23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Upon looking through my credit report and noticing an unknown debt collection. I reached out to the company via certifed mail with a letter asking to verify the debt. I sent the letter USPS Certified Mail ( Tracking Number XXXX ) on XX/XX/2021 and Credit Collection Services located at XXXX XXXX XXXX, XXXX, MA XXXX received it on XX/XX/2021 at XXXX am. Upon giving the company 30 days, which the FCRA gives the company 30 days to respond. I reached out via phone call on XX/XX/2021 at XXXX pm, and spoke with the rudest customer service rep ever and just told me they will respond whenever they want. After hanging up and getting stressed out and depressed, I waited for a response. After about four months I never received anything.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I have opted out of any and ALL authorization, I, the consumer, may have given you, written, unwritten, verbal and non-verbal, per 15 USC 6802. This Consumer reporting agency has yet and still violated, repeatedly by reporting and sharing my personal information anyway.
Product: Debt collection

American Express XXXX XXXX Called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Calling for an extended family member asking me to pass along a message. I have nothing to do with their finances. Contacting family members is a breach of privacy. They have also been calling my husband, mother-in-law and father-in-law asking them to pass along messages. The extended family member is working with XXXX XXXX XXXX. American Express should not be calling us just because we have the same last name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Date Opened XX/XX/2021 Balance : {$410.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I have been struggling with my mortgage payments, and applied for loan modification, back in XX/XX/XXXX.I was sent a package to resubmit back to mortgage holder, providing current information on income, expenses and desired options. The mortgage holder keeps on requesting the same income information that was previously provided and insist on delaying procedure to underwriter. HUD Counselor has take the approach that there is no standard or guideline to delays and stall tactics being used in the decision process rather a wait and see.I think from XX/XX/XXXX to XX/XX/XXXX is more than enough time to give a reasonable respond for an application.
Product: Credit reporting or other personal consumer reports

THE COLLECTIONS ARE BEING REPORTED IN MY CREDIT HISTORY WHERE IN MY OPINION THERE IS NO REASON FOR THIS DUE TO THE FACT THAT I HAVE NOT BEEN THE RECIPIENT OF ANY PRIOR NOTICE FROM THIS COMPANY OR FROM ANY OF MY CREDITORS WITH WHOM I HAVE A RELATIONSHIP, BEING ABLE TO MENTION THE FACT THAT I HAVE HAD NO RELATIONSHIP WITH THIS COMPANY.
Product: Credit reporting or other personal consumer reports

Information that doesn't belong to me appeared on my credit report
Product: Debt collection

I have received multiple calls from IC systems day after day. It interrupts my day and has become very frustrating. The number that I call back to resolve this debt says the number is not in service. Which is also very frustrating in order to try and resolve this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the several previous written requests, the DISCOVER FIN SVCS LLC account still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Owed : {$5300.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A hard  inquiry by XXXX dated XX/XX/22 appears on consumer  reports. No disclosures were given for this hard  inquiry.
Product: Debt collection

On XX/XX/2021 i received correspondence from Avante USA attempting to collect a debt that does not belong to me
Product: Student loan

My information was disclosed to someone who has no authority to be access to federal documents. I also work in a place and my loan should be forgiven
Product: Credit reporting, credit repair services, or other personal consumer reports

The company says that they can do whatever they want and that they dont have to follow the law or do they have to listen to the FCRA and that they dont mind paying XXXX dollars. They told me they are above the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the XXXX you caused me.

My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( copy & paste each one from your credit report that is negative right here ), 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 an account without my written instructions.
Product: Debt collection

Roach and Murtha PC were sent registered mail disputing a debt and a request to cease all communication until the debt is verified in writing. 2 days after their receipt of the letter their office made multiple attempts to contact me from XXXX without having verified the debt.
Product: Credit reporting or other personal consumer reports

I kindly request an immediate investigation into this matter and the requested removal of the disputed item from my credit report. I want reported account to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase pulled my credit twice for one credit app. They know they made the mistake and said they would submit to remove but havent. Its causing harm to my credit.
Product: Credit reporting or other personal consumer reports

The following information in this report does not belong to me. My information has been compromised, or Im a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 15 1681. You are required to remove all information in XXXX days.
Product: Credit reporting or other personal consumer reports

After filing a report with the CFPB on XX/XX/XXXX. XXXX XXXX placed negative information on my credit dropping my XXXX XXXX XXXX points on Transunion. And caused a decline on my XXXX credit report as well. I have not applied for any new credit accounts in over 6 months. I am only forced to report that the recent drop on my credit score is out of retailation for filing a report against the company to the CFPB. After applying back in XXXX of XXXX, and receiving that loan without incident. XXXX XXXX XXXX XXXX maintained that account in active status and fully utilized the benefits of my signature on the Promissary Note with the Federal Reserve. And fully utilizing each new application after XX/XX/XXXX. I was denied credit approximately XXXX times for credit. Credit that would not exist without my electronic signature. Credit that according to 15 USC 1691, I can not be denied or discriminated against for any reason. But I have, and retailiated against for reporting to your agency.
Product: Checking or savings account

Respected Officials, I made a stop payment on 2 cheques received by postal mail from XXXX. Those cheques were sent by me from my account in wellsfargo. 

Date when cheques returned XXXX XXXX. 

Date when stop payment was made XXXX XXXX. 

Date when payments was rescheduled XX/XX/21 XXXX XXXX XXXX {$80.00} XX/XX/21 XXXX EditDelete XX/XX/21 XXXX XXXX XXXX {$50.00} XX/XX/21 XXXX EditDelete Normally wellsfargo provides credit to stop payment requests within one day. 

However, in this instance, on the basis that they have been crediting the account within a day, I had rescheduled bill payment to XXXX to return those cheques. 

However, wellsfargo chose to send bill payments but didnt credit the stop payment request I made. This resulted in overdraw on my account.
Product: Mortgage

I applied and received a financial mortgage assistance award from the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX on or about XX/XX/2023, in the amount of {$2300.00} to be disbursed to my mortgage servicer, LoanCare on or about XX/XX/2023. My monthly mortgage payments are {$1400.00}. The awarded grant funding covered the months of XXXX and XXXX. However, my mortgage servicer contacted me on XX/XX/2023 for a missing payment for the month of XXXX. The XXXX XXXX program disbursed the funds to LoanCare to cover the months of XXXX and partial funding for XXXX in the amount of {$890.00}. 

I contacted Loancare on XX/XX/2023 to make certain that the funds were disbursed to my loan appropriately. After speaking with LoanCares representative, XXXX, she indicated that part of the awarded grant assistance went towards corporate fees. I informed her that the awarded grant funds from the XXXX XXXX program was supposed to satisfy my monthly mortgage payments for the months of XXXX and XXXX. LoanCares representative placed me on hold to confirm with her supervisor about the funds being applied to corporate fees. After the representative returned to the call, she informed me that LoanCare could apply the extra funds to the month of XXXX, and that the corporate fees would have to be satisfied at the end of the loan term, which I was previously aware of. On XX/XX/2023 LoanCares representative took an over-the-phone payment from me in the amount of {$580.00} to complete the payment for XXXX. At that time, I was informed by LoanCares representative that I was due for XXXX payment. I indicated that I was experiencing financial hardship and requested a deferment, forbearance, or a modification, with lower monthly payments as a result. LoanCares representative informed me that I was not eligible for a forbearance, because I had already exhausted a forbearance a couple years ago. My question is, Is there a limit to receiving a forbearance during a hardship? I was informed to submit in an application, along with my monthly income statements and liabilities. I was also informed that my mortgage account would not incur any fees during the application review and processing. 

My complaint involves a letter from my mortgage servicer, dated XX/XX/2023 that indicates that I missed XXXX and XXXX payments, which is inaccurate. The letter states that I am in serious jeopardy of losing my home, and need to pay LoanCare {$5300.00} immediately by XX/XX/2023. This is totally inaccurate and not true. LoanCares unfair, deceptive and abusive practices ( UDAAP ) has contributed significantly to my financial injuries. I am in default of XXXX 's payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I checked my report and notice some inquiries I didn't authorize.. 
1.   XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3.  XXXXXXXX XXXX  XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5XXXX fXXXX XXXX XXXX XX/XX/XXXX 6. XXXX  XXXXXX/XX/XXXX 7. XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

XXXX XXXX related to today 's matter CFPB # XXXX We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Good day I am submitting this CFPB Complaint today for the XXXX time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. That didn't not get fixed prior Investigation. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the Experian, XXXX and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft the Inquries are bellow : XXXX XXXXXXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. Since I seen these Unverified inquiries I have filed A Identity theft report with the FTC. Which is also attached to today 's complaint .. You are required under the FCRA XXXX have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 5 ) ( A ) of the FCRA you are required to DELETE all information which can not be verified. You have not produced My written consent to furnish these Unverified inquiries. or that they are even mine Thank you. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX     2017, I sent  a request to each Experian,   XXXX   and  XXXX   XXXX  regarding removal of the extended fraud alert on my credit profile. With this request was a copy of my government issued identification for identity verification.     The CRA responses to my request to REMOVE the fraud alerts on my account are as follows : Experian : Responded by ADDING an initial fraud alert  XXXX   XXXX  : Responded by ADDING an initial fraud alert   XXXX   : Has failed to make any response to the request.
Product: Credit reporting or other personal consumer reports

Before volunteering to pay off credit card, I called XXXX XXXXXXXX XXXX and they agreed that once they received payment that they would delete the account from my credit profile, because it was reporting negatively. I paid them as promised and they never deleted the account. I have disputed the account several times and they still have never deleted the account as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX  XXXX XXXX acct # 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, credit repair services, or other personal consumer reports

I am distressed that you have included NTL RECOVERY AGENCY information in my credit profile on XX/XX/XXXX & XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 



Thank you,
Product: Mortgage

On XX/XX/20 I sold my property. The mortgage, held by Dovenmuehle, was paid in full. 

The balance of the escrow account at the time was {$3000.00}. On XXXX an additional automatic payment was deducted from my bank account in the amount of {$1900.00}. The total due to me is {$5000.00}. 

To date I have not received any refunds. Dovenmuehle website shows two payments were made to me on XX/XX/XXXX and XX/XX/XXXX in the amounts of {$1100.00} and {$1900.00}, but those checks were never received. I have a mail forward to my current address, so any checks mailed to the property address would be forwarded to me. 

The escrow account currently shows a balance of {$1900.00}. I have called three times since XXXX and have been promised that someone will fix this and send me my money, but no-one has. 

As it has now been over 4 months since the account was closed, I would appreciate your prompt attention to this matter and to the issuance of the refund, which currently stands at {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert from XXXX stating that a lender reported a balance of XXXX and that I was 90 or more days late. This account has been charged off since XX/XX/XXXX without any billing statements sent since XX/XX/XXXX the charge off amount was around XXXX. XXXX XXXX continues to charge interest on a charged off account without sending or generating bills which is a direct violation of the truth and lending act. XXXX XXXX liaison XXXX XXXX continues to ignore the law and has also marked all my complaints as duplicates when they are not. Each month capital one sends a new amount to the credit agency on a charged off account hence there's new complaints to be sent in. I have filed a writ and summons against the company to appear before a judge in CT superior court and also have filed complaints with the ct department of banking.