23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried to contact the bank of America and no one has gotten back with me and they said I have to pay them it is not fair having identity Theft. My Case number is XXXX and do not think I should pay for this since they have insurance against Fraud and this was not my fault. They said it was..
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA section 605b, I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

some time on or about XX/XX/2019, i request a copy of my experian credit report and find there was 31 inquire from this compant list as XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX Fl.XXXX. 31 inquire that need to be remove. and there is some inaccuarte account list on this report that not mind. the report end in XXXX XXXX XXXX # XXXX never late. and the secons one is the account # XXXX XXXX  account # XXXX this card dose had a late fee on it and never late .card # with XXXX XXXX XXXX   account # XXXX never late. this card with XXXX XXXX # account XXXX this acount never late. hereis the real fact this inquirres XXXX XXXX i have neve apply for a loan at XXXX XXXX there are three inqurir from XXXX XXXX need to be remove,
Product: Consumer Loan

Me and my wife have a auto loan through Consumer Portfolio Services of XXXX CA and they are being rude to us claiming a payment that we asked to be made did not go through but our bank shows the payment never attempted to go through and it was never presented to the bank. 
We also have complaints against CPS for not allowing us to speak to a manager, numerous calls and texts to our cell phones when we never gave them permission to text us. 
Our bank shows the payment never was presented to them, we have not been charged any fees and the money intended to make this payment still remains. 
They are trying to charge us fees for a payment they never presented to the bank and refuse to take a payment unless we pay these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX. 
Company Inquiries XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account previously requesting that the collection agency provide proof of identity as this account does not belong to me. XXXX has removed the account but XXXX  and equifax has not. 

XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX ALL 3 accounts was disputed and below is the tracking information. 

Please remove as I have no knowledge of these accounts and the creditors has yet to provide proof! 

Equifax tracking XXXX XXXX XXXX XXXX XXXX XXXX tracking XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was a victim of identity theft where a party posing as a legitimate company hacked my accounts after I provided info to set up direct deposit. The third party attempted to deposit checks and withdraw funds from the account. I alerted Bank of America immediately to inform them of what happened and was told that everything would be okay since I did not withdraw the funds, the IP address did not match mine and the checks were forged. Bank of America also has access to the security camera where the funds were withdrawn showing it was not me who withdrew the funds. I would like the matter investigated and have the {$600.00} debt removed from my name with Bank of America.
Product: Checking or savings account

Paypal permanently limited my account and never told me why. They said I violated the user agreement, but nothing I did could ever be construed as violating anything in their agreement. At no point have they told me what I did, or why my account was restricted. All I want to do is close my account, but they tell me that I have to wait six months before I can get my money. This should be illegal. I have had no opportunity to dispute what I was accused of because they never told me what I did. How can a company legally steal my money for six months without telling my why. I did nothing wrong and paypal stole my money. They owe me {$620.00} dollars that I deposited and they refuse to give me my money for no reason whatsoever. That is called stealing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the misleading information on these accounts : XXXX BANK XXXX, XXXX BANK XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a charge-off account that has been reported on my credit file Upon reviewing my credit report, I noticed an entry from Experian and XXXX with the amount of {$310.00} which is marked as a charge-off. I believe this information is either inaccurate, incomplete, or unfairly reported and request that it be investigated and corrected or removed. 

Please remove or correct this charge-off entry from my credit report as soon as possible. If the creditor can not verify the accuracy of this information, I request that it be deleted. Kindly provide a written response regarding your findings and any updates to my credit file.
Product: Credit reporting or other personal consumer reports

I have not suppliee proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). Numark Credit Union Bal. {$350.00}, AD Astra Recovery SE Bal. {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The ACCOUNTS I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the ACCOUNTS be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ) showing on my credit report. I, therefore, request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the ACCOUNTS as soon as possible.
Product: Credit reporting

Transunion responded that the XXXX fraudulent accounts that were a result of id theft by XXXX wireless were verified and I needed to contact XXXX which I have did already! I have provided both XXXX and XXXX with the info from the us doj that proves I am a victim of identity theft and yet they continue to report info based on info that was a result of id theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has failed to verify debt and the investigative process XXXX XXXX XXXX XXXX  The Bankruptcy Court has no jurisdiction over credit consumer reporting agencies and the court does not notify reporting agencies when a bankruptcy case is filed, nor can the court request that a specific record be changed. Information on your credit report has generally been reported by your creditors and is gathered from public sources by the reporting agencies. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Flagship credit acceptance has refused to verify my account. 

XXXX XXXX XXXX XXXX has two entries they must be removed they are not my accounts XXXX XXXX XXXX  must be removed two entries they are not my account
Product: Debt collection

CMRE Financial Services Inc Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXXXXXXXXXX http : //www.cmrefsi.com Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my 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 CMRE Financial Services Incor any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report 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 : date account open all sign original contract 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 : CMRE Financial Services Inc or any company associate with this account 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 SS # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Navient has been calling me several times per day, morning, afternoon, and evening. I have asked the company numerous times to stop calling me. I have also filed a previous complaint with the CFPB to get Navient to stop calling me, and yet they continue to do so.
Product: Credit reporting or other personal consumer reports

I reached out to the company regarding the account and options to cancel the timeshare. They sent back this letter to my lawyer with my CORRECT BALANCE of how much I have left on this loan. The loan balance on this letter from the company is NOT the same amount being reported in my credit report which is makes this false information and it is negatively impacting my credit utilization ratio.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX there was fraud to the account, provided emails, pictures, and talked to customer resolutions several times. They agreed to remove all negative items, would remove the amount, and later it was placed on my report again. I have all documentation.
Product: Credit reporting 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX account # XXXX and XXXX XXXXXXXX account # XXXX. However, they stated everything was complete and accurate. But how is that

po ssible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. Additionally, per 15 U.S.C 1681 section 602A I have a right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish a
ny information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have requested that Experian, XXXX and XXXX update my personal information on several occasions. As of this date no information has been corrected.
Product: Mortgage

I paid off my mortgage early on XX/XX/XXXX. I was enrolled in the Equity Accelerator program XXXX XXXX has set up with XXXX XXXX  XXXX XXXX. XXXX XXXX stated in correspondence dated XX/XX/XXXX that I would receive a refund for a mortgage payment XXXX had already collected on my behalf and not yet submitted to XXXX XXXX, within 10 business days. I did not receive the refund promised and have been told on repeated inquiries that they are experiencing system problems and that I would receive payment in 2 days. Today they promised my refund by XX/XX/XXXX to be refunded electronically to my bank account. Quite frankly I don't belief this magic 2 day promise will result in the refund they owe me ( {$1300.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was discharged in Chapter XXXX on XX/XX/2018. 
XXXX XXXX sold my mortgage to XXXX a Credit Collection Company. My lawyer sent them a letter explaining they are breaking Federal Bankruptcy Law 524. The have ignored my lawyers letter. 
XXXX is continuing to send me certified letters, reporting this on my credit report, and acting like I owe this to them. When this mortgage was discharged by XXXX XXXX XXXX. 

I contacted my attorney again, he explained to me we could file suit, with me again having to put out thousands of dollars, which I already have put out thousands of dollars to get rid of XXXX. 

Why do I have to pay more money to get rid of a company that is breaking Federal Bankruptcy Law. 

It took me 2 years to rebuild my credit score to the middle 600 's since XXXX reported this mortgage ( that doesn't exist ) to the credit bureau my credit score is now in the low 500 's I will never be able to regain a mortgage, buy anything with a decent interest rate, I did the right thing I filed Chapter XXXX, and know am being punished by XXXX, who is breaking the law. 

Where are my rights, without having again to spend thousands of dollars to sue someone who is breaking the law. 

Please find attached. The letter from my lawyer to XXXX, my discharge papers from Federal Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent certified notarized letter via USPS to Experian ( Tracking # XXXX XXXX XXXX XXXX XXXX ). The letter demands Experian to provide me with Verifiable Proof ( an original Consumer Contract with my Signature on it ) Experian has on file of the accounts listed below. 

XXXX XXXX Acct # : XXXX XXXX XXXX Acct # : XXXX Experian has failed to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

This and any future certified correspondences sent to Experian will be used in court to recover monetary award for damages to my personal credit file
Product: Mortgage

Our firm, XXXX XXXX, XXXX has been monitoring our client 's request for mortgage assistance to Select Portfolio Servicing , Inc. ( " SPS '' ) to ensure SPS 's compliance with Regulation X. For the past few months, our client has been trying to get his application reviewed by SPS. However, SPS has failed to act diligently in its review of his application and even failed to inform Plaintiff 's foreclosure counsel of the active status of the loss mitigation review, which ultimately led to Plaintiff pursuing and obtaining a foreclosure judgment against our client improperly. 
Our client submitted an application for mortgage assistance to SPS on XX/XX/XXXX via facsimile. The application package was also submitted to SPS via U.S. Certified Mail. On or around XX/XX/XXXX, SPS sent our client a request for additional documentation. Subsequently, all of the requested items were submitted in a timely manner via facsimile to SPS as directed. On XX/XX/XXXX, we called SPS and confirmed all of the documents were received and nothing further was needed. Then on XX/XX/XXXX, we called SPS again to determine the status of our client 's application. During this conversation, we were informed for the first time that additional information was still needed from the borrower. After conferring with our client, we provided the requested information to SPS over the telephone on XX/XX/XXXX and we were told the application would be promptly submitted to the underwriter for an evaluation. 
Despite being actively engaged in loss mitigation efforts with SPS for the past several months, counsel for Plaintiff in the foreclosure action ( i.e. XXXX XXXX XXXX, XXXX ) has been actively pursuing a foreclosure judgment against our client by means of a Motion for Summary Judgment, which is a clear violation of 12 CFR 1024.41 ( g ). Not only was Plaintiff 's counsel actively pursuing, but it was also successful in obtaining a foreclosure judgment against our client on XX/XX/XXXX. SPS did not conclude its evaluation of the borrower 's complete application for mortgage assistance until XX/XX/XXXX, and pursuant to the denial letter and applicable federal regulations ; he still has 30 days from that date to appeal the decision. Please note, we definitely intend to appeal the decision because there were several errors made by SPS in the calculation of our client 's income and the NPV data inputs but we will be addressing our appeal under separate cover. 
Due to the foregoing, Plaintiff 's counsel was prohibited from seeking a judgment against the borrower and was even required to take steps to request that the court not issue a judgment prior to the conclusion of the loss mitigation review, which it clearly did not. We believe SPS is responsible for directing the activities of foreclosure counsel and thus are fully responsible for the improper and actionable steps taken by XXXX XXXX XXXX, XXXX in connection with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies Involved : TransUnion, XXXX and XXXX. 
Over one year ago I noticed a filed bankruptcy paper on all three of my credit reports. Immediately I began contacting the agencies about the problem. Upon XXXX disputes these XXXX items are still present on my report. This matter has affected me and my family dramatically. I'm unable to get employment in my line of work, XXXX etc. Under the FCRA act all three agencies must remove in accuracies. 
( XXXX ) Bankruptcy XX/XX/XXXX reference number # XXXX ( XXXX ) Bankruptcy XX/XX/XXXX reference # XXXX I've contacted the court to verify they told me they could not give out that information. 
If not resolved my next step will be a lawsuit with small claims court.