect information is still reflected on all 3 credit bureaus
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) SSN : XXXX XXXX : XXXX Phone Number : XXXX XXXX XXXX Experian Subject : Formal Dispute of Erroneous Account Reporting Dear Experian, I am writing to formally dispute the reporting of an account on my credit file with XXXX XXXX  The account details are as follows XXXX XXXX XXXX XXXX Account Details- Account Name : XXXX XXXX - Account Number : XXXX - Account Type : Sales Contract - Responsibility : Individual - Date Opened : XX/XX/XXXX - Status : Account charged off. {$84.00} written off. 
- Status Updated : XXXX XXXX - Balance : {$0.00} - Balance Updated : XX/XX/XXXX - Terms : 6 Months XXXX XXXX XXXX   Disputed Errors The information reported regarding this account is inconsistent and lacks crucial details, which I believe violates the Fair Credit Reporting Act ( FCRA ) : 1. Contradictory Information : - The account reflects a status of " charged off '' with an amount of {$84.00} written off, yet it also shows a balance of {$0.00}. This contradiction raises questions about the accuracy of the reporting. 

XXXX. Missing Information : - The account does not provide any information regarding the original balance, highest balance, recent payment, or monthly payment. This lack of information is concerning and does not comply with the requirement for credit reporting agencies to maintain accurate and complete records. 

XXXX. Illegally Reported Written Off Amount : - It is unclear how the account can be reported as charged off for {$84.00} while simultaneously indicating an original balance of {$0.00}. This discrepancy suggests that the data has not been adequately verified, and it raises significant concerns about the validity of the account. 

XXXX XXXX XXXX Requested Resolution To resolve this matter, I request the following actions : XXXX. A full investigation into the reporting of this account to ensure its accuracy. 
XXXX. Correction or deletion of the account from my credit file if it can not be verified as accurate and compliant with FCRA standards. 
XXXX. Written confirmation of the actions taken regarding this dispute. 

XXXX XXXX XXXX Supporting Evidence I am prepared to provide any relevant documentation that may assist in this investigation. Please feel free to contact me at the phone number or email address listed above if additional information is needed. 

XXXX XXXX XXXX Closing Remarks I expect prompt action to investigate and resolve this matter as required under the FCRA. If this issue is not resolved in a timely manner, I may pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. 

Thank you for your attention to this matter. I look forward to your response within the 30-day timeframe outlined in the FCRA. 

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

As a victim of identity theft, I am writing to challenge the unauthorized reinsertion of a tradeline for a charged-off account, originally removed following my identity theft report. The reinsertion of this tradeline on my credit report has been done without proper verification and notification, in direct violation of the Fair Credit Reporting Act ( FCRA ).

Section 605B of the FCRA ( Identity Theft Provisions ) : This section mandates the blocking of any information appearing on a consumer 's credit report that is a result of identity theft. Once I have identified myself as an identity theft victim and have provided appropriate documentation ( i.e., a police report ), the credit reporting agency must remove the fraudulent entries from my credit report within four business days.

Section 611 ( a ) ( 5 ) ( B ) of the FCRA ( Requirements Relating to Reinsertion of Previously Deleted Material ) : This provision states that no information may be reinserted into a consumers credit report once it has been removed, unless the information is verified as accurate. The credit reporting agency must also notify me in writing no later than five business days before reinserting the previously deleted information.

Section 623 ( a ) ( 2 ) of the FCRA ( Responsibilities of Furnishers of Information ) : Under this section, furnishers are required to ensure the accuracy and integrity of the information provided to credit reporting agencies. If an item is altered or deleted because of a dispute, it should not be reinserted without subsequent verification that it is accurate and complete, and without notifying the consumer.
Product: Mortgage

NATIONSTAR MORTGAGE LLC DID NOT FULLY GOVERN THE MAKING HOMES AFFORDABLE APPLICATION PROVIDED BY THEIR COMPANY AND AS A RESOURCE FOR HOMEOWNERS EXPERIENCING FINANCIAL HARDSHIPS FOR FORECLOSURE PREVENTION. 
In XX/XX/2017, I spoke with a Loan Specialist at Nationstar Mortgage LLC and discussed the options of a modification for my rental property due to a hardship. The Specialist forwarded documents to me to complete per my request. Once I reviewed the documents I gathered all the data required per the application ( personal information, financial statements, hardship letter & etc. ) I submitted the details to the mortgage company immediately. A short time afterwards, the mortgage company replied notifying me that my modification had been rejected. Upon calling in my concerns, I was informed that my application was denied because the mortgage company was not honoring modification programs for rental properties because President Obama was no longer in office. In requesting the documentation for the Making Homes Affordable Program, the Loan Specialist never informed me of this important detail. MOST IMPORTANTLY the application that I received did not indicate a deadline for the program or if the program was obsolete because Obama 's term was over. During a conversation with another Nationstar Loan Specialist I tried to seek out other options for mortgage assistance but was assured that my choices had run out. 
Nationstar was careless in accommodating my mortgage needs which lead me closer to foreclosure on my property. Despite my hard efforts to keep my property, Nationstar did not properly handle my mortgage assistance request. Ultimately, I was given an ultimatum to pay the accumulated debt or lose my home and therefore was forced to seek immediate, individual personal help for the sake of my loan. 
Their lack of details and misguided communications has provided concerns for other areas of operations in the company. I feel that my personal information sent for a modification review is at jeopardy of being mishandled or improperly discarded as well. 
Nevertheless, a letter I received dated XX/XX/2017 in lieu of my modification request has indicated that Nationstar Mortgage LLC had failed to disclose the owner/guarantor/trustee of my mortgage loan while reviewing my modification request. This letter suggested that Because we ( Nationstar Mortgage ) did not include the owner/guarantor/trustee of my mortgage loan, we are expending your right to appeal non-approval for a modification and your opportunity to discuss loss mitigation options that may be available to you ( me ) to allow an additional 30 calendar days from the date of this notice. 
It appears that Nationstar has a poor habit for disclosing important details and properly communicating with their customers. Their ill-considered actions have caused me more stress than expected during this under addressed mortgage assistance process.
Product: Credit reporting or other personal consumer reports

I filed disputes with experian for inaccurate reporting for this accounts : Dispute # XXXX Dispute # XXXX Dispute # XXXX Also, they have my birth year in XXXX. I disputed it because my birth year is XXXX. And I request that anything credit wise associated with that year is also deleted. 

I requested method of verification under FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). For all listed accounts.

I also requested the records used to support the disputed item, under the FACT Act. 

I received nothing, and its been over 15 days as required by law. 


I was told by XXXX in the Dispute department today. That they are not required to provide a method of verification to me. And that it has to come from the reporting agency. I was told that the investigation team contacts the reporter. 


I requested the employee that the XXXX talked to, documents sent, address, and the dates sent from the reporter. She said she doesnt have any information but a phone number. 

I requested instructions on how to obtain the phone call. And was told only an attorney can request it. 


The method of verification requests has superseded the legal deadline. And I ask for full deletions. 


This is willful non compliance under willful non-compliance under FCRA, Section 616.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Request for Expedited Resolution under Fair Credit Reporting Act Dear CFPB, I hope this message finds you well. I am writing to inform you that I am currently in the process of removing/blocking fraudulent and inaccurate information on my credit report from all three credit bureaus. To formalize this complaint and expedite the resolution process, I am filing an FTC report with you the Consumer Financial Protection Bureau ( CFPB ).

In accordance with Section 605B of the Fair Credit Reporting Act, I am requesting the prompt removal of the identified fraudulent and inaccurate information within four days. I believe this expedited resolution is warranted to rectify the inaccuracies and uphold the integrity of my credit report.

Enclosed with this communication, you will find the necessary documentation, including my FTC Identity Theft Report and proof of identity. I kindly request your immediate attention to this matter and appreciate your prompt response.

Should you require any additional information or documentation, please do not hesitate to contact me. I trust that we can resolve this matter efficiently and ensure the accuracy of my credit report.

Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these 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
Product: Student loan

I have made several complaints on Federal Student Aid website and requested that my complaint be escalated to the Ombudsman Group on XX/XX/year>. The website was faulty and would not show/save my message so I screen shot it and attached it to the complaint. I have made many attempts to call mohela and request information. I requested a full summary of my loan status, but a document in text format was delivered. 

The original problem is that Mohela 's PSLF qualifying payments were up to XXXX payments on multiple loans. I called multiple times to inquire about overages, how I would get them back. I was told a check would be issued by the US department of treasury for the overages once Federal Student Aid approved my status. Once my status was approved, I was locked out of my Mohela account for " maintenance ''. I could not and still can not view my qualifying PSLF counts. I have requested that information and have received no communication.
Product: Credit reporting or other personal consumer reports

My XXXX credit report hasn't been updated since XX/XX/XXXX. it has alot of outdated information which is causing me issues with new credit and posting wrong information that does not belong to me and has a fraud alert that shouldn't be listed. There are old addresses that are not associated with me. my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove all other addresses. My information was compromised before and this information needs to be deleted. There are 3 inquiries that should have been removed in XXXX that has not been removed and its reporting in accurately thats against FDCPA and FCRA. This goes against the bureau 's ; laws. I am suppose to be getting approvals however I am getting denials on falsely reported data. XXXX and Experian all are reporting outdated data and inquiries that have not been removed its been 5 years. its a bunch of fraudulent addresses im sure they know a person cant move all those times and my name is incorrect and differs from my license. They are paid by creditors to furnish outdated debt through a system called metro 6. this is a conflict of interest and unfair to citizens that pay their bills on time, this has put me in a financial bind
Product: Checking or savings account

I opened up an account at Regions and was told they have early pay. I have never received my payroll early. They are able to see it at least two days earlier than the payday but are not able to tell me why its not going in early. Also they are not honoring a credit when opening a new account. I asked about it and was told I have to open account online or in branch. However I did try online but was told so have to call to finish opening account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT IN CERTIFIED MAIL AS WELL AS NOTARIED DOCUMENTS IN REGARDS TO THESE FRAUDULANT ACCOUNTS AND HAVE BEEN IGNORED OVER AND OVER I HAVE SENT A AFFADAVIT FOR IDENTITY THIEF
Product: Credit card

This is following up on my previous complaint- I have now compiled a spreadsheet detailing the payments and credits and proving that American Express is overcharging me by over XXXX. Essentially, on XX/XX/XXXX, I booked an XXXX- I used the " XXXX XXXX '' feature to pay for it, on XX/XX/XXXX, I canceled the XXXX, but as of XX/XX/XXXX, Amex was still charging me fees associated with the XXXX  ( the underlying asset of which was refunded to my card ). Also, I had an active XXXX as of XX/XX/XXXX - and the statement balance was never adjusted to reflect the end/refund of the XXXX  Now, the XXXX is technically over, and Amex has simply added the entire XXXX balance to my statement balance, and they are refusing to adjust the XXXX balance. Here is an XXXX spreadsheet detailing the discrepancy- American express thinks that my statement balance as of XX/XX/XXXX was {$11000.00}, which based on the credits/payments downloaded from Amex ( which I have compiled in a spreadsheet ), the difference between my payments and credits is {$8500.00}. This is a discrepancy of {$3200.00}, which I must have refunded immediately.
Product: Checking or savings account

On XX/XX/2022 I deposited a 3rd party check from the car COVID renters help program, the program doesn't require for the applicant to be a citizen or have an id. So it's hard for the applicant to cash check. The check cleared same day with a deposit hold Until XX/XX/2022. Chase closed my account and on XX/XX/2022 a debit XXXX  charge was done. In the amount of {$13000.00}. They did not return the funds to the original named on the check to his address either they are with holding funds until he comes in with a valid id he doesn't have. Because of this he is risking eviction. And homelessness.