23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> XXXX XXXX, acting on behalf of Exeter Finance attempted to repossess my vehicle. I was notified of this and immediately came outside and objected to the repossession. I got into the driver seat of my vehicle demanding the tow truck operator release my vehicle and he refused. We sat in the parking lot of my daughter 's father 's house for the next 10+ hours while the tow truck operator called me obscene names and told passer-byers that I was a XXXX XXXX  debtor. The tow truck operator accessed my trunk and unhooked my battery so I had no heat for the entire 10 hour ordeal. He threw the property from my trunk onto the ground and XXXX  my daughter 's father when he came to ask the name of the tower 's company and who he was acting on behalf of. He constantly was lifting my vehicle and dropping it so that I was XXXX  around inside the car and only after speaking with an attorney who called XXXX XXXX 's main office was my vehicle released. During the ordeal I was unable to relieve myself properly without being able to leave my vehicle and had no choice but to relieve myself in my car. I was living out of my car at the time and this ordeal was extremely traumatic. I have a good part of the incident recorded as I was on my laptop that my family brought me doing research on how to get this man to let me go. The police were called upward 7 times but refused to intervene even after he assaulted my daughter 's father. XXXX XXXX should have to be held accountable for their actions and Exeter Finance was made aware of the incident - I was told that I would receive some sort of communication in return for my formal complaint and never did.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated attempts to address the inaccuracies in these accounts and my requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, aka XXXX, XXXX in XXXX, TN has reported 10 new collection accounts on my credit report. The account ( s ) and amounts are as follows : Account number XXXX Amounts : {$270.00}, {$210.00}, {$210.00}, {$110.00}, {$120.00}, {$160.00}, {$240.00}, {$210.00}, {$110.00}, {$91.00} all to XXXX XXXX XXXX XXXX. 

I have not been to a XXXX XXXX XXXX XXXX facility in over 3 years. 
I became XXXX in XX/XX/XXXX and had XXXX XXXX since XX/XX/XXXX and got full Medicaid/Medicare 1 year later and what is suspicious is all of my accounts with XXXX, XXXX were scheduled to fall off my reports the end of this year, or the first part of XX/XX/XXXX. 

I believe : 1. They have reaged this accounts to keep them on my report longer, as they didn't show up on my credit reports until this month, but they ( XXXX, XXXX ) state they " opened '' the account back in XX/XX/XXXX. 
OR 2. These accounts DON'T belong to me. 
OR 3. I am a victim of fraud/identity theft. 

I want validation of these debts to prove they are mine, but I know they are not.
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. 


XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) states 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 or other personal consumer reports

We opened a loan thru XXXX XXXX back in XXXX. The loan was sold or transferred to Concord XXXX last year either XXXX or XX/XX/XXXX. We were not notified about this. It was not till I called to make a payment with XXXX. That I was told it was sold to Concord. So Concord sold it back to XXXX in XXXX or XX/XX/XXXX. Concord is showing they closed the account and charged off the account balance of {$7500.00} amd still showing on my credit report that I owe them {$7500.00}. Even though they sold it or sent it back to XXXX with the same amount of {$7500.00} due on the loan. This loan is paid off thru XXXX. I filed a dispute with experian. They said all the info was correct from Concord and would not change the negative reporting on the credit report. I have spoken to Concord multiple times the last 2 months. They are still saying they show no balance due. But refuse to contact the credit agencies to remove the false information.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report & noticed a fraudulent account on my credit. I want this fraudulent account removed from my credit report immediately because it is hurting my ability to obtain credit & is violating my rights under 15 USC 1681
Product: Mortgage

I am refinancing my home and I contacted WellsFargo on two separate occasions and have requested a loan payoff.First in XXXX of 2016 when I called I was told that they would have to fax me that info due to the fact that I had done a loan modification and I that I wanted to make sure that that modification was included in my payoff amount that they sent me.That was on a Friday and I said that was fine. When I returned to work on Monday the payoff quote was on my fax machine. I have attached a copy. I did not get to close on my refinance loan. I again contact them and ask for another payoff quote and asked that they again fax it to me, at this time I ask to make sure that the loan modification be included in my payoff and I was told it would be. I go to my banker on Thursday XX/XX/2016 and he has order a title search and finds that I have a second lien on my property, I do agree that I did the loan modification and I do agree that I was told that there would be a second lien on my property.However, when I asked specific questions to WellsFargo if that amount would be included in my loan payoff I was was told yes 2 separate times by WellsFargo employees that it would be included. When me and my banker that is doing my refinance called them on XXXX XXXX 2016 is when we was told that I would have to contact HUD for that payoff. My complaint is that if this information was in my account all this time why did no one tell me until now? A supervisor named XXXX XXXX then goes to tell me that she is n't sure why they would n't have give me this information as to why I specifically asked for it. Now this has been turned over to a XXXX with WellsFargo she has just informed me that there is nothing that they can do. I think this XXXX unfair and misleading information that I have been provided by WellsFargo.
Product: Mortgage

SPECIALIZED LOAN SERVICING LLC charged me a late fee and I have never been late on any monthly mortgage payment.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Went through  XXXX    XXXX   XXXX   which made an agreement with  On Main fi nancial in the amount of  XXXX  through the law office which was representing  one  main. Payment made for the first  XXXX  and then the second payment of  XXXX  was made on  XXXX  over the phone to the law office from  XXXX   XXXX . I have the receipt with transaction number. I was not aware this was not cleared till 15 months later when I received a letter from  one main telling me I was delinquent. I have spoken to many individuals at one main who keep telling me they are working on it and have not resolved receiving the p ayment from the law office. They keep telling me they are trying to resolve it but meanwhile this still is sitting on my credit report.
Product: Debt collection

Enhanced Recovery Company has posted a fraudulent debt that has affected my credit. I contacted the company after monitoring my credit score. Upon speaking with a representative I was informed that I had an outstanding debt with XXXX XXXX XXXX from the year 2011 that they were now in charge of collecting. Before I paid I decided to call XXXX XXXX. They informed me that I never had any such debt and that I was, in fact, not a customer during this year. I three way called the collection agency with the XXXX XXXX representative. They transferred my call 5 times before hanging up on me. I called the company back and explained that XXXX XXXX had never issued any collection information to them. They insisted that there was a debt. I again contacted XXXX XXXX cable to obtain records showing that I never owed any such debt. I called Enhanced Recovery Company again and was told they would still collect debt even with documentation from XXXX XXXX XXXX stating that I never owed the debt in the first place. I am at an ends as to what my options are.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I signed up with XXXX on XXXX 2019 for a one-year service of $ XXXX. 
The bills came : XXXX {$140.00} XXXX : {$130.00} XXXX : {$150.00} XXXX : {$170.00} XXXX : {$160.00} Each month I called to complain and each month I received a new version of why my bill was higher : features I did not sign up for had expired.. etc etc. I would have to pay disconnection charges higher than keeping the service. We agree on $ XXXX. 
The first bill after the new agreement came in the amount of {$280.00} with the note that " ongoing monthly bills will be {$250.00} ''. 
All exchanges with their agents are duly documented. 
I understood this would be the same saga. I stopped service and pay the last $ XXXX we agreed upon. 
I have filed charges against XXXX XXXX XXXX XXXX XXXX XXXX XXXX claims ( Case No, XXXX ) and reported that to every collector that has called me asking not to send this to the credit bureaus until it is resolved. They consider I owe the difference from the last bill {$240.00}. XXXX have called me, scorned me for not paying the {$100.00} instead, and laughed about my filing. 
Despite that fact and my request to wait until this case is solved, they sent it to collections damaging my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and outrage regarding the presence of fraudulent accounts on my credit report, as reported by your bureau. The accounts are blatantly fraudulent and have been acknowledged as such by the associated banks, which have already taken steps to remove them from their records. Despite my repeated efforts to have these fraudulent accounts removed from my credit report, your bureau has failed to take action. This is unacceptable and has had a detrimental impact on my XXXX XXXX and financial standing. It is important to note that the other major credit bureaus, namely XXXX and Transunion, have promptly removed these fraudulent accounts from their records after verifying its fraudulent nature. The fact that your bureau has not followed suit is deeply concerning and reflects poorly on your commitment to fair and accurate reporting. Kindly delete the accounts below : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Equifax on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Product: Credit reporting or other personal consumer reports

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : 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: Debt collection

XXXX works for Online Information Solutions about my {$300.00} some debt for XXXX XXXX. The only reason he has my information was because I called the debt recovery solutions company because I do want to pay my debt, when I can. I explained I want to buy a house, but paying all my debts at the price they are is something I ca n't do at the moment. I wanted to see if they would settle for a less amount. It turns out they would n't, but I said I would pay when I can. Instead of trusting that I will pay when I can, XXXX is constantly calling my phone leaving voicemail after voicemail. Today he called at XXXX, I explained AGAIN that I do n't have the money right now, I will pay when I can and to please stop calling it is harrassing. He told me he is allowed to keep calling. I said it is against the law to harass me like this and he replied with " It does n't work like that we can keep calling '' ; implying that he is above the law and making me feel pressured to pay, or else.
Product: Credit reporting or other personal consumer reports

The following hard inquiries are fraudulent and need to be removed : XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX
Product: Mortgage

Today, I heard from PM, a man named XXXX, ruthless, no apology, etc and anything that is negative. He called to tell me only that my loan was not going to vacated and went on to bring up about XXXX ' payment, which I indicated that they should receive it tomorrow. During the call, I made it very clear that this war with them was not over. This has been happening for 10 years and my voice was far from flattering. These people are venomous, savages, unprofessional, no sympathy and the only service they offer is ... .BLOOD ON THEIR HANDS AND THEY SPEAK WITH FORK TONGUE ... HATE THEM ... .... 

The last complaint is number XXXX, I received a response from Penny Mac, on Friday, with their same standard format, indicating they are researching the matter. Based on their past history, this is what will happen, I will receive  another standard format in the next couple of days and this is what it will say ... Based on our enquiry we found no evidence that we have done anything wrong. I sent you the copy of their statement and this is what they do to me twice a year. This is been a problematic and chronic. So, in other words it is okay with them to continue their wrath. You can review my previous complaints outlining the same issues. There will never be any enquiries, whatsoever. It is only a standard format, in order for them to follow the protocal, for the government. They have an overturn of employees. 

I have pasted one of the links against PM, for your review. This is not a handful of complaints against them. The list is endless. Consumers have posted blogs and it is viral. I contacted a couple of law firms in XXXX XXXX and had spoken with them and each indicated without commenting on the litigation, if there were any class action against Penny Mac and guess what, there are and it is Penny Mac 's employees, who are the litigants. So, I asked, if they were whistle blowers and they replied, reluctantly, yes. I chuckled and replied, they will receive justice. 

Did your bureau have any knowledge on the matter? If not, now you do. Now about me. This Penny Mac is ruthless, unprofessional, forgery, fraudulent, thieves, emotional distress, screaming at me, etc. I have uploaded my initial complaint, per XXXX XXXX and thus, as of this day, nothing is whole. I had never heard of this bureau, until XXXX XXXX referred had indicated that it was time for the foregoing complaints and this is not going to stop. 

In addition, their extension numbers and web is ineffective. Do I care, no? They are disrespectful and arrogant. One of the employees, is XXXX. Bad news. All of my payments are through my credit union only, not them. They are not trustworthy. The evidence has been a ten year problem and they still have me in delinquency, as usual. They are a group of morons. 

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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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

I feel deeply upset and frustrated that unauthorized inquiries have appeared on my credit report without reason. Ive always been diligent in checking, but this time there were discrepancies I didnt expect. Refreshing the browser didnt fix it. I need this issue addressed immediately by reviewing my submitted documents so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time these reporting companies are in violation of 15 U.S. Code 1681a. Section 2 ( A ) The code states as follows.

( 2 ) Exclusions the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

This states any collection account or accounts bearing late payments on my report is transactional in fact and also are a reflection of an experience shared with the the creditor then forwarded to you without my knowledge I haven't given any consent to disclose this information on my report. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX
Product: Debt collection

ATTENTION TO BANK OF AMERICA I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Mortgage

Ditech Financial LLC f/k/a Greentree services my XXXX mortgage. 
During XXXX we have paid Ditech {$35000.00} in payments that they have neither credited to our account nor refunded to me. 
We have sent them multiple letters requesting an accounting or refund of these amounts and have received letters saying they are " looking into it '', but no resolution to date. 
These payments were made beginning XXXX XXXX, XXXX, so they have been holding, and presumably diverted, my funds for at least 8 months.