23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PENNYMAC LOAN SERVICES LLC COMMITTED GRAND THEFT AND FORGERY AGAINST MY NAME AND PROPERTY! I AM XXXX AND WHEN I HAD TO LEAVE MY HOUSE FOR AN OPERATION THEY BROKE IN AND STOLE IT. UPON RECEIVING SOME OF THE DOCUMENTS I GOT TO LOOKING AND THEY WERE BRAVE ENOUGH TO FORGE MY SIGNATURE MULTIPLE TIMES. ONE OF THEIR EMPLOYEES CLAIMED THAT THEY MAILED ME SOMETHING AND I DIDN'T RESPOND IN 5 DAYS SO THEY ASSUMED I HAD ABANDONED THE PROPERTY EVEN THOUGH ALL OF MY BELONGINGS WERE INSIDE. THE EMPLOYEE STATED THAT SOMEONE DID IN FACT BREAK INTO MY HOUSE AND CHANGE THE LOCKS. THEY THEN SOMEHOW STOLE MY DEED TO THE PROPERTY AND SOLD MY HOUSE TO THE HIGHEST BIDDER WITH OUT EVEN NOTIFYING ME. THE EMPLOYEE ASKED IF I HAD NOTIFIED PENNY MAC THAT I WASN'T GOING TO BE LIVING AT THAT PROPERTY FOR A COUPLE MONTHS AND THE ANSWER WAS YES. PENNY MAC IN FACT WAS SENDING ME MAIL AT MY PARENTS RESIDENCE. I HAD HEALTH RELATED ISSUES AND WAS NOT ABLE TO TAKE CARE OF MYSELF PHYSICALLY SO I HAD TO MOVE BACK HOME FOR A SHORT AMOUNT OF TIME. They stole property from a XXXX  person. They also filed taxes using my social security number and forged signatures. The last time i called to ask questions the employee asked me this " well what logo is on the piece of paper? '' And as i'm describing it to her there were huge differences in logos. That only pertained to that one document and also the packaging that all of the documents came in was different. So that's how they are trying to avoid punishment by claiming they werent the ones who sent the documents... They sent out a huge packet of fake documents almost 60 days after i originally asked for them. Some of the documents say page 8 of 9 and the bottom will say 1 of 3 on the same document. They are cleary forged. The employee also told me the reason they can break into my property is because they have invested in it. The weird thing is my promisory note never mentioned their name at all. The employee claimed they sent me an offer in the mail and I didn't reply so that gave them the power to start a contract with them that involved me being in debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently reached out via certified mail to XXXX Equifax and XXXX about providing validation for an U.S Bankruptcy XXXX XXXX thats reporting on my credit reports. They have failed to provide proof of validation which is a violation of the FCRA and XXXX. I've also contacted United States Bankruptcy court via certified mail, They responded stating, they do not provide or perform any activities with the credit bureaus. Attached is the letter and certified return receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX 2. XXXX XXXX XXXX 3XXXX XXXX XXXX 4.US XXXXXXXX XXXX NJ XXXX All four of these accounts are on my experian credit report and do not belong to me this is a mixed file
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

To whom it concerns, Fay Servicing continues to send the paperwork to wrong law firm over and over again. They have now sent a XXXX to my previous firm who failed to forward the document. I demand, let me say that again, DEMAND all of the paperwork and supporting documentation for the XXXX. I want ALL of the accounting records and proof that it should be issued. Because you took my property with faulty paperwork and sold it. The debt was paid in full now. I ca n't believe how many times I have filed complaints against this company and they break the law and ask forgiveness. And they get away with it. So, I demand a copy of the XXXX and all accounting records for proof. Please send it to the correct address this time.
Product: Credit reporting or other personal consumer reports

This is about the XXXX time I've had to submit a complaint like this. I have been taking recovery steps for my misused information. To summarize i am a victim of identity theft. This is not the XXXX time in the last 5 years that I've had accounts on there that i never opened. A XXXXXXXX XXXX  credit card was opened on XX/XX/year> reporting a {$3200.00} balance. XXXX XXXX XXXX was opened on XX/XX/year> reporting a {$0.00} balance.
Product: Credit reporting

I 'm filing this complaint against Transunion because they have repeatedly refused to delete an account on my credit report that does n't belong to me, nor have they provided any supporting documentation in any regard that proves that said account has been supposedly " verified '' by the information furnisher and thus belongs to me. They are required by Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act to delete any account that can not be verified. Federal case law also states " Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on, and their responsibility must consist of something more than merely parroting information received from other sources. '' If they are claiming the account was verified, how was it verified? I asked, and they gave no explanation. I asked for an Original Signed Contract, they have provided none. Please help me in resolving this matter, I 'd greatly appreciate it!
Product: Credit reporting or other personal consumer reports

In the transition and consolidation of the US Department of Education 's Mohela servicer, my student loans were duplicated on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX 6 times to delete inaccurate reports on my credit report, so far they have not yet sent any information regarding this fraudulent claim they are reporting. I have sent them certified mail asking for debt verification with no response. I have also called them several times letting them know they are reporting inaccurate reports that I'm entitled to payment of XXXX per occurrence. " XXXX ''
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THIS ACCOUNTS AND INQUIRIES : 1. Pursuant to 15 USC 1681s-2 this account is in violation for not providing a notice of dispute XXXX XXXX Account Number : XXXX Please delete account from my report at once. 

2. Pursuant to 15 USC 1681i ( 7 ) this account failed to provide description of reinvestigation procedures for method of verification XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting

I disputed a tradeline on my account back in XXXX for supposed medical services. I 've never been a patient at this hospital. I never received any debt verification from either Equifax or the third party collector. I disputed it again with Equifax and again, I never received verification back. I sent the company a letter asking for the debt to be verified according to Texas State Law and that letter went unanswered. I filed another dispute with Equifax for the same tradeline with the same results, no verification. I called Equifax on XX/XX/XXXX and spoke with a young lady and I explained that the debt has never been verified and according to the FCRA, the debt must be removed until it can be verified according to my state laws and she refused to remove it from my report, even after I told her that the other XXXX reporters have removed the debt from my report and they were the only hold outs. If I call the company, that can start the statute of limitations over even though my state SOL expired last year and they ca n't legally sue me. Equifax is in willful non-compliance of the FCRA and according to the law, they are required to remove the tradeline from my report until the debt is fully verified according to Texas State Law of which, I sent clear instructions to the collector indicating what is required to validate the debt. I also filed a CFPB complaint against the collection agency and as of XX/XX/XXXX, they 've not responded or acknowledged the complaint.
Product: Credit card

I am trying to apply for a business credit card through Capital One, I currently have personal credit cards through them so I thought this would be a relatively straightforward process. I submitted an application which seemed to be approved, provided that I submit the following documents : -Articles of Organization for the LLC -Phone Bill with business name and physical address used on application -Bank Statement with business name and physical address used on application Because the Articles of Organization for my LLC was established under a virtual address, I could not use it for the application for a business credit card, so I used my physical address instead. Due to this, I was asked to also submit two documents showing the business name and physical address used on the application, of which I have a phone bill and bank statement. I submitted these documents with my LLC name listed and my physical address and was told they were not acceptable, and was also denied to provide any reason as to why they weren't accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to XXXX XXXX XXXX for allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report this is XXXX of fraudulent accounts reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Subject : Formal Dispute and Demand for Immediate Resolution of Fraudulent and Erroneous Credit Reporting To Whom It May Concern, I am formally disputing significant inaccuracies in my credit report and demanding immediate corrective action. My credit score has unjustly dropped nearly XXXX points due to a fraudulent XXXX XXXX account that has been reported and updated monthly. I previously submitted a notarized affidavit proving I am a victim of identity theft, yet Equifax continues to allow this fraudulent account to damage my credit profile. 

Additionally, I am disputing the balances reported for my XXXX XXXX and XXXX XXXX credit card accounts, both of which have a zero balance. These reporting errors are unacceptable, and I demand they be corrected immediately. 

Equifax 's continued failure to address these issues mirrors past cases where plaintiffs prevailed against the company : 1. Drew v. Equifax Information Services, LLC The plaintiff won over {$180000.00} after Equifax failed to correct errors despite repeated notifications.

2. Ramirez v. Equifax, LLC A {$60.00} million settlement was awarded due to failure to properly handle disputed information and identity theft claims.

3. Jenkins v. Equifax Information Services, LLC The plaintiff secured damages after proving Equifax negligently maintained inaccurate credit reports that led to severe financial harm.

These cases underscore the legal consequences of failing to fulfill obligations under the Fair Credit Reporting Act ( FCRA ). Your continued negligence in resolving these inaccuracies not only harms me financially but also exposes Equifax to further liability. 

The accounts in dispute are as follows : XXXX XXXX ( Account : XXXX, Opened : XX/XX/XXXX, Balance : {$7800.00} ) Attached, you will find : My notarized affidavit proving identity theft. 

Supporting documentation, including my FTC and CFPB complaint records, Social and ID. 


I urge Equifax to immediately : 1. Remove the fraudulent XXXX XXXX account. 


2. Correct the balances on my XXXX XXXX and XXXX XXXX credit card accounts. 


3. Update my credit report and reflect the corrected score. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX You are required to provide a written confirmation of your investigation and resolution. Failure to address this matter promptly will leave me no choice but to pursue legal remedies, including filing a complaint with relevant authorities or initiating a lawsuit for damages. 

I expect full resolution of these issues within the timeline mandated by the FCRA. 

Sincerely, XXXX XXXX
Product: Credit reporting

This bankruptcy has been paid and closed other credit reporting agencies is nolonger reporting it because they show a big different in my credit score only equal fax is still reporting it
Product: Credit card

I have a credit card with US Bank and noticed fraudulent charges on my credit card and immediately notified the bank. The fraudulent charges were made on XX/XX/23 XXXX XXXX XXXX XXXX XXXX {$95.00} XX/XX/23 XXXX XXXX {$74.00} XX/XX/23 XXXX XXXX {$250.00} XX/XX/2XXXX XXXX XXXXXXXX XXXX {$12.00} XX/XX/23 XXXX XXXX XXXX {$47.00} US Bank notified me and told me charges were valid because the chip card reader was utilized and that there was nothing more they can do and basically I was responsible for the charges. I asked if they can call the companies that the charges were made and was told they don't do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed XXXX to remove address they have on file. I submitted a written request. I submitted a verbal request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporter Act XXXX account XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 8 states I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to your recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding this particular account in question : DEPT OF ED/XXXX XXXXX Balance XXXX Opened XXXX. XXXX, 2017 - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.
Product: Debt collection

In or around XX/XX/XXXX I sent a formal dispute to Credit Collection Services ( CCS ) for an amount of {$200.00}, they have never verified or shown any proof of any contract I have or had with them or to pay them. They are trying to collect a debt and put a debt on one of my credit reports, thus violating the FDCPA and the FCRA. CCS continues to respond with bills to " settle '' the debt that is not owed to them and solicited me. Their practices are ridiculous. I sent another letter in XX/XX/XXXX further informing CCS they have failed to verify the account was not sold to them and or any contract with my signature binding me to pay them for the alleged debt. I have a receipt CCS signed for my letter on XXXX XXXX, XXXX. They can not provide any documentation proving I legally owe them this debt. CCS is in violation of Defamation and violations of FCRA and FDCPA. The attached documents are of CCS soliciting me with discounted rates and further validating that i do not owe them. My dispute letter is also attached.
Product: Debt collection

Account had been charged off for almost 3 years. Countless time had disputed this debt and I will continue disputing until XXXX  when it'll finally drop off my account, this given the fact the status of limitation had passed they won't be able to collect anymore on these alleged debt. 

As I previously mention before, this debt is the result of identity theft and a customer representative actually validated this info, there were calls made where the mention of identity theft happened back in XXXX   on one of the calls I made.

I had asked them for original credit agreement bearing my signature, all statements from beginning to end of the account right before they charged it off, and all payment methods along with payments history for account. Was never received by me. 

Also, they reporting a balance when the account is charged off. It is illegal to report a balance when the account is charged off ( aka written off ) they already received a credit for this debt by reporting it in their Financial Statements as loss. For which I'm asking for a 1099C.

Attached my Original Police and FTC reports.
Product: Debt collection

I'm being charged {$15.00} for a debt that was coded wrong. I had called the company and told them they coded it wrong, per the insurance company. This was preventive care. now I'm getting a statement from CMRE Financial Services. I called them and told them this was not my debt. It was coded wrong. They were very unprofessional, disgusting tone of voice, and very disrespectful. I'm totally disputing this claim and I told them so. They hung up on me. Please handle this promptly! XXXX XXXX
Product: Student loan

My employer has been sending payments to my servicer since XXXX of this year. All of the checks have been cashed, however they are not appearing in my account. I've called multiple times to try to rectify this.,
Product: Consumer Loan

Was requested for 2 month deferment on loan for XX/XX/XXXX & XX/XX/XXXX loan payment. I advised that had scheduled date to return to work on XXXX 2016. Due to nature of restrictions to return to work, I was unable to work to this date. I received a call XX/XX/XXXX from a gentleman advising that extension was approved, and that an extension letter was sent out. I requested for a the letter to emailed or faxed to see the terms & conditions immediately & he stated not to worry about it was mailed out.. In addition, I requested for months to add XXXX insurance & change my payment due dates because my current situation which is only temporary .. My car has been repossessed as of XX/XX/XXXX, they revoked the 2month extension, now requesting {$2700.00}, which includes 4 months of a payment 0f {$490.00}, {$240.00} late fees & {$530.00} repossession fees, re-registration of my car & $ 35 day in storAge.. An car is mandatory where I reside, especially to get to doctors appointments & place of employment .. I need my extension to be restored, along with Late fees & this repossession fee as long I agree to cover the payments for XX/XX/XXXX & XX/XX/XXXX .. In addition to changing my payment dates to the XXXX of the month.. I can find a way to stay on top of my payments & do what I need to do to ensure I will no longer default on the Loan..