23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Product: Credit reporting or other personal consumer reports

My credit reports never showed my mortgage ( transferred/purchased XX/XX/XXXX ). The original lender was Gateway Mortgage. I filed a bankruptcy in about XXXX. I filed a reaffirmation agreement with the court and Gateway Mortgage. 

On XX/XX/XXXX I called the Gateway customer service line and was transferred to another department dealing with credit reporting. I was told that they would not do anything about my complaint until I contacted all the major credit reporting bureaus and filed a complaint with them. 

I contacted CFPB and attached the reaffirmation agreement. ( FYI, the other mortgage companies which serviced my loan gave me instructions on how to file the complaint with their company and said they would then research it and take care of the results )
Product: Credit reporting or other personal consumer reports

I've been a victim of a data breach and my identity was stolen. I've submitted several request to remove and provided with FTC.GOV report.
Product: Credit reporting or other personal consumer reports

Someone went onto a credit builder site by credit karma and created an account and added accounts that do not belong to me onto my credit report, the credit reporting agency will not allow me to file a dispute online of which is the purpose of my online account. Please delete the following from my credit report Bankruptcy chapter from XXXX, equifax and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, Equifax and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, Equifax and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/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 or other personal consumer reports

I have identified accounts on my credit report which are not mine and i believe were opened using all or part of my personal identifying information. I have contacted the creditors in question in writing and requested resolution. I was advised to request a fraud alert be placed on my credit reports as well as file a report with the Federal Trade Commission which is attached. 

The accounts are : XXXX XXXX - acct ending XXXX XXXX XXXX XXXX  acct ending XXXX Inquires appear that I did not request are : XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the continued presence of fraudulent items on my credit report despite multiple attempts to follow up on their removal. 

This communication marks the numerous follow-up attempt regarding the fraudulent items on my credit report with your agency. Despite submitting disputes and providing supporting documentation on multiple occasions, these fraudulent accounts persist, and my previous follow-up attempts have not resulted in their removal. 

I demand that your agency conducts a thorough review of my dispute and takes immediate action to remove the fraudulent items from my credit report. Additionally, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 ; 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 or credit management

I started a contract with XXXX XXXX XXXX XXXX XXXX who is a partner with Strategic Financial Solutions , LLC. This contract stated that this company would negotiate on my behalf to reach debt settlement with my creditors. While this is taking place, I am depositing a set monthly amount into a third party account managed by XXXX. I received an email by XXXX XXXX XXXX XXXX, XXXX stating that they are subject to a court order to which they can not negotiate debt settlements. Since they are no longer engaging in negotiations with my creditors against the terms of our contract, I would like a refund and a withdrawal from their services. However, I have not been able to reach them at their stated phone number of XXXX XXXX XXXX XXXX to request this refund and withdrawal.
Product: Mortgage

My taxes are escrowed, it's roughly just over {$3000.00} annual, they were paid for year but they first said it's a quarterly payment of that, so I tried correcting them with evidence from town receipt. But it escalated and there staying in short, my mortgage payment went from around {$1000.00} to {$2000.00}. Everything is via email and can not talk to a person about confusion it just has gotten worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive never got a notification in the mail after 5 business days saying that this matter with XXXX # XXXX was being disputed and investigated so what that means according to 15 U.S C 1681 ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested that TransUnion remove incorrect names, addresses, and employers from my credit report, providing proper documentation, but they have not complied. Incorrect information includes Addresses XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Name : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per the Fair Credit Reporting Act ( FCRA ), Sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), TransUnion is required to investigate and correct inaccuracies, which they have failed to do. I request FTC assistance to ensure compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX-Account number XXXX, XXXX XXXXXXXX XXXX- Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXAccount Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has Violate 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 or other personal consumer reports

I have submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay. It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing significant distress. I trust that you will prioritize this issue and resolve it in a timely manner.
Product: Student loan

Im currently a single mother working full time. When I was XXXX years old back in XXXX I applied for college. Because my parents werent going to help me pay for it I planned on just taking a few courses and paying them as I go. When my father and I went to interview with school they informed us of applying instead for student loans. They pushed Sallie Mae ( Navient ) and a variable interest rate with a deferred graduation payback plan. While I was in school I got horribly sick in XXXX. I had to drop out because I was sent to XXXX  for XXXX  XXXX. The school didnt tell me that I would have to pay back every dime I borrowed as soon as I dropped out. So Sallie Mae suggested deferment they informed me that it wouldnt change my payments and that was however false. As soon as I deferred them my payments jumped XXXX more a month and at the time they were XXXX a month. In XXXX I had a short period where I didnt have a job and I started more schooling after moving to Pennsylvania so I contacted Sallie Mae ( Navient ) and they again suggested deferment because they would not work with me on income repayment plans and told me this was the only option other than badgering my family members for money handouts or they would send me to collections. The representatives were extremely rude and didnt offer anything except those options. So again my interest rate jumped after deferment and my payments this time increased to XXXX a month. I continued to pay on it and as they economy fluctuated so did my interest rate. Not only did the representative from Navient not inform my father and I back in XXXX when we signed up that a variable interest rate would always go up and never go down but they also didnt inform us that there was no cap to how high your interest rate could go. It started at 4.9 % interest back in XXXX which I was told was great. And in XXXX when I found out I was XXXX  with my son being a single mother with a full time job and a XXXX  XXXX  I had no choice but to defer my loans again because they would not assist me in any way and offered no help. So when I finished my XXXX  leave 3 months after deferment of my loans for the last time my interest rate jumped to 11 % and my payments jumped to XXXX a month! So not only did I have a XXXX  XXXX  to care for and pay for but I also had a very high monthly payment that I couldnt afford. Once I had finally had enough of Sallie Mae ( Navient ) I consolidated my loans with XXXX XXXX but Sallie Mae continued to charge me for 2 months even after XXXX XXXX paid them off. They threatened collections and I officially had enough of them. Be warned Sallie Mae ( Navient ) does not care about your well being and will take every dime you make.
Product: Debt collection

XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law are debt collectors attempting to collect 3 ( three ) unverified debts of {$490.00}, {$1300.00}, and {$1900.00} on behalf of XXXX XXXX XXXX. 
XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law flagged my credit files on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022. ( See attachments ) I have not received any good or services from XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law. I am not a party to their agreement with XXXX XXXX XXXX, I have not agreed to pay/ tender anything to XXXX XXXX XXXX and associates XXXX Law Offices MBA, or MBA Law. 
I have not provided any releases of my medical records to XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law and I have no idea how XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law received my private information. 
I have not received any documentation from XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law to allow them to verify the accuracy of their data before placing their accounts with the credit bureaus for collection. 
According to XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Laws website ( https : //www.law-mba.com/ ) in the blue section labeled XXXX XXXX letters I was not honorably granted the opportunity, to dispute their debt via mail instead, my credit file was flagged for collection. This proves XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law do not honor their alleged clients wishes as it is displayed on their website. ( See attachments ) As per the Better Business Bureau : XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law do not have my permission to contact me by phone. I accept mail only. My address has been provided on their notice via XXXX Mail XXXX. : EJ XXXX XXXX XXXX XXXX.
Product: Debt collection

I have given this collector more than sufficient opportunity to provide validation of debt and have yet to receive any validation. I sent a formal letter to the collector in XXXX and didn't recieve validation. I filed a complaint on XX/XX/XXXX with the CFPB and the collector didn't respond until XX/XX/XXXX. They claimed they sent validation via postal mail that day but nothing was received. I asked for the collector to confirm the following and they didn't provide any of it nor have they ceased reporting the supposed debt : -- Please provide a breakdown of fees including any collection costs and medical charges -- Provide a copy of my signature with the provider of service to release my medical information to your company or any individuals within the company. -- Cease any credit bureau reporting until debt has been validated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following accounts by mail and online with each of the bureaus. Still, none of these bureaus are reporting the disputed accounts accurately. Furthermore, addresses that do no belong to me are reflected on my reports and must be removed. 

XXXX XXXX XXXX XXXX This account was paid in full, yet Experian is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau XXXX  says XX/XX/XXXX, XXXX says XX/XX/XXXX Experian says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX XXXX XXXX This account was paid in full, yet Experian is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau XXXX says XX/XX/XXXX, XXXX  says XX/XX/XXXX and Experian says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX monthly payment amount, term, payment status and date last active are contradictory and inaccurate. How can each bureau be reporting completely variable information if they claim the information was verified? 

XXXX  XXXX account status, monthly payment, terms, payment status, comments and date last active are completely different from each other, again, inaccurate and misleading. 

According to Fair credit reporting act, the reports should be 100 % accurate and if not, the inaccurate information must be removed. I have attempted to resolve these issues with each bureau who FAILED to comply with the law.
Product: Prepaid card

I contacted the customer service department when I was unable to get the card to work and was told they had put a fraud lock on the card. I was directed to go to their website and submit my ID and a selfie. when I attempted to submit my ID the system denied it because it was expired. I called back and explained the situation and was told to send it in via U.S. mail I informed them I couldn't wait that long. I asked to speak with a supervisor and after going through the same discussion was told there was no other option. I then requested to speak with the next level supervisor to witch I was told they don't take customer calls but if I wanted one could call me back within 48 hours. They called back and I was unable to take the call. I called back and was told they couldn't transfer my call to the person who had called me. Attempted to request a supervisor again had to go through the same process and when I tried to speak to the lady she was rude and condescending. I tried calling back and was told I could submit my temporary license so I attempted to and the system denied it because it didn't have a photo. I then tried researching the bank and found this was their MO and that they have been Fined by the CFPB in the past for the practice.
Product: Mortgage

I've tried to communicate with Mr. Cooper ( Nationstar ) since 2018, regarding a mortgage on my residential property. I was assigned resolution specialist XXXX XXXX. 

From XXXX, I've requested mortgage statements throughout, never received. 

In XX/XX/XXXX, I requested forms for a loan assumption, never received. I repeatedly inquired as to the status of these forms, and was referred to the " Research '' department. Over three months, the department never responded, even though XXXX was cc 'd on every email. 

In XX/XX/XXXX, I re-requested forms for the loan assumption using the enclosed letter. These were provided by XXXX. 

In XX/XX/XXXX, I was referred to the " Subordination '' department. I requested a response immediately, which I did not receive. As promised, I am now filing a formal complaint against Mr. Cooper.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX XXXX XXXX  This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. 

Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Informed business where the account was opened that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : 1. Identity Theft Report ; 2. Proof of identity ; 3. CFPB 's Notice to Furnishers of Information [ PDF
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Bank account or service

I purchased a " lifetime subscription '' to XXXX XXXX XXXX XXXX XXXX ( XXXX company ). The transaction ( lump sum of {$15000.00} ) was made thru my XXXX Credit Card held in my Bank of America Bank account. The funds were paid out from cash held in my account around XXXX XXXX. By XXXX XXXX, I decided that I had made a huge mistake. I did not use any of XXXX XXXX services at any time. I notified the bank right away and asked them to cancel the purchase. They informed me of their policy which included that I could try to cancel the purchase but the seller had the right to present evidence of information which would allow them to keep the funds and force the sale. They were given 60 days to make their case. The process continued for the full allowed time. Near the end of that period the funds were nominally moved back to my account list with Bank of America and I had the mistaken belief that the long painful battle was over. I could not have been more wrong. I learned from XXXX of the many bank employees that the resolution had been made in favor of the sellers and I should have been sent a copy of it. Days later, I got a copy of it by mail. 
A few days ago, I received even worse news!! Even though I have already lost the XXXX XXXX dollars to the seller, the bank has structured things in such a manner that I will be forced to pay twice!! The bank claims that the {$15000.00} they passed on to XXXX is beyond their reach and there is nothing they can do about it. They claim I owe the bank {$15000.00} and they are more than comfortable to make me pay twice. The bank notified me that next month they will start charging me monthly interest and principal payments to repay the funds to the new phantom " XXXX '' " income fund '' sitting on my bank account screen and I am only allowed to " look but not touch '. Go figure!! I am XXXX XXXX XXXX with XXXX XXXX. This horrible ordeal has produced a tremendous amount of stress.