23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had an original XXXX XXXX XXXX Home Mortgage Loan for my primary residence which has been subsequently sold off to several other mortgage servicers. During the 2008 Financial Crisis my mortgage became insolvent and I was eligible for relief under the HAMP and TARP programs. I applied for a loan modification and was wrongfully denied a modification and have since been in litigation with the mortgage servicers for several years. Per TARP, HAMP and Federal Law. This was not supposed to affect my credit. However, my loan servicer still reports this as a derogatory mark against my credit. They have taken payments from me during a trial modification period. All the payments I made were made in good faith as well as being both timely and well documented. Once again they refused to reinstate my loan and demanded the entire mortgage ballooned to be due and payable in full. We have a written settlement agreement that they have refused to honor. They did not act in good faith and I am pleading for relief.
Product: Debt collection

Harris and Harris company repeatedly leaves a recorded message on my work number regarding an outstanding debt. When I call ( at least three times now ) them they say they are trying to collect a debt from XXXX XXXX XXXX. My full name is XXXX XXXX XXXX. The debt is not mine. I've told them that I'm not the person they are trying to collect from. Each time they say they will correct the situation and that I won't receive any more calls. Yet, they continue to call. The number they leave for me to contact them is ( XXXX ) XXXX. 
Thank you. 

P.S. I didn't want to include my address but it wouldn't allow me to proceed without providing it. Please don't share my address with any other parties, especially Harris and Harris.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

Portfolio Recovery Systems has filed a suit against me on a bill that has been payed in full. The bill was {$650.00}, through XXXX. On XX/XX/XXXX, I paid {$400.00} drawn from my personal bank account. Then on XX/XX/XXXX I paid the remaining bill of {$250.00}. I have asked several times to be sent a letter indicating that the bill has been payed. Portfolio Recovery Systems has refused and even filed a law suit against me even after bill had been paid in full. They also have refused to indicate to creditors that the bill has been paid in full, purposely ruining my credit and credit score.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Collection XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$9200.00} Collection XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Collection XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} Collection Inquiries in Dispute : XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of XXXXXXXX XXXX XXXX XXXX  XXXX of inquiry XX/XX/XXXX XXXX XXXX HILL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date XXXX inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FCU Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA was sent a certified copy of a letter to validate the debt that they say I owe. The amount of the debt is {$6500.00} and it is reported as a charge-off on my consumer report, to this day the account is being reported late with missed payments also no XXXX form was sent to fill out, As Defined By The IRS : Even if you didnt receive a form XXXX, you MUST report the canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! By definition, the IRS clearly says a canceled debt or charge-off is income. The reporting of this account as debt is inaccurate I gave them 30 days exactly and no response was given within that time frame. I then sent a notarized copy of my cease and desist letter demanding they remove the account from my report within 10 days being that I had not been shown any validation. The cease and desist letter allotted them 10 days to remove/respond to the letter. Again, no response and no removal. Certified tracking # XXXX They are violating my rights under 15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states I have the right to privacy 15 USC 1681a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports
Product: Debt collection

Cavalry SPV I , LLC gave an old, out of statute and industry standard debt to XXXX XXXX XXXX to try and collect. XXXX per CFPB compaint # XXXX has agreed the debt is not collectible and has returned the account to Cavalry SPV I , LLC. They now need to close this account, as it is illegal, unethical, and bad business in general to try and collect this debt. They know they can no longer report the debt to credit reporting agencies as it has been removed from ALL credit bureaus. This was an ILLEGAL attempt to subvert law and industry standards to collect a debt that I do not owe.
Product: Debt collection

I was at work today and my employer notified me they had received a fax from a company calling themselves Apex Servicing of Utah representing themselves as XXXX XXXX. The fax stated I had agreed in a court order to repay a loan to this company. I have never been to court on this matter and I am unfamiliar with the associated charges and actions. Therefore that brought up red flags. I did a quick search online for the company and discovered it was tied to several fraudulent related claims by consumers including claims of fraud from the XXXX XXXX XXXXXXXX XXXX XXXX and uses this tactic of false court proceedings as a tactic to trick employers into providing payroll deduction on unsuspecting employees. I attempted to contact the company at the number on the fax XXXX and was asked for personnel information such as social security number and date of birth which I refused to provide. I did not ask for case details but rather asked was the business licensed to operate in Alabama and what was their state licensing number with the XXXX XXXX XXXX XXXX XXXX? I asked this on repeated occasions in a call that they state was recorded. The operator on the other end stated she could not provide me that information and that they were a tribally licensed company. The company would not provide me any information and has falsely used the court system as a pun to try to steal wages through a false wage garnishment. This action seems fraudulent and illegal and I feel reporting it to the FTC since it appears this company is hiding behind tribal law was the best measure. A search of the company also revealed the following similar instance with a filed complaint XX/XX/2020 : Complaint received, file # XXXX. This company appears to be an illegal operation and trying to hide behind tribal law as a way to justify its fraudulent actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/2022 since then the account has been repeatedly updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - XXXX XXXX XXXX
Product: Checking or savings account

I deposited a check on XX/XX/XXXX with XXXX on my mobile device and when I did so it said my funds would be available on XX/XX/XXXX. On XX/XX/XXXX they put a 10 day hold on my check from XXXX XXXX because they said prior history of them not honoring checks. I spoke to XXXX XXXX in XXXX  XXXX and they said thats absurd and that XXXX had already collected the money. 

I then spoke to XXXX and they refuse to release my money and said it wont be in my account until XX/XX/XXXX, even though online it says its posted. They said they are just going to hold my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed a copy of my credit report via XXXX in XX/XX/2020 and I noticed an account, listing as collections on my credit report and I do not have a collection account. The account that is listed on my credit report in the name of XXXX XXXX and has an amount of {$4700.00} balance that I PAID and DO NOT OWE. 
I wrote Transunion and XXXX  on XX/XX/2020 and asked them to please remove this negative reporting from my credit report and they refused to remove it.
Product: Debt collection

The debt in the amount of {$3500.00} is not a legitimate debt submitted by XXXX at XXXX XXXX with account number XXXX due to the Agree Order I received XXXX XX/XX/2022 in the County Court of Law, Number XXXX, XXXX XXXX, Texas.
Product: Credit card or prepaid card

On XX/XX/2018 I reported my account ending in XXXX close due to suspicious fraud on my account wells Fargo gladly assisted me with closing the account and opened up a new account for me In XX/XX/2018 I made a complaint that I think my account information has been stolen again and that someone has been using my identify as fraud there was a investigation made ( # XXXX ) for account ending in XXXX Wells Fargo notified me via email XX/XX/2018 that the investigation has been completed and that They couldn't find any valid identify theft, the credit that was applied to my account was reversed, shortly after I was emailed on XX/XX/2018 that my account was closed due to prolonged overdraft. In mid XXXX I contacted wells fargo regarding my closed checking account and also my closed credit card account, my credit card account was closed due to checking account being close ( as wells fargo says ) when I called I was told that if I want to repopen my checking account I will have to go inside of a branch and reapply for a checking account, and my credit card account can should be able to be reopen because it was closed due to checking and NOT for non payments being made. I was told I was going to receive a call back from the CCS executive office and was never notified anything I have to continuously call wells fargo for an update and every time I call they give me a run around, my recent call I spoke to another division of the CCS executive office that is open on Saturdays and was told There was a decision made on XX/XX/18 about my account not being able to reopen and the person on the phone says " the CCS department probably didn't feel like notifying you yet '' wells fargo has bad a known history of data breach and should not be treating or blaming customers for identify theft or data breaches I am extremely upset and dissatisfied with the services wells fargo has provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed this account numerous times and they ignore my disputes. Its been over 40 days and they will not update my account with the correct information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am supposed to be paid from my employer via direct deposit on Thursday, XX/XX/year> but the funds did not show up but everyone else where I work received their direct deposits. Capital One says they are hoping to restore access to direct deposits as soon as possible. I am also waiting on a XXXX direct deposit from XXXX that is also not showing up. I can't afford to lose this XXXX dollars.
Product: Money transfer, virtual currency, or money service

I am trying to link my PNC checking account with my XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my credit report and I noticed several inaccuracies and unauthorized accounts/information reporting on my credit. These remarks have been detrimental to my credit health and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2023 I am writing to file a complaint against Equifax for illegal, deceptive, and fraudulent violations of my consumer and privacy rights under the Fair Credit Reporting Act, GLBA, and 4TH amendments. I am requesting that Equifax take immediate action to comply with legal requirements and remove any information, transactions or experiences that violate any section of the law including but not limited to the GLBA, FCRA, and all State Law. 

Equifax has repeatedly violated my rights under the by engaging in various illegal and deceptive practices, including : Reporting inaccurate information to credit bureaus, despite my efforts to correct errors in my credit report ; Failing to promptly update my credit report with accurate information, even after being notified of errors or omissions ; Failing to provide me with a complete and accurate disclosure of the information in my credit report, as required by law ; Continuing to report inaccurate information to credit bureaus, even after I have disputed it and provided supporting evidence ; Failing to provide me with a notice of adverse action when taking adverse action based on my credit report, as required by law ; Failing to remove any information, transactions or experiences that violate any section of 15 USC 1681 ; Failing to comply with other FCRA requirements regarding consumer rights and protections.

leaking and publishing my data to non affiliated 3rd parties and illegal markets. 
I believe that Equifax 's actions and policies are not only illegal, but also unethical and harmful to consumers like myself. These practices have caused me financial harm, as well as emotional distress and inconvenience. these violations completely Ignore The Frank DODD ACT and almost all Information and privacy laws.

FCRA requires CRAs to implement and maintain reasonable procedures to ensure that the information in their credit reports is accurate, up-to-date, and complete. Additionally, the FCRA requires CRAs to take reasonable measures to protect against unauthorized access to, or use of, consumer information, and to ensure the confidentiality and security of the information they maintain. 

I am therefore requesting that Equifax take action to comply with the FCRA law and hold yourselves accountable for your violations. I believe that Equifax should be required to : Correct any inaccurate information in my credit report and provide me with a corrected report ; Provide me with a complete and accurate disclosure of the information in my credit report, as required by law ; Investigate my disputes and correct any errors in my credit report ; Cease all illegal and deceptive practices and policies that violate the FCRA and harm consumers like myself ; Remove any information, transactions or experiences that violate any section of 15 USC 1681. 
Thank you for your attention to this matter. I look forward to your prompt response and action. 

Concerned XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Removal of Fraudulent Reinserted Accounts To Whom It May Concern, I am writing under the Fair Credit Reporting Act ( FCRA ) to dispute the reinsertion of fraudulent accounts into my credit report. These accounts were previously removed after being identified as the result of identity theft.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts information that was previously deleted, it is required to : 1. Notify me in writing within five ( 5 ) business days of the reinsertion.

2. Provide the certification from the data furnisher that substantiates the accuracy of the reinserted information. 

I have not received any such notification or supporting documentation regarding the legitimacy of the reinserted accounts. This failure to comply with the FCRA constitutes a violation of federal law. 

The following fraudulent account has been reinserted and must be permanently removed from my credit report : REINSERTED FRAUDULENT ACCOUNT : XXXX XXXX  Account Number : XXXX The presence of this inaccurate information is causing significant harm to my credit profile and financial well-being. Furthermore, non-compliance with the FCRA exposes your agency to potential legal liability under 15 U.S.C. 1681n.

To support my claim, I am enclosing the following documentation : 1. FTC Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX I am formally requesting written confirmation that this reinserted account has been permanently deleted from my credit report. Additionally, I expect to receive an updated copy of my credit report reflecting this correction. Should this matter not be resolved promptly, I will pursue all legal remedies available to protect my rights as a consumer.
Product: Credit card

On XX/XX/year>, I received a charge of {$91.00} for a buggy excursion in the XXXX XXXX. I was staying there at an all inclusive hotel at this time, and did not leave my hotel as every activity I did was already paid for before taking this trip. When I saw this charge, I immediately knew it was a mistake because I never paid for extra services or went on an excursion, on top of not recognizing the merchant. I contacted Goldman Sachs, the company running Apple Card, and they have put the burden of proof on me and requested evidence to dispute the charge. I gave them solid proof that the charge is wrong, because the merchant listed a different room number they billed the receipt to, and provided screenshots of my own room number. I have gone back and forth with them for months, and they still keep sending me the same " evidence '' of the purchase I made, and requesting more evidence on my part to disprove it. I have never in my life had to deal with this amount of grief from a XXXX dollar financial institution over a charge this insignificant. It's laughable how ridiculous this is and that they won't wipe the charge, despite providing tangible evidence of fraud.