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

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX  XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX XXXX - XXXX Last XXXX digit of SSN : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to correct via dispute but bank does not respond correctly. They continue to report incorrect balance even though they were paid {$400.00} By another bank who confirmed they accepted payment when I refinanced months ago and even as they confirmed. They never reported the correct amount of {$400.00} to the credit bureaus and still had it posting wrong up until today when they charged it off using that incorrect amount. This effected a number of our financial transactions and lenders. Sadly they wrote it off well over a year ago as well and it went to attorney. Attempts to pay XXXX  cents were rejected and went no where with the bank or the attorney. Furthermorevtwo letters defining this situation to your office ( CFPB ) have gone unaswered with no response. If this can not be resolved ASAP I WILL BE FORCED TO seek legal ACTION AGAINST ALL THE PARTIES INVOLVED. RESPECTFULLY. Ps ss last 4. ( XXXX ). Posted here because after two years you still have NOTvrepaird the software issue in that it does NOT. Accept the numeric numbers. I wonder if your even capable or just do not give a XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that do not belong to me reporting on my Experian report. I have tried to address the issue with Experian. They have not provided verification of the accounts to me. I also requested verification of the account from the creditor XXXX XXXX and they sent me a letter stating that I was not responsible for the debt. They also sent the letter to Experian. I have since sent the letter to Experian 3 times. They refuse to remove the account. The only response I get from Experian to my letters is that they do not have enough information to verify my identity to complete my request. This makes no sense since each time I have sent a copy of my ID, my Social, and a Utility bill verifying my identity, and address. Experian is deliberately reporting incorrect information. This letter is dated XX/XX/2019. That is 60 days that Experian has had to correct their mistake, and yet they have not corrected it.
Product: Credit card or prepaid card

On XX/XX/XXXX at about XXXX XXXX I talked to a woman at XXXX   about my past due account, she updated my account with my hardship information and offered me an 85 % settlement or a payment arrangement towards the full balance ... these options came after I specifically told her I cant make monthly payments and she did not provide options that would be feasible based on my circumstance. She tried to manipulate me to agree to do an arrangement that I couldnt make good on and threatened that the account was going to be placed at a law from on XX/XX/XXXX. We ended the phone call because she refused to offer me an arrangement that would fit my financial hardship.

I talked to a man at XXXX  on XX/XX/XXXX, he said that my account had not been placed at the law firm yet, and he proceeded to offer me a 75 % settlement. I told him I couldnt do that but I offered a lesser amount. He said no he couldnt accept my offer but he had a manager approve a 60 % settlement on the account. I asked to speak to the manager and he put me on hold for over 6 minutes and then hung up on me. I called XXXX  back the same day ( XX/XX/XXXX ) and next got a woman on the phone who apologized for the previous agent hanging up on me. I explained the offers and she told me she can not accept a 60 % settlement and would only accept a 75 % settlement and that is the lowest they would ever go.

XX/XX/XXXX I called XXXX  again to try and get a reasonable solution, I talked to a woman on the phone and explained my first three phone calls and my frustration. She proceeded to offer me a payment arrangement which I told her many times I couldnt afford. She then told me that my account was placed at the law firm on XX/XX/XXXX. I told her this wasnt the case and Ive been told differing stories from each agent I spoke with at XXXX. I asked to speak with a manager and she said she couldnt transfer me but she would put my escalated phone call in the queue and would have a manager call me back. We ended the call.

I missed a phone call from XXXX later the same night. I called them back and it was another agent saying it was a manager trying to call me back but she cant transfer me to them. This agent then said that there are no settlement options at all and that the account was sent to the law firm today XX/XX/XXXX. She proceeded to ask me about my hardship and said that my hardship hadnt been previously document on the account at any point. I told her she was the 5th agent Im talking to and Im not willing to explain my hardship yet again when they dont even notate the conversation on my account.
Product: Mortgage

My mortgage was absorbed by Mr. Cooper from Nationstar mortgage around XX/XX/XXXX. On XX/XX/XXXX, my mortgage was increased by {$190.00} to fund an escrow account that I did not authorize. While investigating this, I found out that Mr. Cooper had paid my property taxes in XX/XX/XXXX without my approval or consent, and without any escrow account to fund the payment. 5 months later, Mr. Cooper established an escrow account and deducted the cost of my property taxes, leaving me with a negative escrow value. I was not aware of this until XX/XX/XXXX after Mr. Cooper again attempted to pay my property taxes, this time from a negatively funded and unauthorized escrow account. Please note : I had already paid my property taxes as I was unaware Mr. Cooper was attempting this. While trying to resolve the issue, I was informed that I would need to provide proof that Mr. Cooper 's property tax payment was an overage and until that I would be liable for the amount in the escrow account. This is appalling.

UPDATE - on XX/XX/XXXX, I received a letter from Mr Cooper acknowledging " Our records indicate that the escrow account, for payment of the property taxes, was established in error. '' They will allow me to close the escrow account and will not charge me for the 2nd tax bill. I  am continuing with this complaint believe I believe what I experienced is blatant abuse if not consumer fraud, and because the company did nothing to proactively resolve or prevent the issue for the entirety of the 8 months that it existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a change in employment and a move, I had to short sell my house. XXXX XXXX XXXX was my mortgage servicer. My account was closed on XX/XX/XXXX. 

In XX/XX/XXXX I received a credit report alert on a past due account. The alert showed that I was past due on my mortgage payment by more than 30 days. This situation caused my credit score to drop by more than 100 points. My credit score is usually in the high 850s. 

I contacted XXXX XXXX XXXX and was told that because my account was closed, they couldn't fix any errors on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX  XXXX XXXX, DeptedXXXX XXXXXXXX, DeptedXXXX XXXXXXXX, US Dep ED XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I would like to participate in the Navient lawsuit. I retired last year and just paid off my loan this month. I know I was misled.
Product: Credit reporting or other personal consumer reports

i contacted theses credit reporting agencies multiple times to inform them of the multiple inaccuracies and illegal reporting and furnishings of the information i was presenting but have not received satisfactory response or legal documentation i requested. instead they continue to deny my right to dispute inaccurate misleading and illegal information that has already caused actual damages by sending a response of verified or we do not believe this is you when asking for the description of the procedures used to verify the response is noncompliant and unsatisfactory to the fcra the cfpb the ftc and even their own cdia compliance standards
Product: Debt collection

From XXXX to XX/XX/XXXX, I was a customer of the XXXX XXXX XXXX, and every six months I had paid my insurance in advance. 
The acquired policy has a policy number XXXX. 

This policy had coverage for six months, with a period from XX/XX/XXXX to XX/XX/XXXX. I paid it in advance the amount of {$1800.00} and on XX/XX/XXXX of XXXX I received a note that I had a balance of the expired policy where XXXX said it had a balance to pay in the amount of {$1000.00}. 

I have investigated the charge and XXXX is claiming that my son XXXX XXXX must pay the policy as the initial driver for this amount. 

My son is XXXX XXXX XXXX. In XX/XX/XXXX he obtained a learner 's permit. 

It is my understanding that up to one year of having this permit, a Florida driver can apply for an intermediate license. 

That will be until XX/XX/XXXX, and I will add my son to the insurance policies. 

Therefore, the charge that XXXX is making has not basis and I ask that this debt be eliminated. I can assure that XXXX XXXX will not drive any of my cars. 

In the initial dispute was only take in consideration the Collection Company and never asked me about what I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a CFPB complaint about XXXX XXXX XXXX To validate A allege debt that they say I own I sent them a debt validation Letter And they sent me back a couple of bills demanding I pay them and I dont recall any services with this company and theyre reporting the debt all my consumer report And the company admit it in their response That they acquired my medical information from XXXX  OF COLORADO, XXXX on XX/XX/XXXX and Then assign it to DEBT RECOVERY SOLUTIONS LLC All without my permission and I also sent them a cease and desist letter as well as my invoice and they fail to comply to all of my demands not only is this a HIPAA Violation Its also a violation of my CONSUMER RIGHTS and the company stated in their response That they were complying with all federal and state laws which they were not
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  account XXXX, US BKPT CT PA XXXX reference # XXXX, XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, XXXX, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Mortgage

My mortgage is in the process of being transferred from XXXX XXXX to Mr Cooper ( aka Nationstar Mortgage LLC ) effective today (XX/XX/XXXX ). This morning I received an unencrypted ( non-secure ) " welcome '' e-mail from Mr Cooper ( mailto : XXXXXXXXXXXX ). Unfortunately, too much information was included in the body of the e-mail, including name, property address, complete XXXX account number, complete Mr Cooper account number, current loan terms ( interest rate, payment due date, payment amount ), etc., which created a huge security and privacy breach. The customer service supervisor that I spoke to insisted that this was completely within approved protocol -- furthermore, it is Mr Cooper 's  normal business practice to send out this e-mail to all new customers. Apparently, Mr Cooper will compromise personal financial information for nearly 800,000 former XXXX customers during this transition -- in other words, they are creating a miniature XXXX-like data brach. This is TOTALLY UNACCEPTABLE in this age of multiple breaches of PII!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from Experian, XXXX and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Experian, XXXX and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Experian, XXXX and XXXX never responded! 

Further More Experian, XXXX and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that Experian, XXXX and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective November 30, 2021. Cease reporting this debt immediately or face legal action. Experian, XXXX and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX no of XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX }
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX XXXX I reached out to companies that reported negative marks on my credit report for verification and true accuracy through various letters. These companies have issued responses that include everything but accurate verification, such as billing statements. I have since reached out once again and to each credit bureau : Experian, XXXX, and XXXX, through certified mail enlisting my concerns for derogatory accounts that report on my credit. The bureaus have deleted some accounts, but overall neglected majority of my investigations by stating the " accuracy '' of these accounts with no proof from the companies or allowing these accounts to repost. 

( XXXX ) XXXX XXXX for {$4100.00}, reported as charge off by original creditor, sold to another company from original creditor, disputed by myself after being contacted by 3rd party creditor, now reported as charge off by original creditor again. 

( XXXX ) XXXX XXXX {$880.00}, deleted by XXXX. Reported by Experian and XXXX under different account numbers and different company. Experian responded that the bureau does not acknowledge accuracy from a fellow bureau as a reason for not deleting this account. 

( XXXX ) Different accounts all from XXXX XXXX XXXX were disputed by me and then sold to Midstate company after asking or verification. All accounts have same account numbers, but range in amounts owed. I created an investigation with each of the bureaus, XXXX deleted all accounts. Experian and XXXX deleted some of the accounts and refuse to provide information or proof of accuracy for why the remaining accounts continue to report. 

XXXXXXXX XXXX as accurate for the last 3 months from XXXX and XXXX, but Experian reports as delinquent for 60 days still. I have reached out to both XXXX and Experian ( XXXX ). XXXX states that they have no control for removing " late payments '' and Experian has not responded.
Product: Credit reporting or other personal consumer reports

I appreciate the time taken to rectify some of the fraudulent items within my file attributed to an alleged identity theft. However, there remains an outstanding inquiry that necessitates removal. This serves as my third communication regarding the identity theft incident, specifically disputing the inquiry still present in my file resulting from the aforementioned crime. The disputed inquiry is not associated with any transactions for goods, services, or monetary exchanges authorized by myself. Kindly expunge the reporting of the inquiry from my Equifax credit file, which stems from the alleged identity theft incident : XXXX dated XX/XX/2023. This inquiry remains unrecognized by me. Furthermore, the information pertaining to this inquiry has already been expunged by other bureaus, casting doubt upon its accuracy. The reported history date of this inquiry also remains undisclosed to me. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I request its removal.
Product: Debt collection

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in my Experian file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$320.00} on XXXX. 

I challenge the accuracy, compliance and reportability of this listing. 

There has been no validation of any information that I owe any type of debt to XXXX XXXX XXXX. They have not provided me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that I have also mailed them and that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. If the company Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX