23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt was owned by a previous debt collection company known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I was sent a letter claiming a debt of a different amount from the following company was owed by the same original debtor with the same account number. I requested further documentation such as a full account summary and the original contract with signature not only did they not respond within 30 days. But when I finally received communication they had sold my information WITHOUT my consent and were were not able to produce any valid documentation as well as stated this collection account is and never was in there system. This debt was then disputed. XXXX Report Number XXXX Date : XX/XX/22 My information was then sold to And purchased by Frontline Asset Strategies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Frontline Asset Strategies is in violation of 15 U.S.C 1692g, 15 U.S.C 1692e misrepresenting the amount owed, possessing my sensitive information without my consent, and have not been able to produce a license number to confirm they are legally able to collect such debt. 

Upon sending them a letter to validate the debt by requesting the original contract with my signature and the full account history they were not able to provide this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently completed a dispute with the credit bureaus. Despite disputing the negative information with the credit reporting agencies, the inaccuracies persist. I request your assistance in investigating and rectifying the inaccurate information. Ensuring compliance with the Fair Credit Reporting Act ( FCRA ), and holding the credit reporting agencies accountable. I've disputed the inaccurate account labeled : XXXX XXXX XXXX XXXX I contacted the collection agency through CFPB concerning this account. However, the collection agency could not provide me with the date of first delinquency which was disputed with the credit bureaus. Which also determines when this account should be removed from my credit profile. XXXX XXXX XXXX XXXX XXXX ) provided documentation which shows inconsistent information furnished to the bureaus. Also, the open date information that's been furnished to the credit reporting agencies are erroneous. 

Listed in the attached image shows that this debt was purchased on XX/XX/2021. It does not give a date for the opening of this account on my credit profile. In addition, this account could not be opened on my credit profile by this collection agency before it was purchased from XXXX. Therefore it's inaccurate. XXXX is using the original creditor 's open date which is inaccurate. It is a collections account. This information was disputed as inaccurate and still it remains on my credit profile. It's a violation of 15 U.S.C. 1681e ( b ) - Accuracy of Information and also a violation of 15 U.S.C. 1681i - Investigation of Disputed Information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a collection account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXon XX/XX/XXXX under the account number XX/XX/XXXXXXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XX/XX/XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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: Mortgage

I telephone XXXX XXXX and asked an attorney to review my reconveyances and why am I still paying on a loan. They reviewed the documents and stated the property is clear no outstanding loan pending. 
On XX/XX/XXXX I wrote to Select Portfolio Servicing , Inc . 
XXXX  XXXX XXXX, XXXX XXXX XXXX, UT XXXX requesting reconciling my accounts they are servicing because the attach reconveyances are Full Reconveyances and there is no pending loan on my property. They denied this and provided documents of a loan number that is not mine. 
I contacted XXXX XXXX again and they informed them of their status and XXXX XXXX sent them a letter to cease and discease colletion. XX/XX/XXXX they are still sending payment coupons ( upon which I have allowed my payment to laspe one month until this is cleared ). Present mortgage payment are XXXX {$490.00} and XXXX XXXX. 
XXXX I paid an real estate attorney {$5000.00} to help in my not owing anything on the property without success. I was referred by XXXX XXXX to another attorney this year XXXX and brought my payment which he returned because he said he could not help me. I was referred to a third attorney for him to file for a clear title but he stated I need to provide him proof by bank statement ( XXXX XXXX XXXX, XXXX ) or check showing I paid the amount. I have letters from XXXX indicating thank you for paying off your home loan. I visited XXXX Bank and requested that they provide me with XXXX statement but they indicated they were not able to provide this because bank records are destroyed in seven years.

I receive advertisement from financial institutions ( 2 ) this year ( XXXX ) indicating they are able to refinance my loan with XXXX of {$240000.00} and {$45000.00}. I call them back and advised that this loan has been paid and I do not want to see your name on my credit report. I asked how did you get this information and response was this is in your history on this property. 
I went to XXXX XXXX XXXX County Registrar Recorder office and this is in my history under account numbers I never saw. 
I reviewed my paperwork and found that XXXX transferred my loan for servicing to XXXX XXXX XXXX who had the account numbers on their first letter for payment under their company and during their servicing my loan they changed the number and never cleared the number of the loan. XX/XX/XXXX I wrote XXXX requesting them to clear this erroneous information from my property and the letter returned undeliverable. 
XX/XX/XXXX I need help in obtain the XXXX statement showing my payment of this property which then the 3rd attorney will take my case.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has recently raised concerns about Equifaxs failure to properly investigate consumer disputes. In fact, a lawsuit has been filed alleging that Equifax has violated consumer protection laws by not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ).

As per federal regulations ( 15 U.S.C. 1681i ), Equifax is required to conduct a full reinvestigation of disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Failing to do so is a direct violation of federal law.

I am disputing the following negative entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Even after multiple disputes and my submission of all required documentation, these items remain unverified. This inaction has caused me financial harm and unnecessary stress. 

I have a right under the FCRA to an accurate credit report. Please take the necessary steps to resolve this matter immediately.
Product: Mortgage

I contacted Loan Depot by phone on XXXX to question interest adjustment based on early payments. 

Only first names are provided by representatives. I spoke with XXXX and was told that someone would call me regarding my concerns. 

I heard nothing back & on XXXX I tried again and after waiting for some time the call was dropped. I was unable to try again as I have to make contact before work. 

On XXXX I called again & again after a wait of over 15 minutes my call was dropped. I did call again and finally reached XXXX ( a? ). I explained the promise of a follow up to my concerns by Loan Depot back on XXXX & that I had not received a call or email. I also told her of the dropped calls issue. She was able to get her supervisor XXXX XXXX to look at my file. She also apologized for the difficulty I had experienced. She told me that her supervisor would look at this immediately. He did. 
I was told that XXXX XXXX reviewed my file & that I had been credited properly. I was not given the opportunity to speak to XXXX XXXX directly. 

I put to together an excel spread sheet so that I could track my concerns with anyone at Loan Depot. I called again on XXXX. I asked for XXXX XXXX but was told that he would not be available for a couple of hours. I spoke with XXXX who told me that she would submit a research request. About a hour later a phone message was left by XXXX XXXX telling me that the additional payments that I had made were applied to principal balance and that I could call back if I had ay other questions. 

I called back 25 minutes later. I was able to speak with XXXX ( not XXXX XXXX ). 
I explained that I need to talk with someone who could review this with me and resolve interest calculation and proper application of funds to principal. He told me that there was no one that does this. I told him that this made no sense and that the only alternative that I was left with was to file a complaint with the Consumer Financial Protection Bureau. He said that he hoped that I wouldn't do that. I asked if there was someone else I could speak with to resolve my concerns and was told no.
Product: Student loan

I mailed in my Public Service Loan Forgiveness forms at the beginning of XXXX. However, when I try to see my status on MOHELA 's website, it says my account does not exist. I try to create a new account and it says that they do not have anything in the system. Yesterday, XX/XX/XXXX, I tried to call MOHELA 's customer service to speak with a representative about it, especially since the deadline for submitting paperwork was on Monday, XX/XX/XXXX. I was on hold for two hours before I spoke with a single person. She mentioned to me that she was new. I told her my information only for her to tell me that she did not have it in the system ( which I already knew via the website ) and that she who was going to transfer me to another department to see about my paperwork. After waiting for 6 hours to speak to someone, I finally decided to give up. I have read stories about MOHELA not having enough agents to work. While I understand that, I do not believe that it is fair for those who are trying to simply talk with someone about their account. It should not be this difficult for us to talk to someone. I know that I am not the only one with this frustration, especially when there is a deadline in the midst. I understand how many of us are trying to get the loan forgiveness, but this is simply ridiculous. Something must be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating my FCRA rights. I have submitted several disputes on some fraudulent accounts on my credit file, and they keep on not doing their jobs properly. I requested for Experian to delete these fraudulent accounts XXXX XXXX XXXX Account number XXXX Recent balance {$11000.00} as of Account name XXXX & XXXX Account number XXXX .... 
Recent balance Not reported XXXX & XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Account name XXXX XXXX Account number XXXX .... 
Recent balance {$590.00} as of XX/XX/XXXX XXXX XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$1400.00} as of XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX .... 

And I was told that these accounts are verified as accurate. I did dispute these accounts directly with the companies and i received a letter saying they are investigating, and I should hear them soon, but somehow the credit betray has already concluded their investigation, and are verifying as accurate. I am using my FCRA section 609 rights to ask for original signed contracts with these accounts, because I know I did not sign a contract with any of these companies. I have mailed a letter regarding this concern to Experian already, and I am uploading the copies on here as proof.

These are fraudulent accounts, I XXXX XXXX did not sign any contracts with these companies. I would a fair, and proper investigation done and these accounts deleted right away. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised i am also requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax due to its failure to maintain accurate and verifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2. 

I previously disputed the XXXX XXXX account with Equifax, citing inaccurate and inconsistent reporting across the major credit bureaus. XXXX has already deleted this account, demonstrating that it was unverifiable. Despite this, Equifax continues to report the account as Paid Collection with Late XXXX  Days, which conflicts with XXXXXXXX XXXX reporting of the account as a Charge-Off. 

Furthermore, Equifax has failed to provide a detailed description of the investigation procedures conducted, as required under 15 U.S.C. 1681i ( a ) ( XXXX ). Instead, they appear to have relied solely on automated verification systems like XXXX, which do not meet the legal standard established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called the company to dispute the debt and get the address of the correspondence. The person I talked to told me they were a federal agency and that I cant dispute the debt. She refused to give me the address for correspondence and repeatedly called me a liar before I hung up. I paid the collection due to it being a relatively low amount, now the collection agency is refusing to update my report, despite numerous disputes
Product: Credit card or prepaid card

In short, I was scammed by XXXX. I used my Chase Sapphire Reserved credit card to pay for this since it should have consumer productions against fraud. 

The seller sent an incorrect product that is worth {$5.00} to scam {$130.00}. I tried to do a chargeback with Chase because fraud was committed and Chase did NOT look at all the facts and sided with XXXX. The proof is in the XXXX tracking information provided below. I bought a bathtub which is very big and heavy ( XXXX ) as indicated on XXXX  product page and received something totally different. The XXXX tracking information shows that the package I received is XXXX. I'm not sure why Chase sided with XXXX when the tracking information itself shows that I received the WRONG item and XXXX is not willing to work with me for a refund. 


XX/XX/2020 - I purchased a bathtub from XXXX for {$130.00}. The weight of the bathtub in the description of the product page is XXXX kg. XXXX XXXX XXXX? XXXX XX/XX/2020 - I received a package from XXXX but it was not a bathtub. It was a flash light instead. The tracking information from XXXX shows that the weight of the package is XXXX. This is enough proof that the seller sent the wrong item. XXXX XXXX XXXX XXXX XX/XX/2020 - I opened up a dispute with XXXX  requesting for a full refund due to not getting the correct product. 

XX/XX/2020 - XXXX denied the dispute saying that I received that correct item. 

XX/XX/2020 - Requested chargeback with Chase since the seller committed fraud. 

XX/XX/2020 - Chase denied chargeback due to seller providing tracking information that I have received the product. 

XX/XX/2020 - Contacted seller for address to return the product since I did not want a flashlight and am willing to take a partial refund due to frustration in this whole process. Seller is unwilling to provide address for a return for an item.
Product: Credit card

I did not approve this inquiry, nor did I have any conversation with this lender on the given date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have bought a property by owner finance and I can not get them to put mortgage on my credit report. I have paid it on a timely manner for 4 years and still not reported on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my DOB XXXX my SS XXXX, I have some unknown addresses and accounts that are on my credit report. I have never done business with XXXX XXXX XXXX # XXXX, HS XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, I was told to file a report with the FTC and XXXX police for this fraudulent account.
Product: Money transfer, virtual currency, or money service

I have Venmo. They keep delaying my funds on purpose because I call and ask for reps in the USA. I ask for US reps when their reps ( Venmos ) speak their foreign language to me and I dont understand and get frustrated and request someone in the states and they say hold on we will transfer you and then they speak foreign languages and dont transfer me. 

A lot of the foreign call centers think they will be fired when transferring people to a us rep. Also they play childish games like calling me names and when I respond they threaten me and say they dont tolerate language thats abusive. This is also a violation of our right to freedom of speech.

When I ask Venmo they tell me to file a complaint with the CFPB and they say because you at the cfob will protect Venmo from us the customers. Oftentimes they tell us to file with you because they know at Venmo the cfpb will do nothing.

So Im suing both Venmo and the cfpb for fraud.
Product: Credit card or prepaid card

My Citibank AAdvantage credit card was cancelled by Citibank in XX/XX/XXXX, for the stated reason : " Canceled at Customer Request ''. I made no such request, and I only became aware of this through my credit report. The card had been active since XXXX and the payment record was excellent. Due to mail forwarding to my temporary address, a replacement card was not be delivered. I initiated a request in late XXXX or in XX/XX/XXXX for another replacement card to be mailed to the correct address. It also never arrived. The only activity on the card over the last year+ ( due to my inability to receive a valid replacement card ), was the {$50.00} annual fee, which I last remitted in XX/XX/XXXX. 

I filed a dispute with a credit reporting agency concerning this. It was " resolved '', merely restating the account was closed at customer request. Today, XX/XX/XXXX, I contacted Citibank for resolution. That was unsuccessful. I was informed that their " system '' would not allow them to reopen the account, and that I could apply for a new card. 

This seems grossly unfair to me for four reasons. First, I never received a valid replacement card despite my request for such, and their assurance I would receive it. Second, the status of the account, i.e. " Canceled at Customer Request '', is inaccurate. I never made such a request. Third, XXXX month after they canceled my account, I received notice that my annual fee was due, causing me to pay an annual fee for a card I was unable to use for more than a year ( their inability to provide a valid replacement card ), and which had already been canceled without my knowledge a month prior to paying the annual fee. Fourth, opening a new account, as the representative suggested, would mean the loss of over 20 years of credit history for this card.
Product: Debt collection

I settled the debt with a lump sumpayment XXXX direct withdraw from my checking account
Product: Credit reporting or other personal consumer reports

Dear Equifax Corporate, I have been reaching out for some time regarding issues with my credit report, and resolving this has been quite a challenge. While I appreciate that progress has been made, I want to emphasize the importance of this issue and the urgency of fixing it.

My Equifax credit report shows an account from XXXX XXXX  that does not belong to me. This situation is a case of fraud and identity theft. I have previously sent multiple letters to you regarding this matter, requesting the removal of this account from my credit report. I have attached several of those letters from XXXX for your reference, and I hope you can finally remove this invalid account.

This appears to be the last erroneous account on my Equifax credit report. Once it is removed, I will return to a more average credit standing.

Thank you for your time and assistance.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX