23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX x over 12 years on unidentified debt when im in a mortg mod XXXX one due to XXXX and hardship. They were told repeatedly anyrhing w XXXX was closed 12 to 15 years ago w an attorney. They must stop. Pressler in XXXX! They went to my employer multiple times it affected my job. I am no longer there. They are contacting an old mortg attorney. They disappear and resurface constant. I will not deal with them any further! I am a XXXX  at a XXXX XXXX  No ability to take back charged off debt.
Product: Mortgage

Refinanced my XXXX XXXX XXXX HELOC on XXXX XXXX with PNC. XXXX XXXX XXXX informed me of a missing XXXX payment. I followed up with boA and explained it was refinanced in XXXX and paid in full and as a result no XXXX payment is due. XXXX  informed me that they received the payoff check from PNC and it was {$100.00} XXXX est ) short so they returned the check to PNC on XXXX XXXX. I called PNC, XXXX the supervisor of the LO I worked with ( XXXX XXXX NMLS # XXXX ) apologized and took full responsibility of the error because she confirmed that she can see in XXXX 's email that the Check was returned and " unlike XXXX 's usual work practices '', XXXX failed to follow up or address the issue and ignored it. XXXX apologized profusely and told me she can not help me get XXXX to reverse the XXXX on my credit report but that she would give me an additional .25 % off my interest rate. I called XXXX and was ensured that due to the mishap, no XXXX would be submitted to the credit bureaus with my promise to pay. On XXXX XXXX I started receiving emails from XXXX that my credit report now had a XXXX. As a consumer I did my part and my credit score is being affected due to the errors of other i.e. PNC Bank. Please help me get this late payment removed from my credit report as it was clearly not my error but the error of a financial institution who was negligent in their normal course of business. In speaking with XXXX, she assured me that PNC takes full responsibility for the error. I also spoke to XXXX XXXX XXXX XXXX direct ) in the escalation department on XXXX XXXX. As of XXXX XXXX, XXXX XXXX has yet to respond to an email or voice mail of mine.
Product: Debt collection

I purchased a service from a company called    XXXX   XXXX    back in   XXXX   XXXX   XXXX  , the service involved  XXXX  virtual phone numbers to be used for my computer programmers to develop an online defense system against fraud. After almost  two months of  trying to make there equipment and services to work everyone just gave up and   XXXX   XXXX   supposedly cancelled the service, as can be verified through email correspondence attached. They claim in there emails that I was notified  on six occ asions by email and phone, this is a lie, after asking them to send me the emails they said they were not in the system. When they decided to send the account to collection the exact same thing occurred, this company NEVER once contacted me for money, not by email and not by phone. Keep in mind that  XXXX   XXXX  had all of my personal information including my address, my cell number which I have had for over 20 years and my emails. I found out about this  " Collection '' from j oining a credit bureau and saw it totally wiped  XXXX  points from my  credit score whi ch in turn caused a bank loan to be denied recently.   I disputed this collection and after some time I heard back from all   XXXX   credit bureaus,  XXXX  agreed with me and wiped off the collection, but both  XXXX  and   XXXX   did not and I still have this collection against me which bewilders me to no end.   During this situation I found that the system for the consumer is totally inept, for example to appeal the decision you are allowed only  100 wor ds!!! In my case it is a very complex situation and to fully understand the situation I can assure you it will require probably  a 1000 or 10000 words.    As far as who I am and how I pay is important, I am   XXXX   years of age, served honorably in the  XXXX   XXXX  and character is why you pay bills, on or about  XXXX  I got very sick and my income dropped to  XXXX , BUT I paid off everyone I owed, as agreed, during that time, as can be verified in the bureaus. Since I did not start using credit i.e. did not have the ability or earnings to pay debts my credit was wiped out, I do remember back in  XXXX  or so my  credit score  was  XXXX . Just wanted everyone to know ...    One other  matter I noticed, perhaps does not mean anything, but   XXXX   XXXX   and  Professional Credit Services are  in the same state and across  the street from each other, I think they are owned by the same company, if so woul d not that alone violate some regulations or laws?     I have attached the results of the credit bureaus decision along with my bank denial for credit based on this collection plus a word document that has the email correspondence between my self and  XXXX   XXXX .     I thank you for any and all consideration in this matter ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent certified letters in XXXX, XXXX, XXXX, and XXXX of XXXX about XXXX alleged bankruptcy that is listed on my profile. They just now got back to me about this month XX/XX/XXXX which was too long of response and they said it was verified through a third party XXXX XXXX and pacer but not the original source and did not do personal interviews. 

Also, I sent documentation showing the court did not verify and dates letters were sent. You were to do an audit on this, you will find as true and accurate. The court name is inaccurate, an attorney name does not exist is inaccurate and docket number, and also I asked how were you able to verify on pacer when it does not show full social security number, date of birth, and other personal information.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Issue/Account with XXXX, Equifax Dear CFPB Team XXXX I am writing to file a formal dispute regarding an issue with XXXX, Equifax. Below are the details of my concern : Nature of the Dispute : Incorrect information on my credit report and Violation of my consumer rights. 
Report # XXXX  ( XXXX ) Equifax XXXX XXXX ) XXXX XXXX of Events : I have reached out to dispute from 2021 to date. Despite my efforts to resolve this matter directly with XXXX, including contacting their customer service departments, the issue remains unresolved. I believe this matter warrants CFPB 's attention as it involves potential violations of consumer protection laws. 

I kindly request that the CFPB investigate this matter and take appropriate actions to ensure a fair resolution. Please let me know if you require any additional information or documentation from me. 

Thank you for your assistance. I appreciate your dedication to protecting consumers like me. 

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

I am filing a formal complaint against Equifax, and XXXX for reporting a dismissed Chapter XXXX bankruptcy on my credit report that does not belong to me. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) as the information is inaccurate and damaging to my credit profile. 

Key Issues : Incorrect Bankruptcy Reporting This Is Not My Bankruptcy My credit report is showing a dismissed Chapter XXXX bankruptcy ( Case # XXXX, filed on XX/XX/XXXX, in the XXXX Bankruptcy XXXX XXXX New Jersey ). 
I have never filed for bankruptcy. This information is completely inaccurate and not associated with me. 
The presence of this false bankruptcy is severely affecting my credit score and financial opportunities. 
Failure to Properly Investigate Violation of 15 U.S.C. 1681i ( FCRA Duty to Investigate Disputes ) I have previously disputed this bankruptcy, but the credit bureaus failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

The bureaus continue to report this bankruptcy without verifying its accuracy, violating their legal obligation to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Failure to Provide Proper Documentation Violation of 15 U.S.C. 1681b & 1681g When I requested proof that this bankruptcy is mine, none of the credit bureaus were able to provide any supporting documents directly linking me to this case. 
Under the FCRA, credit bureaus must provide accurate and verifiable information, yet they failed to confirm any evidence that I was involved in this bankruptcy case. 
Severe Negative Impact on My Credit XXXX XXXX bankruptcy is XXXX of the most damaging items that can appear on a credit report. 
Due to this false bankruptcy, I have faced credit denials, higher interest rates, and financial hardship for something I was never involved in. 
Legal Precedent Supporting This XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The court ruled that credit bureaus must conduct an independent, reasonable investigation when a consumer disputes an item. 
XXXX, XXXX, and Equifax have failed to verify this bankruptcy properly, violating their legal responsibilities. 
XXXX v. Equifax XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Mich. XXXX ) The court found that reporting false public records without proper verification is an FCRA violation. 
The credit bureaus must ensure the accuracy of public records, including bankruptcies. 
XXXX XXXX Equifax Information Services, XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Equifax was found liable for failing to update inaccurate public records, such as court filings and bankruptcies. 
The same negligence is occurring in my case.
Product: Mortgage

the bank misapplied a payment for XX/XX/2020 after 6 weeks the say all is well now my statement shows {$15.00} past due big deal? it must be to them from the number of phone call from them. there is no past due amount the problem has not been fixed what a shame to have to go to a government agency for customer service!!!!!
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, I contacted Equifax and ask them to correct the start date on an auto loan through XXXX XXXX. Instead of updating the information the entire record was deleted. I reached out to them by phone to fix the issue and was told that a representative from XXXX XXXX had to contact Equifax in order for the loan to be re-added to my credit file. On XX/XX/2017, I contacted XXXX XXXX and was told to fax them the request. I did the same day. XXXX XXXX sent me a letter on XX/XX/2017 stating that they had furnished the information regarding the loan to all 3 credit bureaus including Equifax. On XX/XX/2017, I sent a follow up letter to Equifax highlighting incorrect information on my report. I also asked them, again, to add the XXXX XXXX loan to my report. I included a copy of the XXXX XXXX letter in that correspondence. To this date, Equifax is yet to report the XXXX XXXX loan. That is approximately 3 years of on time payments that is favorable data for me that is being left off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple things on my Credit app`to no avail I request my original signature and to see the documents signed but the three XXXX. Equifax andXXXX and none of the have proven anything I'm at the 2 year mark and nothing has been proven or fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED ALL 3 CREDIT BUREAU TO REMOVE ALL THESE HARD INQUIRES IVE HAD THAT I DONT HAVE NO KNOWDGED OF ... ..IVE CALLED XXXX TIME ABOUT THE INQURIES THAT I DIDNT RECOGNIZED OR GIVE ANYONE PERMISSION TO RUN MY INFORMATION I HAVE NO KNOWLEDGE OF IT, THEY DIDNT DO ANYTHING AND ITS DAMAGING MY CREDIT ... ..BESIDES THE I ENTERED I HAVE A FEW OTHER INQUIRES THAT NEED TO BE REMOVE FROM MY CREDIT REPORT XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Capital One did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and Capital One has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 has violated my XXXX. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice credit enquiries on my report that i did not authorize, which resulted in a significant drop in my score. 



XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX  Specialty Clothing Store XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX Yes XXXX/XXXX  Department And Variety Stores - non specific XX/XX/XXXX Yes XXXX XXXX/XXXX General Clothing Stores XX/XX/XXXX Yes XXXX XXXX National Credit Card Cos. 
XX/XX/XXXX Yes XXXX XXXX XXXX XX/XX/XXXX Yes XXXX XXXX XXXX XX/XX/XXXX Yes XXXX/XXXX  Department And Variety Stores - non specific XX/XX/XXXX Yes
Product: Mortgage

I bought a condo in late XX/XX/XXXX. Within a couple months of closing, my mortgage was sold to Freedom Mortgage. 

I have paid the same monthly amount for almost XXXX years. I have never been late, as the loan is an automated ACH payment from my bank account. I do not have an escrow account as I pay insurance and taxes outside of At some point in summer of XXXX, Freedom Mortgage contacted me regarding insurance coverage via mail. As I already have insurance coverage, I disregarded the notice. What apparently happened was I misunderstood they needed proof of my coverage. They did not contact my insurance agent. They did not call or email me for additional information. 

Instead, they applied an insurance coverage over twice as expensive, but no more thorough, than that which I already had, and determined it needed to come from escrow, so they considered me in negative escrow, driving up my monthly payment. I was not aware of this. 

My insurance company, meanwhile, was providing updates to XXXX XXXX, the original provider of the mortgage. 

By the time I understood this, I think in XXXX, I started following up. I was not getting my mail regularly during the fall due to staying in a remote area due to Covid, and my mail not getting forwarded. 

By XXXX when I got reconnected to my mail ( again, no call, no email in the interim ), Freedom mortgage had - reported me negatively on my credit report, causing my score to drop not only below XXXX for the first time i believe in over a decade, but BELOW XXXX, which means i am unable to get good rates on anything - continued to collect my monthly payments but NOT APPLY THEM TO MY MORTGAGE - instead holding them in an unapplied payments 'bucket ' - put me in collections, considering me over {$4000.00} in arears as of XX/XX/XXXX On XX/XX/XXXX, I provided, via email, to Freedom Mortgage, proof of ongoing insurance coverage and no gap for the last two years. In addition, I asked to have my credit restored, my payment returned to its monthly amount prior to this, the escrow eliminated since I do not owe it, and the payments they have been holding, PLUS THE INTEREST earned on them applied to my balance. I have not heard back from them. 

I am now unable to refinance at a lower rate or from a more reputable company due to the issues they have created with my credit report. I am astounded.
Product: Money transfer, virtual currency, or money service

I was contacted, via phone, by a person claiming to represent a religious charity. They asked for a donation via Western Union and I forwarded the money. I then found out they were not a real charity and it was a scam. The money has already been picked up by the scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called XXXX XXXX submitted a hard inquiry to my credit report as someone with my information tried to open a line of credit. I contacted them via email and phone on XX/XX/XXXX. They told me via phone that the account application would be removed, the inquiry would be removed from my credit report, and that it was a fraudulent activity. I put a freeze on my account with Experian. They stopped responding to my emails on XX/XX/XXXX. I followed up on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I sent them documents from the FTC asking them to remove the inquiry on XX/XX/XXXX with no response. 

I contacted Experian several times and each time was told that XXXX XXXX needs to be the ones to remove the inquiry from my file and not Experian. I tried sending documents from the FTC to Experian through their website, but the page won't accept the files. They tell me to download a form to mail the documents to them, but the form doesn't download.
Product: Credit reporting or other personal consumer reports

Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from XXXX Account number : XXXX Reported XX/XX/2018 on my Experian consumer report. Consumer Reporting Agencies have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something As Defined by The IRS.

Late Payments Also the Consumer Reporting agency is reporting Late Payments on this account. Late payments are illegal. 

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with your company by law are excluded from my consumer I need this transaction or experience deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request assistance regarding the ongoing dispute and reinvestigation of a debt reported by XXXX XXXX XXXX. The original creditor for this debt is XXXX, with a balance of {$2900.00}. Despite my previous efforts to resolve this matter, I have not received an appropriate update on the status of my dispute. 

Background of the Dispute : I contacted XXXX XXXX XXXX directly to address and clear the alleged debt and requested that they update their records accordingly. 
Despite these actions, there has been no confirmation of the resolution or a change in the status of my debt. 
To date, XXXX XXXX XXXX has not provided the requested documentation or an update on the reinvestigation related to this matter. 
Request for Validation and Investigation : Proof of Debt and Reinvestigation Findings : I am requesting full documentation related to the reinvestigation of this debt, including : The outcome and findings from the investigation conducted by XXXX XXXX XXXX. 
Any communication records or documentation confirming that the reinvestigation was completed. 
Assignment Contract and Proof of Collection Rights : I request a copy of the original assignment contract or any agreements that demonstrate XXXX XXXX XXXX has the right to collect on this debt. This should include : Details proving the assignment of the debt from XXXX to XXXX XXXX XXXX. 
A clear chain of title, if applicable, that outlines how the debt was transferred. 
Updated Account Status : I request an update on the current status of this debt, including any changes that should reflect the resolution following my direct communication and dispute. 

Legal Basis for My Request : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, consumers are entitled to request validation of a debt and detailed information ensuring the debt is accurate and enforceable. Additionally, any delays or failures to respond to such a reinvestigation request violate consumer protection laws, which I am entitled to under federal regulation. 

Action Required : I respectfully request that the CFPB investigate this matter and ensure that XXXX XXXX XXXX provides the requested documentation or updates the status of my debt in compliance with the FDCPA. 
If discrepancies are found, I request that XXXX XXXX XXXX cease reporting this debt to credit bureaus until the issue is resolved. 
Conclusion : This request is urgent, and I expect a response within 30 days of receipt of this letter. Please notify me of any developments or if any additional information is needed to assist with this matter. 

Thank you for your prompt attention to this issue.
Product: Credit reporting or other personal consumer reports

In XXXX and XX/XX/XXXX, I made monthly installment payments on this Personal Loan electronically and on time. I called and emailed the XXXX XXXX XXXX XXXX XXXX XXXX several times to resolve this matter, as well as spoke with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ). He lied stating he never received the Equifax disputes in XX/XX/XXXX and XX/XX/XXXX. I have his email correspondences stating he did not get the disputes, however, Equifax Disputes Reports indicates that they were immediately responded to and closed the investigations. There was no change or correction in the reported Outstanding Loan Balance of {$2200.00} and no report indicating the actual monthly historical payments made in XX/XX/XXXX and XX/XX/XXXX. The credit report as of XX/XX/XXXX still has not been corrected and has not reported a decrease in the loan balance. The last reported payment activity reported by this creditor was XX/XX/XXXX, with the inaccurate loan balance of {$2200.00} report in both the month of XXXX, XXXX and again in XX/XX/XXXX. This creditor is unfairly and illegally reporting no active payment history since XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX