23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to report a case of fraud and identity theft involving Midland Credit Management XXXX Midland Credit XXXX. This fraud pertains to my personal information being exposed in a Non-Military Affidavit filed with the court, which contains confidential details such as the last XXXX digits of my Social Security Number ( XXXX ), and potentially my bank and credit card information. 

Under Florida Rule of Judicial Administration XXXX ( d ) ( XXXX ), it is required that the filer of a court record disclose if confidential information is included and specify the confidentiality provision that applies. In this case, my Social Security Number is included in the filing on XXXX XXXX of the document, with the last XXXX digits exposed. This falls under the confidentiality provision of XXXX ( XXXX ) ( i ) - ( i ), ( XXXX ) ( a ) - ( XXXX ), Fl. XXXX, which protects personal identifying information unless a request for redaction is filed. 

However, Midland Credit, the party responsible for filing the document, did not take appropriate measures to protect my confidential information, exposing it in the court records. This oversight has resulted in my personal data being compromised and potentially used for fraudulent purposes. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter as it relates to potential identity theft, fraud, and violations of consumer protection laws by Midland Credit. It is critical that corrective actions be taken to prevent further harm and ensure that the responsible party is held accountable for mishandling my confidential information. 

Please advise on the next steps I should take in this process, as well as any assistance the CFPB can provide in resolving this matter. Thank you for your attention to this serious issue, and I look forward to your prompt response.
Product: Checking or savings account

XX/XX/2023 The Claim Amount : {$530.00} This is what I received from Chime in regards to my dispute. 

" After reviewing your account and the information you shared, we couldnt verify unauthorized transactions. This means you are responsible for the {$530.00} you disputed. We review the details of every disputed transaction, your account history, and account usage, and make a decision based on our investigation. ''
Product: Credit reporting or other personal consumer reports

I currently have a fruad alert on my credit report. Please remove.
Product: Credit reporting or other personal consumer reports

I was a victim of identity yet this company has repeatedly failed to violate 15 U.S.C. 1681 et seq and continue to defame my credit report. They refuse to accept that this account was the result of the identity theft. This has prevented me from purchasing a home, this account was fraud yet the company keeps making excuses and deletes and re adds to my credit report. This has been reported as fraud for over two years yet they still refuse to delete this. Please have them stop violating my rights under 15 U.S.C. 1681 et seq. This is a federal offense and will be handled in federal civil court for the hundreds of thousands in loan opportunities I missed resulting from this. They will not remove from my credit even after multiple supervisors stated it was cancelled and deleted as identity theft. They have refused to manually remove this as identity theft from all credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several times in regards to the inaccurate information that they are reporting in my public records pertaining to a XXXX bankruptcy that was dismissed and closed in XXXX and company called LCI CONSUMER CENTER is in fact reporting this inaccurate information I have talked with the supervisor @ TransUnion and she made me aware on XX/XX/XXXX she was able to send the documents that this bankruptcy was in fact dismissed and closed she file another dispute in regards to the inaccurate information and TransUnion sends verification again that this was verified. I will be attaching information from the XXXX XXXX XXXX, XXXX XXXX AND THE COURT AND THE COURT CERTIFIED TRANSCRIPT OF THE ACCURATE INFORMATION. THIS SAME INFORMATION WAS SENT TO LCI XXXX XXXX AND TRANSUNION. TRANSUNION WAS TOLD BY XXXX XXXX TO REMOVE THIS INACCURATE INFORMATION AND TRANSUNION HAS REFUSED.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am disputing the following information on my credit reports from XXXX, XXXX, and XXXX. 

Account Number or other information to identify account : Aaccount number is XXXX, which is a Collection Account. The account had been paid in full with the original utility company XXXX XXXX XXXX XXXX XXXX and is closed in XXXX. 

Source of dispute information : TRANSWORLD SYSTEMS LLC. 

Type of disputed information : The information on my credit file is inaccurate. I need assistance with removing it. 

Dates associated with item being disputed : The date on all of my credit files is showing XX/XX/XXXX. However, I paid my account with XXXX XXXX XXXX XXXX XXXX in full last year, in XXXX. 

Explanation of item being disputed : My credit report shows an account with TRANSWORLD SYSTEMS LLC, but I don't owe them anything. My initial account was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I paid in full in XXXX. I don't know why TRANSWORLD SYSTEMS LLC is on my credit report, as I've never paid any bills late. I always set up autopay to ensure that payments are made on time. 

I have no records of owing TRANSWORLD SYSTEMS LLC anything. I have no prior interactions with this company and yet I have a collection account with a {$0.00} balance. 
The report shows that I owed money to the company. However, I already repaid the original utility company in full last year. I am attaching proof of payment. 
I would like to bring to your attention that the current status of my account is not correct. According to the report, it shows that I am delinquent, but I want to clarify that I have made all my payments on time. I have never had any balance with TRANSWORLD SYSTEMS LLC. 

The reporting is completely false and inaccurate. Therefore, I kindly request you to update and remove this information from my credit file. 


Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

There are many charges on this account that were not made by me. I contacted XXXX XXXX XXXX XXXX XXXX several times on and around XX/XX/XXXX. I told them there were many charges on this account that were not mine and there needed to be an investigation done. They would not take steps to look into the problem. I told them I was not going to make any more payments till it was investigated. They got fed up and tired of arguing about the debt and then sold the debt to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. Same problem with this XXXX XXXX XXXX XXXX, I contacted them, explained the situation to them and nothing was done, or looked into, or investigated. I told them that many of the charges were not mine and I need all the information about the account to prove my case. They then just told me to pay the bill. I believe they do not have the Information, or are holding it back because they do not want me to be able to prove my case. They just want to get a Judgement on that Ridiculous Number they have listed on the Summons. All they care about is making a huge profit off a debt they pay pennies on a dollar for. On XX/XX/XXXX XXXX XXXX XXXX sold the debt to another debt collector Unifund. They hired a XXXX XXXX of XXXX XXXX to sue me for the debt. I tried discussing it with them and they told me to set up a payment plan. I told them I am not responsible for the hole debt and am not paying till the fraud issues are resolved. They filed a small claims law suit in court and will not get back to me, or discuss any investigation, or settlement options for my part in the debt. Another thing is they sued and on the Law Suit and there are Two people at my mailing address with the same name, only the middle initial is different. I do not think they know who and which one they are looking for., and have all the proper documentation to prove it. or have investigated it, and found fraud charges but do not want to admit it. Thank you
Product: Credit reporting or other personal consumer reports

I have some late payment reports in the XXXX XXXX XXXX XXXX account XXXX, please I need you to update my payments on time or else delete those unfairly late payments from my history, thank you very much
Product: Debt collection

I sent a letter out to credit collection service requesting validation for this account. They received it on XX/XX/2020 by certified mail. I have not received no correspondence or validation.
Product: Credit reporting or other personal consumer reports

I recently pulled my consumer report from Experian, XXXX, XXXX. When I noticed some unauthorized inquiries on my credit report. these inquiries and charge off accounts are causing a lot of stress in my life, which is resulting in a financial crisis. 

Some unauthorized inquires and accounts which are a result of identity theft. These accounts are also violating my rights as a consumer under the Fair Credit Act and Fair Debt Collection Act. I did not consent for the creditors or credit bureaus to report these accounts to my credit profile. This is Defamation of Character PLEASE DELETE AND REMOVE THE FOLLOWING ACCOUNTS LISTED : XXXX XXXX XXXX, 2023, XXXX XXXX, 2023
Product: Debt collection

Received a collection/bill notification from a third party for a debt that I dont owe.
Product: Debt collection

I am filing a complaint against CARTER-YOUNG because they are attempting to collect a debt that I do not owe them. Account Name : CARTER-YOUNG, Account Number : XXXX Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that your investigation was complete. 
1. What certified documents were reviewed to conclude your investigation? 
XXXX. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : Please answer the following questions : a. Who did you speak with? 
b. What was the date? 
c. How long was the conversation? 
d. What was their position? 
e. What number did you call? 
f. What is the name of your employee that spoke directly to the creditor? 
g. What is the position of your employee that spoke to the creditor?
Product: Credit reporting or other personal consumer reports

Discovering inaccurate accounts on my credit report has been deeply frustrating. These mistakes are dragging down my score and have likely impacted opportunities Ive worked hard for.
Product: Mortgage

Two years ago XXXX, we applied for the First Home Club savings program through M & T and were subsequently approved by the representative we worked with ( who is no longer an M & T employee ). Since then, we have successfully completed the program, making the monthly payments on time, and have completed the required counseling sessions. At this point, we have met with our loan officer several times, had all of our documentation in order, and successfully procured a mortgage loan. We were informed yesterday of a condition of the First Home Club program that would have disqualified us from being accepted into the program ( One of us was a XXXX within 6 months of enrolling ), yet M & T approved us anyway. We were never shown or had access to a document that listed this condition, yet the representative that we worked with, filled it out for us, marking that we met this condition, without confirming with us if that was accurate. He had us sign what turned out to be the XXXX page of that document, and never showed us or had us initial the XXXX page. As a result, now that we 're ready to move forward with our mortgage, we were told by M & T that it was very unlikely that FHC would approve us for the grant that would give us an additional {$8000.00} toward closing costs. We were told by M & T that there was little they could do, despite the mistake being theirs.
Product: Mortgage

In accordance with the FCRA, Shellpoint Mortgage Servicing ( XXXX XXXX XXXX, XXXX XXXX, XXXX SC XXXX ) has violated my rights : 1 ) Under 15 USC 1681 Section 602, consumer reporting agencies must exercise grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. 

2 ) Under 15 USC 1681 Section 604a, Section 2, consumer reporting agency can not furnish an account without my written instructions.

3 ) Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637b is mailed or delivered to the consumer not later than 21 days before the payment due date.

4 ) Under 15 USC 1681 - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing 5 ) Under 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - Under the CARES Act, if a furnisher/creditor makes an accommodation because you were affected by COVID-19 during the covered period, that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments.

Additionally, Shellpoint Mortgage Servicing has engaged in deceptive and predatory lending practices by 1 ) attempting to force me into a loan modification, a higher interest rate and a higher monthly payment as a means to avoid foreclosure 2 ) failing to disclose the option of the repayment plan as a means to avoid foreclosure and 3 ) intentionally delaying both the loan modification and repayment plan processes.

As such, Shellpoint Mortgage Servicing has continued to violate my rights, violate my privacy, incorrectly reporting late payments and disclose information without my consent.
Product: Debt collection

On or around XX/XX/XXXX, received a letter of collection from AmSher Collection Services XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX. Contact debt collector within 30 days dispute period and advise debt was incorrect. Company didn't respond. Had to hire an attorney to write dispute letter and assist with the debts collector wrong information. After attorney contact and dispute. Debt collector acknowledge of its error and the error on the information. On, XX/XX/XXXX debt collector send me a letter stating they will contact credit agency and fix error and wrong/negative information provided. 
On XX/XX/XXXX I reviewed my credit report and notice that AmSher had reported again the same wrong information to credit agencies which it had already been resolve and acknowledge by debt collector of being worng ... 
This has cause great damage to my credit, employment and daily operations of my business. I contact debtor on XX/XX/XXXX to dispute and request immediate resolution, which they have yet to respond, correct or fix. 

Debt collector has caused damaged by defamation and libel of my credit, by reporting, writing and reporting information in my credit knowing to be wrong and incorrect. 

I asked the CFPB to investigate this case, also provide further damage relief, guidance and/or provide information on how I can proceed with defamation lawsuit against debt collector.
Product: Mortgage

I am to the closing point of refinancing with a new lender and my current lender Planet Home Lending is falsely representing the status of the loan and preventing me from closing. I was in Temporary deferment when Covid-19 first hit for 5 months ending XX/XX/XXXX and the payments were to be tacked on the principal of the loan. I have the documents showing the deferment ended XX/XX/XXXX. Now that I am changing lenders for a lower interest rate they are forcing me to pay the deferred amount of {$11000.00} now inorder for my monthly statement to show I'm not still in deferment. I have been trying to work with Planet Home Lending since XX/XX/XXXX on this. I finally threatened that I might have to talk to an attorney just on XX/XX/XXXX, they had a threatening letter hand delivered to my door the next day the XXXX. A threatening letter saying I have to pay the {$11000.00} in full or alow them to place an additional lien for the entire mortgage amount or agree to have them place an additional lien on my home for {$200000.00} even though they hold the current note. I have my 12 month payment history showing I've made on Time payments along with my deferment agreement paperwork showing the deferment ended XX/XX/XXXX. I have worked in finance and this is worse than predatory lending this is using covid-19 to their advantage so they get to keep their high interest rate they're getting from me and a new lender can't approve when the old lender is falsely representing the status of my loan. Planet home Lending has received my request via email and phone calls regularly since XX/XX/XXXX and I've had no response until I threatened to speak to an attorney.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

We're trying to sell our house and find ourselves looking at a short sale because of a {$58000.00} " silent '' second mortgage that we didn't know exist. We had some foreclosure issues a couple years back, but pulled through. We thought that maybe the silent second was due to fees and interest and legal fees, but that's still an incredible amount of money and it was never explained to us. 

We had a banker look at the situation and he said that the silent second was the down payment on the house that we couldn't afford to pay. We bought the house under an FHA loan because of the low down payment. We were never told that this second mortgage was being initiated or that we owed that amount of money. No account number was ever provided to us, no explanation, and when we log into our mortgage portal to make payments the $ XXXX isn't there. We can't possibly make payments on it if we don't know that it exists. 

In the end, this silent second is deceptive and unfair, if not predatory. I feel as though we were duped into signing something, either at closing or at the execution of the loan modification post foreclosure, that we couldn't possibly understand on our own. This $ XXXX seems fraudulent. They refuse to provide an itemization of what is involved in that $ XXXX as well. Again, how are we to be expected to pay on something we A. ) didn't know existed, and B. ) don't have any information for? It's clear that Freedom Mortgage preyed upon us and deceived us just to sell us a home we probably couldn't afford. Now, we're stuck holding the bag as we're trying to get out. Unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been many damages done from these companies to my consumer report and in pursuant to 15 USC 1692k Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector. Some of these collection accounts are medical bills and in pursuant to 15 USC 1681 ( a ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization.

These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern.

Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information XXXXXXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( XXXX ) : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section XXXX ( a ) ( XXXX ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section XXXX : Right to dispute inaccuracies and request investigation. 
XXXX. Section XXXX ( a ) ( XXXX ) : Removal of unverifiable information dont validate for creditor Original. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax Credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX  days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Experian Hack That leaked people 's information can you tell me that I was part of that effect liable for compensation but my credit has been compromised.