23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I 've fought over this " debt '' for 3 years. The previous collectors filed suit. I disputed it through the local courts, and I heard nothing else. A year later I get a second notice of filing by a different office, starting the whole process all over again. They are wanting me to sign something I do not agree with and have not supplied any information about the debt, or a right to dispute notice.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX Incorrect Name - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX  XXXX Incorrect XXXX - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, GA, XXXX EMPLOYER - XXXX  EMPLOYER - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent outsourcing had my account, from XXXX, for a bill that was incorrect, I disputed them and asked for supporting evidence of this amount they claim I owe, they refused to send it. I disputed and they rejected the dispute XXXX aparantly fired them they do not have my account, they still report on my credit report that I owe them!!! 

I owe nothing
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without XXXX  contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/year> I received a notification that a new account was added to my credit report, later the same day I received notification that my credit score had decreased due to a collection added to my credit report. In my research, I was able to determine who the collection agency ( XXXX XXXX XXXX XXXX ) was and the company XXXX XXXX XXXX XXXX ) who sold my account to them. I originally reached out to XXXX XXXX XXXX to determine if they in fact had an unpaid invoice from that I could resolve and it was determine that the individual they were looking for had the same name and lived in the same city as me. They also informed me that the information they provided XXXX XXXX XXXX XXXX was in fact specific to the other individual. When I reached out to XXXX XXXX XXXX they were very evasive in attempting to assist in getting their error corrected. After several long hold times, disconnected calls and being dismissed, they sent me a fax stating that, and I quote. " XXXX XXXX XXXX has indicated to us that your account was credit reported in error. Accordingly, we will notify the credit bureaus with our next weekly update to have this deleted from your credit record. '' Unquote. After this receipt, I notified XXXX XXXX XXXX of the action XXXX took and how it appears that they were the ones who reported incorrect information to have my credit impacted. They assured me that this information they provided to XXXX was specific and accurate. 
My concern is that even if this is " deleted '' form my record, my credit has already been impacted and other creditors will looks at this as either a closed or charged off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not make my XX/XX/XXXX payment, as I was in XXXX school. When I called at the end of XX/XX/XXXX to pay in full the customer service representative told me to do this deferment and they would put the 1 payment at the end of my loan if I made 4 consecutive payments. They said I needed to make 4 monthly payments. It did NOT say calendar month payments. I made my XX/XX/XXXX payment XX/XX/XXXX. I made my XX/XX/XXXX payment XX/XX/XXXX to ensure the XX/XX/XXXX Payment was not late. Apparently that messed everything up. I have spent HOURS on the phone ( because you can not get a hold of anyone in charge of anything with this company ) to fix this error. It was fixed. I made the rest of the contractual payments. Once my XX/XX/XXXX payment was made, it said ( per their app ) that I was current and everything was fine for 3 days. Then all of a sudden their system messed it up. It now says I never paid XX/XX/XXXX. ALSO, they have reported that I was late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on my credit report which has had a serious effect on my credit score. I would not have done the deferment ( and would have been fine ) if the original customer service rep did not push me to do so. I will say XXXX XXXX has done his best to help me, but his hands are tied and the people above him are not fixing this. This is ridiculous that I have been dealing with this for 4 months! My hands are tied. Mortgages get transferred without the owners permission all the time. This is a horrible company and seeing how they have 87 % negative feedback, they should not be allowed to buy someones mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple letters to Equifax in regards to inaccurate erroneous reporting of collection on my credit report I still have not received any notification of proof of the alleged debt. These do not belong to me and i am requesting for all account to be deleted immediately from my credit report. This information has caused me to not move forward in my career and has caused liable damage to my well being.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding XXXX XXXX XXXX inaccurate reporting of information on my credit reports, specifically between XXXX and Experian. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and have caused harm to my credit profile.

Issues Identified : 1. Last Activity & Status Inconsistencies : XXXX reports the last activity date as XX/XX/year>. 
Experian, however, reports the last activity date as XX/XX/year>. 

This inconsistency causes confusion regarding the accuracy and completeness of the account 's reported information. 

2. Account Status Discrepancy : The account status for the XXXX XXXX account is reported as Open on XXXX. 
However, Experian reports the account status as Closed. 

This conflicting information raises questions about the account 's current state and the integrity of XXXX XXXX XXXX 's reporting practices. 

3. Late Payment & Payment Timeliness Reporting : The information regarding payments for this account is ambiguously reported. For example : XXXX shows " 92 % of payments made on time. '' Experian, however, reflects " 0 % of payments made on time, '' which is factually misleading. 

These claims do not reflect my actual payment history and lack explanation of discrepancies, leading to harm to my creditworthiness.

Violations of Consumer Protection Laws : These discrepancies violate the FCRA mandate that furnishers ensure the information they report is accurate and consistent ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). Furthermore, XXXX XXXX XXXX has not demonstrated compliance with their duty to investigate and correct disputed information as prescribed under 1681s-2 ( b ).

Resolution Requested : I respectfully request that the Consumer Financial Protection Bureau to order the removal of this account from my credit report. 

I am including copies of my credit reports and supporting documentation detailing the discrepancies described above. I kindly request the CFPBs assistance in resolving this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

I'm sure that adherence to the mandatory reporting standards is crucial for credit rating agencies, and I am confident you will make it happen. In order to substantiate any allegations made against me and to comply with the reporting requirements laid down in 15 U.S.C. 1681e and 12 CFR Part 1022 Regulation V, I request that you provide me with physical evidence. I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me getting it back up and going. I am not sure if this is some mistake as I asume it has to be I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my Paypal is XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX transferred and recorded a mortgage assignment using XXXX XXXX XXXX  Loan Number. 

In addition, XXXX XXXX XXXX XXXX did not utilize a Power of Attorney when conducting a real estate transaction. 

The XXXX XXXX XXXX XXXX indenture expired.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple dispute issues with Experian, XXXX and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to Experian, XXXX and XXXX ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : Experian $ XXXX/XXXX and XXXX {$0.00} Past due : Experian and XXXX $ XXXX/XXXX {$65000.00} Experian shows that I paid on time for XX/XX/XXXX an yet you show that I was late! How can that be? 
You are also still reporting late payments that make no sense! You state that I was late in XX/XX/XXXX, and XX/XX/XXXXand XX/XX/XXXXor XXXX while XXXX clearly shows that I paid on time. Delete this account at once! 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : Experian $ XXXX/XXXX and XXXX {$0.00} Any correspondence received to and from you will be made available to my attorney as well.
Product: Debt collection

The debt in question was incurred in XX/XX/XXXX by someone that I don't know because my social security number and ID Was stolen. This debt first came to my knowledge when it went into collections in XX/XX/XXXX in the amount of {$870.00}. I began disputing the debt at that time and successfully had it removed, with acknowledgement from the original debtor ( XXXX ) that it was a fraudulent account and would be removed from my credit. This was completed in or around XX/XX/XXXX. Since that time, the collection has been removed from my credit and was no longer present. 

However, just a few days ago, on XX/XX/XXXX, I see that the same collections agency ( Southwest Credit Systems ) has reported the debt as a collection and reported the opening date as XX/XX/XXXX for the same amount of {$870.00}. This is COMPLETELY fraudulent as I have not had any account with XXXX and the debt in question was fraud, as stated earlier, and was opened in XX/XX/XXXX. The fact that this company is reporting this debt after 7 years is in violation of the FCRA and in addition to that, they are fraudulently reporting the date the account was opened as XX/XX/XXXX. 

Please have this removed as it has caused my credit to drop 56 points due to a debt that is fraudulent, does not belong to me, and was resolved nearly 5 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been advice that someone under my same name has an address that I never use and emails : All this information is not mine : XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update/correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX  XXXX Balance Owed : {$5800.00} ; XXXX XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$35000.00} ; XXXX  XXXX XXXX Balance Owed : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, & Equifax, continues to report 2 dismissed XXXX XXXX bankruptcies and a XXXX XXXX Bankruptcy case on my credit report and refuses to remove them as bankruptcies are not reported by the bankruptcy court and they use a third-party data mining service to find public records to add them to credit files. Per law items on credit reports are required to be reported by the actual date furnisher and the Bankruptcy court does not verify any bankruptcy disputes as they do not repot and when disputed XXXX does not send a dispute letter to the court just their third-party data furnisher that shows there is a public record that exists. 
Case Numbers XXXX, XXXX, XXXX
Product: Checking or savings account

I opened an account and fund said account then I get notice that my amount is being closed, but only after I had called in to discuss an issue and after using XXXX to express my feelings I was told to speak English and that there's nothing they can do. And the next thing I know my account is being closed.
Product: Debt collection

I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.
Product: Mortgage

Hi, My last complaint # XXXX is the same reason for this one ... 
To summarize : As of XX/XX/XXXX I canceled my previous home owners insurance with XXXX and went with XXXX home owners insurance. How ever the Mortgage company " 5th 3rd Bank '' keeps paying both companies for the same home. I got reimbursed from XXXX most of the money in XX/XX/XXXX but 5th 3rd Bank has once AGAIN paid both companies and the escrow account is a mess. I will do my best to refinance to a better Bank ASAP. 

XXXX XXXX XXXX
Product: Mortgage

Im XXXX years old, XXXX and in a very difficult situation. I have no running water in my half repaired kitchen because my Reverse Mortgage Funding will not release the {$7800.00} of my insurance money. I had a flood in XX/XX/2019 and the insurance company paid {$11000.00}. The reason for not releasing the funds is because my mortgage is inappropriately if not illegally delinquent. 
According to my reverse mortgage agreement I make no payments. In XX/XX/2019, I filed Chapter XXXX bankruptcy in which my house was not included. When this occurred RMF contracted an attorney, which Im told was to place a lien on my house to protect the investors. I was always under the impression that the mortgage is a lien, in first position, on  the house. The {$650.00} attorney fee was charged to my line of credit which put my mortgage into delinquency. There was approximately {$55.00} in my line of credit in XX/XX/2019. No one can speak with me because my mortgage is delinquent and no one can tell me how to resolve this. This has been going on since XX/XX/2019. My contract for repairs states 60 % payment upfront and 40 % upon completion. To date, RMF has only paid my contractor {$3600.00}, owing him {$7800.00}. But, RMF wont release funds until the work is completed. I have no way of paying the {$7800.00} to complete the kitchen repairs and no way to borrow this money. And if I borrowed it, at this point Im not sure they are going to release the funds anyway. 

I have submitted multiple, often duplicate documentation from me and the contractor. When I call Im constantly transferred, put on hold sometimes more than an hour then disconnected. All these disconnected phone calls can not be a coincidence. I dont like to think like this and almost everyone is pleasant but something is just not right.

And to boot, Im paying interest on the negative money in the line of credit. If I lived to be in my 90s this may be thousands of dollars. 

This has been so stressful. It has affected my physical and mental health which is already compromised. I was scheduled for back procedures but they were canceled due to the pandemic. I have XXXX XXXX XXXX from washing my dishes in the bathroom sink. Its been a nightmare. I wish this on no one. 

I certainly hope that you can intervene and help to resolve the situation and have RMF release my insurance funds so my kitchen can be repaired and I can live safely. And I hope that you can review their procedures and prevent them from doing this to other  seniors especially those more vulnerable than me. Hurricane season is approaching, and if my windows or front door gets blown out, I dont want to go through this again and not have repairs done that were paid by my insurance but delayed because RMF is holding the money.
Product: Debt collection

The electric bill was closed on XX/XX/XXXX Which brings this bill passed the statute of limitation for this to be on my Credit File, Also the amount is wrong... I've made repeated attempts to get this off my Credit file, which it was removed, ( after the7 years ) then it was Erroneously put back on my Report XX/XX/XXXX. THIS COLLECTION COMPANY tactics are above reproach, and as a United States Veteran who sacrificed for this Country I should not be treated like this by this Company.