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

On XX/XX/2021 I mailed a debt validation letter via certified mail with a return receipt, tracking number XXXX, to Global Asset Agency due to the company reporting an erroneous account on my credit profile. Upon further inquiry, the address listed on my credit report for the company is none other than a Virtual Mailing address and that this company has failed to be available for delivery of my mail piece to sign for the return receipt. This company never attempted to contact me and has never made any contact by mail. This company has not provided proof that this erroneous account belongs to me. They illegally place an erroneous account on my credit profile. Attached to this complaint is my debt validation letter sent to Global Asset Agency pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I requested a copy of my credit report using chexsystems and using there automated machine at XXXX. I had received a report this way in the past. I have had an XXXX breach, XXXX breach, also I had been alerted that a previous potential employer had a confidentiality breach due to a past employee stealing a laptop with personal information. Address, Social security numbers, State and government issued IDs, etc. I have also had issues with my bank account XXXX XXXX XXXX, and cell phone carrier, XXXX which my father, mother and brother and I are all under one plan. Not receiving the report is alarming since you leave all identifying information verbally. There is not a person to speak to nor a facility close by to discuss my report. So I requested one online and received a confirmation that I would be receiving the report within 5 business days so most likely by Tuesday or wendsday of next week today is XX/XX/18.
Product: Mortgage

I just Got a Modification in the mail my payment went up XXXX and my principle has never gone down. My Mortgage Account number is XXXX. My interest has not gone down
Product: Credit reporting or other personal consumer reports

This complaint to COMENITYBANK WAYFAIR alleges violations of the Fair Credit Reporting Act ( FCRA ) due to the presence of inaccurate information and fraudulent accounts on my credit report. Upon reviewing my recent credit report, it has come to my attention that erroneous data and fraudulent accounts are being reported, yet COMENITYBANK WAYFAIR has failed to take any corrective actions. By allowing this inaccurate and fraudulent information to persist on my credit report, COMENITYBANK WAYFAIR may be in violation of the FCRA 's provisions regarding the accuracy and integrity of consumer credit information. Additionally, I have taken the necessary step of filing a report with the Federal Trade Commission ( FTC ) to address these violations, providing documentation with report number XXXX. This action is in line with the FCRA 's requirement for consumers to report any suspected violations to the FTC, which oversees compliance with the FCRA and ensures appropriate enforcement measures are taken. In summary, the presence of inaccurate information and fraudulent accounts on my credit report, coupled with COMENITYBANK WAYFAIRs failure to take corrective actions, constitutes potential violations of the FCRA. By filing a report with the FTC, I am seeking resolution of these violations and enforcement of my rights under the FCRA to ensure the accuracy and fairness of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my behalf regarding the information on my credit files. Fraudulent applications were submitted under my name or identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report and on my credit file. I reported the theft to the Federal Trade Commission and have enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : Accounts : 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: Credit reporting, credit repair services, or other personal consumer reports

This companyXXXX XXXX XXXX  bankcard, flagged my account for fraud when someone cancelled the card and tried to have a new one issued and sent to a different state. This was after they let that person make a payment using one of my stored payments on file, and then they made purchases maxing out the card and go way over the limit. XXXX XXXX never called, sent a text, or a notification by email! Two weeks had passed before I knew anything about the fraud. I AM IN THE MIDDLE OF A MORTGAGE LOAN. THIS COMPANY HAS REFUSED TO GO IN AND UPDATE ON THE CREDIT BUREAUS MY TRUE BALANCE AND CREDIT UTILIZATION. THEY ARE SHOWING ALL OF THE FRAUD CHARGE AMOUNTS WHICH SHOWS MY CREDIT UTILIZATION AT XXXX XXXX. I AM ABOUT TO LOSE THIS MORTGAGE APPROVAL AND THE ALL OF THE FIRST TIME HOME BUYER ASSISTANCE AND GRANTS BECAUSE THIS HAS DROPPED MY SCORE BY XXXX POINTS. THAT ALSO MEANS I NO I AM NO LONGER ELIGIBLE FOR XXXX PERCENT DOWN.. THEIR FALSE REPORTING OF MY ACCOUNT IS CAUSING ME TO LOSE MY MORTGAGE LOAN, GRANTS AND ABILITY TO CLOSE ON MY LOAN IN XXXX WEEKS. I HAVE CALLED NUMEROUS TIMES BEGGING THEM TO PLEASE CONTACT THE CREDIT BUREUAS AND REPORT MY ACCOUNT CORRECTLY. THEY HAVE REFUSED TO DO SO AND TOLD ME THEY ONLY UPDATE ONCE A MONTH. THIS IS IN EXCUSABLE AND THE INFORMATION THEY ARE REPORTING IS FRAUDULENT BECAUSE OF IDENTITY THEFT THAT THEY LET HAPPEN AND THEN WILL NOT REPORT MY ACCOUNT INFORMATION WITHOUT THOSE FRAUD CHARGES. THEY HAVE COST ME MY HOME LOAN AND MY HOME. THIS IS CRIMINAL WHAT THEY HAVE DONE
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 different letters to Experian for different. After tracking them I was able to see that Experian had signed to receive all three letters on XX/XX/2020. Experian only responded to one of the three letters received. I sent out a failure to respond letter in which they received on XX/XX/2020 along with copies of each letter I had originally sent to them and all 3 copies of the certified tracking slips that I received when I mailed the letters to Experian. Ive submitted complaints with the CFPB in regards to how Experian has handled my previous disputes and how some of my previous disputes had not been marked as in dispute even after pointing out the FCRA violation. It is obvious that Experian has not performed an independent investigation into my issues and they do not care to follow the laws afforded to consumers under the FCRA. I recently received an updated credit report with no changes! Why were these accounts not handled properly? Experian failed to respond to my disputes in the allotted time provided to them by law which is cause for an automatic removal of all the disputed accounts in the letters sent to them on XX/XX/2020. In previous complaints placed through the CFPB Experian either reopened the dispute and made no change or responded and informed me that they could not look into the situation because they were not sure I was who I claimed to be.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
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, XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX. : # XXXX, US DEPARTMENT OF AGRICUL : # XXXX, US DEPARTMENT OF AGRICUL : # XXXX, XXXX AXXXX XXXX : # XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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: Debt collection

I received a letter from professional account management about a unpaid parking fine from 2011. The letter also threatened to boot my vehicle and tow and impound my vehicle. 
The fine was from a late fee for a paid parking ticket. This fine was paid at the time of paying my ticket. 
We no longer have that bank account ; therefore, we can not verify it officially. 
The fact that they 're just now, over 5 years later, threatening me about this truly makes me think that it 's a type of scam. 
Since most individuals would n't keep such documentation as a paid fine past a few years, it looks as if this company is hoping to garner whatever they can from whoever they can.
Product: Debt collection

I bought a XXXX phone for my girlfriend 's son in XXXX XXXX while I was on vacation. After XXXX months the phone was stolen from him. He never informed me that the phone was stolen, I found out late XXXX 2014. I asked him if he contacted XXXX about turning off the phone? He said he could not turn off the phone because XXXX needed my social security number. I did not give him my ss #. 

I got a phone call from XXXX in XXXX 2014, that the cell phone bill was {$430.00}. I explained to them that the phone was stolen in XXXX XXXX. and asked that they shut off the phone. XXXX said, " I WAS NOT THE OWNER OF THE PHONE AND COULD NOT REQUEST TO HAVE IT TURNED OFF. '' Then I asked, " So why are you telling me that I owe XXXX {$430.00}, if the phone is not mine? '' I said to the representative that something does n't sound right about this. '' XXXX months later, I received a bill in XXXX from XXXX saying that I owe {$840.00} and It 's going to collections. 

I immediately called XXXX and demanded an explanation. I was told that since I bought the phone, I am responsible for the bill. I challenged that statement because of what they told me 2 months before, that I was not the owner of the phone! 

I received a collections letter from an agency demanding {$430.00}. Then I received a second collections letter from Maury Cobb & Assoc. LLC form XXXX, Al for {$820.00}. 

The first XXXX calls from XXXX were threats to collect the debt via voice mail, calling my phone at least XXXX times per day. They use XXXX, XXXX and XXXX numbers to call, and rotate the calls daily. 
I have tried calling XXXX on numerous occasions, at least XXXX times per day. Whenever I call the numbers back, I receive a recorded message to leave a message and someone will get in touch with me. 
I contacted XXXX again but they insist that I have to pay although - : ( 1 ) The phone was stolen and was not in my possession ; ( 2 ) I pointed out that they told me I could not turn off the phone ( while the bill was at {$430.00} ) ; ( 3 ) They said that the phone was not mine, and I had no authority to turn off the phone ; ( 4 ) Then 2 months later, they insisted that I am now the legal owner of the phone and have to pay {$820.00}. 

Can someone please tell me what 's going on with XXXX and Maury Cobb & Associates LLC? Am I responsible for the {$820.00} bill?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) ****
Product: Credit reporting, credit repair services, or other personal consumer reports

After ending my forbearance period I was placed on a three month trial loan modification program. I was to make three on-time payments in which I did starting in XX/XX/XXXX. 
After making XXXX XXXX and XXXX payments I was placed on the loan modification program. The mortgage company then took my XX/XX/XXXX payment and applied it to XX/XX/XXXX payment. I was on forbearance in XX/XX/XXXX. The Mortgage company has now stated that as of XX/XX/XXXX I am 30 days late and as of XX/XX/XXXX I am 60 days late on my Mortgage loan. I would like the 30 and 60 day late reports to be deleted due to Covid-19. Until Covid-19 my mortgage payment was never been late for over 8 years. 
Thank you, XXXX XXXX XXXX XXXX.
Product: Mortgage

I received notice from XXXX XXXX XXXX that my home loan was sold to Rushmore Loan management.The problem with this situation is my name is not the power of attorney on my mother 's death certificate.This is still my deceased mother 's estate and my name is not on her death certificate as power of attorney.This is the second mortgage company that has tried to profit off my Mother 's Death.All the Rushmore had to do is check the information that they got from XXXX before they brought this illegal loan. I still owe XXXX XXXX XXXX XXXX over {$35000.00} Dollars for home improvements that XXXX lender placed insurance did not cover. XXXX was sued for their unfair practice of lender placed insurance price's.I was part of the {>= $1,000,000} classaction lawsuit and won. Now here 's Rushmore trying to foreclose on a home that I still owe XXXX XXXX XXXX XXXX for. Rushmore should have looked at the paperwork connected to this loan before trying to take my home. In about two week my XXXX brother who lives in the home with me is getting the bathroom and kitchen modified by the state to accommodate his XXXX.Rushmore has to look at my mother 's death certificate that they should have got form XXXX to understand how all this is fraudulent.Selling Death has to be one of the sickest things I have ever seen especially when it's my mother who was the Primary borrowerof the Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my TransUnion credit report online in XXXX through XXXX. I was advised to request the report by mail. I requested the report by mail on or around XX/XX/2018. TransUnion did not respond to my written request. I tried to create an online account with TransUnion to request my report on XX/XX/2018, and that account will not give me access to my credit report, either.
Product: Credit reporting or other personal consumer reports

I received double inquired for the same company on my credit profile from Capital One.
Product: Mortgage

Wells Fargo denied a loan modification stating that I did not qualify even though I sent in a expense sheet showing proof of my income and expenses. 

I was also working with a company called XXXX XXXX to try and get a loan modification. I sent in all required documents. I was involved in a car accident and have excessive medical bills because of the accident.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Fcu Inquiry from XX/XX/2018 The above inquiry is Fraudulent. Please investigate and remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUN T -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from XXXX, Experian, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Experian, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Experian, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No XXXX, Experian, and XXXX never responded! 

Furthermore XXXX, Experian, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Experian, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Experian, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective November 30, 2021. Cease reporting this debt immediately or face legal action. XXXX, Experian, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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: Debt collection

The XXXX XXXX XXXX called my job multiple times speaking to multiple employees including the owner of the company stating they were going to serve me with legal documents for a garnishment. I called back asked them to never call my job again but the lady named XXXX XXXX said she did not have to. That they were coming for me. I told her any documents they need to serve me with can be served to my home she told me to she was not serving to my home. She was only going to serve to my job. She stated she did not have to stop calling me and I advised her per the FDCPA she did and she said no she just wanted to make sure I was at work and hung up on me. On a voice mail she left for me she stated that I could be arrested at my job. She stated she spoke to my supervisor which is untrue because I report directly to the owner of the company and he is out of town. This is very unprofessional and embarrassing to say the least. She would n't even tell me what the paperwork is related to. I would have resolved on the spot but she hung up. I have a feeling it is related to an XXXX XXXX payday loan.