23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After reviewing my credit report, I discovered that XXXX was reporting a mortgage that was once owned by Bank of America in which a Deed in Lieu dated XX/XX/XXXX was submitted and excepted by Bank of America. A 1692g request was received by Representative ( s ) and Agent ( s ) of XXXX on XX/XX/XXXX. ( See Attachment A ) XXXX responded with proper validation of a debt owed per 15 USC 1692g, however the company does not have proper information " Deed in Lieu ''. ( See Attachment B ) A notice to cure was forced to be sent to XXXX containing the Deed in Lieu and my credit report to show that the alleged debt was XXXX ( XXXX ) out after the submission of the Deed In Lieu to Bank of America. ( See Attachment ) XXXX has NOT responded in addition to reporting the debt as a delinquency on my credit report and not as disputed. The loan was settled with Bank of America per the Deed In Lieu and the allegations that a debt is owed to XXXX are frivolous.
Product: Bank account or service

On XXXX/XXXX/16 received notice from PNC Bank of delinquent account for XXXX. Contacted PNC Bank and received agreement dated XXXX XXXX, 2016 for payment of {$30.00}, which was accepted by PNC Bank for payment on account for XXXX/XXXX/16. Received letter dated XXXX/XXXX/16 from PNC Bank informing me the account was no longer permitted to be drawn on. This is not correct, PNC Bank entered into an agreement prior to the decision of XXXX/XXXX/16. Asking for account to be returned to unrestricted status.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of a fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my case, from a FTC Report with # XXXX. Please find the ATTACHED documents to assist in the removing of the pieces of erroneous information and fraudulent accounts which were being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$810.00} XXXX  XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$100.00} XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX opened XXXX XXXX XXXX, XXXX XXXX Balance : {$580.00} XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$1000.00} XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$810.00} XXXX XXXX Date opened : XXXX XXXX, XXXX XXXX Balance : {$230.00} XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$520.00} XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$1000.00} XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$810.00} XXXX Date opened : XXXX XXXX, XXXX XXXX Balance : {$230.00} XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$100.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I'm not aware of this debt and did not have the opportunity to dispute. Also, please provide the method of verification, validation of debt, assignment of debt with CEO signature, and certified mail with receipt. 

Please have this account remove ASAP as this a violation of Fair Credit Act. 

NATIONAL CREDIT ADJUST # XXXX
Product: Mortgage

I submitted a tax increase form due to renovation done to the home in XXXX, My Loan Care agreed to pay this on our behalf, but it been it XXXX and still hasn't been paid. No one called me backs when they say they will. Dates they promises this would be resolved have come and gone
Product: Credit reporting or other personal consumer reports

I had just cancelled my Experian Identity Theft protection plan last week. It was a paid for premium account. I cancelled my account due to the Identity theft representative not responding back to me after several complaints, and notifications not being acknowledged by that representative. The cancellation was successful, but I was just recently retaliated by Experian with the following. I just received an email today stating that my credit file was unlocked due to my premium services being cancelled. BUT it was placed on lock prior to the cancellation due to me becoming a victim of identity theft. I did NOT authorize Experian to unlock my credit file because my identity has been stolen, and the police are currently working on my case. I feel so helpless, I have reached out to Experian but I remain vulnerable again due to there lack of professionalism. I also was a victim of Identity theft from the XXXX data breech a few years ago, and I currently am supposed to have a free premium Experian account as part of the settlement agreement, and Experian once again has failed to not provide this service as my favored settlement. But because I value my credit portfolio I ended up paying for their services for over a year now, and I still was victimized again. Not sure how you are going to assist me, but I'm having a horrible year so far due to this nonsense.
Product: Credit reporting or other personal consumer reports

I've noticed unfamiliar items on my credit report that I did not authorize. It appears someone may have stolen my identity because I did not approve these accounts. I have raised this issue previously, and I now urgently request the removal of these accounts from my report. The presence of these accounts is causing me significant stress. They do not accurately reflect my credit history or financial management, and dealing with this situation has been challenging. If we can not resolve this matter, I am prepared to take legal action to protect my rights and seek a solution. These inaccuracies on my credit report are hindering my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope for a prompt resolution to this issue.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$180.00} Account Name : XXXX # XXXX OPENED XX/XX/XXXX - BALANCE {$710.00} Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$520.00} Account Name : XXXX XXXX  # XXXX OPENED XX/XX/XXXX - BALANCE {$980.00} Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1600.00} Unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Diversified Consultants calls me, on the average, once a weekday. 

I am 100 % debt free. I do not owe any money to any entity. I know this because it is a recent achievement, a very deliberate financial state on my part, and something I take pride in. My credit reports contain XXXX derogatory marks, 100 % of payments are on time. 

The organization contacting me has used different numbers at different times. 
XXXX on XX/XX/2018 at XXXX EDT. 
XXXX on XX/XX/2018 at XXXX EDT. 
XXXX on XX/XX/2018 at XXXX EDT. 
XXXX on XX/XX/2018 at XXXX EDT. 

This has been going on for longer than the dates mentioned and I can provide additional dates and times of unsolicited phone calls if necessary. 

They do not ever leave a voice mail requesting a call back. I have not and will not answer any number that looks like the numbers above. But if I call any of these numbers back, I get a recording from Diversified Consultants that says to press XXXX to make a payment. I am not making any payments to this organization ever, as it is a fact that I currently do not have any debts. Whatever their reasons are for contacting me must be incorrect, but I grow weary of these daily suspicious phone calls with no voice message left.
Product: Credit reporting or other personal consumer reports

I have mailed a dispute to Transunion, USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XXXX XXXX I have attached mailing attachments below along with the actual letter mailed to Transunion, along with tracking and signature when delivered. I have been disputing account ( s ) with Transunion. 

The account below are reporting inaccurate according to the XXXX XXXX Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXX In accordance with the FCRA 611 ( 15 U.S.C . 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( s ).
Product: Credit reporting

Equifax is refusing to remove  XXXX   XXXX   XXXX  from my credit report. Even after seeing that is inaccurate information.  XXXX  has sent several letters regarding the account should be deleted, and i have forwarded them all to Equifax yet it still remains on my file. I thought the law was that all inaccurate information must be deleted in a amount of 30 days. This has been going on for almost 120 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Credit reporting or other personal consumer reports

There has been a breach of FERPA of my information has been compromised without my consent from DOGE and I demand my XXXX  loans be removed and cancel my XXXX  loan debt and discharge from my credit report and due to this violation of my financial and personal information. You have five business days.
Product: Credit card or prepaid card

I was offered a  Chase Salhire cred it card with a {$9000.00} limit, I accepted. They contacted me and told me it was on the way. I received the c ard two days later. I activated it and used it a couple times that day for small purchases. Hours later the card was canceled for no reason. No one will give me answers. When I received this card I canceled another card thinking I would use this one, now I am without a credit card. This will also report on my credit negative as " closed by grantor ''
Product: Mortgage

I have been trying, unsuccessfully, to get a loan modification for my mortgage with US Bank. Even though I meet some, if not all of the criteria to obtain such help, I was denied ANY and ALL help, even though they signed an agreement with the government to offer homeowner 's assistance to prevent foreclosure on their mortgages. I have done some research and there are thousands of people in my same situation with this bank. I think US Bank Home Mortgage should be investigated for their failure to provide homeowner assistance.
Product: Mortgage

I purchased my home on XX/XX/XXXX with XXXXXXXX XXXX ; property located at XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX filed a security deed with XXXX XXXX XXXX XXXX of XXXX XXXX, Georgia stating with my name on it stating that I took out a loan in the amount of {$130000.00}. My name was forged on the security deed and I did not borrow money from XXXX XXXX  XXXX of Georgia. My name is not on the Loan Repayment Agreement and I did not sign any mortgage documents pertaining to the above referenced loan. 

Fay Servicing started servicing the loan in XXXX of XXXX and is using the fraudulent security deed to foreclose on my property. Fay servicing also has placed the debt on my credit report. I have reached out to Fay Servicing to resolve this issue several times to no avail. I've attached a copy of the above mentioned security deed, loan repayment agreement ( proving that I am not on the loan ) and an affidavit I filed with the XXXX XXXX XXXX XXXX of XXXX XXXX, Georgia stating under oath that I did not sign the security deed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed ch XXXX bankruptcy. After filing bankruptcy, my account became negative and closed. As the delinquency happened during the automatic stay and was fully dischaged, nothing was allowed to be reported. A bankruptcy automatic stay disallows collection efforts of any kind and credit reporting was part of that. Frost illegally put out information that my account was opened and charged off same month in violation of the automatic stay. 
When I disputed this information showing up on my credit report, they reported it to XXXX  as 14 separate chargeoffs.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dynamic Recovery Solutions is contacting me about a XXXX Account they bought from a different collection agency called XXXX XXXX about a debt they said I owed from 2010 to XXXX XXXX. I requested them to cease communication and they threatened to sue me when I do not know of this account and also the beyond the statue of limitations.

Dynamic Recovery stated that they can still contact me as they said this is their first contact, I however and not aware of any XXXX Account from 2010, or any other year. I requested them to stop contacting me and was told they do not have to.

This is a formal complaint against both XXXX XXXX XXXX and Dynamic Recovery solutions. they have clearly violated the FDCPA. the number they called me on is a number they could have only gotten from my credit file and is a very new number. as they stated this account is from 2010, and can not validate this debt with XXXX, I am requesting a thorough investigation into both of these companies.

I have never received any written communication about this debt.
Product: Debt collection

Inaccurate reporting. I have had no business with ACCT CORP OF SOUTHERN NEVADA there is two different amounts being reported on my XXXX  account {$290.00} and XXXX  {$300.00}. Last reporting XX/XX/2020.
Product: Credit card

open acct XX/XX/23 stil didnt get card also they supposed to add brithday gift coming up
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXXXXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft due to the XXXX XXXX XXXX. The following are fraudulent hard inquiries that I do not recognize and would like removed from my credit report ASAP. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX continues to send me mail demanding I pay {$4900.00} immediately or I will have a lawsuit filed against me. They say it is for a PayPal credit though Ive never used that in my life and on XXXX occasions ( most recently being today XX/XX/2021 ) PayPal confirmed I have not and do not have credit with them. 

I even get regular offers to sign up for PayPal credit ~ which wouldnt happen if I had been sent to a collection agency for PayPal credit being unpaid... 

The XXXX company continues to mail me the same document with threat of a lawsuit with the most recent being sent on XX/XX/2021 that I received in the mail on XX/XX/2021 with demand to pay by XX/XX/2021 or face legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent unauthorized inquiry by XXXX XXXX XXXX XXXXXX/XX/2022 or provide proof in writing within 30 days
Product: Debt collection

A collection agency Harvard Collections based out of XXXX, IL placed two separate reports to my credit for the same debt in XX/XX/XXXX and again XX/XX/XXXX. I have never been contacted via phone, or mail in regards to any debts. When I contact Harvard they could provide zero I formation but it was a debt from XXXX. I contacted XXXX  XXXX  number provided from Harvard Collections and was told it was an overpayment from XXXX in the state of Illinois. I have not lived in Illinois since XXXX. They have no record of ever speaking with me and could not verify any other information. They confirmed they have never received any payments towards the debt from me but from state tax returns in XXXX & XXXX. Since, then there has been no other contact on this debt until it appeared on my credit 21 years later without warning. Not only was it reported it was done twice causing me great economic hardship as my daughter is preparing to return to school this fall and this hurt my abilities to co-sign her lease. I do not owe this debt and have zero knowledge. How can a company put a 21 year old debt on your credit without reasonable attempts to resolve? What is the statute of limitations? These people basically are saying they waited over 10 years to report the debt. I had to write the headquarters of XXXX in XXXX, IL for details as Harvard or XXXX XXXX  could provide any details just the date of debt and the amount. I do not owe this and needs to be removed from my credit reports ASAP. I also want Harvard Collection and XXXX collections tactics reviewed as this is wrong.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, i attempted to send a Western Union Payment to the Agent of a company in North Carolina for {$560.00} Western Union Tracking MTCN No XXXX XXXX XXXX Later i received a message from Western Union stating that the Order was cancelled. However, the Money was not refunded back to me. I contacted Western Union several times and each time they would give me a different excuse, but still no refund. 
Dear XXXX XXXX, Money Transfer Control Number ( MTCN ) : XXXX We have canceled your money transfer with tracking number ( MTCN ) XXXX. 
If you were already charged, we are also processing your refund. Please note that it may take 7 business days for your bank to credit your account. 
Thank you for using Western Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request a credit freeze/block/pin for XXXX, XXXX, XXXX  and Lexis Nexis.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2019, I fell victim to a multilayered scam operation orchestrated by Fake XXXX Account ( the Fraudsters or Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains. 

Money was transferred from my XXXX XXXX account in the total amount of XXXX USD utilizing their services.
Product: Debt collection

I am beyond exhausted with all my efforts to resolve this matter with ability to recovery for a number of months. I have gone back and forth trying to find a solution to remove this account off my consumer reports, but with no response. I have been advised to contact an attorney to file suit for damages, that I am entitled to under the FCRA. I have absolutely no knowledge of these derogatory marks on my report. This has been completely devastating to me and my family due to the fact that I am homeless because of how this is affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove by the credit bureaus in my credit file right away : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

Federal Law ( 12 U.S. Code 4902 ) requires that PMI be AUTOMATICALLY terminated on the date when the principal balance is scheduled to reach 78 percent of the original value of your home. For my loan, this should have taken place in XX/XX/XXXX and DID NOT.

PMI should have been removed when my loan balance was scheduled to reach {$37000.00}.

XX/XX/XXXX - My loan balance was {$37000.00} I was charged PMI for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Why is this company NOT AUTOMATICALLY removing PMI as it is required to do so by Federal Law?