23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The attached exhibits clearly display each violation of federal law against my consumer rights that Fed Loan Services has committed and if I did not send a cease-and-desist letter on XX/XX/2021, Fed Loan Services would have continued to violate my consumer rights in regard to an alleged debt. I am the original creditor of this consumer credit transaction and am the only one who could validate this alleged debt. This alleged debt is not mine nor does it belong to me but instead my social security number assigned to me as a natural person was used for fed loan services to have a line of credit extended to the corporation. Fed Loan is the debtor/borrower for the referenced accounts mentioned in the attached exhibits. Fed loan Services also has been sharing my information with XXXX parties that were not involved at all with the initial consumer credit transaction which also violates federal law. Fed Loan Services has caused much pain and hardship for me and my family as consumers and they must be stopped before Fed Loan Services continues to violate other natural persons consumer rights. The referenced Fed Loan Service account # : XXXX should be deleted from all XXXX of my credit reports ( XXXX, XXXX, XXXX  XXXX and monetary damages detailed in the attached Bill of Particulars should be paid within 30 days of receipt of this demand letter. I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete, and relevant information has not been omitted. If this demand for violating my rights through perjury of law is not acknowledged and rectified upon receipt or within 30 days, I will proceed to file required legal documents along with my legal counsel to pursue this matter within the state/county court that I reside in.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX***XXXX  is reporting a charged off collection to my account. However I never opened this account and it is not mine, not to mention it is past the statute in Utah. I would like this account removed as it is fraudulent and should not be on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to apply for a mortgage. My Experian report/score will not show up. I have called Experian several times and been told that my file is fine and should report. Initially I was told there was a discrepency with my last name. I submitted all necessary documents to update my name but still no report. I have lifted all freezes and unlocked everything. I have had 3 different lenders ( one a year ago and two in the last 60 days ) try to pull my Experian report but it will not come up. No one that I talk to can explain why this is happening to me. I believe it comes up for everything else, but it will not show for mortgage lenders. PLEASE HELP
Product: Credit card or prepaid card

It is unacceptable to me for my complaint to be closed as if there is a resolution when there isn't one. I am re-submitted a complaint that didn't come to a resolution with my credit card company and will keep one open until there is a resolution. Business Credit card was suddenly closed with no reason given on XX/XX/XXXX. There were over {$1000.00} in rewards points on the card when it was closed that can't be used now that the card is closed. After the card was closed we called American Express on XX/XX/XXXX and was told there was no reason for closure and that the representative on the line would take care of the issue for us and reinstate the account. By XX/XX/XXXX the card was still closed and we called support again. Again we were told there was no reason for the card to be closed and that we would have to " reapply '' to have the card reinstated. It is now XX/XX/XXXX and the card is still closed with no follow-ups from American Express . We would like the card to be reinstated and to regain access to our rewards dollars. The response to my original complaint on XX/XX/XXXX was responded to today XX/XX/XXXX. I am summarizing with my interpretation of the letter but it basically stated we don't know why your account was closed, you provided everything that would be needed to reinstate it and the card is still closed. I have attached the companies response from today XX/XX/XXXX which offers no resolution of reasoning.
Product: Debt collection

On XX/XX/XXXX they called me stating they were going to file a legal case against me. Stated they couldnt provide anything in writing unless it was a payment plan. But I told them that was odd cause by law I have the right to receive something in writing in regards to this case. They said no. They aldo called my ex husband and provided non pertinent information to him and provided a case number and everything. 
When I called the number an XXXX XXXX from XXXX XXXX XXXX misrepresenting herself and the company she worked for. She was the one trying to get me on a pmt plan however I told her that I wanted something in writing she stated she couldnt and giggled and said she wished me the best of luck with XXXX County. They dont even have my current address and didnt even ask me it. Lack of professionalism and misrepresentation of company. 
I called again to ask them for a company address then I spoke to an XXXX from the " proceedings legal department ''. He was rude. He raised his voice at me and said he was going to proceed legally if I didnt agree to a payment plan. Told him I wanted something in writing and he said they didnt provide anything that the only thing he was going to send was the legal paperwork. I told them I couldnt agree to anything if I didnt know who they were and he stated he wasnt allowed to provide me with any information. That he understood that I was upset because they called my ex husband but that wasnt his fault because they used a locator.
Product: Credit reporting, credit repair services, or other personal consumer reports

this mortgage was foreclosed on XX/XX/2019 however XXXX XXXX XXXX repeatedly re-ages the account showing as late then current then foreclosed. this has caused me and my family irrecoverable harm. This account has never been reported correctly
Product: Debt collection

Reference : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX County, XXXXAPN XXXXI XXXX XXXX am the legal owner, with recorded property rights, fee simple, absolute paramount interest to the marital property, community property, A grant deed and order from family law has been perfected in the registry of deeds. 
XXXX XXXX XXXX, ( XXXX ) XXXX which it call center is stationed in XXXX XXXX, and also holds an address at XXXX., XXXX XXXX XXXX, whom was spinned off from OCWEN Loan Servicing , LLC . 
Both OCWEN and XXXX claim they have a right to sell our family home online world wide web thru XXXX, and has connect our home to property I. XXXX XXXX. 
I have researched XXXX XXXX registry of deeds and did not locate any instruments that would give authority to OCWEN and XXXX to sell our home. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX County, XXXX is an awarded asset in family law, the order has been perfected. 
I believe that a fair solution is to identity clean standing and produce true and genuine instruments ; A fair settlement, not just take my home. 
Comply with Consent Order and Homeowner 's Bill of Rights. 
It appears that my order from family law and discharge order bankruptcy has been refused by both parties. I provided all the required information, such as order from Family Law, Discharge Decree Chapter XXXX, Declared Homestead, Grant Deed, repeated times within the stated timeframes, no response or progress was ever made. 
To my knowledge Ocwen Loan Serving , LLC also XXXX have not filed any documents to establish foundation and enforce a debt, much more threaten to seize our family home. 

I request for a full, fair and complete investigation, under the supervision of an assigned Independent Case Examiner.
Product: Credit card

I have been a loyal Discover cardholder for 10 years, consistently paying my statement balance in full and on time every month. However, due to an unforeseen circumstance, I recently faced my first-ever late payment. 

On XX/XX/year>, my bank account was compromised and frozen due to a security issue. Unfortunately, this happened on the same day my Discover payment was due. Because my account was frozen, my scheduled payment to Discover was not processed. As soon as I resolved the banking issue, I immediately scheduled my payment, which will be completed on XX/XX/year>. 

Upon reviewing my account, I was surprised to see that I was charged the following fees as a result of this incident : {$62.00} in cash advance fees {$62.00} in interest charges ( including interest on purchases and interest on cash advances ) I contacted Discover immediately to explain the situation and requested a one-time courtesy waiver of these fees, given my 10-year track record of perfect payments and the fact that this issue was out of my control. Despite my proactive approach, Discover has refused to provide any flexibility, stating that they no longer offer courtesy waivers. 

When I escalated my request to a supervisor, I was informed that there was no further escalation possible, and that the refusal was final. I find this to be an unfair and unreasonable policy, particularly when other major credit card issuers offer one-time exceptions to responsible, long-term customers who experience unforeseen financial disruptions. This lack of flexibility penalizes customers who have demonstrated financial responsibility for a decade and does not align with industry best practices.
Product: Credit card or prepaid card

I recieved a Prepaid NETSPEND Credit Card in the mail that I did not ask for ... The tag line is " Welcome Back '' with my name under it. The mastercard circles are also on this mailer. This made me believe that someone had applied for a card in my name or that something else was happening. After reading the small print that this was a Prepaid card and that NO credit reports were pulled and that no application had been sent to generate this mailing and that I was to dispose of this securely if I did not want it. If I wanted it, I would have asked for it. It is not right for companies to send faulty advertising trying to XXXX consumers into stuff that we don't need. The only recourse I have is to report them to my State Attorney General 's office and you.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Mortgage

We paid a check in the amount of {$25000.00}, to XXXX XXXX XXXX  on XX/XX/XXXX, for crediting into our mortgage holder account. The XXXX XXXX XXXX  goofed and credited in one of their own account. We kept looking in our monthly mortgage statement and never received credit for this amount until we refinanced our mortgage on XX/XX/XXXX. 
The loan was paid off and the mortgage company did not give us the credit. 

We complained at the XXXX XXXX XXXX last year and they kept stalling and stated a specialist is going to look on and resolve the issue. On XX/XX/XXXX XXXX XXXX found the payment and that was deposited into the mortgage holder account. But, as of this date, she has not furnished any proof so that we can claim our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts. 

1. XXXX XXXX XXXX  XXXX 2. XXXX XXXX NA ( Inquiry date : XX/XX/XXXX XXXX 3. XXXX XXXX AUTO FIN ( Inquiry date : XX/XX/XXXX XXXX 4. XXXX XXXX XXXX  XXXX XXXX ; Late Payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX 5. XXXX XXXX ; Late Payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX These accounts, inquiries and late payments are individual actions, they must be delete immediately.
Product: Consumer Loan

Continually harass my husband and I. I am a XXXX out until XXXX starts back XXXX XXXX and my husband is out on XXXX so we are unable to pay the loan. Keep asking us to borrow the money, call constantly, and are rude and threatening.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Product: Credit reporting

Both myself and my wife have put credit freezes on our accounts at Experian, XXXX and XXXX. XXXX will let us get our free annual credit reports online. Experian and XXXX wo n't. I am assuming the reason is because we have credit freezes on our account. This is unacceptable. It is a pain in the neck to request them via XXXX mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is not mines they will or have not validated this account XXXX XXXX XXXX
Product: Credit card or prepaid card

{$19.00} charge on XX/XX/XXXX statement. cleared my bank on XX/XX/XXXX was due XX/XX/XXXX. Synchrony Bank claims XXXX not paid. My bank ( XXXX provided the tracking number of the debit from Synchrony to show that it was paid but they still say we owe them the XXXX, We provided dates by fax with numbers to show it was paid. XXXX letter from Syn. states we still owe the amount. again we prove the money was paid but they say that they can't verify what they did with the! XXXX. So I will still have to pay on my XX/XX/XXXX statement. 
So what is my recourse?
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. XXXX XXXX XXXX XXXX.., has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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

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 : OAG CHILD SU 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: Credit reporting or other personal consumer reports

Submitted 1st attempt Dispute for hard inquiries on XX/XX/2024 second attempt was on XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to XXXX  and XXXX XXXX XXXX. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Progress has cashed a check for the amount of {$100.00} that was a pay for delete agreement written clearly and largely visible on the front. The check number was XXXX dated XX/XX/XXXX. This item was never deleted and in fact it was last reported XX/XX/XXXX this account is reported on a monthly basis and should not be! This account was labeled as a charge and is consistently reporting and has had me turned down for many things due to the fact it shows recent delinquency and that is incorrect! XXXX looks to have delete this item after contacting them in regards and providing proof. However this account continues to negatively report to XXXX and XXXX.
Product: Credit card or prepaid card

On or around XX/XX/2021, I received a Citibank Debit Card in the mail that I hadn't applied for and was not a replacement for any of my current credit accounts.

My husband called Citibank ( from a number he got from Citi.com ) and was transferred to the fraud dept. After speaking with them and being put on hold multiple times, he was told to call back tomorrow to speak to the Identity Theft Solutions dept ( was told they were already closed today ).
Product: Mortgage

I received a letter from XXXX XXXX in regards to past due property taxes. Taxes were due XX/XX/XXXX. I've relayed this to US bank on XX/XX/XXXX the amounts and US bank has pulled the document with the details from XXXX XXXX tax website. Escrow has plenty of funds available but hasn't paid the past due that Im more than happy to pay. The penalties however would be the responsibility of US bank as I'm have never been late on any mortgage payments as I paid extra each month. US bank blames others for the mistake and wants either myself of the title company to pay the accrued penalties. 

Below are some of the details from the calls : XXXX US bank XXXX XXXX XXXXXXXX stated this to be resolved in 10 days, XXXX XX/XX/XXXX XX/XX/XXXX talked to ID # XXXX - payment pending new date for resolution XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries listed on my consumer credit report ( referenced below ), as they appear to stem from a data breach or fraud. I request verifiable proof, including documentation of my signature or electronic signature, to validate these actions. 

This letter is submitted on my behalf and not through any third party, so I urge you to review it thoroughly. These actions were not authorized by me and constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I have contacted the companies associated with these accounts and inquiries, and it has been confirmed that these actions were initiated without proper validation or original proof. Since I did not authorize them, the accounts and inquiries in question are inaccurate and either result from a data breach or represent the unlawful reporting of my consumer information by creditors or third-party data furnishers. 

I request that you promptly investigate these matters and take immediate action to remove the unauthorized entries from my credit report. Your timely response to this issue is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX ) ON MY CREDIT FILE EQUIFAX HAS BEEN TOLD THAT THIS ACCOUNT IS FRAUD. XXXX ALSO HAS A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I need assistance from your agency in order to help me with Chexsystems and the reporting that they do. I have been disputing a lot of inquiries, addresses and phone numbers. These issues need to be resolved correctly with their removal and they shouldn't continue to reappear. These items that I have listed needs to be removed : XXXX XXXX XXXX XXXX, NJ XXXX - is not my correct address -Remove ( XXXX ) XXXX is not my phone number XXXXremove ( XXXX ) XXXX is not my phone number - remove ( XXXX ) XXXX is not my phone number - remove ( XXXX ) XXXX is not my phone number - remove ( XXXX ) XXXX is not my phone number - remove Inquiries - Disputing as I did not give the financial institutions permission to pull my report : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  -5/15/2020 Thank you