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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

one XXXXr account has been reporting on my credit all three bureaus. i had disputed and now it has come back on all three bureaus, i have proof that this inaccurate and fraud account that was opened with out my knowledge was removed from all three major credit reporting agencies and now it is reappeared again. 
please i called XXXX to dispute and their answer was that no more disputed, this is crazy, i need to have this inaccuracy removed and deleted from my credit file. 
please help me to do so thank you
Product: Debt collection

On or about XX/XX/XXXX I sent by certified mail to CSC Credit service Company about an alleged debt that they say I owed to CSC Credit service Company I have yet to get a response from them I informed them that my HIPPA, and my rights to Privacy had been violated under ( 5 U.S.C. 552a ) as well as 18 U.S. Code 894 Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participated in anyway, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or to attempt to collect any extension of credit, or ( 2 ) punish any person for the non repayment thereof SHALL be fined under this title or imprisoned not more than 20years, or both. 

They have reported this debt on my credit report and has caused me to not to get a house along with my insurance premiums going up. They have and are using EXTORTIONATE MEANS by damaging my name and credibility. And now their silence in this manner is Unacceptable. 

Ive asked for them to provide the following items Provide a copy of my signature with the provider to release my medical information to CSC Proved proof with a verified certificate of authority, and proof their company is licensed to collect debt in my state of Texas. Along with a license number and registered agent or agent of service. 

And lastly an affidavit signed under Penalty of Perjury that their organization has not violated any portion of the FCRA, FDCPA, HIPPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data werestill incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX XXXX charges were made on my PNC XXXX in equal amounts of {$2200.00} to XXXX XXXX, XXXX. Upon notifying the bank that these charges were fraudulent I was asked if my address was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX. This is NOT my address and has never been my address. The bank representative at that time claimed my address was changed through the XXXX. A different representative that same day said that information was not accurate. These charges were removed and did not post to the account. I am making this complaint to provide a record of this fraud and have added additional security measures to my account and credit bureaus. 

A few days later my address was changed again to XXXX XXXX XXXX XXXX, XXXX XXXX. 

I canceled the credit card and requested a new card which was received in an unsealed envelope so I canceled the credit card again and have requested a new one once more. This card has still not been received but was said to be sent to local PNC branch for security purposes. I received a tracking number yesterday from the bank and should be able to track down my card with this information. 

Concerning this fraud and identity theft, I have filed a police report with my local authorities, the XXXX XXXX Police Department, report # XXXX.
Product: Debt collection

Someone other than me hacked my Paypal account and used it to make a XXXX purchase from XXXX. I contacted XXXX and was refunded the money on my Paypal account. Now Paypal is stating that I owe them XXXX because I was creditted twice for the fraudulent purchase. I checked all my credit cards and bank statements and did not recieve another credit for XXXX. Paypal continues to harass me about a negative amount that I have to pay on my Paypal account. I was credited, yes but only once. They are claiming I was credited twice and won't stop harassing me about adding funds to my Paypal account to cover the negative balance.
Product: Debt collection

XXXX has posted false information on my credit report TWICE, The first time was a {$200.00} bill from XXXX XXXX, I proved to them that the VA had paid the bill and they Apologized after causing my XXXX Fico score to drop to XXXX. 
Now they have SIX past due bills from XXXX XXXX XXXX XXXX XXXX XXXX XXXX They had 180days to process these claims with the VA but never followed thru? THEY ARE TOTALY INCOMPETENT! I have a VA letter stating they never filed in the required 180 days required. 
They have now destroyed XXXX XXXX credit score of XXXX to XXXX that took 50 years to establish! 
I'm a XXXX year old XXXX XXXX, with a XXXX XXXX Condition. 
These people are VERY SAD!
Product: Debt collection

I was contacted by NCAXXXX ( national credit adjusters ) saying they have been contacted to collect a debt that I owe from XXXX XXXXl in XXXX  XXXX Idaho on XX/XX/2013 account # XXXX amount of {$400.00}. NCAXXXX  is trying to get {$500.00} due to interest their account # XXXX. I did not create this account or debt. The person from NCAXXXX told me to contact this website to get a affidavit of fraud and send that to them, I could not find that on this site, so I am taking this route.
Product: Debt collection

LVNV FUNDING LLC ( XXXX XXXX XXXX XXXX XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$620.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card or prepaid card

I had a phone account with XXXX. I changed carriers on XX/XX/22, but XXXX continued to charge my Citi card. I disputed the charges with Citi Bank. I then changed my card number to stop the charges. I also asked Citi to stop these recurring charges as I had canceled my XXXX account. Citi verbally agreed to stop the recurring charges, but recently on XXXX XXXX, a recurring XXXX  charge appeared on my Citi card ( the one with the new number ) for {$420.00}. I again disputed the charge with Citi and again changed my card number. To date the charge remains " disputed '' but Citi has not refunded or removed the disputed amount of {$420.00}. I do not owe this money ; I didn't use the services ; I've been disputing the charges since XX/XX/22. Citi needs to remove the XXXX charges from my account.
Product: Checking or savings account

I STILL do not have the bonus that was supposed to be added to my account on XX/XX/2023. It has been over a month! Case number is XXXX. Punitive damages should be TRIPLED now for all the time it is taking me to get ally bank to do their job!
Product: Credit card or prepaid card

I was astonished once I looked at my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due X/2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed being unable to be identified by credit reporting agencies ( resulting in an inability for even XXXX to locate my file ). After calling XXXX XXXX from a company card, I found out that my previous business partner was using my identity to leverage a business card using my name and information. 

His name is XXXX XXXX. 

The billing address for the card was his address at XXXX XXXX XXXX XXXX, XXXX XXXX California. XXXX ( I believe ). 


I also noticed after XXXX finally accepted my identity that there were tons of errors etc. Accounts that are not mine and inquiries I haven't authorized. 

This has destroyed my creditworthiness and now my business which I started in XX/XX/2018. 

I would like to have this resolved.
Product: Mortgage

I tried to do a loan modification with SPS. SPS is stated to me that the investor says I am not eligible. I next submitted a short sale and SPS had this in review. This account is an estate account. The home was owned by my son who XXXX XXXX XXXX XXXX XXXX XXXX. I was and still am living in the home. SPS did an appraisal which was very high so the buyer would not proceed with the short sale. After speaking to several SPS reps we were advised to redo a loan modification and if that failed then we could try a short sale again. Here is exactly was told to me on XX/XX/2019 " XXXX XXXX ( manager ) - stated that SPS has Power of Attorney for investor and they can decide what to review, they gave me a 60 day listing period for foreclosure protection and that even though theres not a sale date pending, its still in foreclosure and since they went past the allotted time they dont have the option to open a new Short Sale review. However, he did say that the loan modification review is an option and that at the end of that review whether or not its approved that a Short Sale review is an option at that time again if theyre denied or dont accept the loan mod approval. '' I spoke to XXXX  who is the owner of the loan and they stated I am eligible for a short sale because there is no sale date within 37 days of the review and they told me to resend the file to SPS. 

It seems SPS is making up rules on their own rules. This statement above stating SPS is doing what they want with having Power of Attorney should be against all CFPB regulations. SPS is hurting me and everyone involved in the short sale. SPS should open my short sale review. I am eligible and they refuse to confirm this with XXXX. They should also open the review because these short sale documents were submitted 37+ days prior to any scheduled foreclosure sale date. 

This is unfair to me, the buyer, and all parties involved in this short sale. 

See attachment as well which page 1 clearly states a short sale is an option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the data furnished stating my social that was given to them shows no record of having an account and experian is in violation next is filing a law suit because they reporting a false account on my credit
Product: Credit reporting or other personal consumer reports

The following credit inquiries listed on my credit report are items where Experian, XXXX and XXXX shared or used my personal information from my credit report with others without my authorization or consent and without communicating with me to request my consent and beyond my knowledge. These inquiries are unauthorized. I request them to be removed from my credit reports with XXXX, XXXX and Experian. The items are listed below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPARTMENT OF JUSTICE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

This individual asked to meet with me and seemed to offer me a deal. Later she stated she was attempting to scam me.
Product: Debt collection

XXXX XXXX ( XXXX XXXX XXXX ) contacted me about an alleged debt. I responded with a debt validation letter requesting several items. They sent me two of the things I asked for. I responded telling them that they did not provide what I asked and that if they did not provide it, I would assume that they did not have the right to collect on it. They did not respond. Instead, they sued me. I know they are currently barred by the CFPB in regard to filing suits in which they do not have proper paperwork but yet they are still doing it.
Product: Mortgage

Due to a unfortunate event of COVID-19, We were granted 6 moths of forbearance from XX/XX/XXXX to XX/XX/XXXX, I was told by employee of ( XXXX XXXX XXXX ) after that i can submit doc to differed the un paid mortgage, in XXXX of XXXX i submitted the request and income verification but no answer, I calld them in XX/XX/XXXX as the status of my case, i was told they transfer the loan to new servicer ( XXXX XXXX ), i called the new servicer i was told it takes 2 months for them to get the documents from ( XXXX XXXX XXXX ) no answer for 3 months always losing or wanting more paper work, and since XXXX of XXXX they will not take my regular payments, I was told by XXXX XXXX they have NOD on the system and will not accept any payment, no NOD was recorded and i did not have any notice send to me by them, i asked them send me any document, they did not.i asked them what happened to package application for loo mitigation no answer from them just we just transfer you loan to new servicer, SN SERVICING CORP XXXX XX/XX/XXXX, I contacted SN serving corp they have assigned me to a case manager after several attempt finally got hold of her, I WAS TOLD WE ARE NOT PART OF ANY COVID PROGRAM YOU NEED TO PAY ALL THE MOMEY U OWE, They play a game than you owe alot and they would not help and they foreclose. 
I ASKED HER IF I SEND HER NEW PAPER WORK ( LOAN ) PACKAGE WILL THAT HELP?, I TRIED TO MAKE MY PAYMENT SINCE XX/XX/XXXX SHE REPLIED THAT WILL NOT HELP, YOU WILL LOSE YOUR 2 % FIX RATE FOR LIFE OF THE LOAN YOU have, AND YOU MAY GET4.75 % AND BIG DOWN PAYMENT.I asked her to send me loss mitigation on XXXX and today is XXXX, for past 10 days i tried to get hold of her leaving voice mail nothing is happening, I called today XXXX i was told she is in the office and as usual she was not in the office, another asset manager said she will e mail her and SHE WILL BE IN THE OFFICE MONDAY XXXX Am a veteran of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX, XXXX  XXXX and XXXX XXXX XXXXXXXX XXXX This loan was fraud from inception 1 month mta with negative amortization i was employee of XXXX when this loan was made, in XXXX i know all about it. Me and my family are going throw bad time for thinking of what is going on, specially we are capable to make our payments .all i tried is to make my payment after XXXX  months of help with forbearance, I wish i never accepted that help. on behalf om me and my family greatly appreciate your attention .Best wishes
Product: Checking or savings account

On XX/XX/21 the 1st transaction was posted to my Bank of America account for XXXX dollars from XXXX ( returned ). Then 2 more transactions were posted to my account for approximately 115000 more dollars and another transaction to XXXX XXXX ( returned ). None these transactions were initiated by me. After two months of investigation by the bank they tell me they will not be persuing this and I need to take matters into my own hands. And I was given a name of a company XXXX XXXX and a cell phone number. Please help out this is my parents account and my father is on XXXX XXXX after having a XXXX and I didn't do anything wrong except put my money in their bank. I was told i need to monitor my account every day. Since I didn't it is all my fault. I have paper statements that are sent out and as soon as the statement came for XXXX i opened it and reported it in a timely manner. According to the statement i have 30 days. Please help
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. and law firm Klima , Peters & Daly , P.A . will not properly verify and validate the alleged debt and they refuse to identify and respond to discrepancies found within statements they sent to me. Moreover, they have been submitting false robo-signed affidavits to the courts. 

The consumer has reason to believe that the affiants and notary public as well as the debt collectors, Klima, Daly & Peters, P.A. and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. are fraudulent and has presented inaccurate documents and false affidavits. Upon my research, I have found that the affiants, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are all notaries public in the state of Virginia along with other notaries public that may work for the same company. They create what appears to be false and robo-signed affidavits using the same template that claims they are both Litigation Support Specialists and notaries public by switching roles and witnessing each others signatures which is illegal as they do not have firsthand knowledge of record keeping of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. records as they claim they are employees of an agent or affiliate, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) that does not appear to be a part of XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Moreover, I have asked the plaintiff to provide the original signed contract/agreement and to investigate the discrepancy found within the statements sent by the Plaintiff that shows three different accounts under the defendants name and they have failed to do so, as the original contract will reflect the original account. 
The affiant and the notary public claims in other affidavits that they/he/she : Is allegedly a Litigation Support Specialist who claims to be employed by an agent or affiliate XXXX XXXX XXXX XXXXXXXX not a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. employee The affiant and his/her partners are all notaries public in the state of Virginia The notary public XXXX XXXX XXXX acts as the affiant in other cases as an employee of XXXX and as a Litigation Support Specialist when on her XXXX profile, she claims to be an employee of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. as a Sr. Legal Coordinator. On the fake affidavit that was presented in this case, she is the notary public under the alias XXXX XXXX XXXX. How can she be both the affiant and notary public, then work for two different companies? 
Attached to this complaint are affidavits used in different courts by the same affiants and notaries public who claim to be working for an affiliate or agent of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
I have notified other agencies of this discovery as well. 

Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accessed my credit report XX/XX/2022 and realized there were multiple inquires on my account that I did not authorize. Ive reached out to XXXX, XXXX, and XXXX on numerous occasions about this matter and was directed to call the those who inquired about my credit. I then reached out to XXXX, Huntington National, XXXX, and XXXX XXXX via telephone and written letters. I never gotten an explanation or a response for that matter pertaining to this situation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.