23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, this is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items I found being reported on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$930.00} US DEPARTMENT OF EDU XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$2500.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Plusfour INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Plusfour inc, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting on my XXXX credit files with a balance of {$710.00}. When I tried to pay this balance they told me they sold the account to XXXX XXXX. By federal law, since XXXX XXXX no longer owns this debt, they can not continue to report a balance owing on the debt. 

I verified with XXXX XXXX ( account number XXXX Phone XXXX ) that they now owned the account and that is was not just " placed '' with them. 

I disputed this with the bureaus and XXXX XXXX XXXX XXXX responded leaving this on my files. This is willful negligence of their responsibility outlined in the Fair Credit Reporting Act. And as you well know, Willful Negligence carries a punitive damages clause when sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEVER had XXXX XXXX card  nor home depot card. I have never used any name ending in XXXX. I have never lived in XXXX nor XXXX XXXX Florida. My only last social security 4 digits are and only XXXX. 
XXXX XXXX XXXX has been harrasing mr for over 20 years and I have never done sny business with XXXX XXXX XXXX. 
lastly. I have never defaulted a student loan. I was active student. later had forbance. due to hurricanes in Puerto Rico.
Product: Bank account or service

i overdrafted my account seberl times now chase has restricted my acount wont give me my direct deposit which is almost XXXX dollars and its going on a month now. they took their money and keep telling me that the system will close it but drawing intrest on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Account Name XXXXXXXX XXXX Account # : XXXX Date opened : XX/XX/XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, DE XXXX Phone number ( XXXX ) XXXX
Product: Checking or savings account

There was supposed to be a transfer from My checking account ending in XXXX for XXXX on XX/XX/year> to my external acct and transfer never happened it was adjusted on my account without my knowledge or authority and now that XXXX is missing from my account since it not in my external account or im my checking acct ending in XXXX
Product: Credit reporting or other personal consumer reports

I have several accounts that are being reported and they don't belong to the consumer and the information requested to validate the debt has not been provided. XXXX  account reference a date of birth that is incorrect and the date of the age for account is incorrect. A XXXX more or less is being reported by a unknown party that has been sending letters of collection, the request for validation of debt has not been provided.
Product: Debt collection

We agreed to pay up to {$150.00} a month for TV and internet services for 2 years. I also let them know that we were on an fixed income and could only pay so much a month and they said that they could and would keep the bill under a {$150.00} a month. But every month after XXXX XXXX XXXX took over XXXX XXXX XXXX had to call to let them know that that was not our agreement. So after so many months of trying to them to fix the problem my husband and I went elsewhere for services. Now XXXX XXXX XXXX & XXXX XXXX say we broke the agreement I didn't they did.
Product: Student loan

My son XXXX XXXX is in school and will receive his PHD in XXXX. He has student loans through Sallie Mae. Sallie Mae has made his loans revert to payment status as of right now. My son uploaded deferment information on XX/XX/XXXX and again on the XXXX with no response. He then called Sallie Mae on the XXXX of XXXX and was told they had received the information and it would be 5 - 7 more days. I am a cosigner on his loans. I called into XXXX XXXX on XX/XX/XXXX and was hung up on twice. The first gentleman I spoke with was XXXX. He found his information and then began to process this information. The phoned was cut off and I had to call back twice more. I finally got XXXX on the phone who then told me it would be another 10- 15 days. I explained to her this was unacceptable as this will not put a mark on our credit reports as being late. I called back on Wednesday XX/XX/XXXX and was told that the deferment was only allowed for 48 months and that his loans were now due. The person on the phone was rude at that time so I asked to speak with a supervisor. XXXX who was a supervisor came on the phone to explain that the loans were now due and my son has no other options but to call the loan resolution department. At that time there were 28 people ahead of us so we decided to call back on XX/XX/XXXX. I called into the loan resolution team at ( XXXX ) XXXX at XXXX am. I finally had someone pick up the phone at XXXX am. The lady on the phone did not give her name but said he had no other options but he may be able to reduce the payment to $ XXXX. Before I could ask a question this person has left me on hold now for over one hour. My son is in school and I do have a job. Now according to the recording there are 48 people ahead of me as I guess the representatives want us to hang up. As of right now I have been on hold for 1 hour and 30 minutes with no one picking up.
Product: Checking or savings account

We closed our account on XX/XX/XXXX, we told we get our funds in a cashiers check in ten business days, we called back in two weeks, they stated account was in closing status, they would close it and we would get our check the following week still no check, called again now its XX/XX/XXXX the account still not closed, we requested be closed now they stated we would not a get our cashiers check till XX/XX/XXXX, ten business days has turned to two months with Bank of America all because they cant figure out how to close it on the corporate end, but when we go into the branch it shows closed.
Product: Checking or savings account

i was victim of identity theft and had the company keeps saying I do not owe anyone but I can not get a bank account. The are reporting false information I am going to sue
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe Equifax has truly done a disservice to me by ignoring to completely answer any of the disputes that I have sent to them. They have allowed for erroneous and invalidated items to remain on my credit report. I sent my first dispute to them on XX/XX/XXXX. They did not provide me any of the details that I asked for in the dispute but somehow " verified '' the accounts. They've also provided me very slow and delayed responses throughout the entire process. The other bureaus have already deleted plenty of these accounts. The last letter that I sent to them was on XX/XX/XXXX, requesting them to comply, which was sent because they are just now opening a reinvestigation, in XXXX, from a letter that I sent to them in early XXXX. XXXX XXXX notified me that they removed only one so far into this investigation. Bottom line is that they've opened an investigation based on a letter sent to them way outside of their time allowed to reply other than to comply with my demands. I have even sent letters directly to the companies reporting this information to Equifax and they have not been able to validate the accounts. As I stated before, other credit bureaus have received the same information that I've sent to Equifax and those bureaus have already began removing these erroneous items. This has been a terrible process due to their ( what seems to be ) automated replies. Equifax has continued to illegally let these companies report erroneous information. This negligent noncompliance needs to result in the disputed accounts being removed immediately.
Product: Debt collection

There is over {$3000.00} in debt that the company says I owe. Ive called several times to get debt verification and also an itemized list of dates of service with billed amounts. This company has failed to send me anything. Ive made several payments but there are dates Ive been billed for when I had insurance. I was advised by the company to reach out to my insurance to file a claim but I can not file a claim without the exact date of service and billed amount. This has hindered me for years and I just want to provide the necessary information they need to delete these bills. If Im not making a payment, theyre not very helpful at all.
Product: Credit reporting or other personal consumer reports

The failure to further and fully investigate the matter is absurd! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations. I disagree with the decision as this debt is not mine, and I should not be held accountable for someone else using my information. Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : * FDCPA Section 809 ( b ) and FTC opinion letter Case from LeFevre : Fine of {$1000.00}. * Defamation, financial injury- US Court of Appeals, Ninth Circuit, No. 00-15946 Nelson v. Chase Manhattan : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. * Defamation, willful injury - FCRA Section 623 CUSHMAN v. TRANSUNION CORPORATION ; US Court of Appeals for the Third Circuit Court Case 115 F.3d 220, June 9, 1997 Filed ( D.C. No. 95-cv-01743 ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts.
Product: Credit reporting or other personal consumer reports

For several years Equifax has fraudulently reported a bankruptcy on my credit file. I have disputed it with this bureau online and by written requests. I have submitted complaints through CFPB. I have called several times and been treated rudely. My latest call confirms what I already knew Equifax is a morally corrupt company that places profit and consumer suffering over the law. 

1. I have confirmed through XXXX the source that is listed by Equifax that no bankruptcy record exists. I sent those documents directly to Equifax and so did XXXX. That was not good enough to remove the data from my file as regulated by the FCRA. 

On my last phone call the customer service rep told me that the reason it is not being removed is due to an internal policy that only a document from the court is acceptable to remove public records. I have sent them proof from the court where I attempted to obtain this bogus bankruptcy. To have a policy that goes against the dispute process is ludicrous. They state they received documents from XXXX which by the way is part of Equifax. XXXX refuses to validate the erroneous information yet it remains years later on my credit file. 

I am providing documentation from XXXX XXXX, 15 US Code 1681n, a response from the court, an Equifax dispute screen, and my Equifax public record. These documents will show I have done everything that is required of me to dispute and have this false information deleted from my report. Equifax 's refusal violates the fair process to consumers and my civil liabilities. I am including my current driver 's license and social card so that they do not just send a response that I did not provide enough information for them to verify and validate that the complaint was coming from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It may concern, There is inaccurate information on equifax and other credit reported the following address I have never been associated with == XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX I had called a while back for this to be removed and was told it would be. unsure as to why this in accurate information there.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 which stated I have the right to privacy.

15 USC 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : ONEMAIN XXXX XXXX Dear XXXX XXXX : Please remove the bankruptcy notation from this account. I filed for bankruptcy to stop the foreclosure of my home. I did not include this OneMain account in my bankruptcy. I dismissed the bankruptcy soon after I filed it. 

I do not believe this account should be reported on my report because I did not open it up. But even if the account did belong to me, the balance is incorrect. Although the collateral ( automobile/vehicle ) securing this loan has been given to OneMain, there has been no credit to the balance. Please reduce the balance by the value of the collateral that has been returned to OneMain. 

Yours truly, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit ran today XX/XX/2021 because I am trying to purchase a car but I was not approved for the auto loan because they said there were 2 accounts reflecting badly on my credit report. I was confused when they told me this because I know for a fact I do not have any bad accounts under my name. One account is from a company called XXXX XXXX and the other one is from XXXX XXXX XXXX. Neither of these accounts belong to me ; I didn't open them and I did not give anyone permission to open them on my behalf using my personal information such as my name, date of birth, address or social security number. I don't know who is responsible for these accounts but I did not benefit anything from these accounts. I also do not have any sort of written or verbal contract with either of those companies and I did not allow them to run or access my credit information. I have already filed a police report regarding these suspicious accounts.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error resulting in damage to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a state lien in the amount of XXXX that had been released and removed from my Credit Reports because it was paid and everything. It was removed from all XXXX credit reporting bureaus. It was removed sometime back in XXXX XXXX. Upon going to check into my scoring and accounts the week of XXXX XXXX, XXXX I discovered that Equifax had placed this back onto my credit file without my knowledge. They are the only bureau to do this. I immediately called Equifax to discuss disputing this since it had been prior removed and a dispute was placed by an agent there. I do not believe it was done correctly though as he was not entering in all of the information that I was trying to tell him. I received the " result '' of the said dispute today and absolutely nothing has been done to this account. This is rendering me as even though it has been paid, it still gave me a big hit being placed back onto my credit without my knowledge. I do not find that this is even legal to do this, especially when the other reporting agencies are not reporting it and I have paid all of my debt to this a long time ago.
Product: Mortgage

XXXX XX/XX/XXXX Carrington Mortgage Services LLC received our {$1500.00} XXXX XX/XX/XXXX payment as our Bank XXXX would send Mortgage checks to Carrington 3 days prior to my payday. Carrington said they DO NOT carry forward any payments. Later in XXXX my credit report took a large hit for a missed payment of XXXX XX/XX/XXXX. XXXX 's payment was received by Carrington XXXX XX/XX/XXXX. Now the Delinquency Notices started XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Then came the letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each letter stated Our records do not show receipt your payment. The Spreed sheet from Carrington 's  website tells the truth. They lied about XXXX 's payment to the credit agencies ... In XXXX I requested and AUDIT of our loan. I submitted 25 Months of records of payments to carrington. XX/XX/XXXX to XX/XX/XXXX. My evidence showed all on time payments, XX/XX/XXXX the AUDIT concurred with my findings. Yet harassing phone calls and mails continue. No one understands the audit. Last week I faxed proof of on time payments for XXXX and XXXX. My Wife and I are insulted by Carringtons ignorance to the law. Today the harassment continues
Product: Checking or savings account

I have direct deposit with cashapp and they without my knowledge whatsoever changed my account number before my next deposit therfore my paycheck was never deposited to my account.Someone changed without my authorization this a fraudulent act and theft of money that I have worked hard for.Ive contacted them several times but they say this happened ( for no particular reason ) That is an unacceptable answer PERIOD.They flat changed my number without any admissions.I have proof of my XXXX and I also have proof of changed account numbers.They refuse to accept or honor thier responsibility to this XXXX ask that you please take care of this they will not help me at all.They are under many lawsuits at this time because of transparency, failure to look into people 's fraudulent complaints.Totally unacceptable as a company stealing people 's hard earned money.I will refer this matter to the XXXX XXXX XXXX no outcome.ty
Product: Checking or savings account

On XX/XX/2018 I went to the bank I have a account with checking, and savings I used the bank ATM machine to make a deposit a check a friend written to me for working for her the bank did not make the funds from the check {$350.00} available to me they put the check on hold and my account was negative {$360.00} on XX/XX/2018 I went to the bank and used the ATM and deposit 3 cash deposits for {$130.00} {$95.00} {$95.00} to cover the negative balance of {$360.00} because the bank did not make the check deposit for {$350.00} available in my checking account and the bank put a hold on my account I called the bank and tried to resolve the issue they was very rude, and nasty to me the bank have a hold on my account it is not fair because I did deposit cash in my account to pay the negative balance of {$360.00} and they have restricted my account.
Product: Credit reporting or other personal consumer reports

I have contacted the companies and the credit reporting agencies about these inquiries that I did not recognize and they refuse to remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

MR. COOPER MORTGAGE COMPANY RECEIVED FUNDS FROM INDIANA HAF PROGRAM ON MY BEHALF STARTING IN XX/XX/2022 AND SHOULD HAVE APPLIED 8 TOTAL PAYMENTS TO MY ACCOUNT, THEY HAVE SAT ON THE PAYMENTS PUTTING THEM IN SUSPENSE FUNDS AND NOT APPLYING ALL PAYMENTS TO MY ACCOUNT IN A TIMELY MATTER. NOW MY ACCOUNT AND PAYMENTS APPEAR LATE AND THEY ARE STILL SITTING ON 2-4 PAYMENTS TO MY ACCOUNT. THEY REFUSE TO PROVIDE THE NECESSARY DOCUMENTATION TO THE HAF LENDER PROGRAM STATING THEY RECEIVED THE PAYMENTS. THEY SAT ON ONE PAYMENT FOR 2 MONTHS APPLIED IT XXXX RECEIVED IT XX/XX/XXXX FOR MY XXXX MONTHLY PAYMENT. I HAVE EMAILED, CALLED, TEXT, SENT MESSAGES AND HAVE NOT RECEIVED AN APPROPRIATE RESPONSE FROM THEIR RESEARCH AND RESOLUTION DEPARTMENT. CUSTOMER SERVICE REPRESENTATIVES CAN NOT HELP ME. THEY ARE PROVIDING ME UNNECESSARY STRESS IN THIS MATTER AS I AM ULTIMATELY RESPONSIBLE FOR PAYING FOR THE LOAN I RECEIVED FROM HAF. THEY ARE NOT APPLYING FUNDS ACCORDING TO THEIR AGREEMENT. **FURTHER DETAILED INFORMATION INCLUDING DATES, NAMES, CORRESPONDENCES ALL INCLUDED IN THE ATTACHED DOCUMENT***