23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/2019 i spoke with a Ms.XXXX XXXX because i received a call at work that i may have to leave work to take my mother to the hospital. i gave her a call and she was upset saying that she had received a call from Fay Services that they had foreclosed on her home and she had to send them XXXX a year for Escrow and as well as insurance. 
But the thing is that the house is paid for and has been for the 35+ years. this is not the first time that Fay Services has gotten monies from my Mother she sent them monies before with them saying that her or my now deceased father had took out a loan from XXXX? i asked her and she said it never happen. 
moving forward i spoke to Ms. XXXX and was told that my mother had a mortgage i let her know that the house was paid off 30+ years ago she then said she had to put me on hold .after about 20 minutes she came back and said that it was for insurance i then inform her that it was a fire at the house and there was no insurance on the house until it was remodel she then said something about a " lean Policy " i asked her what did we need in order to straighten this matter up and she told me to send the documents i asked what documents and to either send me a email or a fax to my office and was told that in order to send a " Email '' it would involved getting it approved by the Government..Red flag ..i said how can i send the documents that you want if you can't tell me what it is that i should send, i then aske if it was a office that we could meet at eithe in the XXXX  area or surrounding area and the answer was no .i then looked up FAY SERVICES and found that it was numerous complaints on then so now i'm reaching out to your agency for help thanks XXXX XXXX as you can see in the doc it don't say documents its for i'm confuse
Product: Mortgage

Mortgage was bought by XXXX. The loan is in my son- in -laws name, but I pay it. To contact these people, I have to have his social security number I dont have that. For XXXX years, they have had to refund me after they paid the escrow. So, they lowered my monthly payment by {$70.00} per month. What could possibly go wrong with that? Well, apparently, they didnt bother to manage the loan as they came up short by over {$1200.00}. They notified me and expected the full amount or, an increase in monthly payments of about {$270.00}. XXXX XXXX and on a fixed income. So, XXXX looking for a new home and intended to pay the full amount at closing. However, they have given this to a collection agency. This whole affair is their gross negligence error not mine!
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address.

A copy of my Social Security Number.

5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Check deposited by electronic means for {$15000.00} by a third party. Check was fraudulent and returned but bank has frozen my account pending closure because they said it was not Fraud. USAA will not close the account nor let me use the account. I had nothing to do with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the companies below ran hard inquiries using my credit report without my authorization XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX 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 XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian requesting verification of specific items on my credit report. Experian received my letter ( sent certified ) on XX/XX/22. As of today, XX/XX/22, I have not heard from Experian listing results from their investigation.
Product: Debt collection

I recieved a letter from a law firm : Linebarger Goggan Blair & Sampson LLP that they were representing the City of XXXX, TX. I stated that I owe XXXX to the City of XXXX, TX. I have never been to XXXX, TX in my life. I have no idea to where the city is even located. They treated to have me arrested. 

I researched the company and they have a 97 % negative comment ratio on their profile with the XXXX. This is a scam and these are absolutely false allogations. I will not stand for this from any business. Like I stated earlier, I have never heard of XXXX, TX more less been there. 

I am will file a lawsuit against the collection agency for a violation of the FDCPA if the false claims against me are not dropped and /or if they contact me again in any way. I also have contacted my state attorney general and the Federal Trade Commission to complain about the false claims made against you by the collection agency. 

XXXX XXXX
Product: Debt collection

1.I have never had an account with this company DYNAMIC RECOVERY SOLUT XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are DYNAMIC RECOVERY SOLUT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Debt collection

I AM AGENT AND NAME HOLDER AND RECEIVER FOR XXXX XXXX XXXX AUTHORIZED TO MAKE THIS COMPLAINT IN GOOD FAITH FOR TRUTH IN COMMERCE AND EQUITY. THE TRUTH IS NFCU IS IN DISHONOR. REPORTING AND MAKING FALSE CLAIME SOLEY TO STEAL. NFCU IS STEALING AND NOT CREDITING ACCOUNT. NFCU IS BLOCKING TENDERS AND IS IN FACT COMMITTING SECURITY FRAUD AND ESTATE THEFT. NFCU HAS STOLEN MY IDENTITY AND USED IT FOR OWN BENEFIT. NFCU HAS USED MY INFORMATION FOR PRIVATE PROFIT AND GAIN. NFCU STOLE MY APPLICATION AND DID NOT GIVE ANY CONSIDERATION FOR THE APPLICATION. NFCU STOLE MY PROMISSORY NOTE AND DID NOT GIVE A CASH EQUIVALENTS. NFCU DID NOT LOAN ANY MONEY AND IS SCAMMING ITS CUSTOMERS. CFPB IS CONSPIRING WITH NFCU TO GET OVER ON CUSTOMERS. CFPB DOES IN FACT KNOW THE CONSUMER LAWS AND IS ALLOWING CORPORATIONS LIKE NFCU TO COMMIT FRAUD ON THE PEOPLE. HOW CAN YOU KNOW THE LAWS AND ALLOW SOME TO BREAK THEM. THE SAME POWER YOU HAVE TO DO WRONG IS THE SAME POWER YOU HAVE TO DO WHATS RIGHT. TO THREATEN TO STEAL SOME ONE PROPERTY WHEN YOU LOAN XXXX DOLLARS, INVESTED XXXX DOLLARS MADE MILLIONS OFF THE ACCOUNT AND STILL TRY TO STEAL MORE. ITS A CLEAR CONSPIRACY TO ENSLAVE THE PEOPLE. DO YOU CARE CFPB? 
Father, we thank you that we can decree a thing and it shall be established. In the name of XXXX, we join our faith and declare that we are debt-free miraculously in seven days! We declare that the spirit of debt is destroyed in our lives by the anointing and that all grace ( every favor and earthly blessing ) comes to us in abundance for miracle debt cancellation. We decree that the blessing of XXXX is on us and wealth and riches are in our house. We declare that the wealth of the wicked is being transferred into our hands now and we owe no man anything but love. Father, thank you for a bountiful harvest on the seeds that we have sown. We hold fast to our confession of faith without wavering and declare that the Son of God has made us free from debt miraculously and we are free indeed! In XXXX  Name, Amen! 
All Rights Reserved without prejudice. 

If this gets treated as duplicate, or ignored, or closed without honor shows and proof of conspiracy and proves my point.
Product: Credit card or prepaid card

I made N agreement with us bank card like all other creditors that I was unemployed and I need help and they agreed to allow me to skip the payments of my card till XXXX starting in XXXX and resume on XX/XX/XXXX and they removed all late, so what they did is they diminished my credit limit to a minimum to force the card to be maxed out of limit and when I called them they said that now, that they agreed to remove all late fees but that they never agreed to allow me to skip those 2 months, there for I lose and my credit rating will drop cause it shows one card account that is maxed out when I was under 50 % on my credit line
Product: Credit reporting

I am currently in the process of purchasing a house in New Hampshire, I was told a few months back to try to dispute any inaccurately reported accounts on my credit report to help improve my scores prior to locking in a rate. The on-line dispute section of the major credit agencies was very confusing and difficult to navigate and as a result of my challenges I inadvertently disputed a short sale ( an account that closed in XX/XX/XXXX ) I contacted the credit agencies of my error and that I wanted to retract my dispute but a report from the creditor had already been made. I was told that I needed to contact the creditor and have them correct the " last reported '' as XX/XX/XXXX as the " last reported '' date now shows XX/XX/XXXX. The repercussions of this last reported date is major, what resulted is that when my loan goes to electronic underwriting through XXXX, the software THINKS that since this was report in XX/XX/XXXX that I 'm " CURRENTLY IN FORECLOSE '', and subsequently disapproving my loan. Under the instruction of the credit agency XXXX & Experian I contacted the creditor XXXX to get help to resolve this mistake. XXXX was more than willing to help and was understanding of this error. Their credit corrections department called to the highest level at XXXX and Experian & XXXX and tried to electronically change that " last reported '' date to reflect XX/XX/XXXX, they even went so far as to supply me with a letter that reads " The " last reported date of XXXX is an update that was requested in error. There has been no activity on this loan since it closed in XX/XX/XXXX '' signed by XXXX XXXX XXXX of the President XXXX. Here is what XXXX was told by XXXX " they explained to me that it could n't be removed ( embedded software programming ) ''. I also reached out to XXXX by phone and fax and to Experian by phone spending hours on hold and explaining my situation to several managers at various levels, ultimately at the end of those calls and faxes, I was told by both XXXX & Experian despite the creditors letter, their calls, my calls, my faxes, that they are refusing or " unable '' to change that last reported date to XX/XX/XXXX. Without this correction my family of XXXX kids are going to be effectively homeless if this change is not facilitated by the XXXX credit bureaus to reflect the last report date of XX/XX/XXXX. My loan flatly will not be approved without this correction. I am happy to supply the letter from the creditor XXXX and provide contact information for XXXX XXXX at XXXX. Respectfully, I would ask you please, please help me to get this resolved as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CALLTHE COMPANY TOLD THEY THIS ACCOUNT DOSENT BELONG TO ME EVEN EMAIL AND DISPUTE THIS ACCOUNT
Product: Debt collection

This is a complaint from XXXX XXXX against Transworld Systems Inc for Transworlds failure to provide requested information for the debt alleged. Consumer has received multiple demand letters and phone calls from Transworld regarding a debt that he does not recognize. Consumer is an XXXX XXXX with a XXXX XXXX XXXX and XXXX, and this matter has been causing an immense amount of stress. Because of this, consumer sought legal counsel for the matter. On XX/XX/2019, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
The letter requested that Transworld respond within 15 days in order to start resolving the matter in an expedient fashion to mitigate further aggravation of consumers illness. It has been over 21 since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXXXXXX. I am a victim of identity theft. These accounts are fraudulent.
Product: Debt collection

I received a telephone call from XXXX XXXX XXXX XXXX XXXX on XX/XX/2018 informing me that I had a debt with them in the amount of {$1700.00}. I am unaware of signing any type of agreement or owing XXXX XXXX XXXX XXXX XXXX any debt. Therefore, on XX/XX/2018 I mailed XXXX XXXX XXXX, XXXX a validation letter describing all the information I was requesting for said debt. The certified letter was received by Midland onXX/XX/2018. I then received a generic letter asking what information I was requesting. As you will see the request for information is clearly stated in the original letter I sent them dated XX/XX/2018. The company also included a statement from XXXX XXXX XXXX. Due to the fraudulent practices of XXXX XXXX XXXX I do not know that this is truly a debt of mine that is due to them. I checked my credit report today XX/XX/2018 and they have a derogatory account on my record. I would like this to be removed if they can not provide me the validation of this debt. I have no proof this is legitimate. I also requested in the validation letter that any bad marks be removed from my credit report. I greatly appreciate your assistance with this matter. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account 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 a account without my written instructions
Product: Credit reporting

In XXXX 2016, I was made aware through credit reports and an application for a PLUS loan that my personal information was fraudulently used to get student loans ( XXXX, XXXX XXXX ) without my knowledge or consent. I reported that I am a victim of identity theft. I informed then that the information below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. The following accounts appear as a result of identity theft. 
XXXX XXXX XXXX-student loan account number unknown XXXX- student loan account number unknown CALIFORNIA FEDERAL COURT XXXX COUNTY/RECORDER OF DEEDS I also requested Experian to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act within 4 business days, and send the required notifications to all furnishers of this information. Also, please place an Extended Credit Report Freeze on my report which will require creditors to contact me via phone number on my report. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are highlighted in yellow. 
A copy of my Identity Theft Report Proof of my identity-CA Driver 's license A copy of section 605B of the Fair Credit Reporting Act, which requires XXXX to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Experian informed me on XXXX XXXX, 2016 of the dispute results and that they are waiting 30 days for the Companies to respond. Experian did not acknowledge nor process my request to BLOCK the information within 4 business days as required by law ( section 605B of the Fair Credit Reporting Act ).